23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It is very difficult to understand how a person that you trusted to provide dental services for your family, can destroy the credit that you have been trying to protect. 
XXXX XXXX XXXX XXXX has taken advantage of my good nature to strong arm me into an agreement for extensive services that I did not want nor agree to. 
I did not realize that his disregard for his patient would lead him to deception of services and extraction of undeserved funds. 
I went to XXXX XXXX because I had a painful tooth that needed removing. When the extraction was completed, XXXX XXXX said that he would recommend some additional services. 
I told him that I had to think about it. 
On my way out of the office, the receptionist or cashier told me to sign up for a dental plan to help pay for the additional work just in case I wanted to go forwarded with the treatment. 
Later, I received a bill in the mail that I assumed was for the tooth extraction. 
I paid the bill only to find out that XXXX XXXX had turned me over to a finance credit agency before I had ever agreed to the Additional treatment program. 
This is a situation where I did not realize that my insurance company paid XXXX XXXX for the extraction. 
XXXX XXXX collected XXXX XXXX and XXXX XXXX Dollars from me for something, I do n't know. 
The Synchrony Bank in XXXX, Florida has destroyed my credit because of a treatment program that I never agreed to. 

I have attempted to contact all parties involved in this deceptive practice, but the response has been less than civil. 
I need help to protect my family from this type of predatory abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed disputes to equifax, XXXX and XXXX on XX/XX/21 because there were some incorrect items reporting in my credit reports from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. I requested the verification of the account and in accordance to section 609, a copy of the signed credit applications and payment histories for the accounts but, I never received a response so on XX/XX/21 I send another request for disputes to all 3 bureaus. No response again and I sent another set of disputes to all XXXX bureaus on XX/XX/21, and again no reposonse. I sent another 3 disputes to XXXX equifax, and XXXX on XX/XX/21 and again no responses. Another 3 disputes sent out to each of the 3 credit bureaus on XX/XX/21 but, at this point, since I haven't received 1 response yet, I'm not expecting to hear back... which is very disappointing since I know there's a law saying that the credit bureaus have 30 days to respond and it's now been about 6 months and I haven't received one response. I would like the CFPB to remove all of the accounts that I have been disputing for the last 6 months from my credit reports because the 3 credit bureaus have violated the law and not completed their investigations accordance with the FCRA. I am attaching a copy of my ID and social security card so you can verify my identity. Please also fine the credit bureaus the maximum amount allowed by law for ignoring the law. My next email is to my congressman and I will not let this issue go.
Product: Student loan

Hello, In XXXX XXXX 2017 I made my first payment to Wells Fargo for my student loan. I requested a due date change for my payment to be scheduled for the end of the month. The representative took my first payment and advised me that she would submit the due date change and that effective XX/XX/XXXX the due date change would occur. She gave me the next due date of XX/XX/XXXX. XX/XX/XXXX I started to receive calls and notice by mail that my payment was late and additional fees had been assessed. I called in and spoke to a representative whom advised me at that time that it can take up to 60 days for the request to process. She had a supervisor waive the late fee and said she would submit my request again. I had a payment scheduled for the end of XX/XX/XXXX and was advised to call back on XX/XX/XXXX to make sure the due date change was still going to occur. I called in on XX/XX/XXXX and spoke to a supervisor named XXXX whom advised me that the request was declined again but that he would submit the request again and that it would go through. Here we are mid XX/XX/XXXX and my due date has not been changed. I called in today XX/XX/XXXX and spoke to a supervisor named XXXX. She basically said I needed to make a double payment, refused to waive any late fees ( due to their improperly trained staff ) and said there was nothing she could do for me. I would like any late fees waived and for the due date to be changed as promised when I made my first payment in XX/XX/XXXX. My account is only in this status because I was given wrong information twice now.
Product: Credit reporting or other personal consumer reports

After filing my XXXX complaint with cfpb about inaccurate information on my credit report by TransUnion it still remains. Even after disputing with evidence from original creditor that it is incorrect TransUnion still places it on my report. Other bureaus have removed it but not TransUnion they are tampering with my report XXXX XXXX XXXX XXXX information. I feel now I am be retaliated against for filing a report on TransUnion. XXXX My account all of a sudden continues to get temporarily suspended. XXXX, the disputes I made online are now being mailed out to draw out the process of my disputes. I did not request anything to be mailed and where are they mailing it to? I did not confirm a mailing address with TransUnion. I did my dispute online like the rest of my disputes to get my results online, secure. This means someone will have all my personal information due to TransUnions negligence. My upcoming tentant screen will be rejected due to negligence of TransUnion.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I signed a leasing contract to get a new XXXX  XXXX from this dealership. I was in the State for work and was in need to get a vehicle. I came to the dealer because I saw their advertisement of leasing with {$3000.00} down payment and XXXX XXXX monthly payment. I was told the advertised price didn't include the tax. They said if I put down only {$3000.00}, my monthly payment would at a higher range of $ XXXX. After going back and forth for several hours, I got really tired and said that I wanted to put {$7000.00} down payment to lower my monthly payment. I asked if I can keep the car after 2 year contract ends. They replied : " yes ''. So I sent them {$7000.00} to get the car. About 2 months later, I went to XXXX XXXX Dealership in XXXX, Florida asking to trade for a new XXXX  because I wanted a bigger car. I was told by this XXXX dealership that they would buy the XXXX XXXX back. They said that they " would help me get rid of the car with no problem :, and I can start paying for the new XXXX from the beginning which was around $ XXXX at no down payment. I asked what had happened to the {$7000.00} I put down 2 months prior. They said none of that money went to the XXXX  total price. I asked my colleagues and found out that {$7000.00} only applied to dealer fees and what called " market adjustment '' that XXXX XXXX decided themselves due to " the shortage of the market ''.
Product: Credit reporting or other personal consumer reports

Despite several written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

I use to have a saving and checking account with citizens and closed it some time back and now need the statements for the accounts and I can not pull it online, I called and requested multiple times but the bank is not responding
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not happy that Carmax financial wont info to the credit bureaus. They has ripoff and hiding from me. My payment still make {$180.00} every monthly and current balance is & XXXX now. I find my credit reports balance is {$4600.00} in XXXX because its not matching on the balance.
Product: Debt collection

Requesting the immediate removal of unauthorized and inaccurate accounts from my credit report.
Product: Mortgage

I have a mortgage with Wells Fargo. 
They changed my mortgage after we closed. My loan was sold to another bank who had different qualifications for getting rid of PMI and now I am forced to continue paying PMI even though I owe less than 80 % if the total.
Product: Debt collection

On XX/XX/year> I settled a debt with the collections agency XXXX XXXXLVNV . I made a complaint and the company responded that I would not receive any more communications from the company regarding this debt however the company is still sending letters to my home regarding this paid debt. If a debt collector continues to pursue a debt that has been settled, they are violating sections related to misrepresentation of the debt amount and harassment. 

I received one letter on XX/XX/year> and another letter on XX/XX/year>. Since this debt was already paid, there was no reason to receive these communications. I was told once the account was paid, XXXX XXXX would be automatically notified. Also, on XX/XX/year> a settlement letter should be sent to my personal email considering it has been 15 days and a request to delete from my credit report should be in progress.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian had neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and mt rights as a consumer.
Product: Debt collection

After I file a complaint regarding XXXXXXXX XXXX XXXX deceptive act to CFPB. XXXXXXXX XXXX summoned a Court Order to me on XX/XX/XXXX, to foreclose on my Home. The actual Court Order is dated 2 months before the enforcement actions ordered on XXXX on XX/XX/XXXX. Subsequently, my wife is leaving the property in fear of being homeless. Is that a legal Enforcement Action?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. MY family and I are looking into purchasing a home and as you know credit is extremely important. I never took my credit seriously and barely checked it which is why I never knew that I was being violated on this level. I spoke to my lawyer and he explained that I should file a report with the Federal Trade Commission, which I have. Under section 605 b this accounts must be removed within 4 business days of receipt of this letter. Please help me as this is extremely unfair. My family and myself are counting on this. Thank you. The accounts are listed below.
Product: Credit card or prepaid card

On XX/XX/2022 i made a purchase thru XXXX for the amount of {$470.00}. I used XXXX points from my Thank you points total earned .equals to {$220.00} in cash. So my total charged to CitiBank was {$240.00}. On XXXX i disputed this charge due to never received the item from XXXX ... Dispute # XXXX XXXX dispute was closed in my favor after an investigation was completed by CitiBank. On XXXX i called CitiBank Thank you points department and was told a case was opened,, XXXX # XXXX and that my points were going to be returned to my account. By XXXX. Today i called again and was told. It will take another 60 days for a resolution to be made. I feel CitiBank is not dealing in good faith when it comes to my Thank you points earned. The customer service agents i spoke have been very rude and misleading comes to my issue. I earned my Thank you points by making purchases and paying on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

onXXXX i sent letters to XXXX, transunion and XXXX disputing some fraudulent accounts and billing errors on my report, i asked them to verify these fraudulent accounts and billing errors on my report. 
Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX, transunion and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that XXXX, transunion and XXXX post on a credit report. Otherwise anyone paying for XXXX, transunion and XXXX reporting services could send in a fraudulent account. Also under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave XXXX, transunion and XXXX any written consent to report anything on my consumer reports no consent is FRAUD .I demanded to see verifiable proof with my signature on a contract and written consent I gave XXXX, transunion and XXXX to report these account listed below on my consumer report. 
XXXX, transunion and XXXX did not send me proof with my signature or verify the accounts and billing errors listed below in 30 days. since they didnt XXXX, transunion and XXXX  must delete The following accounts and incorrect billing errors on my reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX arent licensed as a collection agency in the state of new york so they have no right to report on my report or try to collect debt. Cease and desist. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX I did not give permissible purpose to this creditor I never had was late on XX/XX/XXXX or XX/XX/XXXX XXXX
Product: Credit card

I opened an Exxon Mobil credit card in XXXX 2014 account number XXXX. The account is in good standing and is correctly being reported to XXXX and XXXX. However, it is not reporting to XXXX. I contacted XXXX and they said the account is not being reported to them and I would need to contact the creditor. I contacted Citibank ( issuer of the ExxonMobil card and they confirmed they are reporting my account to all XXXX credit bureaus. I keep getting the runaround.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment with the unresolved issues concerning late open accounts and charge off accounts on my credit report, despite my tenth attempt to rectify the situation. 

Despite my persistent efforts to address these inaccuracies, they continue to negatively impact my creditworthiness and financial opportunities. It is deeply concerning that despite providing thorough documentation and following the prescribed procedures, the problems persist without resolution. 

I request that you thoroughly investigate and correct the late open accounts and remove the charge off accounts from my credit report. Additionally, I expect to be kept informed of the progress made in resolving this matter. With this, I am asking for your assistance to remove the charge off and correct these late open accounts in my credit file : XXXX. XXXX XXXX XXXX Balance : {$1200.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 

XXXX XXXX XXXX XXXX XXXXXXXX  Balance : {$35000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX XXXX Balance : {$56.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX. XXXX XXXX XXXXXXXX Balance : {$16000.00} - The payment history and status is inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX. XXXX XXXX Balance : {$7900.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a XXXX XXXX XXXX. After reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however, the information was not provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, FTC complaint, a copy of the report showing my information in the data breach, and a validation of debt letter.
Product: Debt collection

On XX/XX/XXXX XXXX I recieved a hit on my credit report for an apparent debt owed of XXXX from a company called Online information Services titled utilities. I have heard nothing from this company and never recieved a letter from them to verify or dispute the suggested Debt. I was not given the opportunity to dispute this debt before they posted it to my accounts negatively effecting my credit score by XXXX points.
Product: Money transfer, virtual currency, or money service

On XXXXXXXX XXXX I submitted refund request for a money order of {$160.00} online. I got an email saying I'll get refunded in 30 days. I didn't receive the refund. I called customer support they said they will mail me a check. They didn't. XXXX time I called they said they would do it again. I still haven't received my refunded and it's been more than 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about correcting my credit score because of an error made by the bank providing service in delivering monthly statements which caused a delinquency. I disputed the facts and the bank corrected the mistake, but continued to tell me that my score could not be reinstated. It dropped from excellent to good. The XXXX XXXX reported its conclusion and corrected the report, but the score continues to be good. I'm dissatisfied with the entire process and are now suffering a lower rating to the point that yesterday XX/XX/2022 I was denied a credit card application.
Product: Debt collection

I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I haven't received any investigation results.
Product: Prepaid card

I was sent money to a money network card from XXXX that I waited XXXX days for and was never aware the money was there until I was emailed by XXXX a few days after the fact I check my money network account and it was XXXX with a transfer of every dime I was sent to another account. I never made a transfer. They tried to tell me today that it was transferred to an account ending in XXXX which isnt my last four. I have proof thats not my account. Ive been reading online that this has been happening to so many people with money network with someone transferring money out of their accounts. And I am not a victim and was denied my money back. I just had XXXX XXXXXXXX  I need my XXXX money I waited a month in a half for it on top of it XXXX didnt notify me of payment til XXXX ( attachment added ) my deposit was on the XXXX in the middle of the night is when it was stolen. So I didnt noticed til the XXXX the day of the notification I received thru email
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed that belong to a family member but I myself never resided at the following 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 My only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan for {$1900.00} on XX/XX/XXXX. My last draw was for {$300.00} in XXXX of XXXX. I confirmed today that my total draw amount over the entirety of the loan was {$2300.00}. But over the last 3 years I have paid now over {$8200.00} in consistent payments and still owe {$1200.00}. Never missed or been late on any payments. This is predatory lending. Predatory lending is any lending practice where the borrower is taken advantage of by the lender. Predatory lenders impose lending terms that are unfair or abusive. This predatory practice is often committed against victims who are elderly or low-income ( 15 U.S.C. Chapter 41, Consumer Credit Protection 15 U.S.C. 1691, Equal Credit Opportunity Act ). I have reached out to MoneyKey for payoff options and have been told, " We can not discount your pay off balance, '' despite me paying 246.777 % more than the draw amounts. Prior to obtaining counsel, I am making a last ditch effort to get this loan disolved as I have paid well over the amount a resonable prudent person would assume.
Product: Checking or savings account

Recieved within a week two debit cards from M & T bank notifying me of my new M & T debit cards and checking accounts. I contacted M & T, They noted they had caught these accounts and they sent me a follow up letter urging me to contact you and local police. Opening up random accounts at various banks has been happening for a few years ever since my local parking app was breached and information stolen.