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

There was a transfer through XXXX to my Wells Fargo checking account. With XXXX, funds are typically available immediately as I have set up XXXX on my account. I received an email from Wells Fargo stating that the funds have been received but the funds have not been made available to me. I have spoken with representatives from Wells Fargo and no one can tell me when the funds would be available. Wells Fargo representatives suggested I contact XXXX despite an email I received from Wells Fargo stating that Wells Fargo has received the funds.
Product: Debt collection

On XX/XX/2021, I received a payment request for a debt attached to my SSN/credit report being reported by XXXX for a debt of {$180.00}. In an attempt to settle this debt I contacted XXXX, they made me aware that this specific debt has been sold to True Accord Corporation. I did not authorize the sell of this account to True Accord Corporation, I have not done any business at the address listed with this account nor do I owe True Accord Corporation. I have since mailed via certified mail requesting proof of this debt. As of XX/XX/XXXX, no response has been received from True Accord Corporation.
Product: Student loan

I had a total of 3 loans from XX/XX/XXXX to XX/XX/XXXX, With XXXX XXXX XXXX. In trying to collect, they harassed me at work, by phone, asking for unreasonable amounts of money I could not possibly pay, and were not willing to be reasonable to try to work out a settlement. In XX/XX/XXXX, they took me to court and I was sued for the full amount. They did not possess the original documents, but I wound up settling with them for a lesser amount to keep from paying the full amount.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

XXXX XXXX XXXX XXXX/XXXX CARD HAS REPORTED TO ALL THREE CREDIT BUREAUS THAT MY ACCOUNT WAS LATE THIRTY DAYS, THIS ALLEGEDLY HAPPENED IN XX/XX/2019. IN XX/XX/2019, MY CARD WAS PAID OFF. THE COMPANY REPORTED THIS ERROR JUST RECENTLY THIS MONTH MY TRADELINES HAVE NEEN NEGATIVELY EFFECTED BY THIS INCORRECT NEGATIVE INFORMATION. I WAS NEVER LATE WITH MY PAYMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS LOOKING OVER MY CREDIT REPORT AND NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY REPORT ( XXXX XXXX ). I DISPUTED THESE ITEMS WITH THE CREDIT REPORTING AGENCIES TO NO AVAIL. I FILED AN IDENTITY THEFT REPORT ALONG WITH A POLICE REPORT AND THEN SAW THAT THERE WERE MORE ACCOUNTS ADDED AFTER THAT. SO I THEN FILED ANOTHER POLICE REPORT ( XXXX. XXXX ). 

ACCOUNTS ARE BUT NOT LIMITED TO : XXXX XXXX XXXX XXXXXXXX XXXX  ( TWICE ) XXXX XXXX XXXX XXXX XXXX THERE IS ALSO A XXXX XXXX XXXX XXXX ACCOUNT THAT I DISPUTED WITH ALL THREE CREDIT REPORTING AGENCIES NUMEROUS TIMES. THIS ACCOUNT HAS BEEN REMOVED BY TWO OF THE AGENCIES ( XXXX XXXX XXXX ). Experian HAS REFUSED TO FOLLOW SUIT. AS THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Amount XXXX and now XXXX XXXX XXXX. 

XXXX XXXX Amount XXXX XXXX XXXX Hard inquiry XXXX XXXX XXXX Hard Inquiry These exact same collection and Hard Inquiry was on XXXX currently today they have been deleted and taking off to this day report never giving to Equifax or XXXX they continue to now follow law and also have it one amount to higher dollar amount. I was never informed. never consented, violating my rights to have accurate information and correct person to accounts which are not my accounts or belong to me. The collections arent truthfully which brings dishonest, false credit score for trying to make me have collections, inquiry that do not belong to me isnt accurate information. Very deceiving also violate Fair Credit Reporting Act and causing huge burden. 

These same things were deleted off with XXXX exact same inaccurate collections, hard inquiry if all taking off XXXX why Equifax and XXXX continue to hold false items on someone credit report that within itself sounds like fraud within these two bureaus if you go to check you will see how they are taking off XXXX but no other two bureaus. Inaccurate and do not belong to me Equifax and XXXX shouldnt make someone have to be responsible for something thats not accurate or belong to them and falsely added in first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, WELLS FARGO added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, WELLS FARGO has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This is absolutely insulting and frustrating, I am a law abiding citizen and this is a blatant violation of my rights as a consumer. This inaccurate information being reported on my credit is negatively impacting all aspects of my life which is extremely stressing and making it hard for me to live and achieve financial stability. I am having a hard time getting approved for new credit due to this error.
Product: Credit reporting or other personal consumer reports

REMOVE THESE HARD INQUIRIES : XXXX XXXX ; XXXX XXXX. I did not apply for credit with these companies, nor did I provide authorization for them to access my credit file. Under the FCRA, hard inquiries require consumer consent. Since I did not grant such consent, these inquiries are unauthorized and should be removed immediately.
Product: Vehicle loan or lease

ally financial is a company I have a car loan with, the company have reported 2 late payment on my credit report. Which is not correct I have paid ahead something 3 times before the bill is due. the company stated in XX/XX/2020 I was late, incorrect. I called the company and was told it would take them 45days to change the credit reporting status. I don't agree it only took them a day to change my credit score and credit profile.
Product: Money transfer, virtual currency, or money service

I was emailed on XX/XX/XXXXXXXX XXXX XXXX about a dispute for an unauthorized transaction for {$320.00}, and they took my account, made it unaccessible. Just to email and tell me that they offered me a provisional credit and I can't even login to get to it.
Product: Debt collection

I do not have a signed contract nor any contract with COMMONWEALTH FINANCIAL. I have never done business with this company. I am not liable for collection from this debt from COMMONWEALTH FINANCIAL. I am not responsible for this debt with COMMONWEALTH FINANCIAL. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Payment in full of account {$17000.00} submitted XXXX/XXXX/14. 

Company failed to process payment and subsequently falsely reported account as delinquent to credit reporting agencies, and continues to do so daily up through current date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking at my credit report and notice on XX/XX/2019 from I am being hit with a hard Inquiry from XXXX XXXX. However I didn't authorize anything with XXXX XXXX. Unsure how this happened but this was fraud, someone trying to use my identity. This is appearing on my equifax and XXXX but it is inaccurate. I am looking for this misunderstanding to be removed from equifax, XXXX and any other credit agency showing this.
Product: Checking or savings account

There were multiple ( XXXX ) fraudulent charges on my debit card on XXXX XXXX, 2023 from a company in XXXX XXXX I've never heard of. I called Chase to put in a claim and they accepted it and reimbursed me for the charges, as well as removed them from my account. The woman on the phone recommended that I keep the card information on my phone so I would be able to use my new card in my apple wallet before it arrived in the mail. Well, the updated card information in my apple wallet went right to the vendor and on XXXX XXXX, 2023, before I had received my new debit card in the mail, I received another XXXX fraudulent charges from the same company for {$550.00}. I put in another claim with Chase Bank but this time they said they weren't able to find anything different about my account and that they were to assume I made the purchases.
Product: Credit reporting or other personal consumer reports

My identity has been exposed due to data breach from credit bureau and or XXXX XXXX XXXX company I have filed FTC report and dispute Transunion has failed to reply or resolve my dispute after several attempts but or reporting inaccurate information and data
Product: Money transfer, virtual currency, or money service

I sold an item on XXXX via PayPal and the buyer requested a chargeback with his credit card company for {$2300.00} on XX/XX/XXXX, stating the item was not as described. It turns out he made a mistake and admitted the item was working as intended in writing. He also reversed the chargeback with his credit card company and showed me a chat log, in which the credit card company said they sent a " release transaction '' to Paypal but it was never processed ( XX/XX/XXXX). They sent another release transaction as a follow up but Paypal insists they are still waiting to hear from the bank. In the meantime, Paypal 's credit division harrassed me with calls everyday about my - $ 600+ balance as a result of this chargeback and threatened to hurt my credit score. 

I have called Paypal support for help more than 10 times during this period, each time they say they will escalate the case and get back to me but they have never ever once called me back or emailed me back as they say they would. When I called today ( XX/XX/XXXX ), I was not able to get any help from the support staff. I was met with strong resistance when I asked to speak to a manager, and when he finally relented, he put me on hold for over 30 minutes and hung up before I could speak to a manager.
Product: Debt collection

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in XXXX. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 XXXX, XXXX, XXXX MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after ; COMENITYCBXXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem is actually due to inaccurate reporting by my mortgage holder Freedom Mortgage Corp which is the subject and related to XXXX prior unresolved complaints - # XXXX -and XXXX. As described in my initial complaint Freedom Mortgage- back in XXXX verified my explanation of events and assured me they would resolve the issue within 15 days by sending Refund Modification documents. Unfortunately that has not happened and I filed a second complaint. In the process of this continued failure FM took my loan out of Loss Mitigation. This complaint relates to the fallout of that action- my stellar credit rating went from the XXXX range down to about XXXX. I went to trade in my vehicle to discover this and was only offered a high interest rate. I was told at that time that after my mortgage company corrects their reporting I could refinance to a lower rate. 
There is such a disconnect existing within the communication flow at Freedom Mortgage that my phone calls and conversations with representatives or messages on the app are all like starting over and go nowhere. This has gone on for the past 14 months! XXXX did send my account back into loss mitigation last week but no mention of correcting their mistake that affects my credit.
Product: Student loan

I am repaying my loans with the XXXX Award and there is a text box for instructions on the My XXXX Repayment Request Form. I have made three payments so far and included my specific instructions on how to allocate my payment of {$850.00} to my loans. Keep in mind that I have already included interest as well. 
I log in and I see that my payments have been processed for the full amount but some of my loans still are outstanding. 
Instead of following my directions, Navient had distributed my payments on my loans incorrectly and improperly. 
Here is the amount that I instructed : XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Unsubsidized XXXX Here is how they allocated my most recent payment : XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Unsubsidized - {$94.00} XXXX Direct Loan - Unsubsidized - {$89.00} XXXX Direct Loan - Unsubsidized - {$90.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Unsubsidized - {$290.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Unsubsidized - {$79.00} XXXX Direct Loan - Unsubsidized - {$190.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Unsubsidized {$0.00} I expect Navient to resolve this by allocating the past payments correctly. I have a limited amount of XXXX Award and I CAN NOT disburse more due to Navient 's error.
Product: Mortgage

On the XX/XX/2020 I received the third letter from Shellpoint Mortgage Servicing saying that I was behind in mortgage payments and that the credit bureaus have been informed and foreclosure is pending. When I contact Shellpoint Mortgage, they tell me that my account is in good standing and that no actions of any type are pending. My concern is again I have received multiple letters from them and that they are harming my credit standing by reporting a false account standing to the credit bureaus. 

In my opinion this is the same as predatory lending, and should be dealt with in the strictest manner. Our lives revolve around having excellent credit and I have worked hard my entire life to maintain this level of credit. This company thinks nothing of throwing those years away and they have no fear of paying a price for such behavior.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Assistance Regarding Credit Report Discrepancies Dear Trans-Union , I am writing to bring to your attention a critical issue I have identified on my credit report. Upon reviewing my report, I noticed the presence of credit accounts and information that did not belong to me. These inaccuracies are deeply concerning and require immediate investigation and correction. 

Additionally, I want to inform you that I am a victim of human trafficking. This circumstance has significantly impacted my ability to monitor and protect my personal and financial information. It is possible that my identity has been misused without my consent, leading to the discrepancies on my credit report. 

I kindly request your assistance in addressing this matter promptly. Please advise me on the necessary steps I need to take to dispute these inaccuracies. Additionally, I would appreciate guidance on any measures I can implement to safeguard my credit and personal information moving forward. 

If you require any additional documentation or information from me to proceed with this investigation, please do not hesitate to let me know. I am committed to resolving this matter as quickly as possible and will fully cooperate to ensure the accuracy of my credit report. 

Thank you for your attention to this urgent issue. I look forward to your response and guidance on how to proceed. 

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

Back in XX/XX/2021 I increased my credit card limit. Transunion continues to report outdated information from XX/XX/2021. Every other month they drop my score between 30-45 points claiming that my credit limit has decreased and the next month they report an increase and raise the score, only to go back to XXXX report the next month and drop my score again! I have filed numerous disputes and spent hours on the phone with XXXX XXXX, Transunion, and my credit card company trying to get this resolved since I am trying to fix my credit and purchase a home. Transunion continues to blame the issue on my credit card company, except that all the other credit bureaus are reporting accurate information, so its clearly transunions issue.