23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the previous complaint filed with the CFPB, XXXX. I asked LexisNexis to update my Current Carrier insurance report with all the policies I have had for the past 7 years since there were gaps on my report and I have not had any insurance gap. I contacted all the insurance companies I have had and compiled a PDF with the Declaration pages for each and every single Policy I have had and sent it to Lexis Nexis so they would updated the missing ones. Not only I was forced to contact the CFPB since they ignored me when I contacted them directly, but now I receive an " updated '' report which is still missing over 10 policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX with 03 credit bureaus agency Experian, XXXX and XXXX don't grow enough Although I don't have any existing debts and my payment history on time since XXXX which I should have a better score than I currently has, I don't have any payment for credit cards or car loan that is late nor I owe money to any credit card or Mortgage company. 
all my previous old credit card since XXXX was settled in full therefore I'm disputing all the negative records on my credit profile, I never been contacted by any agency that I owe them money. 
my question is why my XXXX XXXX never increase however I have great payment history.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was making a purchase at XXXX XXXX. The total charge was {$50.00}. I initially tried to pay by XXXX XXXX credit card. The new cashier in training told me she could not process my credit card and asked me to pay cash. I then paid {$60.00} in cash and I got {$10.00} for change. 


After two months, I got a bill stating I owe {$78.00} including the late fee. That means I was charged twice on XX/XX/XXXX and I paid twice ( XXXX credit card and my cash ) for the same items.I did not even got the first bill of {$50.00} in the first place. 


Since I have already paid the items by cash, I am not responsible for the {$78.00} card payment. I called XXXX XXXX and filed a dispute. I was told I would not be charged the interest during the investigation. I faxed my letter explaining the situation and faxed a copy of the receipts. 


However, I got three letters today on XX/XX/XXXX from XXXX XXXX. The first one stated they got my request for the dispute. The second one I got was asking me to call them to provide further info. The third one was the statement asking me to pay {$110.00} now including the additional late fee again. I called XXXX XXXX   again and the representative twisted the story. She said the cash payment was cancelled and the credit card was charged. I discussed about the receipts I sent them earlier by fax but the info was ignored. 


Therefore, pls follow up and waive all the charges and fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent a dispute letter to Transunion, XXXX, and XXXX  to inform them of account XXXX XXXX XXXX. letting them know this account was paid in full prior to charge off. The status should reflect paid in full not charge off or the collection and to please update by removing the inaccurate information on my credit report. 

On XX/XX/20 I sent a dispute letter to Transunion, XX/XX/XXXX and XXXX to inform them of account XXXX  XXXX that this account has substantial errors that must be fixed. Please verify all its parameters as appropriate and delete if unverifiable, and provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Due to payment being paid down to a balance is XXXX prior to being charged. This needs to be removed at once. 


On XX/XX/20 I sent a dispute letter to Transunion, XX/XX/XXXX and XXXX to inform them of account XXXX XXXX. This account was paid in full prior to charge off. The status should reflect paid in full not charge off or collection. This needs to be removed at once. 

On XX/XX/20 I sent a dispute letter to Transunion, XX/XX/XXXX, XXXX and XXXX to Provide a CERTIFIED copy of Authorization signed by me, naming their company as having my consent to furnish, update, verify, inquiries. I still have not received anything in over 30 days.
Product: Mortgage

Aurora Loan Servicing is reporting my mortgage as " Delinquent XXXX '' to XXXX. This is incorrect and they wo n't change it. Aurora Loan Servicing transferred my loan to Nationstar Mortgage in 2012. My loan has been current the past 4 years. I 'm in a 6.6 % interest rate mortgage and ca n't get an approval to refinance because this trade-line is still being negatively reported by XXXX. The trade-line needs to read as follows : " Paid was 90 days, balance XXXX ''. I 'm attaching a copy of the credit page I got from my mortgage broker. Please Please Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting a indenty theft report and having a police report with all that was necessary. Experain failed and refused to remove the fruadglent account from my credit files which goes against The laws set in place According to the Fair Credit Reporting Act. 

XXXX XXXX XXXX  XXXX Account number XXXX
Product: Checking or savings account

On XX/XX/22 I was contacted by someone XXXX claiming to be from Wells Fargo, asking me about transactions that were being made in a different state by a women named XXXX, if it was me or someone I knew. I said no, then they proceeded on telling me that they will have to cancel my debit card and they will send me a set of messages to verify that it is me. I then received a text message from the phone number XXXX. The message alerted me that there was fraudulent activity on her account. The text message requested that provide my password for her account to prove it was her. I texted the phone number her password. I was advised that they would be freezing my accounts, so I would not be able to login into my online banking and canceling my debit card due to the fraudulent activity. Id have to wait for my card to come in the mail, then call the bank to reactivate my account and change login and password. I waited to receive a new debit card and when it didn't come in a timely manner XXXX XXXX XXXX XXXX I checked her online bank account. At this time, I realized I was not locked out of the account like the person claiming to be from Wells Fargo stated i would be. I then observed someone had requested a cash advance on my credit card for {$7400.00} to my savings account, which maxed out my credit card and wire transferred {$10000.00} from my savings account to a " XXXX XXXX ''. I went into Wells Fargo branch reported the incident on XX/XX/XXXX. The Banker helped me file a fraud complaint and cancelled all my accounts and advised me to freeze my credit, which I did. The next day we opened all new accounts and waited for the fraud departments response. About 2 weeks and half later Wells Fargo advised me via letter they could not prove it wasn't me doing the transfers due to the person knowing her banking information and that they tried to retrieve the money from the entity where it was transferred to they couldnt and therefore they could not reimburse me the money. I called Wells Fargo several time attempting to explain that it wasnt my doing and after being transferred to 10 different agents, I returned to the Branch where I talked to the banker, and he submitted an escalation for my complaint. About another 2 weeks and half after calling the representative about 5 or 6 times, I was then told that I needed to file a police report because they can not help me. So, on XX/XX/XXXX I went to the XXXX XXXX Police department, and I submitted one. The detective has tried to contact Wells Fargo several times and left a message, but no one got back to him. So I had to call them and figure out the right number for the detective to call. After being transferred to 2 other agents I was finally given the right number for him to call XXXX XXXX XXXX XXXX XXXX so I have provided the number to the detective who told me that they asked him to send and email and he sent it and he is waiting for an answer from Wells Fargo. It has been 2 weeks now and I have not obtained any update from the detective. The total loss is {$18000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to my balance is showing different on all 3 credit bureaus and showing missed payments for different months. I am on auto payment with Credit Acceptance how can I have a missed payment. 
Credit acceptance need to update my balance to update all 3 credit bureaus correctly and remove the missed/ late payments. A payment can not be late if I set it up on their website and it is automatically drafted.
Product: Student loan

Hello. I have applied for the XXXX plan at least 4 times under Mohela and they continue to place me in standard repayment. I should absolutely qualify for XXXX, since I was already in it until XXXX of this year when a Mohela rep convinced me to consolidate my loans ( which I now hugely regret doing ). I sent in my XXXX plan recertification information at the same time as I applied to consolidate. For unexplained reasons I was removed from XXXX ( or any XXXX type program at all ) when my loan was consolidated months later. I reapplied for XXXX and I never heard from Mohela and I ended up calling them and they told me to apply again, which I have now done at least 4 times. This month, yet again, they have put me on the standard plan which will cost me nearly twice as much over the life of the loan as the XXXX plan. There is no reason for them to deny me since I was on XXXX with the same income previously, and my student loan amounts are higher than my annual income. Please help! Mohela continues to take more of my money than they rightfully should!
Product: Credit reporting or other personal consumer reports

this complaint as well as the following CFPB complaints : XXXX and XXXX surrounds Transunion Credit bureau. The credit bureau emailed me XXXX encrypted messages ( XX/XX/XXXX and XX/XX/XXXX ) indicating that Bounce AI is verified as accurate. I am writing to request detailed information regarding the verification process for the dispute I filed concerning the item ( s ) disputed, Bounce AI ( a debt that was taken care of with the original creditor, XXXX XXXX prior to it being sent to collections ) which was recently returned as " Verified as Accurate '' on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT REPORT, AND I HAVE BEEN CALING AND WRITING TO THE BUREAUS AND TO XXXX  XXXX XXXX DIRECTLY. THE ACCOUNT WAS OPENED FRAUDULENTLY, THE CHARGES ARE FRAUDULENT AND NOW THE ACCOUNT HAS A XXXX BALANCE AND ITS CLOSED, BUT NEVER THE LESS IS A FRAUDULENT ACCOUNT AND IT IS NOT MINE, I HAVE NEVER SEEN THE COLOR OF THAT CARD. WHAT IS THE POINT OF HAVING FEDERAL TRADE COMMSSION OR EVEN THIS ORGANIZATION IF NO ONE EVER CARES WHAT CONSUMERS TELL THEM OR WHAT THEY SAY. THIS XXXX  XXXX XXXX IS NOT MINE, I HAVE NEVER OPENED THE CARD, I HAVE NEVER MADE ANY PAYMENTS, I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORTS.
Product: Vehicle loan or lease

My XXXX XXXX XXXX XXXX was purchased by me on XX/XX/XXXX ; from XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX/ Web-site XXXX. Sales : XXXX My Car payments are due on the XXXX of every month ; beginning XXXX XXXX. 


Transactions DATE SORTED BY DATE : DESCENDING. 
XXXX XX/XX/XXXX One-Time Payment Completed {$550.00} XX/XX/XXXX Reallocations Completed {$0.00} XX/XX/XXXX One-Time Payment Completed {$550.00} XX/XX/XXXX Payment Processing Center Completed $ XXXX/gap coverage was returned to the bank ; the bank applied that money as a car payment ; I never ask the bank to do that ; the bank also charged me XXXX for the return of the gap money. The gap money should have been deducted from the original {$36000.00} loan amount. 

This is the original amount I financed and does not include finance charges. 
{$36000.00} amount XX/XX/XXXX One-Time Payment Completed {$550.00} Cash down payment XXXX was not applied to the loan ; yet, it's on the contract. the bank told me that they never got the down payment. 
The daily interest rate on-line is % 7.0 on the contract it's % 6.99. I have made all payments on the car prior to the agreed due date ; which is the XXXX of every month. The XXXX payment for some unexplained reason was not reported ; now the bank says I am behind in my XXXX payment ; that a false accusation, I have never missed a payment ; if anything I pay early to reduce the compounded interest rates.
Product: Credit card or prepaid card

I WAS CHARGED ON MY ON MY VISA CREDIT CARD FOR SOMETHING THAT I DID NOT AUTHORIZE ON XX/XX/09 FOR XXXX .. I CALLED VISA SEVERAL TIMES IN XX/XX/2009 WHEN THE CHARGE WAS ON MY STATEMENTS AND THEY NEVER DID ANYTHING TO HELP ME. I HAVE BEEN CALLING IN TO THEM EVER SINCE AND THEY ARE NOW TELLING ME THAT THE CHARGE IS TOO OLD AND THEY CANT HELP ME. I DONT UNDERSTAND HOW THEY CANT WHEN THEY SHOULD HAVE IT DOCUMENTED THAT I HAVE CALLED IN THE PAST AND THEY ARE TELLING ME THERE IS NOTHING THEY CAN DO NOW. I SPOKE WITH A REP NAME XXXX XXXX XXXX XXXX AND SHE WOULD NOT PUT ME TO THE MANAGER BUT JUST KEPT SAYING THAT THEY CANT HELP ME.. SHE WAS VERY NASTY ALONG WITH THE OTHER REPS I SPOKE TO. THIS IS MONEY THAT WAS TAKEN OUT OF MY ACCOUNT WITHOUT MY CONSENT. PLEASE HELP ME TO GET THIS MONEY BACK. I LIVE ON A FIXED INCOME AND CANT AFFORD TO JUST LET THIS MONEY GO. I HAVE BEEN PAYING MY BILL AND IM SURE THE BALANCE FOR THIS TRANSACTION HAS BEEN PAID BY NOW BUT I COULDNT JUST LET IT GO THAT WOULD BE ON MY CREDIT AND I DO NOT JUST LET BILLS GO TO GET A POOR CREDIT REPORT. IM SURE YOU UNDERSTAND THAT BECAUSE VISA DOES NOT. PLEASE HELP ME GET MY MONEY BACK. THIS IS SENIOR CITIZEN ABUSE
Product: Credit reporting or other personal consumer reports

Your response has greatly angered me! How can you dismiss my request for help with my credit report as if it's unimportant? Your explanations are illogical, and it seems like you're completely ignoring my concerns. The following accounts need to be removed : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

I want to make it clear that I am not playing games here. I genuinely believe that I am a victim of identity theft. I've provided you with all the evidence, such as my FTC report, and it's disheartening to feel like you're suggesting I made a mistake or lied. I need you to reconsider and ensure accuracy this time. Other credit bureaus like XXXX and XXXX have already removed these accounts from their records due to their inaccuracy, so I'm left wondering why you're still reporting them.
Product: Credit reporting or other personal consumer reports

I recently uploaded a copy of my FTC report, license and proof that my information has been exposed in the latest Equifax data breach as well as the breach of XXXX XXXX. The proof shows that my info was breached during XXXX and XXXX. I have been disputing some of these items since before XXXX and they still remain. When they were not removed based on me being a victim of identity theft, I tried to attack the huge inaccuracies and inconsistencies but XXXX, XXXX, and Equifax still keep verifying the debts without sending me any verification as requested and the items remain on my credit report. I Just did a cfpb complaint and disputes pursuant to 605b and its been well beyond 4 business days and the items remain and the credit reporting agencies are refusing to remove these items from my credit score and everyone is saying that they will reinvestigate again and again when nothing is being removed and not only have I provided proof of inaccurate and inconsistent information but proof that my information was breached as well.
Product: Payday loan, title loan, personal loan, or advance loan

So basically Acima is loansharking. I have a current payoff amount of just over {$1000.00} for repairs that I had done on my car. That payoff is due by XX/XX/XXXX however, if I do not pay it off by XX/XX/XXXX, somehow the payoff goes from XXXX some dollars over XXXX by XX/XX/XXXX, I tried to get a seat to explain to me how that works how it could be raised so much in just 11 days, how that interest is compounded how that is even possible to get that high of a payment one thats double what they loaned me in the first place. They refused to give me my lease terms. They refused to extend the payment plan till XXXX XXXX, so that I could pay this off, Im a XXXX veteran with a brain injury not that matters to you but I could really use some help with this company. The total amount that I borrowed from them was XXXX and some change and theyre trying to charge me over {$3000.00} in interest theyre loansharking.
Product: Credit card or prepaid card

AMEX can not supply proof of payment via statement stated XX/XX/2023 for payment in the {$14000.00}. It is not available online as well. They can not offer an explanation as to why the statement did not generate with my payment details. Due to the large payment amount I need proof of transaction. It is not listed on the XX/XX/2023 or XX/XX/2023 statements.
Product: Debt collection

I received a prescription from my XXXX doctor at XXXX. It was approved by Medicare 's XXXX section. I chose XXXX. I had problems getting lots of things from XXXX and finally could on my own.But the one thing I could not get was the XXXX. XXXX in Medicare 's XXXX department helped me. All went well after that. the XXXX and a lot I believe of the XXXX I had. But because of the cost I switched to an XXXX plan. XXXX probably knew long before it said anything to me which was XX/XX/2016. At that time XXXX said if we did n't make arrangement we would start being charged. I quickly called my XXXX plan they agreed to pay XXXX the same amount that Medicare was paying them through he end of the year ( 13 months ). Now I felt comfortable. I waited until I heard back from XXXX, the operators first said do n't worry I do n't owe anything, second said you only owe {$500.00}, then Phone call saying the machine must be returned or I will start being charged, then a XXXX showed up NO ADVANCE NOTICE, NO PAPERWORK! and two more times he said they always do this. I thought about even the older Medicare patients using Medicare, just doing what they are told. XXXX has paperwork for something cost {$6.00} but some of these machines cost {$4000.00}! Anyhow I returned it myself. They would not take it up front, only in the back, I noticed right next to a XXXX office Any employee could run a scam. Well after dropping it off I had to go back up front to sign. He pointed where to sign, I did not, I wrote right above. I covered the entire page saying that XXXX was not willing to work with my medical insurance co.. 
Then I started getting bills. The first for " new patient '' for a {$1000.00}. and that went on at the same time as they tried to get additional personnel informational. I kept on saying I will not give personnel information over the phone- request it on company letterhead and I will answer it. They never did. I would get calls asking for calls with my middle name, and just like for anyone I would ask what did you want if I did n't recognize the voice. Then I got this letter saying if I did respond within 30 days of receiving it then I accept the amount owed. Well the XXXX happens to be a Sunday and they are closed. Trying to get a letter there over night at XXXX no. so I figure the best way was to tell you, the government, that they are and have been using scare tactics on me since XXXX with all the health issues I have ; all you have to do is ask me to print them out and you can see. I am not making this up. I 'll call XXXX on Monday, and different people if need be. Thank you so much for taking the time to read this and even if you ca n't do anything I understand There always is XXXX and XXXX. Company doing collection for XXXX now GLOBAL RECEIVABLES SOLUTIONS
Product: Vehicle loan or lease

I have had a loan account since XX/XX/2014 in the amount of {$25000.00} with Santander Consumer USA Holdings Inc. To this day I still owe {$14000.00}. I have made additional payments ( outside of regular payments and they still take interest ). This company is a scam. I need help as I have already given them XXXX on my truck and I am still upside down. You can't get any help when you call them. This is beyond unresonable and I do not know what else to do. I would default on the loan at this time but I am working on my credit and it is very good. 

Please help.
Product: Credit reporting or other personal consumer reports

15 USC 1681- There is a need to insure that Consumer Reporting Agencies exercise their grave responsibilities with fairness impartially and a respect for the consumers right to privacy. Permissable purposes of consumer reports- Subject to subsections any Consumer Reporting Agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. Without written permission from me XXXX XXXX XXXX nothing can be furnished on my credit report. If I did not give permission to put on my credit report it should not be put on the credit report. If it is it is fraud/ identity theft. 15 usc 1692 C Communication with Consumer Generally- Without the prior consent of the consumer given directly to the debt collector or the express permission of a Court of competent Jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit card

Date : XX/XX/2025 Kohl 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Re : Pre-Arbitration Demand Legal Violations and Settlement Offer Dear KOHLS XXXX, ATTN : XXXX XXXX XXXX This notice serves as a formal Pre-Arbitration Demand regarding multiple legal violations committed by Kohl 's XXXX  ( " Kohl 's '' ) concerning the improper handling of my account and the failure to comply with both consumer protection and reporting requirements. This demand is made in response to Kohl 's correspondence following my Consumer Financial Protection Bureau ( CFPB ) complaint.
Product: Checking or savings account

My funds were held from Wells Fargo and it caused me to be late on a rent payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXX XXXX XXXX {$3300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT