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

I've been a customer with Wells Fargo for over 30 years. They claim I deposited fraudulent checks into my account. The checks deposited still show in my account, along with {$500.00} of my money deposited before the disputed checks. So now my account is frozen and locked and Wells Fargo says they will re-evaluate my account on XX/XX/XXXX and then send a check for any funds they decide I deserve. This is not acceptable to me. I at least want my {$500.00} now and we can dispute the other deposited checks later. When I went into the bank to complain they said I would not be allowed to open another Wells Fargo account. And there is no person to talk too!!! Everything seems to be controlled by a computer. 
I guess a 30 year customer means nothing to Wells Fargo. Is this Elder Abuse???
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. 

Here are the accounts that needed correction : XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$390.00} This is my follow-up complaint in line with my prior complaint dated XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX/Unauthorized Information and inaccurate information
Product: Credit reporting or other personal consumer reports

I am formally requesting the immediate removal of inaccurate information from my consumer report. Under the Fair Credit Reporting Act, I have the right to accurate and complete information. The following errors require prompt correction : Late Payment Report Dispute for XXXX XXXX  XXXX, Account # XXXX, and XXXX XXXX XXXX, Account # XXXX. Per XXXX XXXX XXXX, these late payments should not be reported due to payment timing regulations. Additionally, per XXXX XXXX XXXX ( XXXX ), consumer information can not be reported without my written authorization. If this reporting was done without a legally permissible purpose, it constitutes a violation of my rights. Failure to correct these issues may result in legal action, as each willful FCRA violation can incur damages of up to {$1000.00} under XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am charging that the XXXX largest credit agencies are not in fact providing a positive service as it relates to customer finance. Each of them use business rules and math algorithms designed to maintain the lowest possible consumer credit score. I contend this is done by all XXXX of the bureaus colluding with each other and the lending institutions that use their dubious services to overcharge the consumer with interest rates that are considered usury in most countries around the world. My proof is as follows : 1 ) The time it takes for your score to drop is not proportional to the time it takes to recover those lost points. Ie a " hard '' credit check is performed... ..your score plummets ... .time to recovery for just thinking about taking a line of credit? Months. That is criminal, period. 

2 ) XXXX completely different sets of credit rules for businesses and down the street customers. Why is that? Aren't corporations considered individuals now, just like a person? Afforded the same protections but also get special treatment from the credit bureaus. Absolutely criminal.

3 ) The credit reporting circus assumes guilty until proven innocent with no trial or element of due process. I understand it is civil but the penalties for this unlawful practice can cost you hundreds of thousands of dollars in finance charges, be used to determine employability, determine if you have a place to live. Before you deprive me of a constitutional right, there ought to be due process involved. A letter mailed to an old address and XXXX email does not constitute due process. 

Recently I had my credit score dropped by over XXXX points while i was waiting for verification of the validity of an old cable bill that magically popped up years after I had moved out of the state. While waiting for XXXX to verify the debt, they immediately reported this with no concern for my credit standing, XXXX accountability, the balance was a whopping {$120.00}. XXXX points on my credit score is worth far more to me than {$120.00}, but of course it will now take over a year to claw those points back because of credit score suppression collusion done by the credit agencies. The pathetic part of this is that it is done under the supervision of your organization. Who decides what is fair for a consumer? I have no faith in a bunch of unelected bureaucrats keeping watch over companies that pay the finance lobby to push through what they deem " fair for the consumer '' What recourse do I have in this matter? Who shall I contact? Who should be held accountable for this fiasco?
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX XXXX and TransUnion for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) by unlawfully reporting " late payments '' on my credit report. 

Under 15 U.S. Code 1681a ( c ) and 15 U.S. Code 1681s-2, creditors and credit reporting agencies are prohibited from reporting transactions such as late payments that do not constitute a new credit obligation. 

FCRA Violation : Reporting Late Payments as Transactions Late payments are considered transactions, not new credit obligations. 
The FCRA prohibits reporting transactions, and late payments are merely a historical record of account activity, not a public record or derogatory item. 

The reporting of late payments is misleading and unfairly damages my credit. 
Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers must ensure all information is accurate and not misleading. 
Reporting late payments mischaracterizes my account status and unfairly penalizes me. 

Failure to properly investigate my dispute. 
I disputed the late payments with XXXX, XXXX, and TransUnion, but they failed to conduct a reasonable investigation as required under FCRA 1681s-2 ( b ). 

The inaccurate reporting of late payments has severely impacted my creditworthiness, causing undue harm in obtaining credit and financial stability. I demand prompt corrective action to rectify this unlawful practice.
Product: Debt collection

I keep getting calls for someone else. Mo matter how many times I tell them I am not even the person they are trying to reach, the calls start up again a few months later. They have been calling me over and over multiple times a day and I want it to stop and never start up again. It isn't even my debt!!! It's an old roommate from over 15 years ago. They call from XXXX. I have gotten 30 calls so far from this number, and hundreds of calls from different debt collectors about this same person and they never remove my number. I am ready to get an attorneym
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Nelnet, Dept of Education continue to report and include INTEREST on my federal student loans. I have continuously tried to file disputes but XXXX  keeps accepting this information as accurate. Since COVID, until XX/XX/2021 they are not supposed to charge interest on student loans but they have and they have added it to my credit report, which I have disputed with no resolve. From the federal student aid website : Coronavirus and Forbearance Info for Students, Borrowers, and Parents At the U.S. Department of Education ( ED ) office of Federal Student Aid, we are actively monitoring the coronavirus/COVID-19 emergency. 

COVID-19 Emergency Relief Flexibilities Extended Through at Least XXXX XXXX, 2021 The COVID-19 emergency relief flexibilities include but arent limited to the following relief measures for ED-owned federal student loans : a suspension of loan payments a 0 % interest rate stopped collections on defaulted loans
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute the charged-off account listed above, which appears on my credit report. I am requesting a thorough investigation and complete verification of this account under my rights as outlined by federal law.

According to the Gramm-Leach-Bliley Act, particularly 15 U.S.C. 6801, financial institutions are required to protect the security and confidentiality of their customers nonpublic personal information. Additionally, under 15 U.S.C. 6802, you are prohibited from disclosing my financial information to nonaffiliated third parties without proper notice and consent. 
Given this, I am requesting the following : 1. Full validation of the alleged debt, including a signed agreement bearing my signature that created the debt, a full accounting of the balance claimed, and documentation that supports your legal right to collect or report this debt. 
2. The original creditors privacy policy at the time of account creation, demonstrating how my information was used and shared, in compliance with the above statutes.

3. Evidence that any third-party debt collectors or credit reporting agencies received my information in compliance with 15 U.S.C. 6802 ( i.e., with notice and the opportunity to opt-out, if applicable ). 
Until you provide the requested information and proper validation, I am asserting my rights under the Fair Credit Reporting Act and the Gramm-Leach-Bliley Act and requesting that this item be removed on all credit reporting furnished to any consumer reporting agencies. 
Please respond to this dispute in writing within the timeframe required by law. If you can not provide the documentation and validation requested, I respectfully request that this account be deleted from my credit report and any collection activities be ceased. 
Thank you for your prompt attention to this matter. Please communicate in writing only. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and i saw accounts which are not mine. 
In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX # XXXX Date opened XX/XX/XXXX and XXXX XXXX XXXX # XXXX opened was opened XX/XX/XXXX HAVE 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: Credit card

In XX/XX/2022 I order a refrigerator repair from XXXX and placed the charge on my Discover card. The repair man said once the parts arrived I could call and reset the repair date. As as a result of almost 20 calls to the XXXX XXXX XXXX in the XXXX and endless routing from one person to another I cancelled the repair order and the monthly warranty insurance as well. After 7 months of going back an forward disputing this charge and sending proof of the parts delivery. Discover allowed for XXXX to bill my account for {$180.00} an amount which is not specified on the work order I signed. XXXX did not do the repair. I paid another company {$700.00} to repair the refrigerator. All of the labor cost listed on the receipt pertain to replacing the compressor which XXXX did not do. 

Discover refuses to remove this charge. There is no justification for Discover to allow this company to charge an amount I never agreed to to pay.
Product: Credit card or prepaid card

I receive unemployment benefits. Bank of America card services supply cards for those people receiving such benefits. On XXXX XXXX I called the card services to let them know I had fraudulent activity on my account.XXXX XXXX my card was closed. Received a letter a week later stating my account was closed, contact your sponsor. 
I contacted my sponsor, emailed all my identity documents. Received a phone call on XXXX XXXX from unemployment stating that they emailed Bank of America saying to open account. Weeks of speaking to BOfA telling them unemployment sent documents needed to open my case. Still not open. Second email send on XXXX XXXX, stating to open case. Been told so many different stories from card holder. Still no money. They owe me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unemployed since XX/XX/2020 due natural disaster ( COVID-19 ) I called XXXX XXXX to inform them of my circumstances and was given the option to defer payments for a few months. Upon calling to ask if deferment was still available I was told yes and if I did not receive a call from company that means I have been approved and no payment would be due. Upon checking my credit report the company never called to inform of late payment which resulting in payment to go beyond 30 days late which has caused a negative impact on my credit report. The date they have reported late payment was the month of XX/XX/2020 in the amount of XXXX. I have tried to resolve this issue with company as well as disputing with the 3 credit bureaus stating this was due to a natural disaster and I am and have been an exceptional customer prior to the outbreak of Coronavirus.
Product: Consumer Loan

On more than one occasion I have requested for the Dispute department to contact me. They have yet to do so after hours on the phone with them and promising phone calls. They are reporting inaccurate information to my current Ally Auto account causing derogatory marks on my credit file with XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the documant needed and letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accountsXXXX 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: Mortgage

Total Mortgage serviced a mortgage for a period of time in 2016 on my house. They have been unable to furnish my tax document for the interest I have paid. I tried calling them, their phone consistently bounces me to their sales desk with someone looking to take my personal information to have a loan officer call me back. They can not give me the number nor can they connect to someone in customer service. They say that they are giving me someone in customer service, but the phone number merely connects right back to the sales desk. This happened more than once. I got a call back from a loan officer and the number used was a local number. The sales rep was located in CT. I think that is a deceptive sales practice. I just want my tax document. It should have arrived by now.
Product: Credit reporting or other personal consumer reports

They have incorrect inaccurate information on my credit report
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, XXXX / Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX/ Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX / Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

COLLECTION XXXX {$35.00} XXXX XXXX {$4400.00} XXXX XXXX {$5300.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Lately as Ive been monitoring my credit report Ive continuously noticed repeated errors and changes as it relates to my credit reports. Is there a reason this is continuing to occur?
Product: Credit card or prepaid card

Back between XXXX and XX/XX/XXXX time period I undercame financial hardships. Every month i called capitol one and let them know about it. I can not tell you the amount of time i spent on the phone with them. I spoke to supervisors and they told me to make bucket payments so i did. I also explained to them that I get paid on the XXXX of the month so it would be easier for me to make the payments on time. They never helped me with that request either. I made payments each month and i called when i did. i had zero help. so early XXXX, i got back on my feet and paid the card off in full. They restricted my account which has a XXXX credit limit and after several calls they will not lift that nor take away the 19 complaints / remarks they have on my credit report. 

They knew who i was because i was told we are so happy you are back on your feet. When I asked about removing the remarks they told me no and refused to help me. 

It has then given me a poor credit rating and high interest rates an denials on my credit. 
I am going for a house in XXXX and i deserve my house! i pay all my bills on time. I need help to have all these remarks off my credit and my account reinstated. 

I also wrote a letter to all their addresses and received ZERO response. I still get statements for them against this account. I deserve what is mine ; my freedom. 

Thank You, XXXX
Product: Debt collection

This debt is not mine, and company has failed to send proof that debt belongs to me. This is hurting my XXXX XXXX and should be removed immediately.
Product: Debt collection

This company is attempting to collect almost XXXX for university XXXX fraudulently. That amount is not owed.
Product: Mortgage

Me and my wife made our separate payments on XXXX the due date and they are trying to impose a late fee even though we both made the payments on the due date the 16 of every month it seems everyone is trying to get extra money these days because of the economy the late charge is over XXXX dollars and we are not in the business of just throwing away our hard earned money for nothing especially when food and gas is so expensive these days, I confirmed that they took the unessesary late fees charge off XXXX  customer service agent, XXXX operator XXXX XXXX, please be advised this my wife and I would deeply app you making sure that they did take the XXXX late off, sincerely yours XXXX XXXX XXXX XXXX
Product: Student loan

I have communicated to XXXX XXXX that I was victim of identity theft and elderly financial abuse. I have provided them the requested information to show that I did not cosign a loan that was fraudulently taken out by a relative name XXXX XXXX. XXXX XXXX started taking out loans in my name in XXXX and ended in XXXX. I was not aware of any of these loans that total around {$85000.00}. The loans were a combination of students loans from XXXX XXXX ( {$70000.00} ) and loans taken out at two credit unions ( {$15000.00} ). The two credit unions after receiving the same exact information that I provided to XXXX XXXX  removed my name from the loans. However, XXXX XXXX  has refused to do so, stating that after their investigation that they can not " conclusively '' say that they I did not take out the loans. I specifically stated to XXXX XXXX that I did not take out the loans and only found out about the loans when my credit limit was denied and ultimately terminated from one of my legitimate creditors. Furthermore I pointed out to XXXX XXXX that they make easy for fraud to take place and extremely difficult for victims to be made whole. Because of the XXXX XXXX loans still listed on my credit, I have suffered the closure of a credit account and a decrease of XXXX XXXX from the XXXX 's to the XXXX 's. Also it should be noted, that out {$87000.00} debt that was listed on my credit report only {$2000.00} was mine, the rest was fraud. Now I am not only still suffering from the tactics and harassment of XXXX XXXX financially but also psychologically. XXXX XXXX have their agents relentlessly harassing and threatening with default of the loans. Yet, they are dismissive of the evidence that they initially requested to remove my name from these loans. I found out in XXXX  about these loans have been working with not only the creditors but law enforcement to remove my name and press charges against my relative. This has been a great ordeal on me because so much of this is time consuming and stressful and not to mention that this is a cyber crime that makes it all the more challenging.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting Act, DEPT OF EDUCATION/XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602A, states I have the right to privacy.

15 U.S.C 1681 Section 604A Sec. 2, states a consumer reporting agency can not furnish an account without my written instructions.