23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had multiple federal student loans, I was advised to consolidate them because I qualified for XXXX XXXX XXXX XXXX. Before I consolidated, some of the loans had different interest rates. Once I consolidated, the interest rate was higher on multiple loans. I was in the program for 1 year, they required that I recertify my income for 2016 - because I got married and filed jointly with my wife, her income was included in the calculation. I was notified in XXXX 2016 that I no longer qualify for the program and my payment has jumped from {$290.00} to {$630.00}. That is more than double. I feel like I was given incomplete or inaccurate information regarding the program and now I am stuck with a higher interest rate and a much higher payment.
Product: Credit reporting or other personal consumer reports

Hi! 

A Company named XXXX XXXX, from Delaware, made a hard credit inquiry on my XXXX, and perhaps other as well, credit report. This happened on either XX/XX/XXXX or XX/XX/XXXX. I don't know this company nor I haven't asked for any loan or credit card with them. I am concerned this may be a fraud attempt. I've been forced to waste a lot of time on calls ( called XXXX XXXX XXXX several times with no result ) and emails. 

Parallel to this, on XX/XX/XXXX, ANOTHER company I know nothing about, US Bancorp, made another inquiry on my credit score. This one happened at least on XXXX, perhaps other reports as well. Same situation, I haven't asked any financial product there and I am concerned this may be a fraud attempt. In this case I had no information on how to contact them so I haven't written nor called.

Would appreciate a lot your help on this, finding out what happened, prosecuting these two companies and fixing this information in all three of my credit reports ( at least XXXX XXXX, XXXX ) as these companies are violating my rights and damaging me. Also, if possible, would appreciate some email or evidence supporting that I'm making this claim. 

I only have screenshots of XXXX XXXX / XXXX  showing this credit inquiries, will provide as needed. 

Thank you so much and kind regards
Product: Vehicle loan or lease

Subject : Request for Reconsideration Auto Repossession on Credit Report I am reaching out regarding an auto loan for a vehicle jointly financed with a second owner. Unfortunately, the vehicle experienced a catastrophic engine failure despite being under both the manufacturer 's and an extended warranty. 
XXXX XXXX in XXXX, TX, diagnosed the issue but refused warranty coverage, alleging unauthorized modificationsclaims that were entirely false. The actual failure was due to a faulty water pump, which, while listed in a Technical Service Bulletin, was not covered. Both XXXX and my extended warranty provider denied the repair, leaving me with an unaffordable {$15000.00} engine replacement cost. 
Given these circumstances, I had no choice but to discuss voluntary repossession with Santander. The vehicle was sold at auction, leaving a remaining balance of {$9800.00}. Around this same time, I lost my job due to the XXXX XXXX XXXX and was financially unable to continue payments. 
I have since worked diligently to rebuild my credit and financial stability, making timely payments and settling debts. However, this repossession is a significant obstacle to moving forward. I want to contribute positively to the economy and continue improving my financial standing, but this mark on my credit is holding me back. 
I kindly request your assistance in removing this repossession from my credit report. Any help you can provide would be greatly appreciated.
Product: Mortgage

I am a customer with flagstar bank, I was supposed to be sent a cheque for XXXX XXXX on my escrow account. Flagstar said they sent me check on XX/XX/year>. I haven't received the check and called them multiple times so far. At last they found out that they sent check to different customer. 

Amount in discussion is XXXX XXXX instead of correcting the issue they are bothering me to sign an affidavit form and notarize it which costs again me money ( they asked me to send a indemnity form already, which i did on XX/XX/year>. They are causing me lot of stress and financial distress since XX/XX/year>, its been already close to 3 months now and making me suffer all this long. Please help me get my funds without me having to bother this much.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I got a message form Coinbase that my account was closed. There had been some suspicious activity on my account that I had tried earlier that week to notify Coinbase about. They merely told me to change my password. 

I tried to transfer my fund outs but the app won't let me. I called Coinbase and finally got a person and a case number. They said I should be able to withdraw and move my funds in XXXX  days. I am not able to do that. I have called the company have been on hold for over XXXX hrs. 

I have invested {$5300.00} and withdrawn a little, so I have over {$3000.00} still invested. 

Please help me get my crypto cashed out and/or transferred.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT REACHED IT'S 7 YEAR EXPIRATION DATE IN XX/XX/XXXX, YET IT STILL APPEARS ON MY CREDIT IN CLEAR VIOLATION OF THE FCRA LAWS!!! 

DO NOT SEND ME ANY PHONY LETTERS DEMANDING I IDENTIFY MYSELF! I HAVE DONE WHAT THE CFPB REQUIRES ON THIS SITE WHEN FILING THIS COMPLAINT! 

YOU ARE IN CLEAR VIOLATION OF THE FCRA LAWS FOR ALLOWING OUTDATED NEGATIVE INFORMATION TO REMAIN ON MY CREDIT PAST ITS TIME! 

I WILL BE WELL WITHIN MY LEGAL RIGHTS TO SUE YOU UNDER THE FCRA LAWS AND WILL FOLLOW THROUGH ON IT WITH THE PROOF OF MY CREDIT REPORT FOR XX/XX/XXXX WHICH I PULLED TODAY AND THE OUTDATED ACCOUNT REMAINS DUE TO YOUR REFUSAL TO REMOVE IT PER THE FCRA LAWS!
Product: Credit card

I told capital one to remove the charges do not add them back on my credit card they removed the charges and add them back on I contacted XXXX support and told I believe Im being charged twice
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently got a copy of my credit report and noticed that there was an inquiry on my consumer report that I didn't authorize nor gave anyone permissible purpose to put anything on my profile. I don't recall doing any business with this company, nor have any supporting documents ben sent to me saying I ignition this inquiry or any open accounts supporting so.
Product: Debt collection

The collection agency is attempting to collect on a debt that I do not owe to the original creditor. The collection agency is aware that this is a debt that was subject to a lawsuit in small claims court. I won a judgment and was declared not to owe anything to the original creditor. The original creditor owes me monies. The collection agency is aware that this is a disputed debt and has yet to validate the debt despite repeated request to do so. I have attempted to work also with the credit reporting agencies to remove the debt from my credit to no avail. The collection agency keeps reporting and updating my credit report with negative information about this disputed and invalidated and fraudulent debt. I have had financial issues due to this ( have been denied credit, have received a higher interest rate )
Product: Credit card or prepaid card

I used to have a XXXX card with American Express ( ending in XXXX ), which I asked to be closed back in XXXX or XX/XX/2019. XXXX months ago, I received a statement for this card, showing a charge of {$160.00}. 

I immediately called the AMEX customer service to dispute this charge, saying that I never received any goods or services and that this card account had been closed over XXXX and a half years ago. They agreed to investigate and suspend the payment due for this charge. 

I also tried to contact the merchant, XXXX XXXX in New York however, the phone number listed on the charge as well as on their website, is simply a voice mail drop, with no access to live operators. They offer an email form, which I filled twice at a month interval and remain unanswered to date. 

American Express reinstated this charge, asking for payment and I disputed that charge again in writing. I can not understand how a closed account can be impacted with new charges so long after the actual closure date of this account.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Ref : Bank of America - Home Loan number : XXXX Bank of America - Escrow Account Number : XXXX To Whom it May Concern, XXXX XXXX is XXXX XXXX of age and has been a customer of Bank of America for over 40+ years. 
I am XXXX neighbor and dear friend and I happen to work in the Financial Industry. 
For the past two years XXXX has kept me informed of the challenges that he was having and I could see how taxing this was on his health. He has spent, ( countless hours on the phone and at the branches ), imploring, that something was wrong with his mortgage, he has never been late on a mortgage payment in his life. ( See attached XXXX spreadsheet ), of the attempts to fix this issue with Bank of America. 

In XX/XX/XXXX XXXX received a real estate loan in the amount of {$220000.00} to purchase a property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Prior to his loan closing he opened an escrow account with Bank of America to make his Principal, Interest, Taxes, and Insurance payments monthly. This escrow account was funded from a XXXX XXXX account # XXXX. In XX/XX/XXXX they set up for an ACH debit from their XXXX Account to the BofA escrow account monthly, ( see attached statements ). 
When they received the XX/XX/XXXX mortgage statement, he noticed that the mortgage payment was not made for the month of XX/XX/XXXX but the XXXX ACH debit went through to Bank of America Escrow Account, they assumed it crossed electronically. 
On XX/XX/XXXX they received a letter from BofA Home Loan Account that they were delinquent. This is where the nightmare begins, ( See XXXX Spreadsheet ), outlining all of the phone calls, letters, in person visits, to no avail. BofA confirmed that it was their mistake and this would not impact XXXX credit. I told them to pull his credit immediately and yes it showed in arrears 30, 60, 90 days delinquent on their mortgage. His credit score plummeted to XXXX via XXXX. 

At this point at the end of XXXX, throughout XXXX and XXXX, they continuously show delinquent on their mortgage payment. Their cries for help have fallen to no avail. 

Please call my Partner who is on the deed of trust XXXX XXXX at XXXX Attachments : 1 ) XXXX Spreadsheet showing continual contact and case numbers from Bank of America 2 ) Bank of America Mortgage Statements by month 3 ) XXXX Statements showing ACH debits to credit BofA Escrow.
Product: Debt collection

I looked at my credit report in 2020 & saw I was being wrongfully/in-accurately charged, so i decided to reach out & dispute with Ad astra Recovery Services about the incorrect/inacurate balance owed. Once This inaccurate debt started posting on my credit report through Ad Astra Recovery Services I made multiple attempts to reach out to Ad Astra Recovery Services & told them " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. ( you being : Ad astra Recovery Services ) Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' no proper evidence was ever sent to me providing my signature showing that I owed, or was in debt, or ever have been in debt with Ad astra Recovery Services. Dates attempted to reach Ad astra Recovery Services were XX/XX/2020 & XX/XX/2020 ( Via certified mail ) Account # XXXX
Product: Credit reporting

I have informed you that the XXXX Account that is reporting on my credit file is not my account. Please removed this account from my credit file, immediately. Please see the attached police report notifying you that I was a victim of identity theft.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  Subject : Formal Dispute of Inaccurate Late Payment Reporting for XXXX  XXXX Account Dear CFPB, I am writing to formally dispute an error in the reporting of my XXXX XXXX account ( # XXXX ) on my credit report. Specifically, your records indicate a 30-day late payment for XX/XX/2024, which is inaccurate. I have reviewed my payment history, and my records confirm that all payments for this account were made on time, including the payment in question. 
Reason for Dispute : The reported late payment is inconsistent with my financial records, which show that I made my payment for XX/XX/2024 well within the due date. This error is damaging to my creditworthiness and must be corrected immediately. 
Supporting Documentation : To aid your investigation, I have included : A highlighted copy of my credit report identifying the disputed entry. 
A copy of my government-issued ID for identity verification.

A copy of my Social Security number card to ensure accurate identification.

Legal Framework and Request for Action : Under the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i ( a ) ( 1 ) ( A ) : You are required to investigate disputes and ensure all information reported is accurate.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : You are required to provide a detailed description of the procedures used during your investigation.

15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : A consumer report must not contain information that is inaccurate or unverifiable. 
I hereby request the following : Correction of the inaccurate late payment. Update the account to reflect the correct status of " Paid As Agreed Never Late. '' A detailed explanation of your investigation process, including how the reported late payment was verified. 
Documented evidence supporting the claim of a late payment, including the date, amount, and any related communication. 
In the absence of verifiable proof of a late payment, I demand that you promptly update this account to reflect its accurate payment history. Failure to address this issue within the 30-day timeframe mandated by the FCRA will result in further action, including escalation to the Consumer Financial Protection Bureau ( CFPB ). 
Summary of My Expectation : Account Status : Paid As Agreed Never Late Updated Payment History : Accurate reflection of my on-time payment history Investigation Report : Explanation of procedures followed and evidence reviewed Thank you for your immediate attention to this matter. I look forward to your response and resolution within the legally required timeframe. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

This was an attempt to get them to remove their complaint against me on my credit report. I paid them {$510.00} on XX/XX/XXXX, I have talked with them about this, they said they never received any money from me. I emailed a copy of the transaction from my bank, to both companies involved, UNIFUND LLCXXXX XXXX XXXX XXXX XXXX, Oh XXXX, and to XXXX XXXX XXXX XXXX XXXX Subject XXXX. To this date XX/XX/XXXX, it is till on my credit report. I will attach a copy of my bank transaction to this so you can see what I'm talking about. My contact at UNIFUND LLC was XXXX XXXX, Chief Compliance Officer XXXX XXXX XXXX email XXXX, she told me they hadn't received any money and that XXXX  was the one incharge of this at XXXX XXXX. I just want it removed from my credit report as I paid it with good intentions that it would be removed.
Product: Debt collection

Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove all items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX Balance : {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment was returned due to a bank error concerning an extended hold on certified funds due to a system error. My bank ( XXXX ) has acknowledged this and refunded the fees associated with the mistake but I still incurred a late payment from my lender. This is unfair and not my fault. This needs to be corrected immediately. This has cause me great stress.
Product: Credit card or prepaid card

My Citi credit card account was closed XX/XX/XXXX with an ending balance of {$730.00}. My credit limit was XXXX. Upon receiving my next billing statement after the account was closed, I noticed the amount due jumped hundreds of dollars of the previous balance. 

The last time I used the card was on XX/XX/XXXX which placed me right at my XXXX credit limit. The account was closed end of XXXX ending with a {$730.00} balance for my XXXX billing cycle. I had a payment that was supposed to have processed for the amount of {$270.00}, which unfortunately declined. 

I was then charged a returned check fee, as well an additional {$270.00} in error that shows up on my XXXX statement XXXX as a purchase, and on a closed account. 


I contacted Citi several times about the issue, XXXX XXXX I spoke with someone over the phone that stated she and her manager would place a dispute on the account for the error and to allow 4-5 business days for the error to be removed from my account. 


Today is XX/XX/XXXX and I have been getting the worst customer service, the run around about the issue, transferred from department to department, Ive spent hours on hours for days at a time trying to get the issue resolved and no progress has been made. 

Each agent I speak with state how they arent able to assist me, then transfer me in circles, I have yet been able to speak with someone or provided with accurate information on how, and who to speak with directly about getting this issue resolved right away, all to be unsuccessful every time. 

I am being charged more interest than I should be on a much higher balance now, as well as its sitting and causing more damage to my credit report than I have already done for myself.
Product: Credit card

I paid my credit card bill on the due date of XXXX/XXXX/2015 in the amount of {$210.00}, which Wells Fargo took out of my XXXX Checking account immediately overnight. The next thing I find out is that they put a XXXX day hold on my XXXX charge card, saying they never received the {$210.00} because my account was overdrawn. I have overdraft protection at XXXX and I paid the {$32.00} overdraft fee when Wells Fargo got their {$210.00} payment. XXXX faxed over a letter to Wells Fargo stating that they did get their {$210.00} payment, but Wells Fargo is refusing to believe them. They are still trying to tell me the payment has not cleared, even though they took the {$210.00} already.
Product: Debt collection

I opened an account with this firm back in XXXX. I was recently notified that a XXXX was issued on XXXX 15 years after I opened the account and well over seven years after the statue of limitations of XXXX   XXXX
Product: Checking or savings account

Direct Express has closed my on line account and they still have my {$220.00}. I have been dealing with them for over 2 years trying to get my money sent to me.This is XXXX pour how a company takes care of a US veteran. I've been on hold for over 2 hours many times and just gave up. If they had an office I would come down and kick someones " XXXX ''. There putting me in a position to get myself in trouble and that should be a crime.This is a XXXX poor government agency linked to the IRS, but everyone just says call there number and deal with them. That would be great if you could get a hold of someone. Spending 2 plus hours on the phone and never getting someone is XXXX. I have complained to the XXXX, the veterans department, FTC and the IRS with no luck. Everyone gives you there number, I got there number. This is my advice to anyone using Direct Express, get a regular bank account so you can be able to contact a person when there is a problem cause Direct express will have you on hold and you will just never get your money.Direct Express has many similar complaints, I want to see this company go out of business, so the sorry workers will be out of work and see how they like not getting money. This is another government agency that is totally flawed. There is some " XXXX XXXX '' donuts eating XXXX waiting to collect a pension not serving people because they are lazy and think they have power. {$220.00} isn't anything, but its mine. I plan to claim a loss on my taxes for {$220.00} as a way to get my money back, that's how I deal with the government. I am a business man and I would be out of business if I ran it like the government runs there programs.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the COVID-19 pandemic, XXXX has allowed consumers one free credit report from each of the three major credit reporting agencies each week. Every time I go to the web site, I am able to get my reports from XXXX and XXXX. Equifax fails each time to produce my report -- I get the following message : " Online Delivery Unavailable. 
We are not able to deliver your free Equifax Annual Credit Report online. '' I am confident I answered all the verification questions properly -- the answers are obviously on my other credit reports. For example, on or about this date, which credit card did you open? 

The following are the dates I have tried to get my Equifax credit report online via XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

There are probably other dates as well, but I don't have them documented. The XX/XX/XXXX date is when I called into Equifax, the let the know of the problem I was experiencing, and to ask them to send me a copy of my report. If I recall correctly, the representative said I should have no problems accessing my report online going forward. I tend to believe this is an Equifax problem. From what I have seen online, I am not the only person experiencing this problem.
Product: Checking or savings account

On Tuesday, XX/XX/XXXX - XXXX illegally froze a members access to their checking and savings accounts after a electronic deposit was posted.