23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

participated in XXXX 's XXXX program and rented a vehicle through XXXX in XXXX of 2024. XXXX deducted the weekly rental fees directly from my earnings. However, I was later contacted by XXXX, who informed me that XXXX had not been paying for the rental, despite these deductions. 

Upon learning this, I immediately returned the vehicle to XXXX on XX/XX/XXXX. Since then, XXXX has continued to directly charge me rental fees for the vehicle, despite it being returned and no longer in my possession. 

I have contacted XXXX multiple times via in-app support, email, and phone since XX/XX/XXXX, but no resolution or refund has been provided. Despite providing evidence of the vehicle 's return, XXXX has failed to address the issue or stop the charges. 

I also filed a dispute with Chime to recover the wrongful charges. I provided Chime with evidence, including proof of the vehicle 's return and documentation of the charges, but Chime dismissed my dispute without providing a clear explanation. 

In summary, the following issues persist : XXXX has continued to charge me weekly rental fees for a vehicle that was returned on XXXX the XXXX. 
Chime dismissed my dispute despite the evidence provided. 
XXXX has not refunded the wrongful charges or provided confirmation of payment to XXXX. 
I have not received the rental deposit from XXXX or XXXX.
Product: Student loan

I went to XXXX College of XXXX XXXX however i didnt finish school out due to the fact i had my son. However the school closed down shortly after me dropping out. I reapplied at another college only to find out non of my units/credits are transferable to any other XXXX  college so i have to retake all the classes I owe my student loans on. which is over {$32000.00}. My principal is {$23000.00}. My accured interest is {$6000.00}. Collection fees are {$2800.00}. I dont know what my options are and Im really needing help in where i can go. The company is Ascendium/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you? Im extremely upset and shocked about the way this charge-off on XXXX   XXXX XXXX account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting

My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for one of us every two months. For the third year in a row now, neither one of us has been able to get our report on line from Equifax. My wife was denied her on line report on XX/XX/2016. Every time we go through the on line request procedure, at the end, we get a message that it can not be completed on line, and that we need to fill out a form and send it, and XXXX supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other XXXX agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree XXXX, to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.
Product: Checking or savings account

on XX/XX/2021 i deposit XXXX into the atm and the atm ate my money chase closed my account without giving me my money back from my issues
Product: Credit reporting or other personal consumer reports

i reviewed my consumer reports and noticed that i had one late payment on a account that i was never late for the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy i have never been late on payments for this account i have included screenshots inside this complaint in or on dates of Mo XX/XX/2023 please investigate and provide proof with statements showing this payment was late if proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. thanks please see screenshot attached
Product: Debt collection

On XXXX XX/XX/2020 I informed AAFES ( Army Air Force Exchange Services ) that I was a victim of Identity Theft and a Military Star Card was fraudulently opened in my name. However, they refused to take any action. On XX/XX/2020 I sent them an email AAFES requested and they promised the fraud department would send me a letter. As of XX/XX/XXXX I have not received the letter. In violation of the Fair Debt Collection Practices Act they sent me a bill. Since I never had an account they made misrepresentations about the debt, stating I owe them thousands of dollars. Even though I've contacted them several times they continue to harass me. They are fragrantly and deliberately violating my rights under the Fair Debt Collection Practices Act.
Product: Mortgage

Wells Fargo staff Ms. XXXX, Mr. XXXX, XXXX XXXX, XXXX XXXX and their XXXX XXXX XXXX, and XXXX  XXXX XXXX. Involved themselves in several incidents of fraud by deception. I have recordings and provided the attached documentation to Mr. XXXX prior to going to court. Mr. XXXX upheld the docs at the termination hearing. However, Mr. XXXX wasn't informed of what type of home I owned. Therefore t made me quite suspicious that he was stating before the court asking for early termination of loss mitigation? However, he was aware of what type of home I owned. 

Please see the attached correspondence for the explaination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : BBY/CBNA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DSNB MACYS XX/XX/XXXX and XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card or prepaid card

Hello. This is a follow-up case to a previous CFPB investigation ( case ID XXXX ). Merchant PLASTIQ concluded the previous investigation and agreed to issue me a refund for a failed delivered cheque, whose payment ID was XXXX. In the resolution, Merchant PLASTIQ provided a credit slip but after a prolonged waiting, I have yet to see the refund showing up on my credit card. I contacted my credit card company XXXX, and they claimed they had *NOT* seen any refund in the amount of {$1200.00} incoming to their Visa network, from PLASTIQ. Therefore, I'm raising a follow-up case to investigate the refund process, and if the funds had been sent down to XXXX ( i.e. refunding a charge on my credit card ). I am including the statement copy of XXXX, up to today, for reference. If a credit card refund is not feasible, please mail a check payable to the cardholder, XXXX XXXX, to XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, PA XXXX. Alternatively, please direct deposit the refund to my checking account with routing ID XXXX and account number XXXX.
Product: Credit reporting or other personal consumer reports

XXXXonsumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilles with fairness, impartiality, and a RESPECT for the consumer 's RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system I never gave my expressed, written consent fle these consumer reporting agencies to report my information, which violated IS U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 Us. Code 1631c-2. These accounts are notrelatedtoany
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate Negative Remarks : The negative remarks associated with this debt are inaccurate. Dept of Education has failed to provide any documented proof to substantiate these negative details. Additionally, there has been no legal correspondence or opportunity for me to defend myself against these negative entries on my credit report. This lack of evidence and due process is a direct violation of my rights under the FCRA. 
Incorrect Reporting of Daily Transactions : The daily transactions being reported are inaccurate and misleading. I do not have any contractual agreement with Dept of Education that authorizes the reporting of these transactions, nor any agreement that specifies the terms of such reporting. The reporting of late payments is particularly egregious, as I have no contract that stipulates these terms, making any late payment entries invalid. 
This debt was federally discharged in XXXX, as per the official discharge order issued by XXXX XXXX XXXX XXXX Despite the discharge, XXXX, Equifax and XXXX continues to report this debt, which is in clear violation of the FCRA. This not only misrepresents my financial status but also causes undue harm to my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit report was pulled from XXXX financial institutions. Those companies that are reporting on my XXXX Credit report are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Credit Acceptan. 

As well as XXXX XXXXXXXX on XX/XX/XXXX I have received my own financing from my bank XXXX where they gave me a check for the total amount for the car I was purchasing. I never gave XXXX or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank. 

Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

1. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3.The Following Account Was A Charge-Of. Balance should be XXXX. 
XXXX Account Number : XXXX The Following Account Was A Charge-Of... 

* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Vehicle loan or lease

I have a auto loan with credit acceptance and they did not abide by the right laws of this loan its too much I couldnt no longer afford the loan and car had got repossessed, and then I found out that there were more fees attached to this loan than was told to me on paper
Product: Debt collection

XXXX XXXX filed plaintiff against me without sending me a proper paper work after I filed dispute of the amount stated I owed. I have the copy of the fraud paper work I send to them and one pages was being notarized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX was opened on XX/XX/2006. Shows a balance of {$10000.00}. It is over the 10 year limit on being on a credit report. I would like to request to have this item removed from all my credit reports from all credit reporting agencies. 

Thank You
Product: Credit card or prepaid card

On XX/XX/2020, I had purchased tickets for a baseball game from XXXX using my Citibank card. Subsequently, the games were cancelled, and the tickets were never delivered. 

On XX/XX/2020, the president of XXXX, XXXX XXXX XXXX, sent an email affirming that customers with cancelled events have two options : to receive a full refund, or to receive a coupon. 

On XX/XX/2020, XXXX customer support sent an email saying that the event had been cancelled, and they were offering a coupon, not a cash refund. That same day, I attempted to contact customer support via chat to arrange a refund. I was kept waiting for hours and then disconnected. I sent a message to XXXX customer service requesting a refund, using their web-based customer support interface. No response was ever received. 

So, on XX/XX/2020 I initiated a dispute for the transaction with Citibank. On XX/XX/2020, it was resolved in XXXX XXXX favor without explanation. The dispute interface shows a link that " provides details about the resolution '', however, the link goes to a page with no information. 

Furthermore, they have a " Secure Message Center '' that does not allow customers to send messages. I contacted a representative via their chat interface, but they couldn't tell me why the dispute was resolved the way it was, nor any steps to redress the situation.
Product: Money transfer, virtual currency, or money service

I cant go to a store to add money to my cash app card! A woman at one of the stores advised me I didnt have a barcode on my app that allows that to be done. The only way for me to add money is to transfer it back and forth digitally and it charges me fees to do so.
Product: Credit card or prepaid card

This concerns a XXXX  master card. I never received an XXXX statement. This is a new account for me. So when I INSISTED they send me a copy of the statement,, they finally did. With charges I dont recognize, and can not verify. For example, there are XXXX large supposed purchases on the same day - XX/XX/XXXX, to XXXX XXXX. They wanted me to make a payment over the phone, without even having looked at an actual statement! There is something very fishy & corrupt going on here. I feel that I have been treated unfairly, and bilked. Once I had gotten the statement, I was no longer able to contact the company. I am unable to make a copy of this statement to you, as my printer isnt working. I can get that info to you some other way, if you need it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX letters to discuss settlement options of the balance I allegedly owe with their company on XX/XX/XXXX and XX/XX/XXXX. No response in any form from XXXX for either offer letter. 

Per phone call on XX/XX/XXXX XXXX According to XXXX XXXX XXXX XXXX XXXX balance allegedly owed sent to Delta Outsource Group on XX/XX/XXXX. 

Balance $ XXXX Still listed on credit report/reported to credit reporting agencies for balance allegedly owed as of this date by XXXX even though they no longer own the debt. 

I requested from XXXX XXXX ( Corporate Office - XXXX, KS ) a copy of the documentation that the debt was sent to Delta Outsorce ; refusal by XXXX XXXX of XXXX to provide mailing address of Delta Outsource or documentation that debt ( or management of such debt ) had been transferred or sold to that company. XXXX confirmed my address and confirmed the address was sent correctly to Delta Outsource.

Informed XXXX XXXX the charged off debt with balance due is still listed on my credit report even though they no longer own the debt. XXXX verified this information. 

Informed XXXX XXXX that if a creditor no longer owns the debt, they are legally under federal statute not eligible to report the debt or any balance associated with the debt to any external credit reporting agency as that is " double reporting '' - Violation of Fair Credit Reporting Act - Violation of Fair Debt Collection Practices Act XXXX stated he understood my complaint and XXXX 's violation of the FCRA & FDCPA ; no response or rebuttal to complaint. XXXX verbally stated his and XXXX 's refusal to remove information from credit report even though they no longer own the debt. He stated they are reporting accurate information. 

**** As indicated by XXXX XXXX, debt had been sold to Delta Outsource on XX/XX/XXXX. I had never heard of this transfer before nor the company. Delta Outsource is under federal requirements as a debt collector to contact me within a certain timeframe in writing regarding the balance allegedly owed and collection efforts. I have never heard from Delta Outsource and as such, the debt collector is in violation of FDCPA.
Product: Payday loan, title loan, or personal loan

Your company is reporting an account on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. 

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally.
Product: Credit reporting or other personal consumer reports

Informed XXXX XXXX XXXX XXXX that this was included in bankruptcy.
Product: Money transfer, virtual currency, or money service

I had just bought a new phone and i was trying to access Venmo to transfer some money to pay some bills. After attempting to log in a received an error message ( OAuth2 Exception : Unauthorized action ) and no matter what i do i am unable to log in ( different browsers, changing password, etc. ). I've spoken with Venmo IT twice now and they have not been able to offer an answer that solves the problem. After further research on the issue, I've realized that people across the country are experiencing the same issues and have been for months.
Product: Mortgage

Freedom mortgage initiated telephone solicitation to my phone line. I have since made multiple requests for a copy of their internal do not call policy pursuant to 47 cfr 64.1200 and to have my number added to their internal do not call list. 

I have not received confirmation of either as required by the CFR 's The underlying asset is a federally backed mortgage.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was stunned to see inaccurate accounts listed, and I have no explanation for how they got there. I do this regularly, but out of nowhere, these errors popped up. I refreshed the browser, hoping it was a simple glitch, but that wasnt the case. The incorrect information remained. Thats why Im requesting that the documents Ive submitted be thoroughly reviewed so I can stop stressing about this.
Product: Credit reporting or other personal consumer reports

I have been attempting to get financing from several institutions that have stated in their denial, that my credit was denied due to EQUIFAX being unable to identify me. 

I have a recent version of credit report which has the accurate up to date information on it however, which is the same info used on my applications. I had contacted XXXX XXXX XXXX who informed me Equifax doesn't have my number on file therefor they can not approve me financing. 

Equifax provides no method of adding my number to any such system of there's to allow approval of credit through one of the institutions that use this terribly flawed system employed by Equifax. Equifax has caused significant financial harm and distress to me myself because of the inability to provide adequate service to me as well as the institutions paying them.
Product: Vehicle loan or lease

PURCHASED NEW VEHICLE FROM XXXX XXXX FINANCED THRU BANK OF AMERICA. MADE ON TIME PAYMENTS FOR 6 MONTHS OVER {$1300.00} A MONTH WITH XXXX XXXX  STATEMENTS TO PROVE IT. THERE WAS AN ATTEMPT TO REMOVE THE LIEN FROM THE TITLE 3RD PARTY FRAUD. BANK OF AMERICA CLOSED MY LOAN IN GOOD STANDING SENT IT FOR CHARGE OFF COLLECTION AND REPOSSESSED THE VEHICLE EVEN WITH THE LOAN BEING CURRENT.