23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I simply just use this cash app and card for cash..recently I purchased XXXX dollar stock option ... I don't know if that may have caused a problem but they are falsely accusing me of setting up a direct deposit which I absolultely do not have. I worked in XXXX and I am a former XXXX ..they hang up..they send email after email..I still have XXXX dollars owed back to them for a loan they authorize but they wont allow me to add money to pay it back..I want them to stop falsely accusing me..no offense but it is the XXXX and XXXX on the phone..my point is they are not XXXX speaking I believe in XXXX and I do not judge but I have high security clearance I want this stopped!! I want my loan paid back and I want my stock of XXXX sent to me on the other stock option it was just XXXX and XXXX. they refuse to tell me why they are acting this way, ,AGAIN I DID NOT AUTHORIZE DEPOSITS
Product: Credit reporting or other personal consumer reports

I would like to express my gratitude for the efforts of the Experian in addressing certain fraudulent items on my file attributed to an alleged identity theft. However, it has come to my attention that certain remaining fraudulent items still persist, necessitating further resolution, especially in my XXXX Credit Report. I have previously submitted a complaint as a victim of identity theft, outlining the specific fraudulent items in dispute. It is crucial to emphasize that these disputed items are unrelated to any transactions for the acquisition of goods, services, or funds that I have personally authorized or engaged in. I kindly request the removal of the reporting of these fraudulent items from my credit file, which were a result of the alleged identity theft. Notably, similar information pertaining to these items has already been expunged from other bureaus, casting doubts on the accuracy and reported history of the items under consideration. Per the provisions outlined in FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I bring to your attention the following details : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Hello, I've suffered from identify fraud resulting in me having to lock my credit in the past. Upon looking over my credit profile, I do not believe this debt is mine or that I am liable and it is causing me hardship. I have asked creditor multiple times to please provide the original purchase agreement so I can validate debt, I have disputed multiple times with credit agencies, and recently with the XXXX, and they still did not provide any proof I owe this debt. 

After reporting to XXXX, they change all the collections status as closed on XXXX only, and never provided any other information. 


Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt XXXX XXXX XXXX account. {$630.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Closed Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX Closed No Info
Product: Consumer Loan

I went and took out a loan with world accptance in XXXX ok. I took out insurance incase anything happen to the security i use to secure the note. about 6 months after i took the loan out i was in a flood and submitted pics and everything of the lost computer and electronics. they told me it would be handle in 30 days and the note should be paid off. 4 months pass and some random lady came to my house saying i owe them XXXX dollars. She remember me and said she did not know why the insurance didnt pay yet. so i call them and they said the branch manager didnt turn my stuff in and they change branch mangement right before this they did not have any supporting evdeince to file my claim
Product: Checking or savings account

I reported an unauthorized transaction of {$100.00} on my debit card. However, I have never used this debit card for online or in-person purchases, ATM withdrawals, or any transactions other than wire or ACH transfers. Despite this, the bank denied my claim, stating that the transaction was consistent with prior use. This reasoning is completely inaccurate, as I have never used this card before at all, making it impossible for any transaction to be consistent with prior use. 

Furthermore, the bank has been extremely unhelpful throughout this process. I have had to make multiple phone calls, only to be redirected repeatedly, with agents either not responding or providing no meaningful assistance. The bank has failed to properly investigate the dispute and has not provided any reasonable explanation for their decision. 

I am requesting that the bank properly investigate this fraudulent transaction and uphold its zero liability fraud protection policy, ensuring that I am not held responsible for unauthorized charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I wanted to apply for a mortgage when I realized that I had an account with XXXX XXXX that was unauthorized by me. My personal info has been compromised in a the XXXX Data breach and my information has ended up on the dark web. This account does not belong to me and I did not open it
Product: Debt collection

On XXXX My financial advisor and myself contacted XXXX XXXX XXXX concerning account # XXXX. We spoke to a XXXX XXXX at Ext. XXXX. My financial advisor requested proof of debt, proof that they have the promissory note, date of first delinquency, License number for the State of Florida, and the Bond number in the State of Florida. XXXX XXXX could not provide any information and refused to do so. Instead he referred us to the companies website. Upon this conversation, we requested that they cease all collections attempt and to stop the foreclosure process as they have failed to provide the proper documents to justify their actions. I have repeatedly requested that they provide proof of debt and they have failed to do so. This collection company is attempting to foreclose on my property without providing legal documents. Furthermore, the date of first delinquency is sometime back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account with Equifax clearly they no that my name is XXXX XXXX But they constantly change it back to XXXX XXXX that is incorrect never have i used or used that name or alias. The also have blocked me from disputing this. Incorrect reporting
Product: Credit reporting or other personal consumer reports

I called all three reporting agencies asking them to remove the hard inquiries reported in accurately and negatively on my credit report. 

In accordance with XXXX XXXX XXXX XXXX- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed. 

The inquiries are not yet removed since my request. 

The inquiries that I wish to remove are located on the attached documents of this complaint.
Product: Credit card or prepaid card

Have been dealing with this issue since XXXX. Capital One was made aware that someone accessed my account fraudulently and I no longer had access. I have went back and forth for three months now with Capital One employees telling me one thing and then the next employee telling me something else. I receive none of MY PERSONAL information, yet I have someone else 's personal information which Capital One is aware of and still has done nothing about. Never attempted to help me with my account just stated my account is being handled by fraud. Well, the Fraud department is doing absolutely nothing to assist or help me. My account is being reported negatively and inaccurately when I have no access and have not had access since XXXX and I just keep being told the account is being handled by fraud. Every time I call I keep getting the same response which is fraud is handling it or the only issue is you cant log in. NO that is NOT the only issue. I have repeatedly informed Capital One of my issues. Still to this day, no access, no statements, nothing of my own, yet I am STILL receiving someone else 's personal information, statement, balance, etc. and Capital One does nothing. I made a payment today, XX/XX/2019 after calling in again for the second time this week and being instructed on XX/XX/2019, by the supervisor I spoke with to call back on XX/XX/2019 and check the status of the account as their should be a resolution by then. The supervisor also informed me when I inquired about a payment that once the status of the account is updated, they can then take a payment. Fast forward to today, XX/XX/2019, I called in again to check the status and was transferred 5 times only to get a representative who stated she is only showing that I am unable to access my account. NO, I no longer have access to MY personal information and when attempting to regain access, none of the retrieval methods work, even when Capital One attempted to gain access on XX/XX/2019. The representative stated she can send an email for someone to call me, which they have done so many times now, and I never receive a call back. She also stated that to avoid further fees and negative reporting, I should make a payment, which I di and had no problem doing so. But here 's the thing, AFTER doing so, I was told it may not apply to my account??? WHAT?! My account is locked so they are unsure where it will post as they can't issue me a new account number due to the account status. So of course the account status is still out there in cyber space somewhere and I still have no access to my account whatsoever, but I do have access to someone else 's account. That sounds like a breach in Capital One 's system to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX assisted in my name and credit report being used fraudulently by violating the following FCRA code. 

FAIR CREDIT REPORTING ACT SECTION 604 U.S Code 1681b- ( b ) ( 2 ) ( ii ) The consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

SEE ATTATCHED
Product: Mortgage

Suffered from a died in lieu of foreclosure. Communication with Wells Fargo was awful around XXXX and they claimed it could only be done via snail mail. No email, chat, phone, etc. it was brutal and not timely at all. Tried to do a short sale on several occasions but was never successful, eventually after years of trying to unload the home we had to settle with a sheriff sale. WF told me it was only a deed in lieu of foreclosure and wouldnt be reflected on my credit as a foreclosure. But several months later it appeared on my credit as a foreclosure. After being a customer with WF for over 10 years ( XXXX ) I elected to move on from them and find a different bank.
Product: Checking or savings account

Synchrony bank restricted my account for trying to withdraw my own money now my account is wrongfully restricted with XXXX sitting in it which I need to purchase a house, they restricted my account onXX/XX/XXXX  and still have not provided a valid reason
Product: Debt collection

XX/XX/XXXX, I bought a XXXX XXXX XXXX from XXXX XXXX XXXX. It was financed by Exeter Finance ( TX ). My note was {$400.00} a month. By XX/XX/XXXX, the XXXX was repossessed ; then sold to someone else. My last ( {$400.00} ) payment was around XX/XX/XXXX. XXXX months of nonpayment is {$1200.00}. Not {$5000.00}. Simple math. Accurate information. My account was closed by Exeter, filed with XXXX credit bureaus ( XXXX, XXXX and XXXX ), and now being pursued by debt buyer XXXX XXXX based on false information. The ( {$5000.00} ) amount owed is wrong, not true. Credit bureaus, especially XXXX, never categorized it correctly on my report. It was never reported or filed as a vehicle repossession. Ive made several attempts ( submitted many disputes with supporting documentation ) from XXXX to have it updated or removed. XXXX picked up on my falsely reported and classified ( {$5000.00} ) account in XXXX, I think. Recently, I filed another dispute. Credit bureaus and XXXX keep moving the goal post. Now this verified and updated account is dated XX/XX/XXXX. So itll be another XXXX years before it comes off?! If I shut up and dont challenge them then itll stick and just be on my report until XXXX?! Thats XXXX years since I bought the car. It will be XXXX years since the XXXX was XXXX and sold to someone else. Thats insane!! This is harassment!! Isnt this breaking or violating a law?! Predatory lending and collection practices. Discrimination. XXXX sure not all repossession accounts are handled like mine. Credit bureaus are determined to let false reports, records, and debts negatively impact my credit score. For a while, my credit score was almost XXXX. Now I cant possibly finance a home with my current credit score or this stain on my credit report. Due to these false claims and financial predators, my credit has dropped to XXXX, according to XXXX. Theyre attacking my credibility! They keep their foot on my neck with frivolous charges! Just cant get to a XXXX XXXX XXXX ; regardless to what I do to counteract this {$5000.00} lie! XX/XX/XXXX, I bought a car. XXXX still paying on it. My XXXX XXXX averaged XXXX while I was in college with a newborn. Now my outlandish student loans are being addressed and have been updated steadily for the last year. But this random, inaccurate {$5000.00} car debt is still on my credit report?! XXXX years later?! Nothing has changed in XXXX years. This SHOULD NOT be allowed to happen!!!
Product: Student loan

1. Fedloan Serving failed to inform me that upon being enrolled in an Income Based Repayment plan that interest would be capitalized on my account and that my balance would increase by more than {$15000.00} as a result. This occurred on or about XXXX/XXXX/2016. I complained to CFPB around that time and NOTHING has been done to rectify this. My balance shot from $ XXXX to $ XXXX overnight, even after making payments on the account for over a year. 

2. I had been working XXXX jobs in 2016 and lost XXXX of them in XXXX 2016. I now only work part-time and subsequently requested that my payments be lowered based on this significant loss of income. Fedloan Servicing has refused to adjust my payments even though my income has been decreased to only around XXXX of what it was prior to losing the XXXX job. The last communication I received from Fedloan Servicing about it, I was told that I had to fully re-apply for IBR in order for them to re-calculate my monthly payment amount, even though I had just been enrolled in the IBR plan REPAYE less than three months earlier. Of course, after the fiasco I described above in point No. 1, I now know that they are requiring me to re-apply so they can again capitalize the interest on the account to further increase my balance! At this rate, with Fedloan Servicing using every tool at their disposal to increase my balance at every turn, I WILL NEVER BE ABLE TO PAY THIS OFF!
Product: Credit reporting or other personal consumer reports

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

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

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

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

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Company responded STATUS Company responded on XX/XX/2023 RESPONSE TYPE Closed with explanation Company 's Response Due to this dispute, we have removed this account from the consumer 's credit report. The account is still open in our office. The consumer is free to contact our office to discuss what they believe is incorrect about this balance/account. 

Feedback provided STATUS Feedback provided on XX/XX/2023 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS This is still reporting on my credit report under XXXX XXXX XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS This is still appearing on credit report. Please delete from credit profile THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS Did not delete from credit report What happens now? 


Company agreed to delete still showing on my credit report has been over 14 days Still reporting on TransUnion under XXXX XXXX XXXX Last reported XXXX XXXX, 2023 XXXX XXXX XXXX  Last reported XXXX XXXX, 2023 XXXX XXXX XXXX Last reported XXXX XXXX, 2023
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX/XXXX/2024 XXXXXX/XX/XXXX XXXX/XXXX/2024
Product: Credit card

HI hope you doing well! 
I am XXXX XXXX of XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX and seeking help with American express I have been an American express customer since XXXX The first problem I encountered was when overpaid my " Card XXXX " of {$160.00} They wo n't refund me the difference saying it was my mistake. 
This letter is n't about that but rather about recent phone calls trying to setup online payment for a new Amex credit card XXXX with a different bank account I have been refused monthly statements and online access. 
America express does n't seem to have specific department to file a complaint They seem to only allow phone conversation for which customer are n't told Amex agent name And once they hang off the phone it is impossible to track down the issue since Customers are n't given the extension number of American express agents So, the customer does n't have any record of that conversation for future reference or as evidence in case of dispute. 
The only way is to record it with a device but would need to get transcribe in order to be use as evidences. 
Eventually it resulted in hours of conversation for no result at all I have been calling them every month for the last 15 months with absolutely no result Asking for credit Card statements and never received XXXX single statement ever since I applied for the new card. 
American express is n't in compliance with Credit CARD Act " XXXX " Section XXXX requires card issuers to establish reasonable procedures to ensure that periodic statements are delivered at least 21 days before the payment due date. In addition, an issuer can not treat a required minimum periodic payment received within that period as late for any purpose I tried to ask access to online statement but never been able to get someone to get me access for my new Card " 15 months old now " Not having any statement or the physical card it makes it impossible to pay the balance with another account which I wanted to do as soon as the interest rate went up It might a way to keep the customer out, so the customer wo n't be able to complete payment transaction and they think that would justified an increase of their interest rate as consequence.???? 
" It is like paying the rent for an apartment and not been given the key to get into the place. '' On Thursday and Friday XXXX XXXX XXXX I spent a total of 3 hours on the phone with American Express After which still do n't have access to my account and as a result prevented from making payments and to see monthly statements. 
I am not longer seeking another phone conversation with American express I would like to have a written conversation instead An address for my to file the claim Thank you very much Looking forward to hear from you Regards, XXXX