23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX. 

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

XXXX XXXXXXXX Bankruptcy is listed on my credit report. I didnt file a bankruptcy and I have contacted the court. The court has informed me that they didnt supply them with any ino about me, but the bureau is saying that I indeed have a bankruptcy. It is not being verified because it is ficticious and they have not contacted the court. They are willfully providing false reporting. 
I have submitted a fraud affidavit along with the police report number from the city of XXXX XXXX XXXX and they will not remove all of the listed fraudulent accounts and address and inquiries from my credit report. 
The listed fraudulent info is XXXX  XXXX bankruptcy XXXX XXXX {$11000.00} XXXX XXXX {$4900.00} XXXX XXXX  XXXX {$1600.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$2400.00} XXXX XXXX {$11000.00} XXXX XXXX {$4900.00} XXXX XXXX XXXX {$3700.00} XXXX {$61.00} all XXXX XXXX XXXX XXXX accounts multiple XXXX XXXXXXXX XXXX {$5600.00} XXXX XXXX {$5100.00} XXXX XXXX {$160.00} inquiries XXXX XXXX XXXX XXXXXXXX XXXX Fraudulent addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company calls from nonstop numbers and emails me almost every day and have already sold the debt to a third-party and no longer owns it.
Product: Mortgage

We applied for a refinance with Rocket Mortgage XXXX they were our prior lender ). We were approved and signed closing documents. Three weeks after our close date that is listed on the website ( XXXX ) we are told that the refi has not closed ( even though it shows closed and a payment due ) because of a covid attestation question that was not answered, which I answered last week. We are now being told that even though it shows the loan closed we may have to resign at different terms but noone can give me any info. We currently are showing two open mortgages with two payments due. I am beyond frustrated that even though our loan supposedly closed last month and we were to skip our XXXX payment I had to go in and make a payment half way through the month on the OLD loan that was supposed to be paid off. I have still gotten zero resolution to this and it has been 3 weeks since our " second '' loan has closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my Chexsystems report and found the inquiry below which was not authorized by me : XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit card

XXXX balance of card. 
Have not utilized since. 

Received correspondence months later, of fees on card. 

Impossible for fees to accrue.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX AND EQUIFAX FAILED TO PROPERLY PROCESS MY DISPUTE ON THESE ACCOUNTS. 
XXXX XXXX HAS FALSELY REPORTED TWO ACCOUNTS ON MY XXXX, EQUIFAX AND XXXX CREDIT REPORT WITHOUT PROPERLY NOTIFYING ME AT THE CORRECT ADDRESS OR WITHOUT PROPERLY GIVING ME DEBT VALIDATION. I SENT A TOTAL OF 6 LETTERS WITHIN A TOTAL OF 3 MONTHS BACK-TO-BACK AND TO NO AVAIL NO RESPONSE BACK TO ME. MY FDCPA AND FCRA RIGHTS HAVE BEEN VIOLATED AND I WANT THESE ACCOUNTS DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX DELETE FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX DELETE FROM MY CREDIT REPORT.
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 of 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, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed 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: Debt collection

I began an 8 month lease with an apartment complex in XXXX, CO called XXXX XXXX at XXXX in XX/XX/XXXX. It was set to expire in XX/XX/XXXX and I extended it on a short term basis twice into XX/XX/XXXX. I had numerous problems with the complex involving communication and incorrect information, but after moving out I saw that I had a final amount owed of XXXX. Despite feeling that this figure was inaccurate, I felt I needed to pay it due to the aggressive late fee structure of the complex. I did so on XX/XX/XXXX and followed up with the company. Upon doing so, I discovered I was charged for items that were false and incorrect. I was told I would be issued a check in the amount of {$160.00}, which has been withheld. Instead, the company created a collection on my credit in the amount of my final rent, which as I stated was paid on XX/XX/XXXX. My bank records will reflect that. The company does not issue receipts they indicate they will, does not return phone calls as promised, and has now falsely reported items on my credit. This is dishonest and abusive behavior and has taken months to monitor and is further from a solution than it began.
Product: Payday loan, title loan, or personal loan

I had a personal loan at State Finance in XXXX, IL, which is affiliated with Wallace Management. I always make my payments on-time ( within the 10-day grace period ) and most of the time I always paid extra. I was wanting to pay off this loan early, so when I spoke to the representative on the phone on XX/XX/XXXX or XX/XX/XXXX I asked what the pay-off amount would be as of Friday, XX/XX/XXXX. I said I would have to drop it in the night drop on Friday, XX/XX/XXXX after work as they would be closed by the time I got back into town. The representative provided me the amount and stated that would be fine. I received a call today, XX/XX/XXXX, stating I still owe them {$10.00} for a late fee. 
When I asked what the late fee was for they told me that my payment did not get processed until today ( XX/XX/XXXX ) since they decided they were going to be closed on Saturday, XX/XX/XXXX. I asked when they decided they were going to be closed on Saturday, XX/XX/XXXX and the lady stated they made that decision on Friday, XX/XX/XXXX around XXXX XXXX I am not sure how I was supposed to know that as they did not contact their customers to let them know. She stated there was nothing they could do about the {$10.00} late fee since it was " out of their hands. '' This could very well be out of their hands ; however, it should be management 's responsibility to provide appropriate customer service to the customers. When I told the representative I wanted to contact management, she stated they would not do anything and the only thing they would say is that technically my payment was due on XX/XX/XXXX so I should have had it in there then. They stress to you when you take the loan out that you have a 10-day grace period. If loan payments are due on the actual day, they should not offer a grace period. I know this is only {$10.00} ; however, there is a principle here. As much as I would like to be, I am not clairvoyant, and I do not think any of their other customers are either.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX On XX/XX/XXXX I transferred the sum of {$560.00} to XXXX to assist a friend with her school fees to XXXX, world remit sent me a confirmation on my service complete. It is XX/XX/XXXX and the money never arrived in XXXX. I called world remit and they have been lying and lying and refused to give me a refund. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

nothing they said they only report to the  one reporting place, I need   XXXX   XXXX   to show on all my accounts, it does on one but not all the others , please
Product: Mortgage

Regarding the Wells Fargo settlement. 
Appreciate the help in advance. 

Hello- I currently pay my mortgage through XXXX XXXX XXXX company. 
Several years ago I had inquired about refinancing when rates were low and they mentioned how XXXX was a serviced but Wells Fargo owned my mortgage- felt like such a scam from the start. 
I am simply inquiring if perhaps I am eligible for a settlement. 
Eventually I hope to refinance once rates come back down. 
Please feel free to email or call- my home address is : XXXX XXXX XXXX XXXX, XXXX MD XXXX. 
Thank you much XXXX XXXX
Product: Debt collection

I learned on XX/XX/2021 that a company by the name of XXXXXXXX XXXX XXXXXXXX has placed a collection on my credit reports without proper notification and validation of debt. I have noted this to all the bureaus before and they removed but have re-inserted the debt without notification to me once again.
Product: Checking or savings account

On XX/XX/year> I purchased concert tickets as presents. The website ( ticketcenter.com ) looked legit as I was going through it but unfortunately I did not do my due diligence and check reviews. I was unmedicated for my XXXX at the time so I rolled with the impulse in order to get everything set up for the gift. Things started to look weird once my payment went through of {$420.00}. It was odd to me as they only took a dollar out and then proceeded to take the entire amount out. The website drastically changed how it looked ( became bombed with ads and broken links ) and I was given a prompt that I would not receive the tickets until XX/XX/XXXX. The day before the concert. I immediately contacted my bank to let them know this was a scam/scalpers. They filed my request and asked for any info I had. I sent the emails, the link to the site, and any reviews I could find describing people being taken advantage of. About a week later, the refund request came back denied. In the email they stated I could request any documentation they used for the decision. I called and specifically asked for those documents. The documents in question are the email I was given stating the date I would get them, and reviews. Instead they started a new refund request and denied that as well. I called support again and was told I could no longer try to dispute it. I used my university email which deletes emails after a few months so I no longer have them but my bank does on file. 
It is now XX/XX/XXXX and I still have not received my tickets or any indication I am going to actually receive them. It is quite a bit of money just floating in the air and Id like something to be done about it.
Product: Debt collection

I dont owe this debt to this company Ive never taken out a paycheck loan. 

XXXX XXXX XXXX  Balance {$310.00} Account number XXXX XXXX XXXX XXXXXXXX XXXX {$310.00} Account XXXX
Product: Credit card or prepaid card

In shortI applied for a card that was advertised to me, got approve and received a completely different card, different name, rewards, annual feed, everything. Bank of America is claiming this isn't unfair since the duality of this card is explained somewhere in the terms ( even though not explained in the advertisement materials ) and they are refusing to fix this. 

XXXX XXXX ( and Bank of America ) is regularly sending promotional emails and letters about their XXXX XXXX Visa  Signature credit card. 
Promotional material states a number of bonuses : SPECIAL INTRODUCTORY OFFER XXXX 's Famous Companion Fare + XXXX Bonus Miles Buy one ticket, get one for just taxes and fees ( {$0.00} fare plus taxes and fees from just {$22.00} ) plus receive XXXX bonus miles with this special offer. To qualify, make purchases of {$1000.00} or more within the first 90 days of opening your account. 

which all sounds very appealing. Sometimes you get letters telling you that you are already prequalified for this card. However, somehow hidden in terms there's line explaining that there are actually two different cards not one, Signature and Platinum, and above-listed bonuses are for Signature cards only, rewards for Platinum cards aren't listed. 

After applying for this card you get a message confirming that you're approved and a couple of days later you receive a card. Now this is when you find out which card you actually got, and to your surprise you might have gotten the Platinum one. At it is now that you find out what are the rewards this card gives you : XXXX miles instead on XXXX, no companion fare and a yearly {$50.00} discount for Alaska flights ( at a annual fee of {$50.00} ). 
This is what happened to me, I applied for one card and got a completely diffrent one that I'm stuck with. I don't want to close it and decrease my credit score, I also don't want to pay a {$50.00} annual fee for essentially no benefit. 

I ended up contacting Bank of America and it gets better! A customer support agent told me at first that the link I used to apply is outdated and that was an old promotion ( I used a link from a referral email generated by XXXX ) that isn't currently supported. Then his story changed and he said that the url was fine, it's actually because of the credit line. Apparently to get the Signature card you have to be approved for a line of $ XXXX and I only got approved for {$4200.00} so they send me a Platinum. And then to top it off he said that if I just go on Alaska 's website and apply from there I will end up getting the Signature anyway because the {$5000.00} credit line requirement is old too and they are just giving Signature cards to everyone. 

This is incredibly unfair, I used an url that advertised a Signature card and ended up giving a card I never applied for or wanted and now I'm stuck with it. Bank of America refused to help claiming that I've agreed to terms, their best solution was to offer to close it while trying to downplay the potential effects of closing a week-old card.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to multiple unauthorized inquiries on my credit reports that I did not approve or authorize. These inquiries have appeared without my consent, and despite my repeated efforts to have them removed, the credit bureaus have failed to act. My disputes have been blatantly ignored or dismissed without any proper investigation, allowing these fraudulent entries to continue damaging my credit score. This is completely unacceptable, and these inquiries are in no way a result of any action Ive taken. 
XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX OF MA 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 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 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 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

I have requested three or more times now that all negative accounts on my credit reports be investigated as they are not familiar, and my XXXX XXXX should have XXXX balance after XXXX plus years of payments so past the statute to collect on them after this amount of time per law the balance left is to be canceled and I also have ten years of eligible employment for the FMLA from XXXX XXXX XXXX House, State of IL IDES and Dept of the Treasury IRS. Yet XXXX just keeps getting the dispute and just turning around and not investigating and a day later sending me the same information, THIS IS ILLEGAL!!! ENFORCE THE FDCPA AND FCRA LAWS!!! I have provided a copy of my student data file for XXXX, these loans did NOT restart when the government changed loan servicers, but they started way back in 1993 and were consolidated by the government twice!!! It is THEIR JOB to have all of this information and not MINE to provide it to them!! Yet I still provided it!!! I want this complaint shared with the IL ATTORNEY GENERAL AND I WANT ALL CORRECTED AND REMOVED NOW!! AND DO NOT CLOSE ANY COMPLAINT AGAINST THEM ALL UNTIL ALL IS CORRECT AND FINE THEM DAILY UNTIL THEY DO CORRECT ALL!!
Product: Debt collection

XX/XX/scrub>, 2024 for {$1000.00} Reporting to all credit bureaus Does not have permission to contact me Does not have a licence to collect in the state of louisiana
Product: Credit reporting or other personal consumer reports

I have open accounts on my credit report thats not mine. I reported them and made police reports its still on my credit report.
Product: Credit card

On XX/XX/year> I had a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX for the amount of {$3700.00}. However, that XXXX was botched and left me with XXXX XXXX XXXX XXXX XXXX and the result was not what was originally agreed on. My voice did not change and left me with XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempted to dispute this charge with American Express but they closed the dispute without any nvestigation or contacting me regarding their actions! I request continuing the dispute with XXXX for the amount!
Product: Student loan

Last year around this time I was contacted by Navient Student Loan servicing who offered me a settlement for my private student loan. I would have to make a lump sum payment of XXXX to keep my loan with Navient and not have it go into collections. I made a lump sum payment but the balance on my loan was never updated to the settlement balance, I was told this was because the settlement wasn't complete. In XXXX of this year Navient offered dissmimal of private loans for pre-datory schools and my school was listed. I had my settlement put on pause as I applied for this relief. The application for my dissimal was submitted on XX/XX/XXXX. In XXXX I checked on the status of my application and was told it was still under review. I had a similar call in XXXX and was told that I wouldn't have an answer until end of XXXX. In XXXX I was told my application was denied and that a letter was sent, I never received a letter. I had confirmed my address with Navient in XXXX and it was correct on their end. The agent in XXXX told me application was denied on XX/XX/XXXX which I agrued could not be true as I had spoken to agents in both XXXX and XXXX. I have yet to receive information on my application was denied. While speaking to the agent today I asked how my lump sum payment was being applied and explained my balance was never reflected to the settlement balance or see it applied to my original balance. She explained that she couldn't help with this and said that I would receive a call in 7-10 business days. I explained that I would be disputing this with my bank as it feels fraudulent.

I am asking for some answers on my application and how my lump sum payment is currently being applied.
Product: Checking or savings account

Everytime there is insufficient funds Im being charged a XXXX $ fee
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report the XXXX XXXX account XXXX as derogatory charge off over seven years later. This reporting is 10 years old and the account was open in 2008, 12 years ago!!! 
Despite multiple dispute attempts and countless phone calls Experian has refused to remove the egregious information. XXXX XXXX is also reporting the egregious information to the other CRA 's XXXX and XXXX.
Product: Checking or savings account

This is a copy of the letter I sent Chime. They denied my disputes three times and each time I had to continually ask for a reason for the denial. One time I was told because I was in the same city as the charges, which was not true. I am in Nevada and the charges were from California, and another time the reason was because the card was in my possession. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2022 Chime Bank XXXX XXXX XXXX XXXX XXXX, CA Dear Sirs : I am corresponding regarding my fraudulent activities claim. 
I have had several fraudulent transactions posted to my account, generated from XXXX, CA. I reside in XXXX XXXX NV and am elderly and on a fixed income ( social security ) therefore I do not travel. 
I immediately called Chime when these transactions appeared. In fact, while I was on the phone with a customer service representative two of the three charges appeared. I also spoke with a manager from the dispute department at Chime and after reviewing everything, her findings were that of the cloning of my account. I was assured that this issue would be resolved and my money would be returned to me. 
I have received notice that my fraudulent claim has been denied and no one can give me a reason as to why. I have requested to receive a written denial several times to no avail. 
The fraudulent transactions are as follows : XX/XX/2022 {$27.00} at XXXX XXXX XXXX XX/XX/2022 {$200.00} at XXXX XXXX XXXX XXXX XX/XX/2022 {$160.00} at XXXX I would appreciate some help in this matter because as I previously mentioned, I am on a fixed income and am in need of the return of this money. I was in XXXX XXXX NV when these charges occurred. I was also on the phone with your representative when two of the charges went through. 
I trust that someone will get back to me in this regard as soon as possible. Please feel free to contact me at any time if more information is needed. 
Thank you for your time. I look forward to hearing from you. 
XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX