23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have disputed balances and payments along with documents mailed and faxed as directed. I mailed my social security card alone with my drivers lincense along with faxing XXXX pages over to all XXXX agencies. Equifax will not removed depts that have been paid, reporting higher use of credit then actually used and also states my age and sex as well as other agency, I paid off my car loan and sent documents that clearly disputed the 24 payments that they keep reporting and using not to raise my credit score lowering each month right now at XXXX, I have paid or disputed every dept on my report over that past year and now they are using the auto loan that was paid in full XXXX/XXXX/XXXX againt me as of XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that these matter can be resolved as soon as possible. 
XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a
payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRUIST BANK never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX. All my remaining derogatory accounts referencing my bankruptcy were purged. 5/3rd bank was the last one. All had exceeded the 7 year DOFD rule. about a month latter ( XX/XX/XXXX ) I noticed that this creditor had changed the information on an account previously listed in good standing to discharged in bankruptcy. This account had been listed as closed as of the day of my bankruptcy. In reality it was closed 5 years prior. Why did they suddenly start reporting this account back in XXXX. I now know. It seems that they were aware that that my accounts included in the bankruptcy were over 2 years old when I filed limiting their reporting to 5years. They hedged their reporting by letting this account sit idol until it was the only thing left. They then started reporting the bankruptcy on that account. Upon contact they admitted it was wrong and after more than 6 weeks latter issued a letter of correction but they have not stopped reporting this account as included in bankruptcy. It corrects then a week latter its back again. The problem is that every time it re reports. My credit score drops 50 points, as the bureau thinks its a new bankruptcy. They appear to be correcting it but its still going on 3 months later. I have sent the bureaus a copy of their correction letter but they fail to investigate and it keeps re reporting. XXXX XXXX says verified on XX/XX/XXXX. XXXX says verified on XX/XX/XXXX.
Product: Checking or savings account

Wells Fargo Bank allowed fraudulent charges and fraudulent transactions to my bank account
Product: Student loan

I paid {$31000.00} towards my Direct Grad PLUS loan to Mohela online on XX/XX/year> and received a payment confirmation email. I saw the loan payment status as pending and processing on the official Mohela website and soon after the payment was taken from my bank account. However, the processing loan status completely disappeared and there is no history of me paying towards my loan documented on Mohela 's website, even though they had already taken the money from my account and their website states it should take 2-3 business days to post payments. The loan amount has not decreased on my balance and continues to accrue interest daily.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXmy wife contacted a XXXX ad for an apartment rental in the XXXX, XXXX area. Upon contacting the individual who posted the ad they posed a real estate agent in the area and had a 2 BR/2 BA apartment for rent for {$1900.00} per month and it was month to month. 

After initial communication with the real estate agent ( pretend ) we filled out a leasing application and lease agreement with the posing individual. At which point they confirmed via e-mail that they received the leasing information and would sent payment instructions. We were instructed to pay via wire since this was an out of state private owner as they called them prior. 

Once we received the wire instructions the funds were wired into the account on XX/XX/XXXX at approximately XXXX XXXX PST. After several hours, something was not feeling correct about the situation and we attempted to contact the " real estate agent '' and they did not answer the phone but called back and pretended to be XXXX the " property manager '' for the company. After being very suspicious we called another phone number for the realtor and were told they knew nothing about this apartment listed for rent. 

We immediately went to our banking institution and reported the fraud/scam. They attempted to stop the wire transfer and notify the other institution of the situation. This was reported at approximately XXXX XXXX PST which would be XXXX XXXX EST at the financial institution in XXXX  which is Trustmark National Bank. We are not members of the bank however we did call them and notify them of the wire fraud. 

We spoke to the Security Department on the morning of Wednesday XX/XX/XXXX and informed them of the situation. There response to us was they were not sure they received the wire cancellation request and the money was withdrawn from the account at XXXX XXXX EST. It is hard to believe that the institution did not receive the request to not allow the withdrawal of the money. 

Local law enforcement was notified of the situation on Thursday XX/XX/XXXX and she has since been in contact with the bank. The  institution has since closed the account. We had suggested to them on Wednesday that they look into the account and the large withdrawals and were told by the security department that its normal for people to go in daily and take large sums of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$9500.00} XXXXXXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} DPT ED/XXXX XXXX Balance Owed : {$120000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$9500.00} DPT EDXXXX XXXX Balance Owed : {$120000.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$9500.00} DPT EDXXXX XXXX Balance Owed : {$120000.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Checking or savings account

I requested that Revolut submit a chargeback claim for unauthorized transactions on my account. Just a few hours later they denied my claim to submit the chargeback. I asked customer service why were my claims denied and they said the team found no evidence of fraudulent activity. I asked them to send me the evidence they used to come to this conclusion. The agent wrote back Thank you for your patience, XXXX. Actually, our team could not provide any document supporting it as of now. However, they should be sending you an official email directly to confirm the status of the chargeback rejection, please kindly wait as it should be reaching you soon. So the only reason they denied my claim was because they did not want to deal with it. I thought under Regulation E they are required to handle this. I also got an email 10 minutes after that telling me the claims were denied and to contact customer support if I want to review the evidence used to reach this conclusion and so I did and this was the response Unfortunately, in this case, they can only provide an email confirmation since the case could not be disputed by them. It is not the case, XXXX. Since they do not have dispute rights in this case they could not proceed with it and hence they do not have the documents under VISA/MasterCard regulations XXXX So then I asked to show me where it states they do not have dispute rights and his response was Unfortunately, as a support executive, I can not show you this information as it is only checked and influenced by our Chargeback Team. This is absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have mail or debt at this address. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hard inquiries from discover financial I would like to remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal info was used without my permission to open fraudulent accounts, unauthorized, credit inquiries and unknown residential addresses. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$53.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I keep getting calls on my cell and at work from different numbers from " Allied Interstate '' for debts I do not owe. Most of the time when I answer, no one is there. Other times, eventually a person with a foreign accent starts asking for me by my first name on a " personal matter. '' One time after repeated calls I said " she 's not here right now '' and they hung up. They call several times a day in the early morning, afternoon, and evening on both numbers. In fact, they just called my cell at XXXX ( as they do EVERYDAY ) and then my work number at XXXX. Sometimes it is from the XXXX number. Other times it is from another number XXXX or XXXX. Please make them stop! Most people on the complaint websites say they are for student loans. I do have student loans but I have been paying them every single month, early, for the last several years. I have excellent standing with them. Others I have paid off years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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 XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

I got a call from a XXXX XXXX in XXXX, 2014, telling me he specialized in lead generations. He would purchase leads from a XXXX party lead generator. The leads were {$20.00} each and because I had a XXXX time grant from XXXX and I would invest {$100000.00} then I could purchase XXXX leads. I almost did that but left for a week, where I received at least XXXX phone calls telling me I had committed to this and that XXXX supervisor was upset. 
Then I got called by XXXX supervisor who was very upset that I did n't follow through with my purchase. XXXX supervisor pressured me into buying leads for the amount of {$60000.00}. The leads would come from businesses that had been rejected by the banks to get XXXX terminals and they would result in a 3 to 7 % success rate. 
Then I had also gotten a phone call from a XXXX XXXX XXXX who said he was in charge of monitoring my leads and staying on top of his employees that called the businesses on my behalf on the leads I had purchased for {$60000.00} from XXXX XXXX, XXXX. 
I was informed, by each of these merchants, about a XXXX package that would enable me to build my business and to make a lot of money. These firms were to provide me with business opportunities, commissions, web site, leads, XXXX of XXXX of unique targeted visitors, as seen in the fraud case. I never received the products promised on any of these purchases. These companies deceitfully obtained my banking information and intended to use your payment system to defraud me by unauthorized use of my money. 
Since the initial payment, I have not received the services that were promised to me. I have made numerous attempts to contact the companies in an attempt to get refunds and there has been no response. I trusted these companies with my money and they did nothing but take from me repeatedly. Since these companies have stolen my money and not performed, delivered or helped in the ways that were promised, I am disputing the charges on the grounds that they were fraudulent. 
Fraud occurs when a person or business intentionally deceives another with promises of goods, services, or financial benefits that do not exist, were never intended to be provided, or were misrepresented. 
The above named merchants, about whom I 've found countless complaints on the web, knew the dispute rules and informed me that it could take up to 12 months for services to be rendered. This was done in an attempt to delay my dispute beyond the eligible date. " Intent to deceive '' is clearly listed by FTC guidelines as an unlawful violation that should be refunded. These merchants ' ability to process should be revoked!
Product: Debt collection

This is a medical bill addressed to my mother who passed away, XXXX XXXX, 2015. The bill has been turned over to Bay Area Credit Service. My mother lived XXXX and I live XXXX. Therefore, I am still just getting her mail delivered to me. ( The postal service is a whole other story! ) I do not even know what the bill is for and they will not tell me. I asked to speak to a manager or supervisor. A, XXXX XXXX, came on the phone and pretty much just reiterated what the first lady said. At that point, I told them I did n't even want personal information anymore, I just wanted to know what their company policy was for handling a bill of a deceased person. Again, the same answer, " I 'm sorry I ca n't talk to you since you are not the person on this bill. '' They were rude and unfriendly! I explained how upsetting this whole matter was to have to repeat this situation over and over, but of course, all I go was the same 'robot ' answer. All over {$43.00} ... I mean XXXX really!?
Product: Credit reporting or other personal consumer reports

After carefully reviewing my consumer report, I have noticed that XXXX has been reporting an account to my consumer reports. I did not give any express permission or permissible purpose to report anything on my consumer reports. As a consumer, I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, and 15 USC 6801. My private information should remain my private business, and student loans are considered my private information. Your company reported my private information without my consent which constitutes aggravated identity theft due to the fact that I did not give you permissible purpose to report any information on my consumer reports. As a consumer, you XXXX have an obligation to protect my personal non public information. Section A of this law 15 U.S. Code 6802 is saying that your company, XXXX, is not obligated to report or disclose any nonpublic personal information to a third party company such as a consumer reporting agency. A third party consumer reporting agency has no affiliation with your company XXXX ; therefore, you are not required to disclose any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Nonpublic information consists of my name, my address, my account, or account number. This is not public information.
Product: Consumer Loan

Purchased a vehicle on XX/XX/XXXX from XXXX XXXX XXXX , XXXX ( XX/XX/XXXX XXXX XXXX ) After driving away with car we found that the passenger side window does not work, check engine light came on, air bag light came on, spring on the back side of the drivers seat exposed, we had to push it back in order for no one to get scratched ... signed a loan for over {$11000.00}, air conditioner does not work. I contacted Dealer on XXXX XXXX and I am still waiting for the repairs to be made. The dealership continues to put us off, does not return calls, passes me around to different point people. No one in the dealership seems able to take care of our concerns. Please can you help, we are running out of time for the lemon law to apply and I am in need of a vehicle for my family. Thank you for your attention to this matter. XXXX
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my Paypal account .I am using my Paypal account for my business online.XXXX  XXXX XXXX store.my PayPal account : XXXX Has stucked funds in it that I have to withdrawn asap for emergency purposes.And I'm hoping that will get back my account and to be able to withdraw my funds.Thank you and Godbless
Product: Credit card or prepaid card

I applied for the Capital One Venture X credit card from Capital One bank and paid {$390.00} as the annual fees. However within less than a month, my card usage was blocked. I called the bank and was told to send various personal documents such as ID, bank statements etc. The following month i called multiple times for a status update after sending the requested documents. Finally a few weeks later i received a letter saying that my credit card account was closed by bank. No specific details were given. 

I have since reached out several times over the course of the last XXXX mths to request a refund of the {$390.00} annual fees but to no avail.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have become a victim of a data breach. As a result, I am requesting that the following accounts and inquiries, which were fraudulently opened or made without my consent, be blocked and deleted from my credit report. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX. XXXXXXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00} XXXX. XXXX XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Fraudulent Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX