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

I am submitting this Complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I need the following items removed from my Credit File : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance $ - ( previously Late Open ) XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} DEPT OF ED Inquired on XX/XX/2022. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked XXXX XXXX and there is a hard inquiry from XXXX ( Retail, Not Elsewhere Classified ) on XXXX XXXX, 2017. I never authorized a credit check for anybody in the past 2 years. it is showing up on my Equifax report
Product: Bank account or service

Letter sernt via email to XXXX XXXX today, XXXX/XXXX/2016 As a consumer and a customer of Wells Fargo Bank, I am greatly disappointed that I have to forward this issue to the Chief Executive Officer of a major cooperation for the correction of a {$400.00} deposit. To many in your organization that may not be a lot of money, but as a retiree it is important to me. 

On XXXX XXXX, 2016 I submitted a check in the amount of {$400.00} to be deposited in the account referenced above at the XXXX XXXX Bank in XXXX Texas. However, I am being told that the image reader interpreted it as {$200.00}. I noticed the discrepancy on XXXX XXXX and called the bank. I spoke with XXXX XXXX who identified the discrepancy and assured me she was submitting the information for correction. XXXX XXXX also stated it would be corrected in a matter of 4 days. Well here we are on XXXX XXXX and it remains unresolved. 

I personally returned to the bank on XXXX XXXX and spoke with the Assistant to XXXX XXXX who stated he would follow-up if XXXX XXXX did not. I made XXXX subsequent telephone calls and again, I was told by XXXX XXXX it would be resolved by XXXX XXXX. I called again on the XXXX to state it had not been. No one has called me back. 

Yet, I can make an online transfer on the XXXX of XXXX from XXXX of my accounts to another and Wells Fargo processes it on the XXXX, and charges me over-draft fees. 

My expectations of responsiveness by Wells Fargo is quite low. So hopefully to ensure a timely response and resolution I am also sending this to the Consumer Financial Protection Bureau. I have been a customer with the bank for many years, going through several sells. I have multiple accounts with this bank. My loyalty and support appears not to be worthy of good customer service. In addition, community outreach needs improvement as well.
Product: Debt collection

I had spoken with Sterling and Associates before I started working at this company that I work at currently. Somehow they got my phone number as I did not give it to them. I told them that I did not give them my phone number voluntarily and they said they knew that I did not. I would like for this company to not contact me at my place of employment.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposits from my employer and any other incoming deposits to my accounts. XXXX XXXX has cited that there are technical issues, which XXXX violate the XXXX Funds Transfer Act XXXX as it requires timely access to funds. This situation raises concerns and consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Also, I have credit cards with XXXX XXXX that are due today XX/XX/year>. As my funds were not deposited it created a conflict which will also impact my XXXX XXXX as I am unable to pay my credit cards and will ding me for late payments which will reflect on my credit report. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  ACCT # 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
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX, I obtained a title loan as a financial mean to help pay housing fees to avoid eviction. My plan was to obtain the loan and pay the loan off with tax return, but tax return was taken due to child support. I have been paying interest for the past 2 years of {$800.00} plus dollars, this amount collected is the cost of a new vehicle off a car lot. These past two years have kept me in a financial hole and I cant seem to pull out. This is stressful, emotionally disturbing. This car has been repo twice due to my failure to make interest payment on time monthly. The vehicle was repo last in XX/XX/XXXX, and the title company played phone tag and placed us on hold for over a month before we could get the car back.
Product: Credit reporting, credit repair services, or other personal consumer reports

A charge off account appears in my credit. Never heard of the company before - XXXX XXXX. Contacted them, inquiring about this charge. A camera was purchase with my credit and delivered to an address is not mine. I told them this was fraud ; it wasnt me. They told me will take care of this. In XX/XX/XXXX still in my credit and try to dispute this through EXPERIAN and Now it says will remain in my credit until XXXX. It is obvious some one else purchased this and delivered it to their address.
Product: Credit card or prepaid card

I applied for a CAPITOL ONE credit card. I was issued a denial on XX/XX/2023. CAPITOL ONE stated they denied me based off of non-consented information on my consumer credit report. 

On XX/XX/2023 CAPITOL ONE was in receipt of MY notice not to deny me MY RIGHT to credit. I also informed CAPITOL ONEs CFO that my application was a transferable security and any use of my personal non public information such as my Social Security Number attached to my application, is unauthorized use if CAPITOL ONE denied me my rights. The CFO was also put on Notice that I may make application for such amounts of credit thus applied for and in exchange, CAPITOL ONE would be compensated by the Federal Reserve dollar for dollar in return for my collateral security via certified mail : XXXX On XX/XX/2023 CAPITOL ONE notified me by Mail that CAPITOL ONE will remain willfully noncompliant to my request & decided to continue in denying me my right to credit. This action tells me that CAPITOL ONE does not abide by The Equal Credit Opportunity Act which prohibits creditors from discriminating against credit applicants on the basis of protected categories. This means that creditors can not refuse to give me credit, discourage you from applying for credit, or give me less favorable terms on a credit account because I exercised any of my credit rights. I am to be given an equal access to credit, regardless of my protected characteristics, because I applied in good faith and to better my personal, family, & households situations.
Product: Credit reporting or other personal consumer reports

XXXX has charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact and all payments were made on their respective due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my inquiries. 
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: Credit card or prepaid card

I purchased a XXXX XXXX XXXX XXXX from XXXX and had {$100.00} loaded on it. I was charged an additional {$2.00} convenience fee as well. 

I did not realize that when I purchased it that I would need to provide my social security number and birth date with the company in order to use the card and redeem the money I already loaded on it. It also seems like they are going to charge a {$1.00} every time I use the card. I am not looking to have a financial relationship with the company and have no intention of reloading the card. I simply want to access the {$100.00} I already put on it without paying a fee every time. 

The phone number they provide does not have an option to speak with a customer service rep. It disconnects you if you do anything but follow the activation instructions. it is the only # the company provides and they market it as a customer service line, including for questions or refunds. 

I have sent emails to the company as well and get non-specific messages back that tell me they need more info but don't ask for anything in particular. Just my phone number.
Product: Credit reporting or other personal consumer reports

I have a prior complaint # XXXX to be exact and I Requested the account in question be removed due to incorrect information and identity theft issues. The account in question was the XXXX XXXX acct # XXXX. Equifax promptly accommodated my request and remedied my complaint by deleted the account. The information on the account has since been updated and is closer to one hundred percent accuracy. My security freeze has since been lifted. So at this particular time Im experiencing hardships with differences in my consumer score across all three agencies. I have suffered damages having my true credit age standing not being reported at all. I wish to handle this amicably ; so that I don't have to proceed with a law suit as done in the past. I have called Equifax via phone a few times and haven't had any success I have recordings of the interactions with me and the company affiliates seeing as the state in which I reside, is a one party state. The precaution taken was well with in my right as a consumer and as natural person. I will provide them if necessary.
Product: Debt collection

XXXX : :-XXXX XXXX XXXX  XXXX XXXX15 U.S CODE 1681b-PERMISSIBLE PURPOSE And 15 U.S CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION and 15USC 1681 a ( d\ ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. Or I will begin civil litigation and charge a {$1000.00} per each violation under 15 U.S Code 1692k - Civil liabilty and 15 U.S Code 1681n - Civil Liabilty for willful noncompliance to the fullest.
Product: Credit reporting or other personal consumer reports

I am one of the XXXX Data Breach victims, and TransUnion still refuses to delete the following accounts : XXXX XXXX Account # XXXX Please help me delete this account from my credit report the other bureaus XXXX, has already deleted it from my credit report
Product: Student loan

Because of an error on the side of FedLoan Processing, my consolidated federal student loan has been wrongly split into two different loans for the purposes of TEPSLF processing. One of my loans is qualifying for TEPSLF forgiveness but the part of my consolidated loan from an original Direct Unsubsidized loan is only showing 70/120 qualifying payments. This is ALL THE SAME CONSOLIDATED LOAN. It was discharged and paid together consistently. Multiple agents at My FedLoan have reviewed my case and admitted that it is an error on their part and that the CONSOLIDATED, SINGLE loan legally should have been treated as one loan. It was " submitted for review '' over a month ago and no one is able to give me an update or time frame for when they will resolve their own error. I have asked to be in contact with the office that reviews these cases and told that they can not disclose that information and that the office is simply " The Department of the Treasury. '' I have asked for an estimated or average time frame and been told that there is no possibility of doing that. I have asked where they are in the process and been told they do not know and can not give an update. I was told an agent was assigned to my case but when I received an email from that agent, their name was listed as " ( XXXX ) '' and their phone number was " ( P ) XXXX ''. 

it's unacceptable that a {$30000.00} error has no accountability whatsoever or urgency in fixing it, that the " agent '' assigned to me won't share their name, and there is no even estimated timeframe or ability to check on the status. They have admitted they are at fault but that does not seem to change the result.
Product: Credit reporting

Inaccurate information on credit report XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account Number : XXXX .... 

Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XX/XX/2016
Product: Debt collection

Notice Of Dispute : This is in reference to Account # XXXX This is my 4th attempt contacting Midland and they have refused to provide the validation letter per 15 USC 1692g ( a ) after I have explicitly told them I have never received this letter. Attached are responses directly from Midland to the CFPB and nowhere do they provide the Validation letter with the tracking number for proof of delivery with 5 days of initial communication. I am demanding deletion of account # XXXX from all credit reporting agencies immediately, as they have violated their requirement to be in compliance with the FCRA!
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts and inquiries listed on my credit report, as referenced below, which resulted from a data breach or fraud, as well as any unauthorized inquiries. I also request verifiable proof, including my signature or electronic signature, for these entries. This letter is being sent on my behalf, not by a third party, so please review it carefully. I did not authorize these actions, and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act, Section 605B, which mandates the blocking of information arising from data breaches or fraud [ 15 U.S.C. 1681c-2 ], and Section 604, regarding permissible purposes for consumer reports [ 15 U.S.C. 1681b ]. I have contacted the relevant companies and confirmed that these actions were initiated without proper validation or original proof from the reporting entities. These accounts and inquiries are inaccurate, as I never authorized them, and therefore are the result of a data breach or the unlawful reporting of my information by creditors or third-party data furnishers.
Product: Debt collection

I have XXXX collections in my account for TEMPOE. Why not lease it, as far as I know they were involved in a lawsuit and were ordered to release all contracts and any amount owed be cleared. They are still perusing this payment
Product: Debt collection

I have called this company multiple times to get validation for this debt. They do not have information to validate or verify that this account belongs to me. I spoke with 5 different representatives and no of them were able to locate an account in my name. However, this negative account is still showing up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX a living human with all of my rights afforded by the fcra I am writing this complaint against Transunion because on XXXX/XXXX/XXXX  I lodged a complaint against transunion complaint number XXXX transunion acknowledged reciept of the complaint as well as issuing an interim response. The fcra states clearly the laws for the credit reporting agencies to follow to the letter without deviation or self perception they are to be followed as written and the fcra allows 30 day for a credit reporting agency for in vestigation or reinveatigation with in certain circumstances being allowed an additional 15 days no where in the fcra are they given 60 day there fore this rule puts their investigative process past its expiration date and I move to please have the file inqueation from the dispute removed from my credit report as XXXX states earlier the fcra is the bi laws for data furnishers and credit reporting agencies and are to be followed as written and as absolute as can be so please cfpb enforce the deletion of the file attached to complaint number XXXX thank you
Product: Checking or savings account

I had deposited a check into my savings account and they freeze my account and are saying they going to close it because they can not verify the number to confirm the check but it does say the check has been clear but they canning give me my funds
Product: Credit card or prepaid card

This is my 2nd time filing a customer service issue related to Chase in the past month, I stated in the last one which is still technically open that this is unacceptable that Chase is treating me this way. 

Today I called in at XXXX XXXX EST to open a dispute about a past purchase and I was greeted with nothing but hostility, unprofessionalism, and your representatives giving me the silent treatment and unwillingness to help. The first rep was immediately combative to me and refused to help. When I asked for a supervisor transfer the rep had to make sure that she got the last word in which is EXTREMELY unprofessional! Then the 2nd rep in the end gave me the silent treatment like a disrespectful human. All I called in asking was to open a dispute against XXXX for a XXXX purchase for {$1100.00} as I'm well within their warranty period and they refuse to help me. Before she gave me the silent treatment she stated I should use the purchase protection which I opted to say that I had issues with given how unorganized they were with my last claim and I had to get Chase to intervene. 

I don't want the garbage product from XXXX and they're refusing to talk to me, my only recourse is through Chase for consumer protection.
Product: Debt collection

They keep reporting the wrong information to my credit report. There are two separate accounts they made instead of one collection but also this debt is no longer owed. The information is outdated and their communication was not up to standard when I tried to dispute information.
Product: Debt collection

XXXX was sent to collection agency letting them know I was in receipt of the letter they sent and I was disputing the alleged debt. I also ask them to provide me with documents verifying that I owe them money. Not a bill from the original creditor or a screen shot of my profile or transaction history with information from the original. I also asked them to send legal proof that they have the legal right to collect in my state and the supporting video gravy between than and I.
Product: Credit reporting or other personal consumer reports

Delete this account for Violation and inaccuracy because the last paid date for XX/XX/year> through XX/XX/year> reported is incorrectly on XXXX, XXXX and Transunion. In addition, number of late payments and status of account on XXXX do NOT match with XXXX, and Transunion. Account of Late payments are incorrect, and Date reported are incorrect, Status are incorrect on XXXX, XXXX, Transunion. 
Account name XXXX XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  account ( Account Number : XXXX XXXX ) Thank you for your previous response on XX/XX/2023 for the above account, however I am still in disagreement with the results of the investigation into the inaccurate items reporting on my credit file. I have yet to receive any verification or documentation proving that my payment history is being reported accurately, specifically in regard to the late payment. As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to investigate any dispute I bring to your attention and to correct any inaccurate information on my credit report. The FCRA requires that you provide me with the results of your investigation in writing, including a description of the nature and substance of the information received from the original source, and a notation that the information is being disputed. I would also like to bring to your attention that the late payments that have been reported on my credit report are in violation of 15 USC 1666 b. This law requires that creditors report accurate and complete information to the credit reporting agencies. Additionally, under the FCRA, you must provide me with all relevant information used in reaching the conclusion of the investigation, including any documentation or verification from the original source. This is to ensure that I have the opportunity to review the information and determine if it is accurate. Given the provisions of the FCRA, I expect that you will have no choice but to update my payment history to current and my status to paid as agreed and never late. I look forward to your prompt resolution of this matter.