23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XXXX XXXX 2015 I called Equifax in regards to my dispute results I received. I spoke to a customer service representative in regards to the outcome of my dispute regarding errors in delinquencies on my student loan accounts. Equifax did nothing to fix the issue, only verifying the debt as belonging to me. I submitted documentation to support my dispute. I was told by the Equifax representative that she was unable to read the documentation I submitted supporting my dispute when I was on the phone. I was given no correspondence that the documentation was unacceptable or they had an issues previous to our phone call. The documentation I provided supported that errors existed on my report. Equifax has an obligation to fix these errors, no just verify my debt. I know it belongs to me but there are errors I need fixed.
Product: Money transfer, virtual currency, or money service

I sent money to a person via XXXX and it was sent to the wrong person. I informed XXXX that it was sent to the wrong person and they told me there was nothing they could do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX  XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : EMPLOYER : SELF EMPLOYED- RECORDING 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$48.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$6000.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$8300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$430.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address
Product: Credit card or prepaid card

The company XXXX XXXX charged my Chase credit card for {$7000.00} and I do not have the products charged for. I have requested a refund and the company is refusing to reverse the charges on my credit card. The company is making false claims about turning over the deliverables. Even with these false claims, the company also has a satisfaction 100 % money back guarantee and is also refusing to comply with this policy and return the amounts charged to my card.
Product: Student loan

XX/XX/XXXX Contacted Mohela, asked to be placed on XXXX as soon as plan was unveiled, submitted income certification. I had previously been on XXXX  for my XXXX loans, and graduated from XXXX  school during COVID pause so my XXXX  loans were on LEVEL, thus they changed ALL of my loans to XXXX  XXXX Payment on website updated from XXXX  to XXXX, {$250.00}. 

~ XXXX Payment on website changed back to XXXX, {$1300.00} ... this should not have happened and I have no idea why it did. 

XX/XX/XXXX Contacted Mohela, told them I can not make that payment, place me on XXXX. They said they could see the error on their end and they would expedite getting it fixed. I said if it does not get expedited on time place me on ADMINISTRATIVE FORBEARANCE. This was communicated THREE TIMES over the course of the phone call. They obliged and said they would accommodate my requests. 

XX/XX/XXXX I didn't see any changes during this time on my account so I contacted Mohela, they told me administrative forbearance was never placed. I told them I had asked 3 times to be put on it on XX/XX/XXXX. They initiated forbearance but told me it was too late for it to be applied to my payment due XX/XX/XXXX. 

XX/XX/XXXX {$1300.00} taken from my account
Product: Debt collection

I received on XX/XX/XXXX from Linebarger Goggan Blair & Simpson, LLP, a debt collection law firm. 

The notice claims that I owe a debt related to a parking violation that occurred on XX/XX/XXXX in XXXX, TN. I do not own the vehicle in question, and never registered a vehicle with the license plate in question. 

I informed the debt collector that I had co-signed for a similar vehicle nearly a decade prior to the parking ticket, but that I no longer owned or had any interest in the vehicle, and I was unsure if that was even the vehicle in question but that I never owned or operated any other vehicle with that description. 

The collections representative that I spoke with was exceptionally rude and insisted that since I had once co-signed for a vehicle a decade earlier, that was since paid off and no longer in my name, that I was now responsible for the parking ticket debt. I called back the next and was told the same thing.
Product: Credit card or prepaid card

I have been an AMEX card holder for a long time. I was emailed an offer to upgrade to the XXXX XXXX credit card for {$450.00}. As part of the terms, it said I would get XXXX points with a {$4000.00} spend in the first 3 months. I spent that and didn't get the points so I called in and was told it would be on my next statement. My next statement came and went and I called again. This time I was told I was never eligible and the person who told me I was getting the points was wrong. 

I would have never upgraded if I had not been victim to this " bait and switch '' This is an illegal practice and I want my {$450.00} refunded immediately and my card closed. 

I sent them a mediation request 2 months ago and have not heard one work back. AMEX has to have THE worst customer service in the world and just lost a long time customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, contacted Equifax via fax on Monday, XX/XX/XXXX to correct the problem of being unable to locate a credit file. In return, I received a letter in the mail stating that they are unable to locate a credit file for the following reasons : not having a current file, having not applied credit recently and have not actively used credit in the past ten years. Both other credit bureaus have been able to accurately supply a credit score, however Equifax is not.
Product: Credit reporting or other personal consumer reports

Paraphrased Version : I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I believe the culprit is my ex-girlfriend and mother of my children. Our relationship was very toxic so I moved out of our home and moved in with my parents while I stabilize because I can not afford two leases and since my move it seems like she has started using my credit without my permission. I don't want her to go to jail but clearly she doesn't understand how damaging this has been to my credit. The reason I believe it is hers is because a furniture company claims that I have opened an account with them at our property but then again there is another name that was used XXXX XXXX so I am not 100 % sure none the less she does not admit to using my information but I can not explain how I have 3 repossessions on cars I did not finance and who could possibly be on the receiving end of a personal loan and furniture without my presence. I spoke with an officer XXXX in the Sheriff 's office and he advised me their department is very busy with evictions and subpoena 's and quite frankly I don't have enough information for them to make an arrest. I have notified the bureau 's but they did not respond or remove the fraudulent accounts from my credit report. Attached is a copy of my identity theft affidavit and the letters I have sent to the bureau 's.
Product: Debt collection

I am having a debt appear for a XXXX insurance bill that has went unpaid, however, I have never had XXXX I have ever only used XXXX XXXX for my insurance.
Product: Credit card

I have XXXX credit card accounts. Approx. 8 months ago is first attempted to set up automatic payments for the 28 day of each month and was repeatedly advised the automatic payments had been scheduled for all future months. After many instances on non-payment, I went to the local branch on XXXX/XXXX/2016 and faxed the appropriate form, as instructed when I called to complain, once again. I waited to make sure the fax was sent from the branch to the appropriate department and was, once again, assured I had no need to worry about my future account billings. Yesterday, once gain, Chase did not pay the XXXX cards from my checking account automatically. When I received nonpayment notification, this morning, I called and immediately made the payments for all XXXX of my accounts. Once again, they charged me {$37.00} late payment fees on XXXX of the accounts. I 'm entitled a refund of the erroneously charged late fees. And, Chase should be penalized by CFPB, for their inappropriate billing policies!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I took a loan from OneMain Financial three years ago. The payments were not going down. I was paying on time they kept saying my bank was returning the payments I had to switch banks its just been a nightmare for the last three years eventually I just let them take my car that I put down as collateral because I couldnt take it anymore. They harassed me so much I had to have them blocked from communication except via mail. They kept editing my online account so anytime I try to make a payment through the account. It would tell me I would have to call. I did reach out to the New York State Department of financial services and consumer complaints about this a year ago and I just read an article that they are being sued and I completely understand why
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I seen things that are reported that are not suppose to be there. I don't know where these accounts came from, I reported to police station that my identity has been compromised and filed a report. I sent off letters to the bureau on XX/XX/XXXX and these accounts still have not been removed. The following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no connection with the mentioned creditors, and these inquiries are not mine.
Product: Checking or savings account

I am filing a complaint today with WellsFargo because weve had up to {$33000.00} in fraud committed on our accounts. WellsFargo has refused and denied our claims even though they hold a zero tolerance zero liability policy against any fraudulent charges. We gave them all the transaction IDs, ATM IDs, and any other information possible where these charges and this fraud was committed. We filled out complaint after complaint any anything else we could provide to assist us in this matter. We followed every step that WellsFargo told us we needed to do, yet WellsFargo still denies our claim. This has caused the last 10 years of work that my family and I have put forth to build our business to completely collapse. This is obvious fraud to anybody, even the newest investigator could see that this is fraud. A man stood at the same ATM machine over and over and over again withdrawing the maximum amount and WellsFargo never once flagged them. WellsFargo flags my family and I every time we go to the same grocery store every month to buy food for our family, and we have to stop what were doing, call them tell them that its not fraud so that we can continue our purchases. Yet somehow a stranger stands at the ATM machine over 40 times and they dont flag him one time. Weve provided the name of the suspect to them, weve pressed charges and have provided a case number, weve given WellsFargo the transaction ID numbers, we gave them the ATM identification numbers, and any other information that we felt would help them come to a conclusion that this was fraud. They are refusing to help us and we dont know what else to do. We just want to be protected by the bank that we trust with our finances so we can be assured that our family can eat.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S. C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Equifax and XXXX dropped my credit score by XXXX points when I am consistently paying my debt down. I dont feel they have a right to do that because thats destroying me. XXXX to XXXX thats not right!!!! Restore my credit score to what it is or higher. I paid {$1800.00} dollars in the last 30 days to reduce my overall amount of used credit. This is not fair, stop destroying my credit. My mortgage company changed from XXXX to XXXX and is reporting my loan as a new modification, this is incorrect.
Product: Checking or savings account

An unauthorized wire for {$6100.00} was done on our checking account on XX/XX/year>. I was at Chase bank within XXXX minutes of receiving a scam phone call that came up as Chase Bank. I did not provide any personal information. 
When I got to local Chase bank, I was given the run around and was told they would file with their fraud department. After pushing things through escalations department, I received word that it was determined I initiated the wire and no funds would be returned. I also filed a police report. I do not understand why Chase would allow a wire to go through for the exact amount in my checking account. The bank manager called the number I had been called from and said it was a Chase number. The scammer attempted to also get {$15000.00} wire from savings account but Chase stopped that one since I was sitting at the bank when it happened
Product: Credit reporting or other personal consumer reports

I dont understand why and how you have my wrong address still I wrote you about this back in XX/XX/XXXX its now XX/XX/XXXX and its still not fixed. Bceause of your inaccurate error I can't put a new roof on my home. Correct or I will be forced to seek more legal councouil
Product: Student loan

Hello my name is XXXX XXXX, I have XXXX private student loans that sum the total of {$61000.00}, I usually pay {$390.00} monthly and its a lot of money for me since I 'm the only one who brings money to my house. Yesterday I was scheduling a payment and I noticed that they increased my monthly payment to {$400.00}, I called them and they say that they increase the interest rate just because. It 's this even legal??? Please help me out, I 'm not trying to forget my loan I really want to honor this debt, but I do not know what else to do. This is my information below.
Product: Credit card or prepaid card

My mom added me as an authorized user on her credit card she opened without my authorization or knowing and her credit card balance shows up on my credit report. I had her call and take me off and was told it should drop off of my credit report in a few days but Im nervous and annoyed with the fact she so easily could add me onto her credit card without my social sec. or permission.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I made timely monthly payment in XXXX and XX/XX/XXXX as I have from the start, XX/XX/XXXX, yet this company find the need to send me DEFAULT Letter today after I filed complaint last week and as they hold in ( unapplied ) approx XXXX in payment I sent to them.
Product: Mortgage

I applied for a loan modification in XXXX of this year and provided all the all my proper income and back-up documentation necessary to the lender, including any clarification documents they requested throughout the process. I was just informed that my request was denied. Based on what they told me I don't believe they considered the correct federal guidelines in their decision.
Product: Vehicle loan or lease

Hello Complain department Today I, am writing this complain in extremely frustrated condition, I paid my buy out quote on XX/XX/2021 to KIA Motors Finance, and since than waiting for my title, but every time I call to them, their customer tell me another story, I send hem payment on XX/XX/2021 XXXX email Odometer Statement XX/XX/2021 on email which they provided me XXXX And XXXX They were not checking their email and was keep asking me statement again and again, I sent statement many times from other email address too. 
Management, please help in this situation to get y tittle, they are making me to run here and there.

KIA Account Number XXXX Your cooperation would highly appreciate
Product: Prepaid card

They want a written letter with new evidence, after a dozen letters and every possible document I faxed over I assure that no new evidence is possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home, which required my credit to be pulled. This complaint is due to a collection from XXXX XXXX XXXX who has a collection filed against me with XXXX, TransUnion and XXXX, which dropped my score significantly. I received no phone calls or contact via US Mail to confirm this collection is mine or valid. Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notification regarding the debt. Had I been reached out to, it would have been advised this collection is a result of Identity Theft which a formal complaint has been filed with the FTC, acknowledged by authorities and submitted to the credit bureaus. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps showing child support and it's been more than 10 years