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

I submitted a claim to claims department due to a charge of $XXXX being charged to my account that wasn’t authorized by me. The merchant refunded the money back after claims department did temporary credit as well as an over draft free of $XXXX. A month later even with the merchant refunded the money Bank of America took the money back even tho the money from the merchant was never added back into my account. So now they have not given me $XXXX and the $XXXX that was supposed to be taken out of my account. They never sent me any paperwork so when they took it back i went to back and finish paperwork for the claim to get the money back and no one is giving any answers.
Product: Debt collection

On XX/XX/XXXX at approximately XXXX pm I called Telerecovery of Louisiana and spoke with a collection agent by the name of XXXX. I informed her that I have not received and correspondents in regards to the disputes I submitted through the credit bureaus. XXXX confirmed that they revived my disputes and request for validation of the debt from the bureaus on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX But she had no idea why the collection agency never followed up with my disputes. I then informed the agent that I requested debt validation and she stated to me that she could only send a generic form and had nothing in writing nor any legal documentation showing that I owed the debt. After being unable to help me, The agent, XXXX transferred me over to her supervisors voicemail to leave a message. I left a message but have yet to receive a call back not any legal documents verifying the debt that is being reported by their agency on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX  and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX. 
They did not provide me with the original application like I asked. 
Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. Thank you!
Product: Credit reporting or other personal consumer reports

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

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account showing on my TransUnion credit report starting in XX/XX/XXXX. I contacted the company which was reporting and they sent me letter saying my account was closed in XX/XX/XXXX. I sent TransUnion a letter to prove so. It did n't fix the problem. They said it was not the same account. I called the company with the account number provided. Not only did they say that the account number was not mine, it did n't even exist in their system at all. I then disputed with TransUnion that it was not my account. Since the company shows my account number and that one being different, and the company also shows this account does n't exist on their system. TransUnion has disregarded my attempt to dispute this item. This is fraud and I am pissed.this is affecting my credit score!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX - XXXX On XX/XX/XXXX, I paid XXXX to settle the account. The account is paid in full and is closed. The charge off for XXXX has not been updated. I contacted Experian on XX/XX/XXXX, opened disputes, and sent the settlement letter from XXXX by mail on XX/XX/XXXX. I spoke with a representative on XX/XX/XXXX from Experian and they stated that they are unable to update the chargeoff as Paid. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I would like for Experian to remove the tradeline. If they are unable to, I would like for Experian to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX, USPS Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.
Product: Credit card or prepaid card

Discover Card XXXX, failed to uphold their due diligence in providing me the consumer ample and timely notification of required payments that are to be made to satisfy payment on the account and prevent it from reaching a late payment status, in XXXX of 2021 this account was placed with XXXX XXXX XXXX XXXX ( not a collection agency ) for repayment through payments through the service, thereafter upon checking my credit report, Discover Card reported this account as closed, regardless of the nature, I still agreed to be making payments to the service acknowledging the possibility it was still open. It was until examining my credit report a late payment remark of 30 days was made, I contacted Discover Card to please rectify the status in good faith as a mistake on both parties, me the consumer, and Discover Credit Card failing to make multiple attempts to either email me, call me, or send me a letter in the mail, the customer service team rather becomes defensive and argues then acknowledging any mistake, and that they send me paperless statement which I never receive emails from Discover Card or any late warnings. I am very disappointed and aggravated with the poor customer service I received from Discover Card 's inability to file an internal dispute toward my referenced above complaint to remedy the issue... and if you look back at the chat history it really frustrates me more then when I was late after the first billing cycle Discover Card didn't initiate any sort of contact to rectify the late status with my account...
Product: Credit reporting or other personal consumer reports

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, I DO NOT HAVE A CONTRACT WITH XXXX XXXX XXXX. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED. I DO NOT HAVE A CONTRACT WITH XXXX XXXX THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT. 

I requested that all negative items to be remove from my XXXX, XXXX XXXX XXXX XXXX XXXX credit report. I in fact asked the companies to provide me with all documentation that they have which proves that I owe any debts for the account that is reporting as a collection account. Any documentation requesting for my credit report to be pulled resulting in a hard inquiry. This information is damaging my credit reputation and I am unable to obtain financing for my household. 
I do not agree with the information that these companies are reporting on my credit and I ask for it to be to removed it permanently.
Product: Checking or savings account

On X/XX/17 my account overdrew however I had the funds in my savings account to cover the transaction. Wells Fargo then charged me a XXXX overdraft transfer fee since they moved the funds from my savings account to my checking account. Then I had a transaction that hit my account which caused my account to overdraw once again and was charged a {$35.00} overdraft fee. Upon calling the bank, I was transferred to a different department where I voiced my concerns. Upon threatening to report to CFPB the rep didnt even know what I was talking about. She placed me on hold to notate the account then she then proceeded to tell me about the convenient services that I was signed up for and explained the fees. I told her it was n't very convenient beings that I was being charged to move my own money from one account to another. At that point I removed overdraft protection from my account and the rep agreed to waive the {$12.00} and half of my over draft fee. I told her I wanted the whole fee waived since I would have never had it in the first place if I wasnt charged the XXXX. She would not agree so I asked for her supervisor, she stated that she was the highest level of personnel I could get, I did mention that it was sad since she didnt even know what the CFPB was and that I was still going to file the complaint.
Product: Credit reporting or other personal consumer reports

I have XXXX credit cards with XXXX  XXXX. During the beginning of the Covid 19 pandemic, I lost both sources of income. I was working as a XXXX XXXX XXXX XXXX and an XXXX XXXX at XXXX XXXX over Georgia. I was unable to make the credit card payments in XXXX and XX/XX/XXXX and it was reported on my report as late payments. I contacted XXXX XXXX and was informed that the late payments were valid and could not be updated. I inquired about the CARES Act regarding late payments due to being impacted by job/income loss. 

I recently spoke with a representative at XXXX  XXXX on XX/XX/XXXX regarding the possibility of having the late payments removed due being impacted by COVID 19 pandemic and my request was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$540.00} / XX/XX/2022
Product: Student loan

My student loan was transferred over to company called XXXX. I called to make my first payment on XX/XX/2024 at XXXXXXXX XXXX and spoke to a man named XXXX he would not provide me his last name. I wanted to make a payment of XXXX $ over the phone and he processed my payment. I went to check my loan balance and it is still the same balance. When I called again they said the person who took my payment did it wrong and they will notate the account and try to switch the payment over to my new account. Its been a couple months and the problem still hasnt been resolved. I would like to make more payments but I dont feel comfortable doing it with that company if they cant even process a small payment of XXXX XXXX
Product: Credit reporting or other personal consumer reports

Theres an account on my Innovis credit report called XXXX XXXX XXXX XXXX XXXX individual XXXX  loan Account # XXXX that is in a charge off status that I want to dispute. The account was opened XX/XX/XXXX and was closed XX/XX/XXXX with XXXX term duration. I want to dispute this account for 2 reasons. The first being that I XXXX XXXX XXXX XXXX XXXX XXXX in XXXX but the credit report says that this account was opened on XX/XX/XXXX when I was not even in the school  at the that time. The second reason I want to dispute this account ending XXXX is because I had XXXX XXXX and a XXXX XXXX XXXX when I attended the XXXX XXXX XXXX. I did not take out any private loans for XXXX  XXXX. I also already consolidated all of my XXXX XXXX loans and my servicer for that is XXXX in accordance to the federalstudentaid.gov website. It also says that this account will be deleted on XX/XX/XXXX but it should be deleted now because I was not in the school when this account was opened. Im going to include my U.S. Passport, Massachusetts ID, Social Security Card and a copy of my Innovis Credit report to help prove that this account should be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC XXXXb regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Product: Checking or savings account

I opened a business account for my business and noticed that it lists my name instead of my business. When I called to have this fixed they told me I have to go in person, there is no bank working XXXX miles of me. They told me they would look into it transferred me multiple times then hung up on me.
Product: Debt collection

On XX/XX/XXXX, I made a complaint with the CFPB complaint # XXXX for the company American Profit Recovery , Inc . I successfully had this information removed from all XXXX of my consumer reporting files due to their committing of a prior violation. 

On XX/XX/XXXX, American Profit Recovery , Inc. is a attempting to re-age this account by sending a bill. They did not furnish " Forward Flow Agreement '' or " Chain of Assignment. '' Please note that Consumer protection laws, such as the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), prohibit illegal re-aging of accounts, which involves manipulating the date of last activity to extend the time negative information remains on a credit report. These laws ensure that creditors report accurate information and protect consumers from unfair practices. 

I have filed yet another report to the Federal Trade Commission as this matter needs to be thoroughly investigated. My statement to the FTC : FTC XXXX Report Statement is as Follows : American Profit Recovery , Inc. has repeatedly attempted to connect me to an account that does not belong to me. I have exhausted all efforts known to me to have them to furnish proof of how they came to obtain my private information, and that they are in violation of my rights, and that they are to cease and desist, and to not unlawfully report this inaccurate and fraudulent information on any of my consumer reports.
Product: Checking or savings account

I opened my Wells Fargo checking account last XX/XX/XXXX. At that time there was a {$200.00} promotion attached to the account after 3 direct deposits totaling {$1500.00}. This requirement was met by me but the bonus was not credited. I sent an online message inquiring about the status of the bonus and was informed that the bonus could not be credited because the bank was missing a form that they needed me to go into a branch and sign first. I went into a branch and signed this form. The bonus was still not credited and when I asked about it again online, I was told that I had not met the requirements. Frustrated with my Wells Fargo experience, I sent an online request to close my checking account on XX/XX/18. At that time, I had a balance of {$1500.00} in the account. A check was supposed to be mailed to home within 14 business days. 

When the check did not arrive, I sent an online message again inquiring about the status of my check and was told that I had to go to a branch to sign an affidavit. After signing the affidavit on XX/XX/18, I was told that because the branch manager was gone for the day, I would not be able to get my money that day and told to come back another day. I re-visited the branch on XX/XX/18 and was told that in order for them to process another check for me, there would be a {$30.00} fee for canceling the check that I had never received and that they would be unable to process my check that day. 

At this point, my Wells Fargo account has been closed for over 1 month but I still have not been able to obtain my own money from my own checking account. Further, not only did Wells Fargo not honor their promotion, they are now attempting to charge me fees in order to reclaim the money that I had deposited with them. Given their deceptive and highly unethical business practices, I felt compelled to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your reinvestigation results and found that you are still reporting inaccurate and unfair information. Your company stated that the information was verified. 
Pursuant to 15 USC 1681 ( a ) ( b ) - Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. These alleged transactions that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( l ). 
It is your grave responsibility to report accurate and fair information. 

Please provide me with your method of verification. Under me requesting your method of verification, I want to know who you spoke to. I want to know if this information was factual. I want to know who you interviewed and who you got it from. You did not interview my neighbors, friends, or associates. If you did, I want their exact name and address and I want a detailed description of what happened. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Ive been denied credit because of what youre reporting. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me with a copy of verifiable proof as requested, you must DELETE the account listed below. By law, you have 15 days to respond. 


ACCOUNT : Creditors Name : XXXX Account Number : XXXX Please delete Creditors Name : XXXX Account Number : XXXX Please delete Creditors Name : XXXX XXXX XXXX I Account XXXX Please delete Creditors Name : XXXX XXXX XXXX Account Number : XXXX Please delete Creditors Name : XXXX XXXX Account Number : XXXX Please delete Creditors Name : XXXX XXXX XXXX Account Number : XXXX Please delete Creditors Name : XXXX XXXX XXXX Account Number : XXXX Please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax please remove this account XXXX from my credit file discover is still in violation for failure to enter who has the account see there statement below the law is very very clear! I dont care if you received it back from there or stick it up your rear end you are still in violation and you need to remove this from all four reporting agencies seriously the law is very very clear. 

Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re :  XXXX XXXX ending in XXXX Consumer Financial Protection Bureau Case Number : XXXX, XXXX, XXXX, XXXX and XXXX Dear XXXX XXXX : We are in receipt of recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been referred to my attention within the Executive Office of Customer Advocacy at XXXX. We appreciate you bringing your concerns to our attention. Our records reflect that your account was previously placed with XXXX XXXX XXXX, for further collection attempts on our behalf. We note that you included a letter dated XX/XX/XXXX from XXXX XXXX XXXX  within your CFPB correspondence, indicating that the account was returned back to XXXX. We have contacted XXXX XXXX XXXX  and have confirmed that the account was still placed with them ; however, it will be recalled and placed back with XXXX, as of the date of this letter. Please contact XXXX at XXXX if you would like to discuss repayment. Our records indicate that a Cease and Desist was placed on your account on XX/XX/XXXX per your request. We have confirmed that your account is reporting accurately to the credit reporting agencies. We are unable to honor you request to remove the tradeline as it is an accurate representation of what occurred. We are required to report accurate information to the credit reporting agencies. The credit reporting agencies we report to are : XXXX XXXX Equifax XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX PA XXXX XXXX GA XXXX XXXX TX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Additionally, regarding your concerns of the dispute flag reporting for the above referenced account ; we have responded several times previously and our position remains unchanged. When updates are sent to the credit reporting agencies, the information shown is the most current information updated. In this instance, the latest dispute flag is updated and does not reflect the initial dispute flag previously reported for your account. Please understand that this matter is final and we may not respond in the future, regarding this matter. Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX XXXX to XXXX XXXX, ET. Sincerely, XXXX XXXX Executive Office of Customer Advocacy CC : CFPB
Product: Credit reporting or other personal consumer reports

I sent out letters to all bureaus and still have yet to receive a reply. It has been more than XXXX XXXX days since I mailed dispute letters. And over XXXX XXXX days since my last complaint filed with cfpb. And yet I still havent heard anything. Nor has the problem been resolved. My rights are being violated. And I refuse to allow more time for them to try and correct the inaccurate information. When the laws clearly state the allocated time they have and what will occur if situation is not handled appropriately. I wish to have all inaccurate information removed and I request compensation for the stress and duress this process has put me under. 15 USC 1681 s2 ( A ) ( 1 ) clearly states that 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! I have in my possession U.S. Postal Service CERTIFIED MAIL RECIEPTS. Dated XX/XX/year>. That were mailed to all three reporting agency asking for a correspondence and proof of these accounts through certified mail. And I have yet to receive a response. Supporting their claims. And then I also sent an cfpb complaint on XX/XX/year> and still have yet to receive any letters or documentation proving that I am obligated and have a contract with the companies who are reporting these inaccuracies. The allocated time has expired.