23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for and was approved for an XXXX XXXX card with a promotional XXXX interest on balance, transfers and cash advances. I transferred money directly from the card to my bank account with USAA the following day I was unsure if this would qualify as a cash advance I called the bank spoke with an agent. The agent told me that that was the same thing and I did not worry 45 days later, I was charged interest on a cash advance when I called the bank back they told me that that was a cash advance and convenience check so I immediately paid back the balance waited for the convenience checks and use them however when I requested a refund on the interest for the cash advance, they refused to refund it saying that I completed the transaction before requesting the information. I insisted that I was given the correct information when I asked, I wouldve immediately refunded that money and there wouldve been no interest despite many attempts to solve this problem. The bank refuses to refund interest or any wrongdoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes with Equifax. They have sent multiple letters stating that they can not verify my identity. I have sent in the requested information to verify, and they have continued to mail me the same repetitive letter. I am attaching the letter they're sending me and I will also attach verification documents.
Product: Debt collection

Columbia Debt Recovery/GENESIS is illegally sending my debt information through public firms such as the mail with company info exposed to an address I don't live at, my email with no consideration of whom can get into it on a public server plus The SSN # belongs to the SSA and anything purchased with that identifier number is a obligation of the United States 18 U.S.C . 8. Means that anyone attempting to collect a debt from you is guilty of The False Claims Act ( FCA ), 31 U.S.C. 3729 this/your company is in violation of HUGE crimes attached is my letter to file suit though columbia keeps closing my complaints You as the credit reporter need to report ONLY FACTUAL & lawful transactions of accounts.
Product: Consumer Loan

Our credit union refinances other lenders ' auto loans to save our members money. Even though we have a signed authorization, Ford Motor Credit will return our checks if there is any request to mail the title to the credit union. They are using this tactic to delay payoff and accrue additional finance charges ( and possibly late charges ) for the borrower. FMC claims it is a liability issue, but most credit unions recognize this for exactly what it is.
Product: Debt collection

After reviewing personal credit reports I noticed a collection account has been recently added and is very damaging. I have never received anything in writing from Midwest Recovery Systems, LLC about a debt of {$3100.00}. I do not have any new outstanding debts. I have recently sent a letter inquiring and awaiting a response from Midwest. 
I would very much like to make a complaint against this company for their false claims.
Product: Debt collection

I recently applied for a mortgage loan and was denied due to a recent collection on my account. I pulled my credit report to find a new collection was added from a company called Jefferson Capital System. This debt is showing as opened XX/XX/XXXX for the amount of {$13000.00}. The original creditor is listed as " XXXX XXXX XXXX '' the loan from XXXX XXXX XXXX was from XXXX and has had no activity on the account for atleast 8 yrs. This debt was illegally reaged and is harming my credit. It has aided in the denial of our home approval. This issue has caused unnecessary stress in this difficult time we are already in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying dispute negative items on my report since XXXX I am a college student and just been doing my own research and trying repair my own credit to start a business I have contacted all three bureaus and no one will reach back out to me and if they do I was given the run around I have stated laws I have learn which they are in clear violation of nothing this is very frustrating because this has been affecting my life and how I do things please look into this matter and remove immediately
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts, the issues at hand remain unresolved. Your firm 's response to my letter sent to the credit bureaus suggests that my request for verification of inaccuracies on my report is considered " frivolous '' or " irrelevant. '' It is important to clarify that I do not regard a matter of such significance to me as frivolous or irrelevant. Should my original request to verify the items outlined in my previous certified mail be ignored, I am prepared to escalate the matter by filing a complaint with the Federal Trade Commission against your company. Therefore, a comprehensive reevaluation of the following information is necessary. I respectfully demand validation of the alleged item, specifically the contract, note, or any other document bearing my signature. If such evidence is not provided, I insist on the swift removal of these items from the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the earlier written requests, the unverified accounts listed below still continue to report on my credit report, These accounts must be validated in order to improve or stabilize my Credit Score Here are the accounts that need fixing : XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX Balance : {$4100.00} XXXX XXXXXXXX Balance XXXX {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency provide the method of verification for items disputed in my recent complaint. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report. Please provide the following within 4 days of receipt of this letter : The source ( s ) of information used to verify the disputed items.

Documentation or evidence supporting the verification.

A detailed explanation of your verification process.If you are unable to provide this, I request that the items in question be immediately deleted from my credit report, as required under FCRA 611 for unverifiable information. Non-compliance will result in legal action for willful and negligent violations of the FCRA. I have attached a copy of the items claimed to be verified, along with my previous FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint. The deletion of the XXXX did not include XXXX Credit Bureau in the letter of response. Repeating info : I filed for bankruptcy with my husband on XX/XX/XXXX. My attorney that handled our case name is XXXX XXXX here in XXXX, GA. My problem is with XXXX and XXXX XXXX They have reported negative information on my credit report since the day we filed and would not change it. They have reported the private student loan as charged-off instead of in-deferment. Our bankruptcy was discharged in XX/XX/XXXX. The private student loans were discharged in our bankruptcy. They were notified again but would not make the change or remove it from my credit file. I made several attempts to contact them. I've been trying to get this permanently removed from my credit report since XX/XX/XXXX. They finally removed it. They put the private student loan back on my credit file in XX/XX/XXXX and made my credit score drop from XXXX to XXXX. The status is showing paid/charged-off. They still will not remove it. I have written to them and called, they will not respond. I sent them the bankruptcy discharge and the credit bureaus. XXXX XXXX has sent in requests to have the information removed numerous times and they still will not respond. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian yesterday to discuss this issue - as to why my FICO Score dropped so dramatically. XXXX stated that he would annotate my account with my concerns. I noted to him that I have nothing derogatory or late payments. I further noted that it is probably due to few accounts. However, I find that to be problematic. I am submitting this to you on my behalf. I also believe that this should be shared among the 4 Credit Reporting Agencies. Experian, XXXX, XXXX  and XXXX. I have attached the score report and my dispute that I have drafted.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5./ step validation procedure which makes this unfair practice. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.
Product: Mortgage

I recently closed on an fha loan for a home I just bought on XXXX2020. The house had termites and bedbugs and very many other issues that were not taken care of which was a breech of contract and should of never have passed fha guidelines, or been approved for the loan. I would like this looked into and resolved. The invoices I received after the closing from the seller was missing and never was address in the agreement from the inspection. I was taken advantage of by my realtor, lender, and the other realtor also XXXX XXXX XXXX because they obviously didn't go over the paperwork that clearly states termites were visible in the inspection and never addressed or disclosed to me.also during signing I felt rushed and was just told to sign and next page, not givin a proper explanation of anything I was signing or informed of new discoveries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report my child support payments. These payments are not a loan or revolving credit. I have never been late on these payments and i want them removed from my credit report. I've asked Equifax to remove the payments from my credit report but all they do is tell me that the information is correct and they continue to report it.
Product: Debt collection

XXXX XXXX XXXX continues to attempt to collect an alleged from me not owed. There are sever inconsistencies with this alleged transaction and XXXX XXXX XXXX has failed to prove what I stated from being true. First XXXX XXXX XXXX was transferred this loan from XXXX who was transferred the loan from XXXX Mortgage XXXX. Neither XXXX nor XXXX XXXX XXXX have the ORIGINAL promissory note. By banking law the term servicer means to hold the loan. 

See 12 U.S. Code 2605 By XXXX XXXX XXXX very words it states What type of mortgage company is XXXX XXXX? 
XXXX XXXX is primarily a mortgage servicer Furthermore the note is being securitized and currently worth over a XXXX dollars to their investors according to the report I pulled when I traced the account on the stock market. XXXX XXXX XXXX is listed on the XXXX XXXX XXXX XXXX as COOP. 

Since this note acts as the security which is being used as collateral for the loan I am entitled to the equitable interest from these profits or this would be securities fraud as the note is mine and the federal reserve act specifically states banks are barred from using anything other than notes, drafts, bills and other negotiable instruments for collateral. 

XXXX XXXX XXXX is also responsible for paying taxes and paying me the principal and interest per the IRS publication which further proves tax evasion as this account has not been reported accurately. 

None of the companies have produced any evidence to contradict this statement but used harassing methods and threats to seize my private property.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX granted me an extension/deferment on 2 payments due to my being involved and affected by the XXXX XXXX. Because of this there was some confusion about when I was to start paying again. I thought in good faith I was paying on the correct date but missed the window by a few days causing TWO separate 30 day late payments. They are reporting I was late when in fact they received two payments, one each month. I have written to them asking them to correct this misinformation on my credit reports yet they keep responding with a form letter asking me for " more information '' It is clear they are not actually looking into this at all and just fluffing off this problem. How can they extend terms then report lates? This is in violation of FCRA.
Product: Debt collection

I noticed a negative charge off on my credit report in colllections to Exeter Finance LLC. This Debt is not mine and I called credit bureaus as well as filed with FTC and also wrote numerous letters to all above. This information is incorrect. Fraudulent claim.
Product: Checking or savings account

Dear Wells Fargo, I am filing a complaint regarding a misleading promotional offer for a new checking account bonus. 

I received a promotional email from Wells Fargo that included a bonus code for a {$320.00} welcome bonus upon opening a new Everyday Checking account. The terms and conditions in the fine print under the " To be eligible '' section stated that the offer was not available to : 1.Customers who received a bonus for opening a Wells Fargo consumer checking account within the past 12 months, 2. Wells Fargo employees, or 3XXXX XXXX XXXX XXXX XXXX XXXX signing any version of IRS Form W-8 . 

As a XXXX XXXX ( a XXXX XXXX for tax purposes ), I do not fall under the ineligible categories outlined in the offer. 

Initially, I attempted to open the account online, but I was informed that since I am not a permanent resident, I would need to complete the process at a branch. Following this, I went to a Wells Fargo branch, where the banker told me that she was unable to enter the bonus code if I declared that I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This contradicts the terms of the promotion, as the advertisement did not specify that XXXXXXXX XXXX XXXX XXXX XXXX was a requirement for eligibility. 

I believe this practice is misleading and unfair, as it denies eligible customers access to a promotional offer based on undisclosed criteria. I request that Wells Fargo honor the terms of its promotion as advertised and ensure that its eligibility requirements are clearly and accurately communicated. 

Thank you for your time and assistance in reviewing this matter. 

Sincerely, A Wells Fargo Customer
Product: Credit reporting or other personal consumer reports

I recently checked my credit report, noticed that I had on authorized inquiry on my credit port pre-remove they hurting my credit
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told/informed XXXX, Transunion, and XXXX to reinvestigate and or remove these accounts : XXXX, TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681, 15 U.S.C 1601.
Product: Credit reporting or other personal consumer reports

In the preceding two months, I've made repeated requests to TransUnion for an investigation into a particular account, and regrettably, they have failed to fulfill their responsibilities. Despite my efforts in highlighting numerous inaccuracies, their response remains a mere assertion of meeting FDCPA requirements. Consequently, I am now involving the Consumer Financial Protection Bureau ( CFPB ) to compel TransUnion to meet its obligation by conducting a thorough examination of this matter. Supporting documentation is attached to this complaint to support my claim!
Product: Student loan

I became XXXX due to a grade XXXX XXXX XXXX in XX/XX/2022. I have tried to get this loan discharged through the " Total XXXX Discharge '' process, which has been a nightmare. For comparison, i have done the same process through XXXX which has been approved and was painless. XXXX XXXX XXXX and Citizen have refused to help me get this processed and have now told me I'm out of luck, even though I can not work and have a XX/XX/XXXX. Because my SSI review is in 3 years and not 5-7 they have closed the door on any hope of this getting discharged, but SSI says this is normal for someone my age to be rechecked in 3 years regardless of it being XX/XX/XXXX. 

Most lenders will have a back up option where a doctor will fill out a form explaining more about the diagnosis and what to expect, etc.. not Citizen. They truly do not care.
Product: Credit reporting or other personal consumer reports

I do not validate this inquiry from these entities. Therefore, the following inquiries must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX INQUIRY : XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I trust this letter finds you well. I am writing to bring to your attention a matter of urgency concerning inaccuracies on my credit report. Upon a recent review, I have discovered the presence of late payments on my account, and I kindly request your prompt assistance in correcting or removing this information from my credit report. 

XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative. 

I understand the critical importance of maintaining an accurate credit history, and it has come to my attention that the reported late payments do not accurately reflect my financial responsibility. I am confident that this discrepancy is a result of an error, and I am seeking your immediate intervention to rectify the situation. 

I kindly request that you conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. If there are any supporting documents or information required from my end to expedite this process, please do not hesitate to inform me. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which stipulates that credit reporting agencies must ensure the accuracy of the information they report. I trust that you will handle this matter with the utmost urgency and adhere to the guidelines set forth by the FCRA. 


Thank you for your cooperation and understanding.