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

Hi, I was never contacted by wells fargo over the settlement in which they abused customers and ordered XXXX settlement. My account was wrongfully charged a monthly fee even though I held the minimum balance of {$500.00} throughout that time. Also, I was charged many overdraft fees that I felt were unwarrented and very shady. Example I deposited cash at XXXX to make sure my account was in good standing before the end of day billing but my Car insurance payment went through just before midnight and then my renters insurance the following day. Funny, these payments are sent from the same company and feel it was very suspect for this to happen just before midnight in order to charge me a overdraft fee. I had contacted them multiple times regarding overdraft fees and received many excuses. Can someone please help me in figuring out why I was excluded from any compensation for there one of many wrongdoings.. 

Also, I had to let my credit card with Wells Fargo close and go to collections over an unfair reversal that was hit on my account after being told my dispute after being ripped off by was settled and closed only to be recharged for this amount many months later was just unbelievable. I was told it was closed and this showed as closed on the website/app I don't understand how you can just come back many months later and charge me again after you " closed '' this case. I never received any information just a hefty charge which obviously as a small business owner during the still covid economy I had no options at my disposal but let it tank my credit score and my cc standing. 

Thank you for your time, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I ) Experian is reporting negative information on my behalf without my written permission. 
II ) Experian is reporting unauthorized inquires on my report. The inquires are as follows : * XXXX XXXXXXXX XXXX XXXX XXXX * Mortgage XXXX XXXX XXXX XXXX ) Experian is reporting late payments from XXXX XXXX on * XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX ) Experian is reporting a late payment from XXXX  XXXX. I have never been late to XXXX XXXX V ) Experian is refusing to remove multiple aliases from my consumer file. The aliases are as follows : XXXX XXXX ; XXXX XXXX XXXX ; VI ) Experian is reporting addresses that I have never lived not do not reside. The address are as XXXX XXXX XXXX XXXX, NY XXXX XXXX ) Experian is not reporting XXXX XXXX XXXX XXXX XXXX with the information as follows : Status open ; Open XX/XX/XXXX ; Credit Limit XXXX {$900.00} Acct # XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ccordance 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 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section Stat7es : 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: Student loan

I have two loans with New York state higher education services. The total amount of the loan is XXXX. Ive tried contacting them ( thur mail and over the phone ) about rehab option but they always told me that my loans where in collections and nothing can be done but pay the debt in full. I've been homeless for the past 5 years have proven letters to prove it. My only income is {$260.00} XXXX and {$1100.00} dollars a month for XXXX XXXX XXXX XXXX. I would like to know any realistic options to resolve the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions.

In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions.

In accordance with the fair credit reporting act XXXX XXXX  account # XXXX  has violated my rights.

15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions.

In accordance with the fair credit reporting act XXXX XXXX  account # XXXX has violated my rights.

15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions.

In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, or personal loan

Back in XX/XX/2017 I opened an account with Speedy Cash. The credit limit I was given was {$700.00}. The amount of fees they charged made it impossible to pay it off. The monthly payment was extreme and only a very small percentage of it went towards the principal balance. I could not keep up with it. 

They continued to tack on fees upon fees. Somehow it ballooned into {$1400.00}. More than twice what my credit limit even was. They are trying to collect this amount through a collection agency named XXXX XXXX. 

XXXX XXXX is referring to Speedy Cash as their client in every letter I have from them. But XXXX XXXX is reporting to the credit bureaus as the collection agency owed the money. 

I see no reason for a {$700.00} line of credit to balloon to more than twice the amount owed. It is impossible for people to pay it off even when they try. It's impossible to know who I am actually paying when I get confusing collection letters and conflicting information on my credit report.
Product: Debt collection

XXXX breached contract against XXXX XXXX, thus patient not liable for XXXX fees.
Product: Debt collection

This company contacted my parents cell phone. Their number wasnt listed on any of my accounts, I dont know what kind of methods they use to find numbers they not supposed to call. I already work with debt management company to resolve my debt situation, but these guys trying to collect the maximum interest amount.
Product: Checking or savings account

In XX/XX/2023 a checking and a savings account were opened in my name at Citizens Bank. The accounts end in XXXX and XXXX. Both accounts have been closed at my request.
Product: Credit reporting or other personal consumer reports

These credit card applications were applied for fraudulently on the dates listed below and are showing up as Hard Inquiries on my credit report. 

XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

It is Experians duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

Experian is reporting an inaccurate late payment for the XXXX XXXX account " XXXX ... '' This is a 30 day late payment posted in XX/XX/2019. 

This is incorrect and supposed to be reported as PAID AS AGREED. 

Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. 

A transaction constitutes these late payments resulting in Experian violating my federally protected consumer rights. To add to this, I did NOT give Experian written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ).

It is clear that Experian has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination. 

I am trying to get business funding and this incorrect information is directly harming my ability to do so.
Product: Credit reporting

1. I just received my free annual credit check and was disgusted to see that XXXX XXXX only show my payment history since XXXX XXXX even though the account was opened in XXXX XXXX and payments made on time for 8 months have magically disappeared from the public record. 
2. Even though XXXX XXXX closed my account in XXXX XXXX it was paid in full the same month. 
Therefore XXXX XXXX is misrepresenting my credit history adversely as it is effectively " playing XXXX '' by deciding to show the only bad issue on my entire credit history and not show the full picture. This is a shameful and blatant misrepresentation of the truth and we consumers seemingly have no recourse. 
3. To make matters even worse XXXX has run my credit without my approval in XXXX and XXXX XXXX. I have no interest in ever dealing with XXXX again but they told me they can run my credit as much as they like and there is nothing I can do about it. This is morally outrageous and offensive. We consumers should be afforded legal protection from these corporate vultures and I formally request that they stop snooping into my credit that they have adversely impacted. In other words, these companies should not be allowed to run consumers credit without the prior approval of consumers.
Product: Credit reporting or other personal consumer reports

I am very concerned because Amex notified me that they are reporting this account with an incorrect account number in violation of the FCRA. They are knowingly continuing to report this account. Please see correspondence they sent me. They are taking advantage of me as a consumer by violating federal law and want to hold them accountable.
Product: Credit reporting or other personal consumer reports

the following inquires i didnt authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting according to what I read in the FRCA. I disputed this item first with the Credit Reporting agencies then sent a letter to the Collection company around the XX/XX/XXXX and XX/XX/XXXX regarding the inaccuracies I have found. It is now the XX/XX/XXXXand we have been going back and forth since, with no accurate changes. The date opened is reporting differently and the date of last active keeps changing and also reports differently every time I ask them to investigate. I know that is not right. I need this account removed for inaccurately reporting please.
Product: Debt collection

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reading there ( Privacy Notice ) .I never gave Credit Acceptance permission to report late payments only list credit acceptance for marketing Purpose for business growth. I have been violated of the law. Under 15 USC 1681b - permissible purpose of consumer reports, I have call them multiple times to fix the problem but I was told by XXXX XXXX that 15 usc and consumer law doesnt apply with them do to the state they are based out of.. The account I have with them are closed and paid by me. I was never late because I sign up for Direct deposit.. I sent letters and they keep getting ignored by them
Product: Debt collection

I keep receiving an invoice from a so-called debt collection company for medical procedures that my Insurance company said they did not bill me for. When I call the number on the invoice to talk to someone, no one answers, and a recorded message from a woman who sounds like she has been smoking for 100 years says I have to leave a message. I did not leave a message because I already called my Insurance Company to find out that all of my pathologies were sent to a completely different company. Plus I was not at the doctors on the day they claim the service was completed on. The letter implies it wants you to reach out to them so they can obtain additional personal information on the person they are scamming. The only info they have is my address which is public information. I just wanted to report this so others do not fall for this same scam. 

Information from the invoice includes : Company Name : CREDIT SOLUTION $ LLC Collection Amount : {$240.00} From : XXXX XXXX XXXX Date of service : XX/XX/22 NC XXXX XXXX XXXX XXXX # XXXX Account # XXXX Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The 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 15U.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.

15U.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 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

XXXX XXXX balance {$3300.00} account was closed now open with late payment which damaged credit score account was disputed but it still be reported XXXX XXXX  balance {$300.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle Portfolio Recovery balance {$640.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle LVNV FUNDING LLC balance {$980.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX  ) have not communicated in 30 days refused to settle
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of account ( s ) below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 states : I have right to privacy. 15 U.S.C 1681 section 604 A section 2 it also states : a consumer reporting agency can not furnish an account without my writing instructions. XXXXXXXX XXXX account # N/A. 15 USC 1681b paragraph ( c ) states : the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. please view attachment. The attachment i have uploaded is a print out of my XXXX XXXX account and i have circled the information that is clearly unauthorized and inaccurate. i did not received a loan from this agency. Also under 15 USC 1681b where it states : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with
Product: Debt collection

I filed bankruptcy in XXXX XXXX I included Portfolio Recovery in the case. In XXXX XXXX they put in my credit file as a collection which affected my credit score. This same bill was included in chapter XXXX. I already included them in the plan so they came back a year and a half later put it as collection. This is double jeopardy because it had already affect my score when they put negative account and then they put in as a collection which hurt me on trying to reestablish credit. They told me it will be removed XXXX XXXX. This is not a fair act.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life.

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.
Product: Credit card

I had been scammed on XXXXXXXX  The scammer asked me pay him first to activate my XXXX account. He asked me to purchase XXXX XXXX XXXX and he said he didnt receive the money and he asked me more money. I didnt have my XXXX account activated and I lost money. It is fraudulent. I purchased the XXXX XXXX XXXX XXXX. But I had never use the card. The scammer scam my money on the internet. I also asked XXXX XXXX XXXX XXXX to refund me the money. It is a fraud. I have never received my funds back yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was breached and is in a autosystem that runs credit and several credit card and hard inquries was made without my acknowledgement, XXXX XXXX XX/XX/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 reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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 15 U.S.C 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 ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.

( Pub. L. 90321, title VIII, 805, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 876. )
Product: Credit reporting or other personal consumer reports

I have requested a copy of contract with my signature from XXXX XXXX # XXXX, is been 40 days and not response. 
XXXX send me a letter with wrong last name, and is reporting XXXX XXXX in my credit report with false information, the creditor closed the account and kept adding extra fees after the account was closed, violated my rights. XXXX is not in compliance with the laws, Experian sent me a letter staying they need more time, after 40 days of the requesting to delete the false information from my credit report the company XXXX XXXX partial acct # XXXX, had closed the account and charge month of exceed of fees, after the closed the account they are not in compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXEFFERSON CAPITAL SYSTEM In my credit I got a debt of XXXX in collections They opened it on XX/XX/2021 That account was opened without my authorization XXXX XXXX XXXX Original creditor