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

My boyfriend and I were on a financing auto loan set up by XXXX XXXX with capital one for our XXXX XXXX XXXX. XXXX XXXX said we could not refinance our loan because it was the pandemic and were not working at the time. He said that we could trade in our XXXX and we got sucked into financing a new car- a XXXX XXXX XXXX. XXXX XXXX said they would take the auto loan from the XXXX off our hands and pay it off. He said he sent the check but apparently Capitol one never received it until a few months later, so Im not sure if he lied. Anyways, he ruined my boyfriend and Is credit very bad. Our credit report shows that we were late XXXX of XXXX ( 90 days ) and then it was written as a charge off in XXXX and XXXX. This is wrong. We stopped paying the payments of the XXXX because the dealership told us to and said they had it taken care of. It should not be shown late as we were told its not in our hands anymore. This ruined our credit and I reached out to both XXXX and Capitol one several times. My boyfriend and I would like our good credit back and for this issue to be fixed right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to sign up for Equifax 's TrustedID Premier service using the link provided via their email. The link repeatedly and consistently redirects to a " system unavailable '' message instead : https : //trustedidpremier.com/consumer-registration/html/system-error.html I 've called Equifax at XXXX and was instructed to " keep trying to enroll '' at different times of the day, before going to bed or early in the morning. I was also advised this website is the ONLY WAY to sign up for the service. I was not offered an offline or manual way to enroll into Equifax 's TrustedID Premier service. 

First, Equifax collects and profits from my credit information. Second, Equifax fails to protect my personally identifiable information. Finally Equifax offers one year free identity protection service as mea culpa but I CAN NOT SIGN UP FOR THE FREE SERVICE. This is not acceptable and no one is being held accountable for the massive failures and errors here.
Product: Credit card

I had a payment due of {$46.00} on XX/XX/XXXX. I forgot about it because this isn't the card I use for regular charges. I got an email reminder on XX/XX/XXXX and made the payment on that day. They charged me {$32.00} in late fees and interest. When I called to ask them to remove the charge, they refused. I understand a small fee for a slightly late payment, but they are over 70 % of the original charge in fees for being three days late. I think that's obscene.
Product: Checking or savings account

I have a checking account with Wells fargo that I use on occasion only as I have another checking account with XXXX that I use as my main checking account. Its because of this infrequent use and the fact that I do not ever audit my monthly statements for unauthorized charges that I didnt notice countless charges from " XXXX '' on my account going back months. When I did finally find the charges because my account was negative, I filed a dispute with wells fargo and was told I had nothing to worry about, and that I wasnt responsible for unauthorized charges. Well apparently that was a lie, for some reason I was only given a temporary credit of about {$1000.00}, when the charges were in excess of {$6000.00}. When I looked into the dispute online, it shows that some of the transactions I was given a temporary credit for, but the vast majority of the transactions showed as " closed '' Which made no sense to me, as I had only filed the dispute literally a day or so prior, it was like they were instantly decided to not be fraudulent without any investigation what-so-ever. From my own research, this is in violation of the Reg E laws in which I was suppose to be given a temporary credit in 10 business days. How could I get a temporary credit for some of the transactions but NOT some others? Seems like wells clearly closed these transactions without any investigation AT ALL. If I have to I will have my lawyer file a suite based on the reg E laws and Wells Fargo 's violation of them.
Product: Payday loan, title loan, or personal loan

I purchased a bicycle from XXXX ( XXXX area ) for {$980.00}. At the store I was never told I owed interest after a one-year deadline. I also found ( 4 ) late fees totaling {$110.00} after I paid off the bike in XX/XX/2019. I called to complain because I had paid much more than the minimum asked every month. A man on the line for Comenity Bank said I shouldn't have had late fees if I paid more than minimum but put me on hold to check things.He later gave me {$15.00} then a total of {$45.00} off to bring my total to {$72.00}. I then paid the minimum of {$30.00} on XX/XX/XXXX to bring it down to {$42.00}. My year deadline was XX/XX/XXXX and after vacation I checked my bill ( after XX/XX/XXXX ) and it showed {$200.00}. They charged me {$150.00} interest plus some {$1.00} fee to make that total. I called again and a woman said there was nothing she could do and said on my statement in big " red '' print tells me of my deadline and interest to be charged. I received one paper bill and there is no red print telling me of this. I subsequently received electronic bills and paid on their website ( comenity.net/trek  ). No where on first electronic page or the page where I pay my bill does it say anything about a XX/XX/XXXX deadline. It does refer to " deferred plan interest info '' but nothing about MY interest and a XX/XX/XXXX deadline. They are involved in unfair and deceptive practices.I would have paid the late fees before XX/XX/XXXX as I only owed {$42.00} but I knew nothing about interest after a deadline. The bike sum has been paid, the late fees have been paid and I still owe {$160.00} interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and  need to get these accounts removed as soon as possible. 
I will be listing some dates below that I have sent out to them : XX/XX/2020XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.
Product: Credit card

I opened up a billing dispute for an item never received for my American Express Card in the amount of XXXX on XXXX/XXXX/15. It was for a custom engine that was never received and this non deliver was verified by third party California XXXX XXXX XXXX XXXX. The XXXX agent advised me to use continue the dispute process through my credit card company. I initiated the charge back via telephone, they were very helpful and mentioned they would get to the bottom of it. They opened up a chargeback and gave me an online resolution department to check status. I went online and noticed they had put the reason for dispute as an Unauthorized charge. I thought this was strange, and I actually called back in shortly after and asked them to change this to correct reason of dispute ( good not recieived ). The service agent told me ( paraphrase ) " their is only one reason in our system so this should be ok, just write a letter explaining what happened and our resolution department will take care of it. '' I thought it was odd at the time that they only had one classification but I wrote in a letter explaining that I was charged for an item I never received. The charge back was ultimately closed, where they did in fact close it as an authorized charge. I wrote back letting them know the mistake and they reopened. Unfortunately same thing happened, miscatergorization, same outcome. I had to contact American Express multiple times and and eventually request a manager who then correctly categorized dispute as items/goods not received. They went back to the merchant and ask for more information, the vendor told them he had given me the engine and they promptly closed case, despite having no evidence that this was actually done. I then had asked for the proof used by American Express to side with vendor. This went around a few times, with this evidence never being provided by American Express nor merchant. Ultimately American Express suggested I go back to the merchant, despite not removing the billing error nor providing any evidence to show that I had received item in question. My concern is how American Express can not remove a billing error and then suggest that I go back to a merchant to work things out, instead removing a valid billing error that I raised. I had tried to work with vendor multiple times and would never gone the route of billing dispute or have an independant investigation if things were workable. I can provide all communication between American Express and I. I also have same information regarding communication between vendor and I. I can also go to court, if needed, to bring the supeonable evidence which will corroborate my case. 

The heart of the matter, I raised a billing dispute, American Express did not remove this dispute. The provided no evidence ( after multiple requests ) that the items were indeed delivered to me.
Product: Checking or savings account

Someone is opening checking accounts in my name with XXXX and Chime. Both banks are making it incredibly hard to close the fraudulent accounts as well as helping me get any info associated with the accounts. Ive filed an FTC report and a police report. The companies told me after those steps they would release the account info but are still failing to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were not tied to me and these companies pulled my credit without my consent therefore I would want the inquiries removed from my credit report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me with accounts that I do not recognize. I just found these items and I want to inform you officially that these accounts are not mine. I am victim of identity theft and I want to complain on these items. I just can not move forward in my life due to this situation and I consider it as violation because these accounts are not mine. If you can please remove them from my profile after verification.
Product: Credit reporting or other personal consumer reports

This account was charged off on. The following date XXXX of 2021 since then the account has repeatedly been updated as charged off every month. This is an update in the payment history a charge off account should NOT include an active payment history. This in accurate information falsely manipulates the statute of limitations. 
You failed to investigate this account properly and youre neglect has violated my rights. I am demanding of the following account number XXXX with XXXX XXXX XXXXl to be remove from my my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

VW Credit is incorrectly reporting date of activity on my credit report for Husband,  XXXX , and NOT MINE. My date of filing was  XXXX / XXXX / 2015  - Date of discharge  XXXX / XXXX / 2015 . VW Credit in violation of Chapter  XXXX  discharge reporting late after filing date. They are also in violation of FCRA and FDPCA since this has been reported several times and VW credit continues to refuse to correct the error they say they are correct and in their validation still show the wrong dates.   XXXX  At this point they are clearly indicating the error - see #  XXXX .
Product: Credit card

I am XXXX XXXX, and I am filing a formal complaint with the Consumer Financial Protection Bureau regarding an incident involving a purchase I made at XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX with Comenity Capital Bank sponsored credit card. 

I was enticed by an offer presented by Comenity Capital bank in collaboration with the XXXX XXXX XXXX, which advertised that I would not incur any interest charges if I paid the total balance by XX/XX/XXXX. Trusting in the integrity of this offer, I decided to open a XXXX  card account with your bank and made a substantial purchase of appliances totaling XXXX. I firmly believed that I would be exempt from any interest charges until the specified date of XX/XX/XXXX. 

To my satisfaction, upon receiving my statement on XX/XX/XXXX ( see attached XX/XX/XXXX statement ), I discovered a warning on PageXXXX. This warning indicated that I needed to pay the sum of XXXX in full by XX/XX/XXXX to avoid accruing interest charges. I took this warning seriously and understood that prompt payment was essential to avoid any unexpected interest costs. 

In response to this, I promptly made XXXX separate payments XXXX amounting to XXXX  on XXXX ( as evidenced in the attached by the XX/XX/XXXX Closing Date Statement ) and another payment of {XXXX on XX/XX/XXXX ( as indicated in the attached XX/XX/XXXX Closing Date Statement ), totaling XXXX. I believed that I had taken the necessary steps to meet the payment requirements. To my dismay, despite my efforts, I was still charged XXXX  in accrued interest. 

What further exacerbated this situation was my subsequent discovery that buried within XXXX of the bank 's statement was an undisclosed " minimum payment '' requirement, which was never mentioned in conjunction with the " XXXX interest '' offer. This requirement was not provided in the XXXX XXXX XXXX on XXXX XXXX of the bank statement. It appears that this additional " minimum payment '' requirement was intentionally omitted from the warning, which is deeply concerning and unfair. This lack of transparency is highly disconcerting and has left me feeling deceived and frustrated. 

I reached out to the company to refund XXXX  accrued charged but they denied it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the Security Breach with EQUIFAX, I inquired with EQUIFAX is I am one of the consumers at risk, EQUIFAX stated there is that possibility, so I Immediately Contacted the 3 Major Credit Reporting Bureaus Individually to place a FREEZE on my account with each Credit Reporting Bureau. I am a New Hampshire resident therefore the charge is 10.00 per Credit Bureau, XXXX processed my request and has sent me written confirmation that my Credit Bureau Information has a Freeze, XXXX  has sent me written confirmation that my Credit Bureau Information has a freeze, both were processed immediately. HOWEVER EQUIFAX were the Security Breech began HAS NOT processed my request to FREEZE my credit bureau account, instead they offered me a free Credit Monitoring Service, I do not want a credit monitoring service, I want my consumer right of placing a FREEZE on my Credit Bureau account since my information may have been compromised. This is extremely troublesome that the Credit Bureau where the security breach occurred is the only Credit Bureau that has NOT granted my request. 
Please Advise my next steps of action I can take to secure my personal information with EQUIFAX. 

Thank you
Product: Credit reporting or other personal consumer reports

I demand that the Chex systems people and it's people who they do business with delete all accounts information and data with information regarding me and personal life they have been hindering me and I have not been able to be free and financially stable. 

The information has been very false, misleading and after numerous attempts and given 30days+ I have not received a confirmation request Please delete all information that you have of mines from the Chexs systems and the banking who posted it..
Product: Credit card

XXXX credit cards were processed during the last year without my knowledge : CBNA/THD - The Home Depot XXXX  Run on XXXX XX/XX/year> XXXX - XXXX - XXXX XX/XX/year> BEST BUY - XXXX of 2023 I tried to apply for a credit card in XXXX of XXXX for Best Buy and was declined on the premise of there already being an application being processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to EXETER FINANCE LLC about the false reporting and haven't received a reply its been 30 day and i still haven't heard anything this is highly illegal and i dont own an account with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Comenity Capital to state I was struggling due to COVID-19 and that I had not received my statement to my email address, mail or online account and since they do not allow autopay, I forgot to make my payment. I received the first phone call about my late payment only AFTER they already reported my payment late to the credit bureau. How terrible is that? 

My dad has stage XXXX XXXX, my husband lost his job, I am working 65 hours per week and my in-laws have been recovering from XX/XX/XXXX and XXXX wants to ding me over 2 missed payments to the time of {$60.00} which I paid immediately when they called me and have since paid off my balance in full. 

They are cruel, predatory and unfair and state that they are helping consumers in accordance with the CARES act and when I called them they stated that they could do nothing for me playing completely XXXX. Please help or my families financial future will be crushed. This caused my credit score to go down below any acceptable range for any lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out certified over 60 days ago and have not be notified as a consumer I feel like these people are taking advantage of normal people
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has completed my disputes but the results are just as incorrect and I 've filed disputes multiple times. I can honestly see that   XXXX   is letting a computer determine the results because they do n't even make sense. When I call the executive office, they do n't really want to help, the only thing they want to do is argue. There are multiple incorrect accounts of which  XXXX  creditors are reporting incorrectly. The first  XXXX  is  XXXX  Bank, they have violated their terms and agreement and the late payment that was reported is incorrect.  XXXX  Bank has been reported to the FDIC for the improper conduct and the late payment was removed from  XXXX  and  XXXX . The second Creditor is    XXXX   XXXX   XXXX  , they sold th e account to  XXXX  collection Agency and as a result that TERMINATED the company 's legal right to continuously report. I 've sent in the info to show that the account was settled and closed in    XXXX   XXXX   XXXX  ,  XX/XX/XXXX  has yet to update and correct the account as closed. The third  incorrect Creditor is   XXXX  ,   XXXX   is incorrectly reporting that the account is still being charged off As of   XXXX   XXXX   that is incorrect the account was settled and closed in   XXXX   XXXX   XXXX  ,  XXXX  has yet to correct this. I know it 's not  XXXX  's fault because it 's been corrected on other bureaus except  XXXX . The last creditor is  XXXX . On  XXXX   XXXX   XXXX  has incorrect and mismatching information which violates several FCRA laws. I 've disputed and complained, sent in letters and the  XXXX  accounts are still incorrect. Multiple months are missing payments and it says ND ( no data ) instead of OK. That is incorrect and a violation. The fifth Creditor that is reporting incorrectly is Texas Guaranteed  XXXX   XXXX   XXXX . This was not a collection account nor charge off in  XXXX . The account was paid and closed in  XXXX . It has a negative payment for the month of  XXXX  when it was clearly paid off and closed. Another reason how I know it 's incorrect because the  XXXX  of  XXXX  does n't allow individuals to consolidate a student loan that is in DEFAULT. These companies are clearly violation FCRA. Experian is allowing the Creditors to report invalid information in addition to reporting and coding certain incorrect information on the credit report in order to recieve a profit. I 've asked several humans/managers/supervisor to look into this And not to let a computer decide, instead the only thing they do is dispute and let a computer decide. It 's a disappointment because  XXXX  line of the   XXXX    Mission Statement says " transforming our relationship with consumers and delivering growth consistently ''. Honestly, they 're not doing any of that for me and shows the company is not following their own mission statement. I hope THESE issues can get resolved quickly so I can have a chang e of  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX got the loan before me getting XXXX for 7 years o have sent award letters and or off I'm XXXX and it still is on my credit report I followed every thing to a T! And still get calls to repay I sent everything they wanted for my XXXX why is it still listed I don't get much every no from XXXX  I need help please
Product: Money transfer, virtual currency, or money service

I submitted a money transfer request of {$5000.00} to Western Union on XX/XX/23. 
I wished to purchase a car in another state and wished to send the seller the purchase price. 
On the evening of XX/XX/23 Western Union withdrew {$5000.00} from my bank account. 
On the following day, XX/XX/23, Western Union informed me that the transaction was " Refunded '' as they believed the transaction to be a scam. ( The transaction was not a scam as I sent the seller the money by other means and I am now in possession of the car. ) As of today, XX/XX/23, Western Union has NOT refunded my money and Western Union is still in possession of my {$5000.00}. 
The attached bank summary shows that Western Union took {$5000.00} from my bank account on XX/XX/23 and has not made any refund to date. The second attachment shows that the transaction was " Refunded '' by Western Union on XX/XX/23, however no refund has been made. 
Please help me recover my {$5000.00} with interest and punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and i noticed several accounts that are not mine. I have had my personal information stolen in the past but i never noticed anything until i checked my credit i will list the fraud account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX XX/XX/1990 last XXXX XXXX
Product: Mortgage

My mortgage was sold to Central Mortgage Company, based out of XXXX XXXX, AR. In order to pay online they charge a {$5.00} convenience fee. In order to send an extra payment they charge a convenience fee. In order to set up bi-weekly payments, they charge a {$200.00} fee PLUS {$3.00} per payment. All of these fees seem shady at best, and I did n't choose this company as my mortgagee. I feel trapped with no recourse for this company 's ridiculous fees.
Product: Debt collection

Got served paperwork to appear on court for a debt they say I owe from midland credit management on the XX/XX/XXXX. The paperwork says it's from a XXXX XXXX credit card, and I paid it off already.