23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My wife, whom I'm getting divorced from tried to open a credit card through this company. They allowed her, without my permission to sign for me and gave her a line of credit. I attempted to dispute this and was put on hold or transferred to 5 different people all explaining there's no way this would have happened. But alas, it is on my credit report and they have nothing to remedy or investigate the fraudulent activity. 

They not only gave her a line of credit and a card but they also wouldn't give me the card number or any information to hire and attorney or protect myself from what my wife has done without my permission. 

They wouldn't even give me information regarding the limits or %. Even though I could prove it wasn't me due to my wife being in Florida and me being in XXXX XXXX.
Product: Vehicle loan or lease

Since XX/XX/year>2024 my credit has been affected by wells fargo they added a balance to a charged off account. Then they added monthly late payments for over a year... I have filed multiple reports with the company and now you guys again bc they are not fixing my account and it has had a negatively. And they refuse to call me after I have filed a complaint ... at this point I want my balance taken to XXXX  and this to be removed from my credit report bc they refuse to fix it... I have documents from prior claims and ones that I tried to send to them but email won't go through to them. They have fraudulently attached late payments and amounts owed. Without any recourse by them to fix this situation... I started the complaint process with wells fargo XXXX of last year then when they didn't do anything I filed complaints with you..
Product: Debt collection

Dear XXXX of the Consumer Finance Protection Bureau, AWA collections, as of XXXX XXXX, 2016, continues to violate both State and local laws of the XXXX Arizona 's XXXX debt collection statutes which prohibit the collection of medical debt from consumers participating in State Medicaid / Medi-cal. The original creditor and AWA collections were notified by the Arizona Department XXXX XXXX that " balance billing '' and pursuing a bill against an XXXX enrollee can trigger civil penalties of " three times the amount of the billing '' and is expressly prohibited by Arizona XXXX XXXX XXXX. 
When this occurs, it is appropriate to report the unlawful billing practices to the XXXX XXXX of XXXX XXXX for further action, since the XXXX considers such billing practices by providers to be " fraudulent ''. 

In XXXX of 2016, The State of Arizona notified AWA collections and XXXX XXXX XXXX that pursing this bill is in violation of state statute. AWA collections continues to disregard such notice and continues to illegally collect and report to the major credit bureaus. 

AWA collections has also illegally reinserted this collection with the major credit bureaus and failed to notify me in writing prior to its reinsertion. 

This is my final attempt to resolve AWA 's illegal and fraudulent collection of this bill. I understand mistakes happen, and expect AWA to resolve and discontinue the collection, reporting, and dissemination of this alleged debt. I have filed a complaint against AWA collections with the State of Arizona 's XXXX. 

AWA Collections has violated both the FCRA and State of Arizona 's state statutes regarding debt collection of covered state Medicaid recipients. AWA Collections is liable to me should I reserve my right to seek resolution through the legal system of the State of Arizona.
Product: Debt collection

Goodevening, I have been frustrated with contacting debt agency with XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX ). I have called my insurance for a better resolving solution to help pay off debt with the hospital an helped my contact debt agency resolve the issue at hand. An I was told to not to worry bc everything was dealt with XXXX. By the debt over lapping its bringing my credit down to the point I can't move forward with getting a place or a car or even get great steady paid job. It's messing up alot of opportunities that has come my way. I haven't gotten any phone call if I did it's under number I don't recognize or don't know which I don't answer bc of scammers as you all suffer from as well. I would like better results to help understand why is this bill XXXX when it's been paid of to my insurance. Please I would like help resolving this debit so me an my beloved can have better futures. Thank you for listening hope to hear from you all soon.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Product: Payday loan, title loan, personal loan, or advance loan

Original complaint was filed on XX/XX/XXXX about additional fees added at the end of my loan. On XX/XX/XXXX the company responded to the complaint that they would be reimbursing me the XXXX charges for over {$200.00}. On XX/XX/XXXX I followed up since I still had not received my refund. They were unresponsive. In XX/XX/XXXX, I filed a complaint with the FTC. The company has not responded to any of my inquiries and I have waited well over the 120 days they claim it can take to receive a refund. I also received information from my bank that in XXXX of XXXX, AFTER the company validated via the attached letter that they would be refunding me, the company stated the amount charged to my account was valid and there would be no refund issued.
Product: Credit card

I had a credit card with Chase Bank USA NA, I was unable to pay it due to an illness and loss of job. They charged it off. In XXXX I received a XXXX from Chase Bank USA NA. I claimed the {$2100.00} on my taxes. In talking with several people in the mortgage industry, I was told that Chase would keep the charge off on my account, but the balances would be zeroed out, due to the XXXX. I feel that because I had to record this as income on my taxes that the amounts should be removed from my credit report. I have tried to talk to Chase, but they told me that I had to pay the balance in order for them to remove it. I have already claimed it as income on my taxes, now they want me to pay it to them? Please point me in the right direction, as I wish to get a mortgage and need this removed from my account. Also when I disputed this they changed the date on most recent reported and I was told by the mortgage company that it looks like I was working with them to correct this on XXXX/XXXX/XXXX.
Product: Student loan

My father passed at the end of XX/XX/2019. I called Navient to find out what the process was to have him removed as cosigner on two student loans he was a cosigner on. They stated once I receive the death certificate and letters of administration, that I would need to upload the documents to them for them to remove him. Once I received all the documentation, I uploaded them to Navient on XX/XX/2019. I called on XX/XX/2019 to confirm the documentation was received and was being forwarded onto the department that will handle it. I called again on XX/XX/XXXX to check on the status of the account. I was told the paperwork was at the claims department but had not yet been processed. I called again on XX/XX/XXXX to check on the status of the account, again was told the paperwork had been received but had not yet been processed and the paperwork needs to be forwarded on, which one ever did. She said it would be done so and she was putting a high priority on it as I had started getting called about collection on his account though the notated the system of his death. She told me to call back on XX/XX/XXXX. Meanwhile Navient locked his account out on XX/XX/XXXX. I called XX/XX/XXXX and a Ms. XXXX said there was still no update and transferred me to a supervisor named XXXX. XXXX said I need to wait until the end of the next billing cycle that ends on XX/XX/XXXX. XXXX said he would call me back on XX/XX/XXXX, I never received a phone call. On XX/XX/XXXX I received a phone call from Navient telling me to call back. I call the number back that was given and was subsequently transferred two times until they could get me to the proper department. I spoke with someone with employee ID XXXX and she told me the people I had been talking to after calling Navients phone number was a 3rd party doing business on their behalf by the name of XXXX. She told me the account has been marked as deceased, but that the collection agency would continue to call me because one of the bowers accounts hasnt been paid in a few months. I told her he was dead and that they wouldnt be getting any money from my father. I also asked what it would take for them to process and remove him from the loans and to end the phone calls to me. She wouldnt answer my questions. I told her I'm filing two complaints, this one and one with Federal Student Aid. I also told her to never call my number  again. Will be speaking with my attorney as well. This constant bantering and dealing with this inept company is taking a mental and emotion toll that is unwarranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified the credit bureau Equifax of a fraudulent account on my credit report 3 times from XXXX XXXX. I provided legalized documentation to support that this account doesn't belong to me and that I had been a victim of identity theft each time I have notified them. The credit bureau Equifax refuse to  remove the erroneous reporting account. I have notified all credit bureaus and the other 2 XXXX and XXXX have investigated and removed the fraudulent account that stemmed from identity theft but Equifax will not properly resolve this issue. I am a XXXX veteran that is XXXX and I am sincerely saddened by this situation.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the XXXX Data Breach below in attachments
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Equifax 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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: Mortgage

I have not received the settlement payoff for {$10000.00} for my property XXXX XXXX and my buyer is ready to close on the property to avoid loss of the property to the tax buyer on XXXX. 

I have submitted the XXXX  XXXX cash deal and title policy and updated purchase contract to reflect the amount on the XXXX for {$49000.00} Now I was told the documents would be reviewed by XXXX. 

I contacted SPS today XXXX and instead of my account being view as a settlement the rep said their is confusion going on being reviewed as a shortsale. 

I informed Sps if this property is lost to the tax buyer I am not going to be responsible for the balance of the loan. 

I have all my emails and communications thar have been documented. 

THE PROPERTY WILL BE SOLD TO THE TAX BUYER PER ATTACHED DOCUMENT FROM XXXX COUNTY SHERRIFF 'S IF THE TAXES ARE NOT REDEEMED BY XXXX XXXX 2021. 

I HAVE DONE ALL I COULD DO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a cosigner on my step-daughters car with USAA. USAA said their policy was to contact cosigners if the borrower was not making timely payments. Weeks after my step-daughter had 'promised to pay ' USAA XXXX they sent me a letter saying the payment was not made and it had been reported to credit agencies. I called them, and they said, it was too late to fix it - the borrower ( my step daughter ) did not pay and she continued to promise to pay. I inquired to their policy of contacting the cosigner to make a payment before it was reported to the credit agencies - they said it was an oversight because the borrowed continued to promise to pay when they spoke to her. I was never notified to rectify the issue. I know this is their policy and they have stated this is their policy, it had happened once before and they did let me know before it was too late. This time they failed to inform me until after it was too late, they never called or contacted me via email or phone or text or other means to pay the payment before submitted the late to the credit agencies. 

They said it was too late for them to fix it, and if it did indeed end up on my credit, to file a dispute. I filed a dispute when XXXX and they returned the dispute that the creditor said the file was accurate. We ended up paying off the loan in full, so the loan is now closed and no longer outstanding with USAA. But it has effected my credit as a 30 day late and I am fairly livid that USAA could not fix it, did not follow their protocol for cosigners and have now reported my dispute was inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The said account had been settled and is now closed. This item should be verified and removed/deleted from the credit report.
Product: Checking or savings account

On XX/XX/2018 ; I made a {$600.00} cash deposit at my neighbors US Bank. After taking the money, the ATM displayed a message and gave me a printed receipt stating it encountered an error and can not deposit or return my money. It say I should call the XXXX # on the receipt.

I called the number straightaway and I was told it issue should correct itself within 24 hours.

I have check or call back everyday since and the issue has not been resolved. I went into the branch and was told there is nothing they can do until the ATM is fixed. It has been 5 days and I still dont have my money.
Product: Credit card or prepaid card

On XX/XX/XXXX, I sent a Certified Mail letter to U.S. Bank National Association, issuer of my U.S. Bank Secured Visa credit card, requesting that the Visa account be closed. The Visa credit card was enclosed with the letter. At the time of the letter 's mailing, the Visa account had a balance of {$0.00} and the Secured Savings Account ( securing the Visa card ) had a balance of {$1800.00}. 

On XX/XX/XXXX, U.S. Bank sent me a letter stating : 1. " Your account is currently closed. '' 2. U.S. Bank had started a holding period of 32 days on the account to allow " ... time for all transactions to post. '' 3. The account " ... will be reviewed on XX/XX/XXXX ... '' to determine whether or not any of my Secured Savings Account balance of {$1800.00} would be returned to me. 

Finally and as of today, XX/XX/XXXX, the online account page shows the " Available Credit '' to be {$0.00} and the " Current Balance '' to be {$0.00}.

In summary, U.S. Bank : A. Is in possession of the Visa credit card.

B. Has closed the Visa account.

C. Has set the " Availble Credit '' to {$0.00}.

D. Shows the " Current Balance '' to be {$0.00}.

Despite all of the above, U.S. Bank insists on retaining my {$1800.00} Secured Savings Account balance until after the account is " reviewed '' on XX/XX/XXXX.
Product: Debt collection

We just received a letter from this debt collection agency stating that we owe to the company we used to rent our apartment from. There was no correspondence from the rental agency about any money owed, and they even kept our {$800.00} damage deposit without any explaination. This rental agency needs to be reprimanded for taking advantage of it 's renters.
Product: Student loan

My XXXX loan was XXXX under the XXXX XXXX forgiveness plan. This was approved on XX/XX/year>. I have the documents from XXXX as proof. When XXXX had the loan is showed a XXXX balance. Somehow my paperwork was transferred to Aidvantage and they say I now have a loan balance of approximately {$XXXX}. I have called Aidvantage countless times and have uploaded online the XXXX forgiveness letter at least twice to them directly through my account link. We have had conference calls with Aidvantage, XXXX and myself on them. XXXX has advised Aidvantage  that my loan was forgiven and there are no active loans in my name on their database. XXXX has also sent the documents to Aidvantage. I have been working over a year on this issue, and I get told that a special desk at Aidvantage is working on it and to check back in a few weeks. My nonexistent loan balance keeps going up and my credit rating is being affected by this, along with my health. I do not know who or where to go with this now. Any assistance would be greatly appreciated.
Product: Money transfer, virtual currency, or money service

I staked XXXX XXXX with Coinbase in XX/XX/XXXX. Was supposed to receive on average of 4 % daily return. Had a balance of almost XXXX $ last checked in mid XXXX. Now shows under {$50.00} with no explanation and no support to clarify. Also, can not get money back from staking as its locked up under their control as per agreement but they have broken agreement by not providing interest or accurate book keeping.
Product: Vehicle loan or lease

I submitted a preapproval in lendingtree and got different agents requesting more information, but one decided to skip every protocol in the book and just pulled a hard inquiry on my credit. The lending agent apologized for it over the phone and hang up and now the manager keeps telling me that it is what it is, so they pulled my credit score twice without my authorization, zero help and I get to find through yelp that I am not the only one that this business is deceiving with their malpractice. There is federal regulations that they are skipping and it needs to stop. You need to get consent to run someones credit.we established a client to customer relationship. You need fo seek consent for that credit score
Product: Credit reporting or other personal consumer reports

There are accounts reporting that do not belong to me. I have asked these companies to provide me with documentation and their response is that they can't provide it. So my question is if you can't provide me with proof, then how are you reporting this inaccurate information without proof.The following accounts do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$5700.00} Please investigate this matter thoroughly and remove this from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted LexisNexis since XX/XX/2022, and filed a dispute directly with them and they refuse to remove my information from their database and stop reporting legal case information on my credit report, which does not meet the reporting requirements or compliance with the reporting guidelines required and established by FCRA & the Consumer Financial Protection Bureau, CFPB. Unfortunately, LexisNexis has continued to report the information to my credit every month even though I have provided them with an email response from the Courts in which they indicate that they do not provide legal case information to the credit bureaus or to any 3rd party companies. Because of them reporting my information to the credit bureaus, I have a stalker who has now found my address and where I live, so if my safety is endangered because Lexis Nexis refuses to stop reporting my personal information to the credit bureaus then who will be held liable if something were to happen to me now that my stalker has found me and found my address?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from Dept. Of Justice that shows i was the victim of identify theft. I will list the companies below and ask to have all removed immediately. I have also attached the letter from the Dept. Of Justice. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I called Capital One about transferring money from my checking account to an account in XXXX. The representative was very helpful at first, guiding me to the proper link on the bank 's website. It clearly stated that international transfers were permitted for a {$30.00} fee. As I was about to hang-up, the representative said that something " had just come up on her screen '' saying that I was prohibited from making ANY international transfers. I informed her that the website said that I could. Her response, again, was that this information " just appeared. '' I told her that this was suspicious and too convenient. When I asked her why I couldn't, she informed me that she'd have to transfer me to another department and the hold time would be long. I don't have time to be on hold all afternoon. I have NEVER had an issue transferring money overseas in the past. Even if Capital One has the right to deny the transfer, they have an ethical obligation to inform me as to the reason for the denial.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I recently reviewed my credit report and notice unauthorized inquiries impacting my credit score. I have not consented to these inquiries, and they were added without my knowledge.I request their removal from my credit file.
Product: Checking or savings account

XX/XX/ - my account was closed with no notice due to a merchant charging my account into the overdrafts. Ive complained to Santander for weeks about said situation. Nothing was ever done. 

XX/XX/XXXX  - a {$4300.00} deposit was released to Santander bank account but due to account closing, I curently have no access to funds which were released.!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am reporting this on my own behalf. XXXX, XXXX, and Equifax are reporting incorrect information on my consumer report. 

In accordance to the Fair Credit Reporting Act, 15 US CODE 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) : the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

By law, a creditor may not treat a payment on a credit card account as late for any purpose and since I never gave my express written instructions to furnish this, the late payments on my consumer report are incorrect and have been made in error.