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

It first started around XX/XX/XXXX I got a debit card in the mail for a XXXX Bank account. I called and reported it fraud. I also revived a letter from XXXX bank stating they didnt accept my application. I never applied to either of these banks. 
Fast forward a few weeks I received a Email about setting up my Ally bank account on XX/XX/XXXX I called and the operator advised me just to ignore the email. I explained to her how I didnt feel comfortable ignoring it and how my information is in their system without my knowledge. She still advised me to just ignore the emails. I started to received emails about adding XXXX account? 
So I called again XX/XX/XXXX to report the fruad and this time the operator reported it and shut down the account. 
I woke up this morning XX/XX/XXXX to yet another email about an account trying to be open Without my knowledge or consent. This time it was from XXXX bank. 
Ive never applied for any of these account and I have no idea how they have my email and information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I've called and mailed the bureaus and asked to have the info corrected. The problem is still here. I can not pull up or see my credit report nor my credit scores.
Product: Checking or savings account

Account over drawn, for pending transactions which caused for a negative balance and insufficient fees being charged. Wells Fargo still allows money to be taken out of an overdrawn account and continue to collect insufficient fees. They do not decline payments which makes my account go further negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

few accounts are reporting inaccurately and fraudulently under my XXXX and XXXX and equifax credit reporting agencies. 
i have been disputing these fraud account ( XXXX XXXX XXXX, XXXX and XXXX .... ) please you are my only hope to show bureaus these are inaccurate, not mine, i will be attaching my police report and FTC report filed, i had been providing these documents to all three bureaus, these were removed then put back again. 
please have three bureaus remove this inaccuracies. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I XXXX XXXX, a federally protected consumer, sent Equifax a letter disputing Acct # XXXX. ( Letter attached labeled XXXX ). Equifax responded on XX/XX/2022, stating that this account was verified. ( attached labeled XXXX ). This complaint is against Equifax, requesting their detailed procedure and method of verification sent to them on XX/XX/2022 via certified mail, giving them fifteen ( 15 ) calendar days for requested information. ( attached labeled XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many letters informing XXXX XXXXXXXX XXXX that I received a copy of my credit reports, and noticed some late payments that still need to be corrected. I mailed a certified letter on XX/XX/2022 and it was signed for and received on XX/XX/2022. This company has had over 30 days to respond and my credit report has still not been updated. Again, the late payments are as follows : XXXX XXXX XXXXXXXX ( XXXX ) Your company is in violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681. Pursuant to 15 USC 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies, THE LAW CLEARLY STATES : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Clearly, prohibition means something that is not allowed. This law says a person ( you in this case ) 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. 

Lets look at has reasonable cause to believe that the information is inaccurate. 

I CLEARLY showed you in my previous letter ( that you received via certified mail ) that you have REASONABLE CAUSE to believe that the information is INACCURATE by me CLEARLY defining accurate and what it means to be inaccurate and pointing out the laws that youve violated, therefore the information being inaccurate! 

While were at it, pursuant to 15 USC 1681a ( 4 ) - Congressional findings and statement of purpose, THE LAW CLEARLY STATES : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave your organization permission to report my information. 

This is getting out of hand, so if you continue failing to follow the law after Ive CLEARLY showed you that you have reasonable cause to believe that the information is in fact inaccurate, this matter will result in legal actions being taken against your company for actual damages, and I will be seeking {$1000.00} per violation of the following : - 15 USC 1681n - Civil liability for willful noncompliance - 15 USC 1681o - Civil liability for negligent noncompliance There was no contact to state that my dispute letters were even received. When discussing it over the phone, I was told that it will never be removed. This is against the law and I am very disappointed in how this company has conducted business.
Product: Credit reporting or other personal consumer reports

According to FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank you.
Product: Credit reporting or other personal consumer reports

According to the FAIR CREDIT REPORT ACT if I request that information that hinders or damage my credibility not be reported on my account, then it should not be reported on my account. XXXX XXXX, Equifax, and XXXX is continuing to report my personal private negative information like late payments, Closed accounts and Hard inquiries to the public domain. These three things are damaging me terribly.
Product: Debt collection

I terminated my contract with XXXX cell phone services. I knew there would be a disconnect fee, but did not receive any letters in the mail or phone calls to tell me that the debt was owed. I received a call from a collection agency telling me that I owed money to XXXX. I verified with the person on the phone when I set up the first payment that this had not yet and would not be reported to my the credit agency, as I was not made aware of the debt that was owed. I was assured by the individual on the phone that it had not and would not be reported to credit agencies. This was around XXXX ( I believe ) XXXX. I pulled my credit report the next day it the delinquency had been reported. I called back, and the first person initially cancelled my payments that I had set up, so I spoke to another individual who reinstated my payment plan, but informed me that they had not been able to reach me in 15 days, so they had reported me to the credit agencies. I told her that I never received any phone calls ( as I had recently been dealing with health issues with my XXXX daughter ), and I did not receive anything in the mail. She stated that they had records of sending me requests in the mail, and there was nothing I could do. I am happy to make the payments, and set those up immediately when I was aware the debt was owed, but I was never provided the opportunity to pay the debt and make those arrangements before I was reported to the credit agencies.
Product: Mortgage

I told the loan officer I did not want my credit score ran. He said it wouldnt affect my score, so I assumed he meant a soft pull, since pulling your credit does affect your credit score.  So I gave them my information, which they are saying is evidence that I wanted him to run my credit. I escalated it and the resolution advocate said they dont reverse them because it would affect them adversely, so she didnt care that I was manipulated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I have a security freeze in place and TransUnion allowed a hard inquiry to be added to my report despite that security freeze. 

There was no attempt made to seek credit at this time and no knowledge that a hard inquiry would occur. 

I am not claiming wrongdoing by XXXX XXXX XXXX. They apparently have an allowed exception to bypass a security freeze without the person unfreezing or providing a one time PIN, but they did not have permission from me to bypass the freeze for a hard pull. 

Contacting TransUnion customer support was no help at all. They gave me a massive run around that I had to get all sorts of documentation that I have no control over producing, which has to be mailed to them, and then eventually they will remove this inquiry that never should have been allowed by them.
Product: Mortgage

On XX/XX/XXXX I contacted our mortgage lender ( Mr. Cooper ) to initiate the process of having our PMI removed. Their PMI representative walked me through the process and I submitted all required documentation ( recent appraisal report, receipts of upgrades made, etc ). They responded back with an automated message that I would receive an update on my submission within 5 business days. 3 months later after NOT receiving a response or even an update, I called their customer service again on XX/XX/XXXX and was told they didnt think I was eligible to apply for PMI removal until XX/XX/XXXX. Their messaging and communication has been unclear and they are refusing to remove my PMI fee from my mortgage even after submitting all required documentation. The PMI fee is also NOT disclosed on the monthly statement and theres no available information regarding the fee within my customer account, which seems deceptive especially after unclear communication on the PMI removal process.
Product: Debt collection

Two years ago I went to a XXXX XXXX XXXX in  XXXX XXXX, CA. The associate asked if I would like to open a XXXX Debit Card. I said no, however they explained, this is NOT a credit card and is in no way tied to your credit. I agreed to open the card, which was simply linked to my checking account like a debit card. I filled out the information and gave it to the cashier/associate. The associate entered the information, then rang out the transaction. The transaction went through and I left the store with approximately {$50.00} in merchandise. I am now receiving notice from XXXX XXXX that I am in collections. I have called them and they said that the transaction did n't go through and now they have put a collection on my credit. This error occurred due to some system error with XXXX and I never received notice that I owed them anything. They will not remove the collection even if I pay them. My credit score has gone from the high 700 's to below 700. This all over {$50.00} on an account that I was told is not a credit account and was not tied to my credit whatsoever. Also the phone number they read back to me was wrong by one digit, they said they had called to try and collect the debt over the phone. I would have been able to pay this had the associate not entered my phone number in incorrectly as well.
Product: Credit card or prepaid card

In XX/XX/2018 I received notice my payment due for XX/XX/2018 had jumped to {$540.00} which was almost {$320.00} more than what I had been paying the prior months. This was quite frustrating however I managed to figure out how to pay before it impacted my credit. My fiance was without work so I was struggling to maintain all payments and keep my credit from being impacted. During this time of trying to figure out how to make the XXXX payment I then received another notice of my payment due for XXXX which jumped all the way to more than {$1500.00}. As anyone can imagine this was a huge increase and if I struggled to pay the the additional {$320.00} I would not be able to figure this one out. I immediately reached out to American Express and asked what was going on as the payments had increased significantly. They indicated the amount due was because my pay over time balance was over the limit. I asked them what the limit was as I had received absolutely no detail on this limit and they advised {$4600.00}. I had not recently charged almost {$2000.00} so I asked for an explanation in which nobody could explain. I asked what assistance I could get as there was no way I could pay this by the required date to keep it from impacting my credit and I was told there was nothing. This was very disturbing. I have had a stellar payment history with them and all my other credit card companies. This was an unfair practice to a consumer. During my call I was also told - that I should have read my statement as it is in there. For those who pay online you typically never go in to the detail of the statement. This information needs to be transparent to consumers, not embedded and hidden. I would like to request the late payment for the XXXX payment be removed from my credit. I was able to pay the payment however I was 4 days over the 30 day mark. I did all I could to try to resolve however the company offered no assistance, was unwilling to take ownership in the misleading information, and seemed to truly not care. Not only did it hit my credit two months later I get a notice that they are lowering my pay over time limit to {$3100.00} because of credit score dropping - which was a result of their lack of informing a consumer. I also had another credit card company drop my limit from {$5800.00} to {$2100.00} because of this one late payment. I find this to be horribly unfair to consumer and they must change their way of how they handle this type of credit card with pay over time balance. I would hate to have another consumer in this position who truly could not pay.
Product: Money transfer, virtual currency, or money service

I was on a XXXX page to become a vendor at a local craft fair. I was contacted, discussion went back and forth looking at what size space I need, do I want booth insurance, etc.. I sent the money XX/XX/year> to hold my spot {$78.00} for the event. It turns out this person does not work with the craft fair organization so I did NOT have a spot available to me. The XXXX XXXX  was XX/XX/year> which was a real event. So I JUST found out this was a fraud. 

I tried to reach out to the person directly however the account is not accepting messages. I contacted XXXX XXXX  directly also they told me they could not help either. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$75.00} Fee {$3.00} Total, {$78.00} I am not sure what to do but I can not afford to be out this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

MACY'S/CITI BANK ACCOUNT XXXX XXXX HAS RECEIVED A PYMENT FROM ME ON THE BALANCE THAT THEY CLAIMED WAS PAST DUE. CHECK WAS CLEARED ON XX/XX/2019 BUT MACY 'S STILL REPORTED IT AS PAST DUE FOR XXXX, XXXX, XXXX AND NOW XXXX THIS IS DAMANGING MY CREDIT EVERY MONTH ESPECIALLY WHEN I RESOLVED THE BALNACE AND THEY AGREED TO ACCEPT PAYMENT IN LIEU OF DELETION. BUT PAYMENT WAS NOT POSTED AND ACCOUNT WAS NOT DELETED FROM THE REPORT, WHY? ISN'T THIS A VIOLATION OF MY RIGHTS UNDER CFPB? I'M PREPARING MY COMPLAINT TO FTC AND ATTORNEY GENERALS OFFICE AS THIS IS UNACCEPTABLE ... IGNORANGE FROM MACY'S/CITI BANK ...
Product: Vehicle loan or lease

I purchased a vehicle through Credit Acceptance and they were over charging me with the loan APR was very high
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to investigate my dispute towards an account. They have failed to verify and also did not send me any method of verification on the account. it's been too long and I've received no response! before they would send stall letters, now they did not send anything at all.
Product: Money transfer, virtual currency, or money service

I sent money for a service the account I sent to was closed on the advice of cashapp and reopened with a new cash tag. The provider of the service inadvertently gave me the closed cashapp. I contacted cashapp to retrieve the money to send to the correct account. The rep was absolutely useless and confusing and told me that the money would be returned in 14 days which was a lie. The provider of the service even called and was given the runaround as well. The customer service provided by this company is NON EXISTENT I basically feel robbed by them.
Product: Payday loan, title loan, or personal loan

My loan started XX/XX/XXXX with first monthly payment of {$49.00} due XX/XX/XXXX. That Automatic payment was deducted from my checking account XX/XX/XXXX ( # XXXX ), XX/XX/XXXX the second {$49.00} payment was deducted from my account as agreed ( # XXXX ), XX/XX/XXXX the third payment of {$49.00} ( # XXXX ) was deducted as agreed. 
BUT on XX/XX/XXXX a {$600.00} payment was deducted from one of my accounts. I have no idea why or how and had the bank reverse it. 
In XX/XX/XXXX, instead of deducting the contract agreed amount of {$49.00} from my account, you tried to deduct {$640.00} which the bank reversed. From then on, this account has been a mess. 
I had my bank send a check for {$120.00} ( check XXXX ) that cleared my bank on XX/XX/XXXX which should show me ahead on my payments, yet you show I am still behind PLUS when I have tried to talk to someone about this in your customer service department, I am told I am past due. I also see that instead of the AGREED per our contract of 0 % for 12 months and 29.99 % for the remaining 12 months. You are showing, per a conversation with one of your customer service people. That my account is now at 29.99 % before the XX/XX/XXXX date on the contract and all my statements. 
Nobody in the customer service could explain why all this has happened nor will they clear up my account. 
I am sending what I believe is the payoff amount, original loan minus payments made. I do want to clean this up and get rid of this albatross around my neck.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX  XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  has continuously charged late fees without any notice. 

The credit card does not get used, therefore I only get notices that there is a late payment through my credit report. 

By that time its too late. 

Zero letters, Zero phone calls, Zero notifications made by XXXX XXXX XXXX  to rectify balance. 

Dates charged : XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21