23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My information was furnished and used on XX/XX/XXXX without my consent for a XXXX XXXX XXXX credit card. It was a {$350.00} credit limit and immediately maxed. Some payments were made on the card but it was eventually defaulted. The Bureaus claim date of first delinquency was XX/XX/XXXX but last payment prior acquisition was XX/XX/XXXX. Why would an account be turned over for collection before it was ever delinquent? I incurred damage to my credit standing, declined auto loans, credit cards and other services that I probably would have been granted without this inaccurate information. This account was sold to The Bureaus and I have been in contact with them. I have demanded the original, written and or recorded contract/application, copies of my ID/SS card or number and all other relevant information to prove that it was me that opened the account. They did not provide anything except the payment history and other irrelevant documents, but nothing proving ownership. I have disputed this XXXX XXXX XXXX XXXX through no avail. They always XXXX reply saying the information has been verified. I know this is inaccurate being my XXXX, XXXX, XXXX and XXXX accounts are frozen ; therefore, they continue to be dishonest while causing a consumer financial harm.
Product: Credit reporting or other personal consumer reports

Equifax violating 15 USC 1681b Permissable purposes of consumer reports along with divisfied adjustment and experian no utility bill should ever hit any credit report violating FCRA also violating 15 USC 1666-CORRECTION OF BILL ERRORS
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX, XXXX responded but XXXX and Equifax 's response is still in progress. Some items are deleted but there are still FRAUDULENT items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. I DO NOT have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.
Product: Prepaid card

I made payments to Lexington Law as well as XXXX for Credit Repair Services purchased between XXXX of XXXX  and XX/XX/XXXXXXXX  after being subject to telemarketing regarding Defendants Credit Repair Services. One of their marketing affiliates that were allegedly engaged in deceptive marketing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REQUESTING XXXX, EQUIFAX AND XXXX TO REMOVE THE CREDIT FREEZE, FRAUD ALERTS SO THAT CFPB CAN AIN IN PORTECTING MY CREDIT FAIRLY. WHEN THE DISPUTES ARE COMPLETED I WILL REPLACE THEM BACK ON MY REPORT.
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint with the Consumer Financial Protection Bureau regarding an issue with a recent Remitly money transfer service. On XX/XX/2024, I initiated a money transfer to XXXX with the expectation that it would be delivered within minutes, as stated in the terms and conditions. However, as of XX/XX/2024, the transfer is still pending, causing significant inconvenience and frustration. I've asked for my money to be refunded to my account, yet Remitly insists that the funds have already been delivered to the bank. However, according to the tracking information, it's evident that the money has never been dispatched Furthermore, my attempts to address this issue with customer service have been met with unsatisfactory responses. Each time I call, I am greeted by representatives working from home amidst considerable background noise, making it difficult to communicate effectively. Additionally, there has been a lack of apology or explanation regarding the delay in the transfer, further exacerbating my concerns. 

It is deeply concerning that despite the clear terms and conditions promising prompt delivery, the service provider has failed to uphold their end of the agreement. Moreover, the subpar customer service experience raises doubts about the security of my private financial information. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that consumers are protected from such instances of poor service and potential breaches of financial security. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a Care Credit account that I used to get some dental work done last summer, and I have been paying the minimum amount due every month on auto-pay. I did not look at the app to see my bill because I just assumed that my minimum payments were going toward my balance ( the minimum payment amount I am paying was the figure Care credit gave me not a figure I made up ), so I didn't check it. I went to see what the balance was and it is almost XXXX more them the amount I used for the dental work, because they are tacking on fees every month. One fee is for card security which I never set up, and the other is an interest charge on purchases, but I have not made purchases, they are charging me an interest charge on previous interest charges. 

I got care credit almost 15 years ago when I had dental work done. My dentist 's receptionist is the person who filled out the application, so I never saw the application nor was any of their caveats explained to me at the time other than the fact that it was going to absorb the cost of the service. I could pay it off over time, so the initial application was never actually seen by me, and the way it was explained to me is that that was a totally normal way of applying for this service. 

Jump to last summer I needed to up my limit for the dental work which was done via the app and again there wasn't any thing that fully explained how they were going to be using the fees or that they would be charging me fees that would exceed the monthly amount that they set up as the minimum payment. My minimum payment is {$100.00} and the fees are XXXX for interest on purchases ( again there have not been any purchases just them charging interest on their own interest charges ) and a security fee that I never requested or signed up for that is apparently XXXX for every XXXX I owe so it is up to XXXX now. Just those 2 fees alone exceed the minimum due amount, which again they set. 

I feel this is deeply predatory, and evidently so do MANY other people as a quick google search will show the MANY court cases and grievances other people have with Care Credit,
Product: Checking or savings account

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

I entered XXXX program with federal loans upon graduation in XXXX. I was very actively engaged and diligent in tracking paperwork, verification forms and payments on a quarterly basis to ensure I was making qualified payments. In XXXX, I was preparing to transfer to a new company. When searching online to confirm the new company was a qualified organization to continue XXXX for the full 10 years, the website only identified certain locations within my healthcare system as eligible. When I called my Fed Loan Servicer at the time, I was told that my organization was not eligible for XXXX and I could no longer participate. As such, I reluctantly transferred my loans to a private organization to take advantage of far better interest rates, as the program at that time seemed futile and I was expressly told I was no longer eligible. Now, in all recent news, I have renewed my attention toward this problem and discovered that I have, in fact, been working at a participating organization this entire time -- -despite misinformation from Fed Loan Servicing XXXX This should have been on a recorded call and I am hoping this can be tracked down to prove that I was misled into refinancing away from federal student loans. I want my loans reverted to federal loans so that I can complete my PSLF obligation in 2 years, or at least receive a prorated reimbursement for the years that I committed successfully before Fed Loan Servicing ruined my entire career track through misinformation.
Product: Debt collection

Received a letter in the mail today in regards to a debt I was not aware about dating back to XXXX. I never received any information in regards to owing a hospital money nor remember going to a hospital with the date that was given which was XX/XX/XXXX. I called company and they were not much help. I tried to work things out with them and all the said was that they were going to process me to collections regardless of what actions I would take. I asked for a detailed description for the bill and they said it would take 3-4 weeks for me to receive any sort of information. They could not provide an address for the hospital either. This is all a surprise to me because I check my credit score frequently and never saw any bills that needed to be paid for. I did not receive any bills through the mail from the hospital in regards to any payments that needed to be made. It is now XXXX and I am barely finding out about this debt.
Product: Checking or savings account

I closed a business checking, savings, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Wells Fargo on XX/XX/2022 over the phone. They were to send a cashier 's check to my home for more than {$5000.00}. I waited the 15 business days then contacted Wells Fargo. They sent me to a branch where the branch manager told me she could not help and opened a complaint with corporate Wells Fargo- they are sending me back to the branch. They have confirmed the check has not been cashed but refuse to put a stop payment on the check and reissue it. They have had my money for more than 6 weeks and I very much need the funds for a medical proceed I undertook last week.
Product: Debt collection

January Technologies , Inc keeps calling and emailing me to the point of harresement i keep telling him I don't have the money and they keep calling demanding it
Product: Credit reporting

I have never been to XXXX XXXX, CA and certainly not have applied for an Apartment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, respectfully moves this Honorable Court to compel XXXX and Transunion XXXX XXXX XXXX XXXX to comply with the Fair Credit Reporting Act ( FCRA ) 605B, which mandates the removal of accounts resulting from identity theft within four business days. XXXX has failed to delete accounts as required by law, and I XXXX XXXX seeks damages for non-compliance. Identity Theft Notification : On XX/XX/XXXX, XXXX XXXX notified XXXX of fraudulent accounts resulting from identity theft, providing all required documentation, including and identity theft affidavit. Non-Compliance with FCRA 605B : Despite proper notice, XXXX and Transunion failed to remove the fraudulent accounts within XXXX business days, violating FCRA XXXX. A. FCRA 605B Compliance Statutory Requirement : FCRA 605B mandates prompt removal of fraudulent information upon receipt of proper documentation. 
Relevant Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX to ensure report accuracy. 
XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Requirement for reasonable procedures for maximum accuracy. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Duty for timely investigations and corrections. I refuse to pay this unverified debt and either these companies are in business to make profit using illegal and unethical and has misrepresented facts of this debt.
Product: Checking or savings account

Company made refund bank has not posted. REFUND STATUS XXXX, thank you for contacting XXXX  Customer Care. After careful review of your account, the following refund requests have been processed : TRANSACTION DATE BILLED AMOUNT REFUND STATUS XX/XX/2021 {$29.00} Approved XX/XX/2021 {$29.00} Approved XXXX XXXX XXXX XXXX and the XXXX XXXX logo are trademarks of XXXX XXXX XXXX 

You received this email because you are a member of XXXX. 

This email was sent to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent failure to correct a late open account and remove a charge-off from my credit report, despite numerous attempts to rectify these issues. 

For several months, I have diligently pursued the correction of a late open account and the removal of a charge-off from my credit report through repeated disputes with the credit reporting agencies. Despite providing substantial evidence to support my claims and following all required procedures outlined by the Fair Credit Reporting Act ( FCRA ), these inaccuracies remain unresolved. 

The presence of these inaccuracies on my credit report is severely impacting my creditworthiness and financial standing, making it challenging for me to access credit and financial opportunities. Despite my best efforts to address these issues, the credit reporting agencies have failed to take appropriate action to correct the inaccuracies in a timely manner. 

I request that you intervene in this matter to ensure that the credit reporting agencies fulfill their obligations under the FCRA. This includes promptly correcting the late open account and removing the inaccurate charge-off from my credit report, as well as providing me with a corrected copy of my credit report. 

Furthermore, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' failure to address these issues in a timely and satisfactory manner. With this, I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX Balance Owed : {$4300.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Mortgage

I sent in my loss mitigation packet on the XXXX of XXXX. On the XXXX th of XXXX i received confirmation via email from XXXX XXXX stating that my packet was accepted as complete and in review. I receive this information via mail from us bank on the XXXX th of XXXX, this is more than the 5 days allotted for this to happen legally. I filed a complaint with XXXX and was told tha ti needed more information, this is saying that i should have received this information on the XXXX th of XXXX but i did not. I had contacted XXXX on XXXX, and several after and did not find out that i needed the information until XXXX. I immediately sent in the information via email to XXXX and was told that i was once again in review, more than 30 days after my loss mitigation packet had originally been put in review. This company is not completing my packet in a manner that is deemed timely by the law.
Product: Student loan

I am trying to refinance my student loans. My current lender is First Republic. In order to refinance with another company I need a loan document stating the it is a student loan or an education loan, or a signed letter from First Republic stating this. A simple one liner would suffice. I have emailed and called several times. My first request was on XX/XX/2020, then another in XX/XX/2020. I have emailed and called them several times since and no one has responded to help me. I am now unable to refinance my loans with any other company.
Product: Credit card or prepaid card

There was a credit card issued through Comenity Capital Bank in Ohio that I did not apply for or activate. A small charge was made using this card to XXXX XXXX A small item was delivered to my address, I did not open and wrote did not order return to sender. About two weeks late I received a credit card through the bank Ive mentioned above. As all cards a sticker on the face of the card had a number to call to activate card. I did not activate card and cut it up and disposed of it. Now unpaid balance was reported to XXXX XXXX and XXXX which has dropped my credit score over XXXX pts on each. My credit score had been over XXXX for many many years. 
Not sure how this card was issued but definitely not by me. I need assistance in resolving this please. The call I made supposedly to this Bank I got the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX and XXXX accounts. ( Please see pages 2 6 and 9 14 of the attached credit report. I have also attached a spreadsheet with each account number ). These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was logged in to my Cash app account where there is currently {$1900.00}. I logged out of my account by which was a mistake. XXXX of the requested forms of identity verification had changed for me, which are a linked debit card to the account and the phone number used when initially creating the account. Both are updated. I called customer service to verify my identity to access my account and explained to them that my phone number and debit card were updated. They asked for the last XXXX digits of my social security number, the last XXXX digits of the previously linked debit card, and for the original phone number used when creating the account. Apparently, this information did not suffice. I was given the run around on why I could no longer access this account and why my funds weren't able to be received by me. I asked if this was a security issue. They concurred. But I gave them all of the information, especially the last XXXX digits of my previously linked debit card, my old phone number, and my cash tag. The customer service representatives had no information. I asked to speak with a supervisor, and they gave me more of the runaround. I gave them all of the correct information, and they still refuse to give me my money. I need help.
Product: Credit card or prepaid card

My name is XXXX XXXX ; I'm a XXXX XXXX XXXX female diagnosed with XXXX, I have a special need son. On XXXX XXXX I mistakenly made double payment for my credit card ending XXXX, the first payment was {$850.00} and the second payment was {$780.00} because when I made the first the payment the bank did not clear out my statement bill right the way even though they withdrew the payment from my checking account right the way. So I called right the way and several time the BOA customer service to get my over payment back to my checking account because there is no money left on my checking account, unfortunately they refused stating that I have to wait XXXX, I run at night to the bank and deposit {$200.00} fear of overdraft, I did not stop calling, begging asking BOA agents for my money back to pay for my medicine for over a weeks constantly many times a day. I was traumatized mentally physically and emotionally which cause my pain get worsen. 
It took more than 3 weeks for BOA to give me my money back ; I got refunded on XXXX XXXX. 
Not only that BOA never gave me my reword money back from XX/XX/2022...
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus continue to illegally report inaccurately/fraudulently on my credit reports which violates my rights as a consumer under the FCRA which states all bureaus must report the same accurate information. They continue to give me a hard time disputing the information.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Incorrect Name - XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX  EMPLOYER - 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 XXXXXX/XX/year>