23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I have several Savings, Checking, Trust accounts, and a Secured Card at Wells Fargo bank. I transferred funds from one of my Wells Fargo accounts having over $ XXXX to the secure card. The card was paid in full. The next day at XXXX, I attempted to use the card and it was declined I contacted Wells Fargo all the way through to Executive management. They informed me that due to an overdraft fee ( for which I have already paid ) that they could not tell me when funds would be available. I have been caught in a bind with a card that will not work, for which I have paid for, which is secured with my own funds, within the same bank. What is my legal recourse.
Product: Checking or savings account

Institution offfering banking services : SQUARE INC C/O SQUARE BANKING The problem is this company has offered me banking services, which include a checking and savings account. I make use of the checking account services offered by SQUARE. On XX/XX/ I requested standard monthly banking statement including the following first and last name, the account number associated with the checking account. 

It was explained to be by the SQUARE Representative that the company does not provide such documentation. Considering I pay a banking fees associated with the service, it is not clear to me why SQUARE INC. would not be able to provide consumers with documented proof of being a legitimate checking account holder. 

Not having a bank statement has put a halt on my ability to conduct other business in other areas. 

Please help.
Product: Credit reporting or other personal consumer reports

My account with PRESTIGE FINANCIAL SVC was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNKNOWN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX  Employer ( s ) : XXXX XXXX Phone number : ( XXXX  ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Identity Theft Report Identity Theft Complaint and affidavit Police report Proof of identity : a copy of my drivers license
Product: Credit card

I applied for an XXXX XXXX credit card with Citi Bank because I received an advertisement saying that if I were instantly approved my check bags would be free. I applied for the credit card, was instantly approved, and received a pop up saying to close the window and the price of my bags would be adjusted to {$0.00}. I followed the instructions, but was still charged for the bags. I called Citi bank and spent over half an hour trying to navigate their automated system before being put on the line with someone who was extremely rude and told me that I was wrong. She said that in order to receive the free bag I needed to have purchased the flight tickets with the card, I tired to explain and even read her the promotional offer that emphasized that my bags for this flight would be free, but she just kept telling me I was wrong even though I had screenshots of the terms. I asked to speak with a manager and he was just as rude and told me I could physically mail them the screenshots for review if I wanted. The manager ended up closing my card after insisting that I was wrong even though I was reading him direct quotes from the advertisement. After my trip I called XXXX XXXX to request that the bag fees be refunded and they said they couldn't because my card had been closed. This whole process is manipulatively deceptive and it's clear that they make the promised rewards incredibly hard to received.
Product: Checking or savings account

Back in XXXX of XXXX USAA closed my checking account. Its XX/XX/XXXX now and I receive a XXXX  debit cancelation of date XX/XX/XXXX for the amount of {$1600.00}. The account is closed done not active no longer have a debit card for the account. Yet usaa excepted retro pay from my VA XXXX compensation and pension claim on XXXX XX/XX/XXXX ( yet the account is closed or they told me it was ). Usaa is now holding my funds and will not release them. Saying I owed money from an account they sent me a XXXX for  debit cancellation on and I filed with my XXXX taxes. Usaa is disrespectful to XXXX veterans. Why would you take money from and struggling XXXX veteran. I left usaa years ago for this very reason they dont care about the consumer. Usaa I want all of my money back and since this is the only way to not wait 45 mins to speak to someone I will write a complaint daily that you yall are committing tax fraud and stealing money from XXXX veterans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sick ad tired of XXXX XXXX and XXXX Portfolio Service attacking me on a fraudulent account that doesn't belong to me. Why  are these companies are able to get away with strongarm robbery? They will not do a debt validation and justify a senseless criminally collection practice. It is illegal and unjust. They are very aware that I am attempting to get a V. A. mortgage and using thuggish tactics against me. Forget about I am a Veteran and a XXXX  XXXX  XXXX  Member since they are trying to collect a DEBT doesn't belong to me. I will NEVER pay a debt that doesn't belong to me. I am asking CFPB to file a suit against both companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX/ $ XXXX XX/XX/XXXX XXXX  SELF REPORTED XXXX $ XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XX/XX/XXXX XXXX  XXXX XXXX $ XXXX XXXX XXXX  XXXX $ XXXX XX/XX/XXXX XXXX XXXX- XXXX $ XXXX XXXX XXXX XXXXXXXX $ XXXX XX/XX/XXXX XXXX XXXX  XXXX $ XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these accounts XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$31000.00} ; XXXX XXXX XXXX Balance : {$27000.00} ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX   XXXX {$6300.00} XXXX   XXXX {$760.00} XXXX XXXX XXXX {$63.00}
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Deletion of Inaccurate Information Account Name : XXXX XXXX XXXX XXXX number : XXXX Dear Experian and CFPB, I am writing to formally address several misleading, outdated, unverified, and inaccurate entries in my recent credit report. These discrepancies not only misrepresent my financial history but also jeopardize my creditworthiness. I request immediate action to rectify these issues and delete the erroneous account information from my report. 



The following inaccuracies have been identified in the report : 1. **Ambiguous and Misleading Information** : The report fails to provide clear details regarding critical fields, such as " Date of Last Activity, '' " Account Rating, '' and " Description. '' The lack of transparency and clarity can mislead consumers regarding their credit status and obligations.

2. **Outdated Data** : The report indicates a " Date Reported '' of XXXX  yet does not specify the date of last activity, which is crucial for understanding the current status of the account. This outdated information can lead to incorrect assessments of my creditworthiness and violate the Fair Credit Reporting Act ( FCRA ). 



3. **Inconsistent Account Details** : The report lists an account with a balance owed of {$0.00} and indicates it as " Derogatory. '' This contradictory information creates confusion and raises questions about the accuracy of the report. Additionally, it mentions " Closed '' and " Collection, '' yet fails to provide a clear history of the accounts status.

4. **Vague Payment History** : The two-year payment history is unclear, with references to " OK '' and " 150 '' without context. This lack of detail prevents me from understanding my actual payment behavior and impacts how my creditworthiness is perceived. 



5. **Consumer Rights Violations** : The inaccuracies in this report violate my rights under the FCRA, which requires that consumer reports be accurate, complete, and up-to-date. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) entitles me to dispute any inaccuracies and seek proper validation of reported debts. 



Given these significant concerns, I kindly request that Experian take immediate action to investigate these discrepancies, correct the inaccuracies, and delete the erroneous account information from my credit report. The presence of these inaccuracies poses a detrimental effect on my financial health and undermines my trust in the credit reporting system. 



I expect a prompt response and resolution to this matter. Thank you for your immediate attention to my request. 



Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following account completely from my Credit Reports : XXXX XXXX XXXX XXXX {$49.00}
Product: Debt collection

XX/XX/year> Re : XXXX XXXX XXXX ss # XXXX ( Address listed at end of letter ) Your acct # XXXX Dear Waypoint Resource acct # XXXX : I have recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ). I request the following information : The name and address of the original creditor and the current creditor. 
Verification of the debt amount you are seeking to collect. Including evidence that a contract exists creating the amount you claim is owned. 
Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
Proof that the original creditor scrutinized the debt. 
Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided verification of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 






Page 2 ( Waypoint Resource acct # XXXX debt assignment letter request ) Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 



XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , Michigan XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Comenity Bank credit card, through a company called XXXX. XXXX informed me that their credit card program was ending on XX/XX/XXXX. I received several communications about the program 's end. The final notice was sent on XX/XX/XXXX, stating " If you're using your XXXX credit card to make recurring automatic bill payments, please switch those payments to a different card, since your XXXX credit card will no longer be accepted. '' I had until the next billing cycle to fully pay off the card balance. As of XX/XX/XXXX, my balance was XXXX. Since my debt was satisfied, I didn't think about the card after that. 

Around XXXX of XXXX, I started receiving notices from XXXX that my account had an unpaid balance. I called them up to explain that the charge they were trying to collect on went through XX/XX/XXXX, 3 months after the card was closed. It was a recurring automatic charge of {$6.00} that, per their own letter, should not have gone through. Over the course of the next 6-8 months, I regularly called up XXXX to re-explain that the charge should not have gone through. Each time, the representative agreed with me, and indicated that they would be notating the account to reflect that. I continued to receive late fees and finance charges over the course of a year and a half, despite making at least 6 separate calls to the company. In XXXX of XXXX, I finally just decided to pay the {$190.00} accrued on a {$6.00} charge that never should have gone through to begin with. 

I put this behind me until I checked my XXXX   and XXXX  reports and saw that XXXX reported my account as late from XX/XX/XXXX to XX/XX/XXXX, despite the card closing XX/XX/XXXX. This is more than a year after the card was closed and paid in full. The account is reported accurately through XXXX. I have disputed this through XXXX  2 times, and I am currently disputing it for a 3rd time. XXXX  says that XXXX has provided documentation to support their claim, but I have conflicting documentation that supports mine. 

I have perfect payment history on all of my tradelines. This is illegal and all-around not fair. 

Thank you.
Product: Debt collection

national credit system XX/XX/2019 XXXX I have tried several times in asking for your help with a debt that does not belong to and also provide information that this debt is not mines know you need me know choice but to file a law suit which i will be asking the CFPB to come to court and testify once again the account is not mines the company have yet to show proof I file a complaint with FTC along with identity fraud report and telling me to file again so national credit system can do their investigation they do not even sound right i have enclose some documents along with this complaint
Product: Credit reporting or other personal consumer reports

my last payment for that car was on XXXX XXXX and its still showing that a balance of XXXX. I do have the blue title for the car I received from capital one bank to my concern issue it shouldnt be affecting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Equifax have exceeded my patients please note and publish I am being represented by council referred by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to follow Case # XXXX do to the practice areas I retained a attorneys that practices in California representation was mailed out, XXXX has called me twice and made XXXX  and lyes in there investigation process, due to the proven fact noted by C.F.P.B my prayer or relief Decretory judgement that defendant violated th FCRA, 15 U.S.C.1681e ( b ) An award of actual damages pursuant to 15 U.S.C 168n ( a ) ( 1 ) or 1681 o ( a ) ( 1 ) An award of punitive damages, as allowed by the court pursuant to 15 U.S.C 1681n ( a ) ( 2 ) an award cost and reasonable attorney fees pursuant 15 USC and such other and further relief as the Honorable court may deem just and proper including any applicable pre judgement and post judgement interest, and/or declamatory relief I will demand jury trial on all issues
Product: Debt collection

I have informed XXXX  on numerous occasions via mail and fax that I have been a victim of Identity theft of which the listed items that have been reported on my credit profile may be a result. I have no knowledge of these items or accounts as they are redacted, and I have also requested proof of the verification method XXXX  has used in order to investigate and procure proof this item is accurately reported. 

XXXX had informed me to communicate with the creditor EDFINANCIAL EDUCATION to request removal of which I have and never received a response no proof of the item 's permissible purpose and documents relating to the contract. 

I have never done business with EDFINANCIAL EDUCATION my desired resolution is for these items to be removed immediately pursuant to the FCRA law section 609
Product: Mortgage

I did not get paid during XXXX for rent from my tenants so I was unable to make my mortgage payments therefore because of this I have had to sell my rental property. Now awaiting the sale the mortgage company is trying to foreclose
Product: Debt collection

The account held by this collection agency is from XXXX. I have contacted XXXX they let me know no balance was due on my end with them. That I needed to contact Collection agency I contacted the collection agency and they have been unable to help me find a solution there only solution is for me to pay the debt. I have explained several times XXXX stated I don't owe. I had sprint more than 5 years ago so regardless this account is passed the Statues of Limitation of California. Also the account number is listed as follows XXXX they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.