23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Originally took out loan XX/XX/XXXX put in my dates for payday and got email stating a payment was coming out on the wrong date. Told them and they re-wrote the loan XX/XX/XXXX, and the same thing happened again and rewrote XX/XX/XXXX. So finally they got it correct and the first payment came out XX/XX/XXXX for {$270.00}, of which {$2.00} went to principal. I called to pay off the loan today and the amount due for payoff was {$1600.00}. This was more than the original loan, after a payment was made. Ridiculous. As I do understand that the interest rate is 393.70 %, this loan apparently was originated on " tribal '' land, so they do not have to comply with my residential state of Montana, which has a cap for payday loans at 36 %. I have stopped the ACH as of today and told them I would put an offer in to pay {$1500.00} in full, but they could not do anything today to accommodate this, leaving me 2 more days of interest accruing till Monday. I told them that I felt that they were not legally disbursing loans this way and that I was going to stop paying and get a settlement that way if they don't accept my offer Monday. I am furious that these companies can get away with this. My husband and I had some urgent needs for some money till he went back to work and I was recovering from a XXXX. We have 2 of these loans with 2 different companies XXXX up with interest payments. How is this legal??? Especially when I reside in a state with a low cap. Even though the loans were online, this should still apply. 
Loan XXXX XXXX
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # 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 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 card or prepaid card

I called CiTi credit card and advised them that I lost my card, and they should watch for possible fraud. They told me I should close my account. So, they went ahead and closed my account. I told them to apply my cash reward to my account. Later they refuse to do so. I sent them XXXX letters and they still refuse in the meantime they keep charging me late fees even though I sent them the full amount that was due according to my records. They claim because I closed my account on their recommendation that I forfeited my cash reward. Now they are ruining my credit score has dropped by like XXXX points.
Product: Checking or savings account

I've been in a battle with Wells Fargo since XX/XX/2022 over unauthorized transactions. I've made a fraud report and they denied it. They closed my online banking until the investigation was over and gave me a new debit card. I was told the reasons and I asked why was other charges that I never included in the report. Then they said they will look into it further. I've answered questions they have asked and participated fully. Since they haven't been help in a week I made a report to the office of the comptroller of the currency. They did their investigation and gave the same report. They said I have been using XXXX XXXX payments in the past. I told them I don't own a XXXX and never had. If they thoroughly looked at the history and my number they would've contacted XXXX ( btw I told them who I was under when asked ) and I know my number is linked to an XXXX. Then also told me I didn't have enough funds in the bank to get it back. So now I'm fighting to get my rent money back. Now they are telling me to prove I don't have an XXXX and to get info from the company. This has been a headache for a long time and I'm close to finding a lawyer if need be. That's {$2200.00} missing. It's nothing but more excuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score Deleted + 'icon ' Deleted They removed a card that was not suppose 2 please put it back on fcra violations
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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: Debt collection

This company is trying to sue me for debt that I do not have clarification on. It does not show up on my credit report, but based on the paperwork they gave me when being served, this debt is time barred in the state of texas. Therefore, I should not be getting sued for this debt. Since I wrote to the court of my answer to this debt, they have now send emails and letters on debts saying under texas law, etc.
Product: Credit reporting or other personal consumer reports

I sent out a certified letter requesting for XXXX, Transunion to verify and update information or to delete, I requested verification of the accounts in question including Name and address of creditor, date accounts were actually opened, actual dates accounts were closed, actual date of last payment, the balance owed when account was closed and last balance, any and all original documents and agreements signed by me related the XXXX XXXX accounts in question. 

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

I want the balance to be reflected correctly ALWAYS. This issue has been disputed in XXXX  and XXXX at least twice now. They find that CrossCountry is incorrect and then amend. Then a month or 2 later CrossCountry bumps the balance up several thousand dollars again. Each time causes a big hit to my credit score.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act XXXX XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Mortgage

About XXXX years ago I had done a modification of my mortgage at which time I started paying my new mortgage. In XXXX 2014, I received an amount due of {$0.00} at which time I called to find out why. No one could explain the reason there was nothing billed. In XXXX, the same thing happened. When I called again I was told there would be nothing due until XXXX 2014 and I still was not told why. After several more attempts, I just let it go and was then billed in XXXX 2014 for {$4000.00} which was not the agreed upon amount. My complaint is there is no one to speak with and no answer was ever given as to the reason nothing was billed.
Product: Debt collection

I am writing to dispute the inaccurate reporting of late accounts on my credit report. Upon contacting the bank, they confirmed a system glitch and errors in their files. They assured me of a positive update to my report, indicating the account has never been late. XXXX has already updated its report and removed this account. 
Account Name and Number : XXXX XXXX XXXX
Product: Student loan

I enrolled in the REvised Pay as you earn program, currently the loan serviced by Navient. 

However, for 2 months even though I was in the revised pay as you earn program, Navient continued to collect payments as if I were not. 

For example, prior to Revised Pay as you earn my payment was nearly {$1100.00} per month, and after, {$350.00}. 

When I asked what happened, they said " there was an " accounting mistake '' When I asked for my money back, they asked for " a bank statement '' uploaded to their website showing that the money was paid to them. 
When I pointed out that I pay via direct deposit and clearly my bank information is with them, they said that this is there policy. 

This happened inXX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with CITIZENS BANK NA was never late! I have had exceptional payment history with CITIZENS BANK NA and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience 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/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


CITIZENS BANK NA Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Received an American Express offer for XXXX XXXX XXXX new membership. 
Purchase a new membership online and receive {$25.00} credit. 
Purchased my membership on XX/XX/2018 but never received the credit Contacted American Express customer service, but they weren't helpful.
Product: Money transfer, virtual currency, or money service

Here are the etherscan links to the two unauthorized transactions : XX/XX/XXXX XXXX XXXX  - XXXX XXXX removed from my wallet https : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX removed from my wallet https : XXXX My account was setup to require two step authentication for all XXXX. It is still setup to require two step authentication for all transactions. Two step authentication was not attempted for these two unauthorized transactions. 

I saved my XXXX word recovery phrase on my work computer buried in a large XXXX file and on a XXXX XXXX. I did not save it on the cloud, or on a computer/phone that I have ever used for anything Coinbase related. 

Neither the email address that I used for the Coinbase Account, or the email address that I use for my Android account ( for my phone that would receive text messages and submit fingerprint verification ) have any record of a login to these accounts from a new device. These are two different email accounts with two different passwords - another step that I took to protect my account.

I was not sent any email confirmation that my 12 word recover phrase was used during this time. I did use the 12 word recovery phrase on XX/XX/2021, and an email confirmation was sent to me on that day, which leads me to believe that the 12 word recovery phrase was not used by me or anyone else prior to XX/XX/XXXX. 

Coinbase has claimed that my 12 word recovery phrase was used to remove the money from my account, but they have not explained how I was not given an email confirmation that my 12 word recovery phrase was being used, or why they did not even attempt two step authentication with the phone number that was on the account. They refuse to give any other answers to my questions. They refuse to even acknowledge my question asking them to confirm that the wallet address given to me by the Coinbase Wallet is indeed my Coinbase Wallet address.
Product: Debt collection

Midwest Recovery Systems appeared on my credit report on XX/XX/XXXX and I reached out to them via email on XX/XX/XXXXto dispute the validity of this account. I had not taken but any payday loans in the last four years and also knew that I had dealt with some companies who were not abiding by CA law. I forwarded the Desist and Refrain Order from the California Dept of Business Oversight showing that any payday loans issued to residents in CA were null and void. They have yet to acknowledge any of my emails ( followups sent on XX/XX/XXXX and XX/XX/XXXX) so I called. A call center rep said that that order had no bearing on their collection since their client, XXXX XXXX, had purchased the debt. My argument was the original debt was made null and void so their collection was invalid. Nothing came of that call and I ended. I reached out to the California Dept of Business Oversight and they forwarded my request to your oce. All I am asking is for this to be removed from credit reports. XXXX has removed it and it is under investigation with XXXX. On XX/XX/XXXX, I received a fresh alert that it had been reported to XXXX which I have since challenged. I thought this had been previously reported to the CFPB but when I checkeed for status, it does not send me login information.

On XX/XX/XXXX, I mailed a certified letter requesting debt validation. It is currently in route and is attached to this complaint.
Product: Checking or savings account

On XX/XX/23 I attempted to transfer funds from my outside bank to Chime using Chime 's instant transfer option. I entered my debit card and attempted to transfer funds. It was rejected. I attempted it 4 more times but continued to get rejected. The amounts were roughly {$400.00} but it is difficult to recall exactly since I don't have access to the account anymore. Shortly afterwards, I received an email stating my account is on hold. They asked me to submit information to help release the account which included my state ID, utility bill, proof of the debit card that was used and an explanation. I submitted all this information on XX/XX/23. 

While I understand that the bank was closed on XX/XX/23, the subsequent emails I received on XX/XX/23 showed that I am unable to actual speak to anyone at this " special team '' to explain further what happened. I have submitted all the information 5 times via email and uploading it via their website. I continue to get emails stating that there are things missing. I have uploaded everything exactly as they specified, yet I am getting auto-generated replies saying " we'll look into it '' followed by instructions to upload the files again ( which I have done MULTIPLE times ). I attempted to speak with supervisors but they could do nothing more than send a message on my behalf. When I asked to speak to their managers, they said one is not available and there is no other way to contact them. So now I am left with approximately {$1100.00} in my account that I do not have access to. I can not pay my rent, I can not pay my bills. I will likely incur late charges and this situation has put me in a bad place with my landlord.

One of their requests is that I send them proof of the debit card I used when I attempted the transfer. I have sent them my bank statement. However, they want my debit card number to appear on my statement which is just not how things work. Statements don't include numbers to the debit cards, they have an account number and those two numbers are obviously not the same for security reasons. Yet their auto generated responses keep asking for this information and explaining to them the problem does not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XX/XX/XXXX and XX/XX/XXXX Credit Acceptance stated a email was sent to remove COVID status. I didnt receive any communication from Credit Acceptance regarding a minimum payment was due to stay under the status. In result, my credit report is now reflecting 90 day late payment for COVID status I was still suppose to be under. The website now states that a payment had to be made by XXXX. I talk to Supervisor XXXX stated the email was sent on XX/XX/XXXX and that it was nothing they could do that I didnt receive it. Then next I spoke with a Collection Manager XXXX stating it was sent XX/XX/XXXX. I getting conflicting information. The manager XXXX also stated a letter was sent and could not get a date at all.
Product: Bank account or service

REGARDING A CLOSED DEBIT ACCOUNT WITH WELLS FARGO. XXXX, 2014, MADE AN ONLINE PURCHASE WITH XXXX XXXX. TICKET WAS NEVER USED. XXXX, 2015, XXXX AGREED TO REFUND MY PURCHASE. THEY SAID THE CREDIT HAD TO GO BACK TO THE ORIGINAL DEBIT/CREDIT ACCOUNT. EXPLAINED TO XXXX ... MY ACCOUNT WAS CLOSED. IT WAS SUGGESTED TO CALL WELLS FARGO AND EXPLAIN TO THEM A CREDIT WAS COMING ... AND, TO ISSUE A PAPER CHECK TO ME UPON RECEIPT. WFB, AGREED. CONTACTED XXXX TO TELL THEM GO AHEAD AND PROCESS THE CREDIT TO WFB BASED ON THE COMMITMENT GIVEN TO ME BY WFB. HOWEVER, WHEN WFB RECEIVED THE CREDIT ... THEY DIVERTED THE FUNDS TO MY CLOSED ACCOUNT STATING I HAD A NEGATIVE BALANCE. BELIEVE WFB ERRED AGAINST THEIR POLICY. THE PRESIDENT OF THEIR DEBIT/ATM DIVISION INFORMED ME ... IF THE ACCOUNT HAS BEEN CLOSED FOR 30 DAYS OR MORE ... THE CREDIT IS RETURNED TO THE MERCHANT. BECAUSE WFB WAS ALERTED TO THIS INCOMING CREDIT ... THEY SAW THE OPPORTUNITY TO DIVERT THE FUNDS. THE CREDIT WAS NOT INTENDED TO BE POSTED TO MY CLOSED ACCOUNT. WFB HAD NO RIGHT TO TAKE THESE FUNDS. ONCE AN ACCOUNT IS CLOSED ... TRANSACTIONS CA N'T BE POSTED AGAINST THE ACCOUNT. WFB MADE A COMMITMENT TO ME HOW THE INCOMING CREDIT WOULD BE HANDLED ... THEY IGNORED THIS COMMITMENT. I KNOW FOR A FACT IF I HAD N'T ALERTED WFB TO THE INCOMING CREDIT ... IT WOULD HAVE BEEN RETURNED BY THEIR SYSTEM TO XXXX AS AN UNIDENTIFIED CREDIT. ADDITIONALLY, VISA, INTERNATIONAL INFORMED ME XXXX HAS THE ABILITY TO REVERSE THE CREDIT TRANSACTION. MORE DOCUMENTATION IS AVAILABLE. THANK YOU FOR YOUR TIME. PLEASE EXCUSE THE UPPER CASE LETTERS ... HAVING A PROBLEM WITH THE KEYBOARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in letters To XXXX, XXXX and Experian on XX/XX/22 Disputing accounts and inquires that are not mine. It is now 30 days since I sent my dispute letters to these 3 companies and I believe legally they have 30 days to respond. As you can see from my letters which I will attach it is now 30 days.
Product: Money transfer, virtual currency, or money service

I have been using paypal service for all my online business since XXXX, I have not had a serious problem until XXXX. XXXX. XXXX when my transaction hit XXXX which is the maximum the account can transact per month. I was then requested to provide proof of fulfillment, proof purchase from supplier, information about how my business works and then asked a to give more information about 7 transactions that were flagged out. I was able to provide all that, on the morning of XXXX. XXXX I was asked to provide more information concerning 3 of recent transactions to my account. I provided the information, about 7hrs later I received an email saying that my account has been limited permanently. This put me in a lot of distress since paypal is my primary payment method for my customers. Also the money held has inconvenienced my business as well as my family since we depend on that.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I contacted the police locally and FTC. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX. And these inquiries are not mine either : 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