23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo incorrectly applied an automatic biweekly payment, charged me a late fee, accused me of being two months behind, and harassed me at my place of employment. 

Wells Fargo misapplied my 2nd biweekly payment XX/XX/XXXX, wanted to charge me a resulting late fee and was telling me I was two months late on my mortgage ( XX/XX/XXXX & XX/XX/XXXX ) ; today is XX/XX/XXXX! It is absurd that they are calling it late and the day is n't even over! 

In XX/XX/XXXX XXXX payments should have been made, one on XX/XX/XXXX ( was correctly taken out ) and another payment on XX/XX/XXXX, which was not debited from my checking account. 

They made no attempts to call me at my primary number or by mail, but instead opted to call me at work to harass XXXX payments out of me. 

Note : Wells Fargo may be doing this to make up for loss of revenue due to the fraud committed by it 's executives and employees. When I mentioned I would contact the CFPB I was placed on hold and was cut off. I had to call back to proceed any further.
Product: Credit reporting, credit repair services, or other personal consumer reports

good day i sent a affidavit on XXXX notify XXXX and equifax that they were in violations of the Pursuant to FCRA : 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] this specific accounts have been inaccuracy reporting on my credit file. 
I sent EXHIBIT A, B, C showing that CREDIT REPORTING XXXX XXXX removed the public record bankruptcy from my credit file which in turn made XXXX and equifax reporting this account inaccuracy on my file. i sent letters showing that they are now in violations of 15 U.S.C. 1681i ]. XXXX update the file
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are reporting an account on my credit report wrong, the name of the creditor is inaccurate, the account was sold to a different company, EXPERIAN is reporting the account as XXXX XXXX/XXXX  XXXX, XXXX  is reporting the account as XXXX XXXX  XXXX. Please delete the account as it is affecting my credit worthiness, the FCRA says that by federal law everything on my credit report needs to be 100 % accurate.
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 Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number: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, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX  XXXX, XXXX XXXX. There are also some inquiries that I'm not aware of XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.
Product: Credit reporting or other personal consumer reports

This is my OTHER 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, LA XXXX XXXX XXXX XXXX AV XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was going over my report and found AFNI # XXXX listed on my credit file. I have never seen this account. I have no knowledge or memory of it. I am demanding a investigation of this information. I need to do my own research as well. I am requesting a CEASE AND DESIST until I can further go over the records or contracts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a balance of {$890.00} from my previous place of residence was transferred to my account with XXXX  XXXX XXXX at my new place of residence. After this balance was transferred to my account my utility service was suspended and I was left without power. Upon contacting the Power company ( XXXX XXXX XXXX ) I was informed that my power service could not be restored until I paid a portion of the balance. On XX/XX/XXXX I made a payment of {$700.00} to XXXX in turn restoring my electric service. The remaining balance was paid off through the following billing cycles. On XX/XX/XXXX L J Ross Associates Reported to my Credit Report that I had a debt in collections in the amount of {$890.00} with the original creditor listed as XXXX  XXXX XXXX. As described above, the balance was paid in order to restore utility service and is no longer owed. On XX/XX/XXXX I filed a formal dispute through XXXX  providing this same information, and on XX/XX/XXXX I received the results of this dispute and the information was still incorrect. Upon receiving this information, I immediately called XXXX  directly and submitted another dispute over the phone on XX/XX/XXXX. Once again on XX/XX/XXXX the dispute results were returned and L J Ross Associates again failed to properly update the Information as the status column stated " unpaid '' the balance amount column stated " {$890.00} '' and the date of last payment column remains blank. This debt does not exist and must be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, I never gave CAPITAL ONE permission nor the right to report on my consumer report & the fact that this account is reporting on my credit report without any written permission is against the law. This is a violation as well as identity theft. Please reverse this 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 instructions of the consumer to whom it relates. Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts from my consumer report : CAPITAL ONE : XXXX****
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have been a victim of identity theft. Fraudster ( s ) have tempered my information ie SSN, date of birth, address and / or name, and applied for credit applications. 

Financial institutions : XXXX, XXXX XXXX, Sychrony Bank, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Merchants { XXXX, Lowe 's XXXX XXXX XXXX XXXX XXXX and Mattress Firm }. 

I have reported fraud to all Banks and Merchants as noted above. 

Today, I was notified by family member that my information is misused with Synchrony Bank and applied for addt'l credit application with Lowe 's and Mattress Firm. Credit application was issued from Sychrony Bank located from XXXX XXXX XXXX, XXXX FL XXXX. Sychrony Bank had assured me that my social security and information will be frozen and alerted within their Fraud Department. Yet, today Synchrony Bank is allowing application approval { in-person or online }. I would like to report Synchrony Bank continued for failing to protect my identity when I have reported numerous times. I have placed a credit freezes on my credit report with three report agencies : XXXX, XXXX and XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 
Please remove the following items from my credit report immediately : Experian Equifax TransUnion
Product: Checking or savings account

My accounts at Citibank were restricted because of the need for the XXXX process. I completed the required XXXX  process from Citibank on the morning of XX/XX/year> through a phone call from XXXX to XXXX XXXX. The representative assured that the process is complete and my account was unrestricted. I attempted to complete a financial transaction that was very important to relieving my financial issues today ( XX/XX/year> ) and was unable to complete it because my Citibank account was now blocked. I called the XXXX department at about XXXX and the representative verified that the information needed is provided but the person/department responsible did not get around to processing my information so my account needs the be blocked with the threat of closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

there was 2 accounts opened through XXXX dated on XX/XX/XXXX in the amount of {$97000.00} and XX/XX/XXXX in the amount of {$50000.00} these accounts are now charged off and these accounts was opened with out my consent or authorization because I was incarcerated from XX/XX/XXXX - XX/XX/XXXX
Product: Debt collection

I receive a notice from a. SST company that requisition to recover a debt I never acquired through them with an agreement I never made with set company treating to utilize remedies never agreed on
Product: Credit reporting or other personal consumer reports

CXXXX XXXX reached out via email to discuss a repossession matter over the phone. I dont feel the need to do that, because this matter should be resolved through consumers financial bureau . Again, I have a balance that XXXXXXXX XXXX  reported to the credit bureaus that I allegedly owe after the vehicle has been sold at an auction allegedly. By law, the first letter I shouldve received is a notice of intent to sell property. Once the lender has sold the vehicle, I shouldve received a letter called a deficiency notice. This letter is a statement to show proof of the sale, proceeds, repossession fees, the remaining balance fees. This vehicle has been repossessed in XX/XX/year> and still I have not received any of these letters. This goes against the FCRA laws, and should be removed off of my credit report for inaccuracy, and no proof of sale.
Product: Credit reporting or other personal consumer reports

verbiage 75 % XXXX The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them Turn on screen reader support To enable screen reader support, press XXXX To learn about keyboard shortcuts, press XXXX XXXX has left the document.
Product: Debt collection

Collection company is reporting that money is owed to XXXX. 
We do not owe money to XXXX, yet the collection company continues to report and pursue our family.
Product: Checking or savings account

On XX/XX/2024, I bought a refrigerator from XXXX XXXX. I returned it on XX/XX/2024, and the merchant issued a credit to my account. However, Capital One reported an error, claiming the merchant entered an incorrect expiration date. The transaction was processed via a card chip reader without any manual entries. XXXX XXXX 's staff, including managers, the bookkeeper, and IT personnel, confirmed that the funds were not returned following the rejection. This is my third encounter with this issue at Capital One, leading me to suspect that they are improperly withholding XXXX of dollars from consumers by alleging that they did not receive the returned funds. Enclosed are the documents from both the merchant and Capital One.
Product: Credit card or prepaid card

Hello Dear CFPB I am writing to ask your assistance to reopen my oldest account with Citi bank which they closed due to inactivity. I was never notified or informed anyway shape and form that my account will be closed if i do not use it otherwise i won't let this account to be closed. Its my oldest account and by closing this account my credit had very significant damage because it wiped out my credit history. Please Dear CFPB assist me to reopen this account which is very important for me and my credit. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX XXXX XXXX XXXX. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Product: Debt collection

I have been disputing a debt from XXXX XXXX represent by XXXX collections now for over a year, I never received notice of debit or was giving the opportunity to dispute this debit. I have called XXXX XXXX and had my insurance provider XXXX XXXX XXXX XXXX reach out to because any charges would have been covered by my insurance, but no one has produced a bill or documents, showing I had or authorized treatment. I have made these request through dispute resolution through the credit bureaus and well as XXXX yet nothing has been done about the lack of compliance with federal law.
Product: Debt collection

I pulled a copy of my credit report and to my surprise I noticed that the credit bureau is reporting a medical debt that keeps being sold to several collection agencies illegally. Each time it can't be verified it's sold to someone new this alleged debt they are reporting under my social security number. Being that I constantly check my credit report to ensure that the credit bureau only retain current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHTS to do so. I DID NOT AUTHORIZE the credit bureau to mis-report any mis-information now or ever. Equifax is reporting inaccurate incomplete information in regards to XXXX XXXX a medical account.
Product: Credit reporting or other personal consumer reports

From : XXXX XXXX to Trans Union 1. XXXX XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX  # XXXX 4. XXXX XXXX XXXX  # XXXX ( this just appeared, thus account was never reporting on my Trans Union prior to XX/XX/. Please remove and delete. 
I have formally requested the removal of the following information from my report : In XXXX, a XXXX XXXX card was opened under my name without authorization. I promptly contacted XXXX XXXX, requesting closure of the account due to its non-affiliation with me. Additionally, XXXX, identified as a collection agency for XXXX XXXX, does not represent any legitimate account of mine. Notably, both XXXX and XXXX have already expunged this information from my credit report and restricted XXXX XXXX 's access to my profile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ATTACHMENTS
Product: Credit reporting or other personal consumer reports

I Experian has different results than the other credit reporting agencies all of are different and I can't get any of them to reconcile my credit report. I can't get a hold of experience at all.
Product: Student loan

I have been paying my loans since XXXX. I have served in the military since XXXX and just got out. I got out of college with my student loan debt reaching {$150000.00} due to interest rates that I was aware I had chosen. After 10 years now Ive only gotten my debt down to {$120000.00} and I pay {$800.00} a month to navient ( originally Sallie Mae ). They dont give me other options on ways to pay it back or lower my debt but tell me I can just do forbearance if it becomes a hassle but it will continue to add the interest ( not really a solution ).
Product: Checking or savings account

On today XX/XX/2023 around or about XXXX XXXX  yours truly experienced XXXX profiling by a white PNC Customer Service Representative. To whom stated that despite me already being verified through the PNC Banks Automated System. She in a racially prejudice manner told me that I had to answer some specific questions to verify to whom I am and as me being a person of XXXX I felt very offended at this poor ethic nature in customer service. And she was actually trying to trap me so that I wouldnt have any access to my account. However when calling back a few minutes later and being connected with a minority customer service representative. There was absolutely no problem with him giving me the valid updated information on my account and prior to me being verified through the automated system there were no request for a second validation. PNC seems to be vindictive towards me. Because about a month ago @ their location XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. As I was doing a transaction inside of the Branch. In which the Branch Manager was filling in as XXXX of the Tellers. During the midst of the Financial Transition. She rudely stated that I could use the ATM outside. However she and many others knows that this is a XXXX XXXX infested crime ridden area. So for the third time PNC @ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Im not a follower of these deceptive lies about this XXXX XXXX being a safe community. So for my safety Ill come into the Branch in which I thought was improving until this and the Security Guard playing the role as a PNC Customer Service Representative. XXXX
Product: Credit card or prepaid card

Multiple times since XXXX of 2022 I have been reaching out to XXXX XXXX to get assistance in resetting my online password, since each time I attempted it myself online I was given an error message. Whenever I called, the representatives only gave me a link to the home page and were unable to provide me further assitance. They even said that they were having " intermittent '' issues with the site and that there was nothing further they could do. I have had my bills for this card set to XXXX, so that I would go paperless and receive statements. This caused me to be unable to receive my statements, thus making me unable to see my transactions for accuracy, know when my bill was due, and then via the online portal properly schedule a payment. Today I have received a notice from the company that my card has been closed, yet the only reason this has happened is because I have not had access to my account since XXXX and have attempted to rectify the issue multiple times. I am now worried about the impact on my credit score this will have, since prior to this issue i have been making payments on time and consistently.