23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This dispute involves XXXX XXXX and their collection subsidiary GC Services Limited Partnership. I entered into a payment plan with GC Services Limited Partnership to reduce my interest rate, waive late fees, and pay off my debt. I was told it was a 27 month program where I paid {$200.00} per month which would cover my balance. At the time of this arrangement I had a past due amount owed. I was told that the past due amount was rolled into the balance and that the payments would cover the past due amount as well as the remaining balance. I checked my credit report however to find that since the arrangement in XX/XX/XXXX, I have still been receiving late payment reports on my credit report each and every month even though payments have been made each month. I was also told that the program of reduced interest and waived fees only in fact lasts 12 months, not the 27 months I was promised when I agreed to the payment arrangement. None of my {$200.00} payments had gone toward the past due amount. ( i 've paid {$1200.00} so far ) the past due amount was {$700.00} approximately so it should be paid at this point. Now I just get passed back and forth between XXXX and this collection service and no one can help me.
Product: Consumer Loan

I signed up with a company called Big Picture Loans at https : //www.bigpictureloans.com/. I agreed to a loan of XXXX with a monthly payment of XXXX dollars. My first payment was deducted from my checking account as agreed but now the loan company is asking for an additional payment of XXXX every two weeks rather than monthly. I can not pay that amount every two weeks and ask assistance in negociating with Big Picture Loans in accepting a monthly payment of XXXX until i should pay the loan in full.
Product: Checking or savings account

Wells Fargo incorrectly charged fees to my account 2011
Product: Mortgage

Wells Fargo Bank foreclosed on the home I am a tenant in. Wells Fargo gave conflicting information to me and the other tenants about whether Wells Fargo would settle with us in order for us to move out. First the bank asked us how much it would cost to get us to move, then the bank said " everything is on hold '' because the former owner is suing the bank. Wells Fargo has repeatedly said it would send a representative to the property to discuss the foreclosure with the tenants and give us information, but it has never done so. Wells Fargo is obligated to assume payments for our utilities, which are included in our lease. However, Wells Fargo has never assumed its obligation as the new owner of our home. We have received multiple shutoff notices for the water and electricity. Wells Fargo has refused to return our calls about the utilities or the status of our tenancies. We believe Wells Fargo intends to constructively evict us by allowing the utilities to be shut off. An attorney for Wells Fargo, XXXX XXXX, sent us a confusing notice about our tenancy, but has never returned our calls.
Product: Checking or savings account

I completed a business savings account application with AXOS Bank. 
I spoke on the phone to an AXOS Bank representative, XXXX XXXX XXXX, on XX/XX/year>. During this phone call, XXXX XXXX XXXX advised that I must open a Business Checking account to avoid fees associated with transferring money out of the AXOS Bank Business Savings account. A new application was sent to me over email and I did not complete that application. 
Instead, I replied to the email exchange with XXXX XXXX XXXX ( attached ) with the following ; " Unfortunately, I do not want to move forward with any accounts at AXOS Bank... Please cancel my application, do not transfer any funds and close any accounts ( if they have been opened ). '' XXXX XXXX XXXX replied with ; " No worries, XXXX XXXX. I went ahead and canceled the application. I wish you much success in your business! '' Then, on XX/XX/year>, I see that {$5000.00} has been transferred out of my XXXX XXXX XXXX account by AXOS Bank.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Vehicle loan or lease

A car was bought in XX/XX/XXXXand payments made every month fast forward to XX/XX/XXXX I am being accused of a missed payment ( which did not happen ) my bank forwarded proof and they refused to acknowledge it. My bank after looking into it thinks it is an error on their end. I have proof of every payment made on this car. This bank is harassing, and threatening and should not be in business, they are ruining people 's lives. MY PROOF WILL BE SENT VIA MAIL TO YOU. As you may have guess it is WELLS FARGO BIGGEST CROOKS IN THE NATION.!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed, I've sent documents for those inaccurate and incomplete information on my credit report dated XX/XX/XXXX2020 but until today I haven't received any response. I demand that all those account will be DELETE on my credit report. Or I will file a litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I got back ground check from checkr On XX/XX/XXXX It says I goes to New York My name is XXXX XXXX and I have like another not legal name my ex marriage name XXXX XXXX XXXX years old My daughter name is XXXX XXXX she is XXXX years old goes to college in New York. 
So please update this because in the previous background check they were clearly mixing XXXX XXXX with XXXX XXXX where XXXX XXXX is XXXX years old and XXXX XXXX is XXXX years old Have DMV fix it or the source that have this mixed like that I noticed they detailed temp driver license not sure why they call it incident It's like when we renew our driver license they give us temp one till they mail the driver license.so it's like why it got detailed in such ugly style XXXX and XX/XX/XXXX So they detailed the zip code XXXX it's not new York Thanks
Product: Credit reporting or other personal consumer reports

I tried to dispute inaccuracys on my credit report. I did not receive any results from this dispute. They were not able to confirm the reportings on the account. The company is Experian
Product: Credit reporting or other personal consumer reports

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Inquired on XX/XX/, Account name : XXXX XXXXXXXX XXXX Inquired on XX/XX/2023, Account name : XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Account name : XXXX Inquired on XX/XX/, Account name XXXX XXXX, XXXX XXXX Inquired on XX/XX/, Account name XXXXXXXX XXXX Inquired on XX/XX/XXXX Account name XXXX XXXX XXXX XXXXY Inquired on XX/XX/XXXX Account name XXXXXXXX XXXX  Inquired on XX/XX/, Account name XXXXXXXX XXXX  Inquired on XX/XX/. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 card or prepaid card

I am a long standing holder of this credit card ( since XXXX ) and have always been in good standing ... .never a late payment. On XX/XX/XXXX I paid off my up to date balance in full. In XXXX the company charged interest on my account which is not possible since the account had no balance. Since I was not aware they would violate our agreement this caused me to generate a 30-day late on my credit reports, a considerable drop in credit score and they reduced my credit limit from {$4900.00} to {$300.00}. I contacted them and they removed all of the late fees generated but they have refused to repair my credit and to reinstate my previous full credit limit. I am astounded at their lack of acknowledgement of the trauma and suffering they have put a loyal long-term customer through. I recently had a battle with XXXX that I am so thankful to have won and am working to get out of debt. I finally was able to pay off this card and it has caused me so much trouble. I deeply appreciate the CFPB and if others have had this happen I am happy to be a part of a class action suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting the following item inaccurately. This account has never been late. Please remove the item below pending a thorough review. 

XXXX XXXX XXXX  XXXX XXXX never late
Product: Checking or savings account

On Wednesday, XX/XX/XXXX, I opened a business checking account with US Bank. I went in person to the US Bank branch at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. Please note that this was almost one year ago.

I was completely honest that I wanted to open a bank account in order to receive the promotional cash bonus of {$300.00}. I had the promotional code with me which I had gotten from the US Bank website, XXXX. Both the manager and another employee told me that this was valid and acceptable to do. The in-person application system accepted the promotional code. 

I was able to successfully open a business checking account at US Bank. 

I have a sole proprietorship of my tutoring business, so I do not need a Tax ID number separate from my SSN. Again, the branch manager stated this was valid. 
I have fulfilled all the requirements. The requirements for the business checking account in order to receive the {$300.00} bonus cash, were as follows : - '' Register and setup online banking. '' I did this the same day that I opened the account on XX/XX/XXXX. 

- '' Keep a minimum balance of {$3000.00} for at least 60 days. '' I deposited personal cheques from my credit-union account into this one for a total of {$5000.00}, at the same time I opened the account. I have always kept the balance above {$3000.00}. 

- '' Make at least five ( 5 ) debit-card-PIN purchases using the debit card for the account ''. I completed all 5 debit-card-PIN purchases in XX/XX/XXXX. 

- '' Set up a bill-pay directly through the US Bank business account. '' I did this on XX/XX/XXXX. I set up my car-insurance monthly payments to XXXX thru my US Bank business account. 

All this time I have been seeing that US Bank still has not given me my cash bonus. Their own rules on their website state ( which I made sure to get a screenshot of ) : " The Business Checking bonus will be deposited into your new US Bank business checking account within 45 days of deposit verification, as long as the account is open and has a positive balance. '' This is the first & only business checking account I have ever had with US Bank. So I know for a fact that I have always been eligible to receive the promotional cash bonus. 

On Tuesday, XX/XX/XXXX ( this year ), I went back to that same bank branch in person to find out what is happening with my account. A bank employee was able to investigate my account history. And he agreed, he saw that yes, indeed I have fulfilled all the requirements that I as a customer had a responsibility to fulfill in order to get the cash bonus. 

The bank employee was very kind n polite, but he said that he would not be able to do anything. He stated that he would forward my issue to US Bank customer relations + promotions. 

To this day, I have not gotten a single piece of correspondence from US Bank regarding this issue. They have not sent a single email, regular mail, phone call, text message. Nothing whatsoever. I login to my online banking on a regular basis -- there is no notice, alert, notification of any kind in my online banking.
Product: Prepaid card

I purchased 2 - {$500.00} AMEX gift cards to for online shopping for XXXX gifts. I do not like to use my personal information online for hackers. I have not been able to find a single vendor ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, for a few ) that will accept my card. I contacted AMEX to request where I could use the card and why it wasn't being accepted at major retailers. The customer service rep said I just had to find a vendor that would accept the card. If XXXX doesn't accept it but who in the world would? AMEX customer service was XXXX help.
Product: Checking or savings account

on XX/XX/2024 a unauthorized transaction was made using my debit card. a charge of XXXX was made at XXXX. I received a text from regions concerning this transaction the bank flagged this as fraud and I hit yes on my phone that yes this was fraud. my debit card was closed, and a new one was issued I filed a fraud dispute in a timely manner within the guidelines of the EFTA. I received a letter dated XX/XX/2024 denying my claim. I'm now asking for help from the CFPB to correct the situation. nothing was ever received at my billing address I did not place give permission for anyone to use my card and now have become a victim by regions bank. there is a strong possibility that my x boyfriend placed this order using my information without permission. under the EFTA I am not responsible for any transactions I did not authorize. we no longer live at the same address, and I've had no contact with him sense.
Product: Credit reporting or other personal consumer reports

I just recently looked at my Experian credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. [ Name of inquires & date ] 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  This inquires has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

I asked Experian to remove the address : XXXX XXXX XXXX. 
XXXXXXXX XXXX Experian ignored my request when I told them that my identity has been used before by someone at that address. I feel violated and defamed.
Product: Mortgage

I received a letter dated XX/XX/XXXX from Bank of America stating they attempted to mail a check in the amount of {$1100.00} for the execess funds remaining on a home loan escrow account. I called Bank of America on XX/XX/XXXX regarding this letter, explained that I had divorced the co-borrower on the loan and asked for the check to be re-issued in my name solely, as the payments for the mortgage over the last year had come from my personal bank account. I was told to mail in the attached form and a copy of the Divorce Decree and Separation Agreement. I mailed these in the next day. 

I received a second letter dated XX/XX/XXXX stating that " The divorce decree and marital separation agreement states that the property will be split '', and asking for additional information regarding my divorce. I spoke with two different representatives on XX/XX/XXXX requesting the refund check be split, so I could be mailed my half of the amount in accordance with the decree. I was told they are unable to follow the Court Order without written consent of the co-borrower, my ex-spouse. I explained that it is not safe for me to be in contact with my ex-spouse, and asked for a Bank of America representative to contact him if they needed his consent. They refused. 

Bank of America is refusing to follow a Court Order, and instead is choosing to profit off of me by not releasing my half of the refund.
Product: Credit card

I received a notice in the mail that my credit card account was closed by US Bank due to a belief that my account is in danger of or is being used for fraud. I had over XXXX points in my account when the account was closed - meaning that they have been rendered useless. This was sent to me on XX/XX/year>- and I just received it. I had received no other prior actions before this and I haven't conducted any fraudulent activity. I have been paying off my balance in full every single month, so I'm not sure what could be related to the closure of my account.
Product: Credit reporting or other personal consumer reports

I was stunned to discover incorrect accounts on my credit report this morning. Im completely baffled because Ive always checked my credit report, and its been accurate until now. I hoped it was a simple glitch, so I refreshed my browser repeatedly, but the discrepancies stayed. Im pleading for a detailed review of the documents Ive provided to ensure this issue is completely resolved and I dont have to keep worrying about it.
Product: Mortgage

went to an attorney for help XXXX XXXX  ( awful ) and he put in XXXX  by mistake and I could not talk with company XXXX  is over and they still will not give me on line service on send me info on my account which some papers are not my papers that they sent to me. It is a mess from name of service to trying to get information from them. 3 names of Mortgage company XXXX, XXXX  and XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going through a refinance with XXXX  when they reported that Equifax had reported a missed payment on my mortgage at XXXX XXXX. I submitted a file dispute on XX/XX/2019 to resolve the issue. Everyday since XX/XX/XXXX I have received an email from Equifax advertising. On XX/XX/XXXX, I received an email that my Credit File Dispute is complete with my confirmation as XXXX in addition to my Equifax advertising email. I also received a letter from XXXX XXXX stating that I did not miss a payment and that this was an error. I followed up with Equifax website to get a status update, but this required me to create a login and then use one of my two annual reports. Then, Equifax required me to call in to confirm my identity. I spent 40 minutes answering questions on the history of my credit reporting including providing my current mailing address, last 4 digits of my social security, and a slew of 10 questions regarding my credit history. Then, the agent " XXXX '' told me that I needed to mail in a copy of my photo id and social security before I could get the status of my filed complaint. I did not mail in my photo id or social security because this puts me at a security risk in further. I still don't have the update on my dispute. 

Equifax was the only company that reported that I had a missed payment. Then Equifax required me to use one of annual reports. I was receiving daily advertising from Equifax on their services. Then, when I asked to opt out - I still receive email messages at least twice a week telling me to check on my file complaint status. However, I can not check it unless I send in my ID and Social Security Card. I feel like Equifax made a mark on my credit report on purpose so that they can harass me on buying their services and collect data on me that they should not be collecting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 17 accounts that are on my credit report that do not belong to me I have been going back and forth with the buireaus for two years I have opened an FTC report and this is my last step. This is clearly identity theft and I wan this resolved asap. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX & XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXXXXXXXXXXXXXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX - CARD SERVICE Account Number : XXXX Account Name : XXXX  - CARD SERVICE Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX Account XXXX : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXXXXXXXXXXXXXX Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Investigation is past 30 days, you are now in violation. requesting XXXX XXXX XXXX $ for each account. Or the removal of each account Cfpb complaint : XXXX Was sent XXXX. Today is XXXX