23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX  I was robbed. The thief using my banking information to set up a prepaid PayPal debit card connected to my bank account, which they used to make transactions. I contacted PayPal at that time to report the fraud and request that the card be frozen.

There is a {$25.00} balance outstanding from this time which PayPal has sent to a collections agency XXXX. When I reach out to them to advise this is fraud, they just tell me that the issue is under dispute with my financial institution and I need to follow up with them. Meanwhile the debt is with a collections agency. 

I should not need to pay this debt and I should not risk damage to my credit score from collections. 

The dispute case ID is XXXX
Product: Debt collection

Ascendium ED Solutions is reporting false information on my credit and has caused my credit to decrease over 200 points in the last cpl months bc of this false information. 
My original loans went into default in XXXX, they are reporting them as of XXXX. They are knowingly reporting fraudulent information on my credit and should face consequences for knowingly doing illegal reporting. My loans have been in default for over 8 yrs and they should be takes off as old, outdated debt. 

Ascendium ED Solutions is knowingly reporting fake information to damage my credit on purpose. They should be held accountable and face consequences for knowingly reporting false information and the huge opportunity costs that they have put me through on account of illegally damaging my credit.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Pull and Lack of Resolution I recently visited the Mattress Firm booth at the XXXX XXXX of Texas, where an employee showed me a mattress and mentioned I could reserve it while I took time to decide whether to purchase it. At no point during this process was I informed that this reservation would result in an actual sale or that my credit would be pulled. I only became aware of the credit pull when I received a notification from my credit monitoring service. 

When I inquired with the employee about the credit pull, he dismissed it by saying the credit card was " useless '' and advised me to throw it away, completely overlooking the fact that my credit had been accessed without my consent. I later received an actual credit card, which the employee confirmed was of no value. 

I reached out to Mattress Firm 's customer service and received an apology but no further assistance. Following the advice of my attorney, I requested that they resolve the unauthorized credit pull and take corrective action regarding this unethical practice. However, I have yet to receive any updates. Instead, they simply redirected me to the banks helpline, expecting me to address the issue on my own. 

I am disappointed with the lack of support and resolution and would appreciate immediate attention to this matter.
Product: Money transfer, virtual currency, or money service

Phishing attack gained access to my computer and my PayPal account, claiming to be submitting a refund for a subscription I did not want. Spent {$180.00} on digital gift cards that were not returned to me. When I tried to report these transactions PayPal claimed they were not unauthorized and couldnt refund me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and Transunion and XXXX XXXX XXXX with no successful resolution. XXXX and Transunion are reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One continues to reopen an old account that had a balance on it, it has been taken over time and time again by every debt collector there is but none would correct errors and a majority of the records do not even exist anymore making it impossible to recreate and/or prove or disprove anything on the account, but because it is over the reporting time on the credit report Capital One will reopen it with a balance to make it look like it is still active, many times for a month, then report that a payment was due and it has an active balance, I have asked on many occasions to have it removed and then it will show active again, both Capital One and XXXX  are guilty of not removing this according to the law.
Product: Credit reporting or other personal consumer reports

vI have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

In re : XXXX XXXX EQ reports showing adverse activity with XXXX XXXX, a private student loan lender. 

XXXX accounts : XXXX. Last Full Payment : XX/XX/XXXX for {$190.00} XXXX. Last Full Payment : XX/XX/XXXX for {$130.00} These accounts should be due to fall off in XXXX XXXX. Yet, XXXX XXXX has augmented the payment history to re-age the accounts.
Product: Money transfer, virtual currency, or money service

I attempted to cash a payroll check, having lost my id I went with a person I did not know too well ; but thought that in a Chase the transaction could be fully complete. I went with the gentleman to the Chase, and they said they could not cash it, then they could cash it. I asked them to verify the check to release all the funds, as my boss was present and could verify my physical details and ok the release of the funds if it was an issue. Chase tellers refused to verify the check, assuring me that there was no question as to the checks veracity. But they refused to fully cash the check, even knowing it was third party. The gentleman, whose bank account was at Chase became belligerent shouting about how Chase never does this, no policy exists to hold the check for the day. He requested to see said policy, and they provided no documentation. During this commotion, and the man is bellowing inside the Chase bank, the security guard comes over and asks me to leave. I refuse, declaring to be a third party to the check being cashed, and that I needed all of my money before I left. Finally, they release XXXX and said come back later. I objectively should not have left without all of my money, but it was unacceptable that the bank should try to sequester information about a transaction from a signing authority, especially one who is present. Chase improperly asserted it could remove me, despite the fact that it was doing business with me through it's customer, in a transaction which occured in its bank. 

The banks action objectively XXXX- the transaction is complete, risk free, if Chase calls to verify, and release all the funds of the check. If I have to retrieve the Chase customer, and bring him back to the bank, and then the bank has to serve people twice on a transaction, more work, attention from employees is labor cost. One transaction makes sense, unless your intent is to increase the risk of a criminal action the bank may be liable for. 

On a third party transaction- an asset transfer- completing the deal ASAP avoids potential for fraud and continuation of what should be a simple transaction : cashing a payroll check for a customer, who agreed to do so to help me out for a small {$10.00} dollar fee, orally contracted to. The gentleman asked for a fee, I suggested XXXX and he said XXXX to which I agreed. If I walk out with all of my money, or we transact on the spot this is all over. 

Now the bank is the locus for criminal fraud, as I did not agree to a several hundred dollar check cashing fee. 

The bank failed to do due diligence on a transaction occurring as result of the bank 's relationship with the gentleman. 

The check was signed at Chase, and the records, including the gentlemans information are records necessary to resolution of this matter which tangibly relates to criminal fraud. Today, XXXX I left notice hold all records regarding this transaction including transaction, video, emails, or security logs as possible civil and criminal actions pending Chase XXXX and XXXX XXXX Washington DC on or about XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the CARES act : If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020 and 120 days after XX/XX/2020 or 120 days after the COVID-19 national emergency ends. My account ( XXXX ) was current XX/XX/2020 and went delinquent XXXX while I was in the modification process. To my understanding compliance with the CARES act would required XXXX to remove the late payments from my credit report for XXXX, XXXX, XXXX, XXXX, XXXX and XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized and unverified inquiries on my credit report.
Product: Credit card

This is now my third complaint through the CFPB about the Chase British Airways credit card XXXX rewards program. The first XXXX complaints were due to Chase neglecting to give the promised XXXX points to my British Airways account from XX/XX/XXXX to XX/XX/XXXX. After the second complaint through CFPB, Chase uploaded these XXXX  points on Transaction and Posted dates XX/XX/XXXX ( per attached document " XXXX XXXX '' ). Since then, Chase has not uploaded the XXXX points that have been accumulating after the resolution of the second complaint ( i.e. XXXX points accumulated after XX/XX/XXXX ). I am now missing XXXX points from the XXXX, XXXX, and XX/XX/XXXX credit card statements ( see attached documents " XX/XX/XXXX statement, '' " XX/XX/XXXX statement, '' and " XX/XX/XXXX statement '' ). I called Chase about this current issue on XX/XX/XXXX, and the representative informed me that she was escalating the problem and that I should see the points within 14 business days. However, it has been longer than 14 business days, and I am becoming extremely frustrated with Chase 's dishonesty and unprofessionalism. I do not wish to have to call Chase every month and then wait 14 business days every time for them to claim they are escalating the issue only to not see those points in my British Airways account. It seems as though Chase is only motivated to fix the issue whenever I file a CFPB complaint, which is completely unfair to myself and CFPB. As a side note, I have also attached the previous monthly statements from XX/XX/XXXX to XX/XX/XXXX to corroborate that the XXXX  miles posted on XX/XX/XXXX are from my previous CFPB complaint about the missing miles between XX/XX/XXXX and XX/XX/XXXX. I have also attached my XX/XX/XXXX credit card statement to show that no XXXX points accumulated after XX/XX/XXXX have been added to my account.
Product: Checking or savings account

On XX/XX/year> at XXXX XXXX, I called the Wells Fargo customer service number XXXX to file a legitimate claim on my checking account for {$13.00}. I had ordered at a restaurant online, the business was permanently shut down when I arrived, so I called Wells Fargo to request this {$13.00} back. They gave me a credit and I thought the issue was solved. At XXXX XXXX, the same exact Wells Fargo customer service number XXXX is calling me back. I answer, and they identify themselves as from the Wells Fargo Claims department. They notify me over the phone that someone has accessed my online banking account, and has transferred {$340.00} from my savings to my checking account, and made two cash advances from my two credit cards, one for {$1200.00}, and one for {$1500.00} to my checking account. While he is telling me this over the phone, I log into the Wells Fargo app and I see these cash advances that someone had made in my account. The representative on the phone was in my online banking, and he said that my debit card was compromised, so he issued me a new debit card that ended in XXXX. My previous debit card ended in XXXX. I am not sure how he could have given me a new debit card number over the phone if this was not a Wells Fargo representative. He instructed me to add the new Wells Fargo debit card to my XXXX XXXX so I could have access to my funds while I waited for the new card in the mail. From there, since they were in my online banking making the cash advances already, they were able to access the new Wells Fargo debit card he gave me over the phone, and transfer {$3100.00} from my checking, to a XXXX XXXX. Before I was called back by this Wells Fargo Number, someone was already in my account making cash advances, I am not sure how the money was transferred from the new debit card they issued me over the phone, to the XXXX. And I find this whole situation incredibly suspicious, considering I originally called Wells Fargo to make a legitimate {$13.00} claim, and miraculously someone is in my online banking account two hours later. 

Wells Fargo has said that I won the claim against my credit cards, but they will not reverse the charges since the money was transferred from my checking account, out to this scammers account.
Product: Credit reporting or other personal consumer reports

I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPAINT WITHOUT FULLY INVESTIGATING. I NEED PROOF AND DETAIL INFOMATION OF INVESTIGATION. 15 USC 1681 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

on XX/XX/2018 XXXX XXXX  remove account XXXX for my Credit report .in less then a month later Cavalary Portfolio Serv , place back the same Account IDisputed with XXXX for Fraud, back on my Credit report. In which was remove by XXXX XXXX after I disputed FRAUD on my account, I also told Cavalary Portfolio Serv which failed to take the necessary action against this account .they have failed to investigate and check my Credit report that there is a Fraud alert on my reort for my Protaction as a customer. this account was open by fraud. I dont know why this company in less than a month place this back on my credit report.
Product: Debt collection

Reached out to XXXX and XXXX  XXXX XXXX regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a charged off/collection account without a balance due. Please provide proof of the charge off/collection or delete the negative payment status on this account. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) concerning the verification of bankruptcies in the public records section of my credit report. Despite my requests, TransUnion has failed to provide adequate information regarding their method of verification, as required by the FCRA.

Additionally, I have obtained a letter directly from the US Bankruptcy Court confirming that they do not report information to credit reporting agencies and do not verify such information. This directly contradicts TransUnion 's claim of verification and raises serious concerns about the accuracy and legality of the information they are reporting.

The FCRA, specifically under Section 611 ( a ) ( 7 ), mandates that credit reporting agencies ( CRAs ) must disclose the method of verification used for any disputed items on a consumer 's credit report. Failure to provide this information is grounds for the immediate removal of disputed items.

I have made repeated attempts to resolve this matter with TransUnion, requesting detailed information on their verification process. However, they have consistently refused to disclose this critical information, which is essential for me to verify the accuracy of the reported bankruptcies.

Attached to this complaint, you will find a copy of the letter from the US Bankruptcy Court confirming their non-reporting and non-verification policy.

I respectfully request that the Consumer Financial Protection Bureau investigate this complaint thoroughly and take appropriate enforcement action against TransUnion for their non-compliance with FCRA regulations. Specifically, I request the prompt removal of the inaccurate bankruptcy information from my credit report and assurances that TransUnion will adhere to FCRA standards in the future. 

Thank you for your attention to this matter. Please do not hesitate to contact me at the above phone number or email address if you require any additional information or documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After calling into the EQUIFAX service center NUMEROUS times and being disconnected in regards to this subject, NUMEROUS times, I requested that they please remove any and all Fraud Alerts in regards to my credit file per their instructions. 

My contact number has long been outdated and they do not provide any way for me to update it and I can not even talk to my own creditors because of this Alert. 
I asked in writing that they please, remove it as quickly as possible so I may regain positive control with a few of my creditors and get a merchant services account setup for my business. 

I have never been subjected to so much misdirection, erroneous information and lack of customer service in regards to my credit file, from any of the bureaus, as I have with Equifax, making it so difficult to A ) get a hold of someone there and B ) Get anything done in a timely manner. 

Unbelievable they are still allow to access and manipulate. people 's credit file. 
Also, on the business side they have completely misreported my businesses ' credit file by the LACK of reporting my dealings with Vendor but thats a issue for another time. I need them to release my credit fraud alert asap!
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 accounts 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 XXXX XXXX XXXX/2023 XXXX XXXX  XXXX/2023
Product: Mortgage

1. Santander incorrectly charged us for *another customer 's tax bill*.

2. Santander subjected us to multiple tax bills and escrow payments thousands of dollars in excess of our actual amounts ( a total of over {$16000.00} instead of our actual bill of {$2400.00} ), subjecting us to significant financial stress.

3. Santander neglected their one actual obligation - paying our actual property tax bill owed to the city.

4. Santander has allowed our city property tax bill to become delinquent - over a month and a half in arrears - generating interest and leading to multiple communications and warnings from the city. All this despite holding thousands of dollars of our money ( interest-free ) in excess payments. This is affecting our financial standing and has become a source of serious emotional distress.

5. Santander charged us significant late payment fees on our mortgage payments - despite the fact that the delays were due to us trying to figure out why our tax & escrow bills were so obviously wrong.

6. Santander has not met a single one of your stated deadlines for ( a ) getting back to us and ( b ) resolving this situation. They have ignored our emails and calls and are making no effort to resolve our problem despite their own stated acceptance of fault.
Product: Student loan

I sent in a payment to pay off the last of my student loans and instead of paying it off they applied {$570.00} to " fees '', which there were no fees owed when we requested the balance
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions since 2018, I have been disputing information on my credit report regarding three Comenity Bank store cards ; each time I have disputed, I have had all information come back as " verified '' despite the fact Comenity Bank refuses to show me verifiable proof that the debt amount is correct, that the debt indeed belongs to me, and the debt is indeed collectible. I have even tried to contact Alliance Data, which is listed in the " Disputed Debts '' section of Comenity Bank 's credit card agreement, to no avail. 

At this point, I want a thorough investigation into these accounts and want ALL facets of each account to be verified. As Comenity Bank is listed on my credit report with three charged off debts, the burden of proof rests on the laurels of accurate information purveyed by the company. 

The three accounts in question are : Comenity Bank/XXXX XXXX -  XXXX, Comenity Bank/XXXX - XXXX and Comenity Bank/XXXX  - XXXX ( these are how they appear on my reports ). 

If these accounts were sold, I would like to know for how much and to whom.
Product: Credit reporting or other personal consumer reports

O sent a dispute and a ftc and police report that and an account was fraudulent and with 10 days the credit bureau responded back validated.. Thad account is XXXXXXXX XXXX
Product: Student loan

Aidvantage has not provided me with the information for the transfer I requested a year ago. I asked them to send me a list of all payments I made, along with my balance information. They never sent it. I have kept track of what I owed, along with all my payments over the years. My original balance when transfered to them from fedloan was XXXX. I made XXXX worth of payments, which reflect in my accounts. However, they stated there was a payment reversal on those, there were not. Then they added XXXX dollars to my balance as an adjustment for no reason. I do not owe this money. I had paid that much before my balance was transferred to them. I need my balance corrected and would like to be switched to another servicer as this one is fraudulent. I have had nothing but issues since they took over.