23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted XXXX XXXX Apartments for verification of inaccurate debt. The property manager responded she did not have any details on the matter and referred me to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX # XXXX XXXX, GA XXXX. 
I contacted XXXX XXXX XXXX who also stated they did not hold any collections accounts to contact XXXX XXXX XXXX XXXX. 
XXXX, FL. XXXX I contacted Hunterwarfield on XX/XX/XXXX, which has not been able to provide me with any details or verification of this debt. 
I submitted a dispute with XXXX over the phone on XX/XX/XXXX. 
XXXX responded with a letter stating the account has been verified as accurate. The information is inaccurate and I am requesting for it to be deleted from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraud alert was placed on my credit bureau profile, without my request and now resulting in no credit report found, as if I don't exist with Equifax. 
A fraud alert was placed without my authorization or request on XXXX  as well. 

I have NEVER requested this and demand it be removed at once.
Product: Credit card

I have requested multiple Goodwill Adjustments with AAFES, in regards to my late payments. The late payments on my credit report were during times when I was XXXX on Louisiana State Emergency or conducting training in the fields at XXXX in XXXX, LA, and I was in areas that made it impossible to contact them. I submitted and attached my orders and AAFES/Military Star Card ( a company supposedly for the military ) who refuse to do so which also violates Congress Legislation S.1249. I have made several attempts to have the late payments removed each ending with rejection. 

Thank you
Product: Credit card or prepaid card

We have a Citi thank you XXXX Master Card. We do not receive paper statements and use the Citi Mobile app to access account information. Up until recently, the app worked fine. We were able to view account activity and always paid in full, on time. 

In XX/XX/2021, I needed to call Citi to request a fee waiver. We incurred a late fee because the app was giving a consistent error message, stating Having trouble signing in. Please try again. We were not able to access our account and did not know it was overdue. Citi approved the waiver in the amount of {$13.00}, and we paid the remainder of the balance due. 

The same issue occurred in XXXX and we were assessed a late fee and interest totaling {$29.00}. I immediately called Citi, paid the full balance of our purchase and asked for the late fee to be waived because of the same difficulty with the app. I was told that they would not waive the late fee because it was already waived once for us this year. 

We are requesting that Citi waive the {$29.00}. Once our account has a zero balance, we want it closed. 

We feel that Citi has barriers to access our personal account information. Please note that the wording of the error message on the app stated Having trouble signing in. Please try again. It did not state that my username or password was incorrect. After receiving the error message multiple times we attempted to resolve it using the Having Trouble Signing On tool in the app. We provided all the necessary information only to get a message stating Unable to Verify. We should not be required to expend a significant amount of time to obtain our account information, only to be assessed an exorbitantly high fee if we are unable to.
Product: Prepaid card

I was did not have access to my XXXX XXXX XXXX XXXX pre paid card XX/XX/XXXX Through XX/XX/XXXX. I experienced hard during this time frame and sent a request to boa IRP. The administrator for this program keep emailing me for proof that I experienced harm and hardship during this time frame which I have sent. They are delaying the process by keep asking me for the same information that I have sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously held a checking account with XXXX XXXX XXXX XXXX XXXX, and overdrew my account. I have since paid the debt in full with there attorney. However they did not accurately report that this debt has since been paid in full as of XX/XX/2017 and it's still reflecting with ChexSystems which will not allow me to open accounts at other financial institutions. Please correct immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the XXXX and TransUnion Credit Bureaus dated XX/XX/2022 to delete these pieces of erroneous information. I think you have not validated these accounts in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX, and I'm including it again : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I had 7 fraudulent charges on my Wells Fargo Bank account in which someone got my bank/debit card number. I called Wells Fargo to report the fraudulent charge and close my debit card down. Wells Fargo credited my account for the charges while they were processing their claim. Now Wells Fargo send me a letter stating they'd completed their claim processing and said the charges were made by me. I did NOT make these charges. I have no products/services in my home nor receipts for such products. Wells Fargo sent me a letter stating they would deduct the total of the charges ( XXXX ) from my account. These are fraud charges. I am the victim. 
I requested Wells Fargo to send me the documentation they used to make their determination. They told me it would take 30 days for me to get this documentation. That is too long. The fraudulent charges are listed below : XX/XX/XXXX XXXX XXXX XXXX XXXX  {$5.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX {$12.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX {$2.00} XX/XX/XXXX XXXX XXXX CA {$47.00} XX/XX/XXXX XXXX XXXX CA {$77.00} XX/XX/XXXX XXXX FL {$4.00} XX/XX/XXXX XXXX  FL {$6.00} The fraud charges total {$150.00}. These charges are on my XX/XX/XXXX bank statement. Wells Fargo indicated in their letter they were going to take {$160.00} from the affected checking account. Why is Wells Fargo attempting to make me responsible for a criminals theft of my bank debit card and took money from my account? I have no receipts for XXXX products or any of the other products listed above. I did not buy the products/services above. A criminal did. I WAS THE VICTIM HERE. I WANT WELLS FARGO TO BE INVESTIGATED REGARDING THIS MATTER. I DON'T WANT TO HAVE TO PAY FOR WHAT A CRIMINAL STOLE FROM MY CHECKING ACCOUNT ... ... ... ..MY HARD-EARNED MONEY THAT I GO TO WORK FOR EVERY DAY TO EARN.
Product: Payday loan

On XXXX XXXX, 2016 I applied for a loan online, for {$400.00} through Big Picture Loans. After applying and being approved, Big Picture Loans sent me an email with the disclosures that were not available prior to applying. The details state that an APR of 1018.7613 % is being charged, making the total fees {$1800.00} for the loan. To date I have made XXXX payments of {$140.00}, and the principal of my loan is still at {$400.00}. I have paid back {$560.00} as of XXXX/XXXX/2016.
Product: Student loan

There are 14 payments that have not been qualified for the PSLF program. I have asked more via website message for this to be updated. 

Further, I was not provided with a payment statement 21 days before my XX/XX/XXXX  payment is due. Nor was I notified of the date that interest started accruing again. I only knew that it was happening because I logged on to my account to check the PSLF status and looked at the amount due.
Product: Credit card or prepaid card

Wells Fargo closed my card without notice last XXXX XXXX They gave me no opportunity to pay any balance due and charged off on their own {$470.00} on XX/XX/2021. They immediately started reporting this to the Credit Bureaus as a charge-off. To reiterate, I was given no opportunity to cure on a card I spent about $ XXXX a month on - paying off constantly. 

To add fuel to the fire, the {$470.00} charge off amount had turned into multiple requests from Wells Fargo asking me to pay a balance due of {$1300.00}. Evidence is attached - the numbers do not lie. Why would the number be inflated? 

I appreciate resolution on this matter.
Product: Money transfer, virtual currency, or money service

on XX/XX/year> i purchased movie tickets with my cash app card, almost {$100.00} and i wanted to cancel the tickets that same night. i was told they couldnt cancel and i should call in the morning. when i called in the morning, the manager told me he cant refund my tickets and to dispute it with the bank i used.

when i filed a dispute they did not give me my money back, i asked for further investigation and they said there was nothing to be done and that i will not receive any money back for the service i did NOT use.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have stated before for the nth time that these accounts below are not mine. The mere fact that you guys there at Experian are ignoring my complaints all the time makes my head spin. I dont know what to do anymore. I already talked to the furnishers and they agreed to not report the accounts from my file. FTC has been served already but Experian is really hard-headed when it comes to my complaints. Please comply with FCRA section 605B and DELETE these accounts AS SOON AS POSSIBLE! 

XXXX XXXX, XXXX XXXX
Product: Debt collection

Rent Recovery Solutions open XX/XX/XXXX for XXXX. The original creditor of this debt is XXXX XXXX XXXX. Never received notification of this debt until it showed up on my credit report. This debt was created by the mishandling of funds I was court ordered to pay my ex during the divorce. She was court ordered to use this money for rent and chose to use it other things to purposely put me in a debt situation. I submitted the court degree to the original creditor but the disregarded all proof. When they would not correct the mistake I hired XXXX XXXX to dispute. In XX/XX/XXXX this account fell off my credit after dispute and removal put has now been added back to my  report.
Product: Credit reporting or other personal consumer reports

I demand that you immediately remove and delete all addresses from my credit report except for XXXX XXXX XXXX, XXXX, MI XXXX, which is the only address I am associated with. There should be no other addresses listed under my name. Take this action immediately and without delay. 

Failure to comply with this demand will result in further escalation. I expect confirmation of this update o

n my credit report within four business days. Additionally, I am filing this FTC Identity Theft Affidavit to report fraudulent accounts placed on my FICO credit report without my consent, following a data
breach. These accounts were fraudulently opened in my name, and I assert my rights under 15 U.S.C. 1681c-2. Fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 request removal of all unauthorized hard/soft inquiries and fraudulent accounts. 

Please take immediate action on this matter as required by law, and provide confirmation of the updates to my credit report within four business days.
Product: Debt collection

XXXX XXXX took this off my credit in XX/XX/XXXX because it was identity theft, It was placed on Lnvn Collections in XXXX of XXXX. I asked them to send me a copy of contract they sent me an affidavit. I want this account removed from my XXXX because XXXX and XXXX removed in XXXX of XXXX because this is not my account, I have sent XXXX letters and they keep saying verfied with no proof, I sent them ftc report dated back in XXXX and police report and still have not taking off my credit report.
Product: Credit card or prepaid card

Visa vanilla card has refused to credit back a return started on XXXX from XXXX who has confirmed that they have already sent the funds back to visa. For the past week visa has been lying to me about when the funds will be available its already last the days they have for the refund to process. I called today and spoke with a very nasty representative who refused to transfer me to his supervisor telling me they the supervisor would tell me the same thing and that it would be an additional 7 business days for my refund to credit back to the account.
Product: Credit reporting or other personal consumer reports

On 08/20/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about XXXX XXXX XXXX I paid this card off in full it has a {$4800.00} credit line. I have repeately asked that this card report to all 3 credit reporting companies as it is in excellent standing and paid in full within 2 years. I was told numerouos times they ( XXXX XXXX ) reports every 30 days. It's been over the 30 days and it is still not reporting I just checked all 3 of my credit reports. I've called numerous times and just keep being told it's reporting. But it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not access my Experian account. One day when attempting to log in I was prompted that my username and/or password was incorrect.

I selected the forgot username option and was Sent my username to the email address that I used to create the account. I then attempted to reset my password with the username sent from experian and it is saying that the username is not attached to any account, yet it is the username I only know and that they emailed me.

I sent an email no response, I called and only automated answers that can not help My situation.
Product: Debt collection

XXXX XXXX XXXX  is reporting on my credit report an account that is not mine, saying that this account was being paid from XXXX to XXXX, I contacted them and asked them more than once for an account verification, as well as proof that those payments were made by me, they have never provided me with account verification and they refuse to speak just saying that the account is mine and that I must pay it, I have been disputing this account for over a year, and Transunion only says that the XXXX XXXX XXXX says the account is correct, without asking or verifying if the account is correct, XXXX XXXX XXXX must provide correct account verification to Transunion and the other credit bureaus, and only report false information and the Transunion only accepts what they say, unverified, I have had an excellent payment history in the last 6 years, and XXXX XXXX XXXX XXXX is damaging my credit with false information, Transunion is part of the game of XXXX XXXX XXXX they just believe what collection agency says, Transunion asked me verified the account like not mine, but there is no way i can proof sometime is not mine
Product: Student loan

Hi, I have student loans with My Great Lakes.

Their website says that they offer statements in PDF form, although the only way they are capable of doing that is through the mail. 

I requested past statements on CD 1 year ago, and they sent them. Almost 4 months ago, I again requested past statements on CD. 

They gave me endless reasons of why they are capable of doing so, but refuse to do so. And then, recently, they decided to stop all paper communication in the mail, despite clearly acknowledging in writing that they would continue paper statements, send past statements on CD, and send future statements in both paper and CD Format. 

So now, perhaps as retribution, I have neither paper nor PDF statements. 

The only email with a name was signed XXXX, from Customer Experience Response Team.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX  XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance XXXX {$0.00}.
Product: Bank account or service

Beginning XX/XX/XXXX and into XX/XX/XXXX, my account was fraudulently and repeatedly charged a large sum of money over the course of a month by a company called XXXX. On XXXX XXXX, I filed a unauthorized charge claim with Chase and was denied because I had logged into my account a number of times during the month of XXXX. I noted to the claims specialist that I had n't noticed the charges earlier until the largest fraud occurred and only logged on to pay my credit card bill. Because I had logged on during the month of XXXX, my claim was denied. I asked to appeal the claim because it was fraud. Chase never even investigated the claim with XXXX and I was stiffed out of money that is rightfully mine. Upon hearing the decision, I asked to appeal the decision and was rudely treated by their claims agents who could seemingly never connect me to a claims specialist, despite my repeated attempts at contacting the company. In addition, I was told I would need supporting information that would state that I did n't make these online transactions to even have a chance at overturning the ruling. How am I supposed to have information saying I did n't make these transactions if I did n't make the purchase? This is easily the worse customer service experience I 've ever had.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I filed a formal notice that XXXX  XXXX XXXX claim is disputed date opened is incorrect, the high credit is inaccurate, late payments XX/XX/XXXX inaccurate, account number inaccurate. 

2. I filed a formal notice that XXXX XXXX  claim is disputed, claim the date opened is incorrect, the high credit is inaccurate, late payments XXXX  XXXX inaccurate, account number inaccurate, no. of months ( terms ) inaccurate, account type.

3. I filed a formal notice that XXXX claim is disputed, claim the high credit is inaccurate, the last reported date inaccurate, late payments XX/XX/XXXX and XXXX  XXXX inaccurate, account number inaccurate, balance inaccurate. 

4. I filed a formal notice that XXXX XXXXXXXX XXXX XXXX XXXX claim is disputed claim the account type is incorrect, the high credit is inaccurate, late payments XXXX and XX/XX/XXXX inaccurate, account number inaccurate. 

5. I filed a formal notice that XXXX XXXX claim is disputed the high credit is inaccurate, the last reported date inaccurate, late payments XX/XX/XXXX inaccurate, account number inaccurate. 

The credit companies XXXX XXXX, Transunion are not compiling with their own policy in a timely manner. My letters were unaddressed within 30 days of their policy.
Product: Checking or savings account

Subject : Replacement of CFPB Complaint ID : XXXX To Whom It May Concern, Please see the attached documentation, which supplements and replaces the previously submitted CFPB complaint with ID : XXXX, dated XX/XX/year>. 

This updated submission provides additional details and supporting evidence to clarify and strengthen my original complaint. I kindly request that this new filing supersede the prior complaint for purposes of your investigation. 

Thank you for your attention to this matter. Please confirm receipt of this submission and inform me if further information is required.
Product: Credit reporting or other personal consumer reports

It has been over 30 days since I've sent a dispute letter to this agency to investigate incorrect information on my consumer report. This agency has yet to notify me of any investigation results when it is clearly known and understood that a credit reporting agency must notify as consumer of this information within 30 days. This negligence has greatly affected my ability to engage in commerce.