23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a reoccurring payment for XXXX XXXX, I tried to cancel the day the payment was set to come out and they said I would have to go to a store to cancel. The next day I went to XXXX and transferred the service. They are charging my card for a month of service that I didn't receive. I have contacted XXXX XXXX on may occasions and they tell me their systems are not able to issue refunds and I should be contacting my bank. I have tried to contact Chase regarding this dispute and they denied claim because they said I didn't cancel before auto pay came out. I tried to do this and was unsuccessful. I was told by the XXXX representative they could not cancel my service I had to go to a store. I don't think I should have to pay for a monthly service I didn't receive. The confirmation code for cancelation from XXXX XXXX XXXX, all those conversations they said should be recorded. When I spoke to someone at Chase they said because I didn't cancel before I have to pay it?? Why should I pay for service I didn't receive?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ONCE AGAIN HAS VIOLATED THE FCRA, FALSELY REPORTING 4 INVALID RETAIL ACCOUNTS BY COLONY BRANDS, XXXX XXXX, XXXX, XXXX XXXX. XXXX  XXXX. THEY ARE REPORTING THESES IN RETAILATION FOR SUING THEM FOR ROBO CALLINGS CONSUMERS.
Product: Credit reporting or other personal consumer reports

This is a formal complaint regarding the inaccurate reporting of account # XXXX on my credit report. I have previously disputed this account and provided supporting documentation, yet the errors remain unresolved. The account is incorrectly shown with a credit limit and past due balance, even though it is charged off and should not be listed as active. This misreporting is significantly harming my credit score and limiting my financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my account every month using my banks on line system. Every month i got notice that they received my payment but one month we got notice 30 days later that they never received my payment and they were going to report it as a 30 day late account. I have tried to work with them to get it removed since it was not my fault but they refuse to.
Product: Student loan

I applied for an income-driven repayment plan in XXXX to work toward PSLF when I started working for a new public employer. I had been on the IBR program before leaving to work for three years for a non-qualified employer, and thought this was still the only program I was eligible for. I was put on IBR, which required I pay 15 % of my income toward my student loan. I was never informed that I was eligible for the REPAYE program, which started later and allowed me to instead pay 10 % of my salary. I just found out about REPAYE in XXXX, applied and was approved. Because my servicer ( via MyFedLoan ) didn't inform me that I was eligible for a lower payment, I have been overpaying by 5 % of my income for over five years. Is there any recourse to get this refunded? 

Thanks, XXXX
Product: Money transfer, virtual currency, or money service

I SENT {$200.00} THROUGH XXXX TO A FAMILY MEMBER IN XXXX AND UPON XXXX RECEIVING THE MONEY BY DEBITING MY BANK CARD, WORLDREMIT CORP . LOCATED AT XXXX XXXX XXXX XXXX XXXX, XXXX. COLORADO XXXX, U.S.A ; CLAIMED THAT THEY OPENED A DOLLAR ACCOUNT IN XXXX WHERE NAIRA IS THEIR LOCAL CURRENCY OF CHOICE FOR MY RECIPIENT. NEITHER MYSELF NOR THE RECIPIENT ASKED XXXX TO OPEN THIS DOLLAR ACCOUNT. THEY WERE TO DISBURSE THE MONEY DIRECTLY TO THE RECIEPIENT IN NAIRA OR DOLLARS AFTER CHARGING THEIR SERVICE FEES. 
NO ONE ASKED THEM TO OPEN ANY BANK ACCOUNTS. 
THIS TRANSACTION WAS DONE ON XXXX XXXX AND WAS TO BE COMPLETED WITHIN 24 HOURS WHICH WOULD HAVE BEEN XXXX XXXX. 
BUT UP TILL TODAY XXXX XXXX, THE RECIPIENT STILL HAS NOT RECEIVED THE MONEY.
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 U.S.C 1681. Has Violated my rights. 1. Account Name : XXXX XXXX  / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account XXXX : XXXX Account XXXX : # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting 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: Debt collection

Was contacted regarding an illegitimate debt. They threatened to take me to court and sue me for this debt that I do not owe. They did not read me any XXXX rights and couldn't even tell me who the original creditor was. This company is attempting to scam innocent people out of hundreds of dollars for debts that do not exist.
Product: Student loan

Navient has not been providing information with who my private student payments are being made towards. When I made inquiry, no one from customer service nor a supervisor with Navient would explain where my payments are going. The for-profit culinary school I had attended from XXXX-XXXX ( initially named " XXXX XXXX XXXX  XXXX XXXX XXXX XXXX '' and then " XXXX XXXX XXXX- XXXX '' ) has since dissolved as an institution. I am looking to have my student loan payment lowered if I can not get the loan discharged.
Product: Checking or savings account

I've been a member of capital one bank since XX/XX/year>. Capital one bank promise Is comparable Interest APR rate With other financial institutes. I. 
Have a savings check in and c d account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has inaccurate addresses on my credit report. Has tried to have them removed on numerous occasions. Company still has them listed even with me sending them proof of correct address. I have attached the wrong addresses as well as proof of my current and only address that should be on report. Would like all old addresses removed
Product: Vehicle loan or lease

I bought a vehicle in late XX/XX/2017. At that time it was with XXXX XXXX. XXXX XXXX sold my account to Regional Acceptance in XX/XX/2017. The balance transferred was more than what I owed at time it was transferred. On top of that Regional Acceptance s not calculating my loan correctly. 
I have begged Regional Acceptance for copies of my past statements since the transfer and they either say they will send them ( they never arrive ) or when I call to ask again they hang up on me. I only owe approximately XXXX left on my loan and between these two companies miscalculations they are trying to charge me {$3600.00}. I need help.l please.
Product: Credit card

In XX/XX/XXXX I went to a bar and my total was {$50.00} with tip included. A couple days later my account was charged {$110.00}. I went to dispute this charge and the bank gave me a credit of {$66.00}. They wanted a receipt for the purchase but I dont have it because I dont keep dining receipts and I cant go back and get one because this bar is in another state. I called the bar but no one answers the phone. On XX/XX/XXXX I saw the bank sided with the bar and charged me ANOTHER XXXX. If my bank was going to side with them why would you charge me again full price? The price yall should have charged me should have the {$66.00} not another XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> charge off needs to be removed from my credit report immediately I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the EQUIFAX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Credit reporting

I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe six months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to 20 inquiries on my credit report. PLEASE HELP ME!!!
Product: Credit card or prepaid card

Bank of America Credit Card website changed their sit payment options. As a consequence, I submitted a payment on XX/XX/2021. This resulted in late fees and interest being assessed to my card unjustly. 
I have submitted a help desk ticket with their IT department. However, the agents said that there is no way to apply the payment to XX/XX/XXXX, and since it was not paid on time, they can not waive the fees. Even though I was able to recreate the issue with the website multiple times, they said there is no way to credit the interest or late fees. 
It should be noted that there were {$720.00} in CREDITS the month of XXXX, so the {$1100.00} was in addition to these payments already made. I was actually paying a month ahead of schedule! 
I should not be held accountable to their inept website 's inability to apply payments properly. 
Operators were XXXX XXXX and supervisor XXXX XXXX ID XXXX.
Product: Credit reporting

I went to the free sight for getting my annual report. After entering all info and gaining access to the page beginning process I checked all XXXX reporting companies. I went to my first company XXXX and was given access to my report. After perusing the different accounts and saving and printing the report, I then clicked " CREDIT SCORE ''. There was nothing on this page. 
My second Company XXXX showed me the following : " WE CAN NOT DISPLAY YOUR REPORT ONLINE ''. o further explanation was given. I was able to purchase the credit score by joining XXXX for {$1.00}. I then got the score but had to cancel my membership within 7 days or be charged the full membership which would be automatically renewed every year until i cancelled. I, of course immediately cancelled. The 3rd company, EQUIFAX, was the worse. They simply responded, after my entering pages of questions, that " WE CAN NOT DISPLAY YOUR REPORT ONLINE '' .No other offers or explanations were given.
Product: Credit card

I have always ensured prompt payments on this account and never allowed them to be overdue. I am not sure why there are late payment remarks on my accounts. As per 15 USC 1666b, this billing error should be corrected.
Product: Bank account or service

WELLS FARGO CROOKS. Back in XXXX 2016 I closed my Wells Fargo checking account online. I ve been waiting for my money since then. Even though I already filed a complaint here before ( case # XXXX ) and they sent me a letter saying they were going to do whatever necessary to solve the issue they still have n't done anything. They have failed to their promises three times to send me my money. I 'm glad I do n't bank with them anymore and I do n't not recommend them because they do n't act quickly when it comes to your money but if it 's their money they will fight with teeth and nails and lawyers til you pay the last dime. It is nasty that they can charge you penalties and late fees if you do n't pay something you owe to them but they will not pay interest or dividend on the money they have held from me illegally for the last 7 months. Ridiculous
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Could you kindly review the documents? Several of the accounts listed exhibit inaccuracies concerning reporting, incorrect amounts, and dates.
Product: Credit reporting or other personal consumer reports

I purchased a vehicle in XX/XX/XXXX from XXXX XXXX. In XXXX XXXX the company ( XXXX XXXX ) was sold to XXXX XXXX XXXX XXXX In XX/XX/XXXX, the vehicle was stolen and a police report was made, and was also reported to the insurance company. The insurance made all payments for the vehicle. In XXXX of XXXX I started getting calls from XXXX XXXX requesting payments. I explained that the car was paid off to XXXX XXXX by insurance and the continued to call. In XXXX, XXXX a payment of {$100.00} pop up on my credit report stating that I made a payment when I didn't make " any '' payments to this company. So I contacted them and told them that I didn't make any payments and I was told that there was nothing I could do about it. So I disputed it with XXXX, Equifax and XXXX and they said it was valid. In XXXX and XXXX of XXXX XXXX more {$100.00} payments pop up on my credit report. In XXXX of XXXX another {$100.00} payment pop up again. " I am not making these payments ''. This company is reporting fake payments to keep this account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone attempted to obtain credit in my name on several occasions. There are several fraudulent inquiries on my credit reports. I was told by Transunion to file a claim with the consumer that requested my report. The consumers directed me back to Transunion to file an inquiry dispute. Since i was unsuccessful at obtaining assistance from either company, I reached out to the police department. The police department directed me to Federal Trade Commission. Since the identity thief did not obtain the credit that they applied for, the FTC directed me to CFPB to file a claim for credit inquiry issues. 
I 'm completely stressed out and on the verge of s nervous breakdown. I would have never thought that it would require so much time to file a dispute for fraud. I have a fraud alert on my credit report now. 

Please see highlighted yellow areas on credit report- please help me, I have no where else to turn to. Inquiries are as follows : XXXX XXXX XX/XX/XXXX - - XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ( my credit was ran 4 times for the same company ) XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ( ran 3 times ) XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ( ran 3 times ), XXXX XX/XX/XXXX- XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX Shall delete this account from My consumer report immediately this is holding me up from buying a house for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

address is wrong inquiries are made by someone else wrong accounts are on my report XXXX XXXX XXXX XXXX XXXX never lived in XXXX XXXX fl
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I deposited money in Juno and one of their partners has gone bankrupt. I received a message about XXXX asking for the return of end user funds from XXXX XXXX. However, they are not returning my money and they said they dont have my miney. My funds are all frozen and my money are robbed from them!
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit card or prepaid card

On XX/XX/2017 a credit card with this company was opened without my authorization or knowledge I have never had an account with them or authorized anyone to open an account on my behalf. This account was open fraudulently and is a result of identity theft.
Product: Debt collection

Dear Capital One Dispute Department, I am writing to formally dispute a fraudulent transaction on my account ending in XXXX for the amount of {$460.00} and to assert my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Billing Act ( FCBA ), and the Truth in Lending Act ( TILA ). 

I dispute owing any and all debts purported by your claims, and hereby revoke any consent to contact me via email, text, or telephone under 15 USC 1692c ( c ). I demand only written communication through postal mail as allowed by law. 

Under these laws, and specifically pursuant to 15 USC 1666 regarding billing errors, I request a comprehensive investigation into this disputed transaction. I also require debt validation, a copy of any applicable purchase agreement with the original creditor, and proof of your licensing and bonding to collect this debt. 

Your failure to comply accurately and swiftly may result in legal implications as stipulated by these acts, including penalties for non-compliance. 

Please confirm receipt of this dispute and comply within the legal timeframe. I anticipate a timely resolution to this issue and expect all corrections to be reflected accurately in all credit reports. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this alleged student loan account. I've previously requested to see a copy of original documents with my signature for this loan. I didn't receive the documents in 30 days any of the three credit bureaus. As I further investigated all three credit reports. I noticed the creditor reported different account balances for this account.
Product: Checking or savings account

Wednesday XX/XX/2022 XXXX  XXXX XXXX  - XXXX XXXX : I attempted to deposit {$500.00} cash and a check ( {$670.00} ) to my Wells Fargo checking account via an ATM ( ATM ID : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ). The check was accepted but the cash was returned to me because the machine wasn't able to read it. I tried redepositing the cash and the ATM machine took it, but my bank account was never updated to include the {$500.00} cash deposit. The total deposit should have been {$1100.00}, but I was only credited {$670.00}. Wednesday XX/XX/2022 XXXX  XXXX XXXX - XXXX XXXX  : Submitted claim to Wells Fargo, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wednesday XX/XX/2022 : Claim Denied by Wells Fargo.
Product: Checking or savings account

Repeated harassment from XXXX. 

I called XXXX. XXXX from internet money transfer department refused to provide service. I asked for a refernce number for the call, was not provided. She went ahead and refused to even let me speak to a manager, when requested.

Why this repeated harassment from XXXX call centers? WHY!? And when would XXXX call center harassment stop? 

And why would XXXX hold up XXXX transfers? XXXX transfers are supposed to be instant, why send the money out and then put it on hold, doesn't reach my other bank. If someone sends money to someone urgently via XXXX, XXXX will put a hold on that! Why do that? Why make customers'life miserable!? It's not ACH, it's XXXX, then why!? 

I am sick and tired of XXXX drama!
Product: Debt collection

To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.
Product: Credit reporting or other personal consumer reports

Delete XXXX XXXX XXXX in accordance with the Fair Credit Reporting act 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to remove my security freeze recently via their site page but instead received the following attached screenshot. This has never happened in the past and as I'm currently busy with other things, it's extremely inconvenient that I have to send in this request via mail when before they had already obtained all the information needed for my digital authorization. This has caused monetary damages on my end since now one out of the three credit bureaus isn't releasing my credit score. I will not be renewing their security freeze service going forward. I've also tried calling and seeing if I could talk to a representative but their abysmal phone prompt system led me nowhere and the fact that there was no chat service present wasted even more of my time. Please learn from my experience and don't use experian for their shoddy design and nonexistent service.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX , XXXX . XXXX and XXXX , XXXX . XXXX