23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XXXX of this year, I set-up a payment arrangement with a merchant with whom I conduct business. The merchant put the transaction through as two separate transactions, which was fine. This payment arrangement was through my debit card that is attached to my checking account with Wells Fargo Bank. I told merchant to set-up the payment arrangement to come out on XX/XX/XXXX, however, the representative I was speaking with was from another country and there was a language barrier. This person made a mistake with the date and set-up the transaction for XX/XX/XXXX, 10 days sooner than she was supposed to. I had no idea this happened until it was too late. For all I knew, the transaction was set to come out on XX/XX/XXXX as I had instructed. As a result of her doing this, it caused my checking account to become overdrawn and I was assessed two NSF charges from Wells Fargo each being {$35.00} with a total of {$70.00} in NSF charges. When I contacted the merchant who did this, they said that for the reversals, I need to contact Wells Fargo so they can reverse them for me. I have been back-and-forth with Wells Fargo and they refuse to help me. This overdraft was NOT my fault. This was a merchant error and Wells Fargo is stern on not reversing the {$70.00} in NSF charges. Im very upset about this and I dont think that this is fair. Some banks dont even charge NSF fees and this was overdraft was not my fault. This was clearly a merchant error and I shouldnt be made to suffer. They cant even make an exception over this, which I think is wrong and unfair. {$70.00} means a lot to me because Im struggling to begin with. Wells Fargo is a very greedy bank and I think the way they handle their customers is wrong and unethical. I need to have that {$70.00} refunded and I think I should also have additional {$500.00} credited to my account for this huge inconvenience and how I have been shifted back-and-forth by this bank. Theyre not even taking into consideration the mitigating circumstances that led to this overdraft. The merchant put it through on the wrong date when money was not in my account. 10 days later, everything was fine and this wouldve been a non-issue. But, the merchant made a mistake and put those charges through sooner than she should have. I thought Wells Fargo could help me, but theyre being cheap, greedy, unethical and wrong when it comes to their business practices. If you could help me right away, I would really appreciate this. Im not a bad person. Im just tired of being treated unfairly by a bank thats not even giving me any consideration, especially since I have a good relationship with them and Ive been with them longer than I should have been. I would like to keep my account with them and not end my banking relationship. Please help me anyway you can because this is totally unfair and I deserve to be treated better than this.
Product: Credit reporting or other personal consumer reports

I was trying to get an apartment and realized damages on my credit report. 
According to 15usc1681 law there should be no damages on my report is defamation of my character
Product: Credit reporting or other personal consumer reports

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Product: Debt collection

Penn Credit XXXX keeps calling and leaves no message, I called them back and tried to tell them it 's been handled by my medical insurance and they just keep talking over me. I tried to tell them to stop calling and they talk over me. One person hung up on me and another named XXXX XXXX left me on hold claiming to get a supervisor. They just keep talking not allowing me to tell them to stop calling. They do n't care what you say they just keep talking over you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$2000.00} inaccurate information is being reported please view the account it show error in the past due days 30,60,90 it dont add up. Please remove immediately
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX # XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2017, this debt for {$520.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$60000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX  - XXXX - XX/XX/XXXX - {$1100.00}
Product: Debt collection

Wakefield and Associates of XXXX Tennessee has a couple of medical debts that they say I owe and they have added money to the original amount billed by the doctor, I have contacted them but they will not change the amount.
Product: Credit card

I have sent payment from my XXXX account and was verified that the check was sent a number a weeks before Avant credited my account payments causing fees and a credit negative report. This has happened every time I don't use thier web site payment. Now I did a balance transfer to XXXX, and they received the funds weeks ago and haven't credited the payment.
Product: Credit card

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint regarding a financing arrangement through Synchrony Bank for a purchase made at Mattress Firm, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

In XX/XX/XXXX, I purchased several mattresses totaling {$3600.00}. The salesperson recommended using a 0 % interest financing plan through Synchrony Bank. The store staff processed the financing and set up automatic payments, ensuring we would pay regularly, similar to other store credit agreements weve used in the past. 

After two years of consistent payments, we noticed a sudden and unexplained increase in our balance. Specifically : XX/XX/XXXX : {$1600.00} XX/XX/XXXX : {$1500.00} XX/XX/XXXX : {$3700.00} Upon inquiry, we were told this increase was due to " Deferred Interest. '' However : At no point during the sale or financing arrangement were we clearly informed about deferred interest or the consequences of not paying off the balance in full by a certain date. 
Neither Mattress Firm nor Synchrony Bank warned us about this risk at any point during the process. 
To prevent further charges, we opted to pay off the remaining balance in full. However, I believe this practice is fundamentally deceptive. It feels like we have been misled and financially exploited. 

Both the vendor ( Mattress Firm ) and Synchrony Bank maintain that they are legally justified in applying these charges, but I firmly believe their practices were not transparent and took advantage of unclear or hidden terms. 

I kindly ask the CFPB to investigate this matter and ensure that companies like Synchrony Bank and Mattress Firm are held accountable for deceptive lending practices that harm consumers. 

Thank you for your time and consideration. I am happy to provide any additional documentation needed to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX are both currently reporting the same debt collection on my credit file. They are DOUBLE reporting and this is in clear VIOLATION of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them 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
Product: Credit reporting or other personal consumer reports

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT ITEMS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 I did not consent, nor did I authorize and nor did I benefit from the following accounts. They are fraud and remove them immediately
Product: Checking or savings account

Chase failed to protect me as a consumer and gave incorrect information in how it relates to filing a claim for a purchase on my account. I made a purchase which I was told by the company had not gone thru due to a verification issue on the bank 's end. They indicated that the initial charge was just temporary and would be released in a few days and that my order was cancelled. After a few days I called back and was told that it needed a few more days for fall off the system and that it was based on the issuing bank for specific time frame. When i contacted my bank I was told by chase that I was required to wait until the merchant issued a credit for a cancelled order which was according to XXXX guidelines. I explained that information is only correct when the cancellation is requested by the customer, when the merchant cancels the order the consumer is NOT required to wait any period of time to file a claim and all that of information can be found in XXXX guidelines. Regardless of this Chase was adamant that I had to wait, per XXXX guidelines, I asked them to send me this documentation that said this which they refused to do. I was forced to wait weeks beyond what I already waited to have the claim filed. When the claim was filed I asked if I needed to provide any documentation or any affidavit/statement of facts to which they said they would contact me if any additional info was required. Many weeks later i checked my account to find that it was over drawn the amount that was credited back for the order I never got and when I called chase they said that they sent me two letters once stipulating that the merchant disputed the claim saying that they showed it was delivered and also that they sent a letter saying the credit would be reversed. I have the letter that they sent about the reversal but nothing about the merchant response. The letter about the reversal came AFTER they had already overdrawn my account despite notice is required to be given at least 10 business days prior to debit account, thus another violation. I asked the rep to check my signature that is on file and easily compared to the one that i supposedly signed and she indicated that they did n't match. This is utter nonsense. Chase failed to comply with the guidelines set in place for handling claims and I am not out almost {$3500.00} because of it. I want this rectified immediately and my funds returned otherwise a legal suit will follow.
Product: Credit reporting or other personal consumer reports

I am a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. 
I have no knowledge how the theft took place. I also have no awareness of any suspects. 
I did not obtain any money, goods, or services as an outcome of identity theft. 
Please remove the following accounts : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$200.00} XXXX XXXXXXXX Date Opened : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$3800.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent a letter to the credit bureau around XX/XX/XXXX and never received a response. It's as if they are ignoring my requests and violating my FCRA rights by not investigating the inaccurate information on my credit report. This is extremely frustrating and stopping me from pursuing my dreams of home ownership. Why are they doing this to me? I just want them to respond or remove the inaccurate information.
Product: Debt collection

In 2023, I was notified by a company called January Technologies for a debt that was not mine. They kept emailing me and calling me, harassing me about payments that I did not owe.I sent a letter on XX/XX/2023 via email to the agency disputing the debt in question and requesting verification as per my rights under the FDCPA. According to my records, this letter was received by the office on the same day because they acknowledged it was received by the office and should have triggered the 30-day timeframe within which they were obligated to provide the requested verification. 

However, to my surprise, I received a response from your agency on XX/XX/2023, which is well beyond the 30-day period mandated by the FDCPA I sent a letter XX/XX/XXXX to ask for verification of the debt and where it came from.This delay in providing verification is not only a violation of the law but also raises concerns about the accuracy and legitimacy of the alleged debt. Additionally, it has come to my attention that there are strong indications of falsification of the debt by your chosen debt collection agency. The FDCPA explicitly prohibits debt collectors from using deceptive, unfair, or unconscionable practices when attempting to collect a debt. Falsifying or misrepresenting the existence, amount, or nature of a debt is a clear violation of this law. 

They have provided a log in lin which does not work. They have yet to provide information that is valid.
Product: Debt collection

In XXXX, XXXX and XXXX the entire month everyday, XXXX XXXX XXXX contacted my family members telling them that they were a law firm and that they were calling about a XXXX and if they would n't tell them about my whereabouts that this could escalate to me doing jail time and possibly them getting in trouble for not giving them the information that they asked for. The person name was XXXX. He contacted people that I did n't know on XXXX with the same information and I have the messages showing that they told the person that they did not know me and they kept persisting that they did. Threatening them as well. This is illegal and they should not be collecting if they can not follow the laws and regulations. They overstepped their boundaries when they discussed my personal information with my friends, family, and XXXX friends. My mother is elderly and they had her all upset telling her that I would be arrested and face prison time. THIS IS XXXX. I will also seek legal ramifications because everyone that they contacted will testify against them. I 'm in the process of filing Bankruptcy and I 'm already XXXX and dXXXX. This is the last thing that I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Product: Credit reporting

Disputed about XXXX Hard Credit inquiries on my credit report that were not made by me, Transunion did not remove those hard inquires of my report, nor did i get a reply or any kind of update on my complaint. 
I also have XXXX different XXXX accounts on my credit report, i have never had XXXX different accounts with them and those impact my credit negative
Product: Credit card

1.There are charges on my Synchrony Amazon store card that I didnt purchase. 2. Synchrony reversed some of the charges. 3. Now, even though I closed my Synchrony Amazon credit card and my Amazon account, I am being re-charged for purchases I never ordered. 4. I am also still owed a refund of XXXX for sneakers that were returned. I provided proof of the
return.
Product: Checking or savings account

In XXXX I deposited XXXX dollars in my Wells Fargo account and they closed my account and said it was fraud and I also had XXXX in my account already and I never received any of my money from them because they closed my account
Product: Credit reporting or other personal consumer reports

XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Product: Credit card

My Avant credit card was 60 days late due to a my medical issue. On XX/XX/2023 I finally was able to catch up and could only make a {$50.00} payment on a payment plan online. I did so. Then on XX/XX/XXXX  I made a {$300.00} payment. My Avant card was then all caught up and all done on line. 

My account, as of XX/XX/2023, was locked and I called Customer Service and was told that my account would come off hold in a day or so. 

On XX/XX/2023 I received a credit alert. Looking at my reports, Avant closed my account. In calling them that same day, and spending over 1 hour on the phone, and speaking with a Customer Service Rep and a Payments Dept Rep, I was told it was closed due to a Payment Plan. That an email was sent to me XX/XX/2023!! 

I assured the reps that NO WHERE, on their website did it state my account would be closed. And now my credit report reflects the account closed. 

In speaking further with the Payment Rep, she too stated my account was closed due the payment plan. She then went on to say I CALLED IN to make this payment plan! I only have a cell phone and can prove I never made any such call!!