23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Ally financial keeps flagging my account as charge-off bad debt too many times and only supposed to do it once. Also did not contact me with up to date information about the vehicle that was repossessed going to an auction and being sold nor did they come up with a payment plan or agreement. They were supposed to sell the car XX/XX/XXXX and let me know what the next steps were and here it is XX/XX/2024 and I still have no update on anything. But they find ways to keep reporting on my credit illegally.
Product: Checking or savings account

On XX/XX/XXXX, Citibank charged a deceptive overdraft fee to my account. My checking account never displayed a negative balance on XXXX XXXX and Citibank is claiming so. Money was refunded to my account on XX/XX/XXXX, and a bill was paid. Today on the XXXX I see another overdraft fee on my account and they returned the bill to merchant. 
I called them several times and they denied all of this. I requested my overdraft fee back as I told them this is a fraudulent practice they are doing. They backtrack and claim my account had a negative balance which isn't so and claimed a payment came through. It never happened when I checked my account from the XXXX XXXX and there was no negative balance. Citibank is lying and stealing customers money when using this tactic. 


They had done this a couple of days ago but fixed the problem. Their system delays deducting money out of your accont, and customer continues to purchase thinking the displayed daily amount is accurate. This is how Citibank tags customers with these deceptive overdraft fees for debit card.
Product: Debt collection

Debt appeared on my credit report on XXXX for {$470.00}. I do not know this debt and was not notified before going on my credit report. This is a violation of the law, and I am demanding that I be paid {$1000.00} per occurrence and removed from all three of my credit reports.
Product: Debt collection

I have been getting harassing phone calls to pay a debt that did not belong to me. I received a letter in the mail from a collection agency that stated I received a ticket for failure to stop at a red light in a city I do not drive to. One, the letter is in the name of someone I do not know, two, the incident took place at a address and city I have not been to before, and third, the ticket it for license plate that is not that of my car. Please help me rectify this situation, because I do not what this to effect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian took more than 30 days with dispute
Product: Credit card or prepaid card

XXXX just totally refuses to properly launch an investigate on XXXX BY XXXX improper charges on customer master card. 

This request letter is being generated due to an ongoing issue with XXXX XXXX 's vending machine charge. On or about XX/XX/2022, I traveled through XXXX XXXX XXXX to XXXX. I experienced the above-referenced XXXX XXXX vending machine problem at the XXXX XXXX XXXX XXXX The machine did not disperse the selected item. As a result, I am attempting to reverse that transaction charge on my Capital One credit card. It is important to note that no consumer should be expected to pay for an item they did not receive. This type of transaction goes against fundamental consumer rights and is intolerable. 
Also, note, I attempt to contact another XXXX rep from a second phone number XXXX displayed on the machine but at that time this number was not staffed and required that the customer leave a message. At which time, I did. 

I called a XXXX representative at the XXXX number that was printed on the XXXX vending machine. The XXXX representative said she couldn't " disperse '' my money at that time but will investigate it more. I didn't provide the XXXX Representative any other means of contact at that time. She told me to wait a couple of days and keep an eye on my bank account for any activity pertaining to the vending machine purchase. The credit on my Capital One account has not changed, and there is no sign that the problem will be remedied due to not getting the item charged to my credit card, I requested from the XXXX vending machine. I am requesting that Capital One investigate this matter and return a full refund for {$27.00} to my Capital One credit card ending XXXX. 

Affixed to and made a part of this request letter is a copy of the travel itinerary XXXX XXXX, which has a total of three pages, and an image of a phone call log for calling the XXXX vendor operator at XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

I am confident that the vendor machine purchase will be reversed successfully upon a complete investigate of this matter. If you have any questions or concerns, please do not hesitate to reach out. Thank you for your attention to this matter.
Product: Debt collection

Ive notice a collection reporting on my credit report in XXXX and I sent out a debt validation letter on XX/XX/2020. I never gotten a response to that letter. The debt that has been reporting has never been verified to me and I would like for it to be removed from my credit report. The company has never contacted me to advise me of any debt.
Product: Money transfer, virtual currency, or money service

Hi, This complaint is a continuation of the previous complaint XXXX, against Coinbase. 

The account was made available to me for just a few days and was locked again. Since I opened the account with coinbase, earlier this year, it has been under review most of the time with no reason provided at all. 

I have opened about 20 support tickets and most of them were closed within a week ( may be automated ) without resolving the issue. 

I will continue to complain here until problem is fixed permanently and provide a valid reason why Account remains under review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not minI ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine! e!
Product: Checking or savings account

On XX/XX/ I deposited XXXX check into my Wells Fargo checking account. I was given a small portion of the check upfront and was told the rest would be available the next day. The check was a available the next day, then the money disappeared from my account. After panicking I called Wells Fargo and was told the money will be held for a week and the reason I was given was previous overdrafts on my account. This caused me great harm not being able to show proof of funds for a home and ultimately loosing the bid as well being late with a bill. Wells Fargo was sued because of these practices I believe I should be compensated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently applied for credit at Citibank. A letter of decline dated XXXX XXXX, 2019 was received. Application ID XXXX. Letter states reason for decline was based in part or whole based on XXXX  credit report. Contacted XXXX  and was informed that the information Citibank used in the letter was not obtained from them. Contacted Citibank and informed them of XXXX XXXX   response, and was told they had no credit representatives to speak to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been challenged and I got no answer back. I really trying to get this information up to date so that I can move forward with my financial journey 1. Date Of Last Activity reporting false and inaccurate data XXXX FIN Account Number : XXXX delete this account because the information is showing wrong data 2. disputes accounts status XXXX Account Number : XXXX delete this account because it is reporting false data account is closed and should be gone XXXX please validate as I believe you are in violation of my rights XXXX XXXX Account Number : XXXX delete this account because it is reporting unverified information - Send Proof - please send proof of proper investigation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX account number XXXX is not my account. No Validation of this alleged debt has been providing in accordance with 15 U.S. Code 1692g - Validation of debts. I have disputed this with the other agencies ( XXXX and XXXX ) and all have removed this unvalidated account from my report except Transunion. Please remove account immediately as this is hindering me from obtaining other credit and reaching financial goals.
Product: Mortgage

I am owed my escrow balance from the sale of my home in XXXX XXXX, which was completed on XXXX XXXX, 2024. I have yet to receive any payment back. I have called multiple times and am continue to be to told that it is in the mail. I have had them stop payment and reissue my refund check yet nothing has arrived. 
I called to get status today and they hung up. I am owed my refund of {$4500.00} dollars and interest on that money as it continues to sit with them with no recourse for me, the rightful owner of said funds.
Product: Student loan

On XXXX, XX/XX/2023, I attempted to contact Nelnet about questions regarding my student loans. They do have a lot of information on the website, but not exactly what I was looking for. I waited on hold for 50 mins and was unable to talk to anyone. Today, XXXX, XX/XX/2023, I called again and waited 2 hours and 5 mins without being able to get ahold of anyone. I emailed them through their system which says that emails are extremely delayed and it may take a long time to receive a response, I have not received one yet as of this complaint. I am now back on hold on the phone and its been 24 mins without an answer. I keep hearing recordings saying I should find my answer online, yet its not clear on their website about the question I have. I do not have the time to sit on the phone on hold without getting anyone to speak to me when I have a loan payment coming up. It has been terrible customer service. I understand I am not the only person suffering this due to all loans coming out of forbearance at this time, but I need to speak to someone. I dont know how else to resolve this as Ive made several attempts.
Product: Credit reporting or other personal consumer reports

In XXXX I cosigned two XXXX student loans for my granddaughter ONLY on the condition that the loan but deferred until her graduation year. which would have been XXXX. Which we both agreed would be the best option as she and I are low-income. Unfortunately, she had to drop out due to unprecedented circumstances during covid therefore the full amount she was approved for was not disbursed to the college. However, we did not receive an updated approval disclosure for either the loan of the adjusted amount owed or the adjusted Estimated Repayment Schedule and terms. Only notice stating that XXXX 's loans would go into repayment that same year. Nevertheless, from what I read from the Promissory note and Application I read, I ONLY gave the company ( XXXX XXXX Loans ) my permission to pull my credit to check my credibility and financial credit history. However, recently it has come to my attention that all XXXX credit bureaus ( Experian, XXXX, and XXXX ) have been entering lots of inaccurate and false information including late payments pertaining to those loans on my credit report with my written consent. This violates USC Code 15 U.S.C 1682 a.1.a AND 15 U.S.C 1681 ( B ).
Product: Debt collection

I am writing to dispute the actions of Credence Resource Manage in violation of the Fair Debt Collection Practices Act ( FDCPA ), specialty under 15 usc 1692c ( c ). I request your assistance in addressing this matter promptly. 

On XXXX I informed Credence Resource Manage that i refuse to pay the debt they are attempting to collect and to please stop contacting me. Despite this notification, Credence Resource Manage has continued to engage in communication with me regarding the debt. These communications have included phone calls, letters, and etc. 

As per 15 USC 1692c ( c ) of the FDCPA, if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication with the consumer.

Credence Resource Manage 's failure to adhere to this provision is a clear violation of my rights under the FDCPA
Product: Credit reporting or other personal consumer reports

There are billing issues on my accounts and should be removed. U.S. Code 1666b states that a payment should never be considered late for any reason.
Product: Credit card

On XX/XX/year>, at approximately XXXX I applied for a credit card product, Chase Sapphire Reserve , through the JP Morgan Chase online portal. I previously had a checking account with the bank so I still had a login. The company advertised that I had a XXXX bonus sign up that I had been approved for. I applied and was approved for the card. 
On Wednesday XX/XX/year> | called the bank after activating my card to ask about the minimum spend to reach the bonus points. I was informed by a representative that bonus points were not listed on my account. She mentioned that I should have received a pop up notification informing me of this. I never received such notification. She listed it as if I had received the pop up on the Chases internal ticket/complaint escalation. This was escalated and a ticket was submitted.

On Friday XX/XX/year>| called back to see if there was a follow up on my account. The ticket had returned that I would not receive the bonus offer. I am completely in line with Chases policies to receive a sign up bonus as l have never applied for ANY of their cards prior. They advertised a product in which I had a credit check for on my credit report now and would not be compensating me with what I had been promised. I cancelled my account due to this. The original offer was a XXXX bonus points after {$4000.00} of spend within 3 months. To be eligible I could not have gotten another Sapphire bonus from Chase in the last 48 months. After getting this confirmed from the retention specialist I called on Friday the XXXX they still did not offer me what had been advertised to me at the time of applying.
Product: Checking or savings account

All accounts of restriction?? XXXX acct. Tried since early XX/XX/2024. Keep on getting run around. Can not verify info?? Teels me phone @ # incoorect., But thuse a different Co to verify. HAVE XXXX ACCTS ALL LOCKED Other accts also locked XXXX locked up No file sent by Marcus Bank
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to assure Equifax, complies with Federal Law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked as inaccurate : XXXXXXXX XXXX XXXXXXXX Acct # XXXX As per report Not more than two payments past due. No specific dates provided. 
XXXX XXXX XXXX 30 Days Late XX/XX/XXXX ; 60 Days Late XX/XX/XXXX XXXX XXXX XXXX As per report : At least 120 days or more than four payments past due. No specific dates provided. 
XXXX XXXX XXXX Acct XXXX XXXX 30 Days Late XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX  Acct # XXXX 30 Days Late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXX - Acct XXXX XXXX 30 days past due XX/XX/XXXX XXXX XXXX  XXXX Acct # XXXX 90 Days XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX As well as Inquiries : XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Even previous addresses showing in my Equifax Reports are incorrect as I have never lived in : XXXX XXXX XXXX, XXXX, WI XXXX - XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX - XX/XX/XXXX
Product: Debt collection

I paid this debt in full three and a half years ago and its still reporting on my credit report. It's hindering me from getting credit. This issue was resolve and had to be resolved before I can get another apartment.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted ( Experian about the following negative accounts XXXX XXXX Bankruptcy ( Date Filed/Reported : XX/XX/XXXX, Reference # : XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$32000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old information on my credit report XXXX XXXXXXXX is still report is supposed to be removed this XXXX it is still appearing on my report. Same iss for XXXX XXXX XXXX XXXX it still shows on my credit report.
Product: Checking or savings account

XX/XX/XXXX i received an ach deposit to an closed account with chase bank i called XX/XX/XXXX to have the funds rerouted to my open account I was instructed by chase specialist over the phone to go into a branch and verify my identity so the funds can be rerouted. I go in the chase bank in XXXX, Mi on XXXX XXXX XXXX and they tell me I have to wait XXXX days before I even know what they are gon na do with the funds.No one at the chase branch or the customer service over the phone can help me
Product: Debt collection

Check issued to Bonneville Collections in Utah. Check contained conditional endorsement & a full pay. The exact amount that was my credit report. They were contacted to report/update they have refused since XXXX 2015.
Product: Debt collection

The following is the email I received this morning CASE FILE # XXXX LOAN INFORMATION DUE AMOUNT- {$990.00} LOAN COMPANY- USA FAST CASH You are going to be legally prosecuted in the Court House within couple of days.. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with Payday Services. At this point you have made your intentions clear and leave us no choice but to protect our interest in this matter.? 


XXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONS AGAINST YOU UNDER THE DEBT COLLECTION PRACTICES Act, SECTION XXXX AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) AND THE BIGGEST ONE IS E.F.T. THAT IS ELECTRONIC FUND TRANSFER Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 24 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. 


WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYMENT AND BANK ABOUT FRAUD. 


And once you found guilty into the court house than you have to bear the entire cost for this law suite {$5400.00} which is excluding loan amount, attorney 's fees, and the interest charges. You have the right to hire an attorney. If you do n't have one or if you ca n't afford then XXXX will be appointed to you. We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact our recovery asset location department at XXXX between XXXX to XXXX ( EST ). 


IF YOU HAVE ANY QUESTION OR QUERIES PLEASE FEEL FREE TO CALL US BETWEEN WORKING HOURS ON : XXXX USA.FAST CASH LEGAL GROUP OF ATTORNEYS XXXX Copyright ( C ) XXXX - XXXX USA.FAST CASH | Privacy | Terms of use