23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX is violating my consumer rights. They are fraudulently letting CAINE & WEINER COMPA, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on XXXX for failure to investigate as I'm a federally protected consumer. I will also be reporting both XXXX and CAINE & WEINER COMPA to the IRS filling out form 3949- A information referral for unreported income since XXXX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and Better Business Bureau. I attached proof that CAINE & WEINER COMPA isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that CAINE & WEINER COMPA pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain
Product: Student loan

I completed a Loan Rehabilitation program with Nelnet and the US Dept of Education to successfully bring my student loans out of a default status and into a current status. As part of completing the program, I was advised that any derogatory information tied to the old accounts would be removed from my credit report and replaced with a new account that does not have any negative remarks from the past. I sent a special written request directly to Nelnet. In whole, it stated : I'd like to bring to your attention an error with your reporting of a rehabilitated student loan. I have previously disputed this reporting with all three major credit reporting bureaus on several occasions. Specifically, I am expecting the deletion of derogatory credit reporting on any of the Nelnet/Department of Education loan - as specified in the terms of the Higher Education Act and the Department of Education. Specifically, it says : To rehabilitate a defaulted Direct Loan or FFEL Program Loan, you must agree in writing to make nine voluntary, reasonable, and affordable monthly payments ( as determined by your loan holder ) within 20 days of the due date and make all nine payments during a period of 10 consecutive months. Benefit : When your loan is rehabilitated, the default status will be removed from your loan, and collection of payments through wage garnishment or Treasury offset will stop. Youll regain eligibility for benefits that were available on the loan before you defaulted, such as deferment, forbearance, a choice of repayment plans, and loan forgiveness, and youll be eligible to receive federal student aid. Also, the record of default on the rehabilitated loan will be removed from your credit history. Therefore, I respectfully request you address my concerns here. I have enclosed copies of my credit reports highlighting the incorrect loans that keep getting verified as correct after a credit bureau investigation. For your records, this loan rehabilitation was completed by me, therefore I suspect ample time has gone by for you to correct your records. Kindly respond promptly. I have yet to receive a response from them after nearly 60 days and continue to have negative information on my credit report adversely affect me.
Product: Credit reporting or other personal consumer reports

I have had this card for a awhile the XXXX card with XXXX XXXX since XX/XX/XXXX. I was on a payment/re-age plan with the bank on XX/XX/XXXX yet they kept reporting me as past due and have reported my past due 90 days twice. This is not accurate. I was reported 90 days past due twice on top of the other past dues. When I called, the rep told me that they do not have access to the reporting information, it is out of their scope. 
XXXX XXXX XXXX Last reported XX/XX/XXXX Open balance {$500.00} Credit limit Credit limit {$500.00} Confirm card for your account Tell us which card this is so we can show you additional card details. 
Please confirm : do you carry a balance on this card every month? 
We'll tailor the advice below based on your answer. 

Yes, I carry a balance No, I pay it off OVERVIEW Credit limit {$500.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 69 % of payments on time XXXX Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Open Type Credit card Responsibility Individual Remarks -- Times XX/XX/XXXX days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX ( XXXX ) XXXX See a mistake? 
She repeated on time payments back to me. I spoke with XXXX. I was told that the program would bring me current status. My fees are very high. XXXX month fee. XXXX annual fee. Interest charge 33.65 % percent interest. I want this taken off my account and investigated.
Product: Debt collection

I signed up for a membership online, when they couldnt get my online information to work for Payment, they called multiple times a day, threatening to quit payment threatening to cancel my membership and now sending me attorneys at law letters. The Way they do business is unacceptable. I couldve just gone in and paid for the membership if they wouldve called nicely, but the harassment was out of control, and I never even used the membership because of them not receiving payment. I thought because they couldnt get the automatic payment to work that they were not activating membership. However Im being charged over {$300.00} for membership that was never used I believe it was never even activated, so it was never even used. I thought it was invalid because the payment never went through. All while they have been charging me fees and a monthly rate. They are crooks!!!!
Product: Credit card

One year ago I contacted American Express because I was not receiving statements in any form but I did receive a letter that a late payment was triggering a penalty APR. I called them indicating the problem and they could NOT confirm that they were sending statements but would drop the penalty and start sending me e-mail statements. Since then, I still do n't receive statements but did receive another penalty APR notice XXXX days ago. Over the past year I 've begun making payments electronically which is the only way for me to check balances. Under this scenario it is possible to miss a date but I take my credit rating seriously and check my account at least XXXX per month. Yesterday when I called they had a message saying to call back in 24 hours. Today a representative claims their system is down and they will call back. 
Getting a statement should not be too much to ask. It occurs to me that not providing statements is a convenient way to collect fees or indicates they do not have systems in place to meet basic customer needs. 
I have been a card member for 27 years.
Product: Credit reporting

I filed a police report for identify theft and a credit card account opened in XX/XX/2012 by capital one I never opened this account and informed capital one they could not provide a signed application where I authorized this account I sent them the police report and they still are refusing to remove this account from my credit reports I need your help to make them remove this fraudently account credit card
Product: Student loan

I signed up for the PSLF plan 7-8 years ago and have been paying monthly since. The loan has been transferred from Direct Loan to XXXX to FedLoan Servicing and my payments have toward my XXXX have not be recorded. On my current statement, I noticed that I have made 0 payments toward my XXXX, so it looks like they do n't even have me in the program. I called several months ago and was told that this information would be collected and updated. I have not heard back from them. I 've been paying for almost 8 years and my balance has increased due to interest and the payments have not been recorded. Any help would be greatly appreciated.
Product: Money transfer, virtual currency, or money service

I had sent money and it took it out 3 times on XXXX XXXX it was {$4000.00} in total
Product: Credit reporting or other personal consumer reports

I'm filing this complaint so that I can dispute these charges with all XXXX bureaus to remove this off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is in violation of the FCRA Summary of Rights for Victims of Identity Theft! TransUnion is showing hard inquiry from XXXX on my credit report from XX/XX/2020. Per the FCRA TransUnion is required to send me proof of who authorized this pull of my credit? TransUnion has failed to provide me with any written documentation such as the credit application with my signature and social security number on it ; showing who authorized this hard inquiry from XXXX? Per the FCRA XXXX is required to verify who actually pulled my credit on this day. Per the FCRA " I have a right to obtain documents that lead to the opening of a fraudulent credit account, '' ( such as the credit application. ) CFPB, please have TransUnion comply with the FCRA by having them to delete this unverifiable information from my credit report. Why is TransUnion continuing to report this hard inquiry on my credit when they have not provided me or the CFPB with the written documentation, credit application I requested? Where is TransUnion 's written proof of who authorized this hard inquiry from XXXX? Why has TransUnion refused to send me the credit application that the FCRA says I have the right to see and obtain? I need to be able to see why has TransUnion attached this hard inquiry to my social security number as an individual consumer?
Product: Credit card or prepaid card

Home Depot closed my credit card in XX/XX/XXXX due to inactivity. I did not receive any notification of this closing. I contacted Home Depot to reactivate my card and now they are unable to do so. I feel this is very unfair as I have no late payments or negative history with them. Please make sure you keep you card active or they will just close you down and offer no further solutions.
Product: Credit card or prepaid card

Its neen 3 months and Citibank has been unable or unwilling to resolve my disputed charge claim on a Wayfair Citibank Credit card. I have attempted to have this resolved and after 2 months, I received a message stating that my disputed charge had been resolved because I received a merchant credit. But, I have looked at my account and this is not the case. My account balance should currently be {$0.00}, but it is still {$320.00}. On XX/XX/2022, I made ONE ( 1 ) purchase from Wayfair in the amount of {$320.00}, however 2 separate charges of {$320.00} appeared on my account. I contacted Wayfair directly about this charge and they stated that their invoice showed only a single charge or {$320.00} and advised me to contact Citibank directly since the problem was on their end, which I did to begin the disputed charge process. I later returned that item and received a refund in the amount of {$300.00}. I then paid the remaining balance of {$13.00}. I have made ZERO ( 0 ) other purchases with my Wayfair credit card either before XX/XX/XXXX or after XX/XX/XXXX. Citibank continues to give me the runaround on settling this dispute.
Product: Credit reporting or other personal consumer reports

Ive sent an ID theft affidavit and police report to this company because they are reporting incorrect fraudulent accounts on my credit report. Ive disputed and sent in multiple letters over a long period of time with no response or the removal for fraudulent account from my credit reports. I even asked this company to send me the original contract with my signature and they have not done so.
Product: Debt collection

I called and spoke with a XXXX sales rep in XXXX regarding mice in our pipes. The sales rep assured me that they could take care of the problem and asked me to sign a form so that they could make the appointment. He assured me that we could cancel any time without a fee. The service person came on XXXX and left traps ( which we had already done ourselves ) and did not investigate the source of the problem or provide any answers. In short, they did not perform the service we had hired them to do. 

My husband received a bill for an outrageous {$150.00}, which he paid in full upon receipt, but called to express our disappointment and asked that they come out and perform the service we requested. They refused unless we paid for an additional visit. 

In XX/XX/2025, they sent us an additional bill for {$450.00} that they called a " cancellation fee, '' in direct contradiction of the sales person 's promises to me. My husband emailed and called several times to discuss the matter, and XXXX ignored all our attempts to resolve this fraudulent bill. As a last straw, then sent us to collections for services that we never rendered! 

When I turned to XXXX and XXXX to leave reviews warning others for their own protection, I discovered dozens upon dozens of customers having been similarly deceived by this company 's predatory business practice. One elderly man said they even sued him following their lying scams. Another woman shared that when she refused to sign, XXXX signed for her. When I posted photos of these reviews in local XXXX groups to warn other mothers to keep these scammers out of their homes, dozens of other families who have been likewise scammed responded OVERNIGHT. 

This company is clearly profiting off of lying to and scamming residents all across our city. I have never encountered a business so scandalously and egregiously violating the trust of so many of its customers. It is a wonder they have any business left at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 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. The following Accounts : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are inaccurate and they are in violation of my rights according to the FCRA XXXX XXXX XXXX XXXX These credit bureaus EQUIFAX XXXX XXXX have failed to verify these accounts after disputing this issue with them directly.
Product: Student loan

This concerns XXXX XXXX aka Pennsylvania Higher Education Assistance Agency ( PHEAA ) I am concerned my loan payments are not being applied properly for XXXX XXXX XXXX XXXX. I have been paying off my loans since XX/XX/XXXX  primarily under income based repayment, however, there have been  short periods of time I paid the full amount each month. At that time, I was actively seeing employment in the private sector and anticipated leaving public service so I wanted to begin paying the full amount. I remained in my public sector position, though, and the period of time I paid under Standard Repayment was less than a year. Out of the 8+ years I have been paying my loans, I would say 3/4 of them were made under a income based plan. 
When I began paying off my loans in XX/XX/XXXX there was no paperwork or forms associated with XXXX, but I completed the employment certification form later on. I have worked for the same employer ( a government agency ) since XX/XX/XXXX so there is very little confusion as to the status of my public service employment. 
I was switched from XXXX to XXXX XXXX a few months ago. 
I was checking on my payment numbers on XX/XX/XXXX and feel they are inaccurate, as they only reflect a fraction of the payments I have made over the past 8 years. I called customer service and was informed ONLY payments made under an income driven plan " count ''. It clearly states the following on the XXXX website and I quoted this to the customer service agent : " NOTE : Payments you make under a 10-year Standard Repayment Plan or under any other XXXX XXXX XXXX repayment plan with payments that are at least equal to what you would have been required to pay under the 10-year XXXX XXXX plan also count toward PSLF. However, you must switch to an Income-Driven Repayment ( IDR ) plan, such as XXXX, XXXX, XXXX, or XXXX, to benefit from XXXX. Otherwise, you would have no remaining loan balance to be forgiven after making 120 payments. '' ( Rest assured, I have plenty of balance still left ). 

The customer service rep continued to dispute the information I was reading to her from the website. Customer service told me I can have my payments reviewed, but this process will take 6-8 months. This is completely unacceptable. I then filed a complaint with the XXXX XXXX office for XXXX and received an automated email stating an " expedited '' review of the case would be completed. There was no timeframe given for follow up or resolution. It is now 6 weeks later and I have received no further information from XXXX. 

Given the threats by " our '' : political leaders to end to the XXXX   program, I am making every effort to ensure my issues and difficulties are clearly documented.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Hospital and XXXX XXXX XXXX sent a bill to XXXX XXXX XXXX who sent it to XXXX XXXX XXXX.. Each time they put it on my credit report with an updated date making it look like a new debt. I have supplied documentation proving it is not my debt but a case of identity fraud. I have asked to have the account taken off my credit report but it is still there. XXXX XXXX XXXX in complaint # XXXX sent a request to all three credit agencies to remove the collection account from my credit report on XX/XX/18. To date it still remains on my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXXXXXX XXXX  account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX  Account # XXXX have blatant inaccurate information and according to the FCRA statute 15 U.S.C . 1681s-2 ( A ) ( 1 ), 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX XXXX XXXX, violated my rights. 


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 an 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 seven years.

15 U.S.C. 16815-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To : Synchrony Bank re : all accounts I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Product: Vehicle loan or lease

I had 11 months left to pay off on a 5 year loan with Wells Fargo for my XXXX XXXX. I spoke with a representative about a late payment which we came to an agreement for me to pay {$800.00} out of the {$1600.00} that was owed which I did. I was contacted my Wells Fargo at my job several times about my vehicle was scheduled for repossession. Even after I told them about the payment arrangement. One day they called my cellphone and stated that I lied about my place of employment because they went to repo the vehicle and couldnt locate it. I explained to the person on the phone that there are several courts in the county that I worked in but still didnt understand why my vehicle was being repossessed after paying what was agreed upon. The person continued to explain that they didnt want the money any longer and wanted the vehicle. They explained that they have refunded the {$800.00} I paid via a check in the mail and the vehicle WILL be repossessed and legal actions will be taken if I dont comply and return the vehicle. I was so confused and scared that I left the vehicle outside of the garage one night and sure enough the next morning it was gone and a week later a received a check for {$800.00}. Later they told me they sold the vehicle for {$9000.00} and that I need to pay for the difference. I didnt do it. Needless to say is I had less then a year to pay off the vehicle after paying for it for 4 years. This really devastated me. It was placed on my credit report as a repossession. It made it difficult for me to purchase another vehicle. Once I was able to obtain another vehicle I had to start all over again with a 5 year loan. I received an email some time ago about the lawsuit but never heard anything from anyone about the outcome. Please contact me either way.