23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I'm writing this complaint to address that Wells Fargo has not rebutted the Affidavit I have sent them. 
I have received a letter after stating that they are looking into my complaint but why waste my time with that letter they should have rebutted the Affidavit. Wells Fargo is in violation of 15 USC 1692g, 15 USC 1635, 15 USC 1692j ( a ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1602 ( p ). I have uploaded all the paper showing proof of what i am saying today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent activity my ID and Social was stolen so I see hard inquiries on my credit I did not do at all and I am trying to dispute these items off my credit because it is fraudulent activity I even spoke to transunion provided I need to fill out a fraudulent activity report XXXX  Inquiry : XXXX. XXXX, XXXX  Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX  Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/2023 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX , XXXX  Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX  Bank ( XXXX ) XXXX XXXXP XXXX XXXX  Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are incorrectly reporting that i missed a payment in XXXX on my XXXX XXXX account XXXX. That not possible, my due date on the XXXX of XXXX and I submitted 2 payments according to their ( XXXX XXXX ) billing statement which is provided. 

Equifax is incorrectly reporting 2 fraudulent accounts ( XXXX, Opened XX/XX/XXXX Acct : XXXX XXXX XXXX, Opened XX/XX/XXXX Acct : XXXX ). I notified Equifax multiple times and was told the accounts were deleted on multiple occasions. 

These infraction are gravely harming me financially and is stopping me from advancing in life.
Product: Debt collection

This debt was put on my report before by XXXX XXXX and XXXX XXXX  then removed and sod then placed back as a collection with no notice still and no verification from any one. As well as they do not have a phone number or contact information listed
Product: Credit reporting or other personal consumer reports

I have no knowledge of XXXX XXXX XXXX Acct # XXXX. This is still a violation of my FCRA rights, as I did not give consent to any debt collector. 15 U.S Code 1692 ( C ) ( A ) states I have to give consent to text, call or email from a debt collector and I have NOT. This is not a fair practice and my rights have been violated! I have attached screen shots below of unlawful contact. Also, under 15 US Code 1692 it states I have a right to privacy.

This is in direct violation, and I will sue under 15 US Code 1681N ( A ) ( 1 ) ( A )
Product: Debt collection

I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.
Product: Checking or savings account

I stopped payment on check number XXXX onXX/XX/2023 at XXXX XXXX It was a bill paycheck from Bank of America for {$11000.00} to XXXX XXXX XXXX XXXX XXXX. The bank cleared the check on XX/XX/2023. One of the bank'e employees reversed the stop payment on XXXX at XXXX XXXX EST which allowed for the check to be cleared. 

XXXX XXXX XXXX XXXX XXXX says that they did not cash the check. So there are 2 issues. The agent at Bank of America who reversed my stop payment is what I am addressing in this complaint. The person who fraudulently cashed the check is another issue that can't be addressed through this complaint. 

I filed a complaint with XXXX in the check fraud department with bank of America at XXXX XXXX XXXX. 

Bank of America cleared a check drawn to a completely different individual and address than what I indicated on my bill pay check. This is egregious and outside Bank of America 's scope as a fiduciary. This had to be done by a BOA employee.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under sections 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Credit card

I set up scheduled payments for both of my Comenity Bank cards, XXXX and XXXX as I always have ; however they did not take the scheduled payments. I checked my history and confirmed that I did indeed visit both sites which resulted in a one time payment confirmation. I feel their system malfunctioned and they are trying to get additional fees from me. I see numerous similar complaints and other that are very disturbing however given recent action against Comenity it is pretty clear they are not very honest. I have also emailed their CEO and President.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to the XXXX that the addresses listed on my credit report is and and never has been my address. They refuse to remove it saying that my bank reporting the address. I contacted my bank and they DID NOT report the address and the address shows NO where on any of my accounts with them. The address is XXXX XXXX XXXX XXXX, TX XXXX The only address that is correct and should be showing on my credit report is XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX
Product: Debt collection

AARGON COLLECTION AGENCY INC - XXXX XXXX, NV XXXX contacted a personal friend asking many questions about me also mention about my debit as well to that person. They contact me after and started to treat me over the phone I polity asked them to stop but the calls still going on. I have a friend 's statement upon request. Please the account is too old to be in my credit report and they still file a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute to Credit Bureau XX/XX/2022 to remove XXXX XXXX Bankruptcy. Credit Bureau provided response stating information was " verified '' XX/XX/2022.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by an unknown fraudster which involved me making deposits for a total amount of XXXX XXXX from my account to Paxful at the instructions of the scammers and owners of the wallet XXXX XXXX
Product: Credit card or prepaid card

I have repeatedly instructed Bank of America to STOP CHARGING MONTHLY FEES from my Visa account. Every time they research the disputed transactions, they tell me that their hands are tied -- they have to keep stealing XXXX dollars each month from my account and send it to XXXX. 

I DO NOT USE XXXX!! 

XXXX DOES NOT PROVIDE A PHONE NUMBER, WEBSITE, OR EMAIL ADDRESS TO CANCEL AN ACCOUNT. 

I OPENED AN ACCOUNT FIVE YEARS AGO AND HAVE TRIED TO CANCEL IT EVER SINCE! 

I HAVE ALSO PROVIDED BANK OF AMERICA WITH EMAIL PROOF THAT I HAVE CONTACTED XXXX TO CANCEL MY ACCOUNT AND THERE IS NO WAY TO DO SO!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account should be removed from my credit report I do not owe this debt. 

Portfolio Recovery A Opened XX/XX/XXXX + {$910.00} Original creditor : XXXX XXXX and Portfolio Recovery A Opened XX/XX/XXXX + {$1200.00} Original creditor : XXXX XXXX
Product: Checking or savings account

I was told by Bank of America 's claims department that my provisional credit would be withheld for the duration of the investigation because of the dollar amount. The representative informed me that the investigation XXXX last til XX/XX/XXXX. 

I filed my checking transaction dispute on XX/XX/2023. I made this request after XXXX business days. 

XXXX XXXX XXXX ( c ) XXXX does not specify withholding a provisional credit while extending the investigation because of a certain dollar amount. 

I'm ok if the Bank needs more time to finish their investigation. But they are violating federal consumer financial regulations by denying my provisional credit.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the payment history. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE UPDATED IMMEDIATELY IN THE PAYMENT HISTORY TO PAID AS AGREED, PAID ON TIME, NEVER LATE. AFTER THIS INVESTIGATION, UPDATE THESE ACCOUNTS ON MY CONSUMER REPORT TO PAID AS AGREED, PAID ON TIME, NEVER LATE ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was informed by XXXX XXXX of fraud on my account They sent me a copy of my credit report so I can confirm any suspicious activity. 
Several accounts that was not open by me. Are on 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  these are all fraudulent accounts on my credit report there are XXXX  addresses on my credit report, even though Ive never lived or had an address in XXXX  ive also reached out to these companies and none can provide documentation showing my signature. Also, I spoke with XXXX XXXX  informed them that the account was fraudulent so they had the vehicle repossessed, which is hurting me even more because they didnt remove it from my report.Once I found out about it I didn't contacted Experian as well as XXXX just to make sure that the information wasn't on both reports as well and I found out that they are I have disputed this information directly with credit bureau of also filed an FTC report as well as contact the local police department this fraudulent and unverified information is causing harm to my credit report I have contacted a lawyer in order to seek damages due to these bureaus adding the information without properly verifying that it was correct and not fraudulent My attorney has informed me to give these companies 30 days to rectify the situation before taking legal action and as they are in violation of the FCRA
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or must deleted. Per FCRA segment 605 you are expected to eliminate any records. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX  Balance Owed : {$XXXX XXXX XXXX Balance XXXX : {$XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$XXXX XXXX XXXX Balance Owed : {$XXXX XXXXXXXX XXXX Balance Owed : {$XXXX XXXX XXXXXXXX Balance Owed : {$XXXX XXXX XXXX XXXXXXXX Balance Owed : {$XXXX} Chapter XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/year> Chapter XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/year>
Product: Mortgage

I am a victim of Predatory lending. I was given a pick-a-payment loan in 2006 and Wells Fargo said that they could only help me modify if the loan was in default and advised me to stop making payments and then they would modify the loan. They said they were participating in the Help for Homeowners program. They also said because of my age and the fact that I was an unmarried single woman that women are considered a high risk. I eventually went into foreclosure because they would not work with me and now I am in Bankruptcy court. I filed a modification and had XXXX meditations. In the first mediation on their Good Faith estimate they using to try to show I did n't qualify, they had a XXXX forced place home owners insurance on the document and also the wrong amount for my salary. They told me and my attorney to submit proof of new Home owners insurance and more pay-stubs which they already had. I sent them my new Homeowners policy for XXXX and more pay-stubs the next day. In the next mediation they said they would need a letter of explanation regarding my bonuses I receive from my job and I submitted that the same day. In both mediations they said once we produce the documents and letters that my figures we were good and I would have no problems qualifying and getting approved as I qualified for it. They based my mortgage in mediation on fixed XXXX and 2 % and they said the payment would be around {$1000.00}. My attorney said I was paying that to the trustee and there would be no problem. I have never paid late to the trustee. I pay on time. Then we got a denial. 
So, I filed all over again several times and finally got approved for XXXX at 2 % fixed mortgage. I made my payments of XXXX per month and after the third payment they sent the final paperwork and the mortgage went from XXXX to XXXX Balance. The house only appraised at XXXX so I do n't know how the mortgage went to XXXX? This is nothing more than predatory lending again! How can a homeowner sign a mortgage for more that the house is worth and the figures they are using have tacked on XXXX onto the original pic a payment loan for interest! How are they getting away with this? How do they give me a predatory mortgage again? Today they were accused of racketeering for charging homeowners who were in default way over what their loans were and they settled again for XXXX XXXX dollars. Why ca n't I get a mortgage modification for a fixed price which I was quoted originally and now and they keep playing these crooked games? HAMP has now supposed changed over this long process and that is why they stalled to approve me! I want this straightened out.
Product: Debt collection

This account was originally XXXX XXXX XXXX another company bought this debt XX/XX/XXXX from XXXX under accct # XXXX. which was deleted. Now rhis company I. C. Systems bought it under account # XXXX. I am so tired of companies keep buying debt over and over again through different companies ruining my credit.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX  XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX  XXXX/XXXX  - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX  XXXX  XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX The following inquiries were not and should not be reporting.
Product: Credit reporting or other personal consumer reports

I saw these enquiries on my reports that are not permitted by me or verified by me nor does it have my signature for it to be placed on their platform. These include ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2014 I purchased a van from XXXX XXXX XXXX in XXXX XXXX NV. I made my payments on time for the first 2month, by the end of the 2nd month The vehicle broke down. This was the 3rd time in that 2 months. Finanlly when I took the car to my moms we pulled into a XXXX where the car completly stopped working. We were stranded me and my kids in another town. I immediately called XXXX XXXX   and told them to come get the vehicle and where it was. When they picked up the vehicle I advised them I did not want it back it was a lemon. When I did not pick the van back up from them they counted it as late payments and then placed the car in repossession status. This was not a repossession in any way. I would like it fixed and removed from my credit report. I have been fighting non stop with this. Please have it removed from all of my bureaus this was not a repossession and it was a lemon a bad vehicle that never worked properly. I got scammed by this company.
Product: Mortgage

Due to Hurricane Irma, I sustained economic loss and incurred financial hardship. I live in south Florida, and we were declared a natural disaster area by our governor. As such, I called my mortgage company, Specialized loan services and requested a 3 month deferment due to my financial hardship. SLS stated they could only approve 2 months and not 3 months. I received a letter in the mail dated XX/XX/XXXX that my 2 month deferred was approved and my next mortgage payment would be XX/XX/XXXX. The 2 months that were deferred were moved to the end of my loan to XX/XX/XXXX. 
This month, I called SLS to make sure they credited my XX/XX/XXXX payment correctly, and the service agent stated that I had a deferment and the two months that I skipped would be due in XX/XX/XXXX, which is essentially a balloon payment. I was never notified in writing and only found out as the customer service agent told me I did n't have a deferment, but a forbearance with a balloon payment. 
I am attaching the letter from SLS from XX/XX/XXXX which agreed to the deferment and extending the 2 payments to the end of my loan. 
Since this is in writing, I am asking that they honor their original agreement. 
As of this writing, XX/XX/XXXX, I have not received any notification in writing that I am in forbearance. 
I feel like they are setting me up for failure. 
Lastly, although I am in deferment and or forbearance, SLS charges a late fee on my account these pasts months as well as XX/XX/XXXX, and I made a XX/XX/XXXX payment. 
Your assistance is appreciated.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX ACCT # : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections. 
Your Cooperation and prompt attention are greatly appreciated.
Product: Debt collection

In XX/XX/2019 we opened a XXXX credit card in connection with our XXXX account. Afterward we received several statements and promptly paid them in full. After those statements we received no additional statements. Several weeks ago, we received a call from Client Services indicating we had a balance of XXXX, and they wanted payment. We had no idea we had an unpaid balance because we were not receiving a bill. After some investigating, we discovered XXXX was sending the bill to XXXX XXXX XXXX instead of XXXX XXXX XXXX. Apparently, there was a typo on our application of which we were unaware. We dont know how we received the two bills we got early on, perhaps a kind postman or neighbor. 
We paid Client services in full. Since we got no phone calls or emails from XXXX indicating there was a problem, and our credit rating is impeccable I asked XXXX to correct their reporting to credit bureaus After several requests they refused saying such contact was not required, only a courtesy. With a modicum of effort, they could have gotten a correct address for us and could have contacted us by email or phone. This conduct clearly is a violation of fair business ethics and credit reporting rules. We want two corrective actions : reversal of report to credit bureaus and refund of any late charges and penalties.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-off Report XXXX XXXX XXXX I am writing to challenge and urgently request the removal of incorrect and unauthorized charge-off entries listed on my credit report by a third-party collection agency. These entries have significantly compromised my financial status, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It is important to note that I have no contractual ties with this collection agency. Their reporting of charge-offs on my account, which I never authorized, lacks any legal basis and violates several laws concerning credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : Charge-offs reported on my credit are without my agreement, constituting a breach of the legal standards governing credit reporting. 
XXXX. **Failure to Furnish Form XXXX : The agency did not provide the Form XXXX required for accurate tax reporting, exposing me to potential tax compliance issues. 
XXXX. XXXX Rights XXXX : Reporting my personal financial information without consent is a direct violation of the Privacy Act of 1974 ( XXXX XXXX XXXX XXXX ), which safeguards against such unauthorized disclosures. 
XXXX. **Absence of Contractual Relationship** : I have never consented to any agreement with this agency, making their report an infringement on my consumer rights. 
XXXX. **Opt-Out Rights** : I am officially opting out of all implicit permissions for the sharing or reporting of my credit information, as supported by regulations XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( b ), and XXXX XXXX XXXX. 
Given these concerns, I request a prompt investigation into these inaccuracies and the removal of the disputed entries from my credit report. I expect a written confirmation of these corrections. Please be advised that I am prepared to pursue further actions, including legal remedies, to correct my credit information and defend my rights. 
I appreciate your immediate attention to this critical issue and await your swift response and resolution.
Product: Checking or savings account

During a period of time Wells Fargo charged me overdraft fees when they said they wouldn't as long as it was within a certain window of a recurring direct deposit.