23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I over paid this credit card by {$350.00} when paying it off and they tell me after I contacted them that I can expect a refund check within 60 -90 days. This is usury. If I am even one day late in payment I get hit with interest and late payment fees yet they get to keep my money for up to 90 days! This is unacceptable.
Product: Credit reporting or other personal consumer reports

My identity was compromised and I'm trying to get things cleared up with certain things on my credit report to where it should not be on there anymore This complaint is for the major credit bureaus XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX sign Subject : Request for Investigation Dear major credit bureaus listed above. 

I hope this message finds you well. I am writing to address the recent lawsuit filed against XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, on XX/XX/year>, and to request your cooperation in conducting a thorough investigation, as mandated by the Fair Credit Reporting Act ( FCRA ). 

I would like to emphasize the importance of not accepting findings from furnishers who do not provide comprehensive results of their investigations. I kindly ask that you send me the detailed findings via mail, rather than through your online portal. 

Additionally, I request that you remove the disputed information within the 30-day timeline stipulated by the FCRA, as it is critical for compliance with federal law.

More specifically Capital One inquiries Thank you for your attention to this matter. I appreciate your prompt assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a load with Netcredit. I was overdue for XX/XX/XXXX installment by partial amount by {$220.00}. I paid that along with current installment for XX/XX/XXXX on on XX/XX/XXXX. In worst case i was 17 days overdue for {$220.00} as of XX/XX/XXXX. But Net credit immediately reported that as 30 days overdue for XX/XX/XXXX payment which is current month. I had 5 years and 10 months continuous streak zero missed payments in my credit report for 23 plus accounts with FICO credit score in upper Fair zone. With this falsified information the credit score went down to poor region. For my job scenario there is a background check going on. It failed as i had poor score ( Minimum they expect is fair ). I called netcredit and they ask me to send the credit report page. I sent the page for whatever they have reported. Then i called multiple times. They request for credit score page. I sent the experian extract for day before they report and day they reported which showed clearly the score went down because of them. I also called the customer support and confirmed they have all information to proceed with tier analysis. I also informed them the importance as this hurts my profession. after nearly 7 calls in 3 days when i called yesterday they said they are waiting for 90 plus page XXXX report ( full ). I don't know why they need it. Then i sent the full report both for the day before they reported and report for the say they reported with only their wrong information reported impacted. I was told i will get a response in one hour. When i called after a couple of hours later it is closed. When i called today morning first they mentioned it is different department working on that, they spoke to their manager and i will get a response before EOD. I sent a reminder in noon as i am desperate. When i called in evening they started again from zeroth call. They told it will take 7 days and all the 10 plus calls i made people provided me wrong information. When i asked how come some one says particularly i am running in minutes the representative says i am cursing them when i asked why it was misinformed. Then i asked can speak their manager i got blunt response they are not there. Literally the customer support specialist says it is your problem and not their liabilities. Worst thing is i paid nearly 35 installments for them and paid nearly more than 200 % of the principal. Never missed a payment by 30 days. And this is the response i get we report anything that is your problem.
Product: Consumer Loan

See attached document for full story and facts. 
Additional document includes the XXXX extension contracts the first on for XXXX XXXX XXXX for 10 months in XXXX and the second on for XXXX XXXX XXXX for 23 months in XXXX and XXXX. Next are the XXXX original lease contracts for each car as stated above. I meant to have them in different order, but has been very hectic and stressful. I scanned at XXXX Library due to my movers stealing my brand new printer. I realize now I might like to provide additional docs for ledgers I discuss and advertisement mailed to me b XXXX XXXX for a set lower payment to purchase for 60 months then what quoted me for XXXX that only had an MSRP difference of a XXXX. XXXX attempted to defend in State Agency complaint in XXXX. I have copy that XXXX XXXX attempted to provide the State Agency that has actual advertisement cut off, when only showing body of letter portion. I will contact about how to provide that information further for your Agency. It was a lot to write about due to so many procedures I put in place that XXXX kept stopping. XXXX XXXX in XXXX AZ did n't think it was proper when hearing XXXX XXXX approved me with my daughter as cosigner for a new lease, but then refused financing to purchase my four year leased car instead. Therefore, XXXX XXXX in XXXX, AZ said we 'll get this done tonight or by tomorrow, but was stopped by XXXX XXXX and apparently the reason for the illegal taking of my car after failing to fax a payoff letter to XXXX Bank to purchase the car.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant documents.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an issue with XXXX and Experian, which has caused significant stress and concern about my personal information. In XXXX, I received an alert from Experian notifying me that my personal data was found on the Dark Web. However, when I tried to access my credit reports in XX/XX/XXXX, Experian informed me that I could not access my reports from all three credit bureaus because XXXX had no record of my credit history. I then reached out to XXXX directly to confirm the information on file. After visiting the XXXX data breach website and entering my personal details, I was informed that my information had been compromised in the breach. Despite this, I did not receive any prior communication from XXXX informing me of the breach or the potential risks to my data. This lack of notification and the subsequent difficulty in accessing my credit information has caused significant distress. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated by both XXXX and Experian, as I have not been provided with the necessary consumer protection or information regarding credit profile. I am requesting assistance in addressing these concerns and ensuring that my rights are properly upheld. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a mortgage loan assistance. I turned in all the documents and still haven't a problem. Every time they ask for something i get it within XXXX hours. They fail to print all the documents out and give it to the underwriter. I submitted the documents on XXXX. I was told they have the gas bill and the letter stating that I am not receiving unemployment benefits. I sent XXXX loss and profits statements in the same email and my file was turned over to the attorney to put foreclosure fees on my account. I am a XXXX worker in my state and I am XXXX. I am not being help because of my XXXX and XXXX.
Product: Mortgage

I filed a complaint against Ocwen XXXX weeks ago in response to the XXXX dispute. 
Complaint # XXXX. Ocwen has continued to ignore my request to remove inaccurate late reporting on acct. # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my personal credit report ( s ) online in XX/XX/XXXX and saw where AMEX reported to credit bureaus XXXX and XXXX that I owed them {$13000.00}. I then spoke to AMEX on the phone to clear the matter up to no avail. I gave them my name, social security number, and the partial account number listed on credit reports and was told that there was no error. I reiterated to them that the amount owed was not my debt and that they should close the account and remove this delinquent status from my credit report.

Since speaking with AMEX, I continued to monitor my credit report ( s ) and then decided to put my dispute with them in writing via certified mail on XX/XX/XXXX. During this time the amount owed grew to {$14000.00}. I requested validation, that was competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I further requested that if they could not validate the debt, they must have all credit reporting agencies delete the entry.

AMEX responded on XX/XX/XXXX where they listed the account identifier ( account number ) as XXXX  and stated that my return address does not match the address in their records and that they needed additional information to respond to my request.

After reviewing my credit report ( s ) for XX/XX/XXXX, I noticed a comment under the AMEX entry that stated, Account closed at consumer 's request and dispute investigation completed ; consumer disagrees. I wrote to AMEX again on XX/XX/XXXX asking for evidence as well as the name, address, and telephone number of each person who personally verified the alleged account so I could inquire about the process since they failed to present any proof bearing my signature.

I received no response to date, and they have since reported that I owe {$14000.00}. The Payment History for this account starts at the month of XX/XX/XXXX and is marked C for collection. No other payment history is listed before XX/XX/XXXX although the report states that the account was opened in XX/XX/XXXX and the highest balance at one point was {$26000.00}. Prior to XX/XX/XXXX, AMEX was never listed as an account on any of my credit reports. I am now suffering hardship in obtaining credit due to negative credit reporting and a significant decrease in my FICO scores. I have sent dispute letters to XXXX  and XXXX as well on XX/XX/XXXX and XX/XX/XXXX to no avail.
Product: Money transfer, virtual currency, or money service

I used PayPal to send funds to a person in XXXX. The locked his account so he could not access the funds sent. When I complained to them, they noted that the funds were transferred, but they will not release the funds. 

I have contacted them to either release the hold on the funds, or return them to me as they have not completed the transaction as agreed. They have failed to do either and are utilizing " Bots '' to chat with me instead of a human. 

This is rather frustrating as I have been using PayPal form many years and now this situation is a huge concern. It is at the very least Fraud. These funds have NOT been release to the recipient, and I have had to wire them additional money due to PayPal not following through on their promise. 

Simply put, they either need to release the hold on the funds, or they need to return the funds to me including the fees paid because the service has not been provided.
Product: Money transfer, virtual currency, or money service

I am a small business accounter holder with Wells Fargo. On Tuesday XX/XX/2021 I've sent a wire to my supplier in XXXX XXXX. It was an online wire transfer like many times before. This time for some reason the intermediary Bank ( New York  XXXX  XXXX XXXX ) got the wire transfer information missing the account number of the beneficiary. New York  XXXX  XXXX XXXX contacted Wells Fargo asking for the missing information. As of today, XX/XX/2021 Wells Fargo has not contacted the New York  XXXX  XXXX XXXX with the missing information. Last Friday XX/XX/2021 after figuring out what was going on I contacted Wells Fargo with the help of my branch manager and they started a claim. Case id # XXXX and they told me it could take 5 business days. Today after calling they told me it could take 10 business days due to backlog. My complaint is that all I need is someone to contacted New York XXXX  XXXX XXXX with the missing information already provided. This would take a couple minutes. This was a mistake not caused by me but a glitch of some sort. I don't think it is fair that a wire of US {$34000.00} that is going to be used to purchase goods to be on hold just because Wells Fargo does not have the competency to fix a very simple to fix problem. Thanks for your time. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all the credit bureaus on XX/XX/2023 in regards to unauthorized and invalid accounts, inquiries, and personal information that have been reported on my account due to identity theft. I attached all my supporting documents and even reached out to the creditors. The creditors were no help and couldn't even find my account which is upsurd. No one has followed the law throughout this process, I requested the steps on how these fraud items were investigated and no one has done so, As a consumer I know my rights. Per 15 usc 1681b this is against the law and i need all the items removed immediately or else I would be forced to take legal action. I will give the companies one more have to resolve this matter THE RIGHT WAY!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

In a previous complaint # XXXX I filed with the CPFB on XX/XX/2021 I was awarded non-monetary relief by the Capital One Credit card company. They responded to my original complaint by stating they would reinsert the credit card account ( ending XXXX ) in my XXXX credit file. 
My complaint is that the tradeline was NOT reinserted in my XXXX credit report and therefore did not do what they said they would do. 

I have attached the previous complaint and a copy of my XXXX credit report.
Product: Money transfer, virtual currency, or money service

I submitted a complaint yesterday regarding same problem, however over night I received more money to account. I had several messages from support saying that the problem with cash cards had been fixed and cards were working as should. Also received message saying cash app was back online and working properly. I attempted to cash out but said it failed, attempted to send to someone, said could not be completed, attempted to pay for something said it was declined. I contacted support was told they were sending to specialty team they would be in contact. Told them I had been told that for over week now yet no one had contacted me and demanded my money. Made them aware I had filed several complaints and filed a police report. They thanked me for information and said let them review my account. Nothing more.
Product: Mortgage

I have been working on this issue for over a month now. I was on a forbearance due to Covid from XX/XX/XXXX to XX/XX/XXXX. I opted to stop the forbearance and pay the past due payment in full. The bank was requesting {$30000.00} to bring the account current for the XX/XX/XXXX payment which need to be paid by XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX I paid LoanDepot a total of {$30000.00}. That's {$26.00} more than what was requested. After many hours over the past 30 days in trying to find out why the bank still considers me a month past due I was informed by a rep on this past Monday that LoanDepot double applied monies to the escrow account and now refuses to move those monies that were misapplied to the escrow account to the payment side to bring the account current. Their action will be reported as a late on my part to the credit bureau when the only reason for me still owing them money is due to their misapplication of my monies. How is a banks error my fault. They want another {$2000.00} from me in addition to {$1300.00} they are holding in suspense to bring my account current whey they have all the monies from in their possession to bring the account current. Collections has called and harassed me every 2-3 days over the past month. Customer services sees the error made by LoanDepot but claims a manager refuses to release the funds from the escrow account to remedy the error they have made. An error, if not made, would mean the account is completely current. I have provided bank statements, account registers, and an excel spreadsheet as evidence I have paid every penny I owed in full.
Product: Credit reporting or other personal consumer reports

Nelnet, the loan servicer, is unfairly impacting my financial well-being and directly violating my consumer rights. When I took out a student loan to help fund my education, I was informed that my loan would be deferred if I ever faced financial hardship. As someone who works hard to maintain a strong credit profile in preparation for homeownership, I take my financial responsibilities seriously. 

Last month, Nelnet reported my loan as 90 days late, even though the month prior, my payments were on time. How is that accurate? Upon discovering this, I immediately reached out to Nelnet, paid my past-due balance, and requested a one-time forgiveness adjustment, as I was never informed that my loan was no longer in deferment. Had I known, I would have made my payments on time as agreed. 

However, a Nelnet representative informed me that nothing could be done regarding this unfair credit reporting. As a direct result, my credit score dropped by over XXXX points, significantly impacting my ability to access financial opportunities, including homeownership. This is not only unreasonable but also a direct violation of my consumer rights. Lenders and loan servicers have a legal and ethical obligation to provide clear and accurate information to borrowers, and their failure to do so has caused undue harm to my financial standing. 

After further research, I found that this isnt the first time Nelnet has faced accusations of predatory practices. In the court case XXXXXXXX XXXX XXXX XXXX Nelnet XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX they were accused of similar misconduct.

This situation is both unfair and damaging to my financial future. Nelnet must be held accountable for its misleading practices and failure to properly communicate critical information that directly impacts consumers. No borrower should have to suffer a major credit score drop due to a servicers negligence and lack of transparency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Acc # XXXX has violated my rights 15 USC 1681 Section 602 states I have a right tp privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Identity theft fraud Refunds XXXX account/ XXXX and others XXXX
Product: Debt collection

I applied for an apartment in the XXXX XXXX XXXX conn. The credit reporting agencies do not have me down on their credit reporting sites. The apartment complex used a third party to check my credit reports. A debt collector in XXXX. Fla Client Name Date Last Active Orig. Amount Balance XXXX XXXX XXXX XXXX Applicant ) Collection Agency - XX/XX/XXXXCO XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX {$390.00} {$390.00}. The above information is all I got from the rental agent that recieved the debt collectors report that I owe XXXX XXXX XXXX. I do not owe any money to XXXX XXXX XXXX. I spoke to the debt collection agency and they are reporting an eligitimate debt. This of course has caused me great harm both monitary and i 'm currently on XXXX trrying to get a job. After talking to them they were unwilling at first to supply and dated information or a copy of the documents submitted by XXXX XXXX XXXX. Then he provided a false date so that it protects him from reporting and old date obviously. Unless he takes the fraudulently created debt it prevents me from obtaining a place to live. Again all three major credit reporting agencies do not have that debt on their files. otherwise it would have been there if I had owed XXXX XXXX XXXX Money. The debt collection agency is committing fraud and has hurt me financially and has prevented me from abtaining employment i would suspect.
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the removal of the consumer to whom it relates. 

If these accounts are not removed I will be reporting you to the BBB, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency and pain and suffering.
Product: Money transfer, virtual currency, or money service

I have a fraudulent transaction for the amount of {$300.00} that was posted on XX/XX/2022. Upon noticing this charge, I reported it to PayPal on XX/XX/2022. It has been a month now and I have not received a resolution from PayPal, nor have they credited my account while they conduct their investigation.