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

Today I called Wells Fargo Customer Service, The call was to request a service fee credit of {$10.00}. They approved this and credited my account for {$10.00}. What this complaint is about is that during the initial call they denied my request and asked me twice and somewhat forced me to answer the question that they asked as part of the terms and conditions the customer service representative was reading " we declined your request and I need to know if you accept or decline the XXXX {$0.00} offer. '' This is the most absurd legal question especially for someone who has had {$0.00} cents in my account for 6 weeks and simply called to ask for some leniency on the service fee of {$10.00}. Futhermore, When Wells Fargo or others hacked my accounts multiple times from XXXX, XXXX XXXX, XXXX or internally at WellsFargo. Unsure as my multiple complaints to WellsFargo were unresolved, closed and some monies unreturned and it took several months to resolve the Identify theft. When I was forced to change my username and password I then was forced or asked to accept literally 130 pages of terms and conditions that had links inside to multiple other terms and conditions simply to change my log in and password from identify theft. This I believe is a result of XXXX XXXX and or XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX XXXX or internal folks at WellsFargo. My previous complaints were discussed in detail with Ms. XXXX XXXX, Executive Customer Service ( XXXX ) XXXX about these issues and fraud multiple times. THIS NEEDS TO BE REPOTED TO WELLS FARGO GENERAL COUNSEL. IT IS ACTUALLY LEGALLY FRIGHTENING FOR ME TO BE FORCED TO ANSWER A QUESTION " DO I ACCEPT OR DECLINE A {$0.00} OFFER ''. MY ANSWER WAS I NEITHER ACCEPT OR DECLINE Regards, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019 a fraudulent check in the amount of {$850.00} was taken from my XXXX XXXX XXXX uncles account at TD Bank. His account number is XXXX. This person XXXX XXXX wrote himself a check and forged my uncles name. My uncle has filed a police report and went to the bank many times and still have not received the money back. He has been complaining since last year
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), 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
Product: Debt collection

On XX/XX/2022, I received a credit monitoring from AD Astra Recovery. I immediately sent to AD Astra Recovery Services via Fax and certified mail dispute regarding the validity, inaccurate, and/or unverifiable/uncollectible balances reporting on my credit report. I asked that they cease and desist any further illegal collection activity and I was ignored. It is my belief that this debt is being reported unlawfully and something was not disclosed clearly and/or was misrepresented. 

I do not have any records to enclose regarding this debt to defend my request as nothing has been provided to date to substantiate why I owe this debt. I do not know the account number other than what is on my credit report ; I have never received any itemization of the current amounts reflected re : interest, fees, payments, and credits since the date of the reporting date of this debt. I also have not received any information regarding my debt collection rights.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion.please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I believe these accounts are invalid. DEPT OF EDUCATION/NELNET needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. If they are unable to provide under oath the previously listed items then I require the accounts to be removed from my credit & their records. DEPT OF EDUCATION/NELN XXXX XXXX XXXX
Product: Checking or savings account

I have a checking account with BBT. ( they recently bought a local bank who I never had a problem with ) I looked at my X/XX/17 statement and I noticed a check # XXXX for {$10.00}. I had no idea what that check was so I contacted the bank. I received and email from the branch manager stating it was check XXXX converted. I pointed out to her that if she looked at the statement, check # XXXX cleared for {$10.00} on X/30 and they also took out {$10.00} as check # XXXX. Same amount same business. This is the third time a small amount of a check was converted into a check i was n't familiar with. I asked if the bank was doing this to all customers? Is someone there stealing small amounts of money out of peoples accts in a " converted check '' form? Its only {$10.00} but its my {$10.00} and this is the third time this happened and who knows who else this is happening to. The money is still not in my acct and I have not heard back from anyone. BBT at the XXXX XXXX XXXX PA location was the one I was dealing with and I also emailed corporate.
Product: Credit reporting or other personal consumer reports

In XXXX I filed a complaint to XXXX XXXX regarding the 30 day late they reporting to the 3 major credit bureaus Experian XXXX and XXXX. The 30 day late was due to my credit card being stolen and used fraudulently. XXXX XXXX  disputed the fraudulent charges and reimbursed me those funds since they verified that they were fraudulent inquires. XXXX bank still has not removed the inaccurate 30 day late they reporting to the credit bureaus in XXXX which were a direct result of those fraudulent inquires. Please contact XXXX  bank and finish the investigation and remove that fraudulent 30 day late they are reporting to Experian XXXX and XXXX. That is due to the fraud transactions and I should not be held responsible. If this issue is not resolved I feel obligated to pursue this with legal action. XXXX investigation team please make sure to respond to me with results and don't close this complaint I am submitting without give me results and saying you are working on it because XXXX XXXX  is not helping me and the costumer support they offered me was horrific and I will contact the XXXX  as well. 


XXXX XXXX  reported a 30 day late payment to the 3 major credit bureaus Experian XXXX and XXXX for the month of XXXX of XXXX. Since XXXX of XXXX I was hospitalized due to a terrible car accident which my wallet was lost and stolen. Due to my wallet being stolen my social security number along with all my credit card were compromised and used. There were fraudulent transactions that were done on my XXXX  card from XX/XX/XXXX up until XX/XX/XXXX. I have recently been XXXX a couple weeks now and I have disputed all the fraud transactions. Due the fraud transactions I should not be held responsible for the 30 day late payment and XXXX  should remove it because I did not once get a fraud alert that my XXXX  card was being used without my knowledge. XXXX failed to report fraud transactions to me which resulted in the account to go 30 days past due and report to the bureaus. If this issue is not resolved and the 30 day late payment is not removed from my credit reports I will be filing a law suit against XXXX in the small courts claim where I have all proof to show XXXX is breaking FCRA laws. I have been with XXXX  since XXXX and I have never had an issue such as this. Please resolve this problem in a timely manner. Thank you!
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : [ Mo/yr ]. *Refer to Late Payments Guide* Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :
Product: Credit reporting or other personal consumer reports

I've contacted Experian, XXXX, in regard to incorrect fraudulent information that they're reporting to my credit profile. Both companies have not responded to my request of removing this fraudulent information. 

Acount # XXXX Creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Debt collection

Notice for Proof of Claim for the following Account : XXXX XXXX XXXX XXXX To Whom it may Concern : This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless  it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you  have 30 days to supply these proofs if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XX/XX/2022
Product: Debt collection

On XX/XX/year> XXXX from XXXX called my employer in Alabama and had them contact me in the field negatively dispensing personal business to sour my standing with my employer. Then called again on XX/XX/year> on my company owned cell phone and again XXXX stated he was from pre-legal and threatened to continue calling my employer not personal contact information sources. I told him to send any further communications through the mail. He also stated it was a recorded line raised his voice making threats then hung up.
Product: Credit card

Capital One account issues a 1099c to IRS for an account which had unauthorized charges and never resolve with Capital One Bank and my account balance. Capital One Bank file 1099C without my agreement to file written off debt improper. The account was charged off in 2010 and Capital One written off debt three years of loss and file a 1099C
Product: Credit reporting, credit repair services, or other personal consumer reports

When I tried for Auto Loan in the month of XXXX received in correct or completely controversial or denial from most of the Credit union. The Credit Union did not update my personal information or lack of my information in their data base. This is due to the Credit Union anticipate / pay XXXX $ each month to update my information or might be provided in appropriate information about my Credit-ability. This Approach from all the Credit union made me fatigue because I have been paying my Credit card payments, Auto Loan and other Utility Bills in time without default even after voluntarily contact some of the Credit union like XXXX, Trans union did not provide right Credit ability or the report varies from one Credit union to others. At last XXXX provided me a report that shows I am victim of identity theft and hence agencies place " fraud alerts '' in my file Who is responsible for this? Now a days there are significantly increasing Cyber Crime and could you please investigate on my behalf and take Stringent Action against the Fraudulent who theft my Personal information. I hereby Authorize to take necessary Action against Fraudulent.
Product: Credit reporting or other personal consumer reports

Hello, I got notice on my credit score that you guys reported my credit card, and my score went down XXXX points. on all the credit reporting agencies. I was told my score would go down a couple of points. And it did the XXXX time, now it seems like you guys did it again. And now it went down XXXX points. You guys lied to me, and this needs to be fixed. I am trying to get a home, and this sent me back months.
Product: Credit card

I moved from XXXX to XXXX. I had sent request to post office to forward all my mails to new address. I was getting letters from everyone, and many automatically updated my new address. I never got any letter from Macy 's /Citibank Credit Card XXXX I bought something for {$20.00}, and after 6 months with all late fees and interest Macy's/Citibank is asking me to pay {$230.00} XXXX 10 times XXXX. I asked them to settle this and only thing they are offering is removal of XXXX late fee of {$35.00}. I would be happy to pay {$20.00} + Interest. I would like Macy 's /Citibank to remove all late fee charges.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX XXXX  Account # XXXX ) ( ATTORNEY GENERAL Account # XXXX ) ( ATTORNEY GENERAL Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; In ADDITION : XXXX has been ignoring my request to remove all fraud inquiries listed that has not been made by me, which is harming my credit being a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

We paid our mortgage for the month of XX/XX/2018 ON TIME, however, Equifax has it listed as 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently checked all three consumer reporting agencies and notice PLENTY of inaccurate and false information on my credit report. Yes i have tried to send you all mail on all inaccurate information on my report but I have nit seen any changes or receive any mail back from you all in the past 30 days. These inaccurate reports I believe was one of the reasons I was denied XXXX XXXX XXXX  and can not get approved for a home for me and my family. These bureaus are required to report 100 % accurate information across the board or it must be deleted .Also I am highly aware that majority of these accounts do not have my written permission or a signed contract with me so they are all considered fraudulent and have stolen my identity. So not only are you all reporting false information it is also fraudulent information that must be removed from my report or we can go a step further and file a lawsuit and receive {$1000.00} per violation under my civil liability law.I would like to be treated fair and request that all accounts be removed from my consumer report being that they are third parties with NO business with me and will handle that accordingly as well. 

I know that under after any reinvestigation of any information disputed by consumer ( ME ) an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agencies shall promptly delete that item of information from the file of the consumer and if you are unable to provide me a copy of verifiable proof within 15 days after the reinvestigation you must remove these accounts below. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX
Product: Payday loan, title loan, or personal loan

Hi it was been almost 6 months I am involved with a item from XXXX for {$1300.00} under credit card PayPal which working together Synchury bank. I explained to them that machine was broken and they must refund the items money to their account but they kept me away from issue by telling me wait wait we put dispute and they are under wastage. I wait and called every months three times. Again and again PayPal credit and Synchrony bank belam each other and said to me its our not responsibility its synchrony bank responsibility and they said its paypsy ctedit responsibility. When I call to them two employees answer my phone and said already refund its here and money its here in your account but when she connected me to manager he yelled in me and said who said that the money refund and disrespectfuly shut the phone on me and didnt call back to say sorry for disconnecting. He said you must wait for another 90 days because the case its under vastagation. I wait and I wait another months I called again one day they said money its here but its takes time to go to account. You must pay your regular payment until this issue solve. I called to XXXX XXXX the place that purchased. I connected to him and he said already this money deducted from our account. But PayPal and synchrotrony bank dont want accept this I attached his email. They ended up that case its under favor of seller while seller says they already deducted money. Now they not okay deducted their money and its in their account but also ended up case to seller favor and put me under charge for {$1300.00} while I called many times they said you must wait 90 days passed from dispute they kept me away to finished the process and close the case. Because I cant rich my voice to any responsible person. They taking of my language when I called as second language.please support me help to stand up for my right because I am against two powerful business companies that taking of my language and since I am woman they not listen to my voice. Please help me while seller get back his item and bank get back money in their credit company and bank they want charge me for nothing.
Product: Bank account or service

Chase closed my account over the weekend ( non-business day ) and is holding my funds without explanation. Today, XXXX XXXX, I walked into the branch and they did n't disclose information about the status of my account and I was told that they were n't able to release my funds to me. I always deposit my checks inside the bank and keep a regular balance. I 've never over drafted and I was never charged a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collections account show up on my experian credit report that is not mine. When I disputed it they sent me info with the wrong name. They claim they have verified the account which is impossible since I never opened an account with XXXX XXXX, they dont service my area.I dont understand how they can verify my account when they dont have my name correct. I have a spotless record of no late payments for 20 years and this XXXX dollar collection account that is not mine is now adversely affecting my credit.