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

Wells Fargo bank in California, there was missing money in checking and savings. I closed account
Product: Credit reporting or other personal consumer reports

Credit score lowered XXXX points due to credit union report error. Loan was paid in full, and not reported as paid. This resulted in two late payments. Loan amount was paid in full XX/XX/2023. Late payments issued for XXXX and XXXX of 2023 after the loan should have been paid in full. Disputed with Equifax once with no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error I am a consumer by law and I am frustrated. As of today its been over 90 days and they have yet taken any action to correct the inaccuracies. They Violated The United States Code Law under permissible purpose. I never gave them any written consent to report anything on my consumer report no consent is identity theft.
Product: Credit card or prepaid card

I purchased a sofa with Ashley Furniture on XX/XX/XXXX, and was promised 0 % APR for 60 months. I was set up for auto payments through MySynchrony so I never realized that on XX/XX/XXXX, they hit me with {$370.00} of interest and it has been rising ever since. The total balance is now more than what I started with! I had originally wanted to pay for the entire sofa in cash, but did not bring enough with me. I was promised by Ashley Furniture that I could come back and pay the rest of it off in cash, but when I had returned the next week they said everything had to be done through the credit card. After reviewing the contract, it does state that MySynchrony only allows 6 months of no interest, but the salespeople at Ashley Furniture DID NOT MENTION IT ONCE. I dont understand how it is legal for them to make these completely false advertisements. They will never receive my business again, and the sofa I purchased started piling after 3 months anyway. Total waste of my time and money!
Product: Mortgage

To Whom It May Concern, In approximately XX/XX/XXXX my husband and myself filed bankruptcy. At which time we elected to continue to make payments on our home in XXXX, GA. We continued to make our mortgage payments and rent the home. In the summer of XXXX we proceeded to sell our home to our tenants of many years. The home was not listed at the time, because it was a private sale. Upon submitting the necessary documents we found out there was a second lien on the home from the original line of credit. At this time I contacted the lien holder XXXX   and found out that it had been transferred to Specialized Loan Servicing. I contacted the company and found that even though we had been released from our personal obligation, the loan would have to be paid. With an additional amount of interest of nearly {$10000.00}. After weeks of negotiation we were finally offered a settlement for the principal amount. of {$16000.00}. The short payoff was given to us in writing on XX/XX/XXXX. However, the sell of the home was not finalized because the buyers withdrew 3 days before closing. This of course gave us an inability to pay this settlement. 
After, months of trying to sell the home again, listing it with an agent, we finally went under contract for the sale of the home again. 
Once again, I contacted Specialized Loan Servicing. At which time I again ask for a settlement, however once SLS realized that the house was under contract, I was told by them that they would not negotiate and that we would have to pay the full amount. I was also told that they of course could foreclose ( an intimidation tactic, I'm sure-because they would more then likely end up with nothing ) I spoke with the rep and supervisor, both telling me the same thing. 
On no level of professional business practice should this occur with anyone. 
The only reason they are not willing to negotiate just 7 months later, is because they are now aware of the sell of the home, and can try and get the principal and interest from us. The intimidation and lack of professional business practice makes this unfair to my family and any consumer. 
Again the only difference from the end of XX/XX/XXXX and XX/XX/XXXX is the fact they they were aware of the home sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did an online dispute and the info and amount changed, someone made a {$19.00} dollar payment, but it wasn't me. There seems to be some type of fraud etc. going on. I pulled a report today and it shows different than the report I pulled on the XXXX. The reporting is still inaccurate and incorrect. The XXXX of XXXX, and their collection agency weren't able to explain the XXXX loans, the amounts, dates, times, etc of the loans that they said I owe, plus they couldn't explain what was applied that I already paid to the loans. Please see attachments.
Product: Debt collection

On the date of XX/XX/XXXX2024 I sent the first letter via certified mail to LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES to verify and validate that the alleged debt owned is indeed mine. They then responded with an online account summary report., On XX/XX/XXXX2024 I sent out another letter via certified mail, this time I requested complete payment history, the requirement of which has been established by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX. XXXX  XXXX. Please provide verification by line ( with an explanation of each item such as when the purchase or change took, and how much each amount was etc. ) for the entire amount you say I owe obtained directly from the ORIGINAL CREDITOR. Date of last activity. My full, complete and correct social security number that may help identify me as the correct person you are trying to collect from. Agreement that bears the wet signature ( NOT ELECTRONICALLY ) of the alleged Debtor wherein he agreed to pay the original creditor. The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money you claim I owe. Proof of ID that was presented to you at the time of the incurring this debt. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX, XX/XX/XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase the request clearly to obtain : The source of a debt and the amount of a bad debt buyer paid for the plaintiffs debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus and documents conferring authority on defended to collect debt. Prove that this debt has not been written off as a tax liability. Any other intimate knowledge of the creation of the debt by you, the collection agency.
Product: Credit reporting

I disputed an account on my credit report with XXXX, because they have not been able to provide me with specific account information and violated the XXXX code by ignoring requests for validation they agreed to remove the account from my credit report. They stated that they have submitted request to remove the account and in addition I have also disputed the account with the XXXX credit bureaus. I had also provided Experian and XXXX with a copy of the letter stating they would remove the account from my credit report, yet they XXXX verified the information as correct. They did not even review the information that i added with my dispute. In additionXXXX has not followed through with their remedy. i have attached a copy of the letter.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 There were two unauthorized hard inquiries on my credit. I have submitted a police report of it being a fraudulent attempt to all of the reporting agencies. 
In accordance to the fair credit reporting convergence act the inquiry on XX/XX/2023 by XXXXXXXX XXXX XXXX  ) AND XXXX XXXX XXXX XXXX XXXX ) VIOLATES MY RIGHTS 15 U.S.C 1681section 604 A section 2 states a consumer reporting agency can not furnish an account without written authorization. Please delete from my report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I notified XXXX XXXX about them inaccuratley reporting a 30 day late payment on my Experian Credit Report. At the same time I reported the dispute to Experian. Experian notified me the resolution had been posted. When I checked, they reported me late in XXXX, rather than removing the 30 day late in XXXX. The XXXX payment was not even due. I then disputed it again with Experian. On XX/XX/2023 they notified me that the dispute was reolved. They removed the late payment in XXXX, but failed to remove the intial late payment in XXXX have yet to receive a response or evidence showing the late payment in XXXX as of XX/XX/2023, which has been several days beyond the intial 30 days I requested the dispute to be settled in.
Product: Credit card or prepaid card

RE : Late payment on XXXX 2016 Late Payment .... 

Dear Manager ; I am notifying you of issues with the information on my credit report. I am curious as to how you are allowed to report this information. With a little research, I found out that I have some rights in place. This letter will serve as a formal dispute under FACTA section 312. This law gives me the right to dispute my credit information directly with you instead of dealing with the run-around that happens when someone goes to the credit bureau. Please take note that I have already dealt with the so called investigation process that the bureaus claim to have completed. Nonetheless, I now wish to exercise my rights to dispute this account directly with you.

I would like to dispute the inaccurate reporting of the above account. Please verify the following : That all balances and amounts are reporting correctly.

That all dates are reporting correctly and that any prior pay history you are reporting is correct Please remove this account from my credit report immediately! It has caused quite bit of damage. I want to point out that you are legally liable for any erroneous information as decided in XXXX vs. XXXX XXXX. This case set a legal precedent that a consumer can sue you for reporting inaccurate information on their credit report. I demand that you remove this account immediately. Should this account not be taken care of, my next step will be to file complaints with the FTC, XXXX, State Attorney General, and any other place I can think to file a complaint. I trust this matter will be handled promptly. 

Thanks for your prompt attention to my concerns, Sincerely yours, XXXX
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXX XXXXXXXX 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 card

I have been diligent in maintaining timely payments on my account and believe that the reported late payment is inaccurate. I respectfully request that you investigate this matter and provide a written explanation of your findings.
Product: Credit card

The XXXX XXXX " divorce '' from XXXX and changeover to a Citi Visa card was badly botched. When I went to XXXX to complain there were hundreds of people in front of me. I paid my XXXX card in full on XXXX XXXX but when XXXX switched the account to Citi they did not include my payment. Citi told me to stop payment on my check, which I did. Then I paid the full amount to Citi ( check has cleared ). Now Citi claims I owe them $ XXXX in interest charges. I explained what happened but they are unwilling to help. The manager at XXXX has been understanding and helpful but the issue is still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have had ongoing issues with Cashapp. I have had transactions occur where money was taken from my account without my knowledge or permission. When I ask the company I am told I need to start a dispute from the app, which I do. They offer no explanation as to why the money was taken only that I need to file a claim/dispute. This happened most recently for the amount of {$27.00}, & {$24.00}. I was treated rudely by customer service and was removed from a customer service chat without explanation or warning.
Product: Checking or savings account

I opened a business and personal account with this financial institution. My business was from in NJ, which I provided every documentation to open both accounts. I scheduled a bill pay from another financial institution to fund the Truist business account which took a week to verify the funds. On XX/XX/23, I was told both accounts was closed due to suspension. I shared all documents needed to verify where the funds was coming which was my other business account, dates, statement etc. still they choose to not verify anything. this is an overt evidence of disparate treatment ; comparative evidence of disparate treatment ; Evidence of disparate impact. please contact me for any additional information. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive paid the agree amounts to discharge the student loan debt but company refuses to up hold the agreement arrangement. It was paid and removed only to return as a paid/closed and sold the paid account to XXXX.
Product: Debt collection

The debt collector supposedly hire another debt collector ( XXXX XXXX XXXX ) to serve a legal document. They have called my employment and told the receptionist my information and file number and wanted to know if they can serve at my place of work. I was very clear for them not to call me at my place at employment. They requested to talk to my supervisor which she took the call and she told them that is illegally to harass me at my place of employment. Collector was very aggressive towards me and when she spoke with my supervisor. I told them that I knew my rights but that is not stopping them to call me at work.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed I had a late payment on an account that I was never late and the late payment is also shown on different dates through the different reporting agencies, demonstrating the inconsistency of the information. For Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX - XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent certified mail to the following Credit Bureau XXXX, XXXX and Equifax. I sent a letter requesting that they investigate three negative items on my account and requested that they be deleted because the information was not correct and I did not owe the companies who added this to my credit report. 
The accounts that was falsely reported : * XXXX XXXX XXXX with a balance of XXXX open XX/XX/XXXX. ( false reporting ) *XXXX XXXX XXXX of AZ the amount XXXX *XXXX XXXX XXXX XXXX . 

I have made several attempts to contact these companies to no avail so I reached out to the credit bureaus for final assistance in removing these items. 

It has been well past the 40 days and I have not received any updates concerning my request or letters sent in to validate, investigate and remove the accounts. 

No response from either of the credit bureaus is in direct violation of the fair credit reporting association. 
please help me in resolving this issue. I am asking them to remove the items since I have received nothing validating these accounts that are falsely reporting on my account. 

I am attaching proof of my certified numbers attached to the mail I paid for and sent to the credit bureaus
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX$6900.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3800.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$2400.00} Open Date XX/XX/XXXX XXXXXXXX XXXX, XXXX XXXX {$920.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$820.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I communicated that my identity was fraudulently used to open unauthorized accounts. They than proceeded to treat me as the perpetrator opposed to victim. Experian is very unresponsive and dont seem to care. Then when I get through, and I complete all their task as well as prove my address during time unauthorized accounts were open, still nothing happens. My disputes take over 45 days. Also, experian fails to verify account to consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the credit Bureaus I have 2 account with XXXX XXXX XXXX. I do not have 2 accounts with XXXX XXXX XXXX. It also shows that one or both is a  secured card with a security amount of XXXX. It does not show what bank account or credit card number was used to fund this account nor does it give me information about how this XXXX balance was rendered. 
When I reached out to the company both via mail and phone I was told its was verified. They also sent me some documents that appeared to be an application. I contacted them via phone and wanted to speak to the legal department, they returned that this is not a legal issue its a customer services issue and someone would call me to have the information removed. That was 10 days ago, I 'm filing this complaint because, I 'm having trouble getting the account properly disputed with the credit bureaus and when contacting the creditor it is equally as non- informing.
Product: Credit card

I paid off my remaining balance {$960.00} on XXXX XXXX this year, and this is the last remaining amount on my account. In this case, I thought that I no more owe them money. Generally, The interest charge date on my account is around XXXX or XXXX every month so that I thought as long as I can make a complete payment before this date, I then will not get an interest charge anymore. Badly, when I open my account today in the morning, I saw that a new interest charge {$21.00} was reflected on my account. Truly, this is something really XXXXXXXX XXXX XXXX  again since I have problem with them before, which is the first claim I had made in our system. 
Indeed, the first complaint they didn't refund me back so far, and no one had reach out to me about the {$180.00} dispute. 
Overall, the first thing is the internet charge {$21.00}. The second problem is the over charged interest. I have compared them with my apple credit card, when under the same remaining balance {$960.00}, my XXXX XXXX charged me {$13.00}, and Wells Fargo charged me {$21.00}. I think I have overpaid too much interest for them so far. 

Wells Fargo 's reputation is rotting in recent years.
Product: Credit card or prepaid card

I filed a CFPB complaint ( XXXX ) to Banco Popular for charging me an annual fee and not letting me use the card, and now they closed my account without ANY COMMUNICATION. They stated they suspect identity theft but it 's me all along, this is absolutely insane. If they want to verify my identity all they have to do is contact me but they never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX