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

We were supposed to get a bill in the mail when we used them to purchase a new XXXX. The bill was supposed to be in the mail and it hasn't come in over a month and a half. I cant call them because it's just an automated line. I can't use the account number to log into the account as it says it can't find anything even with a social
Product: Credit reporting

This company has XXXX reports on my credit for internet loans of which I have no knowledge from another company. I have disputed more than once and they will not change nor provide any signed contract. I have been working on my credit and this I the main thing holding me back and I do n't now what to do next to take care of it. 



XXXX XXXX TX XXXX XXXX, XXXX Closed {$1200.00} Account Details Last Reported XXXX XXXX, XXXX XXXX Original Creditor XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX {$1200.00} High Balance {$1200.00} Remarks XXXX Result : XXXX 
Dispute Reason XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX COM XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX. 
Balance {$0.00} XXXX XXXX {$650.00} Remarks XXXX See something wrong? 
You could dispute an error with Equifax. 
Manage Your Collections Accounts
Product: Checking or savings account

On XX/XX/XXXX I reached out to the bank about a lost debit/credit card. I stopped transactions via mobile app and had received text messages from the bank stating that the transactions were denied. That said everything was actually debited from my account. When reaching out several times about the XXXX transactions totaling XXXX and was told that they would not be done investigating until XX/XX/XXXX despite my prompt report of unauthorized transactions and literally called despite turning my card off. These funds are my irs tax return and no provisional funds have been made available despite my calls and requests for a new card within a day of the most recent transaction that was supposedly denied by the bank. I have repeatedly asked for my money and spoke with the company that processed the transactions and was told that the bank needed to respond to the company. I continue to be put off all the while Im not able to pay my bills and care for my daughter due to my money not being available. I even spoke with visa regarding the unauthorized transactions guarantee but again said that I need to speak with the provider of the card.
Product: Credit reporting or other personal consumer reports

I am writing to request information regarding my consumer report. I recently reviewed my report and have some questions about the following entries : INQUIRIES : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed and used due to the XXXX data breach 605B. On numerous occasions I submitted a dispute and it was denied for National Credit System in the amount of {$4400.00} this is not my account opened XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Called the credit bureaus and company ask them to Remove filed an FTC report ref # XXXX XXXX XXXX file number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX AND EQUIFAX CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

Hello CFPB, My name is XXXX, a Wells Fargo checking account holder, as of XX/XX/XXXX of last year. I was prompted to open the account due to a {$400.00} promotion they were running for new accounts. Terms indicate {$4000.00} or more in qualifying direct deposits within 90 days of account opening, and receive {$400.00} promotional cash deposit 30 days after criteria met. According to my records, I met this criteria as of XX/XX/XXXX of this year and as a result, was expecting this {$400.00} to be deposited into my account late XXXX. After not seeing it, I began calling Wells Fargo early this month ( XXXX ) and am getting nowhere. Conflicting information, lack of any follow up on their part, and promises of research and a call back with no resolution. I have several complaint numbers, have a " case manager '' that is never available to speak to and will not return my calls. Also, Wells Fargo customer service indicated my account is attached a different promotion all together, which is an error on their part and has not been rectified. 

Please let me know what additional supporting documentation you need as I look forward to resolving this, receiving the promised funds and never doing business with this financial institution ever again. 

Best Regards, XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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
Product: Debt collection

Since XX/XX/XXXX, I have received notifications from Creditors SpecialtyService Inc. Due to illness, I did not have the ability to address the debt or communicate with the collector. In XX/XX/XXXX, with my health declining further, I attempt with the help of my sister to resolve the debt. Due to other concerns with finances, my intention was to declare bankruptcy. The only communication ( see call log attached ) with a representative was made in late XX/XX/XXXX, who gave me what I need to do to resolve. All attempts since that phone communication have gone unanswered ( see call log ) and it appears that the company is either no longer in business or my have gone bankrupt. I need to resolve this debt and clear any cloud on title of jointly owned property with my siblings. I am ready to resolve the debt, but have no means to connect with the company to do so.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inclusion of a XXXX  listed on my credit report. I have a court-issued letter that clearly confirms this XXXX  should not have been reported to your agency. Despite this official documentation, the XXXX  remains on my report, which is not only inaccurate but also highly concerning. Additionally, there appears to be the involvement of an unauthorized third party in this matter, further complicating the situation and raising serious concerns about the security and accuracy of my credit file. This is a pressing issue that requires immediate attention to ensure my report reflects only accurate and verified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car with Navy Federal in 2013. I was incorrectly instructed by the dealership XXXX of XXXX XXXX to let Navy federal repossess my vehicle because it no longer worked and the dealership would not accept the negative equity on a new car loan. For two years navy federal refused to repossess the vehicle. I informed them that i was a student and could not afford the payments. They told me it was my responsibility to do so and that they would not take the car because it was worth less than the loan. The loan has remained on my credit since then. The status on my credit reports say charged off. However they report monthly that my payment is late. This is fraudulent. I have tried to call them and they forward me to collection department. But they will not update there reporting. If the account is not in collections. Why are you trying to collect.
Product: Credit card or prepaid card

For about ten days prior to XXXX, I was attempting to use my USAA VISA Signature card for both on-line and in person purchases. It was rejected several times so I used another credit card. I thought there may have been errors in entering the card information or system overload during the busy and was in a rush to complete my holiday shopping. I finally called USAA customer services when I received notice from another one of my vendors that my card had again been rejected. When I finally reached customer service, I was told that there was a fraud alert on my card. I then asked why I was not advised of this alert and was told that, according to their records, I had been called by USAA. When I replied that there was no evidence of any call because there was no voicemail on my land line phone and no record of any call or voicemail from USAA on my XXXX. Nor were there any texts or email alerting me of this situation on my phone, XXXX  or email account, all of which USAA has access to. When I explained the foregoing, they said I was mistaken that according to their records I had definitely been called, but they refused to give me the number they supposedly used to reach me.. I find this treatment unfair and unacceptable particularly in light of the fact that USAAs customer base is veterans and their families.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

My debit card was lost during a vacation to South Carolina. I do not use my card on a regular basis and did not realize it was missing until I discovered unauthorized purchases made without the PIN number being used. My debit card was used without the PIN to make {$330.00} in unauthorized/ fraudulent purchases. Why was my debit card allowed to be used to take cash out of my Fidelity XXXX XXXX account without using the security feature of the PIN? The bank should not allow a debit card to be used without the PIN. This is the whole point of having a PIN - to protect me if my card is lost or stolen.
Product: Credit reporting or other personal consumer reports

Im submitting to the credit Bureaus today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/delete these items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

There is an adverse information being reported to my consumer report by sunrise credit services Inc. this adverse information is causing the financial harm as well as physical harm do to the fact I suffer from XXXX which is brought on by XXXX. I have attempted to contact sunrise credit services verbally and asked that they remove the erroneous data from my consumer report. I have drafted an affidavit of truth and create an invoice and label several US code in fractions That have been violated and sent it via certified US mail.
Product: Mortgage

We are selling our condo and closing on XX/XX/2023 but can not get a payoff quote for our closing due to Mr Cooper getting hacked several days ago. Ive tried calling and going to their website and get nothing. If we dont get a payoff quote to the attorneys in time, by Tuesday, this sale wont happen and will affect us financially. We need to get this payoff ASAP. 

Thanks much, XXXX XXXX XXXX XXXX IL
Product: Debt or credit management

I was getting charged for getting my credit score up and it was still the same after months of no change so I removed my self from the company after they made me pay a fee for not doing what was supposed to be done for my score not going up and getting the items removed.
Product: Checking or savings account

i attempted to open a checking account with wells fargo today for everyday checking and clear checking both were denied for no reason. ive banked with wells in XXXX of 2023 and at that time as well they closed my account for no reason and still havent received my {$300.00} i was entitled too after completing the requirements
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

XXXX XXXX promise me a kitchen to use until my place was done being built but what I got from them was lies deception I never got use of the kitchen due to rook leaks and unethical business practices I have file to take them to court they have been served a ten day demand letter. I need BOA to put my money back I have called them XXXX times and I have been lied to on every single call. I am ready to serve them a ten day demand letter if this does not get rectified immediatley there will be some meaningful consequences, there is not reason I am still waiting on a provisional credit since last Friday XX/XX/2023. There has been a hardship put in twice for them to issue the credit this too has fallen on blind eyes and deaf ears. I have XXXX accts with this bank XXXX business and XXXX personal now I am considering closing all of these acct I need a call from a decision maker since everyone else is being untruthful and unethical behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has illegally and falsely placed an Bankruptcy on my consumer report..I have asked transunion several times to validate the account..THEY HAVE FAILED. I asked them who was the furnisher of this account and they told me it was the BankRuptcy Court ... This is a lie, as I have contacted them and they do not communicate directly with the courts. Transunion is using data which I never gave permission to use from a third party company such as XXXX XXXX or public records database which is not only not accurate but they are not obtaining thin information directly from the original furnisher..This is a violation of my consumer rights and I DEMAND MONETARY Compensation for this violation
Product: Vehicle loan or lease

I paid off the loan, and actually overpaid the loan, with Sheffield within XXXX month of buying the trailer. They charged me {$37.00} for XXXX month of interest in a loan that had an annual rate of XXXX XXXX and will not refund the overpayment or give me the title. 

When I call, I'm transferred to multiple people and then put on hold for more than XXXX minutes at a time. 

They are not helpful and something's not right about this company. It's like pulling teeth to get to the right person or talk to anyone who can or will help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 sec . 602 ( a ) states that I have the right to privacy 15 U.S.C 1681 sec. 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related 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 requested an increase on my kohls credit card through the website and was called days later to verify i requested an increase, i informed them that i had requested an increase, at this time i had requested an increase at least 7 times prior and have never had a hard pull on my credit. within 5 minutes of getting off the phone with the rep i get a notification on my phone that kohls has gotten a copy of my credit report. i then call back and ask them why there was a hard pull and why would they not disclose to me that there would be a hard pull before my credit was run and they state to me that they never disclose if its a soft pull or a hard pull. at no time did i agree to have a hard pull as the previous times there was never a hard pull its always been soft, at this point i was sent to the credit department and they explained to me that there was nothing they could do
Product: Mortgage

PennyMac is refusing to make payment on our homeowners policy. I sent them the XXXX XXXX documentation showing we had a policy and they were supposed to make payment. They keep writing to us saying no payment has been made yet they are the ones who are supposed to pay it! We finally paid it in full ourselves to avoid a problem but PennyMac is still sending us notices that we dont have coverage HELP!!! 

This is an email we sent them on XX/XX/XXXX : TO : XXXX Hello. It was our understanding that the lender pays the insurance company and included in our monthly mortgage payment. 

Since PennyMac for some reason does not pay the homeowners insurance police and instead requires the mortgagee to pay up front, we did. See screenshot below. 

Please update our monthly payment to delete the portion that covers the insurance since we have paid it directly ourselves.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent XXXX XRP worth around XXXX $ from my Coinbase Wallet to Coinbase exchange account. After around 10-20 mins waited for the funds to be transferred from my wallet to exchange account however I never received it and no longer have the amount on either account and when I go to XRP transaction scan it shows the transfer was successful. Thinking it might be an error on my part, I went and double checked that I correctly put it the receiving address for the exchange account I was sending to and to my surprise the address is correct. So somehow XXXX XRP worth roughly XXXX $ is gone. I submitted a help request to Coinbase but have little to no faith they will actually assist me. I know I havent give much time to resolve this but its a lot of money and I'm panicking because I dont want my money to be lost forever. 

Coinbase Account email is XXXX The xrp transfer can be see on XXXX  this is the transaction number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX  about a new collection reporting from Midwest Recovery Systems. They claim the original debt is from a payday loan that I never applied for. I do not have any accounts in collection. XXXX  notified me that my social security number is on the dark web. This collection reporting is illegal & a fraud. There are several reports online where this company has fraudulently reported them also.
Product: Credit card or prepaid card

I opened American Express Delta Skymiles credit card in XX/XX/2021 online. It was advertised that I will get XXXX bonus miles after spending $ XXXX in first 3 months. I spend it and then I called and asked when I will get my XXXX bonus miles. I was told that after 3 billing circles. After 4 billing circles I called again and I was told that because I had this card before many years ago I will not get my bonus miles. I asked representative to find more info. I told that I opened this card thru advertisement on XXXX and I didn't get any info that I will not get any bonus miles because I had this card before. 
I was told that they will investigate and I was asked to call back in 10 business days back. I called back after 12 business days back and was told that I will not get any bonus miles. And no other info is available. I would never open this account if I knew that no bonus miles