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

I woke up on XX/XX/XXXX and checked my account and saw there were 6 repeated charges to my account of {$130.00} and 6 charges of {$4.00} for a total of {$820.00} for a foreign currency exchange from usd to the XXXX XXXX. These charges were apparently done on XX/XX/XXXX in-store at what the app describes as a " XXXX XXXX XXXX ''. I called the company immediately and spoke with a representative who filed a fraud claim and they credited me the money that was stolen from me. Now today, on XX/XX/XXXX, I look at my account again and the credits were taken away and the charges are being finalized, which now puts my account into the negatives. I called the company again to see why this happened, and they told me that their investigation concluded that I authorized the charges, and that they were done from my mobile wallet. I informed them that I did not authorize the charges and that I have no ties to XXXX, and that I'm being severely negatively impacted by this, and they told me there was nothing they can do, besides stopping any overdraft fees that would occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I hope this letter finds you well. I am writing to express my deep concern and frustration regarding an unresolved issue on my credit report. There is an invalid inquiry from XXXX XXXX which, despite my previous attempts to resolve it, remains unresolved on my credit report. I believe this inquiry has been reported inaccurately and is adversely affecting my credit score. 

As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from XXXX. 

I hereby request that XXXX conducts a thorough and immediate investigation into the invalid XXXX XXXX inquiry on my credit report. I have attached supporting documentation that clearly proves the invalidity of this inquiry and warrants its removal from my credit profile. 

According to the FCRA guidelines, I understand that XXXX is obligated to complete this investigation within 30 business days from the date of my initial dispute. I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. 

In the event that XXXX fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. 

I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect XXXX to take this matter seriously and treat it with the urgency and attention it deserves. 

I would appreciate a written acknowledgment of this complaint and a confirmation of the initiation of the investigation within 5 business days of receiving this letter. Please provide me with regular updates on the progress of the investigation until a resolution is reached. 

Thank you for your immediate attention to this matter. I expect that XXXX will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX.
Product: Checking or savings account

I changed my phone number due to harassing phone calls from my ex-husband. I didn't change my two factor authentication number before because once the phone number was changed, I could not receive the code to access my account. I have a coming credit card payment that I can not pay because I can not log in. I spoke to 2 representatives on XX/XX/XXXX- the first rep left me on hold for over 30 minutes then disconnected the call without calling back. The second rep told me to go to www.usaa.com/XXXX  and provide my Drivers license to verify myself and I would receive an email within 24 hours to access my account. It is XX/XX/XXXX and no one has called back for over a week. I tried to login to see if anything changed and I still can not get past the 2 factor authentication with my old phone number.
Product: Credit reporting or other personal consumer reports

Hard inquiries not removed Negative charges not removed Closed accounts not removed Bankruptcy not removed
Product: Mortgage

Wells Fargo was offering 3-month mortgage forbearance due to Covid-19 so I did not make mortgage payments for XXXX, XXXX and XX/XX/XXXX. I called in XXXX and was told those 3 missed months would be added on to the end of my mortgage. I was told to resume normal payments in XXXX. My balance at that time was $ XXXX. 

When I logged into make my XXXX payment, there was weird activity on my account. My principal balance had decreased to $ XXXX and then increased to $ XXXX. I've attached a screen shot of my mortgage activity from XXXX. I tried calling Wells Fargo on XX/XX/XXXX but no one could explain this to me. I was on the phone for 2 hours and transferred 4 times. I finally submitted an email to the company. 

I received a response on XX/XX/XXXX that my question couldn't be answered over email and that I had to call. Once again, I've been transferred and on hold for over an hour and no one can explain it to me. 

I don't understand why my balance was increased. It should have stayed the same and my loan should have been extended by 3 months. Otherwise if my loan is extended and my balance increased, I'm being double-charged.
Product: Debt collection

Re : XXXX XXXX XXXX XXXX {$730.00} is charging me this amount that I am not aware of. This item is being reported on my credit report as a collection item by FST FINANCIAL RESOURCES XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1602 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1666 b 15 USC 1681e ( b ) 15 USC 1681 i ( 5 ) 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 6802 15 USC 1692 ( C ) Privacy Act of 1974 Family and educational act of 1974 codes and infractions each reporting company has violated on behalf of the FCRA and privacy act of 1974 & family educational act of 1974
Product: Debt collection

Last year I was notified I owed XXXX apartments {$71.00} for a bill after I moved from the property that was turned over to collections. I went to the property and paid it. I sent National Credit Systems a letter. I disputed it several times. They are still reporting the item as unpaid and have since caused me to be denied on other apartment applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few fraudulent accounts appearing on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a letter from a debt collection company XXXX of 2022, in the amount of {$71.00} I responded to them stating that it wasn't my debt. I checked the box asking them to send me the address and name of the original creditor. I never received anything back. 
I received another letter today with the same information as the first letter, but now the amount of the debt is {$1000.00}. it can't possibly be mine. I have insurance I've never been contacted my insurance for this nor the medical facilities I go to. They mention a XX/XX/XXXXXX/XX/XXXXbut I've never been there. I don't know if I should send this second letter back to them since I never got the verification from them for the first letter. I'm really not sure what to do at this point but I'm sure it's not my debt. The debt collection company has XXXX different reference numbers for the XXXX letters I received. The first one has as reference # XXXX, the second letter has reference # XXXX.
Product: Mortgage

I didn't receive any mail saying foreclosure was going to be filed if I didn't bring up to date by a certain day. I had submitted for refinance but credit score is too low. I then asked for repayment plan several times. However everything s through the portal and if I don't go check daily then I don't know if there's messages. I requested and it's still pending review. Just recently got email through portal saying repayment plan not available. Though I tried calling and I guess was calling the wrong point person. The issue is they don't answer the emails. They don't send to the email on file. I got a message saying they were sending to an email I never had. 

I started loan modification XX/XX/XXXX even though I had to resubmit the application on XX/XX/XXXX. XXXX XXXX claimed to have called about payment plan on XXXX but never got a message. And she doesn't send regular mail. Think she was sending to a wrong email I never had. 

I got Foreclosure papers on XX/XX/XXXX. I never received any mail saying I needed to pay by certain date or foreclosure proceedings would start. 

My point person is not very good at communication. Never send anything by mail or to my email only through the portal. 

I was in the XXXX XXXX XXXXXXXX and then had XXXX XXXX for an XXXX 

Never received an attached plan as she said she attached.
Product: Credit card

I signed up for a Capital One card in XX/XX/XXXX. The interest on the card was unmanageable, and after making $ XXXX/month payments that did nothing to reduce what I owed, I stopped making payments in XX/XX/XXXX or XX/XX/XXXX. 

I realized this would negatively impact my credit, but I had no means to pay down the high interest on the card. In XX/XX/XXXX, while in college at XXXX, Capital One sued to collect all the unpayable interest. When I received the notice of legal action, I also received a credit card offer in the mail the same day from Capital One. I had no money for legal representation and Capital One won in my absence. 

That was in XX/XX/XXXX, and in the years since, I have received many credit card offers from Capital One, but I heard nothing in regards to the judgement against me. 

11 years later XX/XX/XXXX, I was sent a notice of wage garnishment. They are now attempting to collect over {$3000.00} from me. In the 3 weeks since receiving that notification, I have also received XXXX different Capital One credit card offers. 

I make $ XXXX/hr. I have no savings. I have student loans I ca n't afford to pay, and a car I ca n't afford to fix. I live in a XXXX room apartment. Despite all of this, Capital One is taking {$170.00} out of each check ; that 's {$350.00} a month. I can no longer afford to pay basic bills. 

Capital One gave out credit cards specifically to profit from the high interest, then waited to pursue legal action until the last possible moment, then waited 11 years to collect on that debt. If Capital One was so concerned with getting their money then why would they wait 5+ years to sue, then 11 more years to collect? If they 're so concerned with collecting their debt that they sue a poor college kid, then why have they consistently tried to sign me up for another Capital One card since suing me? 

I 'm asking that in light of Capital One 's predatory practices and continued disregard for the ability of the poor people they prey upon to pay back debt while still sending new credit card offers, that this debt be forgiven by the company and that all future credit card offers cease. 

Their actions have shown that, by continuing to offer more credit cards, they do n't need the money and they do not care about giving it away.
Product: Credit card or prepaid card

The XXXX visa gift card was purchased from XXXX on XX/XX/22. The card will not work for any purchases. Attempted to rectify this with the company on XX/XX/22. I was on hold for 34 minutes the first time before I was told that the card number needed to start with a 1 and then hung up on. I called back, spoke with XXXX- I provided the card number which he stated he could see, asked my full name, and proceeded to ask if he could place me on a brief 2-4 minute hold, I replied yes and after - I was placed on hold for another 34 minutes, at which time I was hung up on. I called back again and spoke with XXXX who stated initially he could not find my card number in the system. Then XXXX provided me with a case ID number of XXXX and said to expect an email. An email was never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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


XXXX/XXXX  XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX and XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking XXXX, Experian and XXXX for several months to update my information and they have yet to update it. The refuse to abide by the laws.
Product: Credit reporting, credit repair services, 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 : XXXX XXXX  Account : XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXXXXXX XXXXXXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX section 602 A States I have the right to privacy 15USC 1681 section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items or information. Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years.

15USC 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 I have made previous attempts to resolve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a home. In XXXX I paid off any delinquent accounts I had after unfreezing my credit reports. My accounts where frozen because I received a injury and was waiting for my XXXX. Since then They have told me I needed to get some credit cards, Which I pay off every month. I have taken out three credit cards. XXXX, Equifax, and XXXX are all reporting delinquent accounts and I have none, which they say impacts my score. First I didn't have enough debt, then I had to much debt and since I paid everything in XX/XX/2023 they continuously taken my scores down, XXXX was XXXX, Equifax XXXX, and XXXX XXXX in XXXX, Now I am showing in the high XXXX on all three and one of the reasons they are giving me is no mortgage. IF they are continuously decreasing my score with stating I have delinquent accounts which I do not, and they are keeping my scores so low, I cant get a mortgage. This is not right. I never would have opened any credit card accounts except they told me I needed to. And I pay them off every month, so how as a consumer is this right?
Product: Checking or savings account

My dispute was practically instantly denied for some reason which is unbelievable. I put the reason of my dispute because of a missing package and the atrocious support from the seller not even assisting me with the situation. I literally provided complete proof in my complaints for the dispute and again giving me pre written messages stating the dispute isn't valid. What does that even mean??? I had to go to the whole USPS claims process regarding this exact package and wasn't paid in full because the seller didn't even put insurance for an expensive order.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have account listed on my credit report that i didn't authorize or consent to open. several requests for my consume report have been made that wasn't authorized ( see attached ftc report under personal statement )
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, The incorrect items listed below appear on my credit report. I would like these ENCLOSED items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICAN EXPRESS INACCURATELY REPORTED LATE PAYMENTS ON MY CREDIT REPORTS. I HAVE REQUESTED THE INFORMATION FROM THEM TO SEND ME AN UPDATED REPORT OF MY PAYMENT HISTORY TO NO AVAIL. I ALSO SENT LETTERS TO 3 CREDIT BUREAUS REQUESTING THESE INACCURATE LATE PAYMENTS BE REMOVED FROM MY CREDIT REPORTS FOR THE DATES OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX I WILL PROVIDE EVIDENCE OF THE INACCURACIES BELOW FROM MY XXXX  REPORT.
Product: Vehicle loan or lease

On XX/XX/2018 I inadvertently made a payment to Toyota Financial Services for my vehicle that I was leasing from them but subsequently bought through my bank. During my conversation, with customer service at Toyota Financial, I found out that two extra payments were made on the lease and that I was owed XXXX by Toyota Financial. I was told that a check was being issued and should look for it by the end of the week. 
On XX/XX/XXXX no check. I was told that a check had been cut on XX/XX/XXXX but that they will reissue a check. 
On XX/XX/XXXX I was told that a check was issued on XX/XX/XXXX but was not sent out yet and that I should get it by the end of the week. 
On XX/XX/XXXX no check. I received a case number and was told that Toyota financial will overnight the check and I should receive it by the end of the week. 
On XX/XX/XXXX no check. I was told it was cashed and that administration will look into it and I should call back toward the end of the week. 
I have names of people that I spoke with in customer service. 
I have sent an email to XXXX XXXX XXXX and informed him that I have referred the matter to the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I contacted UCB and requested a deletion letter for paid collection. It was agreed that I would receive deletion letters for payment in full. The company now refuses to send me deletion letters and is stating they never agreed to a deletion letter. 
The Director of Operations claims to have listened to my recorded call. He refuses to acknowledge that I requested a deletion letter and that an agreement was made upon that request. He alleges that the employee only agreed to give me a " paid in full '' letter. This is not true as I would have refused such a letter. I specified what was needed and why. I requested a transcript of the recording and they are refusing to provide this. I feel that they are being deceptive. I feel that if one were to listen to the call, they would clearly hear that I was led to believe that upon payment of my accounts I would receive the deletion letters. I believe that the employee did not once mention that they do not provide deletion letters. I believe that the Director of Operations is  being dishonest about listening to that call and is refusing to acknowledge their promise to a paying customer. The company 's deceptive practices is not acceptable and I would like an investigation as well as a 3rd party to listen to the recorded call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Checking or savings account

To whom it may concern, My name name is XXXX XXXX, on XX/XX/XXXX I visited my branch located at (. ) because I had some fraudulent activities on my business account. There were several transactions out of state that were not authorized by me. I contacted bank of American and they advised that I needed to come into the branch to rectify the situation. When I arrive I went to the bank teller and explained my situation, she then told me that I had to sit with an accountant specialist. The account specialist made a phone call and she was told I had to order a new debit card and it would take 5 to 7 business days so I told the specialist that I needed to pull money out of my account before they closed my card because I needed to make payroll. I then proceeded to make my way to the counter and was met with the manager XXXX XXXX XXXX. Without him even knowing my situation he was trying to prevent me from moving forward. He demanded I go to where he was in a very very disrespectful manner and I quote come here, come here, you are not going to do what you want his voice was elevated and at that moment I felt so disrespected and embarrassed because he did so I front of all the customers that were there. He made me feel like I was a child the way he spoke to me. And after over 35 years with this bank I have never been so humiliated. Being that the situation got out of control the police were called and the manger banned me from the branch. I also said some not so good words but this was only after he disrespected me and didnt let me explain what was going on. Now all my accounts have been frozen, my credit cards and I am not able to have access to my funds with no explanation. I have called and emailed the branch customer service and no one is able to help me, I feel like the bank has absolutely no right to strip me from my funds. I have a business to run and I obviously need my money to do so. 

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

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering. 

Demand deletion of this item and compensate for the violation.