23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted Midland Funding and spoke with XXXX XXXX in the debt verification department regarding an account that should no longer be reported on my credit file. My original debt was with XXXX XXXX which is now XXXX XXXX. My first date of delinquency was XXXX 2008. This date was confirmed with the original creditor AND XXXX XXXX also confirmed that the date of the last payment was XXXX 2008, however, XXXX XXXX stated that that information does not state that that was the FIRST date of delinquency. This statement by XXXX XXXX makes no sense being that the original creditor already confirmed this. This account was paid and I am not disputing that is was mine. I am complaining because it is over 7 years and should have been removed at least 4 months ago.
Product: Payday loan, title loan, or personal loan

I paid a payment on time on XX/XX/20 the about Was XXXX and on XX/XX/20 the Amount I paid was XXXX and all the transactions were valid ... then a couple days later It declined my transaction because I wasnt aware that the funding source I paid it with wasnt valid .... But!!! The transaction went through. A couple days later they declined the payment and made it seem like it was a late payment but it Really Wasnt ... so I was wondering if you guys can help me out with that a problem, Because it wasnt my fault that I didnt know that the funding source was invalid, Even though I paid it and the Transaction went through and it made my credit score dropped 59 points ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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. 




I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, TransUnion and XXXX have yet to correct the following issues. 
report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # 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
Product: Mortgage

We are self employed and were going through hard times in XXXX when the economy crashed and found it difficult to keep up with our mortgage. We turned to Wells Fargo for help because our interest rate was very high at 6 %. They gave us a temporary reduction in our interest rate and payment that was only good for XXXX months in XXXX XXXX. Once the XXXX months were up our rate went back to 6 % and we could no longer afford to make the payments. We tried working with Wells Fargo but they would not help us so we hired the XXXX XXXX XXXX in XXXX XXXX to work with Wells Fargo. Wells Fargo has refused to help us because the investor will not allow a permanent modification. We have done our part by making the XXXX monthly payments which we could afford. We do not want to lose our home where we raised our children. We are requesting that Wells Fargo permanently modify our loan so we can continue to make payments and stay in our home.
Product: Debt collection

I've been out of work since XXXX of XXXX I have a vehicle with credit acceptance I also co signed with them for a vehicle for a friend which they are not paying I know being that I co signed I am responsible but XXXX XXXX XXXX  which I informed them they sent me a letter an email that until XXXX XXXXthey will not atempt to collect the debt nor will they report to the credit companies an they did late payment for 2payments I've called numerous times about this an basically told me it's there nothing they can do or will do I contracted covid XX/XX/XXXX on XX/XX/XXXX the letter I received end date XX/XX/XXXX the amount is XXXX for two months this is for the XXXX XXXX
Product: Credit card or prepaid card

I had a balance on a US Bank credit card of {$5200.00}. An auto payment of {$200.00} was just cleared on XX/XX/XXXX. I made a payment online for the balance of {$5200.00}. Once that payment cleared, I called the company and asked for my account to be closed. It was successfully closed. 

Today is XX/XX/XXXX and lo and behold I receive my statement. I open it expecting a big fat XXXX for balance due, but to my surprise, there was a balance of {$14.00}. 

What? 

I called the company and supposedly they were charging me interest DAILY for a cash advance. If that were the case, why wasn't that additional {$14.00} shown on my balance due online? I understand MONTLY statements showing MONTHLY charges, but a website can literally be updated every SECOND. Why wasn't the additional charge reflected in the balance? 

Why would anyone think about, check up on, or follow up on an account after it had been PAID IN FULL and CLOSED? What if I hadn't noticed this new bill for {$14.00}? What if a month went by, then another then another without me knowing about it. Meanwhile, US Bank is charging me interest on the interest on the interest. You could see where this could create problems. 

This seems VERY DECEPTIVE to me, bordering on illegal, that not only did the website not reflect the most up-to-date balance due, but that at no point during the process of me closing the account was I ever MADE AWARE OF the upcoming daily interest charge. Why would they not tell me at the time I was closing my account that I had the option of paying off the current daily interest charge. 

Today I called their one of their reps, asked why the full balance wasn't reflected on the website and reminded her, at least four times, that I paid the total balance due as it was reflected on my last statement, which was the same exact number reflected on their website. She finally offered to looking into getting the fee waived. She was able to. 

I asked for an email notice reflecting this waiving. She said it would be reflected on my next statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX XXXX, A account was opened back in XXXX  with Capital one 360 that I did not open. When i contacted them over the phone they said they will not investigate the account because they already did in XXXX  but for a diffrent reason. I am a victim of Identity theft and i did nt open the account and they have failed to launch a investigation for the identity theft. They Specifficaly said " we will not be opening a investigation ''. I have attatched my police report for the companies investigation.
Product: Credit reporting or other personal consumer reports

I need assistance with addressing some concerns regarding identity theft. I have been dealing with this issue for the past few months and have been in communication with the bureaus. Despite sending my FTC and CFPB reports multiple times, they keep requesting new documents. I request the removal of fraudulent accounts and reports from my credit profiles. The fraudulent account is under XXXX XXXX - XXXX - opened on XX/XX/XXXX. Additionally, there are fraudulent inquiries from XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. Furthermore, there is an inaccuracy in the report for XXXX XXXXXXXX XXXX XXXX - XXXX - opened on XXXX XXXX, XXXX. I was mistakenly reported as late on payments. They had set up automatic payments, which got canceled. Despite contacting them, they assured me that it would not reflect as a late payment. I have attached my FTC reports and IDs for your reference.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX XXXX XXXX Balance XXXX XXXXXXXX Balance : XXXX XXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

During XXXX of this year 2022, I made a purchase through XXXX purchasing a sweater that was listed as authentic when it was counterfeit. I wasn't aware that the item was counterfeit. I messaged the seller a couple of times asking if sweater was legit and he said it was. I took his word for it and I purchased the sweater and I even gave him feedback. When I received the sweater the I had some doubts so I went to get it verified to see if it was authentic and it turned out to be counterfeit. I then tried to return the product to XXXX but I failed because seller doesn't accept returns. What I did next was that I filed a claim with my bank Wells Fargo to get my money back and they did send it back. Then a few months later, recently, they said that I lost the claim because I didn't return the sweater and that supposedly the seller 's product was legit. Wells Fargo withdrew XXXX dollars. I would like to receive that money back. It is also illegal to sell counterfeit items and I have all the proof that the sweater is counterfeit and I have proof that the seller messaged me saying it was legit and I have proof that he doesn't accept returns. I would like to receive my money back from Wells Fargo.
Product: Checking or savings account

Wells Fargo reported me to XXXX XXXX XXXX and Im not sure why. It is affecting mr from getting a bank account
Product: Debt collection

I am writing to file a formal complaint against Toyota Motor Credit Corporation for unlawful debt collection practices concerning a debt that I believe is barred by the statute of limitations under Texas law. The debt in question was charged off on XX/XX/XXXX, and I believe it pertains to an account originally held with Toyota Motor Credit Corporation. Under the Texas Civil Practice and Remedies Code, Section 16.004 ( a ), the statute of limitations for most consumer debts, including auto loans, is 4 years from the date of default or the last payment made. Based on this statute, the time limit for filing a lawsuit to recover this debt expired on XX/XX/XXXX. As a result, Toyota Motor Credit Corporation or any collection agency acting on their behalf is no longer legally able to pursue this debt in court or engage in collection efforts. Despite the expiration of the statute of limitations, Toyota Motor Credit Corporation has continued to contact me in an effort to collect this debt. I have not received any formal debt validation notice in accordance with the Fair Debt Collection Practices Act ( FDCPA ), which requires that a collection agency provide proof of the debt and its legal right to collect it.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Meade Recovery Services is reporting erroneously on my credit file and it must be fixed immediately. Meade Recovery Services filed a judgement against me for a debt that was not mine. I tried multiple times to tell them that and they would not hear me out. This account was fraudulent. However, no matter how many times I got in contact with anyone, no one could ever prove that this account was mine or that these services were ever rendered. In XXXX, I ended up paying the account in full and thought the ordeal was done with. However, I noticed this account is still reporting on my credit. After all I went through with them, they still feel the need to never talk to me but personally affect my credit?!? This account must be removed from my credit file, it is paid and settled despite it not being mine. 
I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Equafix will not remove This 6 items on my report from the fXXXX XXXX XXXX. I already worked very thing out with my lenders and My account is current closed or in a. forbearance agreement, i also have a XXXX payment balance with This accout Please help me!!!!. XXXX  all ready removed these items off my report now im just waiting for XXXX  to comply.
Product: Money transfer, virtual currency, or money service

Someone hacked into my Suntrust bank account and performed the following actions : On XX/XX/2020, used XXXX to transfer {$450.00} to XXXX XXXX On XX/XX/2020, used XXXX to transfer {$450.00} to XXXX XXXX On XX/XX/2020, used XXXX to transfer {$470.00} to XXXX XXXX I did not authorize any of these transactions or was aware of it until XX/XX/2020. I checked my account and noticed the unusual transfers. I immediately contacted Suntrust Bank Fraud center to report the issue. The representative gave me a case number and told me to check back on XX/XX/2020. She also told me that Suntrust will credit the lost money to me during that investigation period. However, I never received any credit from Suntrust. 

On XX/XX/2020, I contacted Suntrust regarding the case. I was simply told that the case was denied due to " Inconsistency ''. I asked for clarification and the representative said that he can not explain anything further than what the investigator reported. He also said that " I need to be able to prove that I was hacked in order for them to continue with the investigation '', and " without additional evidence from my end, the case will be closed and can not be reopened '', and hung up on me. I called back and spoke to another representative and was told the same thing. This representative however told me that he will send me an email to fill out the appeal form to have the investigators look at my case again. I waited till the next day and did not receive any email so I contacted Suntrust again. This was on Saturday XX/XX/2020. Another representative told me that Suntrust will send the form to me via mail instead of email. I have waited until today ( XX/XX/2020 ) and checked the mail every day but no form was delivered. 

Please take a look at this case and let me know if theres any additional information I can provide to support my case. I just really dont know how to prove that I was hacked. 

Thank you very much for you help.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these accounts. Under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Money transfer, virtual currency, or money service

Complaint Against Cash App ( Block , Inc. ) To Whom It May Concern, I am filing this formal complaint against Cash App ( Block , Inc. ) regarding inadequate customer service and unfair practices that I believe violate the Consumer Financial Protection Act ( CFPA ).

1. Failure to Prevent and Address Fraud Cash App failed to take timely and effective measures to prevent and address fraud on their platform. This negligence left my account vulnerable and unprotected, exposing me to financial loss.

2. Unfair and Deceptive Dispute Resolution Process Their dispute resolution process was unfair and deceptive. Cash App did not comply with the error resolution requirements mandated under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These violations caused further inconvenience and financial harm.

The lack of proper safeguards, responsiveness, and adherence to federal requirements has resulted in significant financial and emotional distress. I am seeking appropriate redress for the inconvenience and losses I have incurred.

Thank you for your attention to this matter. I look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act has violated my rights. 

XXXX XXXX Unverified Account XXXXXXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account Dept of education XXXX XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account Lease Term Solutions Unverified Account 15 u.s.c. 1681 section 602 A. states I have the right to privacy 15 u.s.c. 1681 section 604 a section2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Elan Financial Services applies my payments to my XXXX balance interest rate instead of the balance with the higher interest rate.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the continued presence of fraudulent items on my credit report. Despite submitting disputes and providing supporting documentation on multiple occasions, these fraudulent accounts persist, and my previous attempts have not resulted in their removal. I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention.

However, your agency has consistently failed to fulfill these legal obligations in handling my case. The ongoing presence of these fraudulent items on my credit report has caused significant distress and financial harm. It has adversely affected my credit score and has impeded my ability to access credit and financial services. I would be appreciate if you would help me conducts an immediate and thorough review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX court as the furnisher that's forgery and misleading when the courts don't report this type of account
Product: Vehicle loan or lease

XX/XX/XXXX, I called Exeter XXXX bank to make a payment after I was told my car was about to be repoed. The agent on the phone ( Exeter finance ) advised me to make a payment to them of at least XXXX months worth so they wouldn't take my vehicle. I only owe XXXX months left on the car before it is paid off. XXXX told me as long as the car wasn't hooked up to the repo truck and made the payment, I would not have to worry about it being reposted. I gave my credit card information and agreed to pay {$1100.00}. 
After payment was made, the repo company still took my car. 
I called Exeter finance back and asked what was going on and to speak to a XXXX. 
The XXXX informed me that the agent wasn't suppose to take a payment from me, and that there was nothing she could do even after I made the payment the previous agent told me to make over the phone.
Product: Checking or savings account

I was unable to access my online account starting on XX/XX/2023. After contacting Citizens Bank that day, I was advised that they were reviewing my relationship with the bank and I was unable to access my account. This has been the answer I was given each time I called, with no explanation as to why the relationship was being reviewed or even an end date as to when this would be completed. I again attempted to speak with Citizens Bank today on XXXX and reached a supervisor. After explaining the situation and advising that all I wish to do at this point was access my funds and close my account, I was told I was unable to do that due to the review. When I asked when this review will be completed, I was told that there was no end date and that I may receive a letter within XXXX business days after the review is completed. At this point, I wish to end my relationship with the bank, but I am unable to and no one will tell me why.