23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted Jefferson Capital, I'm trying to pay off and on a debt. I was given an option to submit a " one time payment '', if I couldn't pay the above options and others. My account on the website allowed me to submit a lesser amount. I contacted Jefferson Capital to verify the option and they would not answer or confirm the accuracy of that option however it was offered to settle the debt with my own personal offer. The agent insisted I choose the other options ( higher amounts ). The agent was trying to justify and explain but he wasn't making any sense of the option. I felt he was trying to confuse me and con me into paying the other higher amounts. I told the agent I would call back, moments later, Jefferson Capitol locked me out of my account and the message said " my account in ineligible for web service '', only calling was an option. This is deceptive and unfair, now they are not allowing me to log in and view my account to make a payment. They do not want me choosing the lesser amount option and I feel they may alter my account. 

I took screen shots of my account and the options.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax For failing to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act, XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. furthermore, Equifaxs actions may also contravene the consumer financial protection act XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( file No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure that Equifax compliance with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX was the start date of the dispute and amount is XXXX and chime kept closing all my disputes up until now and sent them everything they said like police report of my old phone being stolen that had chimed logged in and just sent chime all the tracing numbers and sent them all the merchandise and amounts and they still been closing all my cases since XX/XX/XXXX until no and thy told me XXXX and XXXX i would get the number never got it so they been lieing since XX/XX/XXXX and XX/XX/XXXX this year and still have yet received the XXXX from transferring it from pua unemployment to chime and when i did the transfer it never went on my chime account and didnt go threw but yet my money left my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report, which I believe are inaccurate and violate several laws including FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. The following accounts are of concern to me : XXXX XXXX, Account Number : XXXX I have no recollection of ever belonging to this account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute the accuracy of information on my credit report and request that it be removed. Please investigate this account and remove it from my credit report immediately if you find it to be invalid. 

XXXX XXXX, Account Number : XXXX I have no recollection of ever belonging to this account. Under the Fair Debt Collection Practices Act ( FDCPA ), collectors are prohibited from reporting false or misleading information on my credit report. I demand that you investigate this account and remove it from my credit report immediately if you find it to be inaccurate or invalid. 

XXXX XXXXXXXX XXXX Account Number : XXXX I have no recollection of ever belonging to this account. The Truth in Lending Act ( TILA ) and Real Estate Settlement Procedures Act ( RESPA ) require that creditors provide accurate and timely information to consumers. I request that you investigate this account and remove it from my credit report immediately if you find it to be invalid. 

I understand that it is important to have accurate information on my credit report, and I would appreciate your prompt attention to this matter. I also remind you of your obligations under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Billing Act ( FCBA ), and request that you provide me with written notice of any action taken in response to this dispute. 

Thank you for your assistance in resolving this issue. 

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

Experian has failed to meet its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 

The Consumer Financial Protection Bureau ( CFPB ) has previously filed a lawsuit against Experian, citing systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses from furnishers, and inadequately notifying consumers of dispute outcomes. 

Despite the evidence I provided, Experian has neither corrected nor removed the disputed items on my credit report. This inaction continues to harm my credit standing. I am requesting immediate corrective action to remove or accurately update the disputed accounts. Experians failure to address these issues violates federal law and my rights as a consumer under the FCRA. 

Thank you for addressing this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a father of XXXX little girls ( not as little as I hoped they would stay : ), I own or run 4 XXXX XXXX and between my XXXX and personal finances have about 20 different accounts to pay each month not including my 30 plus employees, numerous  vendors and services. I am old fashioned when it comes to organization of my bills. Meaning, I rely on statements via USPS. All my accounts are set up to mail me statements or invoices. 

XXXX/ 2015 XXXX reported me 30 days late, I am disputing the 30 day late reporting as inaccurate and requesting it be properly updated. I have had this account for nearly 5 years and always paid timely. I have all my statements mailed to me because this is what I use as my reminder. 
However, somehow when I set up my online account or responded to a citibank email. My account statement option was switched to paperless, i did not knowingly do this. 

I called XXXX earlier this year, they confirmed the paperless option was recently opted into. I had them opt me back out and thought the late payment reporting was being removed, It has not. 
Could you please remove that late payment from my credit reports.
Product: Debt collection

This is debt from 14 years ago, I am assuming. They could not even tell me what was it for.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Checking or savings account

Wells Fargo has consistently been charging me over draft and late fees on everything refused to refund it, money was there, and the way they do their transactions pulling makes me go into late fees, i tried to contact them they refuse to help me. My other banks don't charge me multiple late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to all three credit bureaus notifying them to remove personal information that I do not want on my credit report and correcting incorrect information. As of today, Experian has not completed that request. According to the Fair Credit Reporting Act 15 USC 1681, I have a right to privacy. According to 15 USC 6802, no financial institution is supposed to share my information with 3rd parties without my express consent. Their non-compliance is a clear violation of my federally protected consumer rights.
Product: Debt collection

this is my XXXX complaint against Figloan i have contacted the company more than 5 times on and account that was opened on XX/XX/2021 they recognize that the account was opened by someone other than me they told me that if i completed a police report and filed it with them that they would remove from all XXXX credit bureaus to date they still not have removed from the bureaus Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called USAA multiple times. My ex husband had a credit card debt with USAA, he paid it off about 6 months ago. He has tried with I also to have USAA update the account that has paid in full. The account has been paid and XXXX  out with a XXXX  balance. The account is still showing up with negative history and a balance of over $ XXXX I have called them and written letters to have this account removed from my credit report. I can not purchase a home with this account on my report. This account was only placed in my name as an authorized user. I have documentation stating this account is paid in full with a XXXX  balance and they also refuse to remove it from my credit report. They must remove it. This account has been paid off since XXXX of 2021. USAA as a company just gives me the run around and states that i have to contact the credit agencies to have it removed. When i contact the credit agencies they state that USAA must report to them that it has been paid in full at a XXXX  balance. They just give me the run around like always.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report. I have brought this to the attention of reporting agency and is it still showing on my credit report XXXX XXXXXXXX. 

CMRE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor ; XXXX XXXX XXXX
Product: Checking or savings account

I had a transaction that came in XXXX something dollars that i get every month, like clock work. i have rent to pay on the XXXX of this month, why are they messing with my account. 
I just called them again 2nd call got a not so nice agent, he was very nasty, i just want them to give me my balance, they can give it to me in cash or check, so that I can pay my rent, I would prefer cash. I can go to the pnc in my area, and pick it up. Apparently the 2nd agent is telling me they want to close the relationship with me, and thats fine, but, I would like my money. 
I would also like to know the reasom, for closing my account, this is at a surprise to me. They cant just take my money. I dont owe the bank any money and that should be lefted clear for them to give me my balance. The funniest thing is they just send me a new card, because i got a call saying that they saw suspicious activity in my account and it wasnt me so they sent me a new card just recently. So they are not making any sense, and all the people that i had signed up with PNC I will take them with me. 
They have been a nightmare with all their high fees. 
I thought i could rest easy knowing i had an account with PNC and people have been warning me since of their behavior. 
The outcome is I just want my balance and they can have their account and their relationship its fine Just give me my balance and the fact that the agent was yelling at me and i yelled back saying " THEY HAVE A RIGHT TO END THE RELATIONSHIP WITH ME " wow unprofessional!!! 
I'm very angry, I have rent to pay I received no letter from PNC No closing notice No nothing
Product: Debt collection

On XX/XX/XXXX I noticed that I had a Collection account in my XXXX Credit Report. The account was From PLUSFOUR INC. and the debt originated at XXXX XXXX XXXX ( both companies are in Nevada ) I contacted PLUSFOUR right away and they told me that the account that started with the numbers XXXX belongs to a person who the last name is XXXX, name that I had only during XX/XX/XXXX until XX/XX/XXXX because I was married to XXXX XXXX XXXX and we lived in California. Since XX/XX/XXXX my name has been XXXX XXXX XXXX XXXX, and the birth date was different than mine. 

I have been living at XXXX XXXX XXXX XXXX, FL XXXX since XX/XX/XXXX ( I have lived in this address before ). I have NOT lived in XXXX XXXX, NV since the XX/XX/XXXX and my name was what is today XXXX XXXX XXXX XXXX. This debt account was opened on XX/XX/XXXX and is most definitely not mine! 

PLUSFOUR INC refuses to call XXXX to clear that up. 

I called XXXX and they told me that they were going to dispute but without a call from PLUSFOUR it may be difficult.

I called PLUSFLOR INC and XXXX enumerable times and all I could do was to start a dispute on line and on over the telephone with XXXX and they told me that may take a month or a long time. I am also sending a certified letter to XXXX to dispute it over them mail also to reinforce the need for them to fix my credit report. 

I file a report with IdentityTheft.gov reference # XXXX and filed a police report with the XXXX XXXX Police Department with XXXX XXXX XXXX XXXX case number XXXX. 

I don't know what to do any more! I became handicapped and need to buy a car with a ramp to put my scooter and my fico score that was ALWAYS XXXX + now is XXXX ( at least with XXXX XXXX. 

Please help me! I NEVER paid a bill later in my entire life!
Product: Credit card or prepaid card

On XX/XX/2020 I tried to withdrawal {$600.00} from the card that I have through American Express Serve. The ATM said, please take your cash, but did not dispense the cash and said : We are sorry, we are unable to process your transaction, your request has been declined. I contacted American Express Serve right after that happen approximately XXXX. I filled out a dispute form the following date XX/XX/20. They are advising that they can do a provisional credit within 10 days but could take up to 45 days for the investigation. XX/XX/XXXX would be 10 days, however now when I contact them, they are stating it is 10 business day and I am not guaranteed a provisional credit, and it could be denied up to the 45 days. I advised them that Federal Regulations state I have to be given a provisional credit within 10 days, but could take up to 45 days for the investigation to be complete. They are advising me that there is nothing more that I can do. I found out on XX/XX/20 they have not even started the investigation, but she will go ahead and start that at this time. I dont understand and need help.
Product: Credit reporting or other personal consumer reports

Equifax is reporting fraudulent accounts to my credit report that do not belong to me. I have been a victim of identity theft for the past XXXX years. There have been Fraudulent Items being reported to my Credit Report.The following account XXXX XXXX XXXX  ( Account Number : XXXX, Original Creditor : XXXX XXXX. 
Date Opened : XX/XX/XXXX. Balance {$600.00}, XXXX XXXX XXXX ( Account Number : XXXX, Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX. XXXX {$490.00}. XXXX  ( Account Number : XXXX ). Date Opened : XX/XX/XXXX. XXXX {$0.00}. XXXX XXXX XXXX XXXXXXXX XXXX ( Account Number : XXXX ). Date Opened : XX/XX/XXXX. XXXX {$100.00}. I have never had an account with none of those companies. Cease the reporting of the fraudulent item being reporting immediately. I have attached a copy of my ID and FTC report. ( Please see attachments ).
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX-XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

I purchased furniture using my Wels Fargo credit card. The furniture was delivered in horrible shape and asked Wells Fargo to hold off on payment until the issue was resolved with the furniture store. They agreed to do this. 

The furniture store ( XXXX XXXX ) sent Wells Fargo a fraudulent delivery receipt that they claimed I had signed. It was not my signature, that has been verified by Wells Fargo as not mine. 

I want an answer from Wells Fargo why fraud is O.K. at their bank. They stated they did a thorough investigation into this matter ... .they did nothing as all their facts are incorrect. I never signed a delivery receipt, I was not offered a refund ; just a store credit and I never cancelled or claimed to cancel the order. XXXX XXXX  does have a guarantee that all their furniture will be delivered without any factory defects, which Wells Fargo and XXXX XXXX seem to have overlooked. 

As for Wells Fargo THOROUGH investigation ... try again!
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized inquiries that i did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my XXXX XXXX. This situation is both alarming and unjust, as these inquires are not a result of any actions ive taken.
Product: Credit card

My wife and I rented a car from XXXX while vacationing in the XXXX of XXXX. We hit a curb while making a U-Turn ( no more than XXXX ) and the tire suffered a leak. We had to call a tow-truck to take it back to the rental agency near our hotel to swap out the vehicle. Upon return to the US, we were sent a bill for {$4000.00} for the services and flat tire. 

I have submitted documentation and attempted to escalate the issue with American Express ( which also provided XXXX XXXX XXXX ) and yet they refuse to reverse the charge. We received documentation ( in XXXX, which we don't speak ), but {$4000.00} for a flat tire is OUTRAGEOUS! That cost more than the trip itself!! 

We would greatly appreciate any assistance the CFPB can provide in escalating the matter to either XXXX XXXX or American Express.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Complainants Address : XXXX XXXX XXXX XXXX, New York XXXX Subject : Complaint Regarding Inaccurate Information on My TransUnion Credit Report To Whom It May Concern, I am writing to file a complaint regarding inaccurate information on my TransUnion credit report. I believe this inaccuracy may be linked to the recent TransUnion data breach. I have identified errors on my credit report that are negatively impacting my creditworthiness and could potentially result from compromised personal data.

Specifically, the inaccurate information includes : 1. [ List any incorrect account details, inquiries, or personal data errors, e.g., incorrect balances, accounts not opened by you, or inquiries not authorized by you. ] 2. Incorrect information on consumer report, charge off accounts my income is listed as collections accounts by third party vendors, XXXX XXXX XXXX  XXXX reported a foreclosure that never happened I attached my proof.I consumer score being impacted unjustly in violation on the FCRA I have taken steps to dispute these inaccuracies directly with TransUnion but have not received a satisfactory resolution. Considering the severity of the recent data breach and its potential impact on consumer data, I am deeply concerned about the security and accuracy of my credit information. 

I am requesting the following : XXXX. A thorough investigation into the inaccuracies on my credit report. 
2. Immediate correction or removal of the disputed information.

3. Confirmation of how TransUnion is addressing the recent data breach and safeguarding consumers like myself from further harm.

The inaccuracy on my credit report has caused [ explain any harm youve suffered, such as denied credit, higher interest rates, or undue stress ]. This situation must be resolved as soon as possible. 

I have attached any relevant documentation supporting my claim, including [ list any supporting evidence, such as a copy of your credit report, dispute correspondence, or breach notifications ]. 

Thank you for addressing this matter promptly. I look forward to your response and resolution. 

Sincerely, XXXX XXXX XXXX ] XXXX XXXX XXXX XXXX, New York XXXX
Product: Checking or savings account

Synchrony has placed a limit on the amount I can transfer from the account, even though I couldn't find any mention of this restriction on their website or in any agreement. They were contacted on XX/XX/23 at XXXX XXXX, but they told me that even though there is no written agreement they are limiting my transfer amount.