23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

i was charged XXXX on my bluebird pre paid card for a charge i did not approve. I submitted the complaint as soon as the transaction happened which was XX/XX/2019. They still dont have an update and it is almost 2 weeks. I called them two days ago about a provisional credit and they said it would be credited to my account in 10 days. After talking to them today, they said it is going to take 45 days to make a decision. Right now, i cant pay my rent, car note and car insurance because American Express Bluebird is taking a very long time to handle this.
Product: Debt collection

XXXX XXXX hospital charges the bills that is not supposed to charge. I've contacted them to waive the fee that was not fair to charge for the first patient registration. 
I have never seen this kind of biils in the past. 
I also contacted the debit collector company but they are very rude and not supported to customer at all.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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: Student loan

We declared bankruptcy in 1994 and had to pay my student loans all this time as they were not dismissed. I was put on the XXXX XXXX for about 4 years and now Nivent has taken me off. I was able for 16 years to postpone my loans because I did not work after I retired. I retired at XXXX and paid my loans every month I ever worked. I am now XXXX years of age and I have a cane and I have a walker and I am very XXXX as my XXXX has gone to pot and I really am unable to work but it doesnt make any difference with this company they will not let me off the hook and they took me off the XXXX XXXX and I asked them many times to keep me on it as my husband died two years ago And he had a small pension plan which I got because he had worked all his life and that month I made more than normal. 
I have no taxable income and they still will not leave me alone. It is time for those of us that have paid all our lives when we work not to pay these student loans anymore I am needing help because nobody is helping me at this point and I live alone, and I do not have the money to pay the student loans. All my student loans are interest at this point. I really had paid them off before I retired but then they started the interest with the little bit that was the left.
Product: Vehicle loan or lease

I sent in my Payoff check on XX/XX/XXXX, Ally claimed they lost the check for over a month I sent overnight XX/XX/XXXX and they claimed they never received until they I provided the tracking and they found the check. they told me it would take 7-10 business days to process. I called after the deadline and they stated they never received the check again after confirming they had it. They then asked me if my previous check was still active as they made it seem they now all of a sudden found that check. It has been over the deadline and they still have not processed my payment and threatening to put a late payment on my credit report and saying I will need to be responsible for fees even though they are refusing to cash my check. They also took away my access to document and send notes on my account as I kept documenting all of my communication with them. They told me to call my new financier to see when they cashed my check when thats not their responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a loan on XX/XX/XXXX and when I asked for information as to why, I was told that a CRA by the name of XXXX was reporting a Repossession on myself and my wife from XX/XX/XXXX. I have contacted this company many times with no response, but I was relentless with requests for copies of reports, demands for removal of inaccurate information, notices of disputes, threats of civil suit and finally yesterday, I was sent the response below, and advised that : [ quote ] " Hi Please find an attached file containing your report as we have on file under XXXX. Please note that we will contact MBFS to verify the commercial credit reported for : Obligor : Address : XXXX, MS XXXX Phone : Tax ID # : XXXX Once we receive their findings, we will notify you. As noted previously, we can not suppress this data unless directed to do so by the reporting commercial lender, MBFS. Please do not contact us again, we will notify you if any changes are made. 

XXXX XXXX. 
XXXX, XXXX. 
XXXX XXXX '' They are erroneously reporting an occurrence that has passed the reportable time allowed by the FCRA, FDCP, and many other laws. 

They reported to my lender that my wife was a co-borrower on this loan, yet refuse to provide any valid proof of such ( there is none ) I contacted ( XXXX, [ XXXX ] ) MBFS said they " have no such account, nor are they reporting any such account '' yet this item has shown up for many years now.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. There are inquiries on my credit report that are fraudulent and do not belong to me. I have already filed a FTC report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've received a copy of my Experian credit report and found the following items to be in error. I am being wrongfully denied credit due to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITY BANK CONTINUES TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT WHICH IS CREATING HAVOC! MY ACCOUNT SCORE HAS ONLY CONTINUED TO DROP SINCE THIS BANK TOOK OVER SEVERAL CREDIT CARDS AND REPORTED THEM ALL INACCURATLY. THE LATEST REPORT ON XXXX REPORTED MY XXXX ACCOUNT AS CLOSED AND WITH BALANCE. THIS ACCOUNT IS OPEN CURRENT AND WITH A XXXX DOLLAR BALANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am reported the social services office of the state of Connecticut. I contacted them XX/XX/22 in regards to an incorrect balance of my account that was reported on my credit .. the XXXX XXXXt balance has been paid off in full. There is currently a XXXX $ owed. When I contacted social services office they reassured me that by XX/XX/22 this would be cleared off and reported as paid off on my credit. However this still shows a balance on my credit and is very much affecting my score. I need this fixed & removed. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. 
I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX I was notified that my Wire transfer of {$2000.00} was NOT returned to my bank because the name on my business did not match my name EXACTLY on my coinbase account. It is now XXXX XXXX XXXX and MY FUNDS HAVE NOT BEEN RETURNED YET! Coinbase emailed me and stated that it would be returned in the 7 days after the XX/XX/XXXX It is frustrating enough that I was n't able to add the funds to my account but to not refund me the {$2000.00} within the 7 days is completely unacceptable. I have attempted MANY times to get in contact with someone about this issue but have only been met with automated phone services and emails. I have contacted your bank for Coinbase as well as the XXXX XXXX XXXX XXXX XXXX ( wire department ), and made them aware of the situation. I have also completed all the steps that the previous email from Coinbase support has requested me to do and all that the system will allow me to do.
Product: Checking or savings account

I went to XXXX, FL XXXX XXXX XXXX on XXXX XX/XX/2022. Regions Bank representatives failed to appear. The Honorable Judge XXXX XXXX entered a Default Judgement in my favor and I was told to return XXXX XX/XX/2022 for a Final Hearing. Regions Bank representatives appeared for the Final Hearing and the judge vacated her Default Judgement and allowed the banks lawyers to proceed with their defense. Regardless of all the circumstantial evidence I presented to prove Fraud and Embezzlement on the part of the Regions Bank Teller, the judge agreed with the lawyers that they were not liable for the theft of some {$2300.00} because I had failed to discover the fraud within 30 days.
Product: Debt collection

Due to COVID my husband lost his job, my account charged off I received several calls and emails. On XXXX XXXX I received and email stating my account was past due charged off not receiving interest or fees. That I could call and settle my account or even go on line to settle. I tried to log on line but there is not anywhere to complete a settlement for my account. I called on XXXX XXXX spoke to a representative explained my situation advised I could settle using my stimulus check and {$300.00} of my paycheck to give 50 % which is all I had she refused stated they could only accept 60 % {$2000.00} I explained I do not have that the 50 % was everything I had to resolve the debt not to argue anymore I advised I would resolve when she would be able to accept what I had. The very next day XX/XX/2021 I received the exact same email along with calls again. I returned the call talked to XXXX if XXXX and explained I just spoke to someone the day before explained again the situation the rep refused to accept my offer stated all could do was 60 % I asked her to not email me anymore and not to call me I also asked to speak to a supervisor to help me she left me on hold came back said there was not a supervisor available I advised her I would wait for one she put me on hold several minutes then I spoke to XXXX Id XXXX as a supervisor explaining again my frustration and that I am just trying to resolve this with what I have available {$1700.00} he refused said best could do was {$2000.00} I asked to speak to his manager he advised me that his managers do not take calls so he is all I have. I asked for contact I formation to the corporate office he gave me the address of XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX on XXXX XXXX I called corporate office talked to a representative he stated he would transfer me to someone that would help me resolve my situation he transferred me to collections to XXXX XXXX Id XXXX who argued with me about the debt said I would be calling him back I explained to not call me anymore that he is not helping me resolve my account. The very next day I received another call from them again. I called them back again explained to them I have a do not call on my account and used them they are not willing to accept everything thing I have to offer to resolve this there is nothing more I can do I advised the representative again they need to stop calling my phone numbers
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Vehicle loan or lease

Back in XXXX, I totaled my car. XXXX XXXX XXXX has done their part terminating the lease, paying the balance, and getting a Letter of Guarantee. 

Despite this, after 2 months and about 8 calls to their customer service, Kia Motors Finance has still not closed my account with them or mailed out a check for the outstanding balance of {$1800.00}. I am also still receiving bills. 

When I speak to customer service, they tell me that they're not sure why the account has not been closed. They have told me that there is normally an audit process that takes up to 30 days, but it has been 30 days as of XX/XX/XXXX. When I ask to speak to an auditor or somebody who can identify the issue, I am told they are " back office '' and can not be contacted. They then offer to email them which I have done and received no response or to send a letter via snail mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these unverified inquiries. I think you have not verified these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/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

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 my 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 those account 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 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX   was paid off in full on XXXX XXXX XXXX. The credit bureaus in question knowingly placed late payment on this account on XX/XX/XXXX after receiving this information XXXX. 

2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status XXXX XXXX. 

This account XXXX XXXX XXXX XXXX XXXX  originated in XXXX It was reported to the bureaus as fraud in XXXX XXXX XXXX with a police report. For some reason this account was updated and reported as late payments XXXX times to the bureaus in XXXX XXXX XXXX XXXX XXXX after the account was already closed and charged off. I have tried to resolve these illegal " BILLING ERRORS '' in the last XXXX months with the bureaus in question with no results. The bureaus in question have undeniably hurt my potential for a loan and lines of credit that I have applied for and they have violated my rights under these sections of 15 U.S.C 1681. 


15 USC 16 81 section 602a. States I have the right to privacy.

15 USC 16 81 section ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( A ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following item of information, any other adverse items of information, other than records convictions of a crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer agency reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Mortgage

On XX/XX/2018, I received a mortgage statement, total payment requested was {$9600.00}. In an attempt to bring my mortgage current, on XX/XX/2018, I sent by XXXX to Wells Fargo N.A. a check in the amount of {$11000.00}. The check was received by Wells Fargo on XX/XX/2018 at XXXX XXXX and was signed by XXXX XXXX. There was no communication from Wells Fargo N.A. after the cashiers check was sent. Today, XX/XX/2018, Wells Fargo returned the check for {$11000.00} to me by XXXX   with a letter stating that they would not accept the payment. The letter simply stated that Wells Fargo N.A. apologized for the inconvenience. 
On today, XX/XX/2018, I made an attempt to contact Wells Fargo by phone. When I explained the situation, the person stated she would have to transfer me to someone else. I stayed on the line but no one ever picked up the phone to speak to me. This has been a recurring situation with Wells Fargo N.A. They have consistently been difficult to transact business with. I did not apply for the loan with Wells Fargo, N.A. My original mortgage company was XXXX XXXX XXXX. Wells Fargo, N.A. brought the loan from XXXX. It has been a nightmare every since. I am a veteran and concerned about becoming homeless due to the practices of Wells Fargo, N.A.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am taking the time to compose this message. It has come to my attention that there have been several accounts opened using my personal information fraudulently to obtain financial services or goods. The listed accounts documented in this report are not mine and should not be reflecting on my consumer report! According to 15 US Code Section 1681-C-2, a consumer reporting agency shall block and remove the reporting of any information in the file of a consumer that the consumer identifies this information that results from alleged identity theft. Also, 15 US Code 1681 Section 604A Section 2, states, that a consumer reporting agency can not furnish an account without the consumer 's written instructions. The accounts listed should have never used my information as I never provided them my instructions to do so on my behalf. 
Therefore, these accounts are not mine and should not be reported on my consumer report. Ultimately, I am demanding the deletion of these listed accounts