23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called FedLoan Servicing on XX/XX/22 to request a refund of payments I made on my student loans during the pandemic. I was told they no longer service my loans and to try calling XXXX. I tried calling XXXX and they had no information regarding my account. I then called StudentAid.gov and they told me my loan servicer is FedLoan. So I called FedLoan again on XX/XX/22 and again requested a refund. This time, they were able to process my refund and said it would take 4-8 weeks. I called again on XX/XX/22 and an automated message stated that my refund had been received. I called again on XX/XX/22 and the automated message stated that my account had been transferred to XXXX. I called XXXX and they said they had no records of me or my account. I then called FedLoan to ask if they had processed my refund and/or moved my account to XXXX and XXXX said my refund is still processing. I told them it had been 8 weeks and asked if there was an issue and they said no it is processing and they are just extremely busy with refund requests. Today is XX/XX/22 and I still have not received any refund or account updates from either FedLoan or XXXX.
Product: Credit reporting

There are a couple addresses that I have never lived at. Also there is a name on my personal information that is not mine. Accounts that I have never opened are showing on my credit report too.
Product: Checking or savings account

My account was charged XXXX on XX/XX/2018 by XXXX. 
I contacted XXXX on Saturday XX/XX/XXXX and was told the money would be back in my account on Monday XX/XX/XXXX. 
I called XXXX 3 times on Monday, I was finally told I had to contact Mastercard to dispute the charge. 
I havent gotten any kind of help or response from XXXX to resolve the issue. 
Please help XXXX XXXX
Product: Debt collection

XXXX, I contacted XXXX XXXX XXXX ( XXXX ), concerning a debt that was showing up on my credit report. I explained to XXXX that I'm a veteran with full coverage through Tri-Care for life military insurance. I also informed XXXX that I was not aware of any services rendered by their company. I live in XXXX XXXX, Georgia and most of my XXXX XXXX are provided by the Veteran Administration or XXXX. I asked for XXXX to send me any billing that would confirm my being seen by them. XXXX never responded by sending a bill and their claim was removed from my credit report. XXXX of XXXX, another claim was filed because XXXX sold the claim to Lockhart , Morris & Montgomery inc XXXX XXXX XXXX We disputed the claim once again through the credit bureau. XXXX has continued to validate that the bill is mine. I believe this is medical fraud. If this is a second-part carrier, then they would have to bill my insurance. I'm not aware of what is going on, but need help with making these companies practice in good faith. The amount of the claim is XXXX. The opening date of the claim was XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Re : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to file a formal complaint regarding inaccurate information on my credit report that has not been corrected, despite my repeated efforts to resolve the issue directly with the XXXX major credit bureaus : XXXX, Experian, and XXXX. 

Details of the Dispute : My Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number ( last XXXX digits ) : [ XXXX ] Address : XXXX XXXX XXXX XXXX Date of the Credit Report : XX/XX/XXXX Inaccurate Information : The inaccurate information on my credit report pertains to [ briefly describe the issue for example, an incorrect account, outdated information, duplicate entries, incorrect balances, showing incorrect details about the missed payments, account status, balance, etc. ]. 

Efforts to Resolve with the Credit Bureaus : I have already contacted XXXX, Experian, and XXXX multiple times to dispute the information. Despite providing them with the necessary supporting documentation ( such as bank statements, payment receipts, or correspondence ), the inaccurate entry has not been removed from my report, and the bureaus have failed to correct or resolve the issue. I am attaching copies of the correspondence I had with each bureau, including dispute confirmations, as well as any supporting documents that were provided to them. 

I believe this information is erroneous and must be removed from my credit report, as it is negatively impacting my credit score and my ability to obtain credit.

I respectfully request the Consumer Financial Protection Bureau 's assistance in investigating and resolving this matter, as my attempts to address this issue with the credit bureaus have been unsuccessful. 

Supporting Documents : I have attached copies of the following documents to support my case : Copy of my credit report showing the inaccurate information Correspondence with XXXX, Experian, and XXXX Supporting documentation ( bank statements, payment records, etc. ) Please let me know if any further information or documentation is required to facilitate the resolution of this dispute. I would appreciate your prompt attention to this matter and any assistance you can provide. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Bank account or service

1. I made a CASH deposit of {$1500.00} to my Wells Fargo Credit Card in error at a Wells Fargo office by mistake. It should have gone into my checking account. When I realized what I had done an hour later I called customer service to have it corrected. 
XXXX, CS told me it would take a few days to get it corrected. I waited a few days and it was not corrected. I called CS again and was then told it would take 10 days. I was in need of the money to pay bills so I tried to call again on XX/XX/XXXX and was told it would take till XX/XX/XXXX to get my money back by CSR, XXXX. I asked to speak with her supervisor XXXX ( sp? ). She told me the same thing. I asked to speak to her supervisor and was connected to XXXX XXXX from Consumer Care Dept and Research and Admin.. He told me he could do nothing to correct this until it was corrected on XX/XX/XXXX. We had a lengthy heated conversation at this point. Bottom line they would not give me back my cash until XX/XX/XXXX ( They would have then had held my cash for 23 days ) just because they said it takes time to process.. I asked for executive office number to file a complaint and XXXX XXXX told me he was it and their was n't anyone else I could speak to. 
I find this to be quite unfair to the consumer. In this computer age there should be no excuse that this could not be corrected sooner or quicker than 23 days. I believe that Wells Fargo is taking advantage of consumers like me and benefiting from the money be held for such a long. Just think, if this happened to other consumers, which I 'm sure I 'm not the only one that has made this type of error or similar error, how much it adds to their bottom line till they have to give it back.. If this 23 days is their process time to correct something, I think their process needs to be look at. and change.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 US 1681e ( b ) and 15 USC 1681 ( a ) ( 5 ). 

Under 1681e ( b ), the FCRA requires that a consumer reporting agency must follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. I believe that there may be inaccuracies in my credit report that do not comply with this standard. Please provide me with the details of the procedures you follow to verify the accuracy of information reported. 

Additionally, according to 1681 ( a ) ( XXXX ), when a consumer disputes the accuracy or completeness of information in their credit report, the agency is required to investigate and provide results of the investigation within 30 days. I am requesting that you conduct a thorough investigation of the disputed information and inform me of the findings. 

I appreciate your prompt attention to this matter and look forward to your response within the time frame specified by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit on XXXX XXXX and saw a hard inquiry from Citi Bank on XX/XX/XXXX who I have nor do I use and have never authorized a request for credit. There is no number to contact anyone and really would like to find out how to have this removed. 
Also on XX/XX/XXXX XXXX XXXX also pulled a hard inquiry, again do not know who they are nor have I requested credit through them. Please help me to remove these from my credit report. Thank you.
Product: Prepaid card

I am filing a complaint regarding a Vanilla Visa gift card purchased on XX/XX/XXXX at XXXX for {$400.00}. When I attempted to use the card, it failed multiple times. Upon contacting customer service, I was informed that the card had been locked, and I was instructed to provide supporting documents, including proof of identity, proof of address, front and back photos of the card, and the purchase receipt. 

On XX/XX/XXXX, I submitted all the requested documents to the email address provided by customer service. I was told I would receive a response within 7-10 business days. However, as of today, XX/XX/XXXX, I have not received any response. I called customer service again today and was asked to resubmit the materials, which prompted me to file this complaint. 

This delay and lack of resolution are unacceptable, and I am seeking assistance to resolve this matter promptly.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Equifax was scheduled to remove eight unauthorized inquiries from my credit report. Instead, an Equifax employee mistakenly removed all of my accounts from my credit report, causing my credit score to plummet from XXXX ( Very Good ) to XXXX. 

This error has had devastating consequences on my financial stability, including : 1. Housing Denial : I was denied approval for a place to stay.

2. Vehicle Purchase Disruption : On XX/XX/year>, I was unable to secure financing for a vehicle I planned to purchase. 
3. Credit Denials : I was denied multiple credit card applications due to the sudden and drastic drop in my credit score.

This situation has caused me significant emotional distress and financial loss. Equifaxs error has directly impacted my ability to secure housing, transportation, and necessary credit, all of which were essential to my financial plans and personal well-being.

I am filing this complaint with the CFPB to : 1. Ensure Equifax restores my credit report to its correct state and reinstates my accurate credit score.

2. Hold Equifax accountable for the error and require an explanation of how it occurred.

3. Obtain assurance that Equifax will take corrective measures to prevent similar errors in the future.

4. Seek compensation for the financial and emotional damages caused by this error.

Equifaxs failure to manage my credit data responsibly has caused a severe and unjustified burden on me. I urge the CFPB to investigate this matter and hold Equifax accountable for its negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open the following XXXX XXXX account on XX/XX/2015, the account is not mines and I'm asking for it to be removed, and/ or provide me with physical documentation as stated within the FCRA law.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report regarding the following account : Creditor : First Premier Bank Account Number : XXXX Dispute Reasons : Incorrect charge-off reporting : The account was charged off in XX/XX/XXXX, but " CO '' continues to be reported every month through XXXX, which is inaccurate. A charge-off should not be repeatedly reported each month after the initial charge-off date. 

Incorrect balance reporting : The charge-off amount was {$900.00} yet the report still lists a {$900.00} past-due balance. If the account was charged off and sold to a collection agency, the original creditor should no longer report a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday, XXXX, it took hours to verify my identity with Transunion XXXX XXXX ; once I completed the identity verification with Transunion, I logged into my Transunion account and disputed several items. After preparing all of the disputes, Transunion provided an error message informing me something was wrong with their system, and I am welcome to resubmit. 

I have filed several complaints against Transunion with the Consumer Financial Protection Bureau ( CFPB ) ; when filing a Dispute on my Transunion Credit Report, Transunion attempts to circumnavigate the process, claiming they need to verify my identity before moving forward with the CFPB Submitted Complaints via letters delivered by the United States Postal Service ( XXXX ). Now that my identity has been verified ( with XXXX ) and I am filing disputes directly with Transunion, the company finds another way to prevent people from filing said Credit Reporting Disputes. 

Please see the PDF attachment for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a notice of collection dispute to XXXX and XXXX reporting agencies regarding fraudelent information reported to them by Automobile Acceptance. XXXX did not return the Return Reciept I mailed to them, as required by the US Postal Service- a paid service. However, they noted on my credit report the following note " Between XX/XX/XXXX and XX/XX/XXXX the following remark was removed from this account : Consumer disputes - revinstigation in progress. '' At the same time they also added a note that the account I disputed has been updated to " Charged off acccount, fixed rate ''. 

XXXX. ) XXXX failed to contact me with information indicating the false account has been successfully proven by the creditor. 

XXXX. ) As I shared with XXXX, the creditor Automobile Acceptance has been submitting late payment information for the past three years. All the while knowing the vehicle has not been in my possession since XX/XX/XXXX. There is a note on the report that indicates the last last payment was XX/XX/XXXX - this is false- the vehicle was not in possession. Further, why is XXXX reporting late payments as of XX/XX/XXXX while noting the last late payment was XX/XX/XXXX? 

XXXX. ) Further, the creditor is claiming a loan amount of {$9700.00} due to them. This is also false as the loan amount was not for that amount. I DO NOT owe this Automobile Acceptance {$9700.00}. 

XXXX. ) Due to this false reporting on the part of the creditor, I requested the account be completely removed from my credit report. 

XXXX has closed the investigation, per notes on my report without completing the investigation nor removing the fraudalent account.
Product: Credit card

I want to close my American Express Delta Skymiles card account which I have had for less than one year. Various reasons to cancel : many, many places do not accept American Express ; I don't really need it ; it was supposed to be free for one year and then XXXX  and I just got an email saying that renewal fee is suddenly XXXX rather than XXXX  It is only " a backup '' card for us and this annual expense is excessive for one we hardly use. Also, I don't want it! I gave it a try, and don't like it. 
Today, on XX/XX/year>, I called customer service with the # on back of card XXXX. Waited almost 13 minutes on hold, wasting my time. 
( I had already called to cancel it a month prior and was told to call " closer to the renewal date ''. ) The information about the card cleverly does not list any steps to take to cancel. 
I feel it is a rip off. There should be plenty of time to cancel it ( end of XXXX expires ) and it is not at all transparent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several incorrect items that are reporting on my credit file : Incorrect Address information : XXXX XXXX XXXX - ( XXXX ) XXXX XXXX ( XXXX and Experian ) XXXX XXXX XXXX ( Experian ) The following items are reporting in error or as a result of identity theft : XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX Bal. {$620.00} ( XXXX, XXXX, and Experian ) XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX Bal. {$290.00} ( XXXX and Experian ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Bal. XXXX ( Experian )
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX to write to request that the late payments reported between XX/XX/XXXX & XX/XX/XXXX be removed from my credit report under XXXX account XXXX due to my XXXX  with XXXX in XXXX of XXXX. As you are aware, the XXXX pandemic has had a significant impact on many individuals, including myself. I was in the XXXX  for months on a XXXX completely XXXX. 

Upon my release, I made a payment to my account, unaware that it would be credited to the following month. I was still very XXXX, and was attempting to get all of my affairs back in order. This caused my account to reflect in arrears for a year unbeknownst to me. In essence, the time spent XXXX  put me ONE payment behind, which has been PAID IN FULL but continued to roll on and report for almost a year. I understand that this has resulted in late payments being reported to credit bureaus which has negatively impacted my credit scores. I would like to request that these late payments be removed from my credit reports as soon as possible. 

I have been a loyal customer of XXXX for almost 10 years ( with a total of 5 cars leased through XXXX ) and have always made timely payments on my account. However, due to the XXXX XXXX virus, I was unable to do so during my XXXX. I hope that you will take this into consideration when reviewing my request.
Product: Credit card

I have had my cash app opened for years. I was unable to get into it. I had trouble getting contact with customer service. They wouldnt open my account. I was able to finally log into my account when I logged in. They told me my account was closed for no apparent reasons I sent them all of the verifying proper documentation letting them know that this account was valid. I did nothing wrong to violate their policy terms and they still refused to open my account so I want to file a complaint against Cash App Ive read so many complaints about people having the same problem so I wanted to document it and make a notate of this account. I still have money on my account as well.
Product: Debt collection

My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized items the items were not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I personally have sent mulitple disputes for a collections account ( including via Certified Mail ) to Experian in XXXX and XXXX of 2023. 

The collections company, XXXX XXXX XXXX reported this collection account as " past due ''. With that said, per my legal counsel I have been advised that a collections account is past due by default therefore they have failed to list this accurately. This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and Experian is required to remove any information that is not true, accurate, compliant, and verifiable.
Product: Vehicle loan or lease

Hi, Good morning. I financed a XXXXXXXX XXXX XXXXXXXXi was paying the car but, I moved from XXXX XXXX to XXXX. I can't afford to pay the loan. & the car have some issues that I can move the car.XXXX take the car and sale maybe I owned money tickets ect.but the loan is going up every year..from XXXX to this date. the Comapny Name is ( credit acceptance financed ).
Product: Payday loan, title loan, or personal loan

Paid it off but they keep sending threats by automatic tweets. Have requested them to stop but they continue daily sometimes twice daily.
Product: Credit card or prepaid card

I complaint is the following against Wells Fargo 's response to this federal agency and to me. 

One : In the response, Wells Fargo mentions that it waived the interest charge. This was only done because it told the supervisor on the XXXX that I believed the account to be closed. He then waived the charge and proceeded to close the account. Wells Fargo makes it look like it was a charity and good will on their part. The whole story needs to be explained. 

Two : The author of the report did not listen to the entire call. This is a very important disclosure that should have been mentioned and reported in the report. This above fact in all honesty negates the report and incomplete and in accurate. 

Three : The report states that they representative told me that their was a request on th XXXX for the closure. Again not the whole story. The fact is that I called Wells Fargo mad as XXXX that the account was still not closed several days later. I was assured by the supervisor that the account was to be closed later that day. I was mad because the two requests did not happen. This is not in the report. I brought up the fact that I made the request for this account to be closed not once but twice not the Wells Fargo employees. 

Four : The lady in the executive office told me several times that they account was not closed in fact it was still open. She then went on to ask me if I still wanted the account open. This statement would not be made if she was aware of any closure requests because that would be a red flag to do more research to make sure that account was in progress to be closed. She further went on to ask if I wanted a replacement card and a new pin number. I told her that I wanted to account to remain open, but I thought that since I made the account to be closed request that it could not be reopened per Wells Fargo 's own policy. She assured me that it was open and their was nothing there to stop me from getting a replacement card and that I should receive that replacement card later. These facts are not in the report any where. 

Five ; Why are these people making misleading statements to a federal agency still employed by Wells Fargo? 

Six : Why are their 10 different letters from Wells Fargo employees on this complaint that states 10 different opinions? 

Seven : Why is not one employee and one department working on this complaint? 

Eight : The confusion about this complaint is not mine but on the shoulders of Wells Fargo. 



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

I have been attempting to dispute fraudulent and incorrect information on my credit report with each of the bureaus. I provided additional documentation regarding a dispute and investigation request, and it has been over 30 days.