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

I am XXXX XXXX and remove the accounts that are being reported in my credit report. I am needing your help because the company reporting this is not helping me out. Carrying out the investigation took more than 30 days!
Product: Checking or savings account

I was attacked by a dog in the motel XXXX parking lot and so I demanded my money back after being misled to believe that the motel XXXX owner was going to let us stay 2 free nights as retribution, instead I get kicked out of the motel and didnt get my two free nights the owner had agreed to in exchange for not demanding a full refund. I spoke with a live chase agent on XX/XX/2021 and explained the situation and how I felt robbed of the service experienced I paid for. The chase agent gave me a refund for the length of my whole stay because I ended up going to the hospital for stitches. Come to find out that chase is being BLOCKED from retrieving my money because XXXX put a merchant chargeback after chase got my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I asked Transunion to investigate the attached information. On XX/XX/XXXX I received a letter saying because they suspected the complaint was sent by a third party they would not look into the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized accounts and Inquiries. Additionally, I have reason to believe that these accounts and Inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized accounts and Inquiries listed on my credit report, which I believe to be a consequence of identity theft, are as follows : Unauthorized Inquiries 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. XX/XX/XXXX I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.
Product: Checking or savings account

On XX/XX/20 I file a dispute for fraudulent charges made using my checking account that included approximately 20 charges. I provided Wells Fargo with all of the information I had including a copy of the FTC identity theft report. When asked why I had not recognized and reported the charges earlier, I advised that I did not check my online banking statement and would have had no other way of knowing about the charges. This was able to be confirmed by looking at my activity and account usage. On XX/XX/20 I learned that the entire dispute was denied. When asked why the dispute was denied, I was told that the claim was reviewed in its entirety and a decision is made as a whole rather than on a transaction by transaction basis. Additionally, in making that decision Wells Fargo has factors that it looks to to make this determination. However, days earlier, when I requested to review the claims details with a representative to ensure that the claim was filed appropriately I was told that the transactions that were more than 60 days old would have to be denied because the time to dispute the transactions had expired. If that rationale was used to deny those charges, it could not also be used for transactions that were timely disputed. Furthermore, in speaking with some of the merchants I learned that some of the charges were made online without the physical card being present. It is illogical to investigate a transaction made with the physical card in the same manner in which online transactions are processed. Wells Fargo did not dispute the claim in accordance with federal regulations. This is a norm for Wells Fargo, and why I closed my accounts 6 years ago. I thought over time they must have learned to do better. But they have not. They are in direct violation of their own policy which provides for XXXX liability for fraud. At a minimum, Wells Fargo should have put the onus on the merchant to provide supporting documentation that the charges were valid. Instead Wells Fargo investigated the claims against me as if they were the merchant who allowed for the fraudulent transaction. Wells Fargo 's failure to fully investigate my dispute is a violation of federal regulations.
Product: Debt collection

WAYPOINT RESOURCE GROUP is reporting a collections account on my credit report for the amount of {$540.00} past due as of XX/XX/2023. 

Pursuant to Section 623 ( a ) ( 5 ) of the FCRA, a consumer account that has been placed for collections or written off must report the actual month and year the account first became delinquent. 

I have never received any notice of this collection. 
I requested from WAYPOINT RESOURCE GROUP the following in order to validate the legality of this debt.

1. Authenticated Contract - Contract between consumer and original creditor, including terms and conditions of contract.

2. Proof of Title to debt 3. Proof of Assignment 4. Proof of debtors failure to pay alleged debt 5. Accounting ( a breakdown of what the debt consists of ) I hereby invoke my right to request the above under the following : UCC 9-406, 810 ILCS 5/9-406 UCC 9-210 8b of the Collection Agency Act, 225 ILCS 425/8b 623 ( a ) ( 5 ) of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts of the same collection reporting on my credit report.
Product: Debt collection

XXXX and XXXX have already removed an account in collection from XXXX XXXX XXXX. I have spoken with collection agency on Tuesday XX/XX/XXXX and they have confirmed this has been paid and account balance is in XXXX. 

XXXX XXXX XXXX XXXX  Collections Account Removed This is great news! Collections accounts can do a lot of damage to your credit score, so getting one removed is often great for your credit health. Collections accounts are typically removed after seven years, or could be removed due to a dispute or settlement. 

Experian On your previous report you had XXXX collectionnow you have 0. This usually means that your collection account has aged off your report, or it was removed as the result of a dispute. 

Only Transunion is showing this as not paid and needs to be updated and removed from my credit score
Product: Credit card or prepaid card

I am a victim of identity theft. I did not apply for the following Synchrony Bank Ashley Advantage credit card # : XXXX. The account is a fraudulent account and not my credit card account. I been receiving death threats, threats of legal action, jail and prison, harassing, profane, abusive and threatening telephone calls from Synchrony Bank in regards to a debt I dont owe for this fraudulent account. The account or debt is not my debt or account.
Product: Credit card

Capital One will not temporarily lower my monthly payments even though I am experiencing financial hardship post Covid. This seems to be trending with other credit card companies as well and something needs to be done.
Product: Debt collection

i keep getting a letter stating i owe over XXXX.XXXX to XXXX..I called US XXXX and they sent me a verified email stating i do not owe any loans ... But i keep getting letters in the mail ... The US XXXX ppl told me it sounds like phising
Product: Credit reporting, credit repair services, or other personal consumer reports

Discharged chapter 7 should be removed my credit report. I have written letters and called several times to no avail. I am also asking for all inquiries to be removed for all three credit bureaus.
Product: Mortgage

I have tried number of time to get help with mortgage payment, such as refinance, loan modification they keep denial. I have complained told them I'm a widow, my husband pass, my income decrease. Got XXXX XXXX XXXX XXXXXXXX unable to work. Now im getting alots of medical bills. I don't know what it take to get help. I'm really unable to keep making these high payment. I need help Please. I only get SS once a month. Now all of bills getting behind because I'm trying to keep a roof over my head. I would appreciate any help or assistance I can get. I'm a XXXX XXXX trying to make it on a fix income. Thanks you for any help I can get.
Product: Credit reporting, credit repair services, or other personal consumer reports

During months when i called and ask for help basically put it in forbearance they made my account late resulting my credit score to drop almost 100 points
Product: Mortgage

I have XXXX loans with XXXX XXXX, I always use XXXX  and Bank of America online bill pay to pay all XXXX mortgages same day, XXXX XXXX charges late fee if no payment received by XXXX. 

XXXX XXXX XXXX, I use XXXX online bill pay to pay monthly mortgage since XX/XX/XXXX, never had any problem. 

XXXX XXXX, I used Bank of America online bill pay to pay monthly mortgage since XX/XX/XXXX, BOA mailed checks to loan deport typically very quickly. I had XXXX late fees from XXXX XXXX, after I talked to XXXX XXXX, they waived those fees due to their delayed processing of check from Bank of America online bill pay. 

XXXX XXXX XXXX, I used Bank of America XXXX XXXX pay to pay monthly mortgage since XX/XX/XXXX, XXXX XXXX charged me XXXX late fees ( {$290.00} XXXX ) so far, I called them, XXXX XXXX agreed to waive XXXX late fees due to their delayed processing of check from Bank of America online bill pay. They still keep XXXX late fees, they said BOA mailed those XXXX checks late, I called BOA XX/XX/XXXX with case number XXXX and mailed them all the docs per their request. ( they do not allow email ) I followed up XX/XX/XXXX, XXXX XXXX, after listening to music XXXX minutes, the customer service rep XXXX XXXX employee ID XXXX  ) said they can NOT do anything about it, your help will be greatly appreciated. 

With details below I requested BOA online bill pay XX/XX/XXXX, BOA mailed check XX/XX/XXXX, BOA online banking showed payment clear XX/XX/XXXX, XXXX XXXX XXXX payment deadline, they shall not charge me late fee, they shall waive it. 
I requested BOA online bill pay XX/XX/XXXX, BOA mailed check XX/XX/XXXX, XXXX XXXX processed payment XX/XX/XXXX. BOA shall reimburse me late fee I requested BOA online bill pay XX/XX/XXXX, BOA mailed check XX/XX/XXXX, XXXX XXXX processed payment XX/XX/XXXX. BOA shall reimburse me late fee XX/XX/XXXX, XXXX XXXX offered me the option to pay from XXXX XXXX XXXX account which will complete payment within XXXX biz day. From now on, I will stop using BOA online bill pay, and only pay from XXXX XXXX online account, to avoid future headache.
Product: Credit reporting, credit repair services, or other personal consumer reports

A recent Equifax security breach has resulted in my personal and confidential information in the hands of entities that should not at any time have access to it. I believe my information was improperly secured and I am concerned that Equifax is not taking appropriate precautions in securing personal data.
Product: Student loan

XX/XX/XXXX, my payment was lost. When I called customer service I was greeted by a nasty customer service respresentative who refused to help me. I then called the office XXXX, XXXX New Jersey, as Hesaa is a state agency. They told me that there was no one who oversaw the agency and no one to file a formal complaint with. They then transferred me to someone within the agency. I spoke XXXX and also emailed with them. Neither of them was responsive. At that point I made requests to have the notes on my account released to me. I have in writing that they would do this. This began XX/XX/XXXX. I did not receive the notes until I reached out to the Office XXXX XX/XX/XXXX. I was told XXXX, that I was not ignored, but I should be happy I received the information. I sent monthly emails XXXX with no response or limited response. He only responded to me once XXXX office told him that I had reached out to complain during her lunch break. I received an email from him a half hour after his lunch break. I also requested my records XX/XX/XXXX, which was documented in the notes provided to me by the XXXX of the Ombudsman. When I spoke with him on the phone he denied that I requested the information XX/XX/XXXX. The notes state that the information was sent to me, which is a lie. I never received any correspondence from Hesaa at that time. I also inquired why phone calls were missing from the notes. He stated that was all they had. The phone calls that were missing were when Hesaa made errors on my account. Hesaa has refused to provide in writing that they made any errors, even when they misapplied funds. They are also refusing to admit that my requests were ignored. They are unresponsive, unprofessional, disrespectful and lack common courtesy when dealing with the public. There is also an environment of cronyism. The Office XXXX is more in the business of covering up mistakes of its employees than investigating their wrong doing. In searching XXXX background he worked for a mortgage company, I do n't know that this qualifies him to be the Chief Compliance Officer for a State Agency for student loans. Also, the director of the agency is appointed XXXX. Is it a coincidence that the director went to the same XXXX school as the Chief Compliance Officer? Also how is there no one to file a complaint with against the agency in the state? Also, should n't the office XXXX be separate from the other staff? How is someone from the office XXXX XXXX XXXX mentioning my case to another staff member XXXX XXXX XXXX XXXX during lunch? Is this appropriate?
Product: Credit card or prepaid card

I made a payment to my Wells Fargo SECURED credit card in the amount of {$5000.00} on XX/XX/2021, posted on XX/XX/2021 from my XXXX XXXX XXXX account. 
The payment was taken from my account in XXXX on XX/XX/2021. Then showed as posted on my XXXX account on XX/XX/2021 I have paid {$17000.00} in 6 payments to this Wells Fargo Credit Card since XX/XX/2021 using the same linked account. Now, with a {$5000.00} payment to pay the card in full, Wells has put a hold on my payment for 4 business days even after having taken the money from my account and having had a valid history with the same linked checking account from XXXX, used in 6 previous transactions over the last 5 months with NO returns. They are using my fund to secure interest and not paying me or letting me use the funds on the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVIENT continues to submit accounts that are not on Mater promissory note for dates I was not in school.
Product: Debt collection

This bill is from a hospital emergency room as a result of a car accident that the insurance company should took care of it.
Product: Debt collection

This company is Not licensed to collect any debts in the state of Louisiana and this debt has been paid already anyway. I've contacted the original company and this company because they're failure to remove this paid debt is damaging my credit.
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. 
The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately. 

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

I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the  unauthorized inquires. 

XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX  TD BANK USA/TARGET C -- XX/XX/XXXX XXXX  TARGET/ID -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX XXXX XXXXXXXX -- XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX, Credit Karma XXXX advertising for a XXXX XXXX XXXX It said " Your Chances for approval is Excellent ''. So I proceeded to apply via Credit Karmas directed link. Within a week is when I received a denial letter from XXXX. 

Then again on XX/XX/XXXX Credit Karma XXXX advertising for a XXXX XXXX Credit Card. It said " Your Chances for approval is Excellent ''. So I proceeded to apply via XXXX XXXX directed link. Within a week is when I received a denial letter from XXXX. 

I feel that Credit Karma 's marketing practices have been manipulative and deceiving in nature.
Product: Debt collection

This debt was taking care of back in 2005 and is still reporting on my credit report.
Product: Student loan

Around XX/XX/XXXX I recieved a call from Ameritech Financial, with regards to help pay for my student loans. I agreeded to have them handle the transfer of my loans from XXXX. They took XXXX dollars a month from XXXX to XX/XX/XXXX. This is when I got word that the CEO had been arrested for fraud. I immediately contacted fedloan, and instead of lowering my loans they have risen. In short I just want my XXXX back.
Product: Student loan

I refinanced my student loan ( through XXXX XXXX  by Firstmark Services ) early in XXXX, and payment in a total of {$43000.00} was made to the new loan company ( XXXX XXXX ) on XX/XX/XXXX. I made an overpayment of {$2000.00} by the time the transfer was completed. I called XXXX several times to follow up on that credit. When I called back in XXXX, the rep informed me that it takes 7-10 business days for the check to get sent to XXXX, and date for the check was supposed to be XXXX. I went ahead and called again that weekend to check if has been sent, and the rep informed me that it was and should take XXXX a few days before they can deposit. When I called XXXX on XX/XX/XXXX, I was informed that there was no check. I went ahead and called XXXX, and I was told that they were going to investigate. On XX/XX/XXXX, a week later, I called XXXX again to ask if a check has been received, and was informed that they did not receive anything at all. So, I called XXXX that same day, was on the phone with them for 23 minutes, and I was given the following information : 1. The check was supposed to be sent, but there is no check number nor transaction number that can be provided. 
2. It would need to get someone higher up to check the status. First is to check if check has been sent, then check if it has been cleared. If not, then they will need to put a stop on it, and will reissue. 
3. It will take another 7-10 business days before it can be resolved.

4. I asked for a supervisor and was provided the same statement.

5. I asked how would I know if it is being taken care of, and was told that they have recorded the issue on their end, so I insisted to get a call back by Friday. 

Here are my issues : - If I did not bother looking at my statements, I probably would have lost that money as apparently, there was nobody from their end checking up on it. 
- The transaction history ( see attached ) still shows a credit, which tells that a check may have never been sent- If they did in fact not send the check, they provided me a false information - Even after several attempts of resolving this with them, I am still not seeing any resolution- I am incurring more interest because my principal is higher than it should be as XXXX has not received the check yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian andXXXX on XX/XX/XXXX once again to uploan the supporting document to show that this bankruptcy was not verified though XXXX XXXX or the Courts. I have also mail these document three times in the past, the most recent was XX/XX/XXXX. I received no response from XXXX, or Experian. I would like them to remove this bankruptcy off of my credit report immediately.. Please review my supporting documents in which I have uploan on XX/XX/XXXX. As you can clearly see my document state that they do not report to credit bureaus or any credit reporting agencys. XXXX XXXX has removed this item as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a medical bill from XXXX XXXX XXXX on XXXX and Equifax credit reporting agency because I don't recall owing that debt, the medical bill was removed from XXXX but not from Equifax to date which is negatively impacting my credit score. Amount : {$110.00} and original creditor : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : Bankruptcy XXXX XXXXdischarged - XXXX These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Credit reporting or other personal consumer reports

I thought I was on the phone with credit karma consumer but he hung after I gave him debit card info with all personal information. Date of birth, S.S. #, phone, number address, maiden name online ph # XXXX ( XXXX ) XXXX. I'm sorry but it happened today XX/XX/year> @ XXXX. Thanks Just a phone call nothing else.