23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name XXXX XXXX  Account number:XXXX  Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX XXXX  Account number:XXXX has violated my rights. Or 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 or other personal consumer reports

I am trying to buy a house, and I realized that I had damages on my credit report. 
According to the 15 U.S.C 1681 law, there should not be any damages on my credit report. It is a defamation to my character, it's affecting my score and it is paid. Also, Equifax is reporting inaccurate information for two accounts with the same account number. That is double jeopardy. The accounts with the same account number have different open dates. How is that possible if its the same account? One of the accounts shows that is was 120 days late but the months leading up shows that those months were in good standing. Everything is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is incorrect information on our credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I made use of the work Number from Equifax to verify employment. Upon getting a report it showed my last date of employment as XX/XX/2022 and no other information after that. As I am applying for loans, this represents a problem because I am still currently employed. I was told I needed to file a complaint and then they would contact the company and be able to fix the issue of why it hasn't updated. We discussed my change of role in the company and I asked if that would be an issue, and they said no. I received a letter stating that the investigation was complete and that the information was accurate. As I am still showing up for work and getting paychecks, I know that to not be true. I called the number on the letter I received and they said they were the department to help me. They said, however, they do not have to access to the dispute, and they can not contact those that do have access to the dispute. They said the only thing they can do is open a new dispute and provide me an e-mail to my company so I can contact them in order to get my company to fix the issue. They were emphatic that my company is giving them the information, and there is nothing they can do about it except open a new dispute and that they have zero contact information for the people that did the investigation for the previous dispute They have refused to tell me how they investigated the issue and will not discuss the dispute any further and will only open a new dispute. My conversation to try and resolve the issue ended with being put on hold when I asked for a supervisor and the call being dropped.
Product: Mortgage

Freedom Mortgage has repeatedly not credited timely payments by holding up the processing of these payments until after the " late payment date ''. Then the following invoice includes a " late fee '' for not making a timely payment. In this case, the payment was not processed for 3 weeks after the payment was made. As this continues, late payments accrue as it is not possible to receive the next months invoice ( with the new " late charges '' ) in time to pay the next, which based on their processing times exceed three weeks. The last time this happened, they refused to apply my payment because it did not include the " late fee '' and hit me with a credit ding for being 30 days past due. Of course I had no idea it was processed after the deadline, as all of these payments are automatic through my on-line bill payment. 
It seems Freedom Mortgage is using this technique to skim an additional payment on each mortgage payment. It seems irrelevant when they receive payment, they only credit the payment when it is " processed '', which is entirely up to them.
Product: Credit card

Capital One changed the interest rate on my credit card account from 0 % to 12.90 % APR without any notification that this change was taking place. As a result, I had no time to remit payment in full on my account prior to the interest charges beginning to accrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously opened a dispute with XXXX XXXX regarding them showing that I was over 60 days late on two payments, one in XXXX of XXXX and one in XXXX of XXXX. This was incorrect as I have proof that I paid on time both months. I submitted this proof in a dispute and it was deemed accurate and the late payments were removed from my account. The following month however, XXXX XXXX replaced the late payments again. They've done this twice. Every time I prove the payments weren't made late its temporarily removed and then they're allowed to simply put the late payments back on my report the following month. It just keeps reappearing despite having the late payments removed multiple times.
Product: Debt collection

On Tuesday XXXX I talked to a representative with Conn 's and informed them that I was going to be paying the bill on Friday XXXX  and asked them to please stop calling me or at least lower the amount that they call me. They increased the amount of times that they called me to 4 phone calls and 2 text messages every three hours. This is unheard of and uncalled for. When I called and asked them to please stop calling me, the rep hung up on me and I received another call within a hour. I am now having to turn off my phone because of Conn 's. I am within my grace period and have made a promise to pay. There is no reason for this abuse!
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with my Equifax credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or XXXX-party database search. Please also notify the source who reported the item within XXXX XXXX after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Systems Provide verification of the following : XXXX. The original Application or contract ; XXXX. Any and all statements allegedly related to this debt ; XXXX. Any and all signed receipts ; XXXX. Any and all canceled checks ; XXXX. Original date of default and collection activity begin XXXX. Whether you purchased the debt, and if so, the amount paid for the debt XXXX. The date ( XXXX ) the debt allegedly accrued ; XXXX. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt. 

XXXX are required by Fair Debt Collection Practices Act to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within XXXXXXXX XXXX of the first contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove addresses : XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Remove Employers : XXXX UNKNOWN Update Address : XXXX XXXX XXXX XXXX VA XXXX
Product: Credit card or prepaid card

I returned 2 orders to XXXX in XX/XX/XXXX on orders that I purchased in XXXX of XXXX. Back then, the Fidelity credit card was issued by XXXX XXXX. Since then, Fidelity has switched issuers to Visa. 

XXXX processed the returns to the original credit card of purchase ( Fidelity XXXX, now a Fidelity Visa ) on XX/XX/XXXX. The two separate amounts of {$160.00} were not credited to my account, likely because Fidelity 's systems are not set up properly to acknowledge the return from XXXX. 

Since then, I've called in to Fidelity over 10 times to get the 2 refunds  processed to my credit card account. I've spoken with multiple agents and faxed in the XXXX email confirmations that show the two separate returns. Fidelity has yet to take action and do anything. It has been 4 months.
Product: Checking or savings account

**Subject : ** Formal Complaint Against Wells Fargo for Financial Misconduct and Consumer Rights Violations **To Whom It May Concern, ** I am submitting this formal complaint to report serious misconduct by Wells Fargo that has caused significant financial and emotional harm. The following are the key issues : # # # 1. **Withholding of Unemployment Funds** - On XX/XX/year>, the California Employment Development Department ( EDD ) deposited unemployment funds into my Wells Fargo account . However, these funds never appeared in my account.

- Wells Fargo falsely claimed the funds were returned to the EDD, but the EDD has confirmed this is not true and provided verification.

# # # 2. **Tampering with Account Transactions** - Multiple transactions in my account were altered or erased without my authorization.

- I have screenshots showing discrepancies between my account activity before and after the alleged tampering.

# # # 3. **False Advertising** - I was promised a {$120.00} promotion for setting up direct deposit when opening my account. Despite meeting all requirements, this promotion was never fulfilled.

# # # 4. **Unauthorized Disclosure of Personal Information** - Wells Fargo disclosed my personal account details to my employer without my consent, which is a violation of federal privacy laws, including the Gramm-Leach-Bliley Act ( GLBA ).

# # # 5. **Illegal Recording of Conversations** - Conversations with Wells Fargo Loss Prevention managers were recorded without my consent. As a California resident, this violates the state 's two-party consent laws.

# # # Supporting Evidence : - Screenshots of my account activity before and after the discrepancies.

- Correspondence from the EDD confirming their deposit and denying any return of funds.

- Emails and records documenting the missing {$120.00} promotion and other issues.

# # # Resolution Sought : 1. Immediate investigation into the withheld unemployment funds and restoration of the missing amount.

2. Fulfillment of the {$120.00} promotional offer.

3. Formal acknowledgment of privacy violations and appropriate corrective actions.

4. Compensation for financial damages and emotional distress caused by Wells Fargo 's actions.

This complaint involves violations of federal and state laws, including : - The Gramm-Leach-Bliley Act ( GLBA ) - California 's Invasion of Privacy Act ( CIPA ) - False advertising and deceptive practices laws I respectfully request your assistance in resolving these matters. Please let me know if additional information or documentation is needed to support this complaint. 

Thank you for your attention to this urgent matter. 

**Sincerely, ** XX/XX/year>
Product: Credit card or prepaid card

We used two credit cards from chase bank to purchase two services. We never received either service. We disputed all five charges which were made from one merchant who billed us under two names. Chase agreed with us in three if the charges but has refused to provide relief for the last two. We disputed the charges in XXXX of 2019, provided all information requested. Even had our chase banker fax information the information from her bank to credit card division in XX/XX/XXXX. We also faxed the information ourselves to them in XX/XX/XXXX. I made multiple calls to them and asked what additional information they needed to resolve the last two disputes. We provided everything they asked for. In XX/XX/XXXX I was told that too much time has passed to resolve the final two disputes. One of the disputes they had resolved in XX/XX/XXXX was to the same named company that the last two disputes. I asked them the logic of approving one of three disputes with the information provided but not the last two. No answer provided. I requested a copy of all information we had provided them. They sent only the information provided on the claims from the card with the two open claims, not the information from the card which had a very similar charge settled in our favor. I have request that information again and am waiting for response. Thank you.
Product: Debt collection

I am writing to formally dispute the inaccurate information listed on my credit report concerning the following account : Creditor : XXXX XXXX XXXX  Account Number ( Last 4 Digits ) : XXXX Status : Charge-off Upon reviewing my credit report, I noticed discrepancies in the reporting of this account. As required under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information provided. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any information that is inaccurate, incomplete, or can not be verified must be promptly removed or corrected. 

The reported details are as follows : Credit Usage : 100 % Balance : {$1000.00} Status : Charge-off as of XX/XX/year> I believe this information is inaccurate. Specifically, I dispute the charge-off status, the balance owed, and the credit usage percentage. 

To resolve this matter, I request : 1. Proof that the account was appropriately closed and charged off.

2. Documentation verifying the accuracy of the balance and payment history.

3. Evidence that all relevant information complies with the Fair Credit Reporting Act ( FCRA ).

If the accuracy of this information can not be verified, I request its immediate removal from my credit report.

Please complete your reinvestigation within the 30-day timeframe required by law and provide a written response detailing your findings. If the information is found to be inaccurate or unverifiable, I expect it to be corrected or deleted as mandated by 15 U.S.C. 1681i ( a ) ( 5 ).
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 XXXXXXXX XXXX # XXXX Account XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX  Account xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Account XXXX # # # XXXX 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 ; I did not give them 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: Checking or savings account

On Monday XX/XX/XXXX, I received a message from Suntrust bank to contact them immediately concerning our savings account. I called them and was informed that there had been two fraudulent withdrawals from a Suntrust branch in the Washington DC area. One withdrawal was {$1000.00} and the other one was for {$2100.00}. The person who made the withdrawals had a fake drivers license with my information on it and Suntrust actually had the license in their possession. Over the next several days, I was told that Suntrust had put the money back into our account. I was contacted by the XXXX county Police Depart. In Maryland on Monday XX/XX/XXXX with a case number. The fraud actually took place in Maryland. I can't see the balance online because they have it locked. I went into the local Suntrust branch in XXXX, Ga on Monday XX/XX/XXXX to transfer some money from our savings account to our checking account and learned that the money has not been refunded back to us! The customer service representative called the fraud department and I was told I would be contacted in 24 to 48 hours. As of today on Mon. XX/XX/XXXX, I have not heard one word from them and the {$3100.00} still has not been refunded. It's now been six weeks. This is not acceptable. Please help me to hold Suntrust accountable and to return our money! 
Thank you
Product: Credit reporting or other personal consumer reports

I had got behind on my payments. When I able to make payments, I logged into the website and it states that I am in collections with XXXX and to call them at XXXX and have to make payments through the collection agency ; {$920.00} for 6 months and they are adding monthly interest of {$76.00} back to my balance. I see the payment of {$920.00} was updated to my account but my credit report shows that I have not made any payment for over 3 months. That's incorrect. 

The website states that my next payment is due on XX/XX/year> for {$120.00} which is not what was said previously. 

When I look up the debt on my credit report, it's for their previous company name, XXXXXXXX XXXX XXXX. This doesn't even match who they are now. It shows I'm in collection but it is not coming up as a collection on my credit report. They are making even more money on me by adding back interest like they are a collection company. They are supposed to be helping small businesses like myself but are inactuality making money off of us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I called XXXX and complained they were reporting information on my report several times. I also requested to consolidate the loans and was approved for consolidation. When I opened the loans I was not told the loans would have several accounts. I was never told the the several accounts would report several times and on different dates. This is false inaccurate reporting and ruining my credit because each month my credit decreases by XXXX points and has done so for 15 years. This is ruining my credit, stopping me from getting a house, and good employment. 
I called again in XX/XX/2022 and complained about the same issue and 2 days later another XXXX balance was added to my credit report even though I requested my loans be consolidated into one payment on one account. This eas never was never done. I also requested to defer my payments until XX/XX/2022. I was told this was approved as well but the loans still keep showing past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a loan off in full and they are still reporting it as a charge off. They refuse to remove the charge off even though they acknowledge we paid them in full. They claim it was a sequence of events and too bad. In the meantime they are reporting incorrectly to the credit bureaus and I can not get a mortgage until it is removed.
Product: Credit reporting or other personal consumer reports

I looked at my account on XXXX of XXXX, and noticed some things are incomplete and not accurate as far my credit reporting on all three credit bureau. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow procedures to assure maximum possible accuracy of the information concerning the individual, about whom the report relates. 

The account from XXXX XXXX is showing as inaccurate balance when its closed. 
Account Number XXXX XXXX XXXX XXXX Account was paid off on XX/XX/XXXX of {$780.00} As of XX/XX/XXXX account was closed, meaning I couldn't have used the credit card any time after it was closed. 
As of XX/XX/XXXX balance came to {$0.00} Now all of a sudden I have a balance of {$1000.00}, that I don't know of.
Product: Checking or savings account

Many years ago we banked with Wells Fargo in XXXX XXXX, WA. and we were charged numerous overdraft fees when half the time we had money XXXX day and the next it was gone and they ended up closing our account and charged us a ton off money so we didnt have to owe.
Product: Checking or savings account

On XX/XX/XXXX, my husband was alerted through his US bank app that a check was cashed from our account for the amount of {$500.00}. He immediately asked me if I had written a check for {$500.00}, which I did not. I had written a check for {$50.00} on XX/XX/XXXX and put it in my mailbox addressed to XXXX XXXX XXXX XXXX. We were able to obtain a picture of the cashed check through the app, which had clearly been altered to reflect a different amount and payee. Immediately upon opening that morning, my husband went to a branch of US bank and froze our account. He then opened a new account and moved as many things over as possible to ensure our money was protected. He filled out a customer statement and affidavit in person on XX/XX/XXXX. We also filed a police report with the XXXX Police Department on the same day. 

Since then, my husband and I have called at least 10 times to get updates on the status of our claim. We have been told that it takes time and to be patient. ALL communication has been driven exclusively on our part, though we are the victims in this situation. At one point we found out that the forged check was cashed at a different branch of US bank. Today ( XX/XX/XXXX, nearly a full month later ), I was told on a call that I initiated that I ( XXXX XXXX ) needed to fill out the same paperwork that my husband filled out on XX/XX/XXXX. This was not communicated by anyone at US bank, and would not have been communicated at all if I had not initiated the phone call. 

We are privileged to be in a position where we do not live paycheck to paycheck. We were able to make our payments last month without the {$500.00} that was stolen from our account. However, I am very frustrated and unhappy with the lack of communication and service that US Bank has offered during this time. I am concerned that I am doing all of the legwork and that no one seems to be doing anything to remedy this egregious error. 


I am not attaching any documents as they contain our personal banking information.