23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I made a pay day loan a a couple of years ago, which went unpaid when I was laid off due to Covid. 

When I got my finances back in order, I repaid the debt that was outstanding. I can provide documents if needed. 

However, weeks after I was paid off, suddenly another payment was taken out of my bank account after the fact I had already paid the debt. I called them to resolve it, and they asserted that I was still owing them. I called my bank to stop payment, and I figured they would stop trying to overcollect. 

Later on, a collections account appears on my credit report from them, and the derogatory mark was reported not once, but now twice the original. 

Ive been in credit repair and disputed them and asked them not to call, I do not owe them this debt, and they are falsely reporting data to extort from me. 
To this day ; they are still calling me. I am reporting them in hopes that they can be corrected and to desist their harassment. 
I also would like to request that they be fined and to pay for the financial hardship their false reporting has done to my credit score, and my sense of well being with their repeated calls. 
They need to stop. Extorting people who have the least means to pay them. 

Thank you very much.
Product: Mortgage

Back in XX/XX/XXXX, I attempted to make an online mortgage payment with Wells Fargo. I was unable to make the payment and got an error message saying NO PAYMENT REQUIRED DUE TO PANDEMIC COVID-19 FOR THE NEXT 3 MONTHS. There was no way to bypass this to make the payment so I called into customer service. The rep told me there was a request to suspend payments, and I advised that I had no need to suspend payments and I never requested a forbearance. He apologized, removed it from my account, and I set up a payment with him. 

I didn't think much about it, until XX/XX/XXXX when I actually needed to do the forbearance. I called into customer service and got a 3 month forbearance. However, when I got my confirmation paperwork in the mail, imagine my surprise when it stated that this was my 2ND 3 MONTH FORBEARANCE! I immediately called in, disputing this, saying that I had never missed a payment and never requested a previous forbearance. 

This issue has been escalated at least 3 times during the process, with everyone telling me that my call into customer service was to REMOVE A REQUESTED FORBEARANCE, when in all actuality, the call was made because I was unable to make my regular monthly payment No one can give me proof that I requested the original forbearance. The forbearance that I am in now, I got a ton of paperwork confirming the forbearance and what happens next. I never got anything like that with the " 1st forbearance. '' So now that I actually need the help, I am getting shorted 3 months in error. To be clear, I never missed a payment on my mortgage. But with shorting me 3 months in error, on the off chance that I actually NEED that extra time, I could end up in foreclosure based on that error! 

I have asked for confirmation or proof that I enrolled in the forbearance, and all I'm being told is that it was put on my account on XX/XX/XXXX and I called in requesting removal on XX/XX/XXXX ( which is the date I called because the online would not take my payment ). 

I definitely need assistance with this issue.
Product: Checking or savings account

A {$40.00} ATM withdrawal appeared on my USAA checking account statement that I do not recognize and dispute making. The charge appears as : " XXXX XXXX XXXX XXXX XXXX CA. '' USAA says this ATM is located near XXXX, CA. I haven't been to XXXX, CA in 40 years. 

USAA stated that they determined it was not fraudulent. I asked for supporting documentation or information. USAA has not supplied any supporting information as required by 12 CFR sec. 205.11 ( d ). 

My dispute # with USAA is Dispute XXXX. My checking account number ( now closed ) is : XXXX.
Product: Debt collection

4 phone calls from PayPal credit between in 7 hours is excessive. I am at work Im not answering their calls. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has NOT provided me with ANY INVESTIGATION RESULT regarding complaint ID XXXX of XX/XX/2022. It is now over 30 days and I still DO NOT KNOW what their investigation result is. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it has 30 days to investigate disputes. If it can not verify the information within the 30 day time period, it must delete all of the disputed accounts from my report.
Product: Student loan

I am writing to formally file a complaint regarding issues I have been experiencing with my student loan servicer, EDFINANCIAL. Despite my efforts to resolve directly with them, I have encountered persistent challenges that remain unaddressed and are negatively impacting my financial well-being.

My servicer has misreported my loan status to credit bureaus, negatively affecting my credit score.

I have made multiple attempts to resolve these concerns by calling, emailing, submitting written requests, etc... to loan EDFINANCIAL. However, I have not received a satisfactory response or resolution.

I am seeking CFPB 's assistance in ensuring that EDFINANCIAL corrects any errors in my loan records. 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue. Please let me know if any further documentation or information is needed.
Product: Debt collection

My names is XXXX XXXX my wife got me in the XXXX XXXX  XXXX paid for everything normal the ask for my wife information social security number, and account information. And now they put me in collection. Never receive mail oh phone call i see the the first time in my credit report today XX/XX/year>
Product: Credit card or prepaid card

I am filing a complaint against Barclay US Credit Card regarding my registered Dispute # XXXX Barclay Card ending XXXX. 

On XX/XX/2020 I purchased an XXXX XXXX {$4100.00} a round trip first class ticket XXXX/XXXX. This flight was cancelled due to COVID19 and to date I have been denied two occassions by Barclay in writing that they get will not be involved with the dispute. I am stonewalled and an honest consumer with rights. They stated in a letter to only return to the vendor to get me money back and denying they are responsible to be involved. 

I have been in touch with XXXX XXXX for 4 months, but COVID has caused the phones to not be answered and the XXXX office closed. I have reached them by email and they agree to a refund but none has come over the 4 months of receiving emails back. They keep saying money is coming. It may come, but if it does not I am out the money. 

The ticket was cancelled and it is refundable ticket as its First Class. The issue is no money.

I have sent a lot of documentation to Barclay and do not think they are reading or following US consumer law on this matter, reading the fact its a cancelled flight. A manager called XXXX spoke with me and requested to re-fax my confirmation email about refunds being due from XXXX XXXX, but no promise. 

Speaking to Barclay is difficult at best even with the long phone waits. They are stating each new fax of documents or management call back can be a week or more. And they are not advising me on my rights to that this flight cancelled. 

Also, poor overseas support are contributing to a difficult with constant cultural and elocution problems. The dispute lines will not tell you anything about your case, just that your denied and if they do its inconsistent call to call. 

In my opinion Barclay is not providing the consumer with transparency regarding what is needed to help them understand US consumer protections I and others have. 

They keep advising me they must follow their policy, when I keep saying and proving the flight is cancelled due to COVID and the ticket refundable. T This Dispute is valid and needs to remain open until a refund from XXXX XXXX comes or Barclay provides. 

I have filed complaints with the DOT, FTC and Mass Attorney Generals Office I am very concerned what they are doing is happening to other consumers. 

Attached is the most current cancellation/refund correspondence from XXXX XXXX, they are now saying its 7-10 days, but they have promised its in process in the past, its 4 months! Note I purchased this ticket for my sister XXXX XXXX who was flying with me to XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows.
Product: Credit reporting or other personal consumer reports

I AM A XXXX XXXX XXXX WITH 605C AND THERE ARE ACCOUNTS AFFECTING ME NEGATIVELY. IVE REPORTED THE FOLLOWING ACCOUNTS AND WILL BE UPLOADING THEM WITH MY SUPPORTING DOCUMENTS TO FURTHER SUPPORT MY CLAIM.
Product: Student loan

I signed up for automatic payments from my XXXX account. But later I stopped using that account so I called in approximately in XX/XX/XXXX to tell Navient to use another account instead for my payments and to cease using the XXXX account. This company has taken money out of the wrong account several months from XX/XX/XXXX to XX/XX/XXXX even after I repeatedly called and told them that that is no longer an account that I am using for loan payments. I have received 12 overdraft fees ( each fee is {$34.00} ) due to their failure to update my account info after I called them several times to request that it be done. They said that I have to specifically say that I want them to cancel any previous automatic payments when I call in. I believe this to be self-explanatory because if I call in to tell them to STOP deducting from that account and gave them new information, that is telling them to stop taking from an account that is not being used anymore. When I called to complain the ombudsman said they would refund my overdraft fees. However, later when the fees were not refunded I was told they would not be refunding the fees because it was not their fault. Now they have marked my credit late 30-60 days because I refuse to pay them until I have the refund. Further, I can not afford to pay the amount they are asking me to pay. They refuse to lower my payments to an affordable amount that I can pay and they will not refund the fees that they caused me plus they have ruined my credit.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 
Your company is in violation, you have caused me pain and suffering due to mistreatment and discrimination. All accounts closed, charge off, late payments need to be deleted immediately. You are now under Federal Law.

15 U.S. Code 1691 - Scope of prohibition 1026.23 Right of rescission.

15 U.S. Code 1692g - Validation of debts 12 CFR 226.4 - Finance charge.

15 U.S Code 1692e- False or Misleading Representations Termination of Collection Action, Write-off and Close-out/Cancellation of Indebtedness
Product: Credit reporting, credit repair services, or other personal consumer reports

The account forXX/XX/XXXX-XXXX, in which, I'm an authorized user is not reporting the correct credit limit of {$5500.00} on my credit report., which affects my credit score. I have attached information reflecting that, along with my Driver 's license to prove my identity.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed, well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX  XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX NEW YORK docket # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX account DEPT OF ED/ XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights to privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is XXXX XXXX XXXX and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Debt or credit management

On my account there are open accounts that I didn't apply for such XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX  XXXX is on my hard inquiry but not showing up on my account summary
Product: Checking or savings account

We have maintained XXXX many years a checking account at Capital One bank. We moved overseas to XXXX 30 years ago and continued to receive periodic statements and set up online access. We do not have a cellphone with an American carrier, and since the XXXX step ID was introduced we can no longer access our account. Despite multiple phone conversations with Capital One, the bank refuses to provide an alternative method of ID ( such as email ), and even refuses to mail statements overseas for " security '' reasons. There are currently XXXX XXXX Americal citizens living in foreign countries, and denial of this basic ability to manage our account seems discriminatory, and even absurd in the current global economy. All the other financial institutions we deal with have offered ID access by sending codes to our XXXX based phone. 
Appreciate your help
Product: Credit reporting or other personal consumer reports

there are a lot of inacuracies in my credit report from XXXX, Transunion and XXXX due to a recen data breach wish i was affected by. and would like to have all negative items removed from my report.
Product: Credit card

I just filed a complaint with the XXXX about this, because I have already emailed customer service previously about it, and you STILL allowed your LIES AND FALSE ADVERTISEMENT to continue!!! The XXXX complaint number is XXXX. 

I feel like your company has FALSE advertisement, which is ILLEGAL!!!! You provide FALSE information when you LIE, and state that after 5 months of satisfactory credit history with your company, you will automatically increase the credit amount. I HAVE HAD EXCELLENT, EXCELLENT history with your FALSE ADVERTISEMENT company. I have charged up my card, multiple times, and then COMPLETELY paid it off. Then charge up again, and then COMPLETELY pay off again! I HAVE EXCELLENT history with your company, and YOU FLAT OUT LIED TO ME!! YOU ILLEGALLY gave me FALSE information about automatically increasing credit limit after 5 months!!! YOUR COMPANY SHOULD GET SUED FOR YOUR ILLEGAL FALSE ADVERTISING!!!!!! 

I also spoke with a XXXX XXXX from the president 's office, and he lied to me, and stated that he has never heard of anything about automatic increases in limit. I am attaching from their website that states that they do.
Product: Checking or savings account

I have received a letter from the bank. It contained the name of the person to contact to unlock my account. I have the court document that the account belongs to me. But the person for me to contact does not answer the phone. He has a voicemail that does not work. He has no email address available. Local bank manager does not know how to help me. I have all the proof, the legal document. No one in the bank knows how to help. The Client Resolution Specialist doesn't exist. I can not access the money in my account. It has been over a week since I found out Suntrust ( Truist ) blocked my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent Equifax a dispute letter for inaccurate reporting accounts on my credit report/file. It has been over 30 days and I haven't received any correspondences/reply from Equifax. I mailed another letter on XXXX stating I haven't received correspondence from them and to please delete the accounts listed in the letter for violation to respond within 30 days