23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I made a {$1000.00} electronic payment from my bank account to Synchrony Bank for my Care Credit account. On XX/XX/XXXX the payment posted to my account but when I checked my available balance on XX/XX/XXXX it did not reflect that recent payment. I called customer service and they said they had it but would hold the payment for 10 days before it will reflect on my available balance. This is not a paper check this is an electronic payment where they have cash in hand and won't give me credit. 

I have never seen a company do this to people. This is a medical credit card and I'm waiting to move forward on medical procedures.
Product: Credit reporting or other personal consumer reports

According to fair credit reporting act these creditors have violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Debt collection

Ive been getting my collection denied from Experian, but they havent been doing the right type of investigation
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of several accounts on my credit report that I do not recognize and have no knowledge of. The accounts in question are listed under the following names : XXXX XXXX Account Number XXXX XXXX  ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX I have thoroughly reviewed my credit report and can confirm that I have no recollection or record of opening or being associated with these accounts. Additionally, I have not received any prior communication, billing statements, or notifications from these entities that would indicate I owe any debt or have any financial obligation to them. 

Given that these accounts appear to be erroneous or potentially fraudulent, I am requesting an immediate investigation into their legitimacy. If these accounts are found to be reported in error or associated with identity theft, I kindly ask that they be removed from my credit report without delay. 

Please keep me informed of the progress and outcome of your investigation. I would appreciate it if you could provide me with any documentation or information you may have regarding these accounts to help resolve this issue as quickly as possible. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter XX/XX/XXXX and havent received a response. Im disturbed by the incorrect information on my profile. Payments are not up to date and i have missing and inaccurate information on there. Which is all explained in my dispute letter. However it been over 30 day and I havent received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 I have sent TransUnion 4 letters regarding incorrect personal information and identified FCRA Violations and Non METRO2 Compliance. After reviewing my credit report almost 3 months later I became aware that no changes have been made and there have not received any investigation results. According to 15 U.S. Code 1681i TransUnion is supposed to delete the disputed items during a full and complete investigation. TransUnion violated this federal law. TransUnion is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given TransUnion to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to { {$1000.00} } per violation. Please note that I will not hesitate to file a suit against TransUnion for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an unsolicited call from a RocketMortgage specialist on XX/XX/2022 at around XXXX XXXX. The mortgage specialist, XXXX, proceeded to railroad me into conversations about a refinance that I had no interest in, and then pulled a credit report without my consent. Once I realized that my credit had been pulled I let the agent know that I had not consented and ended the call.
Product: Credit reporting or other personal consumer reports

On different occasions I have disputed the collection account of XXXX XXXX XXXX XXXX that erroneously appears on my TRANSUNION credit report without having an effective response to the request, and I even made an identity theft report that I also sent but it is observed by TRANSUNION that they did not carry out an efficient investigation to determine that those accounts that appear on my XXXX  XXXX XXXX XXXX credit report do not belong to me and they even put an address on the card account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other companies XXXX and XXXX and that is why I request that these erroneous accounts that appear in TRANSUNION be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX. This information below is the wrong information shown on TRANSUNION. XXXX XXXX XXXX XXXX Remove from my credit XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX Remove from my credit XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX Remove from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX XXXXs on the web and they say it is not available due to the website being down. I think it is because they are still fighting issues from being " hacked '' When I call the Bank that is reporting my companies credit to XXXX all they say is to go on line and file a complaint. The Bank is  XXXX XXXX XXXX  out of XXXX XXXX, IN. I have asked them to clean up the fraudulent errors on my companies credit report and they refuse to help the situation. 

My Company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been arguing with them for over 1 year on the fraudulent reporting of payments made. My loan is current and I am paying a high interest rate.
Product: Bank account or service

RE : XXXX XXXX my accounts where set up to lose Money from the beginning there were never a sum in basic math of my checking accounts and all of my accounts. When I left and went to the bank I 'm with now I could see a very big difference in how it 's fair and safe. I was losing money for XXXX years just in my checking. Any one that could see my bank accounts it could easily be seen as I have with my new bank accounts I did not lose a penny from my new accounts. This is XXXX of dollars over the years. I have had other accounts. A credit card which is called a revolving account which I have paid off over and over again till the stilling was just out of control from my deposits many stolen as it entered my account ever month more then Enough to handle these accounts which I did for three years before the theft. There was also another were I signed for which I signed for a loan one of the largest accounts with Well Forgo paid it twice then learned it was a revolving account not what I asked for and or signed. Have all ready shown me a fraud letter with a signature that is not mine that is Identity Theft of XXXX of dollars.
Product: Credit card or prepaid card

I received a pre paid card in my name that I did NOT request, want or consent to receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX charged off my second mortgage in XX/XX/XXXX and then continue to report 150 day lates in XX/XX/XXXX. From the date they charged off the account from their books they can't report lates beyond that date. I am retaining an attorney and they advised I submit a complaint to the CFPB prior to us taking legal action so they have the opportunity to correct the illegal reporting prior to litigation. See the snapshot of my credit report that I attached.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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 card

Dear CFPB, I am writing this letter to lodge a complaint against Wells Fargo Bank for abusing their position by setting a trap to disable my linked payment card on the due date, allowing them to profit from daily interest rates of over 20 %. I am deeply concerned about this matter. 

On XX/XX/XXXX, which is the interest-free due date for my credit card, I made a timely payment using my linked payment card, which had been successfully used for payments multiple times before. Astonishingly, Wells Fargo chose this moment to unlink my payment card, revealing a sinister side of capitalism that sets traps to extract exorbitant interest rates of over 20 %, all while preventing me from making a manual payment. 

I have consistently made on-time payments, and my statements confirm the success of these payments. On XX/XX/XXXX, I contacted the bank via telephone, and they informed me that an explanation would be provided by the Office of the President. My XXXX XXXX savings payment card has more than sufficient funds, and I made no alterations to its settings. 

I hereby file this complaint and request that the bank promptly restore my linked card so that I can make manual payments once again. Additionally, any interest or adverse effects on my credit score resulting from Wells Fargos error must be rectified by Wells Fargo. 

I implore the relevant authorities to oversee and manage this situation, as this is the second occurrence of the same issue. 

Sincerely, XXXX
Product: Checking or savings account

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Kindly remove and block. 
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away.
Product: Debt collection

This is a follow up for our conversation XX/XX/2019 It is my understanding that XXXX XXXX XXXX, incorrectly billed XXXX for my services. Instead of billing the XXXX   account the Commercial was billed. Once it was rejected the claim was sent Credit Collection Services to collect the debt. 
I contacted my insurance after receiving a phone all earlier this month from Credit Collection Services attempting to collect the debt on behalf of XXXX XXXX. I revoked the right to call and requested all correspondence be sent by mail. After explaining to XXXX XXXX XXXX and XXXX XXXX that I was contacted by Credit Collection Services they began to investigate. It was discovered that XXXX XXXX hadnt billed them for them for the service at all. She also stated that this service was covered and is included in my insurance policy. She stated they must have billed the wrong account. Together we called Collection Credit Services. We tried to explain the errors, but the agent XXXX XXXX wasnt of very much help. She tried to collect the debt several times and offered payment with reimbursement if errors were found as a remedy. During this phone call I also revoked their right to call me on my personal cell ( again ) and request any correspondence be done by mail. She attempted to confirm a phone number for contact but provided the wrong number. I informed her that the number on file was wrong and provided the correct number. I requested a manager to aid the situation. After speaking to the manager and the errors we acknowledged she apologize and stated that I didnt have to worry about the debt. My insurance then proceeded to call XXXX XXXX had them bill the correct account. I have yet to receive this acknowledgment of errors in writing confirming that my account has been taken out of collections. 
As a result, the actions of Credit Collection Services display willful noncompliance and several FCRA and FDCPA violations. The agent attempted to collect an unvalidated debt while my insurance company and I were trying to confirm and remedy a billing error. If I had attempted to pay the debt or made a promise to pay, I would have forfeited my right to later sue for the debt. Not once was I notified of my rights. CCS also failed to validate the debt. If CCS had current ownership or were hired to collect the debt the liability falls on CCS.

I lawfully seek actual damages, statutory damages and damages under Indiana Fair debt collection, FCRA and FDCPA laws.

I also have formally filed a grievance with my insurance company, a complaint to the CFPB and Indian States Attorney Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

In an attempt to clean up my credit report I reached out to the 3 credit reporting agencies XXXX, XXXX, and Transunion. I expressed to them that the accounts CITICARDS XXXX account # XXXX and XXXX XXXX XXXX XXXX account # XXXX are reporting information that isn't 100 % accurate and also are violating my consumer rights with multiple violations. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

I also came across the Ftc website more specifically the Gramm-leach-Bililey act and it states that 3 different disclosures needs to be given before my information is allowed to be sent to any public record, in which I never gave XXXX XXXX nor XXXXXXXX XXXX XXXX XXXX permission to do so. I expressed my concern to the reporting agencies as to look into the matter as it pertains to my name and affects my circumstances.
Product: Credit card

The name of the credit card company is called advent credit card. I had a payment minimum payment of {$25.00} due on XX/XX/XXXX. I paid it on the XXXX. I was looking at my bank statements today and I noticed there was not a try friends action for the payment I made on the XXXX. When I looked on the app for the credit card it was saying that I still need to make a payment for the XXXX. I called the company I made the payment and according to the credit card company a payment was sent on the XXXX by me and it was declined by my bank. I told them I don't know why I had the money in the back. So they told me because I was 1 day late making the payment that it's gon na show up on my credit history and I'm gon na be hit with the late payment fee 5 days from now. I went to the bank and I got the papers as well as the email to me that they received no transaction from them on the XXXX regarding any kind of payment. Because of that the bank is saying it is not their full because my credit card company didn't do any kind a transaction with my bank. Now the card the debit card I used to pay for my minimum credit card balance of {$25.00} was the same credit card that I used when I paid on the XXXX as well. If I forgot to tell you the credit card company also told me which I have proof of that they sent me an email on the XXXX saying that my debt card was denied. The credit card company is telling me it doesn't matter what proof you have from the bank you're still gon na get hit with the late XXXX and it's still going to be reported that you paid late.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX has sent me a letter that I requested to delete my information from them and any credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I have accounts on my credit report that have not gone off of my credit that is closed or paid in full and I have disputed them but I get no answer. They also told me when I talked to them the accounts will be removed within 30 days and never did.
Product: Credit reporting or other personal consumer reports

The stated account with XXXX XXXX XXXX  does not belong to me it is a fraudulent account and it isnt even under my name please delete this account
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

I have been getting phone calls from a company claiming to be aargon collection agency using my fathers name. They keep harassing my phone number and call from different lines in Kentucky. When I call the number back they do not identify themselves nor want to provide contact information. They are very rude aggressive and unprofessional, I went on their website to submit an inquiry and they respond back without a signature line. When I asked for their information they mention that under federal regulations they are not allowed to provide that information. When I submitted an inquiry they mentioned MS . MALE NAME - they want to speak with a SHE but reference a male name which makes no sense.
Product: Debt collection

Wells Fargo Card Services was paid in full in 2017, regarding and alleged account ending in XXXX, they are harassing me by continuing to report a damaging account on my consumer report and it has caused me damages and denials of credit, they are in violation of 15 USC 1692d harassment or abuse. In accordance with 15 USC 1692a the term creditor is a natural person and thats the law. I am enforcing my rights according to 15 USC 1640 civil liability for the amount of {$2000.00} from Wells Fargo Card Services for damages
Product: Debt collection

KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.
Product: Credit card

It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending certified, return receipt letters to XXXX on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$380.00} from Rash Curtis & Associates, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long XXXX  is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score,  as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by XXXX, I am seeking that this particular inaccurate assumption is removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # : XXXX
Product: Debt or credit management

Hello I have a big problem going on with my chase bank they just keep saying sorry and not doing anything my friends sending me money and from my account I can not send it to my landlord and he is waiting for the rent XXXX chase bank is not doing anything I need help to fix this with them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX Has violated my rights. XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Auto Loan XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 36 High Credit : {$10000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Repossession Last Reported : XX/XX/XXXX Comments : Voluntary repossession Returned voluntarily Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX