23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Took out credit interest free for 18 months with Wells Fargo through XXXX for a couch on XX/XX/XXXX. The first bill was due on XX/XX/XXXX for {$55.00}, I paid on XX/XX/XXXX {$100.00}. The second payment was due on XX/XX/XXXX for {$55.00}, I paid on XX/XX/XXXX {$100.00}. The third payment was due on XX/XX/XXXX for {$55.00}, I paid on XX/XX/XXXX {$100.00}. The fourth payment was due on XX/XX/XXXX for {$55.00}, I paid on XX/XX/XXXX {$100.00}. The fifth payment was due on XX/XX/XXXX for {$55.00}, I paid on XX/XX/XXXX {$100.00}. The sixth payment was due on XX/XX/XXXX for {$55.00}, I paid on XX/XX/XXXX {$60.00}. The seventh payment was due on XX/XX/XXXX for {$55.00}, I paid on XX/XX/XXXX {$100.00}. The eighth payment is due on XX/XX/XXXX for {$55.00}, I paid already on XX/XX/XXXX {$100.00}. As you can see I pay early and for more than the monthly payment. I have had to contact Wells Fargo every month starting in XXXX to have them " correct '' the incorrectly posted XXXX payment that they stated they received too early and didn't post as the XXXX payment. Every month I'm told they will reverse the late charge they try to charge me and fix my account. They have done this since XX/XX/XXXX and every month I receive a statement where they reverse the late fees and attempt to charge them again. I have been transferred to their " corporate response team '' since this affects my credit as well and again have been told twice verbally and in writing that they have corrected the problem. Yet still I continue to received statements trying to collect a late fee. I feel harassed and don't know what to do to get this resolved. It makes me wonder how many people they do this to and how many people just pay it to get rid of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITTING THIS DUE TO NON-COMPLIANCE WITH THE F.C.R.A. BY XXXX, XXXX  AND EQUIFAX. 

THEY ALL HAVE FAILED TO REMOVE TWO TRADELINES FROM MY CREDIT REPORT. THE TWO TRADELINES ARE XXXX  XXXX XXXX  AND XXXX XXXX. 

I HAVE SUBMITTED CERTIFIED DOCUMENTS TO PROVE THAT BOTH TRADELINES ARE INACCURATE, INCOMPLETE AND ERROUNIOUS. 

ALL OF MY CORRESPONDENCE WAS SENT VIA CERIFIED MAIL. 

I HAVE ASKED ALL THREE CREDIT REPORTING COMPANIES TO PROVIDE ME WITH 100 % CERTIFIED PROOF THAT BOTH OF THE DATA FURNISHERS WERE COMPLAINT IN WHAT THEY WERE REPORTING ON MY CREDIT REPORT. I ALSO REQUESTED THAT EACH OF THE CREDIT REPORTING COMPANIES ALSO PROVIDE ME WITH PROOF THAT THEY WERE COMPLAINT WITH THE F.C.R.A. AND SPECIFICALLY WITH THE INDUSTRY STANDARDS OF REPORTING ELECTRONICALLY. 

I HAVE NOT RECIEVED ANY RESPONCE FROM ANY OF THE CREDIT REPORTING COMPANIES.
Product: Student loan

My graduate loans, Direct Unsubsidized ( XXXX, XXXX, XXXX, XXXX ) and XXXX XXXX XXXX ( XXXX, XXXX, XXXX, XXXX ), entered repayment on XX/XX/XXXX, under the XXXX XXXX XXXX XXXX XXXX XXXX  plan. These loans are on administrative forbearance, meaning they should not accrue interest. However, I have confirmed that these loans continue to accrue interest at a non-zero rate. 

I have contacted Aidvantage ( XXXX ) multiple times to address this issue. Initially, their agents assured me the problem would be resolved by XX/XX/XXXX, but more recent communications indicate it will not be addressed until the forbearance ends on XX/XX/XXXX. The agents provided vague explanations without clarity on why the correction can not occur sooner. This ongoing issue undermines the expected benefits of the XXXX  plan and creates confusion about whether accrued interest will be removed. 

Today, XX/XX/XXXX, I also attempted to file a complaint through the Federal Student Aid website but was met with repeated error messages stating : " This page is currently unavailable. Were unable to take your feedback right now. We are working to resolve this issue as quickly as possible. Please come back later to resubmit. We apologize for the inconvenience. '' I took screenshots of the error message to document this additional roadblock in resolving the issue. 

With the court rulings on the XXXX plan still pending, I am concerned that any incorrectly accrued interest might remain unresolved if the plan is discontinued or altered. Leaving this issue unaddressed creates unnecessary financial uncertainty.
Product: Credit reporting or other personal consumer reports

I am seeking to have the XXXX XXXX account in the amount of {$2300.00} removed from my credit report. I disputed this and advised XXXX XXXX that I do not owe this debt. XXXX XXXX referred my Account to XXXX XXXX XXXX  and due to jurisdiction issues XXXX XXXX XXXX brokered this to XXXX XXXXXXXX XXXX XXXXXXXX. I tried to resolve this with all 3 companies to no avail. I was taken to civil court twice by XXXX, XXXXXXXX XXXX XXXXXXXX representing XXXX XXXXXXXX. The first court date was postponed allowing time for XXXX XXXX to return with proof of the debt. At our final court date ( a trial ), XXXX XXXX did not provided any evidence that I owed this debt. Judgment was ordered in my favor and the cased dismissed with prejudice. Please find included a copy of said judgment. I spent 2 days missing work to attend these court dates. I have sent multiple letters, emails and made many phone calls attempting to get this item removed from my credit report. 
Please remove this account from my credit report as I do not owe it. I have explained this via certified mail to XXXX XXXX, TransUnion, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute that XXXX XXXX XXXX is still reporting an open account on my credit that was supposed to be included on a bankruptcy. I used experian to dispute in XX/XX/2020 but it's still listed on my credit file. I'm attempting to purchase a home and have been informed I should report to CFPB.
Product: Money transfer, virtual currency, or money service

I am very upset with western union money transfer company. when transferring money internationally and they are not willing to give the receiver the currency in dollar instead they benefit from rate exchange by setting their own rate and absorbing the remaining fund for their own greed and benefits even though the rate in the designated country much higher. Also on top of that western union charge another fee for wire transfer, for example I used them before where they used to give the receiver in dollar currency but now everything changed for their own benefits and without any valid explanation. Recently I send {$1400.00} to XXXX to help family member with eye XXXX they used to charge around $ XXXX on average but now they do the rate exchange by ripping me off with over {$75.00} for the amount noted this would cost over {$90.00} to send {$1400.00}.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THISITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXXXXXX ....
Product: Credit reporting or other personal consumer reports

Due to discrepancies in missing payments, XXXX credit card services and myself are currently in litigation procedures and will be tied up in legal proceedings for the foreseeable future. It is because of these proceedings, along with the open and active disputes, that XXXX credit services has listed the status of this account as " DISPUTED : CONSUMER DISPUTES ALL INFORMATION ''. This is the CURRENT STATUS of this account and myself, along with XXXX, have gone to great lengths to ensure that this status and, ONLY THIS STATUS, be reported by the credit bureaus. Unfortunately, after several attempts by XXXX and myself, to have the status of this account be reported correctly, the credit bureau has remained implicit in ignoring the demands of both the creditor and myself to report the correct status and has engaged in highly ILLEGAL activity by filing fraudulent disputes in the consumers name simply to remove the 'disputed ' status of the account and report the 'new ' status as they see fit. XXXX credit services has even taken the extraordinary steps of providing, not one but, two letters to the credit bureaus explaining, in writing, what the correct status of the account is, ( disputed ), AND why they were reporting it as such, ( disputed ). The first letter was written and sent in XXXX of 2024 and the 2nd was written and sent in XXXX of 2024, back to back months. Unfortunately, despite all aforementioned attempts onXX/XX/2024 Equifax filed a fraudulent dispute in my name to have the status of the account changed back to charged off or delinquent, completely ignoring the disputed status that is supposed to be reported. This is my final attempt to try and get the correct status of this account reported correctly by the bureaus before filing a lawsuit for negligence, criminal activity as well as fraud for the aforementioned activities listed in this letter.
Product: Checking or savings account

I opened my Citi XXXX Savings Account on XXXX XXXX under the bonus terms as stipulated in the Welcome Package I received from Citi, by responding to a solicitation from Citi after opening my Citi credit card. This solicitation targeted me through my online Citi credit card account. 

I qualified for and completed all four activities and should have receive my {$450.00} bonus by XX/XX/XXXX at the latest. I still have not received it. I contacted a representative ( XXXX ) about the matter on XX/XX/XXXX. I received an on line notice stating the promotion was not offered with my account ( please see attached ) .When I opened the account the agent stated that it was opened with the promotional bonus plan, and that is why I received the Welcome Package with pages that specifically detail the bonus schedule and I received an email confirmation stating the promotional bonus program was applied to my XXXX Savings account. These are attached as proof. 

Today, I received a call from Citi customer service today, asking if I ever received a direct email invitation or flyer in the mail to enroll in the bonus program, and told the representative that I did not, but answered a solicitation to enroll through my on line account. 

Please refer to the attached email confirmation that I was enrolled in the promotional bonus offer. 

I would think that this is deceptive, fraudulent marketing practices as evidenced by other numerous complaints for the same and past civil judgements for misleading advertising, or a honest clerical error.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, XXXX credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists " XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 XXXX XXXX XXXX XXXX XXXXXXXX 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 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

I have disputed XXXX XXXX XXXX with Equifax credit agency. After investigation about a year ago, Equifax along with XXXX  and XXXX  found that the account XXXX XXXX XXXX was trying to collect on was not my account and removed collection company from my credit reports. However, very recently XXXX XXXX XXXX place said account in the amount of {$93.00} back onto my Equifax Credit Report damaging my credit and my credit score.
Product: Credit reporting or other personal consumer reports

Inquiries don't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

I was over Charged by Lexington Law and my credit score was solicited to other Companies. Along with closing my Account and still being Charged for services after closing said account.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 I spoke to a gentleman named XXXX ( ID # XXXX ) and he convinced my wife and I to purchase a package XXXX XXXX XXXX Vacations. XXXX never informed my wife and I that we had to attend a resort sales seminar. 

I received the information in the mail and noticed this requirement. My wife and I would like a refund. XXXX used deceptive practices to get us to sign up for something we are not interested in. Our XXXX ID is XXXX. 

I contacted my bank to dispute the charge and they said they can't do anything. My bank is BBVA USA ( Simple ). My account number is XXXX. Routing number is XXXX. They told me I had to work with the merchant. 

On XX/XX/2020 I contacted the merchant and they told me they would no refund the money. I sent an email to their support department with information about the dispute and I have not heard back.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to dispute late payments reported on my credit report by Republic Finance account number XXXX. According to my records, my account with Republic Finance was transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XX/XX/year>. As such, Republic Finance no longer owns the debt and should not be reporting late payments on my credit report. 

Before Republic Finance transferred this debt, I made my monthly payments via the mobile app. If I was one day late making a payment representative from Republic Finance would harass me my calling me numerous times throughout the day and sometimes back-to-back causing me extreme stress and XXXX. Not being able to sleep at night. Now they are reporting to all three-credit bureau that I am late, but they no longer own the debt. 

I respectfully request that Republic Finance correct this error and remove the late payments from my credit report. Please provide confirmation once this correction has been made. 

Thank you for your attention to this matter. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Reference XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An unknown loan type was acquired for credit under my name without my permission. I only found out about this loan once I attempted to get credit for myself. When I discovered this fraud on my credit report, I contacted the police and filed a police report. I contacted all three credit bureaus and they stated that once I sent a copy of the police report, they would remove this item from my credit. When calling to check on status, XXXX and XXXX removed the fraudulent information. Equifax did not. They stated that they would wait to see if XXXX and XXXX would remove. I explained to them that XXXX and XXXX removed the fraudulent information from my credit report as soon as I sent them the police report as I did with Equifax. They then stated that the only thing they could do was put into another 30 day dispute. I told them no, and that I wanted the fraudulent information taken off of my report. They are refusing to. Please help. This loan was obtained fraudulently using my information. I tried calling company to see if they could give me any information as to addresses or possible names of the people who did this, but they said they could not. I don't know who has done this, but it doesn't belong to me. Please make Equifax remove this false, inaccurate, fraudulent information from my report. The account shows as follows on my report. 
XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UnknownLoanType XXXX Past Due Amount : XXXX Last Past Due : XX/XX/XXXX XX/XX/XXXX : XXXX -- XXXX -- XXXX -- XXXX 30 Days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 60 Days : XX/XX/XXXX
Product: Debt collection

Received a call from the " prosecutors office '' to call an " attorney to avoid prosecution '' for an supposed debt from XXXX US BANK. I recorded the collectors and and the " attorney that files suites '' and after they announced they were recording I announced that my end was recorded as well and they instantly dropped the " attorney '' persona and ended the call. US Bank is performing and funding predatory debt collections and releasing personal identifying information to family and friends, who they called after contacting me, about a debt from XXXX
Product: Vehicle loan or lease

In correspondence with my last complaint, i stated a down payment was illegal. A down payment is not illegal HOWEVER a downpayment in a transaction that uses consumer credit IS IN FACT ILLEGAL! so why was I charged a down payment in order to be approved to get my car. According to the laws ( see attachments below ) i should not have been charged a down payment in my consumer credit transaction. They approved me but then I was rejected simply because i did not want to put a down payment which isnt fair at all because asking for a down payment in a consumer credit transaction is TOTALLY ILLEGAL!!! i am requesting that i am given the car i applied for IMMEDIATELY with NO STIPULATIONS OR DOWN PAYMENT! If my request isnt honored upon notice of my complaint i will immediately file this lawsuit with my lawyer. Pick your choice.
Product: Checking or savings account

My mortgage loan was paid off in XXXX of 2022, during this time, my wife and I were going through a XXXX and I contacted Huntington regarding the rebate for our escrow account and they assured my that the check would be made payable to both of us and we would both have to sign. After several months of not hearing anything about the check, I contacted Huntington again and they assured me that the check could not be cashed unless I signed it and since they showed it was mailed out, they would put a stop on the check and reissue it within 30 days. I then was contacted that the check was cashed and I asked for a copy of the check front and back to see how it was cashed since I never signed it, they told me at that time they would send me a copy within 30 days and at that time I could contact their fraud department and file a claim against the bank that cashed it. I then received a copy of the check that was cashed and dated XX/XX/2022 and a letter saying to contact them with any questions ( was never sent the back of the check ) when I contacted them, they said it could be deposited into an account with Huntington as long as we were both on the account which I do not have a joint account with my ex wife and I feel that Huntington needs to reimburse me for 1/2 of the check amount at this point.
Product: Debt collection

There is no account number linked to this negative posting by XXXX XXXX on my credit report. 

On XX/XX/year>, I noticed that XXXX XXXX was on my credit report with a balance of over {$8000.00}. I contacted them via certified mail asking who they are, who they are collecting for, and for proof of supposed debt. They received this on XX/XX/year>. 

I received no reply. On XX/XX/year>, I sent a cease-and-desist letter to XXXX via certified mail. They received this on XX/XX/year>. I sent copies of this letter to XXXX, Equifax, and XXXX XXXX. 

After a month, I noticed that XXXX was still on my credit report. I provided a second cease-and-desist letter to XXXX and all three reporting agencies via certified mail. They all received their respective letters in XXXX. 

As of today, XX/XX/year>, XXXX is still actively reported on my credit report by all three credit reporting agencies. 

XXXX XXXX is violating federal law by reporting a debt that was never validated or verified. Equifax, XXXX, and XXXX failed to adequately investigate and verify the supposed debt, even after I asked them to do this twice. 

This irresponsible reporting is hurting my credit score. Please have all three credit reporting agencies remove this account in accordance with federal laws. Thank you.