23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Experian : Thank you for deleting some of the accounts which falsely appeared on my credit file, I still firmly challenge the following remaining files. These files are still being reported incorrectly and are extremely harmful to me. In accordance with the Fair Credit Reporting Act, Section 1681i, I demand that you REEXAMINE these accounts and clear them from my credit file. 
XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX Furthermore, I would like to know how you verified these items including the names of the individuals you spoke to for verification, along with their addresses and phone number so I may follow up with them as well. 
Thank you, XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX
Product: Credit card

On my payment due date of XX/XX/XXXX, I noticed my automatic payment for the previous month on XX/XX/XXXX, got returned. I promptly made a payment for XXXX and XXXX, totaling {$68.00}. I made the payment to come out of my XXXX XXXX XXXX account, which I have been using to automatically pay my monthly balance since XXXX, with no problems or late payments. I have had this card since XXXX and never had a late payment. The payment reflected on my statement as processed, and my available balance was positive and I even used the card for a purchase of {$16.00} which I would have not been able to do if I did not make a payment. However, on XX/XX/XXXX, my bank returned the payment. Upon speaking with a Capital One Representative, I was told the code they had for the returned payment was that the customer asked the bank to stop the payment as it was unauthorized. I never contacted my bank to stop the payment and they did so without my permission, resulting in a late payment. When I paid my monthly automatic payment on XX/XX/XXXX, the same issue occurred, resulting in another late payment. On XX/XX/XXXX, I made a payment of {$160.00} for all the payments which were wrongfully stopped by my bank. Initially, the payment reflected as processed and my account had a positive available balance. However, 9 days layer on XX/XX/XXXX, my bank returned the payment again. When I spoke to a Capital One Representative, I was told my bank yet again gave the same reason for the returned payment to Capital One being that the customer asked for a stop payment, which I absolutely did not do. Upon contacting my bank, I was told they could not find any record of any of these transactions even though they are on my Capital One statements. These wrongfully returned payments resulted in Capital One closing my account and issuing me another late payment even after closing my account although I made a payment and was initially led to believe it successfully processed. I am filing a dispute as XXXX and Capital One have told me despite my bank wrongfully returning the payments and having no record of doing so, there is nothing either branches can do for me and my credit score is being harmed due to wrongful information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been personally fighting against identity theft for almost 5 years and have had fraud on my credit for almost 10 years now. 
I have successfully disputed almost all fraud accounts on my report but my identity identifiers that all the credit report companies use are STILL mostly about persons that is not me. 9 times out of 10, all the accounts mentioned in the verification questions consumers have to answer to verify their identity are from the fraud accounts that have long been taken off my credit report.

Just recently I learned that my credit report is very likely being mixed up with another person who has the same name, same birth year, and lives in the same state as I. Credit reports and background checks are showing personal information of the other person, cars that I don't own, relatives that aren't mine, medical bills and utilities that aren't mine.

I have submited numerous disputes, notifying credit reporters of the issue with my identity verification questions. The questions may get more accurate for a moment or two, but they always seem to cycle back into fraud accounts and fraud deatils about my life as basis for the questions.

I have never been able to see the official dispute reports since the verification questions will prevent me from loging in and viewing the results. Half the time I can't even start a dispute because either the website wont work on my phone ( my phone is only access to Internet ) or my user account gets blocked since I failed the verifications. I have requested many times for an official dispute history report so I can have it for my records and have the information on the fraudulent accounts and personal data that could help catch the persons using my identity for their gain. I have never received a response.

I have called many times with next to no assistance, on hold for 2+ hours or being transferred over and over untill I get too frustrated and hang up. I have requested fraud alerts on my credit to last 7 years only to find out a temp 6 month alert was placed instead.

Accounts I dispute and have taken off my credit successfully, will suddenly reapear on my credit. Sometimes under a different collection agency or a slightly different original crediter name. All of my student loans are reported twice on my credit and not resolution ever happens when I dispute it since my student loan collection agency is not a big fan of me since I have submitted many complaints of their collections practice. A couple of fraud accounts still on my report will up the debt balance EVERY WEEK I feel as I have received next to no support or real assistance at all with my identity theft problem. Dealing with all the credit report agencies is like pulling teeth.

I just want some actual answers and assistance with this matter. Identity theft has already crippled my credit, finances and education. I just want some help so I can finally start living my own life.
Product: Checking or savings account

It has been months since the original account. My funds were frozen because of fraudulent activity. I can't get at the money in account, however they still charge for overdraft fees which are added at least once per week. I owe well over {$100.00} in overdraft fees. I would just like them to close all the accounts and pay me out the funds that are in the account. The bank has never called me. Very poor customer service. When I try to reach out, everyone has a different story about the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : 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 XXXXXXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Checking or savings account

XXXX XXXX, 2023, I sent a wire transfer from my Wells Fargo account to my wise transfer wise ( wise ) account for {$5000.00}. The money left the Wells Fargo account but didnt receive any payment to my wise account. So I called customer support and they said that the transfer was not submitted. I know I hit submit because I had already add my wise account as a payee before sending it and I saw on my notification I received a payment and then it disappeared. Now both accounts are closed and no access. XXXX XXXX  account was tracking well Fargo until they stopped allowing access and shortly thereafter closing the account with no further explanation or accessibility to the account. Also wise should not have been given access to make transfer payments for the account. As well as the XXXX account had a reoccurring payment of {$500.00} and a returned transfer to another account that was unpaid
Product: Debt collection

The original account was with XXXX over 7 years ago. When the account was closed, the remaining balance was credited and was left with a XXXX balance. This account was removed from XXXX, but is still being reported by XXXX and XXXX. This account is more than 7 years old and I am no longer liable for this account as it was paid prior to going to collections with Trident. Each time that there is a new acquisition of XXXX  accounts, this account keeps getting transferred instead of being formerly closed out. I have never had an account with Trident Asset Management and this should be removed from my credit report as it is infringing on my rights to Fair Debt Collection practices. This account appeared on my credit report in XX/XX/XXXX ( never reported prior to this time ) and when I noticed this old debt I contacted the agency to remove. It was agreed that they would remove it, but the debt keeps appearing on my credit report. I contacted the better business bureau and they have sent on XX/XX/XXXX and I also spoke with their representation onXX/XX/XXXX I escalated the call to the manager of the rep as she was unable to produce information as to how my credits were applied ; she advised that this debt was merely validated. I asked for an explanation of charges and this was never produced. This debt is too old to report and should be removed from my credit report instead of keep getting sold to additional credit collection agencies. Please have the company update the records and remove from my credit report.
Product: Debt collection

I am writing to request validation of the debt you claim I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ). I received your communication dated [ insert date of the notice ], which states that I owe a debt to turner acceptance. 

Please provide the following details for verification : The amount of the alleged debt. 
The name of the creditor to whom the debt is owed. 
A detailed explanation of the charges and any supporting documentation showing that I am the responsible party for this debt. 
A copy of any judgment ( if applicable ). 
Proof of your authorization to collect this debt on behalf of the creditor. 
Please provide this information within 30 days of receiving this letter. Until the debt is validated, I request that you cease all collection activities, including reporting this debt to any credit bureaus. 

Thank you for your cooperation.
Product: Mortgage

XX/XX/2023, @ XXXX sent an email to westar mortgage to change my payment amounts for my XXXX home loans. XXXX & XXXX. I asked that payments be taken out bi-monthly ( every other week ). Any overpayment is to go towards the principal. 

Loan XXXX is set to draft on XX/XX/XXXX and XXXX for {$1700.00} each. 
Loan XXXX is set to draft on XX/XX/XXXX and XXXX for {$2400.00} each. 

Payments for loan ending in XXXX was set up correctly. 
Payments for loans ending in XXXX, are not being applied correctly. The overpayment was to go towards the principle they are applying to future payments. I have asked several times for them to correct it. They are now telling me that they can't take out bi-monthly ( they are still debiting my checking acct bi-monthly ) and say they can't put towards the principal ( they are doing it correctly on the account ending in XXXX ). I have had several instances where my payments were posted incorrectly. I have had soo much trouble with them posting things. I can't get statements online. Their statements are confusing. I would like a full audit of my accounts.
Product: Credit card

On XX/XX/2023 I contacted American Express via the chat to ask about a retention offer with my American Express XXXX XXXX XXXX. I was told that I would receive XXXX XXXX XXXX points after I spend {$3000.00} with 90 days. I spend the amount within the time line. I was told on multiple times that I would receive the points as they could see that I had made the spend requirement. After 3 months I called again to which the supervisor told me no such offer had been sent to me for acceptance. I explained that I had the chat history to show who and when this was completed. They opened a case and then today I was told that the case was closed as I had not been offered such a case. I have included the chat pics that was from that day of XX/XX/2023 where in fact the person offered and I accepted the XXXX points with the required spend. It also shows where the offer has been " added '' to my account.
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 XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX  # XXXX 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: Debt collection

Waypoint has a debt on my credit report XXXX $ When I called for a letter never came 3 months ago Called waypoint again and they want to change XXXX dollars months to get it of my credit this not a debt I owe it been on my credit for 4 years they said they dont know who the creditor is waypoint collection group Thank you
Product: Money transfer, virtual currency, or money service

Bank of America has been holding my direct deposit from my employer for 4 business days, claiming that the deposit was on hold due to my account 's " history of overdrafts ''. I was promised that the funds would finally be released tomorrow, a week late.
Product: Credit reporting

For the past several months, I have been disputing several inaccuracies that are Hsted in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Equifax Account Name : XXXX XXXX Account Number : XXXX Bureau : Equifax Account Name : XXXX XXXX Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : XXXX XXXX Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX
Product: Debt collection

i sent a dispute letter to south ms collection on XX/XX/2020 for an alleged debt of XXXX that i don't owe to Ms. XXXX XXXX .I have attached the letter to the complaint of the information that I am asking to resolve this problem.
Product: Mortgage

I recently went through a chapter XXXX bankruptcy that has completed and is being discharged in the next month. I have 2 loans on my home. One for XXXX and a smaller loan for XXXX through a company called XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX I was instructed by the trustee in our chapter XXXX case to contact the mortgage company for future payments. I have done so, but they will not tell me what the balance is, what the payoff amount is, or anything else, they only give me the option to pay on their website, and have cussed at me and my husband on several different occasions, hung up on us, and refused to send any statements to my home. I have not received any correspondence from them over the last 5 years, and have requested it in writing 6 times now. Each time I have complied with what I am asked to do, and each time I am refused information on my mortgage loan. I'm starting to think that the loan may be paid in full by now. We paid XXXX in arrears, and XXXX in principal on the loan for a total of XXXX. I just want to know if I have a balance left so that I can pay it off in full, or if the loan is already paid in full, as the initial loan was only XXXX. I can't get a straight answer from their company, as soon as I give them my mortgage account number they either put us on hold, for 20 min., sometimes as much as 45 min. at a time ( hoping we'll hang up ) or get viciously nasty spewing expletives, and hang up on us for asking about the account. I'm very confused by this behavior, and just want to know if I owe anything more on the account, or if it's completed.My mortgage account number is There is one additional phone number for them. 
( XXXX ) XXXX ( Phone ) Thank you! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of renovating my home. I wanted to take out a loan but I checked my credit report before doing so. I noticed some items listed on my credit report that I never gave consent to. 
XXXX XXXX my credit was ran without my knowledge or consent by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my credit was ran without my knowledge or consent by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Money transfer, virtual currency, or money service

Deposited {$7400.00} to buy bitcoin and can not cash out after selling it. Account is restricted for over 30 days now. No explanation is given as to why and no time frame for a resolution is ever met. They keep moving the goal post.
Product: Payday loan, title loan, or personal loan

Received an email about act XXXX from a debt collector saying they want XXXX Or they will garnish my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. This is my official statement about the crime. Contact Information FTC Report Number : XXXX Name : XXXX Middle Name : XXXX Last Name : XXXX First Email : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX USA Personal Statement Phone : XXXX I went over my credit car bureaus info and I fond that someone had used my personal information to get credit cards and to lease car as well. My personal information was use to open this accounts. 

XXXX XXXXXXXX XXXX  XXXX # XXXX amount : {$600.00} XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX amount : {$2400.00} Accounts Affected by the XXXX XXXX  Auto Loan or Lease Company or Organization : Account Number : Date fraud began : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$10000.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date XX/XX/XXXX XXXX XXXX XXXX
Product: Consumer Loan

HelloMy name is XXXX XXXX XXXX complaint is with Equifax Credit continuing wrong information on mywife XXXX XXXX and my own credit report.We have filed bankruptcy XXXX of 2014but reaffirmed our auto loan with XXXX XXXX bank of XXXX, NH and have not missedone payment with them I have put in XXXX disputes with Equifax and have spoke to XXXX XXXX and they have notified Equifax of the correction but have refused to change the status of our credit reportThe other XXXX credit bureaus have made the the correction with our reports but not Equifaxany help with this problem would be appreciatedXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers. Credit card numbers for about 209,000 consumers were also accessed. 

Equifax uncovered the breach on XX/XX/XXXX but did not announce the breach until XX/XX/XXXX. 

My personal data is amongst those that were accessed during the breach.
Product: Checking or savings account

On XX/XX/XXXX Wells Fargo closed my account after a {$60000.00} check deposit from a large gambling win, I attempted to deposit the check I on XX/XX/XXXX. I have receipt. On XX/XX/XXXX {$5000.00} of the {$60000.00} was supposed to be available to withdraw, I attempted to do so and was told there was a hold on the account. Checking e-mails later I saw more details. 

I've called the company twice to try to expedite the process of receiving my money, I've went into a physical branch once to try to expedite the process. Neither have done anything. I've also tried to create notice on social media ( XXXX ), no progress has been made.
Product: Mortgage

I was doing business with XXXX XXXX at Envoy Mortgage. We spoke on the phone and locked the rate at XXXX at pricing XXXX. There was a fee of 2.48 % for prepaid mortgage insurance and the difference of XXXX was supposed to come back to me to use toward closing cost. At the last minute when the closing disclosure was sent the fees looked off and I did not see the credit of XXXX ( roughly XXXX dollars, I can provide exact amount ) on the deal. When questioned about XXXX stated he made an error in the fee that was quoted and it was actually XXXX higher which would bring it to XXXX. This was brought to my attention right before signing loan docs and I had no choice but to sign to ensure that I would have a house. Even with XXXX 's error that still leaves XXXX ( about XXXX dollars ) in missing credits. XXXX also stated he gave me a XXXX credit which he matched the offer from the builder 's lender. He stated he left off fees as not to list them. In my eyes XXXX still owes me XXXX in seller credits based on the facts that I have.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and identity theft. As a result, the following unauthorized inquiries and accounts have appeared on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the listed accounts and inquiries from my credit report immediately. 
Unauthorized Accounts and Inquiries : 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 EXPERIAN BUSINESS CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Capital One BJs Mastercard has charged my account {$160.00} in interest and {$40.00} in late charges this month. 
I am having difficulty and Capital One did not offer any resolution that is acceptable. 


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