23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Regarding Wells Fargo, XXXX XXXX credit card number XXXX that is apparently 8 days late. According to Wells Fargo I missed the last payment of {$46.00} due on XXXX/XXXX/XXXX. Payment history is XXXX/XXXX/XXXX - {$50.00}. XXXX - {$100.00}. XXXX/XXXX/XXXX - {$100.00}. XXXX/XXXX/XXXX - {$92.00}. The XXXX XXXX payment according to my records was the last payment due to Wells Fargo. 

On Sunday, XXXX/XXXX/XXXX while eating dinner with my family I received a call from Wells Fargo representative XXXX ( ID # XXXX ) attempting to collect the debt of {$46.00}. To my astonishment I quick signed into my online banking portal to assess why this past payment was not made. After explaining to XXXX that according to my records all payments were made ands the debt was satisfied he declined to waive {$240.00} in penalty interest. I requested to speak with a supervisor, XXXX ( ID # XXXX ) who also failed to make any exceptions to the penalty interest. 

After learning the last payment of {$46.00} was accidentally not sent, I immediately triggered a payment to be sent on XXXX/XXXX/XXXX however this was not satisfactory to XXXX or XXXX. This is the fleecing of America. 

Respectfully requesting regulatory support to identify a genuine honest mistake for the relief of {$240.00} in penalty interest. 

This is simply not fair. Anyone with common sense will see that this was a genuine mistake.
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.

has violated my rights. Or a list of inquir

ies : 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 seven years.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous CFPB Complaint : XXXX Credit bureau is FALSELY reporting " Serious Delinquency '' on my credit report when all of my accounts have been in good standing for 7-10 years. 

The term " Serious Delinquency '' is erroneously used and represents defamation of character, as this false information affects my credit worthiness and credit score. 

I've attached screenshots of what I am referring to, where it shows TransUnion is erroneously reporting serious delinquency, and has recently dropped my FICO score from XXXX in XX/XX/2018 to XXXX currently when my report has not changed.
Product: Credit reporting or other personal consumer reports

I am dissatisfied with Edfinancials response to my complaint for the following reasons : No Investigation into Alleged Breach : Edfinancial dismissed my concern about unauthorized data compromise without providing evidence of internal reviews, security audits, or confirmation that my information remained protected. Their blanket denial lacks credibility without transparency. 

Failure to Address Contract Nullification : My complaint argued that a breach of confidentiality voids the loan agreement. Edfinancial ignored this, instead redirecting to unrelated discharge programs. Their contractual obligations as an ED servicer include safeguarding databreaching this duty should have legal consequences.

Misleading Legal Interpretation : While FERPA and the Privacy Act may not explicitly authorize loan discharge, they mandate accountability for mishandling data. Edfinancials role as a federal contractor does not absolve them of liability for breaches that harm borrowers.

Requested Actions : Direct Edfinancial to disclose specifics of their data security measures and any investigations into potential breaches affecting my account.

Collaborate with the Department of Education to determine if Edfinancials actions ( or inaction ) violated their contractual data protection duties. 

Escalate this complaint to the XXXX XXXX  with a focus on the privacy breachs impact on the validity of my loan servicing. 

Privacy breaches erode trust in federal loan programs. I urge the CFPB to ensure servicers like Edfinancial are held to the highest standards of accountability. 

COMPLAINT ID XXXX contains the information of my first complaint. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I first received a debit card that couldnt activate from XXXX XXXX XXXXXXXX. I never applied for this card. Yesterday I received a letter that I was declined for a credit card with Nordstrom that I also never applied for. And it has caused my score to drop tremendously.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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: Checking or savings account

I opened my new checking account with Citi Bank in XX/XX/2018 and met the requirements for the promotion offer of XXXX . It has been more than 6 months and I have not received any bonus. I called the customer service several times in the past few months but no any response. I request the Citi honor its promotion offer as advertised.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against Experian regarding my inability to access my credit report, despite multiple attempts to do so. 

As a consumer, I understand my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to access my credit report. I have made several efforts to obtain my credit report from Experian, including calling, emailing, website submissions. ( dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

However, despite my efforts, I have been unsuccessful in obtaining my report. This has caused me significant inconvenience and concern regarding my credit status. 

I request your assistance in addressing this matter. I believe Experian is in violation of the FCRA by not providing me with access to my credit report as mandated by law. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

I pulled my credit report and saw that I.C System, INC placed and collection of {$260.00} on XX/XX/23 on my credit report. 

" I'm unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the CertifiedMail Receipt with my signature. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquiries have been made on my credit profile between dates of XXXX XX/XX/2022 I have reached out to all creditors to get information deleted and there has been no response I have provided the credit bureau with proper documentation stating that the inquiries are ongoing and they need to be deleted but I have not received any response. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute letters certified for transunion, experian, equifax and have not received result status nor any response. The date for my dispute letters to all company 's is XX/XX/2021 it has been more than 30 days at this point and I have talked with them to dispute everything because FCA 30 days non response. Every letter has date and information in yellow which I disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I despise it! I've already spent months sending disputes and filing complaints, but I'm not seeing any results. This is causing me a great deal of pain and stress.
Product: Debt collection

Enhanced Recovery Systems has taken on a debt that is not owed to them. Pursuant to 15 USC 1692 ( g ), neither Enhanced Recovery Systems nor XXXX XXXX has ever sent me the 5 things that are needed to validate a debt. The company chose to instead assume that I, the consumer would agree to this debt. I do not agree that this debt is mine and believe I am owed compensation for failure to properly notify or authenticate. 

Company is in current violations of the following : -15USC 1692 ( k ) -15USC 1692 ( g ) -15 USC 1602 ( f ).

Should this company not remove these delinquencies from my credit profile, I will have no choice but to sue both Enhanced Recovery systems and XXXX XXXX. 

Company has never done business with me or anyone of my name or likeness. 
Company has repeatedly denied disputes to have this removed from my credit profile.
Product: Debt collection

My daughter, XXXX XXXX, and I were in an annual contract with XXXX XXXX for XXXX XXXX XXXX XXXX, in XXXX, NC XXXX for the year of XXXX. Once the annual contract was over, the apartment was released back to XXXX XXXX on XX/XX/XXXX fully cleaned except for a large bed frame that I was unable to remove due to me being XXXX. I traveled to North Carolina from Alabama and spent 15 hours cleaning the apartment and made a video of the final view of the apartment before I left and placed the key under the rug at the front entrance of the office as was requested by XXXX XXXX. 

XXXX XXXX then sent a ledger stating that there were charges to the apartment including the damaged front door from an emergency fire event in XX/XX/XXXX, the large bed and frame that was left there ( which I did advise them of ), the loss of my security deposit, and their decision to replace the ENTIRE carpet in the apartment based on recommendation advice they received from the maintenance department that the carpet was not 'salvageable '. In addition to the video I made, I have proof that the payment for the door to be replaced was paid for by the XXXX of XXXX. In the video that I took, there is further proof that the carpet was intact. 

During the season of COVID 19, my daughter lost her job but was able to get financial assistance from XXXX XXXX for the month of XXXX through XX/XX/XXXX in the amounts of {$4400.00} and {$3600.00} which was paid to XXXX XXXX via check and also one direct deposit for the latter amount. Although attempts were made since XXXX to dispute the final ledgers, both my daughter and I received a collection notice in the mail from FCO ( Fair Collections & Outsourcing ) for a total amount due of {$6400.00} which is incorrect and fraudulent. 

In an attempt to have these fraudulent charges removed from our 3 credit reports, we contacted XXXX many times since XXXX to send proof of payment ; we finally received the proofs of payments on XX/XX/XXXX. Although I sent an email to FCO the following day and attached the proof of payments from XXXX, FCO sent me an email today, XX/XX/XXXX ( upon my request of an update ), that states that we still owe the debt. Again, this is invalid and fraudulent, so we are adding FCO to our lawsuit against XXXX XXXX in that this issue has caused both of us to lose out on credit opportunities for more than 1.5 years, emotional and financial damage, driving expenses, our security deposit, false reporting to the credit agencies and undue stress.
Product: Credit card or prepaid card

APPLE CARD MARKETING SCAM. Apple Card XXXX ( i.e. Goldman Sachs ) has incorrectly advertised how Apple Store Installments are utilized within your Apple Card balance & all payments that you make towards your " installment '' product purchases will NOT go towards the balance of the installments- but rather, Apple creates a fake " credit '' on your account - therefor keeping the balance high on your card. Also... Goldman Sachs & Apple are NOT the same team. They don't talk to each other and look at completely different systems in troubleshooting any issues you may have with your " Apple '' Card.

Apple Card 's whole marketing lure is that if you apply for the Apple Card you'll qualify for 12 or 24 month 0 % Interest. However, what they don't tell you is that when the purchase is made within an XXXX XXXX, the XXXX XXXX Employee MUST choose installments before finalizing the purchase... otherwise, the product won't qualify for the 12 or 24 month 0 % interest program. Most employees, store managers and even Apple Card remote representatives are unaware of this purchase qualifying process. So if you're like me, you have {$9000.00} in purchases that were incorrectly allocated- and re-allocating them into a 0 % interest program is virtually impossible. 

Now ... when the purchase is finalized, there is no way within the XXXX XXXX to go back and re-allocate the product into a 0 % installment plan. How do I know this? Because Apple 's " backend team '' has been trying to re-purchase my product virtually to re-allocate the XXXX XXXX I purchased with my Apple Card into a 0 % installment plan. But because Apple doesn't speak with Goldman Sachs, it's flagging Goldman Sachs Fraud Department. So now Goldman Sachs has locked my card preventing any other product purchases because of what APPLE is doing. 

Now for the worst part... If you have any products allocated as " installment plan '' purchases with Apple ( i.e. XXXX XXXX for 24 Months 0 % Interest ), any future payments you make WILL NOT go towards the balance of the Installments. Apple ( or Goldman Sachs ) has decided that you'll get a " credit '' on your Credit Card. Basically, no matter how much you pay towards the balance of your credit card, it will not bring the balance of the card down. This keeps a high balance on your " credit card '' and reports as such to all the bureau 's as such. Conveniently, Apple doesn't report the " credit '' they've placed on your card to the bureau 's - therefor greatly affecting your credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. XX/XX/XXXX I received this response : The company that reported the information has certified to XXXX that the inofrmation is accurate. This item was not chaged as a result of our processing your dispute. Pleasereview your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, they also directed me to their website which states the same : http : //www.alsb.uscourts.govXXXX. Yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the bankruptcy court of XXXX, AL listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, with 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 an account without my written instructions
Product: Checking or savings account

I bank with American Express Serve. 

{$1000.00} dollars was stolen from my account via fraud over several weeks in XXXX in varying increments. I have never had any dealings with the company involved XXXX XXXX XXXX or ever heard of them. I followed their procedure as listed by American Express Serve, and reported the fraud, them submitted paperwork attesting that the charges were fraud. 

I was surprised that the fraudulent charges even went through, as I can not shop at XXXX with out American Express Serve denying the transaction and requesting authorization that it was authorized. 

My case has been denied twice with no explanation, and a note stating that I would have to write a letter requesting the reason for the denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer report I noticed that two new accounts were reporting negatively on my report. I have no knowledge regarding any of these accounts. This negative reporting is problematic because now I'm unable to apply for any type of credit and what adds insult to injury I did not open these accounts. I have made all reporting agencies aware of this identity theft issue and they irresponsibly reported this harmful information. I have tried address this matter but nothing was resolved. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX ), XXXX  XXXX XXXX ( Account # XXXX ) has violated my rights. 
15 U.S.C 1681 SECTION 602 A states I have a right to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2 also states a consumer reporting agency can not furnish any account without my written instructions.
Product: Credit card

I applied for a Macy 's store card in XXXX 2015. The card was mailed to my home address and before the card reached me, it was stolen and someone made fraudulent purchases worth XXXX of dollars on my account. I have been following up with Macy 's for the last 8 months, provided them information on the case filed, the investigator 's name and contact and the name of the person responsible for the identity theft and yet Macy 's has not taken any corrective action. Every time I call the customer service, I spend XXXX XXXX on hold only to hear their standard reply that the case is pending investigation and will take 60-90 days to resolve. Despite all of this, Macy 's went ahead and reported the transactions to the Credit bureaus and my credit history is ruined. I want the fraudulent charges to be taken off my credit report URGENTLY as I 'm applying for a new apartment lease on XXXX XXXX 2015. The leasing company is going to run a credit check before they approve my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact transunion multiple times regarding an account that doesnt belong to me. The name of the creditor is XXXX. I have requested for a copy of this contract or proof that Im the owner of this account. However, creditor nor transunion can provide this. They also reported that the account was closed on XX/XX/2023 but thats false. I would like to have this account reviewed and proof of ownership provided to me. If not, please have this account deleted from my report.
Product: Credit reporting or other personal consumer reports

I have recently tried to borrow some money and discovered that I had two delinquent payments reflected in my credit report. The report shows payments XX/XX/year> and XX/XX/year> as delinquent over thirty days. This information is untrue. I have tried to contact the company and told them the situation, and was referred to submitting an email to a research department, wherein I explained the situation. 15 days later I got a standard reply that the issue had been corrected. Since then I have not been able to contact them at all! 

I then tried through XXXX, to start a complaint with them and they said it would be 30 days. Well it came back with the same standard form that this issue had been corrected in and updated. But in subsequent reviews the payment information that I described above for the two months, what still showing delinquent over thirty days. 

This error is preventing me from getting a loan I very much need! 

These errors occurred during a time I was made a special agreement to pay a missed payment from XX/XX/year>. The was to repay this missing XX/XX/year> payment over three payments made during XX/XX/year> XX/XX/year> and XX/XX/year>. I made all the payments and was told that the agreement was satisfied, and that all my credit reporting would show as normal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX have reported fraudulent info on my consumer report that need to be removed immediately.
Product: Credit card

Hi, XXXX of my credit card charged deferred interest rate after 1 year of 0 % APR. In the beginning they said 2 year 0 % APR and later the later they said 1 year 0 % APR and at the end of 1 year of promotion. They charged around {$1900.00} as interest in my balance as deferred interest. Can they charge that high as deferred interest? I have never heard of it. 

Thank you
Product: Student loan

Premier Student Loan Center contacted me about consolidating and loan forgiveness. They said they were authorized by the Dept of Education to work with me on getting my loans forgiven. I trusted these people and they have all my information which Im afraid they will use to steal my identity and drive me further into debt. Please stop these people from preying on hard working Americans! This is evil and criminal. The number for the company is ( XXXX ) XXXX. The rep is named XXXX and the company is located in XXXX, CA. Please help me!
Product: Credit card

The Last Time I used my Capital One credit card was XX/XX/XXXX. I had run into health issues and was unable to make the payments early XXXX. 
The Capital one Bank has sold this debt as of recent and it is time barred and showing on my credit report and the company they sold it to is harrasing me to no end. This is after the company never provided proof of debt. The only other thing it may be is from a bankruptcy I had a XXXX  XXXX in XXXX. Either way both are time barred and no longer should be on my credit report. This other company keeps taking it down and putting it back on my report.