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

On XX/XX/23 I sent notification of identity theft on my credit report to XXXX, XXXX and Equifax. I included all accounts that were fraudulent as well as supporting documentation. Police report and my drivers license. I filed a complaint on identitytheft.gov and forwarded the information to the bureaus and the companies reporting.
Product: Debt collection

I received a collection letter from Omnipoint about a bill I did not authorize. This is my first time hearing about a bill from XXXX. This company is harassing me for something I dont owe and I will file a sue against this company and XXXX for harassing me for a charge I dont owe
Product: Debt collection

XXXX XXXX XXXX XXXX  Creditor ID : XXXX Was x-rayed for falling on shoulder. This was approved by the VA and they will pay. But they are trying to collect from me. This has happened before and they submit the bill to the wrong VA site for payment. I have told them the correct site but they don't get it.
Product: Credit card

Hi CFPB, Hope all is well. I am writing regarding my Wells Fargo credit card. It is ironic, now after the truth surfaced regarding the questionable Wells Fargo 's moral compass. I have solicited WF 's help multiple times over the course of the past couple of years, stating over and over how I never needed the card, and barely use it anymore. I was paying the minimum, which is an acceptable form of payment, unless of course the exorbitant interest charges and " late '' fees continue to accrue. Not to mention they reduced my credit limit WITHOUT my consent, seriously damaging my credit. I asked in XXXX of this year what my options were, specifically expressing interest in a balance transfer, or the card they partnered with XXXX. ANTHING to help. While I will give WF credit on their customer service in other areas, I am so disappointed after being a loyal customer for 15+ years there is no option,
Product: Credit reporting or other personal consumer reports

These are the accounts that I have reported as innacurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to obtain my XXXX  XXXX XXXX credit card information since XXXX or XX/XX/XXXX. The missing information includes : - Account Type - Status - Credit Limit - Terms - Balance Updated - Recent Payment Amount My FICO score has been lower than previous months since then. 

Action I took : ( 1 ) I contacted XXXX  XXXX XXXX by phone on XX/XX/XXXX and was told to file a dispute with Experian. Other credit bureaus were getting the information without any issues. 
( 2 ) I contacted Experian using the online dispute platform on XX/XX/XXXX about the situation, and submitted evidence for my active XXXX  XXXX XXXX credit card account. 
( 3 ) I got a response on XX/XX/XXXX saying the dispute was resolved. However, the information was still not showing in the credit report. I filed a follow-up dispute on the same day. 
( 4 ) I got another response on XX/XX/XXXX saying the dispute was resolved. The status on file did not change at all. Information is still missing on my credit report ( please see the attached file ). 
( 5 ) I contacted XXXX XXXX XXXX with the phone number provided on the Experian dispute report. The hotline does not transfer me to any associates to help me solve the problem. 

I am unsure that filing another follow-up dispute would help. I have few options than to file a complaint with the CFPB to follow up the dispute. Thank you.
Product: Credit reporting or other personal consumer reports

TransUnion 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 XXXX, alleging systematic issues such as failing too forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These are the same failures Im experiencing with TRANSUNION, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting that TransUnion either removed the late payments on remove the following accounts from my credit/consumer report : XXXX XXXX and the other account is XXXX XXXX, remove these disputed accounts as TransUnion inaction violates Federal Law and my rights as a consumer.
Product: Credit card

My credit card was lost and then the new card was compromised from shopping online I reported the fraud to capital one but not realizing I paid charges that were not mine to the tune of almost XXXX over the months that I did not realize my card was being used not only by me but by someone committing fraud capitalone policy is that you will get your available credit back as soon as they finish there investigation I got my credit back last month I still have a {$3000.00} surplus on my account that is mine and they are refusing to refund it to me telling me that there is still an investigation going on my representive is named XXXX a totally nasty man who calls up and tells me that there was no fraud on my account because they did not go max out the card at XXXX XXXX I do n't know what criminals do I 'm not one I explained to him I just want the money due back to me that 's on my account it 15 days shy of there 90 grace period and no work is being done on my account there stalling because they do n't want to refund me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Product: Payday loan, title loan, or personal loan

My original loan ( Account # XXXX ( XXXX XXXX ) ) was scheduled to be paid off XX/XX/XXXX. When I logged into their website, it was advertised that I could " Skip a Payment ''. Which I elected to do, XX/XX/XXXX. As it was near XXXX, I thought this would be beneficial for my family. It turns out that skipping a payment meant refinancing. Which was an option I've declined several times. Since then a new line of credit was opened for {$480.00} and now I'm stuck in this same rabbit hole, with a payoff date in XX/XX/XXXX. This company is extremely unethical and misleading when providing payment options to it's customers. I did speak with XXXX with the resolutions department, and she was of no help to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is my problem, I will paste it. " Lack of real estate secured loan information '' This is one of the reasons my credit score is low and I am paying higher interest rates, according to transunion credit score. Why should i have a hit on my credit score for owning my house? This needs to be stopped now or maybe the people need a classaction lawsuit 5o get it corrected.
Product: Debt collection

HRRG collections contacted me about XXXX medical bills they say I owe XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. I asked them to send me the statements since my I was insured and the bills exceeded my max insurance deductible. I still have n't received anything in the mail. the other day outsource contacted me about the same dates. saying I owe {$1300.00} and HRRG is saying I owe {$2500.00}. HRRG then called me today saying what I owe and when I asked why there was difference the woman got hostel and started yelling at me then I asked for the medical bill so I can take it to my insurance company and ask why I did n't get notified and why it exceeds my deductible. and the woman starts yelling at me and saying that sent this last year she was screaming something I need to contact someone else about and the company I do n't know she was yelling at me so much I did n't understand. I just want proof of what I owe and why. Not to be treated like a child and screamed at. both companies are claiming there collecting for the hospital. and when I to the HRRG lady this she said she mistaken she was collecting for the doctors not the hospital. at that point i hung up just seemed like a scam.
Product: Debt collection

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Product: Student loan

When you arr on a IDR payment plan, if your payment doesn't cover the monthy interest, the interest your payment doesn't cover us suppose to be wrote of so your loan doesn't keep increasing. The was done correctly before covid pause but since the pause ended Mohela is not doing this. Every month my interest keeps increasing, XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX. They tried to tell me it's a timing difference but it's not it keeps increasing and increasing, never being wrote of.
Product: Credit reporting or other personal consumer reports

According to my XXXX report On XX/XX/XXXX there was a XXXX XXXX XXXXXXXX opened and listed on my report with a balance of {$500.00}. There was a XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a {$0.00} balance. There was also another XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a {$0.00} balance on it. There was a XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$0.00}. Ive made several claims about these incorrect reports on my credit report and nothing has happened.
Product: Money transfer, virtual currency, or money service

XX/XX/year> : I attempted to add {$600.00} to my CashApp card using my TD Bank debit card. Since I had less than this amount in my bank account ( I only had {$470.00} ), my bank rejected it. However, when I checked my bank account balance, it was at exactly {$0.00}. I investigated further and CashApp took my the entire {$470.00} balance even though I never requested this amount. Furthermore, my bank rejected several attempts of mine to add funds because I did not have enough. Screen shots attached. 

I immediately contacted CashApp through chat option. Dismissive representative. Did not understand my concern and could not wait to end the chat. Suggested someone had hacked my bank account/ CashApp even after repeatedly saying this is NOT the case. I contacted my bank, TD Bank, and they stated multiple times that the transaction is PENDING and thus, they can not help dispute it. They told me to reach out to CashApp and tell them to release the hold. I called CashApp this time instead of chat, and they placed a " ticket ''. Manager said transaction will drop in XXXX business days. It has been XXXX business days and it is still pending in my account. I still do not have my money, and no one knows where it is. This is straight up thievery in my opinion. I am not a rich person by any means and every dollar helps. Institutions like CashApp who DO NOT care about their consumers should be a taught a hard lesson.
Product: Credit card

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are Picture I.D, a bill, and letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt final rule 1002.142 ( b ) ( 4 ) -5 -- 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, Pursuant to section 605C of the Fair Credit Report Act. i have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. i have provided all needed documentation as well as a victim Determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

The corporation 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 XXXXXXXX ) XXXX. These accounts are being reported fraudulently, per the FCRA. XXXX XXXX XXXX ( b ), 15 USC 1681b these had no permissible purpose, legal and lawful consent to report anything on my consumer report. Then per 15 USC- 6802 this corporation did not get written permission from me to report anything on my consumer, sell, trade, or report this third-party XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX my private nonpublic sentative information from XXXX corporation to another without legal and lawful consent and authorization to do so. This is identity theft, this is Conspiracy Title XXXX XXXX XXXX XXXX XXXX XXXX CHARGED OFF BOTH OF THESE ACCOUNTS which means they received a tax write off from the IRS. XXXX is reporting both accounts monthly for a period of 38 months combined. XXXX XXXX XXXX XXXX is reporting both accounts as a charge off and did not provide me with a XXXX for both account after they receive a profit lost and a write off as payment from the IRS. This is tax evasion and a XXXX.
Product: Credit reporting or other personal consumer reports

A service hired by XXXX XXXX  to handle delinquent accounts during the pandemic, is not accurately reflecting agreement reached, payments, made, or indebtedness. If I paid the full debt, at a reduced speed, there was to be no negative report. I complied, in fact, paying it off around a year earlier than the plan. When a {$100.00} past due error was discovered on my credit account, I called and confirm with TD that my account was paid in full, and their records accurately reflected this. Their service provider, XXXX XXXX XXXX retaliated against me for calling them out for inaccurately reporting that I had this amount remaining due. They updated my credit report to instead claim that over two thousands dollars has been written off, and are challenging my disputes.
Product: Checking or savings account

I had seen that there was a couple charges by the same company on my account so I disputed a couple of them once I did that it cut my physical card off and said they'd mail me one which I may add I did that on XX/XX/XXXX My card isn't scheduled to arrive until XX/XX/XXXX that's ridiculous but I didn't mind because I knew I had a virtual card and my bank link to it so I could transfer money like that come to find out they blocked locked and disabled my virtual card and apparently my account as well because I have funds but I can't link it to a bank when I link it through the my other bank it says it's successfully has been linked I get a email even saying that my banking account was linked to credit karma but when you log onto credit karma it says nope we came up came into a snag contact customer service there ain't nothing on my account no banks linked even though it says it's linked through my email I received from my bank bank and I've called called cold cold cold chatted chatted chatted chatted and they're telling me to contact XXXX no it's credit karma 's fault credit karma is doing all this making charges not letting me access my money they're not supposed to be allowed by law to keep my money hostage especially if there's not nothing holding it but nope I finally called over the phone let 's see it was XXXX and XXXX hours total I was on phone trying to get a hold of somebody got a hold of somebody got hung up on transferred all kinds of stuff but when I called over there automated phone when I put in my info to pull my account up it says my account 's closed but when I chat or talk to a representative they promise me it's not but I can't use it at all they won't grant me access to my account and it's wrong it's so wrong and I need to feed my kids and find somewhere to now live with XXXX smaller children plus XXXXXXXX XXXX XXXX XXXX XXXX cuz I couldn't access my money to pay weekly rent so homeless straving n still cnt use my money
Product: Credit card or prepaid card

My child support goes thru Way2go card. On XX/XX/XXXX a deposit from XXXX XXXX card was attempted but due to my error I didn't have all of my checking account number so the transfer can be completed. On XX/XX/XXXX XXXX XXXX XXXX XXXX rejected the transfer and sent it back the way it was sent. The tracking number that was provided from XXXX XXXX XXXX XXXX that show that they return the money back to Way 2 go card is XXXX. I file a complain with Way 2 go card on XX/XX/XXXX They sent me packet to fill out. Also during that time I was calling to make sure that I was getting the right information. That following Wednesday I was told to go to my bank ( XXXX XXXX XXXX XXXX ) to get a letter stating that it was rejected and fax it to XXXX and to wait 48 business day for the fax to received. I found out later that this was the wrong fax number XXXX. I received the paperwork on XX/XX/XXXX and mailed it on XX/XX/XXXX with a copy of the bank stating that they rejected. I then turn around and fax the bank letter to the correct fax number.. On XX/XX/XXXX I was told my case was closed and to contact my bank by call XXXX. I was assured by my bank they rejected. With way 2 go card I'm constantly transfer around the longest that I have been on hold is 4 hours waiting to speak with someone in pending dispute. I'm getting transfer to wrong department or I just get hung up. I'm disputing that {$1000.00} dollars haven't been placed back into my credit. Its seem as the Way 2 go card doesn't want to help me. Plus I'm being charge IVR of XXXX each time I call to get assistance with this account I have been charge nine time for XXXX for assistance on getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX Experian, XXXX, XXXX, between XX/XX/2021, until today regarding misinformation and claim of debt. I was not notified of the collection by XXXX. and XXXX. I do not have documentation from any courts regarding a rental debt. Experian, XXXX, XXXX refused to provide validation of the debt and certifying information regarding this debt. They refused to conduct a proper XXXX compliance investigation. Failed to provide judgment information regarding alleged rental debt and result in damages for obtaining credit. They also refused to provide all documentation utilized regarding this collection that is a statement as " Validated according to FCRA. '' They also continue to renew the date of delinquency. I also was not provided any information regarding rental history with stated unit regarding alledged debt and delinquency from the time frame it was listed or before it was listed. The total debt alleged is {$2800.00}.
Product: Mortgage

I am the original owner of my home which was purchased in XXXX. In XXXX, I did a home equity line of credit and did a quit claim deed, adding my husband to the mortgage. In XXXX XXXX, the husband refinanced the mortgage unbeknown to me. I had received preliminary foreclosure notices from XXXX XXXX XXXX in XXXX. When I contacted the bank to discuss the notice, I was informed that they could not speak to me because I was not listed on the mortgage. I requested documentation from the bank to validate their statement. I received from the bank a copy of an " Original Promissory Note '' which only indicated the husband 's name, signature and initials. I was not aware of, nor a party to the refinance closing transaction of said property on XXXX XXXX, XXXX. My name nor signature is not present on the binding agreement known as the " Promissory Note '' dated XXXX XXXX, XXXX. I have submitted an affidavit to XXXX XXXX XXXX, as a sworn document, dated and notarized, XXXX XXXX, XXXX. 
XXXX XXXX XXXX has transferred the loan to Bayview Loan Servicing , LLC in XXXX XXXX. I was notified by Bayview Loan Servicing LLC, of a default for an Unsecured Instrument, which I have not signed. Bayview Loan Servicing LLC, has retained, XXXX in XXXX, Ga, as the representing party of Servicer. There is definite violations of the Federal Truth-in-Lending Act. I was not aware of the refinance transaction, not a party to the closing of this transaction and there 's only one name and signature on the " Promissory Note ''., which is not mine.
Product: Money transfer, virtual currency, or money service

I was scammed by a person who reached out to me on a dating website XXXX. This was around XX/XX/XXXX. They proceeded to text, email and phone me for one month, saying they were building in XXXX, and then said they were robbed at gunpoint on XX/XX/XXXX. They then asked me for money to help them, after they had gained my trust. They said I would be paid back after they returned home around XX/XX/XXXX. After I wire transferred XXXX $ to XXXX, on XX/XX/20, they disappeared.I have filed a fraud claim with Citizens bank. I am a XXXX XXXX XXXX and this money is much needed.