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

On XX/XX/2020 XXXX, I noticed a fraudulent transaction in my Wells Fargo account. It was an Online BillPay transaction in the amount of {$3000.00} sent to a XXXX XXXX XXXX credit card ( last few digits available upon request as they are shown on on my transaction history ). As soon as I noticed the pending transaction, I called Wells Fargo to file a claim ( # XXXX ). Wells Fargo said it would take anywhere from 10-15 business days to process the claim. The Wells Fargo agent closed my online account and checking account and opened up new accounts for me ( new online account as well as new checking account ). On XX/XX/2020, I noticed that the {$3000.00} transaction credited to my new checking account. On XX/XX/2020, I noticed that the {$3000.00} Online BillPay to a XXXX  XXXX XXXX account had posted to my new Wells Fargo checking account, effectively removing the {$3000.00} credit ( or what seemed like a credit ). On XX/XX/2020, I received a letter from Wells Fargo requesting I fill out and return an " Affidavit of Online Fraud ''. I did so immediately. On XX/XX/2020, I called Wells Fargo to inquire about my claim and was told that the claim is currently pending. On XX/XX/2020, I called Wells Fargo to inquire about my claim and the agent I spoke with said that the claim is closed, but that there was no verdict. She mentioned that the case files said " resolution status : successful resolution '', but no determination as to whether or not the amount of the fraudulent transaction will be credited back to my account or not. Because of this lack of verdict, the agent opened up a new case for me ( # XXXX ). 

I have also filed a police report with the XXXX Police Department. The police report number is XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim XXXX XXXX XXXX XXXX, these accounts are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, On my XX/XX/2022 I notice you still have not added a credit card account that I have had since XX/XX/2022 - with XXXX XXXX XXXX XXXX  I want this account updated so it accurately shows on my Equifax report - this was opened 55 DAYS ago. 

Enclosed with this complaint is : - my drivers license - my social security card - my mailing address - my written complaint - my XX/XX/2022 credit report from XXXX XXXX XXXX - my last 2 credit card statements with XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX wireless is reporting a delinquent/unpaid account on my credit report. This information is erroneous as this is not my account. Im not certain if Im a victim of identity theft. According to my credit file, the account was opened XX/XX/XXXX but sold to XXXX XXXX XX/XX/XXXX. Both companys are reporting this on my credit report. The amount is for {$2000.00}. I would like some kind of proof that this is my account. I have already disputed these items.
Product: Checking or savings account

I had a 5 year CD at Ally Bank that matured on XX/XX/XXXX. I did not want or agree to have this CD renewed. Ally Bank automatically renewed this CD for another 5 years through XXXX so they have locked up my money instead of transferring it to my savings account. Ally Bank wants to charge me a {$150.00} fee to get my money from the CD maturity transferred to my savings account.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Equifax for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am filing a formal complaint against Equifax Information Services LLC for its failure to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to delete inaccurate collection information from my credit report. This same collection account has already been removed by XXXX and XXXX after my disputes, yet Equifax continues to report it inaccurately. 

Details of the disputed account :. Collection Agency XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Creditor Original Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem Summary Equifax is inaccurately reporting this collection account on my credit report, which violates the FCRA. The creditor has failed to provide verifiable evidence to substantiate this debt, as required by law. 

Specific Violations of the FCRA 1. Section 611 ( a ) ( 1 ) ( A ) : Equifax is required to investigate and verify disputed information within 30 days of receiving a dispute. This timeframe has elapsed, and no valid evidence has been provided to substantiate this account.

2. Section 609 ( a ) ( 1 ) ( A ) : Under this section, I have the right to receive complete and verifiable information about any item reported on my credit file. Equifax has failed to provide such documentation, demonstrating that the account lacks a legal basis to remain on my report. 
3. Section 623 ( a ) ( 1 ) ( B ) : The FCRA mandates that furnishers of information ensure all data reported is accurate and complete. Equifaxs continued reporting of this account, despite its removal by XXXX and XXXX, indicates a failure to uphold this responsibility. 
4. Damages : The presence of this inaccurate account has caused financial and emotional harm, including damage to my credit score and denial of credit on favorable terms.

Requested Action by the CFPB I am requesting immediate intervention by the CFPB to : Direct Equifax to delete this collection account from my credit report. 
Ensure Equifax complies with the FCRA and takes responsibility for its handling of this and future disputes. 
Investigate Equifaxs negligence in this matter and impose sanctions if necessary.
Product: Debt collection

Trek collection has placed a collection on my credit reports. I have never been contacted or receive any notification from this company, XXXX is there contact #. This and other numbers are not in service. I have not record of any kind from this company. This was placed on Credit report during Covid-19 pandemic. After many attempts to contact company and dispute with credit companies it still remains. 
The phone number is disconnected
Product: Credit reporting or other personal consumer reports

Improper use of your report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX The above has violated my rights. 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: Student loan

I am not sure if my Loan through Navient is a federal or private loan but while reviewing the National Student Loan Data System I can see only two of the 5 loans I received which is an FFEL Stafford subsidized and non subsidized. The problem I am having is with Navient and XXXX XXXX XXXX is who they use to service the loan. I applied for forbearance the first week of XX/XX/XXXX and submitted all information required in a timely manner. I did not hear back from XXXX for a month and a half. During that time I made two {$20.00} dollar payments instead of the usual {$98.00}. I spoke with XXXX XXXX and advised I would make payments as I could but they still asked for {$140.00} for the next three months until the account is current again then and only then can I re-apply for forbearance. Keep in mind that I have made my monthly payments for the past six years without an issue. My financial situation has changed and Navient is not willing to work with me on this issue. I was advised to contact you by attorney XXXX XXXX of XXXX XXXX on behalf of the Project For predatory Student Lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On  XXXX / XXXX / XXXX , I was trying to settle my charged-off student loans with  XXXX  ( formerly  XXXX   XXXX   ).  Because the of the account status,  XXXX  would not speak to me directly and my calls were automatically forwarded to  XXXX   XXXX   XXXX  (   XXXX   ), their third party debt collection agency. On that date, they offered me a {$18000.00} cash settlement to close out the account, which I was unable to pay so they agreed to monthly payments in the amount of {$250.00}. On  XXXX / XXXX / XXXX , after making all my payments on time, every month, with no issue, I had saved enough to settle the rest of the account and called  XXXX . I spoke with  XXXX   XXXX , a manager, who assured me that if I paid the {$14000.00} that my account would have a {$0.00} balance and  XXXX  would update my credit reports. So I paid the {$14000.00} and was provided a reference number of  XXXX . I received the settlement offer and a {$0.00} balance letter in writing showing that my account was settled in full. I let a couple months go by and my reports are still not updated. I submitted disputes to all  XXXX  credit bureaus on  XXXX / XXXX / XXXX  and it 's still showing that my account is charged-off, with an open balance, a past due amount and payment terms after the investigations were completed. This is not right. I settled these accounts so I could improve my creditworthiness and now it 's almost as if I never made the payment. I even had   XXXX   re-report that the accounts were 120 days past due on  XXXX / XXXX / XXXX  when I had already settled the account 45 days earlier. Can you please help? I do n't know what is happening.  XXXX  had to get approval from  XXXX  to settle on the account so I do n't understand why they are not updating all of my reports.     I 'm attaching the settlement offer as well as the {$0.00} balance letter for your review.
Product: Credit card or prepaid card

Well in a nutshell the problem started in XXXX when Amex lowered my credit limit from XXXX $ to XXXX . My account was paid in full and never had a missed a payment. I've been a member since 2017 and have a fico score over XXXX. Their reasoning for the XXXX THOUSAND dollar reduction in my limit was because of a soft inquiry from XXXX..initiated by them not me. 
I find this to be fraudulent and having to do more with covid-19 and a possible credit rush than me and my situation. If anything my credit is better now than in 2017.
Product: Debt collection

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX  XXXX Date Open : XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX.
Product: Credit card or prepaid card

I called XXXX XXXX earlier this evening, issued by Capital One, to request a settlement offer if account paid in full. I was put on hold by rep, another rep by the name of XXXX then got on the line, put me on hold again to check if account is eligible for such request. Both reps appear to be outsourced from a foreign country as most companies like to do. The call cut out before XXXX got back on the line after placing call on hold a second time. I am facing financial difficulties due to pandemic and a settlement offer would be appreciated
Product: Mortgage

XXXXloancare purchased my account from stongate mortgage. My payment was XXXX with taxes, interest, and principal. Insurance is paid in full and not inside the payment, as per the closing Docs. Upon purchasing my loan. loancare autodebited the right payment, and then then immediately raised the payment to XXXX the escrow being taken out was XXXX every month. The total expenditures from that escrow account are XXXX per YEAR. I applied for a another mortgage on a different piece of property and put my current obligations as a XXXX mortgage payment. when they asked for proof and I went into my loancare I realized that they had been debiting my account and extra XXXX for a couple of months now. I reached out to them numerous times to fix this, and even helped trace the error. Numerous times I was told that they would fix within 48 hours and drop the payment down to normal. Its been 3 weeks and nothing. When I requested an email or something in writing to show the bank that Loancare was in fact in error and they will fix it, so they do not think I lied on my mortgage application, they refused. I have a {$10000.00} deposit at risk, and I will probably lose my approval because it looks like I lied to this bank. The last person I spoke to was XXXX XXXX ID XXXX who refused to allow me to speak to a supervisor and refused to let email me anything to explain the situation to the bank I was applying for a mortgage with. That 's a big loss for a family to take because of an accounting error on their part.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Breakdown of Fees and Debt Validation Dear CFPB Representative I am writing to formally dispute a debt that I believe is inaccurately represented by XXXX XXXX XXXX XXXX I request a detailed breakdown of the fees, charges, and interest associated with this debt, as well as a copy of the purchasing agreement that outlines my obligation to repay this debt Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt, which includes the precise amount owed and a detailed accounting of any fees or interest that have been applied. Specifically, I am requesting the following XXXX. A comprehensive breakdown of the principal amount, interest charges, and any additional fees that have been applied to my account. 

XXXX. A copy of the purchasing agreement or contract that substantiates my responsibility for this debt. 

XXXX. Any documentation that confirms the legitimacy of the charges and the entitlement oXXXX XXXX XXXX XXXX XXXX to collect this debt Additionally, according to the Truth in Lending Act ( TILA ), I am entitled to clear and accurate information regarding the terms of the credit extended to me, including all fees and the total cost of credit. 

I would like the requested information within XXXX  days of receiving this letter.
Product: Mortgage

I set up auto-pay option on my account with the help of an account representative. I was allowed to select a payment date of the XXXX date of each month and was assured that was within the grace period. 3 months later, I noticed that I 've been charged late fees for each of the last 3 months. I have received XXXX notifications, either through the secure message part of the website or via e-mail.
Product: Checking or savings account

My account was closed by the bank many weeks ago, and until now I didnt receive any letter, communication, or something from the bank. Also they didnt send me a check with the amount I have on the closed account.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with experian to delete all inaccurate data that is holding my file down. this issue has hurt my credit report hard. none of my information is validated or correct. please review an delete all information that is processed to clean my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOANS OR LEASES 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

I previously complained about bank of america about the reporting on my discharged accounts during and after my bankruptcy.They agreed to remove the negative remarks they were showing that were in addition to the bankruptcy notation.Now once again they have added those remarks back.They have my account marked as discharged in bankruptcy, but then under history through XXXX they say ( late 90 plus days ) 1 time in the month of discharge.Then under ( worst delinquency ) collection.No discharged loan can ever be late or be in collection by federal law.Also they previously agreed to remove these marks on other complaints
Product: Debt collection

I have asked Midland Funding to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. please remove accounts : 1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

3. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX 5. Identity Theft XXXX  XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information on my credit report, and I found the following unauthorized credit inquiries made by the following companies. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX These inquiries were made without authorization and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C 1681 Section 604 of the Fair Credit Reporting Act.