23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I saw that I had received a derogatory mark on my XXXX and XXXX credit reports for a debt sent to collections owned by Wakefield & Associates. 

The status is : " Collection account. {$640.00} past due as of XX/XX/XXXX. '' I also see " Status Updated : XX/XX/XXXX '' on my report. The report from XX/XX/XXXX was the first time I heard anything regarding this debt collection or anything of Wakefield & Associates. My credit card company is the XXXX who notified me, bringing my attention to a new account on my credit report ; I have still never been contacted by Wakefield & Associates or the original lender themselves. 

I have disputes with XXXX and XXXX for this reporting, but XXXX has " validated '' my debt with Wakefield & Associates, without providing any supporting documentation or evidence ( XXXX dispute is still in process ). XXXX has no record of this collection. 

I have never received communications from Wakefield & Associates, via phone, email, or letter. I did not receive a debt validation letter or a notice that I owed money prior to them appearing on my credit report. I have never heard of either Wakefield & Associates or the original creditor, XXXX XXXX XXXX XXXX XXXX, which appears to be based in a state I have never been to. 

I have been at my current address since XX/XX/XXXX, and have access to mail sent to my last residence as well ; I have not received any notices pertaining to this debt. 

Regardless of whether or not this debt is mine, Wakefield & Associates did not satisfy their statutory requirement to give notice and perform due diligence in attempting to contact me and either receive payment or allow me an opportunity to dispute the debt. They have caused undue hardship in the form of a hard derogatory mark to my credit score without giving me an opportunity to rectify the situation, either through payment ( if the debt is valid ) or dispute ( if it is invalid ). 

Additionally : If this debt is mine : XXXX XXXX XXXX XXXX XXXX also did not communicate with me before sending me to collections. 

If this debt is NOT mine : I do not believe XXXX properly validated the debt, as they did not have any information or proof for me confirming the debt is in fact mine, and they have extended the process of this unnecessarily. I do not yet know the results of the XXXX dispute but expect similar results.
Product: Checking or savings account

On XXXX, XXXX XXXX I paid {$8900.00} from my Wells Fargo checking acc for a mentoring to be a real state inversionist, name XXXX XXXX XXXX XXXX. Another {$390.00} for the first seminar on XX/XX/XXXX. And also XXXX for the XXXX on XX/XX/XXXX. The organization offered things that never did. I submitted a complaint to the Federal Trade Commission with other people and they found that this Organization is a froud. I ask the WF Bank claim an they said that they do not going to return the money because there was a year. But until this time XXXX, XXXX I didn't know that it was a fraud Organization. I have all the documentation including the FTC resolution and my effort to contact them to receive my refund since last year.
Product: Checking or savings account

First of all I've been a loyal customer with chime Bank for almost 4 years now I got incarcerated in early XX/XX/XXXX and was detained/ incarcerated at the XXXX XXXX detention center all the way from then until I was released on XXXX the XXXX XXXX I've sent multiple emails to time explaining that I just want my account to be reopened back up and an investigation done I had a very small amount of money in my time account the day I was arrested I do believe it was like {$45.00} something along the lines not really so much worried about the money more worried about the fact that chime refuses to investigate also refuses to give me my almost 4 years of bank records I have a Time credit builder account with them also that I can't log into because they closed my regular time begging account which makes it to where I can't log in at all I have been emailing chimes customer support back and forth for the last 2 weeks and they keep emailing me back the same small three sentence reply we looked further into your account and we are unable to reopen your account due to a negative balance of {$2.00} yes {$2.00} and that's it nothing they can do about it they say so a loyal customer of time myself XXXX XXXX I was banking with chime in the state of Maryland when many people in Maryland didn't even know what or who chime was I recommended a lot of people to time do believe I still didn't get my referral bonus for a few of them but that's not what this complaints about this complaint is mainly about time doing no investigation when I emailed them and once again on this complaint going to state I am more than willing to supply any and all documents proven my identity including my state of Maryland identification card birth certificate etc and I'm more than willing to provide documents proven I was detained and incarcerated on the XXXX of XX/XX/XXXX and wasn't released from the XXXX XXXX detention center until XXXX the XXXX XXXX chime needs to have a supervisor really take a look at how I was a loyal banker of chime and used chime a lot receiving direct deposits from my employment and putting cash deposits in myself paying all my bills through time because my time was connected to my XXXX XXXX so I would get the boost on my credit score through XXXX booze by paying my XXXX XXXX XXXX bills on time. I think it would only be right for chime to investigate and at least reopen my chime banking account so I can keep my time credit builder account in good standings also and add money to my time checking account so I will be {$2.00}-
Product: Credit reporting, credit repair services, or other personal consumer reports

As I know and as you should know that pursuant to 15 USC 1681 ( b ) ( Permissible Purposes ) as well as the FCRA section 604 ( a ) ( 3 ), you are in violation, by allowing multiple 3rd parties to access my private and personal information. This has not only damaged my personal but my family and household as well. By allowing my report to be viewed without my direct authorization is an invasion of my privacy as well as being illegal! 





-Notice to agent is notice to principal, notice to principle is notice to agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX have ruined my credit by using student loans that are deferred since covid hit. My addresses arent correct which there is no way to dispute that i can find. They will not allow me to dispute any inaccuracies in my accounts. There are several accounts not even listed on my credit report. All three credit reports are not even close to the same. This is why i believe these agencies are working for the companies and sure dont care about the consumer. This is biggest scam ive ever seen on keeping the average citizen down. Heres a thought, how about you teach this in highschool. Ive never ever had anyone explain this to me ever. The process to even dispuye anything is so complicated that its in the companies favor so much so that this should be illegal! I want to write a letter to Congress. I cant even get a loan to buy a {$18000.00} that is worth XXXX when i make XXXX something is really wrong with that. you cant ever fix your credit once you XXXX it up. its not possible.
Product: Checking or savings account

I got an offer from Wells Fargo for a {$300.00} bonus for opening a checking account and meeting certain requirements with a XXXX XXXX XXXX. 

I opened the account online using the website wellsfargo.com/XXXX which was specified. However, they did not prompt me for the Promo Code and instead applied a different promo Code XXXX. 

I completed the process, and downloaded the BONUS DISCLOSURE ( see attached ), but nowhere on the 2 page document does it mention the amount of {$300.00} as the bonus I will get if I meet all the requirements. 

I went to a branch, and was told I need to call their toll free number since account was opened online. 

I just finished the phone call, and the person would not send me an email confirming that the amount of bonus I will get is as {$300.00}. She said I will know it when I get it, which is four months away. Given Wells Fargo previous frauds, how can we consumers trust them to do so, when they refuse to put the bonus amount in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint ( # XXXX ) on XX/XX/2022 that I couldn't get a hold of a representative from Experian on the phone using the phone numbers they provided. They sent me a letter which I attached to this complaint which sounds like they're not going to verify this item on my credit report. Just because they choose not to, they want me to send them the same information that you already forwarded them through my complaint. I am sending them out today certified paper copies of the same information they already have. The courts do not report to them which is attached to this complaint and I do not give anyone permission to put out or sell unverified information about me. XXXX is their furnisher who I opt out of in XXXX that confirmation letter is attached to this complaint as well. But Experian says this item ( ID # XXXX ) was verified in XXXX. Either this is a mistake or a lie, someone should look into their verification process.
Product: Debt collection

Total Card, Inc is representing the creditor XXXX XXXX, XXXX that is trying to collect on an old debt for a XXXX XXXX bill dating back toXX/XX/XXXX or XX/XX/XXXX. I received a collection notice in the mail on XX/XX/XXXX from Total Card, Inc dated XX/XX/XXXX. This debt is past the 7 year statute to collect and is likely listed on my credit reports as a charge-off. It shows that if I acknowledge this alleged debt in any manner, the time to collect and potentially have a lawsuit filed against me could be renewed.
Product: Credit card or prepaid card

I contacted Bank of America several times starting in XXXX XXXX requesting the company to give me half of my remaining rewards, because I had closed the account at the beginning of the year. 
The bank told me I needed more purchasing to earn the needed XXXX points and only had about XXXX. I suggested they send me a gift card of {$12.00} to show fair business practices, they refused to do so. I can show and state that XXXX XXXX sent my remaining points in a small check to demonstrate good business practices. Bank of America does not demonstrate any of the usery law features to their customers. 
It is unfair all my points go into an " abyss '' and they benefit from all the thousands of dollars I spent on this credit card ...
Product: Credit reporting, credit repair services, or other personal consumer reports

My mothers credit file ( XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX ) is showing a Chase Card, XXXX XXXX, XXXX, DE. XXXX, XXXX opened on XX/XX/XXXX when she was XXXX years old. On XX/XX/XXXX this account was closed, charged off with a balance of {$11000.00} due. With a Power Of Attorney I contacted Chase VP XXXX XXXX in their CRA department as well as numerous managers to validate the debt to no avail. Chase employees have repeated given me a facsimile line of XXXX to send the document in order to discuss this account. On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX this was done. Additionally A copy was sent to Branch Manager XXXX " XXXX '' XXXX of their XXXX, Ga. branch with no resolution. 

As of this morning I again talked with Senior Specialist XXXX? -XXXX and was told he would not be able to discuss this account. Chase has begun a deliberate and unlawful refusal to validate this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I XXXX XXXX XXXX XXXX XXXX   XXXX Credit CardXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXXInquiry from XX/XX/XXXXXXXX XXXX Closed : XX/XX/XXXXXXXX XXXX XXXX Closed : XX/XX/XXXXXXXX XXXX Closed : XX/XX/XXXX $ XXXX XXXX XXXX XXXX - XXXX XXXXNeeds Attention Last reported : XX/XX/XXXXXXXX XXXXNeeds Attention Last reported :XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking  fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX ss XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

There is inaccurate addresses and employers being reported no my credit report erroneously by XXXX, XXXX and Equifax. These addresses does not belong to me nor do I reside there. This inaccurate information may negatively impact my credit and mis represent my Identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I financed a car loan through XXXX XXXX XXXX. An internal error occurred and 2 auto loans ( for the same car ) were inadvertently entered under my name when I only purchased 1 vehicle ( XXXX XXXX XXXX ). The owner, a really nice gentleman by the name of XXXX, closed out the erroneous auto loan and submitted evidence to all 3 credit bureaus to delete the duplicate tradeline. Each CB deleted the tradeline except Equifax. Each month, XXXX XXXX XXXX and myself submit to delete the duplicate auto loan trade line and Equifax refuses to properly investigate and delete, this has been an ongoing issue and falsely manipulates my credit report into reporting more debt that I actually have. It is hindering my home buying process because it appears I have 2 auto loans when I In FACT have only ONE. Each time I dispute, Equifax swears by their decision and claims the loan is factual and belongs to me. I have documents to prove that north state has deleted the account on their end so why is Equifax still reporting this account as open and not closed and deleted. This is a total discrepancy and infringement on my rights as a consumer and I want this tradeline deleted from my credit report immediately. I have attached a document from XXXX XXXX XXXX with the code DA- which means deleted account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I transferred {$380.00} to another Zelle user using my XXXX  XXXX XXXX app to pay for concert tickets. The zelle  user is XXXX XXXX ( Cell XXXX ) ( Email XXXX ). The user took the money and never delivered tickets despite sending emails and texts representing that they had tickets. I tried to dispute with XXXX  XXXX XXXX which represents Zelle as being secure but it is not. I also tried disputing with Zelle.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account into my account transactions.
Product: Student loan

XX/XX/XXXX. I took out a loan to go to XXXX XXXX  to study XXXX, but I didn't finish the degree program. 

As of XX/XX/XXXX, I owe {$7700.00} for the classes I took at XXXX XXXX. 

For over a decade I've been paying on this loan, therefore, it should have been paid in full. 

I am disputing {$7700.00} because I didn't finish the XXXX  degree program.
Product: Credit reporting, credit repair services, or other personal consumer reports

DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT US DEPT ED XXXX {$3500.00} XXXX  XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$98.00} XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have a current loan with regional finance on XX/XX/year>, i reached out to them to let them know i needed a refinance i only had XXXX payment due. XXXX week passed XXXX weeks passed i kept calling they said they sent docs for approval at head office, they have the head office calling me constantly that my loan is past due they made another payment catch the other one and stated they were moving from XXXX office to the next and the documents i sent got delayed due to that fact. Then they came back asking for tax returns offering another low interest product for XXXX  months. Then after that they stated it was not approved this is XXXX weeks after sending in my documents because they were told the manager of that branch said i have to make another payment before it can be approved, but i stated that i only had XXXX payment you all had the documents sitting on for weeks, i stated i cant make the payment, even though notes are made on the account they keep calling my my phone after advising them that i will make XXXX payment in XXXX. This is wrong on they should have kept their promise. They have multiple locations constantly calling i think they made the account go into default and im not sure whats the motive here. I have been a customer for a quite a while.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a hard inquiry on my credit report. I called Capitol One NA. They informed me that someone had entered an application for a Walmart card. I told them that I have not applied for any type of card.
Product: Vehicle loan or lease

Loan is paid off. I can never log in to view balance and fee info. I've been paying cc transaction fees because I have no way to log in to set up alternative payment methods. Password is always incorrect. Password takes multiple days for emails to reset. I have the password saved into XXXX. It's always something. It is intentional. Haven't received my title after payoff. No way to request title because I can't login to their website. Probably get a fee for that too.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries that i did not authorize. 
XXXXXX/XX/XXXXXX/XX/year>
Product: Checking or savings account

On XX/XX/XXXX I had a transaction for a mechanic XXXXXXXX XXXX XXXXXXXX for {$1000.00} on my debit card. I reached back out to the merchant the very next day as well as a month later to please look at my car as it sounds horrible and worse in the same area that he fixed. He told me know and that he could not do anything for me for 2-3 weeks and if I could not wait I had to find another mechanic. I was shocked and really upset. But I was told to file a complaint for a dispute with Truist back as it was a service that I got ripped off for. I filed several complaints the XXXX the Division of Consumer Affairs, and a dispute with Truist. I had a hard time from the beginning and I spoke t a supervisor named XXXX who said he would be able to help me, and to send in a copy of the invoice and the receipt and I did just that. It got denied twice as the claims person said I needed a voided receipt and now how can I get a voided receipt if I can not even get the man that owns the shop and who repaired my vehicle to fix the vehicle after a month. The car has a warranty on it and the paperwork to support everything was sent in to Truist claims. I am really disgusted that this claim is not being handled professionally as this could happen to anyone. I expected Truist to be on the customer 's side as this was a clear cut case. But needless to say I have spoken to several people and they all say something different and the supervisor XXXX promised to call me back and never did it was only when I called in and said I was filing a complaint did he get on the phone and try to explain the horrible choice the agent made in handling this claim.
Product: Student loan

I recertified income for my student loan XX/XX/XXXX as my account was stating this was due. This resulted in my payments increasing and me being moved from XXXX to XXXX repayment plans. 

In XXXX, the department of education announced that income recertification was being pushed back until at least XX/XX/XXXX and those who had recertified should be able to revert their payments to the prior amount. 

I contacted MOHELA about this in XXXX and XXXX and was given conflicting information ( they needed prior recertification documents, they didnt need the documents, then that it would be automatically fixed in XXXX during a mandatory forbearance ). 

I filed a complaint with the Department of Education who stated on XX/XX/XXXX that MOHELA had 30 days to return my payment and plan to the prior amount, place me in administrative forbearance for the months that were incorrect and refund my payments ( FDMS case # XXXX ). 

My payments were not fixed in XXXX and I continued on XXXX. With the court ruling on XXXX, MOHELA has now told me in XXXX separate phone calls that my account is frozen and no changes can be made ( XX/XX/XXXX, XX/XX/XXXX ). I was told there would be follow up within XXXX business days of the XX/XX/XXXX call after forwarding to management but this has not happened. They are not honoring the Department of Education findings and over 30 days have passed. 

My account is only on XXXX because they did not correct the issue in a timely manner. My loan forgiveness is due in 1 year and I am currently not having payments count because of their mistake. I feel that their inability to follow Department of Education guidance on income recertification is leading to XXXX ) unfairly high increases in payment and XXXX ) unfairly limiting my ability to complete the payments needed for my public service loan forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

i call the credit bure au  XX/2016  and  spoken will with upper management i ask about my report i was told their was only just  XXXX  item on my report and i pull my self the only item that was listed on report was a fed loan no public record or anything else all this inaccurate was remove from my file and i check again so month later these things reappear by law sect ion 6-11 of  the fair credit reporting act if item has been remove from credit reporting you must receive a letter within 5 days notification if item would be replace back on report here is item that was remove  XXXX   XXXX   XXXX , Tn Fed Bankrupt, Tn Fed Bankrupt, Tn Fed Bankrupt these three was in public record, Mississippi Div