23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I called Wells Fargo on XX/XX/year>, on or around XXXX pm PST. I received an email from Wells Fargo instructing to call ( XXXX ) XXXX in response to the California wildfires and my unique situation. Upon dialing I got to XXXX in our Arizona call center. XXXX had no idea what the above-mentioned telephone number is. In fact, he indicted the phone number XXXX be fraud and I need to go to a Wells Fargo XXXX ( this is false ). In addition, I indicated XXXX on XXXX XXXX, CA, and that the above phone number is a dedicated line at Wells Fargo and is different than the phone number on the back of consumers Wells Fargo XXXX cards. XXXX still did not recognize the significance of XXXX CA, or XXXX XXXX CA. I had to spell it out to him, XXXX affected by the California Wildfires, and he said theres nothing he can do. I then asked to be transferred to a disaster team, and he said there isnt one. If it wasnt for my request to transfer to a supervisor, the call would have ended with no resolution. Then it gets worse, XXXX XXXX from the Oregon call center took over the call and also did not understand or recognize the language of the Wells Fargo email. Before transferring me to the disaster team, I asked her for the specific name of the department. Instead, she transfered while I was still speaking. This is a violation of our transfer procedures in addition, she was more concerned with rushing me off the phone indicating there were other customers she needed to speak with ; this was here response in light of the CA wildfires. I seek to hold XXXX and XXXX accountable.
Product: Debt collection

On XX/XX/year> I received a call from a XXXX XXXX stating that she was calling from XXXX XXXX XXXX. She was calling to let me know that the company had mailed out a settlement offer on a Capitol One account ( over 10 years that account has been closed ). I advised her that I did not receive any settlement offer, and asked if she would be able to email me the letter. I was emailed a docusign document which was a Validation of XXXX. She stated if I would not sign document before XX/XX/XXXX they would proceed with legal action, put a lien on my property or garnish my wages. 
I tried looking for XXXX XXXX XXXX online but was not able to find any information on company. I also contacted Capitol One, advised credit card was charged off and transferred to XXXX XXXX XXXX. I also contacted XXXX XXXX XXXX and they no longer have my account information.
Product: Debt collection

There's a company by the name of IQ Data International that has a collection on my credit reports, XXXX, XXXX, and XXXX with a false debt. This debt was sold to them by XXXX XXXX XXXX   in the amount of {$4900.00}. I have never lived at those apartments and I have already disputed this information with IQ Data International ; they have not validated this account or responded to my request. I have also disputed this information with the credit bureaus. I have had not had any official documentation due to some of my identification documents being destroyed in a fire. I would like to see what ID they have on file, an official ID and signed leases / documentation. I have never even heard of these apartments until it came up on my credit report and no one has provided accurate information because there isn't any to prove other wise. The laws of the FCRA states that all data reported must be accurate and validated. Please help me with getting this removed as they are violating those laws.
Product: Money transfer, virtual currency, or money service

On XX/XX/24 I tried to withdraw the funds from my Google Pay balance. 

My Google Pay account is registered under the email : XXXX I was unable to withdraw my full balance because there is a {$10000.00} limit for withdrawals on accounts that are not verified. I went to verify my account and submitted all of the information they requested including my SSN, government name, and address. 

After submitting everything they asked for I got a message saying the following " Your ID verification couldn't be completed ''. 

After this I went to the live chat for Google Pay support and explained the situation to a Google Pay representative. They were not helpful whatsoever and seemed to not even understand what was going on. I asked to speak to a supervisor. The representative confirmed an arranged date and time for me to speak to a supervisor. 

" I appreciate your efforts in providing all the required details. I would like to inform you that I have arranged a call for you at your preferred time. Please be available to have a conversation with our dedicated team to resolve the issue as soon as possible. ". 

The arranged time came and went and I never got a single call from the supervisor. Now here I am over XXXX weeks later XX/XX/24. I have {$2900.00} stuck in my Google Pay balance and they are not letting me withdraw the balance. Furthermore, they have not helped me at all when it comes to verifying my account. I am more than happy to send them my SSN, drivers license, ID, whatever it is that they need. But they have simply not helped at all and are now holding my money XXXX. 

This complaint will be my last attempt to get them to stop holding my money XXXX. If this is not successful I will be forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only address that should be on my report is the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX EXPERIAN REPORTING # XXXX I demand the following IDENTIFICATION # 'S BE REMOEVD DUE TO ATTEMPTED FRAUD WITH MY INFORMATION. 


# XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX Single family # XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Single family # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX Single family I DEMAND THESE XXXX INVALID ADDRESSES BE REMOVED ASAP. 

COPY OF MY CURRENT ID AND ADDRESS IS ATTACTHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX  Opened XXXX {$160.00} XXXX XXXX XXXX  Opened XXXX {$160.00} XXXX XXXX XXXX Opened XXXX {$230.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have identified incorrect personal information on my credit report, which has resulted in the appearance of unfamiliar and inaccurate accounts that I have no association with. These errors are causing unnecessary confusion and negatively impacting my financial standing.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America regarding what I believe to be an unjust late payment fee and the inadequate customer service I experienced. The details of my complaint are outlined below : 1. Statement Balance and Refund : The statement balance of my Bank of America credit card for XXXX was {$390.00}. Subsequently, I returned products purchased during the month of XXXX, resulting in a total refund of {$510.00}. As the total refund exceeded the statement balance, I did not make any additional payment to the credit card for that month.

2. Bank of America 's Awareness of Refund : Despite being aware of the substantial refund posted to my account, Bank of America continued to allow me to use the credit card for future purchases. Typically, credit card companies decline further charges if the minimum payment is not made on time. 
3. Unjust Late Payment Fee : Bank of America charged a {$25.00} late payment fee on my credit card, even though the total refund exceeded the previous month 's statement balance. This fee is unjust and inconsistent with the industry 's standard practice. 
4. Inadequate Customer Service : When I attempted to address the late payment fee by calling Bank of America, the automatic phone system did not provide an option to discuss late fees and would not connect me to a representative. Instead, the system abruptly hung up on me, leaving me frustrated and without resolution. 
5. Resolution Attempt through Online Chat : I had to resort to using the online Chat function to contact a Bank of America customer representative named XXXX. While XXXX promptly refunded the late payment fee, Bank of America continues to display a " past due status '' on my account, despite the statement clearly indicating that " payment and other credit '' exceeded the total balance of the previous statement.

6. Payment Not Posted Despite Deduction : Following the " past due status '' on my account, I made a {$50.00} payment as requested. However, despite the deduction of {$50.00} from my bank account, Bank of America has not posted the payment on my credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the accounts in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : -
Product: Credit reporting or other personal consumer reports

My consumer rights 15 USC 1681B has been completely violated and I am requesting removal of the following Plz remove the follwing from my consumer report, INQ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I did not sign any forms XXXX give my written consent to add these reports to my consumer report, as a result my rights as a consumer has been clearly violated, I am requesting the removal of these items within XXXX days as mandated by the consumer law. 

Failure to do so will result in further action being taken, according to consumer law 15 usc 1681c2 I have incl my fie report id and ss crd along with my statement is attached, it is imperative to emphazie that my request to block was NOT made in error, nor was it based on a material misrepresentation.

I did NOT knowingly obtain, or have known to obtain, possession of goods, services or money as a result of the transaction I am requesting to block. Therefore these should be block and removed within XXXX  days or further action will be taken on my behalf and I will sue for character defamation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a disputed XX/XX/2018 with TransUnion. It says theyre still investigating and its been more than a year
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir /Madam : This is Notice of a Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus XXXX, Transunion, and XXXX pertaining to a credit card with XXXX XXXXXXXX XXXX acct # for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that the account you credited my payment to may not belong to me, and/or the reporting to XXXX, XXXX and Transunion may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( July 1, 2009 ), this Notice includes : Identification of the specific information being disputed I am enclosing both my payment for $ which you can see deducted from my account and my payment for $ both which were clearly deducted from my bank account, however xxxx is not reflected in my online payment statements. 

I have called XXXX XXXX several times trying to rectify this matter and only getting people giving me several different fax numbers to which I have set my bank account statements. I have also spent numerous days and hours on the phone with reps that have kept me on hold only to tell me the payment went to someone else in the household or another account. 

This is not possible. I am a single mom of a XXXX year old little girl and the only card I have from XXXX XXXX is the card ending in xxxx. If you look on the credit bureaus reflect on of payments they also show that XXXX has been paid. Yet my credit has been impacted to the sum of -30 points for an error that is not mine. 

I have made all of my payments on time for years and you can clearly see that in my account. The credit agencies also have the XX/XX/2018 payment checked off as paid yet are reporting a 30-60 day late payment. 

I am asking that this matter be resolved. 

Please feel free to contact me. 

Thank you
Product: Debt collection

National Credit AdjustersXXXX XXXXXXXX XXXX XXXXXXXX XXXX VISA is illegally reporting my private information to an uninterested third party/public reporting agency without my authorization, and attempting to illegally collect a debt. I am requesting full deletion of the information being reported on my Consumer Report as well as the balance showing on any accounting ledgers associated with any derivation of my name which is my private DBA. 

Please make note of the following discrepancies I will litigate/enforce if this is not removed from all collection efforts and accounting ledgers : 1. The alleged obligation must be referred to the United States for collection of said obligation [ per 18 USC 8 ], not to me.

2. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 
3. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my Location Information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress. I do not wish to contract with National Credit Adjusters for any reason and revoke any alleged or implied agreements made on my behalf without my knowledge or consent.

4. The Finance Charge should have been my balance [ per 15 USC 1605 ], which means this alleged debt is not the correct amount showing on my Consumer Report. This was not disclosed to me properly. 

This is an official notice to cease and desist collection and communication attempts, and a request to delete all of my information completely from their internal record keeping systems, and any reports made by them in whole, on all applicable Consumer Reports.

Any failure to comply with this request will result in further Administration and Enforcement of all violations of federal regulation.
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. XXXX, XXXX and Equifax continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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. 
- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX XXXX
Product: Debt collection

I received a debt collection notice from both Convergent Outsourcing , Inc and XXXX XXXX XXXX XXXX XXXX on behalf of XXXX. I was surprised to receive this because I've never set up an account with T-Mobile and had never received any kind of billing notices from them prior to receiving the debt collection notices. On XX/XX/22 I called Convergent Outsourcing and notified them that I was disputing the debt. The letter they sent me states that if I dispute the debt they must stop collection until they send me the information that shows I owe the debt. As of XX/XX/22 I have not received any correspondence regarding my dispute, but I have received an additional collection notice that was issued on XX/XX/22. 

When I initially called Convergent on XX/XX/22 they also advised me to call XXXX directly to dispute the claim. I did this on the same day. I spoke with XXXX different representatives and they were unable to give me any information regarding the account and wouldn't allow me to dispute anything because I couldn't give them the pin number associated with the account. As I never set up an account I have no way of knowing what this pin number could be and they did not offer me any assistance with this. I also requested that they reach out to the debt collector directly about this as they wouldn't give me any information. They refused to take the debt collection account number when I offered it. 

I would like confirmation that they will cease all debt collection efforts and that this will not affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine and I do not know them. I am victim of identity theft. This is ridiculous because I have them and they are killing my score and my income. I would like you to remove it forever from my account. 
Thank you!
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 XXXX XXXX XXXX. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THISITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I took out XXXX private student loans several years ago. I had retained an attorney ( see below for address ) who assisted me in paying debts to other loans. In the two year span working with the attorney, they never heard from XXXX. XXXX never returned phone calls, nor could my attorney find out who ( at this time ) actually owned the loan. I was just served with a civil suit for payment which amount and date do not match anything I have on file. The amount and date are not reflected in my credit report either. I don't actually know who owns the loan now and why they waited so many years before filing suit? 
XXXX XXXX XXXX ( attorney I had retained from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Civil Suit : XXXX XXXX XXXX XXXX XXXX/XXXX  justice court Gurstel Law Firm XXXX XXXX XXXX XXXX XXXX, AZ XXXX On the summons it says : XXXX private credit Student Loan XXXX XXXX XXXX Total amount {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company ERC ( Original Creditor : 11 XXXX XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion file number : XXXX Date : XX/XX/2021 has XXXX XXXX showing a balance and there is no balance owed to XXXX XXXX.