23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, I attended a XXXX XXXX XXXX '' concert at the XXXX XXXX, in which I purchased a mixed drink, for which I paid {$17.00} plus ( + ) {$2.00} tip. While I did not request a receipt, I am certain the total amount paid was : {$20.00} including tip. 

On XX/XX/year>, I noticed a " pending '' transaction of " XXXX '' on my account. Then several days later, the final transaction posted as {$260.00}. This amount is significantly higher than what I authorized. 

I have made repeated attempts to contact the XXXX XXXX to resolve this issue, without success. I also attempted to dispute the transaction with my credit card institution, " Bank of America '', but they have denied the dispute for no evidence ( no receipt ) provided. I request your assistance in disputing this transaction and recovering the unauthorized funds. I unfortunately am unable to provide copies of receipts necessary to support my claim but can attest that the statement given is true and sincere. 

Thank you for your assistance and attention to this matter. 

Respectfully, XXXX XXXX
Product: Checking or savings account

I've reviewed WF 's investigation report and noticed multiple issues. Please see attached for a detailed analysis and provide me an reasonable explanation of such unusual login activities. Multiple locations login in such a short period of time doesn't mean the account is being monitored. It means the account has been login by different people in different locations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had a XXXX account and it is for over XXXX
Product: Debt collection

I need to File a complaint on Midland credit Management You are in Violation of the FDCPA I SENT IN CERTIFIED MAIL RECEIPT TO YOUR PLACE OF BUSINESS TO THE ADDRESS ON YOUR LETTER HEAD ASKING FOR DEBT VALIDATION ON XX/XX/2019 THE LETTER KEPT FLOATING AROUND IN THE POSTAL SYSTEMS i NOTICED SOMETHING WAS RIGHT SO I ASKED TO POSTAL SERVICES TO INVESTIGATE THIS MATTER AS TO  WHY THE LETTER WAS GOING TO YOUR PLACE OF BUSINESS JUST FOUND OUT TODAY YOU HAVE A FORWARDING ADDRESS YOU REALLY SHOULD UPDATE YOUR NEW ADDRESS AS TO MANY PEOPLE TRYING TO CONTACT YOUR OFFICE THIS IS A MAJOR VIOLATION TRACKING # XXXX XXXX XXXX XXXX XXXX TRACK IT YOURSELF IT STILL HAVENT ARRIVED EVEN AT YOUR SO CALLED NEW ADDRESS YOUR COMPANY SHOULD BE ASHAMED OF YOURSELF FOR DOING SOMETHING LIKE THIS AND THE SAD PART ABOUT IT YOU EVEN HAVE IT SET UP IN WHICH IT FOOLS THE POSTAL SERVICE SYSTEM WHEN YOU THINK YOU HAVE SEEN IT ALL
Product: Student loan

I am having difficulties with my servicer Mohela for the past 8 months. I started my loan repayment on XX/XX/XXXX. I made my first payment for {$130.00} on XX/XX/XXXX. The next month, I notice that there is an amount for {$130.00} overdue. I called about that, Mohela told me computer is slow to update the website. So I continue to pay every month. Each month, I notice that there is an amount always overdue. I called Mohela and they finally figured out that my XXXX payment only went to loan sequence XXXX and not to the other loan sequences for some reason. Due to this, all my payments have been backlogged. I was essentially paying for the previous month every month. I have called Mohela multiple times each month starting XX/XX/XXXX to fix this issue. They promised each time that they placed a ticket to fix this and to " wait 30 or 40 days. '' I wait and call back and they keep telling me to wait more days. Nothing is getting fixed. Nothing is getting changed despite calling them and complaining for the past couple of months. I called recently and they are saying that due to the recent shift of mohela to student aid, they can't see any past information. The way they handle this whole situation is infuriating and downright unprofessional.
Product: Credit reporting or other personal consumer reports

Despite having a fraud alert on my account Equifax has reported fraudulent accounts, inquiries and addresses. 

1. XXXX XXXX ( Account Number Ending in XXXX Opened- XX/XX/XXXX ) Status : Charged off with a balance of {$350.00}. 
Issue : This account has not been verified by XXXX XXXX. Under 15 U.S.C. 1681i ( a ), I have the right to dispute this account, and XXXX is required to conduct a reasonable reinvestigation. To date, there has been no verification of this account by XXXX XXXX. 

2. XXXX XXXX ( Account Number Ending in XXXX Opened- XX/XX/XXXX ) Status : Charged off with a balance of {$2200.00}. 
Issue : This charge-off is inaccurate and has not been verified by XXXX XXXX. I dispute this account under 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation. Additionally, under 15 U.S.C. 1681s-2 ( a ), the creditor is responsible for furnishing accurate information. XXXX XXXX has not provided sufficient verification for this debt. 

3. XXXX & XXXX ( Account Number Ending in XXXX Opened- XX/XX/XXXXXXXX  ) Status : Collection account for {$260.00} from Progressive. 
Issue : This debt is being reported by XXXX XXXX XXXX, but I do not have any outstanding debt with Progressive. I request validation of this debt under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), but no proper validation has been provided. Until XXXX XXXX XXXX verifies this debt, it must be removed from my credit report under 15 U.S.C. 1681i ( a ). 

4. XXXX XXXX XXXX XXXX ( Account Number Ending in XXXX Opened- XX/XX/XXXXXXXX  ) Status : Charged off with a balance of {$1000.00}. 
Issue : This charge-off has not been verified by XXXX XXXX XXXX XXXX . Under 15 U.S.C. 1681s-2 ( a ), they are required to report accurate information. As they have not verified this debt, it must be removed under 15 U.S.C. 1681i ( a ). 

Inquiries to be removed : XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

Addresses : All addresses Equifax has listed other than XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX.
Product: Mortgage

We applied for a loan modification XX/XX/XXXX. It was approved XX/XX/XXXX. Since since then we have made all of our payments on time. It has been just short of XXXX years and Bank of America has not been reporting to the credit bureau. The house value is such that we would be able to market the home and downsize. We would hope to purchase again. 
Because BAC has not been reporting they have negatively impacted our score. When contacted they sent a computer print out of our payment record. That is not good enough!
Product: Vehicle loan or lease

On XX/XX/XXXX, I called PNC Bank to make a payment to an auto loan. Somehow the inaccurate checking account number was entered. 
I updated the checking account and payment regarding loan and late fees. 
As a result a late payment was added to my credit report. This is the only late payment due to the situation. 
On XX/XX/XXXX, I sent a fax following the phone call with PNC Bank to its Consumer Credit Bureau Investigation. 

On XXXX XXXX I called regarding the status of dispute and I was told company never received letter.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address persistent inaccuracies in my credit report from Equifax. Despite previous attempts to resolve these issues, the inaccuracies remain unresolved and continue to harm my creditworthiness. 

Specific Items in Dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issues Identified : Inconsistent or unverified reporting across multiple data points.

Failure to provide evidence substantiating the accuracy of negative items.

Violations of federal standards, including the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, requiring maximum possible accuracy and completeness.

Requested Resolution : I request : 1. Immediate removal or correction of all disputed items. 
XXXX. Evidence confirming compliance with federal regulations and industry standards. 
XXXX. Written verification from a qualified individual attesting to the accuracy of any retained information. 

Impact : These errors have resulted in unfair denials of credit and increased financial burdens due to higher interest rates. 

I urge Equifax to take immediate corrective action to resolve this matter within 7 days to avoid further escalation.
Product: Credit reporting or other personal consumer reports

Im looking at my credit report and i notice something with the report that does not appear to be correct. I would like for you to investigate this account for complete accuracy. I believe that this is damaging to my credit and csausing me to be denied for credit. here is the account that i would to have investigated for accuracy, Account- XXXX  XXXX  - Acct # XXXX
Product: Student loan

I 've requested that Nelnet honor my six-month grace period, yet Nelnet has yet to do so. In the most recent correspondence, dated XXXX XXXX XXXX, the deferment details are listed as : Start date : XXXX/XXXX/XXXX End Date : XXXX/XXXX/XXXX Next payment due : XXXX/XXXX/XXXX The distance in time between the end date and the next payment due date is not six months. I request that Nelnet make the appropriate correction to its records. 

Thank you.
Product: Debt collection

I am attempting to close out the estate of my deceased father. He had  XXXX  judgements placed against him. I   am trying to pay them in their full amount through the sale of his house. However, one of the companies, Main Street Acquisitions, refuses to provide the title company with a pay-off amount. This is resulting in the inability to close the sale and the inability to close out the estate.
<P/>
I, and the representative from the title company have been trying to get an answer from Main Street and are facing a stone wall and feel like the sale of the house is being held hostage to their ineptitude. When we call Main Street we are told that they are trying to place the debt with a servicer and that they have escalated with their dispute resolution department. We are not trying to dispute the judgement or the amount of the judgement. We are merely trying to pay it, but they will not allow us to.
<P/>
The result of their unwillingness to provide the pay-off is that now my house buyer is wanting to charge me {$370.00} per day ( including weekends ) since this has caused us to miss the contractual closing date and if we can not resolve this with Main Street, I will lose the sale of the house in 14 days.
<P/>  I expect that this will absolutely cost us this sale and do not see why future attempts to sell the house would ever lead to a different result which means i ca n't sell it and ca n't close out the estate.  <P/> I am merely trying to honor the financial obligations that my father created. I am not trying to negotiate the amount of the judgement at all. I am begging them to just take the money that is owed and let us proceed with the sale. They do not appear to be interested in doing this. Due to real estate market timing, I do n't believe that subsequent offers will be as high as the one I am desperately trying to close right now. Their actions very like are now causing financial damages to the estate.
Product: Money transfer, virtual currency, or money service

My purse was stolen on XX/XX/2023. The criminals attempted to transfer funds from my XXXX XXXX XXXX  via Cash Ap. I do not have a cash ap account, however, I contacted cash ap to try and get the criminals account shut down and cash ap said there is nothing they were willing to do and were unable to look up my transaction.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX, and this complaint isn't under any influence of anyone else and this is not a third party. I have been disputing an incorrectly reporting account on my Equifax report, as well as unknown inquiries on my Equifax and XXXX reports. This derogatory account is not on my XXXX or XXXX reports. I am trying to start a business and in order to get funding I want to make sure my credit is being ACCURATELY REPORTED. I have disputed this account and inquiries MULTIPLE TIMES with no fix. I tried calling on the phone but was met with a foreign representative in the fraud department. I asked to speak to an American representative but was put on hold for HOURS. Something is wrong with these bureaus. I do not understand why they are abusing consumers XXXXThey kept lying telling me they disputed it and its not reporting but it kept reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the inquiries and it's been XXXX  days and they record the calls and admitted they had my police report and FTC and affidavit. That was after attempting to contact XXXX more than XXXX times. These companies are supposed to be protecting consumers. They need to be corrected and I wish they would listen. they are causing me severe XXXX and stopping me from getting funding for my business which is horribly stressful PLEASE HELP I'm extremely frustrated.
Product: Checking or savings account

I dont know why but when I got an overdraft fee there was 3 payments, and its happened multiple times before and Ive heard of it happening to other people I know. I just feel theres no reason to do 3 overdraft fees on the same day.
Product: Debt collection

In XXXX of XXXX I received a collections letter from XXXX XXXX XXXX on behalf of the University of XXXX for a Perkins loan. They said I owed {$4400.00} and needed to pay immediately. We settled on 11 automatic payments of {$400.00}. Monthly, from XXXX XXXX to XX/XX/XXXX, {$400.00} was withdrawn from my bank account. After my last payment was withdrawn in XXXX of XXXX, I considered the loan paid off. 

On XX/XX/XXXX, I received a call from Heartland ESCI claiming that I owed still {$1900.00} on the loan. When I checked my credit report, the loan was also listed there, causing my credit score to drop. I asked for a debt verification letter on XX/XX/XXXX. On XX/XX/XXXX I called Heartland ESCI and they said that I was missing three out of 11 payments for the Perkins loan. I called the University of XXXX  Student Loan Collections Office and they also confirmed that 3 payments were missing. I sent over a copy of my bank statement showing the 11 withdrawals. On XX/XX/XXXX, the student loan collection office at the University of XXXX called me back confirmed that they have found the three missing payments. XXXX XXXX XXXX failed to post them to my account and then closed out my account. Instead of the {$1900.00} I supposedly owed, I owed the remainder interest payment of {$160.00}. The closed account went to Heartland ESCI who then damaged my credit trying to collect on a loan I had already paid off.
Product: Credit card

I paid my XXXX card in full and I was hit with a 30 day late payment in XXXX 2016 for being {$6.00} past due. There is no way this accurate. This must be an error with the interest that was carried over so please fix this ASAP.
Product: Checking or savings account

I had scheduled a same-day ACH that was to be delivered on the next business day. Chase called me in the morning, apparently needing to verify my identity, and I missed their call. I called back within minutes, and was told that the agent cancelled my ACH and that I needed to re-place it. Luckily it was about XXXX EST or so I was still well within the same-day ACH timeline. I re-placed the ACH and the agent made a note that I already verified my identity with her. XXXX and behold, hours later another agent calls, and I miss the call. They call minutes before Chase 's ACH cutoff. I, again, call back immediately, but am on hold for over 30 minutes. This time, the agent put the transaction on pause, with a delivery date of XX/XX/XXXX ( as expected ). I speak with the agent, they validate my identity a 2nd time, and state that the ACH will go through in the next batch, still hitting on XX/XX/XXXX. The day ends and it never goes through. It is delivered on XX/XX/XXXX without any explanation on the multiple touch points of mismanagement by Chase. This date issue causes multiple issues with payroll and requirements by the bank this ACH was being sent to and is why I made sure, multiple times, that the date was completely correct, spending hours on the phone with Chase over a minor issue.

To add insult to injury, I ask for a manager to look into the issue as no one could tell me what happened. A manager never calls me, yet closes the case that was opened ( XXXX ). No notification whatsoever. I then open a new case and, of course, no manager has called me within the stated timeline despite multiple follow-ups. This is not my case to continuously follow-up on nor should this issue have ever happened to me. New case is XXXX. 

Chase, please refund the fees associated with the late ACH that I did not agree to, explain what happened in the above, and explain why multiple managers have failed to call me when I have raised this more times than I ever should have.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXXXXXX Balance : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some inaccuracies on my credit profile. These inaccuracies have prevented me from getting approved for an apartment and now i am homeless and desperately need a place to stay. I am going thru an ongoing divorce and have lost everything.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report
Product: Credit card or prepaid card

I purchased 4 passengers tickets from www.sky-tours.com for around {$4300.00} in XXXX and the flights were cancelled due to COVID-19 but I still haven't received refund yet. I filed a credit card dispute through Citi card but they closed the case as merchant 's favor even though it was fully refundable tickets. I contacted the travel agency so many times but they never answer the calls. They just kept telling I have to wait.
Product: Checking or savings account

XXXX XXXX ( of XXXX XXXX XXXX XXXX, XXXX XXXX, Florida ) defrauded XXXX XXXX of {$200000.00} as she was XXXX from XXXX XXXX and Wells Fargo ignored obvious check fraud. XXXX XXXX deposited approximately 15 checks for {$9900.00} over the three weeks. He used so many checks to avoid tripping the Bank Secrecy Act limits. 

Wells Fargo didn't halt the payments for violations of the BSA nor for obvious fraud. They didn't contact XXXX  XXXX XXXX ( where the checks were drawn ) or investigate the deposit of 15 check just below {$10000.00}. 

Wells Fargo 's lack of action enabled the Exploitation of a vulnerable adult. Exploitation of a vulnerable adult is illegal in Florida. 

I would like Wells Fargo to investigate this fraud and violation of the BSA and prosecute XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX   XXXX XXXX XX/XX/2018 TOYOTA MTR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

I have not received any information from this company to verify that the information is accurate no account info dates or anything. I wasnt aware my info was sold to someone else
Product: Money transfer, virtual currency, or money service

I used pay pal on XX/XX/XXXX to make transaction online on XXXX XXXX I cancel the transaction an got a refund being that purchased using PayPal the refund was sent back to them on XX/XX/XXXX an the balance of the refund was to be given back to me of what I paid. As of XX/XX/XXXX th PayPal still havent gave me my refund an is withholding it an I call them everyday asking why havent my refund been credited back to PayPal balance so I can transfer it back to bank an everyday its a new excuse of their system is flinching or they dont know what happen. I have file XXXX  complaint against them as well because at this point you cant just with hold a consumer money for no reason when its my money
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING FRAUDULENT ACCOUNTS WERE OPENED IN MY NAME : XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX