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

I am currently a Wells Fargo customer. On XX/XX/22 I visited a Wells Fargo back on XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I used the ATM in from of the building by the front entrance. I put on my card, entered my pin and requested {$320.00} dollars from the machine. I counted the money in front of the ATM and found I had received {$170.00} instead. I then looked at the receipt and it said that the machine had dispensed {$320.00}. confused I went back into my car and asked my friend who was in the car to count it for me. he too counter {$170.00} and confirmed that I was {$150.00} short. I then called the Wells Fargo customer 800 number to report the issue. I was advised that the issue would be investigated and that I needed to allow 10 business days. If the issue was not resolved after 10 business days, then I would receive a credit. on XX/XX/22 I received an email stating that the investigation had been completed. I called XXXX and spoke with XXXX. he stated that the investigation was completed but that the claim was denied and that I would not receive the {$150.00} that was owed to me. I asked to have the issue escalated and spoke with XXXX, a claims representative. she again stated that the claim would be denied. I asked for the issue to be escalated and XXXX stated that the issue would be escalated to the corporate office.
Product: Debt collection

Im writing you guys in regard of accounts being reported to my credit report that arent mines. I have sent in identity theft report to all 3 of the major bureaus and also wrote a letter to them explain my situation and asking them to removed the accounts or block them. I have been successful with removing accounts but theyre a few that hasnt been removed from two of the credit bureaus ( XXXX  & XXXX ) The name of these accounts are NCB MANAGEMENT SERVICE, CXXXX XXXX, XXXX XXXX XXXX I have been dispute these accounts since XX/XX/2020. These accounts have been removed from my XXXX  credit report. Also NCB MANAGEMENT SERVICE , & XXXX XXXX XXXX has been removed from XXXX. Also I have shown XXXX  & XXXX  the proof of these accounts being removed from XXXX. I have done my part and I need something to be done immediately. I have This is stopping me from closing on a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX I am writing to bring to your attention a serious matter regarding the debt collection company, XXXX XXXX XXXX, and their violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your assistance in addressing this violation and ensuring the prompt removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX XXXX  has reported a negative account that is not mine. This inclusion of an erroneous account on my credit report is not only misleading but also has severe implications for my financial well-being. Despite my repeated attempts to rectify this issue directly with XXXX XXXX XXXX, they have disregarded my requests and have failed to take any appropriate action. 

I firmly believe that XXXX XXXX XXXX XXXX actions constitute a clear violation of FACTA, which mandates accurate and fair credit reporting practices. Their failure to comply with the provisions outlined in the Act not only harms my financial reputation but also undermines the integrity of the credit reporting system. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into XXXX XXXX XXXX XXXX  violation of FACTA. I urge you to take appropriate action to ensure their compliance with the regulations and to promptly remove the negative account from my credit report. Additionally, I believe it is essential to hold XXXX XXXX XXXX  accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including my credit report highlighting the disputed account, as well as any supporting evidence that clearly demonstrates the lack of association between me and the reported account. I trust that this information will aid in your investigation and contribute to the resolution of this issue. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will act swiftly to address this violation, restore the accuracy of my credit report, and ensure the protection of consumers ' rights. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.
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 XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and 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  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

On XX/XX/2020, I applied for a new credit card with Wells Fargo under my name. We got the new credit card ( along with the letter ) in the mail a couple weeks later, but it was missing the envelope. It felt like someone had taken it out of the envelope, taken note of the credit card number/expiration date/etc., and just put it back in our mailbox hoping nobody would notice, and just discarded the envelope. Someone could easily have gotten my credit card number by unfolding the letter, peeling the credit card off the sticky, and putting it back on the sticky spot. 

We called Wells Fargo and told them what happened, and they cancelled the card and expedited us a new one, overnight delivery. The new card was in an overnight delivery ( large ) envelope that requires ripping open in order to get to it ( very secure ) ; however, the envelope housing the credit card letter was not sealed at all. But we figured that was okay because the unsealed envelope was in another larger, sealed envelope. 

We filed a complaint with the United States Postal Service and they launched an investigation to see if maybe the mail deliverer opened the mail to get the credit card info and then just discarded the envelope. The investigation came back negative ; they don't know for sure, but nobody else had this issue on our postal route, so it was unlikely that the carrier had anything to do with it. 

However, we got the rest of the letter in the mail today, XX/XX/2020. It was in a " FOUND LOOSE IN MAILS XXXX  SECTION '' in XXXX XXXX XXXX, UT post office. 

My assumption is that Wells Fargo 's envelope-sealing was not working for these few days, or something. But this leads to privacy issues, and I'm sure I'm not the only one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. XXXX. Validate Inaccurate/Reported Late payment XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

Accepted a non-contract cell phone deal with XXXX while a XXXXXXXX XXXX 
I received too many dropped calls and returned phone to XXXX pursuant to our agreement. Again, there was no contract. 
A short time later, XXXX placed a collection on my credit report and notified me that I still owed for the phone that was not returned. I contacted XXXX and provided photographic proof that the phone was returned. XXXX then agreed to remove the collection from my credit report. Now, some ( 3 ) years later, XXXX has sold the same debt to another collection agency who has now filed a collection on my credit report for the same phone that was already settled. The new collection agency is Jefferson Capitol System.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. Or permissible purpose to anyone to publish these accounts. 

I am holding them liable under 15 usc 1681n and 1681o for actual, statutory, punitive damages. 

I have remained humbled despite the stress, XXXX, and harm thee three credit reporting agencies have done to me. 

I want this account deleted immediately!
Product: Credit card

In XXXX I closed the account # XXXX and I requested the refund of the annual fee to be applied to my account as I am not going to be using it. The company seems to be able to close the account however it refused to refund the annual fee and fees that were accrued as result of the refusal. I think as Chase card member that no longer wants the card due to the poor customer service I am not obligated to pay for the annual fee I have closed and no longer use.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears to be on my consumer report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, XXXX ). In accordance with The Fair credit reporting act, public law 91-506, title VI, section 611, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up. Please send me an updated copy of my consumer report after the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, XXXX and Trans Union desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX
Product: Debt collection

I am writing to address the failure to comply with the law to remove a fraudulent account from my credit report, despite confirmation from the bank of the validity of the associated identity theft report and assurances over the phone to remove the account. Other bureaus have rectified this error by removing the account from their report. 
XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

**XXXX XXXX is not the problem XXXX is the issue** I contact XXXX an explain I caught XXXX XX/XX/XXXX 2022 went back for check up and was admitted in the hospital due to problem with my XXXX and extremally XXXX XXXX XXXX. I was in the hospital for 37 days. They said no problem I need to contact the credit bureau which I did on XX/XX/XXXX22 to dispute XXXX XXXX day delq. on my credit report report # XXXX got an update on XX/XX/XXXX22 nothing changed. Call XXXX on XX/XX/XXXX22 to find out why it didn't update, the representative at XXXX told me XXXX stated it was not a valid reason, I need to contact XXXX. On XX/XX/XXXX2022 I contact a manager at XXXX  who advise me XXXX NEVER CONTACT THEM. WHY would XXXX HAVE A REPRESENTATIVE XXXX WHEN THEY NEVER CONTACT THE COMPANY OR DID A PROPER INVESTIGATION. AFTER EXPLAINING TO THE MANAGER SHE REVIEW MY ACCT NEVER 30DAYS LATE IN FACT THIS IS MY 2ND LOAN WITHOUT A BAD PAY HISTORY. XXXX STATED THEY HAD NO PROBLEM REMOVING THE 30DAY DELQ BUT THE CREDIT BUREAUS HAVE TO DO IT. SHE WAS WILLING TO SEND ME A LETTER TO CONFIRM. WHICH THEY DID.
Product: Credit reporting 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. 

US BKPT CT XXXX XXXXXXXX XXXX, US BKPT CT XXXX XXXXXXXX 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.

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: Checking or savings account

I deposited a check from a customer on Sunday for {$2600.00} and on Monday I seen in my transaction history a reversal so I called the bank they told me all is okay and money will be available Tuesday morning. Well on Tuesday I called and it was not there. I was told to deposit the check a second time and I did as instructed. Now there is an extended hold for like 10 days because the check was deposited 2 times. I complained and said that is what you instructed me to do and I was told there is no way to change it or expedite the release. So my frustration is I did exactly what I was told to by the bank and they are treating me like a fraud. With no way to help! This is not acceptable and conducive to running a business.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX 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
Product: Consumer Loan

I made a {$25.00} purchase on my Belk card in XXXX. In XXXX I sent a check with the bill for that amount. The next bill had a late fee of {$35.00} added. I have called but they keep adding late fees and are now compounding interest. Is this even legal? I would never have used the card if I knew they could do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion via certified mail to dispute the accuracy of accounts on my credit report that negatively affect me. I requested a full review of the documents they used to verify and a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted. I have attached the letter submitted to them below. This was mailed on Friday, XX/XX/2020. I was contacted by TransUnion by mail on, XX/XX/2020 acknowledging receipt and initiation for the investigation requested. I was later again contacted on XX/XX/2020. They reviewed and updated all disputed items without disclosing their compliance with Metro 2 and disclosing to me all of the documents that they have recorded and retained in your file at the time of this request concerning the accounts that they are reporting in my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( 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 or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. XXXX XXXXXXXX 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

this credit inquiries not autorized by me is some one who has my personal information and tried to open credit card account. XXXX XXXX XXXX  XXXX 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit card account is not reporting on my XXXX and Experian credit report. I have made numerous calls to please have this account report. This account is in excellent standing and last payment made was {$800.00}. Having positive information report will help my credit score. Its been months since I reported this account is not reporting
Product: Credit card

XXXX XXXX XXXX I was overdraftered on my credit card by XXXX. My navy federal credit card was over drawn past the credit limit. When it shouldnt have been