23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

paid the account in XX/XX/2017, It was removed, then in XX/XX/2017 it was put back on credit as a open collection
Product: Money transfer, virtual currency, or money service

just happened XXXX 2021 it was my first trnsaction using paypal, im using XXXX to sell/exchange bitcoin,,, the client paid me {$56.00} minus $ XXXX {$53.00} in total, ,i only gain XXXX to that transaction and my account now is limited for 180days, ,im just ordinary person whos looking for other source of income, ,what i want from paypal is to regain my full acces from them so i can continue what i started, ,thank you, ,my paypal is XXXX XXXX
Product: Student loan

XXXX XXXX- corrupt, incompetent. 

I have completed 2 XXXX degrees back to back with a XXXX GPA. I have not found any work since graduating in XX/XX/XXXX and I have applied for over 40 jobs at the XXXX XXXX XXXX where I live and I have not even been called for 1 interview. I have had my loan in deferment and I contacted XXXX in XX/XX/XXXX to ask about renewal and I was told to submit a renewal on XX/XX/XXXX. I did this, and then they denied my deferment and said they wanted 6 paper job applications mailed to them. I already regularly search the local employment agency jobs as required and I was connected to the manager of the agency of it by email and she sent me their online site so I could search for jobs. But the official employment agency site has old, expired jobs, and I use other much better sites such as the direct XXXX XXXX XXXX employment site, and direct business local job sites, that are much better. 
In XX/XX/XXXX I emailed, and XX/XX/XXXX land mailed XXXX 10 job applications that I had submitted to the XXXX XXXX XXXX. They never acknowledged them and then they sent me a bill to pay. I called and they said they had not received my letter yet, but to ignore the bill. I called them again in XXXX, and XXXX several times and they told me they were back logged and that the person I spoke to should have never asked me to send them the additional applications that I submitted. They told me that I should receive a confirmation email of my deferment by XX/XX/XXXX, but I did not. Today, I received a past due bill from them telling me that I am in default, and have a bill due with late fees, and that I would have to pay collection fees, etc. I called them and each time I call I am told something different, this person today, told me to resubmit applications to them again. Today, I re/sent the email to them that shows that I submitted job applications back in XXXX, and had applied for a renewal of deferment then and I told them I needed them to put my loan back into deferment. Their response was that they just sent me a link to a deferment form and no comment. They are the most incompetent and fraudulent business I have ever had to do business with. I need my loan kept in deferment, I am XXXX!! I have to manage a health XXXX and their continual harassment is harming my health and making my XXXX worse. I need them to put my loan back in deferment and remove any fees, payments they have added, as none were due because I applied for my deferment before the one I had in place expired. 
Please help me with this. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX has violated my rights. 

Code 1681 ( 2 ) a, i.has been violated.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Student loan

I tried to no avail to reach Mohela by phone several times. I've written them multiple times. I asked that my payment be applied to the unsubsidized portion of my student loan. I also indicated this instruction by writing it on the check they cashed. Mohela ignored me.
Product: Credit card

I sent a letter to the company explaining that I was a victim of XXXX XXXX in 2024, which forced me to take on debt in my name. Before this, I always paid on time and had no late payments. I asked if the company could help by waiving the balance that wasnt truly my responsibility and fixing the credit reporting for the account. I have not heard anything back from the company.
Product: Student loan

I applied for the XXXX repayment plan on a joint application with my spouse through XXXX, and my payment went up from {$260.00} to {$550.00}, when XXXX had estimated my payment to go down. 

On XX/XX/23 they said that my new monthly payment would be {$170.00}, and then on XX/XX/23 they sent another letter saying that my payment amount chenged to {$550.00}. 

When I contacted XXXX for support with this, they recommended that I file a claim with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiry on my credit placed XX/XX/2021
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'd like to file a complaint against XXXX, Transunion and XXXX and all the secondary bureaus. Under the provisions made by the Fair Credit Reporting Act, I have the right to accurate reporting of any and all information pertaining to me. 
With that being said, I'm requesting that : The : Dismissed Bankrupcy that is showing on all 3 bureaus be deleted immediately. This information is inacurrate and can not be verified. 
Thank you!
Product: Debt collection

Summit AR continues to attempt to collect in a non-compliant fashion as the debt they are attempting to collect on does not belong to me. I have asked them several times to communicate with my attorney and yet they have not contacted him and it has been over 30 days now. This is our final attempt to resolve this matter before the matter is escalated. No lawsuits have been filed yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

The data reported to the Credit Bureaus ( XXXX, Transunion and XXXX ) in regards to a late payment to XXXX XXXX account ending in XXXX was incorrect and was due to an error by XXXX. 

After investigation by XXXX, it was confirmed that there was a representative error in regards to my account ending in XXXX. On XX/XX/XXXX I had requested my account be closed and the representative I made several requests to never closed it. 

On XX/XX/XXXX, I was alerted by XXXX XXXX that my credit score had dropped significantly due to a late payment. I immediately investigated why and promptly reached out to XXXX to get this resolved. 

On XX/XX/XXXX, same phone call, the manager of the representative with whom I had spoken, reviewed the transcript of the call and chat in which I made this request, and confirmed and agreed that the account should have been closed on XX/XX/XXXX. 

Because the account was not closed, this resulted in additional charges to the card that were not authorized, and because I thought the account was closed, I was unaware of. 
The late/delinquency fees associated have been credited back to the account by XXXX. The charges made to the card after the account should have been closed that resulted in the outstanding balance have also been refunded to the card which should result in a {$0.00} balance on the account. 

On XX/XX/XXXX, the representative that was helping resolve the matter closed my account with XXXX. 

I wrote a letter to their credit dispute department requesting that this data be removed from my credit history as soon as possible and immediately. I am in the middle of buying a house and this is damaging to my credit score and needs to be resolved immediately. This is incredibly harmful timing for this be happening and would appreciate all efforts to resolve immediately. 

How can a company rep make a mistake and now its going to cost me somewhere to the tune of {$50000.00} over the life of my mortgage? I need this resolved literally immediately. They are pulling my credit for interest rate in the next few weeks. Just unbelievable that they can make a mistake and I suffer for it. 

They promised that they would submit to the credit bureaus that it was inaccurate. However, I submitted the dispute to the credit bureaus, they investigated and said that XXXX told them the data they hod originally submitted was correct. So they did not fix my credit score.
Product: Checking or savings account

On  X/XX/2017     Wells   Fargo took  all money from one account to cover the negative balance in another account. I called to dispute the claim. The customer service transferred me 4 times. I did not receive the funds back. I have not signed any documentation stating they can take money from  one  account to cover the next. They took almost {$700.00} from my account.
Product: Checking or savings account

On XX/XX/XXXX I tried to notify the bank that an unauthorized ACH withdrawal had been made on my account. The employee ( on telephone ) said he was having trouble restricting the account. So I went to the branch on that day and they restricted the account and opened a new account but they were not able to transfer the funds ( {$63000.00} ) from the restricted account to the new account. 

The next day I tried again to have the funds transferred to the new account. They failed and said to try again the next day. The next day they failed again and said they were very busy and to try another branch. Which I did. The new branch again tried to transfer the funds and failed and so said they would send the problem to the " Branch Complaint Escalation Team. '' 6 days later that rep called and said he could not help and to call the " Telephone Bankers Check Releasing Hold dept. '' Which I did. They said it was not their problem and it could only be handled at the branch.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 High Yield Interest Savings Accounts. Capital One misinterpreted the 360 Savings Account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 Performance Savings Account. The deliberate obscurity and lack of transparency violated consumer trust and resulted in a significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failures to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$220.00} XXXX  # XXXX XX/XX/XXXX -- {$440.00} XXXX  # XXXX XX/XX/XXXX -- {$770.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1700.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$4000.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$15000.00} XXXX  # XXXX XX/XX/XXXX -- {$170.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I disputed a transaction through Chase for a transaction of {$51.00}. This was an item that was purchased from a merchant and was marked delivered by the carrier, XXXX. Within three minutes of the delivery notification, I went outside and there was no package where the photo was submitted. Carriers are instructed to deliver packages to the door of the tenant. This carrier submitted a photo with the package in the middle of the courtyard in front of the building, in plain sight from the sidewalk. This is atypical and uncommon. XXXX  has repeatedly delivered packages incorrectly to other tenants in this building, and a supervisor has been notified for suspicion of theft. This delivery was not completed, as the carrier did not deliver the package to the address. This is equivocal to the carrier leaving the package in the middle of the road and marking it as delivered. When I contacted XXXX, they instructed me to contact the merchant to file a claim, as the recipient is not eligible to open carrier claims. The merchant refused to do so. Chase has denied the claim even though a thorough account and supporting documentation have been provided. While following up with a representative, after 45 minutes on hold and a 3 minute conversation, the representative disconnected the call when prompted to speak with a supervisor. Chase has a duty to protect the federally insured funds of its depositors from fraud and has failed in this instance.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX, FL, XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Bank : Account number XXXX XXXX BANK : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Mortgage

My home mortgage is with CitiMortgage, I 've submitted financials andrequest for mortgage modification several times. My home has a property foreclosure sale date for XXXX XXXX, 2015. I am a XXXX Veteran I have served my countryfaithfully and I am disappointed with the way I 'm being treated regardingassistance to keep my home. I want to keep my property. PLEASEPLEASE PLEASE help me
Product: Credit card or prepaid card

I have had a fraudulent acct opened in my name with Kohl 's. They began reporting this acct to my credit report on XX/XX/XXXX. I called them several times previously to tell them this is not my acct and I never applied for the acct. They refuse to tell me the address where they sent the card but it was not at any of my addresses. 
XX/XX/XXXX I called to start the fraud application process again. They said it would take 60 days.I spoke to XXXX @ XXXX. 
I called back on XX/XX/XXXX to see the status of the fraud report. They said it was canceled and had wrong notes in the file. They said to call back the next week an they would fix it. 
I called again on XX/XX/XXXX, still nothing was done again they said fraud report was canceled. 
I called again on XX/XX/XXXX and spoke to XXXX XXXX XXXX. He updated my address and gave me a ref incident ID of # XXXX and also XXXX. I sent a letter as I was told this would be escalated to mgmnt. I called again XX/XX/XXXX and still nothing has been completed to resolve this issue. This is causing me not to be able to purchase a home and as interest rates rise I am being damaged more and more. I do not know what to do. A 60 process has been turned into a 120 day process with still no resolution and now they are sending me additional letters to pay the balance in full of {$500.00} whern I did not ever apply for the card and never had possession of the card to begin with. This is ridiculous and is costing me money on my mortgage interest rate as I am being held hostage by this dept store.
Product: Credit reporting or other personal consumer reports

I apparently made a mistake in my loan payment, US Bank had me on autopay for certain amount for my HELOC account, I tried changing autopay to add extra to pay it of quicker, It gave me a message that said that in order for me to do that, I had to remove autopay, I did remove it and I could not add an additional amount to pay off loan quicker, so the dame exact date that I removed it, I set autopay again. Apparently when I set autopay back on, there was not enough time to receive the payment when it was due. I was thinking that payment would automatically be made, US bank never called or sent me a letter saying my payment was late, the only reason I knew that my payment was late was because I received a notification from my credit monitoring that I had a payment missed by 30 days. US bank never made an intention to get a hold of me, I am very upset of this company, they ruined my near perfect credit. I can provide a credit report where it shows exceptional credit history. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once you've successfully filed your credit dispute, you should expect the following to happen : 1. Confirmation Code You'll receive a 10-digit confirmation code for future reference. You may check your status anytime within your myEquifax account.

2. Investigating Your Dispute When reviewing your dispute, if we are able to make changes to your credit report based on the information you provided, we will do so. Otherwise, we contact the reporting company to verify the accuracy of the information youre disputing.

3. Results in 30 Days Within 30 days of your dispute request, we will notify you of the results of our dispute investigation. 

From EQUIFAX page themselves but all my disputes take more than 45 days in most cases
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( insert date letter was sent to bureaus ) to remove these items that are 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 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 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 Balance : - XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance XXXX {$1600.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

I own a small business and have a business checking account with Wells Fargo bank. On XX/XX/23 I deposited a check for {$4500.00} and on XX/XX/23 I received an email saying Wells Fargo put a bank hold on the check deposited. We immediately called the payer and he sent us a screen shot of the monies clearing his federal credit union. We then called Wells Fargo and we were told theyre holding it for 10 days due to suspicious activity. Today I spoke with everybody and nobody can tell me why this hood was placed on our account and the money has cleared from the payers account. Wells Fargo keeps giving me their same old tired refrain about suspicious activity which by now we all know thats b.s.! Ive wasted more time on the phone trying to get this money released as we are a small business and need it badly. 
Its so frustrating to talk to Wells Fargo and be passed around from department to department, to be disconnected and have to call back several times only to be told to go to a branch. We went to the branch and they called their back office and told us it would be 10 days for this hold!! As of this writing I still dont know where the suspicious activity is as Wells Fargo already has the money released from XXXX XXXX XXXX XXXX XXXX The only one inconvenienced is me, the customer!!
Product: Debt collection

On XX/XX/XXXX, I came outside to see that my car had a boot on it. There was a notice stating that I had 4 or more parking tickets in collections, and that due to your non responsiveness, your vehicle has been immobilized. I was told that if I did not pay the amount in full within 48 hours, my car would be impounded. 

I called XXXX XXXX XXXX, gave my name and my license plate number. I was told that there were NO tickets on file for that license plate number, and that I had tickets on my record for a different license plate. She asked if I had changed my license plate and I told her I had not, as I had this car for the past 4 years. I also mentioned that I had just received my tabs a week earlier, and that the DOL will not let you renew tabs if you have parking tickets in collections. She claims you must have got lucky then. I told her I have never once received a notification that I had anything in collections, so walking out to my car being locked should not be allowed. I was never given a chance to rectify the problem before it got out of hand. She told me they made one attempt to mail me a letter, and the letter was sent back to them. I informed her that the notice on my car stated that they made all proper attempts to contact and that i wanted to know what the other attempts were. She did not have an answer for me. 

She did have on record that I came to their office in XXXX of XXXX to pay off a ticket, but claims there were four others that didnt go on record until XXXX of XXXX, conveniently. 

I should not be held liable for late fees, interest fees, etc. when it is on record at XXXX XXXX that their one attempt at mailing me a letter was never received. They did not make full attempts, and originally told me that my tickets were on a DIFFERENT license plate number, although my tickets are from XXXX and XXXX and I have had my car since XXXX. 

They also said they can not show me where the parking tickets occurred but could give me a print out with the ticket number only, which I have attached. 

I worry that they are violating the law, and possibly the Fair Debt Collection Practices Act and would like this reviewer. 

Since I was threatened with getting my car impounded if not paid in full within 48 hours, I took an advance on my paycheck to cover the cost and I had to miss work on XX/XX/XXXX and will be missing school on XX/XX/XXXX waiting for the boot to be removed. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting

XXXX XXXX {$2100.00} account reported on XX/XX/XXXX OpenAccount # XXXX $ XXXXBalanceXXXX XXXX XXXXOriginal Creditor $ XXXX BalanceXX/XX/XXXX DateXXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNote