23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 I was referred to provider XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX for XXXX by XXXX XXXXXXXX XXXX XXXX through the law firm XXXX XXXX XXXX XXXX due to a third party liability, at fault, rear end collision. I was invoiced by XXXX  XXXX XX/XX/2020. I am a XXXX XXXX by profession and had left the XXXX XXXX area and had took a job in XXXX, XXXX. I received the XXXX  XXXX invoice there from my taxable home in XXXX On numerous occasions I had tried to contact the billing department and was unable to speak with anyone. I assumed that the pandemic had created this communication difficulty and the XXXX ( XXXX XXXX XXXX XXXX ) was willing to pay the invoice, all they needed was for the firm to submit the bill on a XXXX XXXX XXXX XXXX XXXX Due to the inability to reach XXXX XXXX billing department to discuss this arraignment, the billing department at XXXX XXXX, sent the invoice into collections to Fidelity Creditor Service XXXX XXXX XXXX XXXX, CA XXXX on XX/XX/2020. I tried to explain the situation to the collection agency and they did not seem interested in helping XXXX  XXXX to get paid. Now I am dealing with a negative collection mark on my credit report and am at my wits end. I've put the collections in dispute to XXXX XXXX, but am unable to get help from them. The bill is {$600.00} now plus {$50.00} for collections and rising.
Product: Credit reporting or other personal consumer reports

1. There are two errors in the address where I used to live. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also have doubts about the calculation of credit scores, because my credit scores are rising in single digits, which is very slow, but the deductions of scores are calculated in two digits, and even once XXXX points were directly deducted because of a small problem!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX Date of Inquiry XX/XX/2023XXXX XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023 & XXXX  Date of Inquiry XX/XX/2023
Product: Credit reporting or other personal consumer reports

XXXX XXXX on XXXX XXXX in XXXX XXXX, GA ( XXXX XXXX XXXX, XXXX XXXX, GA, XXXX ) as well as XXXX Hyundai XXXX XXXX XXXX XXXX Hyundai ) on XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, GA, XXXX ) has run my credit to over XXXX banks without my consent. This is illegal and an impractical use of my credit report. I have only allowed them to check with two banks EACH. I have allowed XXXX to check with two and they have tremendously respected my request. Both of these companies assured me I wouldnt be run through more than one bank and has lied. I have made multiple attempts to get these inquiries removed from my credit report but these companies refuse to remove it. This is an abuse of my trust and my credit. 

The only authorized inquiries by these companies is : KIA MOTOR FINANCE - XX/XX/year> and XX/XX/year>. 
XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXX XXXX XXXX  - XX/XX/year> HYUNDAI MOTOR FINANCE - XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of ( XX/XX/XXXX ), deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond within 35 days of my letter. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 10 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and removed immediately, following failure to verify, deleted from my credit report as soon as possible : 1. Other information I would like changed, XXXX XXXX XXXX, Account Number : XXXX, please remove immediately. 

XXXX. Validate Account : XXXX, Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXXVALIDATE ACCOUNT : XXXX ACCOUNT NUMBER : XXXX, PLEASE REMOVE IMMEDIATELY XXXX. VALIDATE ACCOUNT : XXXX XXXX XXXX XXXX  : ACCOUNT NUMBER XXXX, PLEASE INVESTIGATE & REMOVE ASAP XXXX. VALIDATE ACCOUNT : XXXX XXXX XXXX. ACCOUNT NUMBER : XXXX. PLEASE INVESTIGATE & DELETE ASAP XXXX. VALIDATE ACCOUNT : XXXX XXXX. ACCOUNT XXXX : XXXX. PLEASE INVESTIGATE & DELETE ASAP 7.VALIDATE ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX. PLEASE INVESTIGATE, & DELETE ASAP 8. VALIDATE ACCOUNT : XXXX XXXX XXXX. ACCOUNT NUMBER : XXXX The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law you had thirty ( 30 ) days to complete your investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX SS # XXXX
Product: Checking or savings account

this all started on XXXX XXXX. I cashed a check I did not know was fraudulent until a representative from the organization contacted me to tell me the check was fraudulent. On XX/XX/2021, I notified XXXX XXXX of Chase Bank who believed the check was fraudulent. She informed me that the savings and checking accounts would have holds on them preventing me from using the funds. On XX/XX/2021, I notified XXXX XXXX that I did not have the ability to even get into the accounts to see what was going on. She called a representative from texas who basically said it was all about protecting the bank, not the customer and would not help me. I received a cashiers check for XXXX when it should have been XXXX and that is subtracting the XXXX, the amount of the fraudulent check. I even have a bank statement that reads on XX/XX/2021 that says for the account they say I owe money for for XXXX and it reads '' Debit DDA- Check Charge XXXX ''. They owe me XXXX, not the other way around. I spoke with XXXX XXXX and showed her the documents who tried to call the claims department who said they would issue a check for XXXX and this was on XX/XX/2021. She said to expect the check by the end of 2021. I never got it of course. Now Chase Bank sends me a letter saying I owe them XXXX when I have a bank statement saying it was already paid.
Product: Credit card or prepaid card

I made two purchases under {$75.00} and am being charged high interest on old balance plus high finance charges on purchases and current balance XX/XX/2017. I have always been timely with payments and believe interest rate is too high and also finance charge is too high. I asked many times for lower interest rate because I have moved to a state ( Illinois ) where  the cost of living is high and income is lower than when I was given this credit in CA. They refuse to lower interest rate and finance charges.
Product: Money transfer, virtual currency, or money service

On XX/XX/2017 morning, I went to the Wells Fargo Branch located at XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX. I deposited a $ XXXX check to transfer money from my XXXX checking account to my Wells Fargo saving account. It took 10 mins to get done. After that, I went to the XXXX branch next to Wells Fargo branch in the same plaza. I deposited another $ XXXX check to transfer money from the same XXXX   account to my XXXX saving account. 

On XX/XX/2017, $ XXXX was deducted from my XXXX account. XXXX was great and I immediately saw the $ XXXX new money in my XXXX saving account. However, Wells Fargo was keeping holding my $ XXXX money for extra 10 days. Until ten days later, I finally saw the new money in my Wells Fargo saving account. 

During that ten days, I reached out to Wells Fargo local branch and also the corporation representatives. None of them gave me a solution. I clearly felt that they just tried to hold my money as long as possible. 

Conclusion : Wells Fargo cheated and took advantage from consumers. More importantly, I am not the only case, the same activities are still happening on my friends. I want to make this issue public so that other consumers won't be trapped by Wells Fargo.
Product: Credit reporting or other personal consumer reports

Hello, I was shocked to know that my credit report has been improperly used, an application was done in my name and this company pulled up my credit report without my consent nor authorization, Neither I recognize this fraudulent inquiry nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Product: Mortgage

Flagstar has charged me escrow for an insurance policy that I already have on the property.

1 ) Flagstar charged {$2900.00} for insurance on XX/XX/year>, which I did not need and did not approve. I already told them I have insurance, and they did not need to purchase any. 

XXXX ) I was charged XXXX for escrow, which I closed years ago. Criminals. I have attached Flagstar 's written approval of my escrow waiver. 

3 ) Flagstar XXXX debited my XXXX  account ( XXXX ) without my authorization. Felony. 

I have attached my insurance declaration for the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self Financial, Inc. Is in violation of the Fair Credit Reporting Act due to negligence on your behalf and failure to report accurate and updated information to the credit bureaus. You have failed to update my Self Credit Builder account. This account has not been updated to any of my consumer reports with either reporting agency, such as XXXX XXXX, and XXXX. The account shouldve been closed out on XX/XX/XXXX, and sent to each reporting agency. You have yet to send the reporting agencies anything about my account since XX/XX/XXXX. Within that time I made two ( 2 ) more payments on XX/XX/XXXX, I paid {$400.00} and interest payment of {$4.00}. Nothing has been updated and sent to the reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Military Star Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Synchrony Bank/PayPal has and continues to charge us late fees and interest on Fraudulent charges that they have since resolved. However, the previous late charges and interest have not been credited and they continue to charge additional late fees and interest as they consider the account delinquent. We have tried several times to get this resolved but it does not appear they understand how their systems work. Should be simple math. We had a XXXX balance. Fraud was committed on the account. Fraud is resolved. No additional purchases as account was closed out. Account balance should be XXXX.
Product: Credit card or prepaid card

I scheduled a payment to pay off my balance prior to the program for no interest for a period. The payment was scheduled on-line and the company chose not to process to allow the program to expire and charge me almost the balance in interest. 

This company has hundreds of reviews online of this practice. Please help stop these business practices Attached is my email confirmation of the scheduled payment.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

There's an account in my report from XXXX XXXX  and they are reporting as account corp of southern Nevada. I've never had an acct with them and I disputed and it took more than 30 days to respond and it wasn't removed. Submitted dispute on XX/XX/XXXX wasn't resolved until XX/XX/XXXX and still wasn't corrected!.
Product: Debt collection

On XX/XX/2018 I sent XXXX XXXX a certified letter as required for membership to be canceled. XXXX  XXXX  claimed that they never received the letter and sent my account loff to collections which have had negative effects on my credit. I filed a XXXX   complaint # XXXX against XXXX XXXX after taking all the appropriate steps to provide them with the necessary documents requested. The complaint was closed because XXXX XXXX never responded. From my previous CFPB complaint, both the collection agency and XXXX XXXX stated that the issued would be cleared once the certified receipt was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

- We purchased a new home in XX/XX/2019 and moved to a new address. 
- in XX/XX/2019 I applied for my third and final student loan for XXXX XXXX ( two previous loans approved. I have high 800 fico score -  Student loan declined not for credit, but due to Equifax not finding my credit file -On XX/XX/2019 I was instructed to call Equifax which I did and they informed me that they could not find a file under my name with that social security number or address.They requested me to fax a  letter with a copy of my social security card, drivers license, utility bill, -On XX/XX/2019 I faxed all of the above items as well as my old drivers license from my previous address and my new driver 's license from my new address and even sent them a copy of my grant deed on my new home - On XX/XX/2019 Equifax sent me a letter informing me that the fax we sent was illegible and they sent me a list of new items to send them. 
_On XX/XX/2019 I made color copies of all of the requested items including a copy of my W2 from work. I also include a copy of a Factual Data report that was run by our home loan lender. This report shows my name however the last four of my social security is incorrect. I pointed this out to them in another detailed letter along with several pieces of documentation per their form letter. I sent this letter via USPS priority mail as I am in need of my third student loan to complete my XXXX XXXX degree. 
-On XX/XX/2019 I received another form letter from equifax identical to their XX/XX/2019 letter. 
On XX/XX/2019 I ran my own credit report for the 3 major bureaus. I received two of the three reports with my correct personal information except for Equifax that would not provide me a report with the online information I provided. 

I am a XXXX XXXX  in an XXXX XXXX XXXX as well as going to XXXX XXXX. 
I am not a credit seeker and both my husband and me have outstanding credit. 

We sent the items as requested by Equifax. We sent more items than they required as well as their own report that shows they have my wrong social security number. 
It is unfathomable that this so-called Credit reporting agency can  provide accurate reports for me for over 10 years and now all of a sudden they can not find my file, creating a significant problem for me obtaining my student loan. No because of poor credit but due only to their inability to correct my credit report. 

-It is noteworthy that all the other credit bureaus list my name as XXXX XXXX XXXX except for Equifax that lists me as XXXX XXXX . 
Also noteworthy is that the last 4 digits of social security number Equifax is using is " XXXX '' WHICH IS NOT MY SOCIAL SECURITY NUMBER! 

Please help me as I need to register for my next semester and can not due to an Equifax error. This is now compounded due to their terrible customer service and form letters. 
Again please help me. I hope that someone is not in the process of stealing my identity!
Product: Debt collection

I have asked Jefferson Capital Systems to stop calling they won't. I have asked them to stop sending me letters in the mail and asked them to co firm the debt they claim I owe but they don't. They harass me to a point that it is causing me sleep and I can't even keep my phone ringer turned up.
Product: Debt collection

On XX/XX/XXXX, a two ( 2 ) page written dispute letter explaining the grounds under which the alleged debt was disputed and was not owed by me was U.S. mailed return receipt requested to XXXX XXXX XXXX, the Florida Registered Agent for XXXX XXXX and their affiliates doing business in Florida, and such letter was received and signed for by a representative of XXXX XXXX XXXX on XX/XX/XXXX. To date, XXXX XXXX has not acknowledged and/or responded to this dispute letter. 
During the mid to later part of XXXX, XXXX, my first and only correspondence from XXXX XXXX XXXX, XXXX mailed me notices ( first dated XX/XX/XXXX and the second dated XX/XX/XXXX, XXXX ) which failed to disclose in such notices in violation of FDCPA the following, but not limited to, illegal acts and/or violations- ( i ) debt was in dispute, ( ii ) my right to dispute validity of debt and be provided proof of said debt even though it had already been disputed, and ( iii ) threatened to report debt to credit reporting agencies without disclosing debt is in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported incorrect information to my credit file and refuses unlawfully to remove it. XXXX XXXX credit card services incorrectly charged me a late fee and added missed payment to my file. on XX/XX/2022 XXXX XXXX caught mistake and issued XXXX late payment reversal credit to my account ending in XXXX, also removed late payment from file. After reporting this to EQUIFAX and providing proof they still have refused removal.
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 : XXXXXXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX concerned about a inquiry on XXXX/XXXX/XXXX, I was told to contact creditor. I contacted creditor who after a 1hr call stated to dispute it because they have no information that pertains to me or the inquiry. I contacted the cb and they told me to file a complaint because they ca n't remove an inquiry unless the creditor sends documents to remove. Which they can not because the creditor has no info for the inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent out XXXX letters to all 3 credit bureaus Transunion, XXXX, and XXXX. The letters detailed my disputes of the accounts that the bureaus are reporting inaccurate information on my credit profile. Its been over 60 days and I have not received any information on the results of the investigation from the bureaus.
Product: Credit reporting or other personal consumer reports

Report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and EXPERIAN continues to report an invalid XXXX Bankruptcy on credit report. I have contacted the XXXX XXXX  Court about this matter, they have advised me they hold no record of any bankruptcy filing for me, and they do not give or furnish any information to 3rd parties like credit bureaus. I Have written to Experian directly via certified mail twice and have not received any response back. That is a violation and force to now seek the help of the CFPB. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this inaccurate reporting must be deleted immediately.
Product: Debt collection

I have recently moved out of my home, lead to not receiving the debt letters on time. As of XX/XX/2021 I owe {$380.00} to Synchrony Bank XXXX XXXX. Due to COVID-19 and my recent move, I can not pay in full the debt that is owed.