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

Wells Fargo, XXXX XXXX XXXX, XXXX XXXX, SD XXXX branch and headquarters owes me a {$50.00} refund after I paid {$50.00} on a pre-pay debit card that was never applied to my account and closed by Wells Fargo in XX/XX/2020. I was told by the Wells Fargo XXXX ( XXXX ) XXXX customer service number a {$50.00} check would be mailed, and should arrive in early XXXX and it never did arrive, only Wells Fargo Card Services billing statement showing - {$50.00} charging my bank account frivolously.
Product: Credit reporting

I had to close a XXXX XXXX Account as my business required me to have another XXXX XXXX. Once closed, I attempted several times to receive a final bill/payment info from XXXX XXXX. I was unable to do so primarily because it was IMPOSSIBLE to get anyone in customer service on the phone. After approximately 9 attempts I was able to reach someone who INSISTED that a XXXX account under my name and home number ( which had already been ported over to XXXX at this point ) did NOT exist. Keep in mind I have been a XXXX XXXX customer, and a satisfied one for over 20 years, but XXXX was impossible in terms of customer service. I FINALLY did receive correspondence from Fios IN THE FORM of a Collection Letter, from a Collection company called XXXX XXXX with my outstanding amount. I called immediately, explained what had happened and made payment arrangements that day. I also have reached out to XXXX repeatedly AS HAS THE XXXX in NY as XXXX reported this to both Equifax and XXXX and it impacted my credit scores - something I am working aggressively and diligently to rebuild. I have pleaded with them directly and through the XXXX to remove this from my reports, as I do not believe it should be on there. THEY REFUSE to remove it. XXXX shows it on there, as a collection account with a XXXX balance. Equifax shows it as a collection account with {$120.00} still outstanding. I am seeking help from any agency that can help me GET THIS REMOVED from my credit reports. It is unfair that it was reported to begin with. I tried reaching them multiple times as stated, stayed on hold for up to 45 minutes more than once and STILL was never connected to a Customer Service Rep. It was infuriating and then to see it reported was beyond infuriating, again most especially as someone who has been a XXXX XXXX customer for over 20 years. I am hoping you can help me please. I am uploading my letter sent directly to XXXX with the XXXX copied. This is the XXXX contact that refuses to remove this - XXXX XXXX, Executive Relations Sr. Analyst, XXXX Thank you in advance for any help you can lend.
Product: Mortgage

At the time I was behind on payments, so I my mortgage company had me sign a Forbearance Plan, which I agreed to. Now I missed a payment, and they will not work with me. At the time I signed the Plan, I was under Duress with medical condition, I would not have made that time of decision. So the plan is null and void, and now since I am better, we can have a new plan. I am on a fixed income and XXXX.
Product: Money transfer, virtual currency, or money service

The software, AppFolio used to manage the buildings is now going to start charging a fee to have the owners pay their monthly assessments. This company marketed this as a free service and as soon as I got the majority of my owners to pay through their software they decided to start charging {$2.00} for each ACH transfer.
Product: Credit card

After review of the letter of XX/XX/XXXX in which it is stated a credit for XXXX was posted on XX/XX/XXXX statement is incorrect! This is a reversal of the debit that was on the XX/XX/XXXX statement! There were XXXX charges XX/XX/XXXX and XX/XX/XXXX and XXXX credits XX/XX/XXXX and XX/XX/XXXX they cancel each other out! No credit for the travel insurance was issued for XXXX. In addition I find it difficult to believe a person working in corporate complains does not seem to understand debit and credit! Or was this purposely done to appease CFPB and not reimburse for the trip cancellation. If management has been informed why is this being fought! Someone must understand debit and credit! Trying to pass off that credit as a credit to the account when it was a credit for the rebill XX/XX/XXXX statement does not smack of honesty on the part of Capital One! Please sent a check for XXXX and correct the finance charges because of the average daily balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX Balance : {$3500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX Balance : {$3500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$3500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX account was closed and last bill was paid. But for unknown reason XXXX kept billing me and placed the account to Diversified Consultants , Inc collection agency. They imminently start calling me. I asked them to send me a letter of verification but was never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent letters to Equifax, XXXX, and XXXX. I have multiple errors on my reports, missing information and information that needs to be removed. I also have a " derogatory mark '' on my reports but does not say who it's from nor will they tell me. I reached out to my creditor and they told me they sent letters 3 times to Equifax, XXXX and XXXX to have the collection removed. Once again I do not know what the derogatory mark is on my report. I would like it removed asap. I also have 7 hard inquires on my report. I want them removed as well. Equifax, XXXX and XXXX are not doing their job. I am very dissatisfied with their lack of knowledge and their poor customer service.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFCB ) has recently filed a lawsuit against XXXX alleging systematic 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 XXXX 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 XXXXXXXX XXXX  inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I had a Citi Double Cash credit card with a credit limit of {$13000.00} which I was the card holder for about 10 years, I used the cash promotion offer last year and paid off the entire balance at the end of the promotion, Citi decreased my credit limit to {$460.00} from a {$13000.00}, I immediately contacted Citi and cancel my account. I have never had any credit limit decrease by any credit card I currently hold with XXXX, XXXX and XXXX. I want the consumer to know how Citi Bank business practices and treat the hard work consumers whose paying their bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained an Auto Loan from XXXX XXXX XXXX XXXX in XXXX of XXXX. To the best of my knowledge, I was the primary Borrower on the account, and XXXX XXXX was the co-signer. As a direct result of the acts of XXXX XXXX XXXX XXXX, my name was not on the vehicle title. As a result of such, several years ago, I was XXXX and accused of XXXX XXXX XXXX. I provided documentation showing that I purchased the car, and I was released. The charges against me were eventually dismissed. 

I contacted XXXX XXXX XXXX XXXX, and they could not assist with having my name added to the title. Regardless of such, payments were continuously being made, and in XXXX the loan was paid off in full. 

Despite the facts above, XXXX XXXX XXXX XXXX has refused to correct the erroneous information on my credit report, which is drastically affecting my credit score. XXXX XXXX XXXX XXXX reports Debt included in or XXXX through Bankruptcy, which is incorrect. XXXX  XXXX provided a payoff letter back in XX/XX/XXXX, proving by its own account the loan was satisfied/paid-in-full. 

XXXX XXXX has continued to falsely report this information even after I've filed over a half dozen disputes with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Association LLC is Negative Re-aging a old charged-off account from XXXX XXXX. By changing the first delinquency status on a old account Ending in XXXX that was a secured card back in XXXX they bought the account in XXXX. And listed it on my credit report as first delinquency date of XX/XX/XXXX making it look new as if I made a payment, and its a current payment on my behalf when XXXX XXXX applied the {$700.00} dollar security amount to a $ XXXX+ debt in XXXX. XXXX they listed it on my credit report as account type ( factoring company ). Further damaging my credit. I keep disputing the account somehow they keep convincing the three credit bureau as if its current and legal reporting, when its outside the statute of limitations. For both filing a lawsuit or reporting to credit bureaus.
Product: Checking or savings account

On XX/XX/year> someone fraudulently set up an account for XXXX XXXX XXXX and used either my debit card or bank account number to start services. I have called 5 times and left numerous voicemails and talked to a number or departments ; all of which pass me on, put me on hold, do not respond to messages, or provide any information on the matter. 

If my information was used to set up an account and auto-debit my bank account, I would like to have the contract that was used, the information provided, and the sales person who set this up as I believe there was a unethical person on the XXXX  end who did so for commission. 

XXXX has been of no help with information or response.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 10 years, all the bureaus have mixed, mingled, and crossed my info with someone who shares my DOB and a similar name! I have disputed, spent hours calling and verifying who I am. Which is an absolute challenge because mine and the other partys identifiers are crossed too! What is the point in you all monitoring my report, if you are the ones creating the problem? This is bound to have its long term repercussions on me and you if this isnt correct soon. Its not identity theft because she isnt using my social and the police wont allow me to file a report Without some proof. Im beyond livid! This is going to mess with my retirement in the future and no one cares when I talk to them. They think Im trying to get out of a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all unauthorized information on my credit report with Equifax. checking my file ive noticed alot of invalid information. this stopping me from approvals an moving forward. please update all information requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

PURSUANT TO 15 USC 1681a ( 1 ) which states that THE CONSUMER HAS A RIGHT TO FAIR AND ACCURATE RECORDING. EQUIFAX, XXXX and XXXX ARE XXXX VIOLATING MY CONSUMER RIGHTS AS THE NATURAL PERSON, CONSUMER AND CREDITOR BY NOT REMOVING ALL DEROGATORY/NEGATIVE REPORTING ITEMS THAT I DID NOT GIVE MY WRITTEN CONSENT PURSUANT TO 15 USC 1681b . THIS ELABORATE MECHANISM CALLED E-OSCAR, A NON-HUMAN AUTOMATED DEVICE HAS TAKEN THE HUMAN ELEMNT AWAY FROM BINDING FACTS AND PLACES MYSELF THE CONSUMER, CREDITOR AND NATURAL PERSON AT A HUGE DISADVANTAGE. THE HISTORY PORTIONS OF MY CREDIT REPORT HAS NOT BEEN UPDATED CORRECTLY..THEIR SHOULD BE NO RED X MARKS ON MY HISTORY SECTION.. CORRECT YOUR INACCURACIES OR I WILL NO LONGER EXTEND MY CREDIT TO ANYONE AND I WILL NO LONGER DO BUSINESS WITH YOUR AGENCIES AGAIN.
Product: Debt collection

This company repeatedly calls my job. This has been occurring for the past few months. Today they called asking to speak with my supervisor. They told the receptionist they were going to garnish my check if they did not speak with my supervisor. This company has also called family members and friends repeatedly asking questions about me. I have voice messages that they have left on family members phones as well as text messages from my family stating they have contacted them, I have asked them repeatedly on the phone and via email to stop contacting my friends and family and to stop calling my job everyday. However, they continue to do this. They have been calling several times per day to my job and to various family members. Today when they told my receptionist at work about garnishing me I have decided to seek help here to stop their horrific, unfair and illegal debt collection practices. This is now jeopardizing my position at work and needs to stop.
Product: Credit reporting or other personal consumer reports

Unfortunately, my information has appeared in a data breach and I have noticed an account open on my consumer report at this account does not belong to me. I would like for you to be removed immediately. XXXX XXXX XXXX Account Number : XXXX Date opened XX/XX/year> this account was opened and furnace as the result of a data beach/identity theft. Pursuant to 15 USC 1681 and FCRA 605b this derogatory account must be removed from my consumer report immediately
Product: Payday loan

a collection agency keeps calling and telling me that I got a loan that I never got they keep calling me from the numbers XXXX and XXXX
Product: Student loan

When it came time to repay my student loan I was not sure of the best value. Between the provided tool and my financial planner I decided on the extended fixed payment plan, with a payment of {$600.00} ( adding {$60.00} extra ) for a term of 20 years. I made sure to do direct deposit for the 0.25 % savings and the ease of setting/forgetting. In XX/XX/2017 I received a notice that an Income-Driven Repayment Plan was approved. Having been told I was ineligible for that option due to my income I let that slide - had to be an error. When a paper slip mentioned a bill of {$0.00} I complained to the XXXX customer service - received no help, was told that I obviously put the change there ( when I had not ), never mind there being no income to draw from to make an IDP estimate. Frustrated I decided to continue paying $ XXXX/month in spite of having XXXX balance bills so that I would not be behind on my payments. In XX/XX/XXXX/XX/XX/XXXX I got a notice that my IDP was set to expire. By the end of XX/XX/XXXX (XX/XX/XXXX ) when it expired my payment went to $ XXXX/month with the added {$60.00}. Panicked I signed up for the IDP before remembering that I wanted the Extended Fixed Plan. The same evening I signed up for the Extended Fixed Payments plan. Seeing no movement I applied for that plan again. Now the XXXX program wants me to pay $ XXXX/month even after I've put in paperwork months prior to change my repayment options.
Product: Debt collection

On or about 4 years ago, I called XXXX to buy a new phone. Immediately that phone started showing malfunctioning problems, so I contacted them to complaint. They sent me another one to replace it with another one according to a totally new XXXX and in excellent condition. However, that new phone came with problems as well as. I contacted XXXX I called several times, they made me remove the battery, turn it on again, and the " new '' XXXX XXXX  XXXX. was worse than the one that came back to them.If going or incoming calls was impossible to hear the other party or vice-verse. My friends or other callers, told me that the call was heard cut off, and they did not understand me, so without other alternative they had to hung up the call or I had to do so. Most of the times the call was always dropped or the cell phone was frozen. While I had constant problems with that new cell phone, sold by XXXX, my son never had any problems, he bought his XXXX XXXX at the Mall. Therefore, my phone I bought 6 months later from XXXX, the difference between my sons cell phone was and stills in perfect condition. Having this situation I was forced to use a old non smart phone that I had bough in the past from XXXXXXXX  in order to call my family and receive calls from friends, family and important calls. I trusted XXXX, I regret it, I should buy it at the Mall as my son did. 

Luckily, my son decided to buy a new phone two years ago, I decided to use his old XXXX XXXX, that he bought at the Mall. That is the phone I am using since 4 years ago, almost 5. While the cell phone sold by XXXX it only lasted two years and with a lot of bad functioning problems, my son 's cell phone that he bought at the Mall is in perfect condition after almost five years, that is the phone that I am currently using the XXXX XXXX XXXX phone. I offered XXXX to return that phone that they sold to me and that stopped working, they rejected, obviously, they know what they sold me, and at all costs they want to take my money for a cell phone that they sold me with malfunctions. I was paying for that cell phone, until it totally stopped working. My question is why we have to be victims of fraudulent sales, want to force us to pay for something that is garbage? I lost my job, I wouldn't mind paying it if they had sold me something in excellent condition, but it's not like that. It is fair that I have to pay for something that was sold to me, knowing that I told them I was presenting a malfunction and did nothing to remedy that situation. I have that cell phone stored for almost 4 years, because it has not worked since I sold it XXXX, again I offer to return that bad item they sold me. 

The law have to be impartial, and protect who needs help in cases of unfair actions.
Product: Credit reporting or other personal consumer reports

During the time frame of XX/XX/2023 and XX/XX/2023 i applied for a mortgage loan while shopping for mortgage rates. My credit was pulled multiple times by the same company ( XXXX XXXX ) and those inquiries have all counts as separate inquiries although they were made within the XXXX day window and should have only been counted as XXXX inquiry. My credit report shows XXXX separate inquiries within that time frame and has caused my credit and XXXX  score to drop significantly and prevents me from obtaining fair credit by staying i have too many hard inquiries on my report and is considered excessive credit seeking. I would like these inquiries consolidated and the additional inquiries from this company within those XXXX days removed from my credit report. I was told by the credit reporting agency representative that these inquiries all count as separate attempts however, and my request and dispute has been denied.
Product: Credit card or prepaid card

I received my new card for my child support and activated my card. I attempted to create an online account at www.bankofamerica.com/azdesEPC as instructed on the back of the card and with the paperwork that came with the card, but the site has been decommissioned. I called customer service at the number on the back of the card, and after a long hold I was told there was nothing that could be done. I just want online access to my account so I can know how much money is in it and transfer funds without having to pay an additional fee.
Product: Mortgage

Mortgage payment was made to Bank of America on theXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX .They stated on my credit report that my account is 90dys past due date .Maximum Delinquency of 90 days XX/XX/XXXX. 
This information is incorrect and thus affecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I just checked my XXXX XXXX to see how I am doing and my score had gone down XXXX points. I clicked on it and it said I have a hard inquiry from XX/XX/2018 and all that is there is " CBNA '' and " XXXX XXXX XXXX XXXX '' and that is all the information that I have. I do not know what it stands for nor did I give permission to anyone/ anything to get a copy of my credit report. I also have not applied for anything so I do not know what this is and why it is on my record. Is someone trying to impersonate me because this is very worrying.
Product: Credit reporting or other personal consumer reports

there are unauthorized inquires on my credit report please delete these inquires ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

My credit has been run by OPENROAD LENDING 4 unauthorized times through XXXX and i was denied without giving consent. I want my credit fixed from these unauthorized action. If you need further details contact ASAP.