23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX account in XX/XX/2021. They offer a program which is a secured card. 

I initially placed a XXXX security deposit and then another XXXX for a total security deposit of XXXX. XXXX ( XXXX ) - issued me a XXXX credit card with a XXXX secured deposit in my XXXX account. 

I used the card for several months and then when I closed the account XXXX took XXXX from the security deposit and paid off the balance on the card. The Bank issued me a deposit for XXXX which was the remainder of the security deposit minus balance on the secured card. 

A month later XXXX ( XXXX ) started to report the balance as late and with a total due of XXXX. 

I have disputed the information XXXX provides to the credit agencies monthly and they correct the data monthly. Each and every following month, XXXX reports late payments and as well collection activity that does not exist. 

I am including the documents that show, XXXX. My initial deposit to Secured Account of XXXX XXXX. My second deposit of XXXX to Secured Account. 
XXXX XXXX  Depositing to my account the difference between the balance due and security deposits, which totaled XXXX. 

The credit card has been closed from XX/XX/2021 and there was no balance due. There are no late payments. There is no collections. 

Please find attached.
Product: Credit reporting or other personal consumer reports

I do not recognize these queries in my report. 
XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX do not recognize these late payments, these accounts were PAID and closed during covid because i lost my job, please request that they be eliminated since it tremendously affects the possibility of improving my financial life. 
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: Mortgage

When filed for bankruptcy 7 years ago Wells Fargo didn't send back there paper work and now my payments are not being shown on my credit report. We were not filing against the house just our credit cards. We tried settling this before through Wells Fargo and they said they couldn't help us and it was our fault that they didn't get the papers in.
Product: Student loan

This person is very rude every time I talk to him. Today, he was extremely rude. This is what he said : " it's your debt, not mine. '' Like why you would you say that to someone? Very rude! It's stressful enough to experience this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX marked my student loan accounts as late, when I clearly deferred my loans over a month ago. I also re-submitted my deferment documents ( this time online ) today to ensure that you got them. It is not my fault that a publicly funded university that receives millions of dollars a year due to ever increasing tuition fees can not keep up with their mail. Not only is it completely disgusting and abhorrent that this university would try to collect on loans during a national emergency and a global economic depression, it is also completely unethical and inaccurate to mark payments late while most of country is very obviously in unemployed, receiving benefits, and/or eligible for deferment through other means.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I ordered a recliner from XXXX for {$260.00} using PayPal as the checkout method. On XX/XX/XXXX, it was apparent that the product was not going to arrive. I asked the seller on XXXX for tracking information and they kept sending me random tracking numbers that do not go to my address. Eventually on XX/XX/XXXX, they went as far as forging documents showing that I signed for the item even though I did not receive it. XXXX was not helpful in processing a refund. They kept saying they would, but never did. 

On XX/XX/XXXX I opened a dispute with PayPal to resolve the issue. PayPal went through the normal process of requesting tracking from the seller. On XX/XX/XXXX the seller again provided fake tracking information that wasn't even to the same state as my delivery address. I pointed this out to PayPal and the seller was given another opportunity to respond. Then on XX/XX/XXXX, they send another tracking number that is for my same city, but it is not for my address. PayPal immediately closed the case and resolved in the seller 's favor without even verifying any information with me. 

I now see this XXXX seller has many negative reviews stating this same scam. This seems to be a common scam on XXXX. PayPal has been extremely irresponsible in their handling of this dispute and they should be more diligent if they are going to operate in high risk marketplaces like this.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of XXXX Student Loan account opened at : XXXXXXXX XXXX XXXX XXXX {$5600.00} DATE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} DATE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3800.00} DATE : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX {$2500.00} DATE : XXXX, XXXX XXXX XXXX XXXX XXXX  {$2400.00} DATE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$1100.00} DATE : XXXX, XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. 

The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections,
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I purchased an item from XXXX XXXX  and used Affirm as a payment option to pay installments. 
I changed my mind about the item and returned it the same day I received it at a local XXXX XXXX  store on XX/XX/XXXX. 
Full amount of {$520.00} was refunded by XXXX and should have cancelled the entire loan with Affirm. 
Affirm did not cancel the loan but instead credited a different account, not XXXX XXXX. 
I called to state that the item was returned and that I should not be still responsible for the loan term as the item was returned. 
I requested information about XXXX return policy and whether or not this was valid. 
I kept be put on hold. I was told that this could not be resolved but when I got upset the respresentative stated that they would expedite my request to have it further investigated. 
I am being held to a loan that should have been closed. 
I expressed that I no longer could pay it and it was not in my budget to pay and the item was returned so I should not be responsible for it anyways. 
I called on or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to resolved and to get updates but nothing I returned an item and was fully credited and therefore should not still be responsible for a loan through Affirm.
Product: Money transfer, virtual currency, or money service

PayPal informed me they would be holding my money for 180 days and then giving me the remaining balance and after the 180 days they decided to keep the money for themselves, on XX/XX/XXXX they debited the account and shows a payment to PayPal of {$2400.00} due to acceptable use violation. I am running a legitimate business and when asked what rules were broken they will not tell you. There is no reason to steal my money, Ive contacted them countless times trying to get them to take a second look and they wont reinstate my account and give me my funds.
Product: Credit reporting or other personal consumer reports

There are several loans on my credit report that I believe came from the data breech by Capital One. These are fraud : 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 XXXXXX/XX/XXXX I did not create any of these accounts and need help in getting this stuff off of my credit report so I can get my life back together.
Product: Debt collection

About 8-9 years ago I was getting XXXX supplies from XXXX XXXX XXXX XXXX, a small XXXX   supply. I had an outstanding balance- Little over {$100.00} one year. I was told they would " write it off '' because I had brought them new business. The following year I had an outstanding balance around {$300.00}. XXXX XXXX XXXX XXXX was closing their business and going into other areas. 
One of the salesmen had started selling XXXX XXXX. I helped them get in the door and sell the insurance to my coworkers at XXXX , XXXX At that time we had over 800 employees. 
I was recently contacted by Congress Collections who said I owed over {$500.00}. I thought it was a scam until it was on my credit report.
Product: Checking or savings account

I made an online deposit into my Wells Fargo checking account on XX/XX/year>2025 at XXXX XXXX On Tuesday, XX/XX/year>2025, there was a hold put on the deposit until XX/XX/scrub>/2025. Wells Fargo stated that the check was XXXX through the ACH on XX/XX/year>, but the check cleared XXXX XXXX on Monday XX/XX/year>2025. The check was XXXX XXXX XXXX 
This has happened before with Wells Fargo, even thought the check cleared, the held my deposit for 8 days. 
I asked Wells Fargo to reject the deposit as XXXXXXXX charge me, and let me negotiate the check with XXXX. They refused. I have the check in my hand. If the can not honor the deposit, they must return the use of the check to me so I can use my other bank. 
I will look for a lawyer to sue Wells Fargo for violation of Consumer Protections : The CFPB investigated and found that Wells Fargo violated the Consumer Financial Protection Act by engaging in unfair and deceptive practices. These practices included, among other things, holding funds unnecessarily after they had been deposited and credited to customer accounts.
Product: Credit card

Bank of America closed my credit card account with no warning. The account was current with no issues. I had earned {$300.00} in rewards. The bank is telling me that since the account is closed, I have forfeited these rewards.
Product: Debt collection

Originating phone # XXXX Return Phone # XXXX We received the a call today, XX/XX/18. This company is apparently trying to collect a debt from a family member. 

We have not been responsible for the debts or activities of that family member for over 15 years. 

I was told that that the only way they would know about that is if we called them back. 

I believe that they trying to embarrass that family member.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I've submitted my dispute to the bureaus multiple times and they have yet to give me a fair investigation. I believe their responses are automated when I do receive letters all they do is mark it " VERIFIED AND ACCURATE '' and when I request for them to tell me how they came to that conclusion I NEVER EVER get a response back. 

I need a fair investigation because it is my right. 

Since the bureaus have yet to do their job I need these items that don't belong to me to be deleted ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts XXXX accordance with FCRA, I am requesting these inquiries to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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: Debt collection

These people call my employer up to four times everyday, and on occasion leave messages. They falsely claim to have sent a certified letter to my home, and no one signed for it. I have cameras outside my home, and there is someone there at all times.
Product: Consumer Loan

I were given a loan issued through wells fargo dealer services from the auto dealer I bought a car from. Not in the complaint but another issue the dealer decided to check XXXX banks for credit without our approval, which made our credit score go down. Anyways, I wanted to pay the loan off. Normally at other banks I have been with including XXXX allowed us to pay online or by phone via an ACH debit with our bank routing and account numbers. for example at XXXX I made an ach payment for {$15000.00} with no issue. However, what I learned was that Wells Fargo Dealer Services has instituted a limit of {$4900.00} on ACH payments per day, and that the only way you can pay even that amount is by paying a {$20.00} fee, since you need to speak with someone to do it. We just wanted to pay off our entire loan which was about {$17000.00}. Despite over 30 minutes on the phone trying to get a solution to not have to pay additional fees or interest, and just pay with the ACH for XXXX I was unsuccessful. No where in the loan documents or disclosures I was given explained that I was only able to pay XXXX at a time by providing my banking information for ACH debit. Despite this they would not let me pay this way. They did offer a wire transfer option that would have cost me {$20.00} at my bank, since they charge a fee for that. They also would allow me to send a check in which would take a few days, and thus accrue additional interest while the check was in the mail. Essentially, the unfriendly wells fargo policy was essentially causing me to pay additional fees that were not disclosed within the TIL. Despite the fact that the TIL says I could pay my loan off in full without prepayment penalties, Wells Fargo limited my options to options that would cause a fee ( Wire, or additional interest until they accepted the payment via mail ). I am very disappointed that despite wells fargo offering a direct debit ACH payment without fees or added costs, they would not actually accept my payment since I wanted to pay more than an arbitrary number that they set as a limit, and did n't notify me about when I got the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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, credit repair services, or other personal consumer reports

I completed an application for XXXX loan in XXXX XXXX. XXXX offers loans to federal/government employees to assist when needed. Loan # XXXX, was scheduled with the payroll allotment of $ XXXXbiweekly automatically deducted from my check starting XX/XX/XXXX. The agent listed on my application at the time is XXXX XXXX. 

I have worked with my employer since XXXX, however didnt become perm until XX/XX/XXXX during a shutdown. Per my loan app, loan amount : {$3500.00}, w/ XXXX pymnts including finance charges total {$5200.00}. 

I like XXXX overall, the customer service is attentive, my account information looks accurate whenever I log into their website. However, when Im checking Experian, XXXX  or XXXX  the information doesnt match. They have different information reported. While my balance is being reported that its only decreasing {$20.00} sporatically. 

In the attachment, I am eligible for refinance. I have paid the majority of the loan back already, therefore I do not owe a balance of anywhere near {$3000.00}. I have missed pymnts due to shutdowns & layoffs. Still the information is not correct. 

XXXX : Reported amt {$3300.00} w/ a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XXXX, Term : 67 months XXXX : Reported amt {$3400.00} w/a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XXXX, Term : 67 months Experian : Reported amt NONE LISTEDw/ a balance of {$3000.00}, Monthly pymnt : NONE LISTED, Opened : XXXX, Term : 54 months
Product: Debt collection

I was contacted by Lyons Doughty & Veldhuis p.c To collect debt on behalf of XXXX XXXX I let them know I can make payments but not nothing over {$150.00} a month they came up with a payment amount based off of my income which is {$16.00} an hour XXXX hrs a week to pay {$350.00} a month when I told them I cant pay that amount they have tried to sue me first and now are trying to garnish my wages
Product: Money transfer, virtual currency, or money service

Coinbase. XX/XX/XXXX to XX/XX/XXXX. Withdrew Euros XXXX in line with the instructions of the organisation. Money has still not arrived in linked account and all linked account details are correct. It is now 3 weeks after the request and process and confirmation receipt that it has been completed. Withdrawal reference : XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 experience, where Experian 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 Experian inaction violates federal law and my right as a consumer.
Product: Credit reporting

This has been an ongoing issue for quite some time with Equifax. I have asked on multiple occasions that Equifax remove a public record that is appearing on my credit file. I have contacted the bankruptcy court who informed me that they did not furnish the information appearing on my credit report. Equifax informed me that XXXX provided this information to them. I have asked for proof of how they verified that the information reporting belonged to me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed there were fraudulent accounts open along with multiple addresses i have never lived in, inquiries and names listed on my credit report. I have filed a FTC report # XXXX and I will attach it along with proof of my address and this address that should be only address on file. I have NOT lived at the other address or have any knowledge of those accounts. And inaccurate names being listed on my credit report. I have the right to have my consumer credit report complete and accurate. 

I have listed the accounts that are not mine on the FTC report. I will also put them below : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I deposited a check in the amount of {$370.00} with Fifth Third Bank. After 4 to 5 days I called Bank customers service regarding my check status, the representative told me that your check returned due to non sufficient fund, when I called to confirm their claim to check issued institution XXXX XXXX and they stated that check was cashed on the same day XX/XX/2018 and my bank put illegal hold on my fund for 10 days to use my money for other business and giving me falls information. 
This is not a first time they have been doing the same thing since very long and I would say its a regular practice of the bank to put unnecessary hold on checks. 
Bank also hiding the information of the back of check facts.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX Inquiries : XXXX on XX/XX/XXXXXXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX on XX/XX/XXXX Experian Inquiry : XXXX XXXX XXXX on XX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.