23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Approximately two years ago I opened up a secure credit card with Wells Fargo Bank for {$1000.00}. Over the course of this last year in 2014 I have experienced some financial hardships. However, at this time I am trying to repair my credit ; the XXXX step was to deposit into the holders of my credit cards. I have XXXX with XXXX XXXX and a secured card with Wells Fargo. The account with Wells Fargo is a secured XXXX credit card ; I made a {$1000.00} deposit 2 years ago. I was over the credit limit allowed for several months. On XXXX XXXX I made a payment into the Wells Fargo secured card for {$1100.00} to date the money has not yet been available to me. I have made several phone calls over the last 7 days and I was informed that there was a hold placed on the deposit to ensure it was clear from my bank. I informed them the money had posted to my XXXX XXXX XXXX account and was no longer available to me and that it should have been credited to the Wells Fargo account. Finally after one week of a waiting for these funds to be available I have been informed today that the account was closed on XXXX XXXX. After the card underwriter in the credit services department at Wells Fargo reviewed my credit history she informed me that they would not be able to reopen my Wells Fargo secured card a nd then I was tranferred back to the customer services dept of the credit services department I was told I would not be receiving my refund of the {$1000.00} dollars collateral for at least 45 to 60 days. I expressed my profound disappointment and anger as I need these funds for my day to day living. I have bills that desperately need to be paid and my intent was to pay them from the funds deposited to that card. When I asked for a supervisor I was disconnected. When I called back to speak with a supervisor I was told that I did not meet the criteria for a rush of my {$1000.00} back to me. I am a relatively new XXXX and I an a single parent with children in XXXX. I can not afford to have {$1000.00} just sitting somewhere.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : XXXX XXXX XXXX XXXX : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear Sir/Madam, I am writing to formally request the immediate deletion of an unverifiable XXXX  XXXX XXXX  Charge Off account that was previously reported on my credit report on Transunion. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately. 
Additionally, under FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights.

I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by FCRA 611 ( a ) ( 1 ) ( A ). Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) for willful or negligent noncompliance.

Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX, XXXXXXXX XXXX XXXX  and XXXX, repeatedly violates FCRA Section 621 ( a ) ( 2 ) of the fair credit reporting act 1681 ( s ) ( 2 ) knowing the violations of the fair credit reporting act, after making a law not to report judgements, public records, and tax liens, they are still reporting it on my credit report, and re-aging old debt, and they are reporting tax liens, and accounts that are 7 to 10 yrs past statute of limitations for credit reporting, these companies a required by law to remove these items or I am seeking legal remedy. I have grown with frustration constantly disputing these items with the credit reporting agencies, and them not abiding by the fair credit reporting act and doing nothing about it to correct, and delete accounts. This accounts were disputed by FCRA before and found to violate FCRA policies, the credit bureaus removed these same items, then 3 yrs later started reporting these items again, in XXXX  when they thought that I was not monitoring my credit.
Product: Debt collection

Clear this report from my information, this account was resolved with another collections company ( XXXX XXXX ) in XXXX of 2023 through the CFPB ; An amount of {$300.00} is owed by a XXXX XXXX of Wisconsin, after explaining this to a representative of Credit Management LP on XX/XX/XXXX, no action was taken to clear this from my credit report.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violators must notify before item was removed and added back on which the companies fail to do which are FCRA violations must remove items See PDF file for previous deleted account added back on : see below
Product: Credit reporting or other personal consumer reports

I have multiple fraudulent inquiries on my credit reports, I have disputed multiple times, I have contacted companies letting them know I am a identity theft victim & have tried my role times to dispute accounts & inquirys I have a collection on my credit report for the amount of XXXX that I am not responsible for, I have also tried to dispute this account multiple times I am currently trying to better my credit I also took steps by getting additional security added to by ssc # by gov
Product: Vehicle loan or lease

I have already paid bill for eleven months well there saying I've only paid ten months. XXXX payment is due but there including XXXX 's payment that has been paid. Requesting extension until XXXX. Thank you.
Product: Credit card or prepaid card

RE : Synchrony XXXX ending in XXXX. This bank had my mailing address wrong on my account resulting in no statement received. Specifically they listing my unit number as # XXXX when it is actually # XXXX. On XX/XX/XXXX I was charged a late fee of XXXX and on XX/XX/XXXX I was charged interest of XXXX. On XXXX I phoned the bank and spoke to XXXX. XXXX assured me that the fees would be reversed. At that time I made a phone payment to bring my balance to XXXX. On my next statement NO fees were reversed and instead I was charged another late fee of XXXX and interest of XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

My repeated efforts to correct fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely disrupted my life, causing extreme stress and XXXX. I must emphasize that I never authorized this information to be associated with my name- I am a victim of identity theft.
Product: Checking or savings account

Last year I was scammed. I XXXX  money to make a purchase and basically lost the money and my bank didn't recover it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, I assert that XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX XXXX # XXXX have infringed upon my rights. 

As per 15 U.S.C 1681 section 602 A, I maintain the right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 clearly stipulates that a consumer reporting agency is prohibited from furnishing an account without my explicit written instructions.

Lastly, as outlined in 15 U.S.C 1666B, a creditor is not permitted to categorize a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.
Product: Credit reporting or other personal consumer reports

DEBT OF EDUCATION/XXXX  I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO - 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Checking or savings account

I woke up this morning to find that Wells Fargo has opened 2 new checking accounts in my name. I did not authorize this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My home mortgage account was transferred from XXXX XXXX to Shellpoint Mortgage in XX/XX/2022. I was under a forbearance with XXXX as I lost my job from XXXX and was in the process of a loan modification when I was told mortgage was transferred to Shellpoint. It took them 6 months December 2022-June 2023 to agree to a 6 month trial but I paid on time each month. They then sent me a new loan mod for {$800.00} more a month in addition to a XXXX PAYMENT of XXXX to be paid even if I were to refinance or sell the property prior to maturity. I have reached out to other mortgage brokers and lawyer and they said this is illegal and is predatory lending. They are charging me with a penalty of {$160000.00} on top of my mortgage. This is outrageous!!
Product: Credit card

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, I would like to write this letter after reviewing the messages sent by your company. It seems that I received the message that resolved on XX/XX/XXXX of XXXX regarding my claim XXXX XXXX XXXX XXXX. This message showed that initiation date was XX/XX/XXXX. Around that time, I have notified fraud alert, middle of bunch of assignments, and applications, issues regarding another company illegal transactions, I could not handle properly and could not open the message section. I just read that the claim was resolved at that time, and I just thought what I could do if your company said so. Then, today, I received another message telling me again this acupuncture transaction. I realized the matter was reopened, and I recognize this letter which looked like the one I received one week or more before. I just filed that there was no claim number and I could not send any information. Anyway, as far as I remember, I must have already submitted the information, which the letter indicated. And the letter indicates the address XXXX XXXX XXXX, XXXX, TX XXXX ; therefore, this information will be sent only this address. As fee of postage is on me, I just want to complain this inconsiderate of continuous appearances of claim numbers, XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX message was sent and initiation date was XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). All of these claim numbers were shown at the opening page of message center ; however, once you open each claim, all claims claim number is XXXX, which is same with account ending number XXXX. Even it seems confusing, the claim is meant only XXXX claim toward XXXX XXXX XXXX, {$58.00}. 

Sincerely,
Product: Checking or savings account

My aunt and uncle had given me checks for XXXX and because they knew I was struggling living by myself. I deposit these checks into my bank account only for them to turn out to be counterfeit. I am XXXX XXXX XXXX studying at a XXXX XXXX  and theres no circumstance that I would steal checks that I thought werent meant for me. Turns out the bank thinks its my fault and closed both of my bank accounts with them when I didnt do anything wrong except trust my aunt and uncle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been charging me late fees forever. I have tried several times to get them to change my payment due date from the XXXX of every month to the XXXX of every month. I get paid the XXXX and can pay the car loan payment every XXXX. They have continuously said that they would change the payment date and they have not. Therefore my payments are always showing up late. and I can not do anything about it. On XX/XX/XXXX I received my next payment I tried to call them again to change the due date and nothing came of it. I sent the payment online on the XXXX but I realized about a week later that nothing was coming out of my bank account I log back in to XXXX XXXX and realized there was an error with my bank account, and I resubmitted the payment therefore the payment did not process until XX/XX/XXXX marking it past 30 days. I have tried explaining this to XXXX XXXX but they have been rude and they are not willing to listen to me. They are very quick to help when they want to get paid, but when I tried to communicate with them that this was an error that I have been paying my car note every month they will not help me and they will not remove this from my or my husbands credit report. They are not being very helpful. I do not agree with they way they have handled this, since this has dropped my credit score XXXX points. That is a lot and it is not ok that this company can do such a thing to a consumer who is making monthly payments every month and there was an error in the processing. I have tried to find proof of the initial attempt but I have none since there was an error the payment simply did not go through the first attempt. They have thrown it in my face that my payments were never on time, even though I have tried to change the due date for a while now. They finally changed the due date to the XXXX once the damage was done because I was very upset, but they are willing to do nothing regarding my credit score and what they have done. I need help in this matter please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hospital bill on my report that should have been resolved with my health insurance. Experian still has it unresolved and the company that i owe said they charged it to my insurance. 
Also i have a credit card account closed. Experian still has it as open in good standing.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as te transactions or experiences between the + consumer and the person making the report ; 970 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card

On XX/XX/XXXX, XXXX I called as my old bank ( XXXX  ) reached out to me stating that there were charges from Synchrony Bank trying to collect payment since XX/XX/XXXX. Synchrony did this 6 times overall which resulted in my bank charging me insufficient fee charges 6 times which are over {$30.00} each meaning I owed my bank over {$200.00} in fees. I called and asked for a refund of those fees since one I made my XXXX payment on XX/XX/XXXX so there was no need to even charge me that month plus when I called in XXXX to make the payment, I updated the correct bank information to ensure the month of XXXX I get charged from my XXXX  XXXX XXXX. The representative said they would put a case in to be reviewed and it takes 30-60 days for it to be reviewed. I called today ( XX/XX/XXXX ) for them to tell me they could only waive once every 12 months and that out of the total amount im owed, I will only be reimbursed {$30.00}. When I spoke to a manager about this, they had said there was nothing they can do even though it was their system that made the mistake, that they sent a credit of {$30.00} which really went to my sister 's debt not even my own- we have a joint account but different accounts. When i asked " am i supposed to just eat the cost of over {$200.00}, '' since I still owe that to XXXX, the manager simply replied with a yep. I reached out to two different managers and they both responded the same way. XXXX is not willing to waive those fees since it was an error on Synchrony bank.