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

As I was successfully rebuilding my Credit with help from XXXX, about XX/XX/XXXX, all of a Sudden I was advised that my Credit & Credit Score sustained a Damaging hit from XXXX for SLASHING my Credit limit by 2/3. 
I called XXXX inquiring about their SUDDEN and DAMAGING action, but was rebuffed by XXXX illogical and arbitrary reasoning. 
XXXX ) They contended that they took such action as a result of their periodical review and XXXX  reporting. Here, I implored them to reconsider such damaging action especially when it BETRAYED their recent logic of periodical review because XXXX conducted such periodical reviews over the past years and ESPECIALLY AT THE HEIGHT OF FRAUD COMMITTED AGAINST ME/POOR CREDIT SCORE, and XXXX ALL ALONG MAINTAINED MY CREDIT LIMIT UNTOUCHED. BUT, NOW While my Credit/Credit Score is soaring XXXX ARBITRARILY elected to Sabotage my efforts with their conflicting reasonings as to why. 
XXXX ) Repeated calls were made to XXXX, but to no avail, FOR EVERY TIME I CALLED, I was offered a contradicting and conflicting reasoning, depending on the day and mood of the person I happened to be discussing my situation with. 
XXXX ) A XXXX Supervisor in California, sought to justify their drastic action due to the XXXX pandemic. While another Supervisor in Colorado, dismissed the one in California and contradicted his statement. And it went on and and on .... 
4 ) At last I thought I had connected to a reasonable Manager and after explaining my dilemma to her, she claimed to have UNDERSTOOD my situation and PROMISED TO REVIEW MY ACCOUNT AND CORRECT such damaging measure. In particular when a XXXX Supervisors said well, because you have not used your credit limit as a reason for slashing my Credit Limit.

5 ) AS I was going back and forth with XXXX, I suddenly NOTICED on my Credit Report as having been REPORTED as LATE ON ONE PAYMENT, XX/XX/XXXX. So, I disputed such ERROR, and XXXX admittedly told me YES, YOUR BILL WAS RETURNED TO US ... IT HAD BEEN SENT TO THE WRONG ADDRESS. 
XXXX ) Yes, XXXX admittedly sent it to the WRONG ADDRESS, but once I discovered such error while shopping at their Store in Washington, DC. THEIR Store Manager, XXXX, assured me of no problems and put me on the phone with XXXX, where the Lady Rep. assured me ( without asking ) that it would not affect my Credit because they dont report to anyone ... .it is our internal corporate bank and extended her apologies for the WRONG MAILING. 
XXXX ) ODDLY ENOUGH NOW, as I escalated my inquiries about their mishandling and ERRONEOUS REPORTING, so did XXXX REPS. ESCALATE THEIR FALSE ASSERTIONS. thus, they began ALLEGING that I was late not only once but THREE TIMES MORE AND ON AND ON. 
XXXX XXXX XXXX Reps. Advised me that they sold their Financial/Bank to XXXX XXXX and TD BANK among others. 

HENCE, I seek your help to straighten this spiraling and damaging matter with this UNREASONABLE outfit XXXX. 

Rgards, XXXX XXXX XXXX Wisconsin XXXX XXXX. # XXXX Washington, DC XXXX XXXX : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2017 XXXX XXXX XXXX  reported a late payment with a o, XXXX, amount due. 
the previous month i had paid more then amount due which gave me a XXXX amount due for the month of XXXX. they reported me 30 days past due because i made no payment on XXXX on the XXXX balance. i haqve talked with XXXX XXXX and they have agreed to remove the past due report but have not do so yet. please remove this past due of XXXX report from my credit report so my credit report will improve and i am not penalized for paying this account ahead of time and not paying on a XXXX amount due.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Creait Reporting act. The List or accounts below nas violatea my rederally protectea consumer rignis to privacy and confidentiality under 15 USC 1681. Account name : 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursant to 18 USC 8, I owe no debt, This company ( XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate. Also according to the new law that has been passed it states any medical debt is to be removed thats under XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. Company Inquiries : 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
Product: Vehicle loan or lease

Well, the dealership ( XXXX XXXX XXXX had the truck for 3 1/2 weeks. Suppose to been a timing chain issue. The truck still has the same problems when I got it back. I been had it back for a week now. I called and told them about it. And their response was, they wasn't going to fix it because I filed a complaint. Well I tried to resolve the issue a week after I purchased the truck. I have asked for money back, or trade it, because I don't want it with these type of issues. And I thought I was getting a truck for XXXX and turned out to be XXXX, that's double. If I knew this when I got it I would have left on their car lot. Credit Acceptance warranty is not very helpful either. I was told I just had to pay a XXXX diagnostic fee when anything happens comes to find out that is not true. I want out of this contract and I also want my money back. The XXXXXXXX XXXX XXXX payment and my 3 months worth of payments back. Paying for something that I have not used in a month and making a payment a same time is crazy. This is a big scam if I had to say so, myself. A rip off. And too put everything else on the table. The oil dipstick was broke off in the hole. I had to pay to get it out, the blend door actuator was clicking the whole time the truck was running, I paid to get it replaced. Several lights was not working. I changed all those. The transmission would jump out of gear. Tried the recall on that but XXXX said the truck was too old. It was for XXXX models and up. Timing chain issues which still has not been fixed. But I'm supposed to pay for a poor too none maintenanced vehicle. This is just crazy.
Product: Mortgage

Wells Fargo 's Home Preservation ( WFHP ) program is a predatory practice. I have never had a single late payment on ANY of my accounts in my entire credit history of 25 years. I have been a Wells Fargo customer for ~15 years, and have my mortgage with them. I entered into the WFHP forbearance program out of hardship due to unemployment. I trusted that Wells Fargo would act responsibly while I was in their forbearance program, as long as I fulfilled my obligation for payments during the period. Although I fulfilled my obligation and communicated monthly with the bank about my employment search, Wells Fargo placed me in a compromised financial position and wrecked my credit. 

In XXXX of XXXX, I entered into a 6-month forbearance program with Wells Fargo for my primary and only residence due to loss of employment. My monthly payments were reduced from ~ {$8200.00} to {$390.00} per month. In XXXX, I made an entire mortgage payment, and Wells Fargo confirmed for me that payment would cover the entire 6 month forbearance program. 

Every month since, XX/XX/XXXX- XX/XX/XXXX, I was contacted by Wells Fargo to ask me if I wanted to make an additional payment. In every conversation, I asked if I needed to make a payment, or if my account was in good standing and covered from the large payment I initially made. In every conversation, they informed me I did not need to make an additional payment, and that I was in good standing with Wells Fargo and my forbearance payments were covered through XX/XX/XXXX. 

On XX/XX/XXXX, Wells Fargo called me and said for they were removing me from the forbearance program due to lack of payment, and asked if I could pay the outstanding balance. I explained to the agent that Wells Fargo had informed me every month that my large initial payment had covered all of the payments for the forbearance program. The agent informed me that there was nothing she could do, that I had been removed, and I would need to pay the balance owed from the forbearance program ( $ XXXX ), and re-apply to a new forbearance program. Wells Fargo reported to credit agencies that I had not made a payment in over 150 days, and my credit score plummeted from XXXX to XXXX in 24 hours. 

The WFHM forbearance program is marketed to consumers as support during a hardship, but is designed and deployed to destroy the credit and financial stability of anyone who enrolls.
Product: Payday loan, title loan, personal loan, or advance loan

Please see open case # XXXX. This company sent me a letter acknowledging the complaint filed here and told me you can not help me. Please assist with getting this account closed and off of my credit report ASAP as this company is behaving in an illegal way and is not concerned about any regulations or repercussions.
Product: Credit reporting or other personal consumer reports

On Monday, XX/XX/2023, I mailed a certified letter, with identifying documents ( attached ), to Experian asking them to verify the information from their investigation. The original investigation took more than 60 days ( violation ) from the original date my dispute letter that was sent to the company in XXXX and a CFPB complaint was filed and a response finally given in XXXX. In the results, Experian stated that they " verified '' the information, which can not be true, and I requested verification of debt under FCRA Act Section 611, the request of an explanation of the verification method used by the CRA and a request of records obtained under the FACTA act, SEC 312 ( b ) and ( c ) with the information listed. This certified letter was sent certified USPS tracking number XXXX and delivered directly to a worker per USPS tracking to Experian on XX/XX/2023 ( confirmation attached ) with several copies of my identifying information as proof of identity enclosed. On Tuesday, XX/XX/2023, I received a ridiculous letter from Experian attempting to stall the verification process and investigation AGAIN using a letter stating that they they were not sure it is me and attempting to bully me into not replying and/or letting their nonsense and fake reporting into this investigation go. This is absolutely ridiculous and this company is continuously being allowed by the CFPB to ( 1 ) violate my rights under FCRA, ( 2 ) use stall tactics to not do their job, ( 3 ) report false and erroneous information without any repercussions.
Product: Money transfer, virtual currency, or money service

I invested my money to buy ETH at XXXX, my balance was about {$110000.00}, i loaned from them {$10000.00} to make a little more money, and suddenly within seconds the price went from $ XXXX/ETH to $ XXXX/ETH liquidating everyone from their positions. The technology failed and froze everyone out of their accounts, No one could access to their account at the time and No one was notified of margin calls. The site shut down for an hour or two after before trading resumed and everyone that has margins was liquidated.
Product: Checking or savings account

I reported that my phone was stolen and an unauthorized XXXX  transfer was made in my account. Chase told me that the bank would deposit a temporary fund within 10 business days while it performed an investigation. The bank did not deposit any funds to cover the unauthorized transaction and did not notify me that my claim was denied. When I called to ask about the claim, they told the claim was denied because there was failed attempt to login to my account and some other reasons. I told the person that I had a police report and she asked me to upload such report ( it's in XXXX, I was stolen in XXXX ) I tried logging in to my chase account to upload the document, my account was blocked for 24 to 48 hours. Besides having my money stolen and being discredited from the bank, now I also can't access my account, even with all the security steps in place.
Product: Debt or credit management

I signed a contract with them on XX/XX/2023. They started debiting me from XX/XX/XXXX until XXXX and they never gave me a response and my card balances kept going up and they kept charging me without doing anything. In 7 months they did not negotiate my card balance with the bank, they debited me {$1500.00} and when I canceled with them they returned only {$860.00}. They damaged my credit irreversibly for 6 years or more by not paying or negotiating I have proof of the money debited. The company is deuda cero in XXXX XXXX XXXX, XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This company has failed to acknowledge my account being paid in full as of XX/XX/XXXX. There was a garnishment for the total amount of {$16000.00}, issued for the loan in XX/XX/XXXX with payments starting on XX/XX/XXXX to my employer group. On XX/XX/XXXX, the final payment of {$200.00} was made to satisfy the stated amount provided to my employer group and on court docs. I received a release letter from my employer, who sent to XXXX XXXX on XX/XX/XXXX. My Transunion credit report shows I owe the amount of {$1000.00} with a high balance of {$16000.00}. This balance owed is incorrect. The report also shows a term of 74 months versus the original contract of 72 months. The term info is incorrect. Additionally, it states my last payment was XX/XX/XXXX, which is inaccurate as well. My last payment was XX/XX/XXXX for the loan amount. I called in XX/XX/XXXX to XXXX, XXXX, XXXX, XXXX XXXX  XXXX at XXXX and was transferred to XXXX XXXX, Paralegal for the law office representing XXXX XXXX in reference to the balance owed. XXXX advised me my loan balance was paid in full and emailed me on XXXX confirming the principal balance was satisfied in XX/XX/XXXX. He also sent me a pdf file showing what my total balance owed was from the legal docs. The balance of {$1000.00} is not the correct amount for the loan in which is being reported. The docs show a breakdown of the principal {$13000.00}, {$1000.00} interest, {$1400.00} attorney fees, {$310.00} fees and {$160.00} in late fees, totalling in {$16000.00}. This loan has been paid off full plus some.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A DIRECT RESULT OF IDENTITY THEFT. THIS IS MY 1ST STEP PRIOR TO FILING A LAWSUIT AGAINST EQUIFAX, XXXX, AND XXXX XXXX FOR NOT BLOCKING INFORMATION THAT IS A RESULT OF IDENTITY THEFT.
Product: Debt collection

For nearly 11 years I have worked in XXXX XXXX. Mohela has repeatedly delayed and caused issues with my PSLF progress. After finally receiving correspondence that they forgave the loans, they are still leaving me with a balance. All of my loans were part of my PSLF program and I should be left with XXXX balance. Furthermore, Mohela collected several months of payments from me after the date I was forgiven.
Product: Credit card or prepaid card

On XX/XX/2022 Capital One has incorrect information on my credit report.. credit card is paid off in full.. {$500.00} limit, I have contact them and they will not update this info on my credit report, they will not respond to my mail, or phone calls!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the existing problem with Capital one has put my two credit cards in close status which i am still paying my monthly but not allow to use my credit cards at all. They are reporting negatively every month on my credit report and as a result i am being denied credit and extremely high interest rate loans on my car note. This is beyond damaging to my livelihood and business am being affected in and cant function under these discriminatory credit practices.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my {$530.00} on XXXX direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Payday loan, title loan, or personal loan

Affirm, stated and promised that they will never charge late fees or interest for any loan purchases made and completely paid for within the loan period of at least six months. 

All of my loans with Affirm are paid and I kept in touch with Affirm letting them know that I would make final payments on all loans before the end of XX/XX/2023. The representative assured me that will be ok. 

Affirm, reported all of my loans as delinquent. I am requesting that Affirm removes the delinquent accounts from my credit report and remove my files with Affirm.
Product: Credit reporting or other personal consumer reports

XXXX has stolen money submitted unilaterally that I sent on XX/XX/year> for XXXX. The payment made included statement saying it was for my rent so unsure why they went ahead and cashed it. I tried calling they hang up. They also have made false statements such as incorrect amounts on past bills and added fees they have not previously mentioned. They have stolen from me and I demand this company investigated properly and provide me with additional information as to when I will be getting my rent money back.
Product: Debt collection

These XXXX companies are continuing to request payment for accounts that I do not owe. 

{$140.00} from Stellar Recovery and {$36.00} from XXXX XXXX XXXX. 

These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to XXXX. 
This needs to be removed ASAP. 
I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). 
.We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. 
I will contact the Attorney General against XXXX, XXXX and XXXX and both of these companies if this is not resolved NOW! 
ALL references regarding this account must be deleted from ALL reporting agencies. Since
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries were fraudulently made in my name. These inquiries are still on my report after repeatedly disputing with the reporting agencies XXXX and Experian. The inquiries are as follows : XXXX : XX/XX/2021 AN XXXX XXXX XXXX XXXX # XXXX AN XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, ND XXXX
Product: Credit reporting or other personal consumer reports

An Inquiry from XXXX  XXXX on my report is incorrect and I'm asking for an adjustment please ... thanks
Product: Money transfer, virtual currency, or money service

I was in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all my physical assets were lost including the phone associated with this account and the debit card associated with the account. There is over {$400.00} in this account now and the company says they can't grant me access because of security reasons even though I provided all the identifying documents they requested. Cash App requesting information and me providing the information they requested has happened more than XXXX times and they still haven't transferred my funds to the new account. It seems like they are giving me the run around for my money and these funds were disbursed to me by the XXXX XXXX XXXX. I am XXXX, I need these funds to survive and Cash App is not allowing me access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list Of accounts below has violated my federany Protected Consumer rights to privacy and Confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX Account number : XXXX xx Date opened : XXXX XXXX Account mame : XXXX of the attorney General Account number : XXXX xx Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX  Account number : XXXX xx Date opened : XXXX XXXX Account name : XXXX XXXX XXXX  Account number : XX/XX/XXXX Has Violated my rights. 15 U.S. c 1681 Section 602 A States i have the right to privacy. 15 U.S.G 1681 section 604A Section 2 : it also states a Consumer reparting agency can not furnish a account without my written instructions. 15 vis. 1681 c ( a X5 ) section States no consumer reporting agency may take any consumer sepost containing any of the following items of information any other than records of Convictions of crimes Which antedates the report by more than seven vears. 15 US. C 16815 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.

privacy and Confidentiality under 15 USC 1681.