23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has inaccurately reporting late payments on my credit file and these late payments are causing me undue hardship because they are inaccurate. I attempted to contact the company several times and they have an answering service with individuals from overseas who are extremely rude, lack knowledge of company policies or how to remove this inaccurate information off my account. This company continues to report late payments on my Experian credit report to no avail illegally, I have never missed a payment with this company. I setup this account with my monies as a secured credit card but now because of their inaccurate reporting they are causing my credit report to suffer more damage then they are assisting me. I would like them to immediately cease and desist reporting this false information.
Product: Vehicle loan or lease

Credit Acceptance Corp sold me a vehicle that had mechanical problems and 3 months after I purchased the vehicle the transmission blew out. Credit Acceptance Corp reached a settlement agreement with me in XX/XX/2021 and promised to settle the debt and delete from my credit report. However, Credit Acceptance Corp is causing severe damage to my credit by reporting the account every month on my credit report with a new balance.
Product: Checking or savings account

I am trying to get to the bottom of fraud committed by a former friend. A {$200.00} secure credit line was opened in XXXX XXXX XXXX XXXX, yet I was charged for the transaction ( according to XXXX XXXX XXXX XXXX XXXX was living at my apartment when this account was open and would have had very easy access to all of my personal information. When I initially received these account alerts, they were sent to XXXX  and I did not notice that I was charged for a secure credit line in someone else 's name by a bank that I had never heard of before. I had reported a suspected fraud to Regions at the time, and nothing was resolved due to Regions not addressing my concerns. I, therefore, closed this bank account and am now unable to access my old statements. XXXX added my Regions bill pay to her secure line of credit, apparently, and this was never stopped by regions. I expect a refund for unauthorized payments made from my account and access to my previous statements. Please find attached the alert sent to my XXXX last year regarding this manner, my report to the FTC, and the CFPB report that I made against XXXX XXXX bank itself.
Product: Credit reporting or other personal consumer reports

Late payments reported on credit report during Covid-19 pandemic. Dates range from XXXX. Several months on multiple lender accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gotten information today XX/XX/22 that the credit bureau Trans Union has been using my information in the dark pattern. They have been sharing my information and I want to have my credit report completely cleared of anything that wasn't added this year.
Product: Credit card

In XX/XX/XXXX, there were fraudulent charges to my Citibank credit card for purchases that were not made or authorized by me. In XX/XX/XXXX, I notified Citibank credit card about charges on account that were not made by me, owner of said credit card. Citibank was to investigate and to advise as to the next steps to be taken. 
In XX/XX/XXXX, charges were reversed on said account, which equaled a XXXX balance. The following month the charges were re-added, plus late fees and interest charges. 
After receiving the XX/XX/XXXX statement, I talked with Citibank XXXX Department many times to many people. The charges are for companies that do not exist nor do they have valid telephone numbers as shown on the credit card statements. 
Citibank XXXX Department indicated YES this is a scam, but have yet to correct the problem as of XX/XX/XXXX. I have never purchased in the past from either vendor. 
The vendors in question are as follows : XXXX XXXX -- XXXX ( per XX/XX/XXXX, this number has been disconnected ) XXXX XXXXXXXX XXXX XXXX XXXX ( sales rep answered phone as customer service and does not identify the company or the product. She does not know the business name of XXXX XXXX XXXX XXXXnd mentioned that her company deals with promotions. ) Due to Citibank 's actions, my XXXX XXXX has been severely damaged.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I opened my Wells Fargo Cash Back credit card a couple of months ago and have been using it without issues since then. I typically run up the balance and consistently pay it down by making payments every 2-3 days. I've not had an interest charge yet and have made about {$150.00} in rewards and {$200.00} in bonus. I went to make a payment today and got an error saying " You've reached your limits of payments allowed to this account from non-Wells Fargo accounts ''. I called in and they advised me it was a tactic to have customers sign up for a Wells Fargo checking account. When I mentioned CFPB they said they could take a payment over the phone.
Product: Debt collection

On XX/XX/scrub>XX/XX/2024, I sent Credence Resource Management a Certified Mail Letter requesting documents to prove the VALIDITY of an alleged debt they are saying I ole to them and I have yet to receive a response.
Product: Debt collection

I am trying to figure out on how to get this paid so I can fix my credit score please can somebody help me
Product: Checking or savings account

Regarding claim XXXX I had to file a dispute on my Wells Fargo debit card for 2 transactions for which I paid by other means ( with a card from a different bank ). I notified Wells Fargo by phone as soon as I noticed the error, I also sent them documentation the same day via email showing my transaction history on the other card and email correspondence with the merchant confirming I was charged twice. I also followed up with Wells Fargo again days later to confirm they received my documents and that they were attached to the case. 

The representative I spoke to informed me someone was working on the case, no credit was able to be expedited due to the amount. I also asked on the phone if there were any updates, I was asked to wait for correspondence as they would reach out if anything else was needed from me. After waiting patiently, approaching the 10th business day, I see in my online account that Wells Fargo has declined my claim, without reaching out to me for any further information. They also have not sent me any documentation to indicate they have reached out to the merchant or what led them to this decision, as I have sent all necessary proof they would need to resolve this claim in my favor. It seems Wells Fargo does not want to help me recover my funds with a reasonable investigation, otherwise they would have reached out to clarify any information or request additional documents, which I would be happy to provide. This bank is going against Regulation E requirements to thoroughly investigate claims with a fair investigation. I need this dispute reopened and actually considered with all documentation I have provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just less than a month ago, Experian received correspondence on my behalf in regards to several accounts on my credit file due to identity theft. The account XXXX XXXX # XXXX was recently removed or deleted from my Experian credit report due to the account being blocked. As of XX/XX/2020 The same account ( XXXX  XXXX # XXXX is appearing on my Experian Credit file. This action goes against the Fair Credit Reporting Act in regards to section 605b and is a clear violation of my consumer rights. I find this totally unacceptable and Experian should be held accountable for the violating actions.
Product: Checking or savings account

Opened a new account with Citi bank and they blocked it saying there is fraud on the account when I'm the owner and my daughter is the secondary holder had money deposited to the account of {$1500.00} and now they blocked the account from being used and saying the money is not mine or my daughters and they won't fix the issue saying closing account and will lose that money. 
We can't get into accou t at all to send in a copy of the transaction to you guys
Product: Student loan

I took out private student loans when I was in college. My grandmother was the co-signer. She got down and ill and passed away and all the student loan debt fell on me. I just could not afford to pay it. I 'm a mother of XXXX children living pay check to pay check. My student loan debt is more than my salary. I went to college to try and get out of property, but now I 'm just another person in property with a XXXX degree. This bondage has to be removed. Now my wages are being garnished and I do n't have enough money to provide for me and my kids needs. Please help. There has to be better way to handle this student loan debt. I want to pay them, I just can not pay that much at this time. I 'm being garnished almost {$700.00} a month. This is awful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a small business owner who was affected by the pandemic just like millions of other hard-working individuals and I was awarded two disaster relief loans. XXXX XXXX XXXXXXXX, without consulting me, closed my account and debited my account nearly over {$15000.00} as if I were in receipt of the funds fraudulently causing me not to be able to open accounts at any larger, national bank and Early Warning Services won't allow me to dispute what they have done to remove the erroneous charge-off. I owe nothing to XXXX XXXX XXXXXXXX. In fact, I have been a loyal customer for nearly 20 years, and they treated me like a common criminal within the past year when all they had to do was ask for my loan documentation to verify the loan proceeds that I received for my business.
Product: Credit card or prepaid card

I received an email stating I made a purchase that I DID NOT make. I contacted home depot to let them know there was fraud on my account. Home depot canceled my card, sent out another and disputed the charges. I gave the the tracking numbers for the order that was sent to my email and theybsaid it would be investigated. After days of investigating, I received a letter stating the charges were valid. I called Home Depot backnto find out why I am responsible and they stated that the packages were delivered to my address. I told them the tracking numbers clearly show that the address was updated by the sender ( home depot ) to a different address as shown on the tracking. The tracking does not show the address, just a note stating the address was updated. They opened another dispute, just to close it again stating that packages were sent to me. I do not have these packages, I never ordered these products and home depot not ups will not tell me the address that the packages were sent to.

And my letter from home depot does not show the amount owed, it only has the reason for why they believe I owe for the fraudulent charges.
Product: Credit reporting or other personal consumer reports

I have communicated with the company of the inaccurate accounts on my credit report but no investigation is being done i have provided them with a copy of all three of my credit reports to show the inaccurate accounts but nothing is being done
Product: Mortgage

my agent sent in her authorization with the ss info of both of us, and US Bank required HER ss number as well. She wrote it on the auth, and NOW they won't speak to her, they say they need her Company 's info, which is a bunch of nonsense. They are doing everything to foreclose on me and won't speak to my agent even though she's followed all the rules. We have an offer in and are attempting to get the foreclosure sale date postponed. The US Bank rep was XXXX XXXX # XXXX.
Product: Checking or savings account

I started getting debit card fraud back in XX/XX/year> that continued until XXXX. I gathered all of the information needed to prove that the charges were XXXX hours away in a city I've never been to and that it was impossible for me to make them. XXXX I was on an airport from XXXX XXXX XXXX during a few. I attached detailed documents that show the days the fraud was committed and where I was ( XXXX hours away ) when they happened. I can also submit credit card statements showing I was no where near the fraudent charges. ( XXXX vs XXXX XXXX ) I first started the claims with someone named XXXX XXXX and anytime I checked in with him, he'd say they haven't called me back yet. So weeks go by and he doesn't think he should follow up with them? Where's the customer service? I submitted a claim through XXXX XXXX next and I was denied reimbursement. She submitted it again and it was denied again. While I was there in person, she attempted to explain the situation to the fraud department and they said it couldn't be fraud. I know as a person not versed in fraud that is absolutely possible for one to clone to my card. She said she submitted to a higher level claims department and they would call me back in a few days. More than a month later, never got the call. I stopped in and mentioned it to XXXX. She said she would look into it. Nothing. I stopped in again a few weeks later and she said she'd get me a number to call myself to a higher level department. It's been several weeks and I still haven't received that information. My debit card was cloned, I had fraudulent charges totalling more than {$1000.00} and I just want the money back. Chase is not being helpful nor fully looking into the situation. All they keep saying is it's impossible for someone else to have gotten my card. The lack of professionalism and communication from the XXXX XXXX  employees is really disappointing. A loss of {$1000.00} is huge to me. Unimportant to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in an auto accident in XX/XX/2013 whereas I had a substantial amount of medical bills that I had to pay. I advised capital one creditor but help was to no avail. I subsequently settled but the late payments are still effecting my credit score on a negative basis. I have asked for a deletion since my balance is XXXX but they refused. It is a fact that these companies are biased against XXXX. If i were a Congress member they would assist me but since I am not I'm being treated with contempt. I received my credit report trio last week. Wherein my credit scores are very low AND YES, I DID WRITE TO THE CEO BESEECHING HIM FOR HELP. ANSWER RETURNED NO.
Product: Student loan

N.E.S. is a collection agency that has been contracted by XXXX to service a debt. This company has accessed my credit report for private information recently, as demonstrated by the attached document reflecting my XXXX report. I have never been contacted by this agency, however, they recently made several attempts to contact my family from various local phone numbers. In addition to this deceptive and harassing behavior, they called asking specifically for my father XXXX XXXX to discuss private financial information related to my private XXXX student loan. My father is not a cosigner on any of the loans currently serviced by XXXX or its collection agents. NES disclosed the amount of the loan and demanded payment from my father. NES has accessed private information to harass and persuade a payment for loans that have been in default for more than 4 years and were previously serviced by an agency of XXXX that were issued a ( formal ) legal cease and desist by my family. NES and XXXX have blatantly violated the FDCPA by contacting and harassing family members discussing private financial information in attempt to collect a debt.
Product: Money transfer, virtual currency, or money service

My husband and I transferred money to an account holder with XXXX XXXX on XX/XX/2021. This money was for a rental that we had inquired about. We later found out that the rental property we had was copied and listed on another website by someone that was acting as the owner. The owner is being impersonated by someone else. 
We transferred XXXX dollars to the other account on XX/XX/2021. 
On XX/XX/2021 I filed a claim with my bank ( Navy Federal ) to return the funds XX/XX/2021 I followed up with them and the bank started the dispute process XX/XX/2021 Navy Federal sent a letter to the other bank I have an email thread of over 100 emails with the person who is impersonating the actual owner. We have yet to hear back from my bank regarding the funds being returned, the other bank has not responded to the dispute. 

This happened because the actual owner of the home had the home listed for rent and someone else had copied the listing and put it on another site, which is where I found the listing and inquired about it. 

I need assistance in getting the funds returned to me.
Product: Credit card or prepaid card

I applied for an American Express Hilton Honors credit card. The application stated the apr can range from 15.74 to 25.74 based on your credit report and credit worthiness. I got approved with an apt of 22.74 which is outrageous, I was sent a letter stating they used my XXXX  credit report. I pulled my XXXX  report there were no inquiries from American Express. My credit score is XXXX which ranks as excellent, I only have 3 open lines of credit which have excellent payment histories no collections in fact I pay extra on each card each day so Im considered credit worthy. I tried to talk with several people at American Express I was not given a explanation for the high apr rate I need to know exactly how apr was determined since my credit report was not used I feel like I was unfairly treated when applying for this card. I declined the card and had them cancel the card.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block INC. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ) Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I called back in 2018 when I paid a debt that was owed attached to my social security. Later to find out that they were charging me again for the same apartment complex just a different apartment number. The account national credit system has have a different social security number that isnt mine. The contract that they provided doesnt have my social number on it. They purposely remove the social security number from it. I asked them how can I get an apartment in the same apartment complex if I owed a balance? Thats not possible. They ignored my claim and refused to remove it, after I had just paid XXXX dollars for the debt owed with my social security number. This isnt my debt I paid what I owed.
Product: Debt collection

Hello!   On  XXXX   XXXX   XXXX , I was on my way home from   XXXX   XXXX   XXXX  . On the way, I had a  XXXX  attack. I called  XXXX  for an ambulance, which was an emergency call. The ambulance (   XXXX   XXXX   XXXX   XXXX    XXXX   )  took me to  XXXX   XXXX   XXXX   XXXX . I used my insurance  XXXX   XXXX   XXXX   XXXX  Illinois  XXXX   XXXX   XXXX . In the  XXXX   XXXX , the nurse took some analysis and told me to wait. I was waiting  for 5 h ours and no one came to see me or check up on me. While waiting, the pain went down, so I left the hospital and kept on driving home.   In  XXXX   XXXX , I received a bill from Creditors Bureau Associates  XXXX    XXXX   ( Collection Division ) of a sum of {$590.00}. I called  XXXX  customer service and they told me that if there was an  XXXX  in another state, my insurance will pay for all the bills/expenses.   However, nothing was paid off. For 2 months I called  XXXX  customer service,  XXXX   XXXX   XXXX  (  XXXX  ; the company is  Billing Agency  of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , and  Creditors Bureau.  I talked with collector  XXXX . Her phone number is  XXXX . At first, there was an error found in the  Patient Care Report ; instead of the home address I currently live in, th ey put my Driver License address. The address issue was fixed later on.   Some time after,  XXXX  customer service stated that they didnt receive any bill from  XXXX   XXXX   XXXX   XXXX   XXXX  or  XXXX . I again called  XXXX  and  Creditors Bureau.  The collector and I checked all the information and it was all correct. She told me that  XXXX  paid half of the overall amount/expense and that the {$590.00} was the rest that has to be paid off.   A fter my 3rd c all to  XXXX  customer service at the end of  XXXX , an  XXXX  insurance agent stated that I mustnt call any of the involved companies because it violates my rights. The agent said to let  XXXX   XXXX ,  XXXX  and  Creditors Bureau fi gure it out on their own.   On  XXXX   XXXX ,  XXXX , I have sent a complaint to those companies by Certified Priority mail. In  XXXX ,  XXXX , I got a letter from  XXXX  that they will review my grievance.   At the beginning of  XXXX , someone called me from  XXXX  and said that they ca n't help me with anything because 6 months already passed since I went to the hospital.   On  XXXX   XXXX ,  XXXX , and today  XXXX   XXXX ,  XXXX , I got a calls from the collector,  XXXX , and she notified me that the bill was still not paid off to this day. The collector told me that if it doesnt get paid off very soon, they will ruin my Credit History.   Please, help me get this done and over with. I advised many times to make a conference call between  XXXX ,  XXXX  and  Creditors Bureau,  but they all keep denying my offer. I am sick and tired of seeming like I am the coward around here. I do not want to pay for this bill when I have an insurance. I can not afford to pay for it at all.