23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX PRESUME TAHT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXIST. NEED THIS REMOVED I HAVE DISPUTED THIS ACCOUNT SEVERAL TIME AND XXXX TAKE IT OFF OF MY CREDIT AND THEN THE CREDITOR PUTS IT BACK ON MY CREDIT AND SAYS THAT IT IS ACCURATE INFORMATION. 

I DO NOT HAVE ANY KNOWLEDGE OF THIS DEBT AND I WANT IT REMOVED XXXX XXXX SOLD MY PERSONAL INFORMATION TO A THIRD PARTY COMPANY WITH OUT MY CONCENT TO GIVE MY PERSONAL INFORMATION OUT EXPECIALLY MY SOCIAL SECURITY NUMBER, DATE OF BIRTH, ADDRESS AND STUFF! THEREFORE I AM NOT RESPONSIBLE FOR THIS DEBT CAUSED BY IDENTITY THEFT. 

I HAVE NEVER EVEN HAD XXXX XXXX. SOMEONE STOLE MY INFORMATION.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( 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.

and according to 15 USC 1681s-2 they are suppose to 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: Credit card or prepaid card

My account was locked because of  XXXX  purchases -  XXXX  for {$100.00} and  XXXX  for {$30.00}. I noticed my account was locked when I could n't log into my account. Then, it turned into a   XXXX   XXXX   XXXX   show becasue I was n't calling from my home phone. After  1 h our, I closed my account - they immediately locked me out of my data. I asked to receive my data and they said they can mail or fax it. This seem to be willfully uncoopertive to someone who 5 years of about a  XXXX  rolling balance.
Product: Money transfer, virtual currency, or money service

One bank was saying they never received it and the other saying sent it neither Bank wants has the money it's like it disappeared out of thin air the amount was {$100.00}
Product: Credit card or prepaid card

Back in XX/XX/2022 the company My BJs Perks World Mastercard though Comenity Capital Bank. Had some issue with an update their company did and I had some fraud charges on my account. 

Also Because of the update they were not able to send me a replacement card. 

Eventually I got the fraudulent charges fixed and asked them to fix my credit report but that did not happen then around XXXX they were completely taken off my credit report which hurt my score over XXXX points. 

I tried to apply for a new card and got denied because It showed I still had credit with them which I still have not received a new card. 

They hurt my credit and caused a lot of stress.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax XXXX XXXX. I want the items listed in my attachments deleted from my credit reports effective immediatley. I will also be attaching proof of Equifax admitted that I was in fact a victim of this XXXX XXXX and Equifax has done nothing but lower my scores and hurt my ability to obtain credit by consistently reporting false information. Please helpl me delete these illegal accounts from my consumer report.I will also attach the recent FTC REPORT : 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: Checking or savings account

This complaint is about an email received from Wells Fargo.com advising of the account name change, and changes. These changes are drastic. 1. I no longer have free money orders or cashier 's check. 2. There's a {$15.00} and $ 10 monthly service fee if you don't have direct deposit ( total qualifying deposits ) of {$500.00} or more. 2. {$500.00} minmum daily balance. 3. Primary account owner is 17-24 years old. 4. The account is linked to a Wells Fargo XXXX ATM Card or Campus Debit Card. 5. A qualifying monthly non-civiliam military direct deposit with Wells Fargo XXXX XXXX Banking program. 6. There's also a statement that says, '' Please note that the monthly service fee can no longer be avoided by linking a Wells Fargo Home Mortgage. It further states that they'll waive the monthly service fee for the first XXXX fee periods after XX/XX/year>. 

As stated the Noitice was sent via email on XX/XX/year> and mailed in the checking account statement. The checking account statement didn't highlight that there were changes to the account. The notice was included on the last page and at the bottom of the statement as if they want consumers to not notice the changes. I don't know how consumers will be aware of the account changes if they bank on-line, who only read the statement financial portion to determine the accuracy. 

This isn't fair. They need to at least provide better notification, give at least 6 months to 1 year before these changes go in effect. I have been a customer with Wells for over 40 years. I have a mortgage complaint and have never brought those complaints to your ( XXXX ) attention. Consumers need more time to search other institutions for a plan that will fit their needs.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX XXXX. I consulted with an advocacy group who helped me submit this information. How is it that one of the accounts came back verified if this XXXX XXXX  information was supposed to be confidential?
Product: Debt collection

I enrolled in the student loan income driven program with student loan direct 1. I have been paying them since 2018 - present. I just found out that the company is fake and ALL my monthly payments, monthly processing fees, and yearly recertification fees have been going to this fake company, and not my actual student loan. This fake company has had access to all my personal information, such as : bank information, social security number, address, phone number, date of birth, passwords, tax information, employment information and paystubs, etc. I have been scammed for thousands of dollars. I'm not even sure what other damage has happened since they have had all my information and taking my money. the webiste for the fake company is : https : //www.studentloandirect1.com/
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  credit services are reporting different account histories. XXXX  is reporting from XX/XX/XXXX to current, while Equifax is reporting back to XX/XX/XXXX with alot of undetermined payments statuses. Equifax is also reporting more than 150 day late from XX/XX/XXXX to XX/XX/XXXX, while XXXX  is less days late. Equifax said XXXX must send them corrections. I shouldn't have 7 years on my record and they records should match. This is negatively affecting my credit score and impacting my daily life/livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$1900.00} XXXX XXXXXXXX {$2600.00} XXXX XXXX {$4400.00} XXXX XXXX {$240.00} XXXX   XXXX {$170.00} XXXX  XXXX {$270.00} XXXX XXXXXXXX {$360.00} XXXX   XXXX {$570.00} XXXX XXXX {$710.00} XXXX XXXXXXXX {$440.00} XXXX   XXXX {$240.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$18000.00} XXXX  XXXX {$3500.00} XXXX XXXX {$2700.00} XXXX XXXX {$1500.00}
Product: Debt or credit management

MIDLAND CREDIT MANGEMENT COLLECTION FOR XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX MIDLANDS COLLECTION ON MY CREDIT REORTS XXXX ACCOUT XXXX  ACCOUNT XXXX  XXXX  ACCOUTS XXXX  XXXX  PAID IN SETTLEMENT XXXX  ACCOUNT, XXXX  XXXX, XXXX, XXXX AND HARD INQURIES THAT I DID NOT AUTHOZIED I DISPUTED THESE ACCOUNTS MORE THEN ONCE AND THEY DID NOT INVESTINGATE THIS PROPERLY>>>>> ACCORDING PURSUANT TO 18 USC 8, IOWE NO DEBT, THESES COMPANIES ARE VIOLATING MY CONSLUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681B 2 THEY HAVE NO PERMISSION TO REPORT ANYTHING USING MY IFO 15 USC 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquire on my TransUnion report. below is the information : Institution Information XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Date : Inquiry from XX/XX/2017 2017
Product: Credit card

My Ex hade been using my credit to apply for credit cards whiteout my knowledge for years he just told me a after I called the police credit cards he opened and used under my name 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 THE ONLY CORRECT ADDRESS I GOT IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have parent plus student loan with XXXX XXXX XXXX in Iowa, start paying XX/XX/2008 and ( my monthly payment was XXXX $ ) my paper statement amount of principal and customer service amount are different. Paper statements show original principal amount of loan is XXXX and I paid XXXX ( plus interest of XXXX ) but when I contact customer service they told me I have principal amount of XXXX. That is different amount of XXXX. I spoke with customer service many times to explain me what is wrong or right and they are rude and unprofessional, unfortunately they didnt tell me why paper statements balance and balance in sistem not same. Something is wrong and I find out that many people complain about same problem with this company.
Product: Checking or savings account

On XX/XX/23, I awoke from sleep after working night shift to a text message about verifying repeated failed login attempts from XXXX, FL. I was able to log into my online banking and all was well at the time therefore I felt that I would contact BOA once I arrived at work to inquire. At work, I tried to log into online banking again to see that I was locked out and it was asking me to verify information that I didnt have at my desk. I dont carry my card with me all of the time and I had left it at home. I checked my email to see that someone had OPENED A SAVINGS ACCOUNT UNDER MY NAME IN FLORIDA. I was shocked to be honest and immediately called the fraud department. They were difficult to deal with and I was shuffled from not just one to three people before being able to explain what was going on. At this point, the rep on the phone told me that I needed to work with her and answer the questions to resolve the issue and I was demanding, rightfully, reassurance that nothing had occurred and we could close this new account. Unfortunately, XXXX dollars of MY MONEY was allowed to be fraudulently removed under the watchful eye of Bank of America who, despite sending me XXXX text requesting that I verify my identity, decided to allow a random criminal to open a savings account under my name, transfer my money to another BOA account and then out of the bank entirely as it appears all under a few hours. No security checks from me. No inquiry on my behalf although it was opened in Florida and somehow California is involved in there as well. I am utterly appalled and not to mention distraught at the loss of XXXX dollars of my money. Equally appalling is the lack of security measures and verification on behalf of such a large institution. When I requested that funds be immediately transferred back, I was told I have to wait. So now, I am told as the victim to wait 10 days for a provisional refund and this may take up to 45 days to investigate. I want my money which is rightfully mine. I can not afford to wait for it due to this companys deplorable blunders and I would investigate the fraud prevention practices of Bank of America. Consumers have a right to identity protection and this place simply does not have it.
Product: Credit card

My account was hacked and a card with my number was used to make unauthorized purchases at a XXXX store, in the amount of {$70.00}, in XXXX, Michigan on XXXX XXXX, 2015. While Citizens Bank credited the unauthorized charge back, they failed to accurately credit my account for finance charges. I paid off all new charges monthly, yet continued to be assessed finance charges. I have had numerous phone conversations with Citizens personnel and written numerous letters. I finally cancelled the account on XXXX XXXX, 2015 due to their poor service. My most recent and final statement contains an erroneous {$11.00} finance charge and an unauthorized charge of {$74.00}. I have written a letter to Citizens identifying these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, and XXXX XXXX XXXX Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Trans Union has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Trans Union, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my personal experience, where as Trans Union has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Trans Union 's inaction violates federal law and my rights as a consumer.
Product: Credit card

I accepted a loan for an XXXX purchase, on my Paypal Credit account, that Synchrony Bank refers to as an " easy payments loan '' ( XXXX ). The loan was specified as a XXXX loan with a monthly payment of {$100.00}. 
I also have several other Paypal purchases that are specified as 0 % APR as long as each is paid within 6 months. 
Almost every time I make a payment more than the minimum due, that amount of extra payment is applied to reduce the balance of the XXXX instead of the next-due-to-expire 0 % XXXX deal. 
At this time, the XXXX  months XXXX will be paid in full in about 14 months. 
This causes me to have to pay inordinately high payments in order to prevent paying deferred interest on the 0 % APR deals. By making these high payments, as well as other accounts with at or over 30 % APR, I find that I have exhausted my savings, and am now delinquent on my property/real estate taxes for a payment that was due on XX/XX/year>. 
An Additional problem is that the monthly statement provided does not show the extra payment being made to the EPL, but only shows the required {$100.00} payment, making it impossible to cross foot the statement with the total of the payment made for a given month.
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the Fair Credit Reporting Act ( FCRA ) section 611 ( 15U.S.C. 1681i ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. I require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Product: Credit card or prepaid card

Hello, This is the third complaint that I am filing against Discover it card. It has not been solved. I was not in the country and my card was being charged, I provided them proof that I was in XXXX and not in the USA, but they continued charging me and did not reimburse me for these charges. The charges were equal to {$17000.00}, and I saw this when I returned to the US. I provided everything to them about the charges and how it was not made from me but they are no help. It has been almost a whole year since I have been disputing this and nobody has helped. {$17000.00} is not a small amount, so I need to be reimbursed!
Product: Debt collection

Compliant XXXX was submitted on Wells Fargo and a prepaid credit card debt that they " alleged '' is owed. XXXX XXXX XXXX, as well as Wells Fargo, are both reporting this " alleged '' debt on all 3 credit bureau profiles. XXXX is indicating that I owe them {$740.00} and Wells Fargo is reporting {$610.00} in interest and fees for a prepaid credit card that my security deposit was never received back at the time of requesting account closure. XXXX continues to send mail correspondences and contact me several times a day for this debt despite me informing them the debt isn't actual and requesting documentation from them.
Product: Credit reporting or other personal consumer reports

I was discharged from a XXXX bankruptcy XX/XX/XXXX. I called to Nationstar/MrCooper and asked questions concerning my account since I'm no longer in bankruptcy. My home was never included in my XXXX. However, as of XX/XX/XXXX on my XXXX credit report its not reflecting that I have an active mortgage account. But it does show that the account was reported by Nationstar/MrCooper as closed.

This company needs to get their heads out of the four points of contact and do right by the customers and their accounts. I'm sure there are laws protecting consumers and their rights when it comes to situations like this. They're going to lie and say we did report to XXXX. They would be lying. 

I have took photos and printed out my report as proof and also have a bank printout of monthly mortgage payment made to this company. I've had this loan with them after refinancing since XXXX to present day. 

They are not reporting payments I have made since they've acquired the loan. I'm sure I'm not the only one complaining about this company and its practices. And I have a right to say that this company needs to be investigated seriously. I can be reached at XXXX. Since it's closed give me the title to my house. Companies need to be held accountable for their actions. They'll hold me accountable. So, as a consumer, I will fight back every time something happens of this nature. And all three credit bureaus need to be updated from the time they acquired the loan XXXX to present day. This is unfair work pratices and ethnics as a company.
Product: Mortgage

I started the process of applying for a loan refinance in XXXX with Fifth Third Bank. I worked with XXXX XXXX NMLS # XXXX and XXXX XXXX   NMLS XXXX. They both validated that all information that was needed had been submitted by XX/XX/XXXX and that the loan would be moved to underwriting and would close in early XXXX at the latest. I have reached out in writing multiple times and left multiple emails for them to give me an update. The only reply I have gotten is that there is no update to give. It has now been over XXXX months for this process. Today XX/XX/XXXX, I received a call from someone representing Fifth Third bank that they needed my payroll information again because it had been so long. It is unbelievable that they have taken so long that my documentation is no longer in date. I feel that it has been well over the allotted time to process this loan and I would not like for anyone else to go through this experience.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : My payments were made on time, but due to a clerical error by the creditor, the payments were incorrectly recorded as late. The payment confirmations from my bank show that the payments were cleared well before the due dates. I have enclosed copies of these confirmations for your reference. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX