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

It is now XXXX XXXX XXXX XXXX!

I just received my XXXX XXXX Wells Fargo Bank statement and find the following egregiousness:

Five (5) overdraft fees totally XXXX less a XXXX credit less a XXXX credit for a 
GRAND TOTAL: XXXX DEBIT!

BUT THEN THESE:

My check for XXXX not honored: XXXXXXXX  overdraft fee
My check for XXXX not honored: XXXX overdraft fee!

THESE TWO (2) CHECKS without my knowledge COULD NOT BE HONORED because of the aforementioned XXXX in OVERDRAFT FEES!

Doesn't anyone at all at Wells Fargo Bank comprehend this SNOW-BALLING EFFECT of the aforementioned XXXX in overdraft fees? THAT WITHOUT THESE FEES, these two checks totally XXXX would clearly have been paid!!!!!!!!!!!!!!!!!!

Is this not gross incompetence on the part of Wells Fargo Bank?

And, to repeat yet again, many times, IN FACT, without a mobile phone to access my checking account, I HAD NO KNOWLEDGE AT ALL THAT THERE WOULD BE SUCH FEES AS TO CAUSE THE TWO AFOREMENTIONED CHECKS, IN EFFECT, 
TO BOUNCE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Recently, I discovered that incorrect information remains on my credit report, even after multiple disputes. Despite providing the necessary documentation, XXXX, XXXX, and Equifax continue to verify this inaccurate information. I have attached evidence that clearly demonstrates the errors. This ongoing failure to correct the discrepancies is a violation of the Fair Credit Reporting Act ( FCRA ), particularly section 609 and section 623, which mandate that only accurate and verified data should be reported. 

I am requesting that this inaccurate information be removed from my credit report immediately. The failure to update or delete this false information is not only unfair but also a violation of my rights under federal law. Please ensure this matter is corrected without further delay.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have reported this several times as a legittimate identity theft in order to get my life back after 5 years of XXXX. I have explained everything before adding that I've reported this in the past to local, state, and FBI ( ic3.gov ) authorities. I have now resubmitted a follow up to the old reports today and will include it today. Please remove these fraudulently charged accounts from my report immediately so we do not have to hire an attorney to file a suit against this creditor or creditors in order to protect my rights as an identity theft victim.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX Re : Improper debt validation and continued collection activity Waypoint Resource Group XXXX XXXX XXXX XXXX XXXX, TX XXXX To whom may concern I originally filed A XXXX complaint against the company listed above. This company has conducted an improper debt validation and they have not supplied required documents .I have included my initial complaint and the company response. This company said that they would cease debt collection activity but it is my responsibility to contact the consumer reporting Agency? This company has not ceased communication they have brought great harm to my credit score and they have continue collection practices with validating the debt? 

1. Waypoint Resource group has not supplied a copy of the original application.

2. Full payment history from the original creditor was not provided.

3. An itemization of the current amount of the debt that reflects interest, fees, payments, and credit since a particular date that I may be able to recognize or verify records was not provided.

4. Waypoint Resource Group failed to provided any of the requested information above, they cant legally collect this debt at this time they are in clear violation of the FDCPA.

I ask in kind that Waypoint Resource Group stop cease all collection activity and I demand that this account be deleted from my consumer credit file immediately Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Round XXXX Dispute Formal Demand for Deletion of RC/Resurgent Receivables ( Account # XXXX ) To Whom It XXXX Concern, This letter serves as my second formal dispute regarding the inaccurate and unverified account being reported by RC/Resurgent Receivables ( Account # XXXX ). 

My initial dispute did not result in the proper resolution, as Experian merely updated the account instead of conducting a thorough and lawful investigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes an account. Updating the account without proving its validity is not a reasonable investigation. I demand that Experian immediately remove this account unless it can provide verifiable legal proof of its accuracy and legitimacy.

Legal Demands & Required Actions 1. Full Verification of the Debt Under 15 U.S.C. 1681i ( a ) ( 2 ) & ( a ) ( 5 ), I demand the following within 15 days : A detailed method of verification, including the name and contact details of the person or entity that verified this debt.

A complete itemized breakdown of the debt, including the original creditor, dates of service, and the exact amount owed.

A copy of the original contract bearing my signature, proving I have a legal obligation to this debt, as required under 15 U.S.C. 1666.

A valid chain of custody showing how this debt was transferred or sold from the original creditor to RC/Resurgent Receivables.

2. Ensuring Maximum Accuracy Under 15 U.S.C. 1681e ( b ), Experian is legally required to ensure that all reported information is 100 % accurate, complete, and verifiable. If there is any discrepancy in how this account is being reported, it must be deleted immediately as per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

3. Cease Reporting of Unverified Debt If Experian can not provide legally admissible proof that this debt is valid, continuing to report it constitutes a violation of 15 U.S.C. 1681n ( willful noncompliance ), for which I reserve the right to pursue legal action against Experian.

Final Demand & Next Steps If Experian fails to provide all requested documentation within 15 days, this account must be immediately and permanently deleted from my credit report in compliance with the law.

Failure to comply will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Legal action against Experian for willful noncompliance under 15 U.S.C. 1681n, including potential damages.

I expect a written response confirming the results of your reinvestigation and the documentation used to verify this account.

If Experian can not provide ironclad proof that this debt is valid and legally collectible, it must be deleted from my credit file immediately. 

This is my final attempt to resolve this matter before escalating the issue further. 

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

When I filed chapter XXXX bankruptcy, my mortgage loan servicer continued reporting to the credit bureaus. The reporting should have stopped in this situation. They reported multiple late payments. After arguing with them, they issued a letter on XX/XX/XXXX stating they I had been current on my account since XX/XX/XXXX. They now refuse to report this on time payment history to the credit bureaus. I have tried everything with them and it has been the most frustrating situation i've ever had to go through. They are in violation of the Fair Credit Reporting Act and I can not buy another home until they correct this. Please assist in any way you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 1022.41Regulation V. 

I noticed XX/XX/2021 The accuracy and integrity of the following information on my consumer credit report is showing to be very inaccurate on credit report agencies XXXX, Experian, and XXXX on the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Is XXXX, XXXX, and Experian in compliance with the CFPB? 

What are their policies and procedures on accurate and integrity?
Product: Credit reporting or other personal consumer reports

I have attempted to have the fraudulent information on my credit report resolved for over a year now. I have provided documentation supporting the information is fraudulent and needs to be removed, however, the corrections have still not been fixed on my credit report with XXXX. These items are required to be corrected and/ or removed per Federal law. 

See police reports of fraud and theft. 
XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report No XXXX XXXX XXXX XXXX XXXX Department Report No. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX Federal Trade Commission Report XXXX Federal Trade Commission Report XXXX XXXX XXXX Police Report No. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I made an online purchase charged to my XXXX XXXX Card. My credit score dropped from XXXX to XXXX for no apparent reason. I attempted to " un-freeze '' my Transunion credit. Transunion would not unlock and does not reply to my email on file and locked my account, referring me to their online tech support. Tech support is for computer connectivity problems, not unlocking my account or unfreezing. I made an additional request, filling out all personal information Transunion requested to have access, to no reply or avail. Credit utilization 0 %, no missed payments, no new activity, XXXX current credit card balance, with over XXXX available credit.
Product: Money transfers

on XXXX/XXXX/15 I sent a money transfer to capital one bank, XXXX, XXXX. we heard nothing from anyone until about XX/XX/XXXX, bank received information and that stopped the transfer. n asked for a letter to request the return of the funds that is attached. as of this time no money has been received back and they will not talk to me or give me any explanation. the money was for a business and due to them holding it it has caused great losses to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have four accounts with Toyota financial and I always call and make my payments over the phone and when I called I provide the representative with my Social Security number and I told them that I have four accounts with Toyota financial and I would like to make a payment on all of them. 
After doing so Toyota financial reported me 30 days late on one of my vehicles payments. 
I spoke with TOYOTA financial they informed me that they have a copy of the phone call which clearly states that when I call I indicated to the representative that I had for accounts and I would like to make a payment on all four accounts that day three payments were made one payment Was overlooked by representative and my credit was destroyed because of this Im in the process of purchasing a house and my score went down by 84 % because of a 30 day late payment reported by Toyota financial. 
Please help me to fix this and remove that late payment from my credit report they have reported inaccurately they failed to complete their investigation they failed to contact me. 

Thank you very much for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - i disputed the info with the credit bureau and creditor XX/XX/XXXX - i disputed the info with the credit bureau and creditor XX/XX/XXXX - i disputed the info with the credit bureau and creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting an alleged debt on my credit from the department of education. I have reached out to XXXX after disputing with the credit bureaus to ask them to remove it and they " verified '' it. However, they did not " verify '' it as XXXX contacted me via mail and they have removed the debt collection as it was unable to be verified as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received personal credit report produced by XXXX with the Innovis logo on the report that was sent to me. The following phone numbers and addresses were never associated with me and should be removed from the report. They are as follows : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The following phone numbers were never associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, AD ASTRA reported to all three credit bureau that I made a payment to my account for XXXX dollar. I have never made any payment nor contacted this creditor to set up any payment arrangements, and I believe the only reason they are reporting a dollar payment is because it has been on my credit report for 6 years, in XX/XX/XXXX that would make the debt 7 years old which typical falls off. This company falsely reported inaccurate information, and I am requesting that they delete it from all three credit reports. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DPT EDXXXXXXXX # 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of XXXX and XXXX
Product: Credit card

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Product: Student loan

I have tried to arrange payment arrangements with Navient and when I explained to them I would not be able to pay the amount they are asking. They then the representative follow up with well what can you pay, I give them the amount and they tell me thats not good enough and that I have to pay the amount originally given and that they dont have any other option. Navient has advised that I ask the consigner for help and Ive expressed to them for that he has passed away. Therefore I asked for a misconduct discharge form being misled and they denied me the form. State I do not qualify when I feel like I do qualify.
Product: Debt collection

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under Creedence Resource Management and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as Creedence Resource Management had not responded nor was the account reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Product: Credit card

Wells Fargo bank is indifferent ; the credit card that Wells Fargo provided me ( with the Wells Fargo logo on it ) has no interest in allegations of fraud committed by that Credit Card Company. I provided the local Wells Fargo bank ( in XXXX, Utah ) with a written explanation of my proof ( with supporting documentation ) and it was soundly rejected. Their indifference was such that when I asked them to read my entire written complaint, they threatened to call security. Those local Wells Fargo officials encouraged me to seek the services of an attorney, stating that although the Credit Card Company bears the Wells Fargo logo on all its correspondence ; that Wells Fargo has no attachment to that company ( and so no one at Wells Fargo Bank [ the general contractor ] would have any interest in the activities of their subcontractors ). I was asked to leave by bank officials ( at the local bank ) or they would call security ; that asking them to investigate my concerns was inexcusable ( so I left ). 
People should be made aware that Wells Fargo utilizes many services that bears the Wells Fargo logo, but the bank ( the general contractor ) takes no responsibility for those services activities ( even though the bank financially benefits from those services that bears the Wells Fargo logo ).
Product: Credit reporting or other personal consumer reports

I am writing to address significant discrepancies in the credit report sent to credit agencies by XXXX XXXX, which is impacting my credit history and limiting financing options. Her manual report inaccurately portrays my payment history, leading to ongoing, incorrect delinquency reports in recent months. These errors undermine my credit score and fail to reflect the true chronology of my payments. 

To date, I have made 15 payments over 16 months, with the account reported as current. However, I have received no written notification of any change in reporting procedures, yet XXXX XXXX continues to log past payments as XXXX delinquencies. Although it is now XX/XX/XXXX, she is treating payments from XX/XX/XXXX and XX/XX/XXXX as recent delinquencies. If payments were made within the XXXX grace period, such as my XXXX payment processed on XX/XX/XXXX, they should not negatively impact my current credit history. 

Additionally, the handwritten report raises concerns about its accuracy and objectivity. Given these inaccuracies, this reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates precise and truthful reporting. I ask that all payments be accurately allocated to their original dates to ensure my credit history reflects reality and to avoid further impact on my score.
Product: Checking or savings account

Check # XXXX in the amt of {$330.00} cleared my acct on XX/XX/XXXX, XXXX the funds were deducted from my acct. Then on XX/XX/XXXX the same check was put through again which caused my acct to be overdrawn. The bank has reversed the fees for being overdrawn however I can not access money from my account because the bank says it will take 3 business days to resolve their error. Being Friday the weekend doesn't count so I must wait 5 days to get access to my money!
Product: Credit reporting or other personal consumer reports

I am disputing a late payment from XXXX XXXXXXXX XXXX XXXX. This late payment is not accurate at all. I have maintained my payments up to date. XXXX payment included XXXX payment and XXXX payment isn't past due where it is XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX8 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.