23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 had a checking account with Bank of the West prior to XX/XX/2013. I overdrafted the account and was charged nearly XXXX $ in daily overdraft fees before the funds in my savings account were applied to cover the original amount overdrafted. The account went to collections with The XXXX XXXX XXXX with a balance of XXXX $ owed in XX/XX/2013. I disputed the account and XXXX reported the account as closed to XXXX for meeting FCRA requirements for a dispute, but still lists the account open and in collections with XXXX. I reached out to XXXX and inquired when they would report to XXXX that the account was closed pursuant to my dispute. The agent advised me that she does not know why the account was closed with XXXX and repeatedly interrupted me to tell me I needed to pay the account. I advised her the account was disputed and closed and I would not make a payment until she could explain why it was closed with one bureau but not the other. The agent advised me that she did not know and it was a mistake and that all she knew was that I had to pay the account. I again asked why the account was closed with one bureau but not the other and she transferred me to a voicemail for someone else. I left my contact information and even called an hour later and was again dumped in a voicemail. I have never received a returned call from this company to explain their discrepancy in reporting to the credit bureaus. They refuse to explain why I need to pay this account that is closed, they refuse to accurately report to the bureaus, and they continue to aggressively attempt to collect this debt.
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 Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX - I returned a water cooler dispenser and was promised a {$200.00} credit by the collection agency Collection Bureau XXXX XXXX ( see email on XX/XX/XXXX ) if it was returned. XXXX XXXX ( XXXX  ) who owned the equipment and was the original creditor picked it up I have sent emails to XXXX XXXX and then they tell me to contact to Collection Agency. I am getting the run-around and have yet to see the credit promised
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 an XXXX XXXX sales man came to my home. He said my south facing roof was perfect for XXXX panels. I did show interest and asked for more information in writing. He later came back with more information. The price was much more that what I was first told and now I needed to replace the roof. He gave me information that sounded incorrect about how much the Federal and State governments would privide in tax rebates. I checked with my tax accountant and I was told, that information was not correct. Early on in the proccess he said they needed to check my credit. I did unfreeze my credit for a couple of days so the company could check my credit report. As we moved through the negotiation of the installation price and proccess I declined to move forward with the whole instalation. I thought that was the end of story. About 2 months ago I saw a loan appear on my credit report from Mosaic Finance for {$9500.00}. I assumed it was a mistake and contacted the Credit reporting agencies. they investigated and told me that loan was for Solar installation. I was told that the {$9500.00} was paid to XXXX XXXX for Solar installation on my roof. I have spent hours on hold waiting to talk to XXXX XXXX, to no avail. Why did Mosaic pay XXXX XXXX for work that I did not authorize and did not have done
Product: Credit card

On XX/XX/2023, XXXX fraudulent transactions were made on my Wells Fargo debit card. The charges were as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX. I did not make or authorize these charges which were made at XXXX stores in XXXX, XXXX. I had been in XXXX in the days before XX/XX/2023, but at the time these charges were made, I had left XXXX and was in XXXX, XXXX. I have provided proof that I was not in XXXX to Wells Fargo, and they continue to deny my claim. 

Prior to these debit card charges being made, someone tried to make CREDIT card charges at XXXX and another store in XXXX ( again at XXXX for {$8800.00}, and XXXX for {$1800.00} ). Wells Fargo sent me a fraud alert about the credit card charges and I replied that I did not make the charges. Those charges did not go through. However, I never received fraud alerts for the debit card transactions, and I did not know they had been made until approximately XX/XX/2023, when Wells Fargo told me my checking account attached to my debit card was overdrawn. I immediately challenged the charges. 

My boyfriend who as traveling with my got fraud alerts on his credit card at roughly the same time for a charge at XXXX. He informed his credit card company that he did not make that charge. 

*Note : The charges were made on XX/XX/XXXX which is the date in the XXXX XXXX In XXXX, the date was XX/XX/XXXX. I am attaching flight details showing I left XXXX at XXXX XXXX, on " XX/XX/XXXX. '' Translating that date and time to XXXX time, means I left XXXX at approximately XXXX XXXX on XX/XX/XXXX. I had been in the airport for XXXX hours before my flight left.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I noticed that there are various student loan account still appearing on my report and past the statute of limitations ( 7 Years ). I request that this information be removed from my credit reports ( Transunion, XXXX, and XXXX  )
Product: Bank account or service

At an old job, I was signed up for an HSA account with HSA Bank out of XXXX, WI. After leaving that job, I spend the HSA down and then attempted to close the account in XX/XX/2016. I contacted them and exchanged closing documents in XX/XX/2016. In XX/XX/2016, they charged me a fee for no remaining balance. I contacted them and told them I 'd closed the account. They apologized and said it had n't been closed due to a fake oversight, and said they would close it. XX/XX/2016, I get another statement. I call them and they claim they will " expedite '' the closure. 

At this point, it feels like HSA Bank is refusing to close my account even though I have sent in all the paperwork so that they can continue to assess fees forever and it is impacting my credit. They are not a legitimate enterprise with these practices, and neither you nor your company should bank with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that XXXX XXXX on behalf of XXXX. XXXX XXXX, has reopened a collections account as of XX/XX/2023. A similar collections account was on my file previously but had it fallen off a couple months ago and now has reappeared. This account has been re-aged.
Product: Checking or savings account

Today is my payday and I have yet to receive my direct deposit ( paycheck ) as many other people. I have been patient but to not see anything in my account is now frustrating when I have bills, necessities, and other matters to take care of by which I need my money. Capitol One sent out an email late last night XXXX XXXX when they knew of this technical issue days prior and after the many complaints on social media and endless calls ( I called Thursday XX/XX/year> ) to inquire about my direct deposit being that I also had a bill due that day. Rep informed me of issue and that they were working on it and if its not fixed on XX/XX/year> then she doesnt know what their plan is. My concern is that it wont be fixed and Monday is a holiday ( XXXX ). I work very hard for my money. Can this be look into ASAP.
Product: Debt collection

Sears/Citi-Bank Master Card : Amount : {$4900.00} I had called before and closed the account and made payments arrangements on the account faithfully! That was probably sometime in  XXXX . I made all payments as agreed on the clo sed Citi-Bank Master Card wh ich they have agreed to.     Then in  XXXX   XXXX  ; I had to have   XXXX   XXXX  r  XXXX  and had  XXXX  ; so I was out of work for at l east two ( 2 ) m onths ; and had reduced pay ; so I was not able to pay the amount owed ; I called them at l east three time s to discuss ; and the collection agents were not negotiable at all and said I had to pay the whole amount. I told them I could not and they said well you have to pay. I tried to negotiate a lower payment and they did not want to listen and they were just rude agents. Their tactics were not good. I tried to pay like {$25.00} toward the bill and they would not agree. They basically hung the telephone up on me!     They are suing me now ; which I do not think is right ; Sears is in Bankruptcy Court and they are having financial problems so they should work with their clients also in this situation as they know financial troubles al so. Citi-Bank is who the Master Card was a ffiliated with.     I would like to pay {$25.00} per month on this bill as I am attempting to do something. I do not want to go to court or be sued or garnished wages in this endeavor.     Any assistance or counsel you can give in this matter with Sears/Citi-Bank will be greatly appreciated!!!      XXXX   XXXX   XXXX  XXXX  XXXX  For  XXXX   XXXX  - Debtor
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. 15 U.S. Code 1681e ( b ) Accuracy of report Compliance procedures XXXXXXXX  Account Number : XXXX Please remove it from my credit report.

2. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. 15 U.S code 1692 ( g ) validation of debt XXXX XXXX Account Number : XXXX Please remove it from my credit report.

4. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX  Account Number : XXXX Please UPDATE this late payment in my Credit Report. 
5. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
7. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
8. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Money transfer, virtual currency, or money service

I send {$500.00} via Zelles on XX/XX/1984 to someone that impose as my cousin. I contacted my bank and Zelles and was told I could not get my money back because they privacy policy don't cover scams
Product: Mortgage

SPS purchased my mortgage from XXXX mortgage a little more than a year ago. Every month I pay more than double the amount do to apply it to my principal. On two occasions ( XX/XX/2019 and XX/XX/2019 ) they have taken the payment as a prepay for the next month and not deducted it from my principal. When I made the next months payment they would accept it as that months payment like normal. They owe me {$500.00} in additional principal reduction for these actions. Additionally they wait until way after my payment is received to process the payment to collect more interest. If I could fire them I would but I am stuck with these thief 's!
Product: Checking or savings account

Consumer Financial Protection Bureau ( CFPB ) Step 1 : What is this complaint about? 
Step 2 : What type of problem are you having?

Step 3 : What happened?

Step 4 : What company is this complaint about?

Step 5 : Who are the people involved? 

1-Balance Discrepancy : Suspicious Activity/Tampering 2-The amount of {$20.00} has appeared as overage and {$40.00} disappeared as shortage on my account, without explanation and no resolution ( never shows on statements, just through the automated system ). 
3-On XX/XX/XXXX, I noticed and reported a {$20.00} overage on my account and did a requested follow-up on XX/XX/XXXX. The representative informed me to look for an Original Bank Entry ( OBE ) on my statement if the bank found its error ( problem not corrected ). On XX/XX/XXXX, I noticed and reported a {$40.00} shortage on my account ( The original {$20.00} overage plus a recent {$40.00} shortage. Note : I never counted the {$20.00} overage as part of my balance ). My case was forwarded to the executive branch ( XXXX ) on XX/XX/XXXX, according to XXXX XXXX ( case # XXXX ). I missed the executive branch call on XX/XX/XXXX ( voice message left XXXX ). 
4-Wells Fargo 5-On XX/XX/XXXX, I spoke with XXXX XXXX ( XXXX Virginia   XXXX ), XXXX XXXX ( XXXX Customer Care XXXX ). 
Message : This issue is very troubling given Wells Fargos criminal history of wrong dealings and its recent {$1.00} XXXX fined by XXXX : https : XXXX. I feel my money is not safe with Wells Fargo and that they could care less about the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main Financial has made a hard inquiry for a credit line that I did not unauthorized and it is effecting my FICA score. In fact they made two hard inquires on two separate days a day apart from each other. I do not have any credit line with this company and it was an unauthorized hard inquiry to my credit. the dates of the inquiries are XX/XX/2017 and XX/XX/2017. I called One Main Financial and got nothing more than a run-a-round by their customer service representatives on multiple call by myself to them. That is the reason I am making this complaint.
Product: Credit reporting or other personal consumer reports

I found this account opened in my name in XXXX, XXXX  closed it and then provided a 1099 showing I wasn't liable for the amount. 

Despite this, it has remained on my credit hurting it. I eventually paid the amount despite it not being mine ; however, XXXX  is still reporting it on my account.
Product: Mortgage

in an active dispute with Wells Fargo and they have locked me out of my account so I can not make my monthly payment forcing me to go over the 90 days down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX  transunion has me at a score around XXXX That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

My physician contracted with a XXXX party to provide medical services for their clients. The physician outsourced services on my behalf without my consent or knowledge and failed to pay for these services. The XXXX party billed me. I disputed this bill with the XXXX party and they failed to respond. Instead, they outsourced their bill to a collection agency. I disputed this bill with the collection agency at that time and that they validate the bill and I received no response. Five years later, another collection agency reported the bill to the credit bureau in 2015 without contacting me. I disputed this bill through XXXX who closed the dispute after two weeks when the new collection agency simply stated that is was my debt without any validation, nor XXXX ask for any. I am filing this complaint and asking XXXX to re-open a dispute and handle it appropriately and in accordance with the law. I am also re-disputing this debt with the new collection agency in writing again. As I understand the new rules medical debts can not be reported for 180 days while they are being investigated. I am very concerned that instead of dealing with the matter, this agency will drop it and it will show up with another agency.
Product: Money transfer, virtual currency, or money service

Basically I had alot of money invested with cash app bitcoin and it was stolen but alot of the transactions didnt show on my end until way later and for large amounts. Also had my debit card unauthorized charges made by people that didnt own a cash app with my name but the transaction still went through meaning anybody can find a debit card input it into there cash app and drain that persons account especially if they dont have alerts set up. Every time I spoke with someone whos english was broken and always ended in a result of no resolution made me feel more angry and upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX call made in XXXX XXXX XXXX and was unable to get a representative on the line. So I decided to call back in XX/XX/XXXX and was able to get a representative and decided to get on a payment plan for a settlement amount of {$2300.00} I made XXXX payment on the plan and life hit me. I was unable to make the payments. XX/XX/XXXX I decided to pull a soft pull on my credit and seen XXXX XXXX  is still reporting XXXX late on my credit for the last 29 months. The account has not closed or went into charge off status it is still reporting open each month. I called and got this information. I got the loan in XX/XX/XXXX for {$2200.00} I made XXXX successful payments in the amount of {$130.00} which is {$2100.00}. I currently owe {$5000.00} and they were really to settle for {$2000.00}. This is predatory lending because I owe {$58.00} from the amount paid and the amount borrowed. the rep said I had {$2400.00} in interest, {$2000.00} in fees, {$150.00} in late fees, and {$58.00} in return bank fees. I offered to settle the account for {$1500.00} and realized that was too much because I already paid off the loan besides {$58.00} and thats all i should be paying for the bank fees and late fees. which is {$260.00}. they will not accept my offer or stop reporting negatively on my credit report. i am trying to buy a house and refinance my car for a lower interest rate and this has been stopping me for the past 2 years. they will not do anything to remove, or stop this damage on my credit report and they are trying to take more money from me.
Product: Debt collection

he company starting around XX/XX/year> started reporting to the credit bureau that I owed them monies for a collections account that I have no knowledge of. Around XX/XX/year> I sent a request to said company to send me a signed contract that I had between myself and them to prove that I owed said funds including my pen and ink signature binding me to alleged debt. After 30 days I received no response from company. I then sent a cease and desist order for them to stop reporting an invalid debt on my consumer reports that has not been proven that belong to me. In XX/XX/year> I then sent a letter stating that according to the FCRA Section 605B. It is illegal to report information to my credit report with out my permission