23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern, My name is XXXX XXXX XXXX and I lived at the Village in XXXX XXXX XXXX XXXX, an XXXX XXXX Apartment complex. We moved out on XXXX XXXX XXXX from the village and we " accumulated '' {$930.00} worth in move out fees ( Attached to this email is the balance sheet ). I have tried in multiple occasions to contact them and XXXX XXXX and I have had the run around for a while. I used services such as the XXXX, XXXX XXXX XXXX XXXX ( Complaint ID : XXXX # XXXX ) and other bureaus to seek mediation and they have still been negligent to handle our problems. The Village has in multiple times tried to collect the debt from my roommates XXXX XXXX XXXX and XXXX XXXX XXXX with out notifying me even sending letter with only their names and not mine. I have reached out to them thru different dep and was able to get help in the matters. On XXXX XXXX was the last time I emailed the Assistant Manager at XXXX XXXX and requesting her to please escalate my concerns to her Manager since I have been requesting information and she has not been addressing my requests. The dispute is pictures they are providing showing that our carpet was above normal wear and tear and are charging us for the full replacement of the apt carpet and the decon of the cement because they are stating that the stains were so bad that the cement was damaged. After requesting images of the cement, the dimensions of the stains ( since we could not make out the size of the " stains '' thru the pictures ), the carpet ID # on any paper work that we signed ( since they provided a picture with the ID # on it but our paper work does not reflect that ID or anything of that matter ) I never received an email from XXXX XXXX or XXXX company since I did CC them on the email and no one responded back. On XXXX XXXX XXXX my roommate XXXX XXXX received a letter from XXXX XXXX XXXX XXXX stating that XXXX XXXXXXXX sent the expenditures to them for collections. I do not understand why XXXX company keeps doing such things if they have been negligent to respond to me and I never received a letter XXXX XXXX and XXXX still live with me in a different address ) nor did XXXX. I contacted XXXX and discussed the matters and they stated that they did not have our addresses yet they had Isabels and we all have our letters from the Post office when we requested the address change and we provided that address to XXXX XXXX.
Product: Credit card

I have booked a rent-a-car from XXXX ( XXXX property ) and I paid the rental feel with my XXXX XXXX card on the web site. It was a car in XXXX where I and my family were traveling to. When receiving the car on XX/XX/year>2024, the rental car requested that I put a deposit for the car in the amount of XXXX BGN ( or {$1600.00} at the time of the transaction ). Because the rental car company did not accept XXXX XXXX, I used my VISA credit card ( XXXX  XXXX XXXX XXXX operated by Bank of America ) to pay for the deposit. While the amount sounded high, I did not assume that I will be scammed with this money by the rental company. They gave me a broken car ( I can provide pictures and additional details if needed ) that I returned within a day. However the rental car did not return the deposit although they claim they have returned it on XX/XX/year>2024. I have filed a claim # XXXX with Bank of America 's claim department but they several times declined the claim citing that this is a valid charge.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>XXXX XXXX  XXXX XXXX Date of Inquiry XX/XX/year>
Product: Credit card or prepaid card

I acquired a XXXX credit card at the store during a purchase to gain a discount on the purchase. A week or two later I received the actual credit card in the mail. I went online and activated my account. I selected the choice for " electronic statements ''. I assumed I would either receive my statements electronically each month, or notification that me statement was ready on-line. This is what happens with all other credit cards aI have. 

That is not what XXXX does. XXXX makes no notification to the consumer, at all. It is incumbent upon the consumer to remember to regularly check their on-line access to their account to get their statements and pay their bills. 

So, I forgot about the account and went months without paying my bill, no realizing I owed anything. In the mean time XXXX kept assessing late fees and penalties. Then they reported it to the credit agencies and my credit score went from the high 700 's to the low 600 's. Now its an issue because I applied for a mortgage loan for a new house. Had I not applied for the mortgage loan, I would have not found out I had this problem. 

I now called XXXX 's collection agency and they would only waive two months late fees. I ended up having to pay {$98.00} for a total of purchase that were less than {$25.00}. I think this is obviously ridiculous. It seems this is designed to extract more money from people. Now I have to wait two days and call XXXX ( they block you from contacting XXXX directly and reduce your access to your on-line account access until you pay the bill with the late fees.

I doubt XXXX will do anything to fix my credit score.
Product: Credit reporting or other personal consumer reports

I was completely taken aback when I saw inaccurate accounts on my credit report this morning, with no idea how they ended up there. I check my credit report regularly, but this time, there were discrepancies that just didnt make any sense. I tried refreshing my browser, thinking it might be a simple glitch, but the wrong accounts stayed on my report. This has caused me a great deal of anxiety, so Im urgently requesting a thorough review of the documents Ive provided to prevent this from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint with XXXX  because my credit score was negatively impacted due to XXXX reporting late payments against me. My credit report shows late payments were reported during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was a loyal customer to XXXX  ever since I received my Credit Card in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX for the months reported as late and I scheduled my payments to be withdrawn from my bank account on-time for those bills. XXXX either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX about any impending or existing missed payments on my account for the months reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payments were not posted when I logged into my online XXXX account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payments had successfully been transferred to XXXX. 

I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any of these payments as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for almost 6 years due to late payments on my record caused by XXXX. Since these late payments are not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX  to remove the late payments during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. 

If you have any questions, or require further information from me, please feel free to contact me at your convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting XXXX XXXX  XXXX since XX/XX/2016. 

I would like to dispute these two accounts reported to EWS. I was in college maintaining my own account and then added my little brother to it so he can manage his money better and closed my personal one months before the incident occurred because I no longer wished to bank with them due to prior issues, but I kept my brothers opened so he wouldn't be penalized. As you can see, they tried to log the accounts as two separate incidents on different dates, which is false because my account was already closed. There should be only one incident logged as fraud which is also inaccurate, as no one truly investigated and just chose to accuse my brother. I am not trying to protect him at all and have no qualm with providing his information instead, however, I was never given the option to and why should I suffer for someone else 's mistakes? It's clear I had no activity within his personal account. 

While I was in college, I received a letter in the mail indicating there was fraud on the account. I hurried and called XXXX to get additional details and was told that someone tried to cash a {$1400.00} check to the account. I had no awareness or any supporting documents as it was sent to my permanent home address not campus. I called home to ask and was told they had no knowledge of a check being cashed and I told XXXX. 

The fraud specialist was nasty and quickly told me well your brother is young and this is what they do. I saw the copy of the check that was to be cashed and realized it was in cursive and looked like it was written by an older person, I know my brother has terrible hand-writing and can not even write in cursive nor does he know how to write a check. There was also an image of an older woman at the ATM that XXXX failed to investigate and just decided to go based off of their assumptions. 

It has been over 5 years now and I have not been able to open a bank account, get loans, or do anything in my early and late 20 's because of this issue. I have tried to write letters, write to XXXX XXXX, and contact XXXX  XXXX XXXX to no avail. I have no problem providing my brothers information ( and they already had it ) since that is who they wish to accuse. I understand it was under my name, but my account was closed, and I had absolutely nothing to do with this. 

I have no supporting documents as it has been years ago and nothing was ever sent to my school address. However, XXXX can verify my account closure date, the picture of the check, the ATM photo, and the documents I sent to them. It makes zero sense why I am still connected to this and the ATM evidence was never looked into. That would quickly verify the identity of the person. 

I hope someone could please look into this because it has been ruining my financial life. I appreciate any assistance with this issue. I have looked online and have seen many people with similar issues with XXXX. It's amazing how they are one of the co-owners of EWS and they have the ability to ruin people 's lives because of poor investigations and misconduct.
Product: Checking or savings account

I opened a checking account with Huntington Bank under a promotion " {$300.00} Bonus if you deposit {$2000.00} '' on XX/XX/XXXX. I met all of the requirements within 1 day. After a couple of months I called and messaged them to check on the bonus, which had n't posted yet. 

I was told that I needed the exact promo code I used to open the account. This was about 4 months after the account opening. Nowhere in the sign up process did it mention that I was required to save the promo code ( a ridiculous requirement to me ). I do vividly remember clicking the " {$300.00} bonus '' icon and then signing up for the checking account with the promotion clearly stated ( I had a screenshot that I was willing to share with them but it was saved on my work computer, where I am no longer employed ). 

Huntington kept telling me that if I did n't have the promo code they could do nothing ( who keeps a 4 month old promo code flyer? ) I believe this is unfair, since I met all of the terms of their promotion and was hoping that the CFPB could help me in getting this resolved. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

I discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) in relation to my credit report, and I am taking action to address them. Specifically, I identified that inaccurate and misleading information was reported about me without proper verification. According to FCRA Section 616, I have the right to seek civil liability for willful noncompliance, which could result in damages of up to {$1000.00} per violation. 

The violations include a failure to disclose my right to opt out of sharing my personal information as required under FCRA Section 603 ( d ) ( 2 ) ( A ), as well as the reporting of inaccurate debts and accounts without proper validation, violating FCRA Section 623 ( a ) ( 3 ). Additionally, the debt collectors engaged in unfair practices and harassment, in violation of the Fair Debt Collection Practices Act, by contacting third-party agencies with inaccurate information about my alleged debts. 

My personal information was also reported incorrectly, including addresses that do not belong to me, which should be deleted under FCRA Section 605 ( a ). In addition, accounts were incorrectly marked as " late '' without proper justification, violating the requirement to report accurate information under FCRA Section 609. 

Furthermore, under 15 U.S. Code 1692g, debt collectors are required to validate any alleged debts. The debts in question were not properly validated, and I have requested that the debt collectors provide proof of the debts or have them removed from my report. If they fail to provide the requested validation, these items must be deleted as per the law. 

I am requesting that all the inaccurate accounts and personal information be removed from my credit report immediately, and I expect prompt action. Failure to comply with these legal requirements will leave me with no choice but to pursue legal remedies available under the FCRA.
Product: Debt collection

I have tried and tried over and over to prove, that Wells Fargo Bank 's complaints " were always fictitious '' I'm asking, show me a signed copy of any " cure notice '' that I received and proof that I received it, from WFS Financial Inc. Or from Wachovia Bank XXXX from Wells Fargo bank XXXX surely if any debt was due, XXXX of these XXXX corporations whether by contract or standard procedure. In XXXX if someone is late on any debt payments, they get a signed " cure notice '' show me one I received?????
Product: Credit card

This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit card

I received an email that {$69.00} was added back on XXXX when this was resolved months ago. The transaction that was being disputed was from XXXX on XX/XX/XXXX. This should be refunded completely as I never received the order. I think there is confusion as I made another XXXX order for the same amount on XX/XX/XXXX. The XX/XX/XXXX purchase was received & I returned part of the order with no issue. The XX/XX/XXXX purchase the company refused to refund even though I never received the order & it was found by Goldman Sachs months ago that the dispute was approved in my favor & I would be refunded the full amount.
Product: Debt collection

On the following Date XXXX XXXX Navy Federal Credit Union withdrawn payment of {$1100.00} from savings account to apply towards an charge-off unverified debt of {$12000.00} for a credit card account after Navy Federal Credit Union passed debt off to third-party agency that could not collect on the debt and ceased debt collection practices. 

On XX/XX/2022 filed a complaint with CFPB ( Complaint # : XXXX ) and XXXX XXXX XXXX to report Navy Federal Credit Union for fraudulently withdrawing funds from savings account and reporting an unverified debt to credit reports with inaccurate information XXXX, XXXX, and XXXX. 

On XX/XX/2022, Navy Federal Credited the {$1100.00} back to savings account and reported charge-off unverified credit card account as delinquent as of XX/XX/2022 to XXXX, XXXX, and XXXX on credit reports. 

Credit Score was decreased by several points. Navy Federal Credit Union are conducting unfair reporting practices under the Fair Credit Reporting Act to destroy credit score and financial reputation. This is retaliation for reporting their wrongful actions for withdrawing money from savings account to collect on unverified debt.
Product: Credit card or prepaid card

THIS IS THE 3RD TIME I AM REPORTING AN ISSUE WITH BARCLAYS AADVANTAGE AVIATOR RED MASTERCARD CREDIT REPORTING PRACTICES. 

XXXX XXXX AND XXXX SHOW THAT BARACLAYS REPORTED THAT I MISSED THE XX/XX/2023 PAYMENT. I IMMEDIATELY CONTACTED BARCLAYS TO INFORM THEM THEY WERE ERRONEOUSLY REPORTING A MISSED XX/XX/2023 PAYMENT. THEY INFORMED ME THAT ALTHOUGH THEY RECEIVED MY PAYMENT ON XX/XX/2023, I WAS REPORTED FOR A MISSED PAYMENT BECAUSE THEIR INITIAL ATTEMPTS TO COLLECT THE XX/XX/2023 MONTHLY PAYMENT WAS RETURNED, SO THEY REPORTED XX/XX/2023 AS BEING MISSED. 

MY MONTHLY PAYMENTS ARE DUE THE XXXX OF EACH MONTH. I WAS DELAYED IN MOVING THE MONEY TO THE XXXX ACCOUNT USED TO MAKE THE BARCLAYS PAYMENTS SO ALTHOUGH THEIR INITIAL ATTEMPTS TO COLLECT THE XX/XX/2023 MONTHLY PAYMENT WERE RETURNED, THEY RECEIVED THE PAYMENT MADE ON XX/XX/2023. I SUBSEQUNTLY PAID OFF AND LOCKED THE CARD ON XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX/XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, XXXX has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/year>, XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with my XXXX recent Inquiries on my credit report. Two of them were for an XXXX XXXX, on the same day. XXXX XXXX, XXXX. In the Recommended Action on the report is states " All inquiries made within a 14 day timespan for the same type of loan are counted as just XXXX inquiry ''. But I got hit twice for the same auto loan. These two hard Inquiries, gave me a total of XXXX within 24 months and dropped my credit score by XXXX points. How can this be fixed? Thanks for the help.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft AMEX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

As I was reviewing my Consumer Report I noticed fraudulent accounts and inquires. 
I am a victim of identity theft because I did not give the accounts listed below consent to obtain my personal credit. My personal information was compromised and used without my knowledge. Per section 611 of the Fair Credit Reporting Act, 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 

Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Inquires XXXX  INQUIRY DATE XX/XX/2024 I've attached an Affidavit that has proper identification documents such as drivers license, social security card, proof of address, and FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following AUTOLOAN accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Product: Mortgage

We suffered a water damage loss in our home. XXXX XXXX issued a ck for $ XXXX to us and the lender Wells Fargo. We have been working on the repairs. WF has refused to issue a check to pay for the repairs. We have taken $ XXXX from our IRA to cover the expenses we have incurred. I have uploaded all supporting documents to WF to show what we have paid for. We have been promised a $ XXXX check from several of the people we have spoken with but still have not been reinbursed despite my calling in on a near daily basis.
Product: Checking or savings account

Wells Fargo bank was involved in a banking errors case where I could be eligible for a refund just checking on that to see if I am eligible.
Product: Student loan

I have two complaints against my loan servicer which is Ed financial 1. I paid {$5000.00} towards my loan payment on XX/XX/2023 and its has not been posted to my account. I have called Ed financial several times regarding this issue and nothing is been resolved. Every time I am getting the answer that the finance department is working on it. Ed financial is incompetent and is not providing necessary loan servicing. 2. I have requested a refund of the loan payment for {$11000.00} I paid on XXXX XX/XX/2023 which falls under the covid period and I have not received the refund yet. Ed financial is saying it has submitted the request to the treasury dept regarding this. But I have no way of checking this. I have made this request 6 months back. I have not received my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to reach anyone from experian regarding access to my credit report and membership account. They have an automated system that hangs up with limited options to reach a representative. I have already reset my password but I have a two step verification where my phone number has changed and I dont remember the security answers. Experian offers no way to reset those answers due to not being able to reach a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and notice inquiries and addresses I do not recognize or authorized. I am afraid my information may have fallen into the wrong hands. The unauthorized inquiries are as follows XXXX XXXX inquiry dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. The inaccurate addresses are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX