23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year> I transferred {$720.00} which totaled to be {$710.00} after the instant transfer fee ffrom my apple account to wells fargo. the next day wells fargo reversed the deposit because they thought it was fraudulent. I have been back and forth with XXXX and wells fargo. XXXX still has not received my money. Wells fargo refuses to provide any proof the funds were returned. The case was escalated to wells fargo excutive office. I have not received my money back yet. It has been well over a month and wells fargo is refusing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, and XXXX XXXXXXXX XXXX # XXXX has violated my rights. 15 XXXXS.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
Product: Checking or savings account

Navy federal was wrongly over drafting and delaying posting payments.
Product: Debt collection

I spoke with this company back in XXXX of this year and informed the that this medical debt is not mines. CAPIO PARTNERS LLC. Wilfully added this item on my consumer report with out my knowledge. Not only did the company put the item on my consumer report this is a hippa violation no medical debts can be reported on any one consumer report. They also stole my identity because i do not know who this company is and i have explained to them that i do not know them and they still placed someone else medical problems on my consumer report. They have violated so many federal violations including hippa, the privacy act of XXXX, and many more federal violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention, after reviewing my online credit bureau report, that continued requests for removal of items that have not been authorized by me are still entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. This is an immediate, fifteenth request for removal and blockage of incorrect information. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me.
Product: Vehicle loan or lease

I leased a new XXXX XXXX XXXX on XX/XX/2018 from XXXX XXXX XXXX in XXXX, NC. I traded in a XXXX XXXX on that same day. The finance manager didnt tell me to stop payment on my XXXX XXXX that would run on XX/XX/XXXX. I figured that was not necessary because I was dealing with XXXX XXXX  with both leases. After the payment did transfer on XX/XX/XXXX for the XXXX XXXX  that I didnt own anymore I called XXXX to talk with them about this and make sure I would get a refund for that amount. They assured me it would be refunded. On XX/XX/2018 I called in to XXXX XXXX to set up an online account to make the payments come out automatically for my XXXX XXXX XXXX through our checking account. I set up the account, made the new payment for my XXXX XXXX and then asked about the status of the XX/XX/XXXX payment refund for the XXXX XXXX. I was told then that XXXX XXXX called in on XX/XX/XXXX to ask for a payoff on the car I traded on XX/XX/XXXX. They ( I assume XXXX XXXX ) back dated the payoff to XX/XX/XXXX ( for some reason ) and applied the payment that i had made on XX/XX/XXXX to the XXXX XXXX  and then only paid off the amount of the XXXX XXXX minus the payment I made on XX/XX/XXXX and because of this I would not receive a refund for the XX/XX/XXXX payment because there was no overage. I asked why and they could not explain it. I have since called XXXX XXXX about 4 times and they have escalated it to the highest level ( they say ) to the office of consumer practices and they now try to Keep giving me good news that I am indeed getting my refund. I know that. I know that because it would have been illegal for them not to issue a refund for a payment i made on XX/XX/XXXX for a car that didnt own as of XX/XX/XXXX. Each time they say they will listen to the taped calls from XX/XX/XXXX of when I was told on XX/XX/XXXX that I was not going to get a refund and each time I call them or they call me there is never a reference to any note that I was told anything other than the fact that I was going to get a refund. I assume there is a cover up being attempted for providing wrong information. I keep telling them that Im going to report this and that it would be better if they explained that they made a mistake. The dealership doesnt care and neither does XXXX XXXX. Neither seems concerned that Im going to report this even though this is the 4th car I have bought from. XXXX. Im supposed to get a call back by the end of today from a manager in the department of consumer practices. I dont believe I will. And if I do it will probably be to assure me that Im going to get a refund. There is something wrong here and I want an explanation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX - Balance : {$5000.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$6900.00} XXXX XXXX  XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$21000.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$21000.00} XXXX XXXX  XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1000.00} XXXX XXXX  # XXXXXX XX/XX/XXXX - Balance : {$1100.00} XXXX XXXX  XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$4500.00} XXXX XXXX  XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$4500.00} XXXX XXXX  # XXXXXX XX/XX/XXXX - Balance : {$4500.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have repeatedly tried to update my personal information with the company. They have repeatedly misspelled and use different names to LINK erroneous, fraudulent accounts to me. Recently, I have been called by XXXX XXXX XXXX. This name was used to manipulate, switch addresses and LINK accounts to me. When I call and give them my correct information they use it to LINK the account to me, instead of removing the ERRONEOUS information. There are 2 other people in my state with the same name and year of birth. When I mail them proper documentation ( ID, Social Security card ) they lie and say they never received the information. Every piece of documentation Ive ever sent has been by certified mail so I have the dates. This company lies puts fraudulent/erroneous information on reports for profit. Collection companies then extort people for money because people have no other option. Ive seen multiple addresses, phone numbers and names used to fraudulently link accounts to my name. Ive also sent them court cases in which erroneous accounts were thrown out because a judge found that the information was erroneously being attached to me. I have provided the court information and a copy of my Social Security card and ID. 

What I realize is these companies try to get you on the phone to GATHER information from you. They then use the information to change it on your credit report and do so-called updates. Their goal is to find a way to LINK information to you, even if it isnt yours because thats how they make money. What is going on is criminal and these credit bureaus are in place to EXTORT money from people, not to report fair and accurate information. 

Ive been unemployed for 4 years and have done odd jobs because of this treatment. 

Erroneous accounts : XXXX XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My phone was stolen and someone sent money to their self
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX and all payments were placed in XXXX. This late payment that is reporting is a result of a systematic error on their end processing my payment. This was clearly a billing error made by the company and it is not a reflection of my payment which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! I demand the late payment reported in XX/XX/2023 to be removed. XXXX XXXX never sent any periodic statements along with the disclosures from section 1637 ( b ) therefore there is no record of this late payment. 
XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account/tradeline exists as XXXX in my credit files that is wholly inaccurate and contains false/misleading information. The referenced account appears beginning XX/XX/XXXX at which point the XXXX XXXX alleges a payment was late by one-hundred twenty ( 120 ) days. The account then begins reporting as one-hundred fifty ( 150 ) days past-due in XX/XX/XXXX. By XX/XX/XXXX the account begins 180 days past-due with at least one ( 1 ) of the three major CRAs. Yet, the furnisher of the information acknowledges that they did not begin contacting me until XX/XX/XXXX. The account is reporting as credit with a term of one ( 1 ) month. Yet, the account is not for a revolving loan or a loan product with terms of one ( 1 ) month. Moreover, the servicer for this alleged account has provided false/misleading information required to even check the balance of the alleged account -- the data furnisher is aware of this. I have been denied access to housing based upon this payment history.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Debt collection

On XX/XX/22 I filed a complaint against Frost Arnett, complaint ID # XXXX. 
Frost Arnett replied, stating they would submit an itemized bill and remove the collection from my credit reports. 

I just received the itemized bill this past Saturday, XX/XX/22 ( although the letter and bill are dated XX/XX/22 and XX/XX/22 ). Please see attached. I thought I had 60 days to reply and was waiting on the requested documentation to appropriately reply, but the case was closed without being successfully resolved. 

You will find the attached itemized bill reflects {$580.00} owed, {$110.00} in payments made, {$460.00} in adjustments, and a {$0.00} balance. 

I called Frost Arnett today, XX/XX/22, at XXXXXXXX XXXX. and spoke to XXXX, asking her to review the bill and {$0.00} balance. She told me she could not see the bill and that another department could assist, but never transferred me to someone who could assist, and ended the call by telling me to call XXXX XXXX. Did Frost Arnett not save the medical bill in my Frost Arnett file for follow-up?

So, here I am again with Frost Arnett refusing to work with me and now having a {$0.00} balance. From very many online reviews there appears to be a pattern of miscommunication and a consistent lack of professional courtesy from Frost Arnett for those consumers who are attempting to work with Frost Arnett 's debt collection practices. Due to this as well as the multiple comments from consumers regarding debt collection being executed against them by Frost Arnett for medical bills that they did not owe, I am apprehensive to pay this bill without proof of debt.
Product: Debt collection

I am writing to dispute and request the immediate removal of inaccurately reported late accounts on my credit file. Banks acknowledged the error due to a system glitch, couldn't provide records, and agreed over the phone to remove them. Please update my credit report to reflect a positive status or as closed/never late. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the reporting credit bureaus are in violation XXXX Experian And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number XXXX XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Product: Credit reporting or other personal consumer reports

TD BANK USA/TARGET CREDIT I was going over my credit report and I noticed this account opened and reported negatively on my report. This is a surprise because I do not own this account nor have I ever owned a Target Credit card. I am requesting that this account be removed from my report immediately as it violates my rights as a consumer. This negative reporting is hindering my abilities to qualify for loans. 

As reported to XXXX : there is only history for 3 months in XXXX ; XXXX 60 days past due, XXXX  90 days past due and XXXX  120 days past due. There is no other data provided for this account in XXXX. There is also no close date on this file, nor is there an amount past due or actual payment amount recorded. There is no close date for this file. This account is obviously fabricated. Please remove this from my XXXX XXXX. 

As reported to XXXX : there is much more lengthy history, however the start of the delinquency is called into question because the start of the delinquency does not correspond to the start of the delinquency in the aforementioned report. XXXX shows 30 days past due starting in XXXX, 60 days past due in XXXX, 90 days past due in XXXX, 120 days past due in XXXX, 150 days past due in XXXX, and charged off in XXXX, XXXX, XXXX and XXXX. 

The question herein is, how can i be both 30 and 90 days past due in XXXX of XXXX? This account is obviously fabricated. Please remove this from my XXXX File. 

As reported to XXXX : The last date updated on this account was XX/XX/XXXX. But the other two accounts were last updated in XX/XX/XXXX. 
XXXX shows the date the account will fall off is XXXX of XXXX, but XXXX shows XXXX of XXXX. XXXX shows that this account was 120 days past due both in XXXX and XXXX of XXXX. How can it be 120 past due for two months? This account is obviously fabricated. Please remove this from my XXXX File.
Product: Credit card or prepaid card

On XX/XX/2021 I used my credit card to pay for a surgical service of {$5000.00} to XXXX XXXX XXXX XXXX. On the date of the procedure my healthcare provider was showing an errant deductible balance requiring me to pay for the service in full. Three days after the procedure I was informed that my healthcare account was up to date and the charge would be covered in full. The service provider was informed and asked to credit the amount. They did not. I was later told by the healthcare provider that they had billed the insurance company twice without resolution. The healthcare provider stated that they had not received any request. Unable to prove or disprove either party, I called to dispute the payment with my credit card company. 
On XX/XX/XXXX I received a letter from Bank of American acknowledging the dispute and requesting additional information which I provided. In that letter, BOA stated that this amount, was not required to be paid until such time as a determination was made. On XX/XX/XXXX, BOA failed to honor their policy by deducting the full amount from my checking account. 
I contacted BOA on XX/XX/XXXX at which time they acknowledged their error and a refund would be processed on Monday the XXXX. On XX/XX/XXXX I contacted BOA to see why the amount was not refunded. I was then told that it would take 3-5 business days for the amount to be refunded. On the XXXX day ( XX/XX/XXXX ) I contacted BOA again and told that the amount had been processed and give to the end of the day to hit my account. 
On XX/XX/XXXX, after spending 1.5 hours on hold and transferred three times I was finally told that it would take up to two billing cycles ( or 60 days ) to be reimbursed. 
I have asked to immediately be reimbursed the {$5000.00} plus their going interest rate of 29.99 %, plus their established late payment fee.
Product: Debt collection

Company by the name of Harris and Harris collection agency said I own {$400.00} for a cable bill I don't know anything about it it is not mines it has to be identity theft
Product: Debt collection

AAA Collections says that I am responsible for my late wife 's ambulance ride she took the night of her passing. I sent them the death certificate and they said I was responsible and they will find my employer. Amount owed is XXXX after insurance.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion has been reported as follows : XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$6500.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. NOT PROVIDED ACCOUNT NUMBER XXXX BALANCE {$640.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$2600.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$8200.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE {$1500.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE {$3400.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. 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, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service .

2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service.

5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

7. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under CPLR.

8. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively. 

ORIGINAL CREDITOR CITIBANK {$400.00}
Product: Student loan

Contacted XXXX XXXX in XX/XX/XXXX about loan consolidation. They sent me to Nelnet. At that time Nelnet put  me into an IBR ( Income Based Repayment ). The loan originated on XX/XX/XXXX in the amount of {$56000.00} ( 2 loans totaling this amount ). They also indicated I qualified for a 10 year loan forgiveness program. I made {$71.00} monthly payments from XX/XX/XXXX through XX/XX/XXXX. Have not made a payment since. Now per online dialogue with a Nelnet service rep, i'm in a 25 year loan forgiveness program. However, the accrued interest on the loans is now totaling {$11000.00}. This is causing issues as we apply for other kinds of loans. We would like to purchase a house in the near future but this credit score situation is a huge hindrance. We would like to get an answer as to why we went from a 10 year to a 25 year forgiveness. Also, it's a huge weight on my shoulders not knowing what will happen with this loan in the next 2 decades. We would like to have a solid answer as to what the plan is going forward.