23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/2021, I made a car payment using XXXX XXXX to pay on the loan that I have with Fifth Third Bank the payment that was made had cleared XX/XX/XXXX. On XX/XX/2021, Saturday at approximately XXXX in the morning I received a call from Fifth Third Bank demanding payment on the loan, I explained to the person on the other end of the phone that I did make my car payment they refuse to hear me out and just demanded that I tell them when I'm going to make the payment. On Monday the XXXX I contacted Fifth Third Bank and talk to customer service and all they wanted to know is am I going to make my payment for XXXX, and when I informed them that I already made the payment on XX/XX/XXXX they gave me 24 hours to prove it or pay and I was to use this reference number XXXX. 

I have three car payments left and planned on paying the car off after this payment and they are aware of this, I feel as if I'm being blackmailed into giving Fifth Third Bank an extra payment.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XXXX XXXX, XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XXXX XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX
Product: Vehicle loan or lease

I got approved for a car loan. The dealer didnt tell me how much it would be for or a month in payments. It would up being {$600.00} for 60 months for a {$18000.00} car. Mind you I put $ XXXX down when I bought it. XXXX XXXX XXXX NJ no longer in business and check out this their XXXX reviews didnt tell me but they added a ton of fake/ nonexistent warranties to it. Never once was I told the total loan amount. Fast forward 4 months later I couldnt afford the payments. I missed 2 and they came and took the car. No notice no warning no note. I never received anything about it going to auction and it still had a ton of my personal belongings in it. 1 being my personal laptop and camera. They still are reporting it as a charge off on my credit.
Product: Mortgage

I was receiving help from a local XXXX, GA company located downtown about being behind on mortgage payments in 2018 to Wells Fargo. After submitting all the required information as requested by multiple associates with Wells Fargo we were informed that our efforts did not meet the deadline, and Wells Fargo foreclosed on my property in XXXX of 2018. The representative who provided assistance from XXXX, GA attempted to contact higher management at Wells Fargo in XXXX, GA to present all documentation, faxes, and email traffic which disclosed I could have made multiple payments {$2200.00} to stop the action but we were notified not to proceed with the action until further information was processed to ensure accuracy with my account. I was behind three months which at the time was roughly {$3300.00} and my three daughters and I were uprooted from our home of eight years based on someone's negligence or lack of concern for another individuals plea for help.
Product: Credit card or prepaid card

Company : American Express Product : Gold Delta SkyMiles Credit Card On XX/XX/XXXX, a " removal of credit balance '' charge for {$81.00} posted to my account. This cleared a credit balance of ( {$81.00} ) on my account. I inquired about this charge a few days later and was told that a check had been sent to me. 

After a few weeks, the check didn't arrive. I figured it may have gone to the wrong address, as I was moving to a new residence around that time, so I contacted the company again. I was told that a new check would be sent to me. I asked the company to confirm the address that the check would be mailed to, and they read my new address back to me. 

After a few more weeks, this check hadn't arrived either. I contacted the company a third time, was told that a third check would be issued, and confirmed the correct mailing address again. 

A few weeks after that ( it's now sometime in XX/XX/XXXX ), I  called back again, as I'd seen no trace of the third check. I was told that I could receive the credit balance refund as a wire transfer to my checking account instead of a check. A wire transfer for {$81.00} appeared in my checking account on XX/XX/XXXX. 

After this, I went back to check my credit card statement and noticed that a charge of {$81.00} was posted to my credit card on XX/XX/XXXX. I now had a debit balance of {$81.00} on my card. I called American Express to inquire about this charge, and was told by the representative that they would submit a claim to the disputes department, and that the claim would be resolved in 7-10 days. 

The claim was subsequently rejected, and the debit balance remained. I called back a couple more times, with the same result ( call in, representative submits a dispute claim, claim gets rejected 7-10 days later ). I've tried to escalate, but the last two times I was told that 1 ) no managers were available at the time I was calling ( when trying to escalate to the 3rd-level representative ), and 2 ) all the supervisors were in a meeting and unavailable to take calls ( when trying to escalate to the 2nd-level representative ). One of the times that I called in, I was told that one of the refund checks had been cashed in XX/XX/XXXX, but I have never received a single refund check, so the only way this could have happened is if I had been a victim of mail theft. 

It's now been four months since the original credit balance removal charge, and I have still not gotten a refund for it. I've lost count of how many times I've contacted the company ( more than 5 ), but I have not been able to resolve this issue with them.
Product: Debt collection

This case has been closed by the Consumer Financial Protection Bureau. The CFPB case numbers are XXXX and XXXX in year 2023. 

They have sent me a notice again on XXXXThe I.C. reference No is XXXX. I have no idea why this company is sending me a notice again. 

They are trying to charge me for something that I haven't used. Please take some action against them, since I had already provided my points in CFPB case numbers are XXXX and XXXX. I don't want their tortures.
Product: Debt collection

On XX/XX/2018, I sent Rash and Curtis a cease and desist letter via certified mail. It was signed on XX/XX/2018. To date, Rash and Curtis is still reporting collection activity to all three Credit Bureaus and have not been in compliance. they are in violation of the FCRA and FDCPA
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX OF XXXX XXXX Balance Owed : {$0.00} Original Creditor : XXXX XXXX Balance Owed : {$1000.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. 
Please update my address : XXXX XXXX XXXX, XXXX, NC XXXX Please update my name to XXXX XXXX My only social security number is XXXX My only correct date of birth is XXXXXX/XX/year> My only employer is XXXX  I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses from my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, Enclosed is my Drivers License and Proof of Residence.
Product: Credit card or prepaid card

I received a credit monitoring alert at XXXX in the morning from my Chase XXXX banking app, that there had been a NEW hard inquiry placed on my credit report from XXXX XXXX. on XX/XX/2024 I called XXXX ( the bureau that alerted me ) and had a Fraud alert placed on my XXXX account. 

Next I called XXXX XXXX and spoke with their fraud department and was told there was nothing I could do but dispute the hard inquiry with XXXX. 

I was told by the XXXX XXXX fraud agent, that it was probable that my social and other info was being used by someone else to commit fraud, and that there was nothing he could do. 

He mentioned that he could not find any accounts with my social, name or phone number. 

I have indeed disputed the hard inquiry with XXXX and was told it would be removed from my credit file within a few days.
Product: Prepaid card

I bought a XXXXXXXX XXXX XXXX and it has not worked at any of the stores I tried to use it at. I called the company and they said they would " reset '' the card and that that would fix it. I waited an hour as instructed and the card still does not work. I have called in again and they have not provided a process to fix or replace the cards.
Product: Money transfer, virtual currency, or money service

I do personal sales as a hobby in XXXX. so I had to open a paypal account. I opened a paypal account on XXXX. I approved my credit card on the same date. I made a sale on XXXX on XXXX  and received my payment. After that XXXX date I made a sale again on and got my payment. XXXX  products hold funds until customer is delivered. I added my bank account on XXXX and it was approved. paypal wanted my identity document date on XXXX sent the same day and confirmed. I made a resale on XXXX  on XXXX. Released my XXXX  funds on XXXX. I wanted to withdraw my money. and paypal closed my account without emailing me. same day from me identity document, supplier invoice and cargo information of the products I sell. i sent them all. then I spoke to a customer representative for live help. and told me to wait. 2 days later I entered my account. completely closed my account without sending me an email. paypal confiscated my XXXX dollars money. and he said I couldn't get this money for six months. how this happens. I re-entered my account on XXXX and this time he asked me for a photo of my ssn card. said the numbers should look. I sent my ssn card and ID again. these are not a bank. why he wanted to use my documents many times? and again approved my papers. but still did not release my money. I called them many times. I've e-mailed 5 times. i wrote on XXXX and XXXX. they never answered my mail. they never told me an excuse. they just confiscated my money and said wait 180 days. this is not true. and never not transparent. they confiscate people 's money. I don't want to use them anymore. and i just want my money back. XXXX dollars is a big money. I am not rich. I am a worker in XXXX. i need this money. I made expenses for these products. and that was all my money. I have no money to hire a lawyer. please help me. I did not do anything bad. i sold shoes only. how do they do this after I have approved all my documents. he has to ask for paperwork when opening an account. but paypal never does that. confirms account first. requests paperwork after money arrives and closes account. this is never true. they asked me for all my legal documents even though they were not a bank. Please help me please Paypal account XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # 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. 1681 section s-2 ( a ) ( 1 ) ( A ) states 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 reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX XXXX, XXXX, and TransUnion credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

I have written letters and made phone calls to Nelnet LNS in efforts to dispute late payment marks that have been placed on my credit report ( s ) even though there is currently a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX 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 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 months that reported late 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. 


XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX I received an email from Wells Fargo that there was fraud detection coming from my checking account. I checked, and saw that there were 8 transactions equating to {$630.00}. They include : 1- {$10.00} ( XXXX XXXX ) 2- {$7.00} ( XXXX XXXX ) XXXX {$46.00} ( XXXX  ) 4- {$120.00} ( XXXX ) 5- {$97.00} ( XXXX ) 6- {$20.00} ( XXXX XXXX ) 7- {$64.00} ( XXXX XXXX XXXX ) 8- {$260.00} ( XXXX  ) As soon as I saw these transactions were pending, which werent made by me, I immediately called the freud detection number provided on the email. The guy had me read out all of the amounts to him so he could file a claim, he deactivated my card, and said he was going to ship a new card to me. On XX/XX/XXXX, XXXX of the transactions got approved ( the XXXX, XXXX, and XXXX ). Because of this, I called the bank again and asked why they got approved if my card was deactivated and they gave me {$64.00} back onto my account as card provision. The rest of the 6 amounts were under investigation. I then called the bank on XXXX  and asked for a status on my claim, and they said it was closed, yet they never sent an email or any notification. I asked why it was closed and if I would get my money back and they said my claim was denied. I went back and looked and saw that the one single purchase of {$7.00} at the pod market was actually me, but I wasnt aware that it got added to the claim, so because my card was chipped, accepted, and was in the hands of me when all of these transactions occurred, the bank denied my claim request because they said that I made a mistake of putting one of my actual purchases on the claim. While I do accept responsibility for mistakenly adding that purchase to the claim due to the fact that I was reading off all of the pending purchases to the man on the phone, this happening to be one of the pending purchase, I do not feel as though my entire claim should be denied, and that I should lose all of that money that was not spend by me. If they went in and investigated all of the other 7 transactions they would see that none of them were made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, AccountXXXX, 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 an account without my written instructions.

This is a fraudulent account ; I did not open any account with this company.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate : 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, credit repair services, or other personal consumer reports

Fruad account account was deleted twice from credit report then keeps reappearing mid XXXX XXXX XXXX XXXX   creditor change name to the back of Missouri and readded account with the same account number that was deleted I attached proof Amount XXXX XX/XX/2015 account was open
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter to TransUnion and I asked them to verify the bankruptcy thats on my credit report. I also asked if they can provide supporting documents. They failed to provide me with supporting documents and they did not fixed the problem. They sent me a second letter claiming that I am using a credit repair company. If TransUnion can not show how they verified the bankruptcy on my credit report, I am demanding the I information to be deleted.
Product: Credit card or prepaid card

On XX/XX/2022 and XX/XX/2022 I made XXXX purchases on my Capital One Credit Card. These were deposits to XXXX French mountain huts for an upcoming summer hiking trip ( {$12.00} and {$21.00} ). These were not cash advances. I utilized a company called XXXX XXXX XXXX as the huts did not have the capability to take payment directly via credit card. In checking my online statement, Capital One treated each as a cash advance. I called them to ask them to remove the fee as in no case was this a cash advance. It was a deposit to secure lodging in XXXX. I called Capital One on XXXX the XXXX of XXXX and again on XXXX or XXXX  the XXXX or XXXX to attempt a resolution of this issue. They told me they would not be able to remove the fees and it is up to XXXX in how they classify the transaction. They mentioned the XXXX - XXXX XXXX XXXX. Capital One told me they are just the issuing bank and that they have no discretion in whether to issue the cash advance fee and they suggested I call XXXX. I contacted XXXX and they told me they have no control over how the transaction is classifed by the issuing bank or the credit card company, in this case XXXX. So the only resolution I obtained from XXXX is that they would provide a " gift card '' for the fees I paid to XXXX that I can use on a future XXXX transaction. This credit would be added to my XXXX account. To be clear, the transactions processed by XXXX were accurate and processed correctly. I am not disputes the {$12.00} and {$21.00} charges on my Capital One XXXX. Those are valid. My issue is with the XXXX separate {$10.00} cash advance fees that Capital One charged in conjunction with each transaction. I am unable to get resolution ( specifically the removal of {$20.00} total in cash advance fees that were charged ). Your assistance is appreciated in getting these fees removed. I went ahead and paid Capital One because I did not want any interest to accrue as Capital One is treating them as cash advances. I thank you for your review and am available to answer any questions you may have. Please see attachments, including my Capital One charges and online chats with XXXX.