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

On XX/XX/ we received a text from WELLS FARGO BANK detecting fraud alert, asking if we authorized multiple charges from several businesses. The first charge of {$2100.00} to XXXX went through. We do not have any business with XXXX and never have, this was not our purchase. The next two charges that were attempted on our account were declined by Wells Fargo resulting in the fraud alert text mentioned above. The next day we see that the XXXX charge had in fact gone through. We called the Wells Fargo fraud department to file a claim assuming this charge would be reversed. To our dismay, Wells Fargo declined our fraud claim stating the " transaction was authorized '' ....? After going to our local Wells Fargo branch and speaking to our manager they suggested we submit the claim again and let them know we did not have this card in possession when the transaction occurred. Once again Wells Fargo declined our claim?

* We do not have an account with XXXX where the charge were made * We received a text from WELLS FARGO fraud alert suggesting it was fraud which we confirmed, and yet still have this charge to our account * This debit card had never been used for in-store purchases for the 4 years that we have had the account, it's only used for deposits. 

We have submitted this fraudulent claim to WELLS FARGO twice and been declined both times. WELLS FARGO insists that we made this transaction, which we did not! There is no justifiable reason why we have not received a credit to our account in the amount of {$2100.00}
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and my issues started with a late payment that XXXX XXXX Bank ( XXXX ) has placed on my credit report. I was able to get the late payment removed, but a few weeks later the late payment was reinserted illegally without anyone notifying me within 5 days of the reinsertion. The supervisor, XXXX XXXX, at XXXX XXXX Bank ( XXXX ) insists that this couldve been a mistake with XXXX XXXX, but this was not a mistake. Ive spoken with professionals at XXXX XXXX and they said they only report from Credit Bureaus and can not edit any of the Credit Reporting information. Even after me showing documentation, he still denies that anyone from the XXXX team didnt report any late payment removing changes. I am currently in the process of filing a civil suit against XXXX & the Credit Bureaus. I will not stop fighting this even if I have to get lawyers and a civil suit going.
Product: Debt collection

Company has called my job, house and cell leaving message that im a person of intrested. Leaves other messages threatened lawsuits. They have refuse to vertify debt over phone or in writing. I can not keep getting these hsrrasing calls at work or my home.
Product: Debt collection

I have tried to explain to this debt collector on behalf of XXXX that I never ordered services. I investigated and it was a family member that accessed my information for the purpose of getting cable service. I never authorized this service and was then told that it was paid by family member. Unfortunately, this family member has left the country since late last year and I have no contact with him. I am now stuck with something that is not mine. I need this removed from all credit reports. Thank you for your assistance. 
XXXX XXXX XXXX
Product: Mortgage

We need to close an Escrow Account with Freedom Mortgage due to a change of insurance that was with XXXX XXXXNew insurance more reasonable.We are paying the new insurance directly from our account. No need for an Escrow. My husband 100 % XXXX  tax exempt.. 
Freedom Mortgage refuses to remove Escrow which leaves us making a high mortgage payment because money for Escrow is included.New insurance effective XX/XX/. 
Old insurance ended XX/XX/2023 XXXX sent proof of our new insurance to Freedom Mortgage which Freedom mortgage acknowledged that they received.
Product: Credit reporting or other personal consumer reports

The CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that Equifax ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. Equifax has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information listed on my credit report, which has led to significant harm to my credit score and financial standing. Pursuant to the provisions outlined in 15 USC 1681 b 2, 15 U.S. Code 6802, and 18 USC 8, I am seeking redress under the Fair Credit Reporting Act ( FCRA ), specifically codified in 15 U.S.C. 1681 et seq.

The inaccurate information on my credit report pertains to closed accounts previously removed from credit reports, Incorrect credit score, and added collection from unknown collector whom I do not owe. Despite my attempts to rectify these errors through this credit reporting agency, the erroneous information persists, adversely affecting my ability to access credit and financial services. 

As per the FCRA, consumers like me have the right to accurate and up-to-date credit reporting, and any inaccuracies must be promptly investigated and corrected by the credit reporting agencies. However, despite my efforts to dispute these inaccuracies, this reporting agency have failed to comply with their obligations under the law, thereby causing ongoing harm to my financial well-being. 

Furthermore, the persistence of these inaccuracies violates my rights under 15 U.S. Code 6802, which stipulates obligations with respect to disclosures of personal information, and 18 U.S. Code 8, defining the obligations or other securities of the United State.

In light of the foregoing, I am requesting that the Consumer Financial Protection Bureau launch an immediate investigation into the matter and take appropriate action against the credit reporting agency responsible for these inaccuracies. I also request that all erroneous information be promptly removed from my credit report and that I be provided with a corrected copy of my credit report at no cost. 

PLEASE REMOVE THE FOLLOWING ITEM IMMEDIATELY UNKNOWN COLLECTION. 
{$240.00} Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and ensure that consumers like me are protected from the adverse effects of inaccurate credit reporting. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking report I noticed fraudulent inquires on my report
Product: Vehicle loan or lease

I applied for a motorcycle loan at XXXX XXXX dealership in XXXX XXXXXXXX XXXX. I was offered a loan through XXXX XXXX. I accepted the loan and filled out the paperwork. I sent in my first payment of {$260.00}. I was later notified by the dealership that my loan through XXXX was denied ( I re-applied and got a loan elsewhere ). I called XXXX XXXX to ask for my money back and they said they would open an investigation, they asked my to call back in 5 days. Ive tried calling back several times but cant speak to anyone because they changed their system and require you to enter an account number before speaking to anyone. I do not have an account number with them. They owe me {$260.00} but have made it impossible for me to speak with them.
Product: Debt collection

Repeated phone calls at all hours of the day. Trying to mask the phone number. Also, strange looking letters offering to settle the debt for a lesser amount but not telling me who I owe the money to.
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 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 an account without my written instructions
Product: Checking or savings account

I live in XXXX XXXX, tried to use my debit card at a grocery store and it was denied even though I knew I had money in my checking account. Checking my transactions, there were transactions all around {$100.00} from a XXXX gas station in XXXX XXXX that drained my account all the way to {$0.00}. I submitted a claim to Bank of America immediately, and they credited my account. Over a month later, I received a letter that they were denying {$600.00} of the {$850.00} in my claim.
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. XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX 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 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 crime 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. All have attempted to collect money from me illegally and isn't even licensed to do so in my State.
Product: Credit card or prepaid card

this is American Express card open beginning of XX/XX/XXXX/.XXXX.  When I call Main number of America.Express said this card is not part of American express.. Problem is limit of XXXX when open. Did not use this card since XX/XX/XXXX ..show balance of {$4000.00}. Paid {$200.00} to {$350.00} Monthly ..This card start Charging fees in XXXX over {$380.00} in fees Processing fees, each month until now. which I was paying down the Balance. Now in XXXX American express lower the limit with out letter or notice to {$4400.00} now show {$670.00} Min due. RIP OFF. Where I try to ask them to not due this and stop all fees the Cards has not been used since XX/XX/XXXX. By lower my limit this would cause over Limit fees. Payments are not being applied correct. Amex Only showing XX/XX/XXXX Statement online {$60.00} paid where when over {$300.00} was paid in XXXX now showing only {$120.00} but {$260.00} was paid ..Card last 4 # XXXX exp XX/XX/XXXX .. STOP THE FEES OF {$380.00} MONTHLY ON STATEMENT WHICH MAKE IT HARD TO MAKE PAYMENT TO LOWER MY BALANCE SINCE XX/XX/XXXX.
Product: Consumer Loan

Attached is email communication from XXXX XXXX LoanMart rep ( XXXX XXXX ) threatening me with a repossession order for a payment that was mailed XXXX/XXXX/17. 

First, and foremost I 'm not fresh off a XXXX, am still a customer, and a LEGAL tax paying law abiding citizen who happens to also be a consumer. I will/am NOT going to be communicated with in a threatening demeaning degrading manor by ANY institution, or XXXX representative who is, or has probable ties as a friend, or family member to illegal immigrants in this country, over a {$260.00} monthly loan payment being sent in later than the payment date!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally contest and dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the relevant companies, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the accounts would be promptly updated. Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. Both XXXX and XXXX have already rectified the inaccuracy of these accounts on my report. Therefore, I kindly request that you take immediate action to update these erroneous accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The late payment remarks currently listed on my credit report are inaccurate and do not accurately reflect my payment history for this account. These late payments were either reported in error or do not align with the actual payments I have made. As a result, the incorrect information is negatively impacting my credit score and overall creditworthiness. I kindly request a thorough review of these remarks and an update to reflect the accurate payment history, in accordance with the Fair Credit Reporting Act ( FCRA ), to ensure that my credit report maintains accuracy and integrity.
Product: Credit card or prepaid card

I decided to take advantage of a balance transfer promotion XXXX  XXXX  was offering for their XXXX Master  Card customers and transferred {$3000.00} to XXXX from XXXX XXXX ( XXXX XXXX  Master Card ). XX/XX/2018 is the day it posted to XXXX. 

I called one week after the transfer to see when XXXX would receive the payment. A XXXX   representative told me it could take up to 30 days for the check to be mailed, received and posted to my XXXX account. 

30 days passed and XXXX still had not received the check. This was verified through a 3-way phone conversation that I had with a representative from both credit card companies. I now had a balance of {$3000.00} on two different credit cards and began to incur interest charges on the XXXX account so I filed a dispute at the end of XX/XX/2018. 

On XX/XX/2018, I received a letter from XXXX stating their records show the amount of {$3000.00} was transferred and paid to XXXX on XX/XX/2018 and included a copy of the check. I contacted XXXX to see if they received the check and they still had no record of it. I conducted another 3-way phone call with the two companies, which unconvered that the check mailed to the wrong address ( PO Box , city and state were all incorrect ), it was missing numbers from my account number and it didn't appear to be endorsed. Furthermore, the check was dated XX/XX/2018 and it said " void after 30 days ''. Therefore, even if they did receive the check in XXXX they would not be able to cash it. 

A second dispute was filed with XXXX  on XX/XX/2018. I called on XX/XX/XXXX for an update only to learn that there was no record of me filing the 2nd dispute. So, I filed it again on the XXXX. It was at this time that I ended up paying XXXX {$3000.00} so I would stop incurring interest charges. They had already waived one interest charge for the troubles I was having. 

I emailed XXXX on XX/XX/XXXX through their online message center asking for an update on the 2nd dispute. The response was that they were sending me a letter of their findings, with a copy of the check sent to XXXX, and it could take 7-10 days. I was also told that I would not be responsible for paying the amount in question until the dispute was resolved. 

I received the letter on XX/XX/2018. The second letter said the same as the first letter and included the same image of the check dated XX/XX/XXXX. NOTHING had changed. A new check was not sent to the right address and thus the cycle continues. 

I received a message from XXXX  on XX/XX/XXXX ( TODAY ) saying that I would indeed be responsible for paying the minimum amount due so as to not receive a late charge. The due date is today so I called, made the minimum payment and then cancelled the card. Now I need your help investigating the issue to get to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company waited the full 60 days, to the day ( XX/XX/XXXX to XX/XX/XXXX ) to submit feedback- which is false information. 

First, I want to address how they said my balance was from prior XX/XX/2019 - I wasn't even at my first XXXX appointment until after that date, so this definitely is incorrect. 

I am also attaching another EOB showing a claim my insurance denied- I do not have to pay for balances denied by my insurance so if this is what they are trying to collect that is illegal. This entirely situation is shady and unethical. I had XXXX as primary and XXXX as secondary - which is why my letter from the doctors office showed XXXX would finalize any outstanding balances and my ledger was to be {$0.00} at all times. 

XXXX covered retroactive balances. I was not billed for any balances, and the office had notification and gave me a confirmation letter I did not owe any balances and would not in the future owe balances because I had XXXX coverage. Sending my account straight to collections without billing me in XX/XX/2019 was also referred to send to XXXX for coverage, which they failed to do. They shouldn't be sending accounts straight to collections agencies, despite knowing XXXX is covering balances- this is absolutely unethical and unjust. This balance is absolutely incorrect and falsifying information. I sent proof, and am attaching it again, from the office I owed {$0.00}. I have done everything I needed to do for my coverages and balances, it is not fair to make up an amount, ignore insurance, not bill properly and directly harm people. 

The company is ignoring my previous writings to send the amount to XXXX, which said they would retroactively cover balances 3 months prior to XX/XX/2019. They also admitted to receiving my collections account in XXXX - XXXX bills were ever sent to me from the doctors office, which means they sent my account immediately to collections- all while telling me and giving me documents showing a {$0.00} balance. This is unjust. 

Nothing has been resolved. They did not look into my case, I attached paperwork with my submitted complaint showing {$0.00} ledger and letter of {$0.00} balance due to XXXX. There is no balance per the submitted paperwork and this amount needs to come off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card account with XXXX  until XX/XX/2020. I called the credit card company " XXXX  '' to cancel my account because they charge me annual fees which I paid up till that point XXXX. they sent me a letter acknowledging the cancellation request. 
I cut the card up as directed I never used the card again, Then in XXXX, they charged me the annual fees again even though the account was canceled already. I called their attention to it and I was then assured that all will be taken care of. Then in XXXX, they charged me another annual fee installment with a late fee. 
Then they went ahead and put all these late fees and 30 days late on my account with the credit bureaus I called their attention to it they corrected the account on their own and I have been calling them to correct the credit reporting since it was their error. 
This reporting has had a negative impact on my credit and records Will like XXXX  to correct my records without delay with the three credit reporting agencies. 
.
Product: Checking or savings account

On XX/XX/XXXX I opened a Citi Business Checking Account in branch in XXXX XXXX, CA. I was enrolled in a promotion that required I make a deposit with 30 days, then hold the funds for an additional 60 days to receive a {$750.00} bonus. On XX/XX/XXXX, within 30 days from opening the account, my account balance reached {$20000.00}. I maintained that balance through beyond the following 60 days, per the terms. The terms stipulated that the bonus would be paid within one month, following the end of the month in which I met the terms, which was XXXX. Per the terms, the bonus should have been paid at the end of XX/XX/XXXX. As of XX/XX/XXXX, over a month since the payment deadline, the bonus has not been paid. I have called the bank regarding the bonus and the representatives have let me know that I have met the terms but tell me to wait. I would appreciate the bonus being paid now as I have met the terms.
Product: Vehicle loan or lease

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. 

ALLY FINANCIAL XXXX Balance Owed : {$6700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Company named chase keeps putting on my credit report that I owe them money for card I have never had
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my annual free credit report since XX/XX/2022 I have been put through hoops trying to get this report time after time I have repeatedly sent documentation such as my State Identification Card pictures and social security card pictures along with mail from my resident with my name and the address on it that matches my State Identification Card and yet they refuse to send me my FREE annual credit report this has slowed down my credit repair process extremely!!!!