23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

The attached page shows a company called XXXX of XXXX Ohio sentt me a a check for XXXX and 53rd said there was something wrong with it. 53rd had charged XXXX in overdrafts at that time, so their settlement owed me 3 times that amount. XXXX XXXX also said he would refund the XXXX fee after a year. I was also owed a XXXX promotion as well. I am not sure what was wrong with the XXXX check from XXXX of Ohio.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked over my credit reports and found some incorrect information. I sent a dispute to the 3 bureaus regarding these accounts and did not receive a response at all. I waited 50 days and resent my letters again. I even checked online to confirm that I sent them to the correct address. It is now the 40th day and I have yet to receive a response for the 2nd time. I am only try to fix my credit report as it is showing incorrect information without paying {$1000.00} for a company to do it for me and I am getting nowhere.
Product: Debt collection

XXXX XXXX ACCT. # XXXXMIDLAND FUNDING- ACCT. # XXXXThese are the XXXX debts that are also showing up on my acct. i need to know why they are there and the amount owed is so high
Product: Credit reporting or other personal consumer reports

I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing is the charged/off account XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX last updated status of the account has been updated as Paid, Closed. {$990.00} Written off. XX/XX/XXXX of a credit limit of {$700.00} highest balance {$970.00} and therefore it has been turned into a charged off account. According 15 U.S. Code 1666b - Timing of 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. As I know the creditor did not notify me 21 days before a statement According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. I demand a deletion for XXXX XXXX XXXX on behalf of my credit report. account # XXXX
Product: Checking or savings account

Dear XXXX XXXX XXXX, I hope all is well. I just wanted to say thank you very much for allowing me to bank with USAA all these years its really been a pleasure and great experience. The reason why Im writing is because I received a return check fee of {$29.00} and I spoke to XXXX agent on XXXX at XXXX XXXX  about it when I called in and he said it was a system error because I had the money in the bank for the XXXX XXXX XXXX of {$80.00} and I agree it was a system error. He promised me twice that he was going to put the {$29.00} return check fee back in to my account for the fee. I have all of this documented. Since XXXX told me and promised be that he was given me the fee of {$29.00} back and it was a system error it should be honored and given back to me he told me this and I believe him and I dont see it back in my account thats why Im writing. Please listen to the call and you will see for yourself, I greatly appreciate it if you give me the fee back like XXXX promised me. I have been going through a lot with my mother trying to hurt herself and other things I rather not go all the way in to. Thank you very much for your help, empathy and understanding. Have a wonderful day and please continue to be safe Mr. XXXX. 

*Now I have two NSF fees I thought since I had a deposit going in to the bank from XXXX it was going to prevent any more fees, I thought it was like XXXX XXXX XXXX the rewind process since I had a direct deposit I thought it was not going to charge me any more fees because I bank with XXXX XXXX XXXX well and I thought all banks had the rewind if you got a direct deposit. My account was not negative when I went to bed Monday night or when I woke up Tuesday but some how I still was charge an NSF fee, it makes no sense to me. This is really stressing me out, giving me anxiety and everything because I try my best to manage my account and avoid fees. I dont have extra money for fees being a single mother.I still dont understand how I was charge the fee if I had a direct deposit the same time XXXX and XXXX went through. * Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX DOB : XX/XX/year> SS # XXXX Subject : Dispute of Incorrect Information ( FCRA Section 605C ) To Whom It May Concern, I am writing to formally dispute the below listed accounts on my credit report, as I am a victim of human trafficking. This letter serves as my self-attestation regarding the accounts caused by my victimization listed below, in accordance with the provisions under Section 605C of the Fair Credit Reporting Act ( FCRA ), which pertains to victims of trafficking, and request deletion of the following accounts : XXXX XXXX  bankruptcy XXXX Reference Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Original Balance {$430.00} XXXX XXXX XXXX Account XXXX XXXX Original Balance {$36000.00} XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX XXXX XXXX {$950.00} Account Number XXXX XXXX XXXX XXXX  Account Number : XXXX Credit Limit : {$100.00} XXXX XXXXXXXX XXXX Balance XXXX {$950.00} Account Number XXXX XXXX XXXX XXXX Balance : {$250.00} As a victim of human trafficking, I was coerced into financial activities that resulted in the negative marks on my credit report. These activities were beyond my control and were a direct result of my exploitation. Pursuant to Section 605C of the FCRA, I am entitled to have these inaccuracies corrected or removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed the accounts XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX with Transunion. I disputed these accounts because they were reporting inaccurately. I sent validation letters to each of these creditors. XXXX XXXX did not respond, but Transunion verified this account as accurate. XXXX XXXX XXXX did not send a binding contract with my signature on it and was asking for me to send them information, but Transunion verified this account as accurate, XXXX XXXX refused to validate my account, but Transunion verified this account as accurate. I, XXXX XXXX, consumer, natural person, the original creditor, do not validate any of these accounts or alleged amounts. I have been disputing these accounts for months. Transunion is violating my consumer rights by furnishing inaccurate information onto my credit report. I requested investigative reports from Transunion in affidavit form and I still have not received any information. Transunion is in violation of 1681 ( a ), 1681 ( b ), 1681 ( a ) ( 4 ), 1681b ( 2 ), 1681c ( f ), 1681e ( b ), 1681e ( a ), 1681g ( a ) of the FCRA.
Product: Mortgage

I am unfortunate enough to have a mortgage through XXXX XXXX. They are very incompetent and dirty. I had my homeowners through XXXXXXXX XXXX and recently changed it to XXXX. I informed midland mortgage on XX/XX/XXXX that I was changing my carrier from XXXX to XXXX. I sent them the message, via email, with the new company and the new policy number. My old Policy did not expire until XX/XX/XXXX at XXXX, while my new policy became effective at XXXX on the XXXX. They never even read the email I sent to them. S now they are trying to make me pay for a {$1800.00} 3 month policy even though I have had homeowners insurance the whole month! They said I had to go to their website and update my policy, which I did, and it sent me to a third party site. I filled out all the information, but when I tried to submit the form, it would not do anything. it just sat there. It was not locked up because every time I clicked submit it went to the middle of the page. Once again, XXXXXXXX XXXX proves how incompetent they are.
Product: Credit card

I have spent hours on the phone with useless Wells Fargo representatives, asked my son to get involved and visit branches across the country for me, submitted a formal CFPB complaint, so on and so forth. And somehow, Wells Fargo still does not get it. 

Here is a quick summary of events for you : 1. I had a credit card account with XXXX XXXX  at the end of XXXX. It was in good status with a XXXX balance. It had autopay setup and online statements. \n 2. Wells Fargo then purchased the account and in doing so deprived me of online access to the account in early XXXX. They sent me a new card. I put it in my wallet. \n XXXX. Shortly thereafter, I had a house fire and was displaced. I grabbed my cats, my wallet, and a basket of clothes and thats pretty much all I have now. \nMy entire life has been turned upside down during this entire dispute. I am *STILL* effectively homeless today, XX/XX/XXXX. I am still living in a temporary accommodation. I still do not have regular access to my mail, which is being sent to my son 's house halfway across the country where it piles up because there is nowhere else to send it. I have very irregular access to any written communication. \n 4. I have consistently asked Wells Fargo, for months, to allow me so sign up for online access to view my account so I can review my statements. I dont get them in the mail because I have no current address. They have categorically refused to do so and still have not solved the one thing I need : online access to see my XXXX bill. They have refused to update the phone numbers on the account when asked multiple times in hours and hours of tortured phone calls. They have demanded I visit a branch to prove my identity ( there are no Wells Fargo branches in Ohio, where I live )- I dont know what there is to say at this point. I give up. \n XXXX. I submitted a CFPB complaint after months of begging XXXX  Wells Fargo representatives to let me see my bill and enroll in online banking. I was expecting that someone with one ounce of common sense and decency might read the complaint, review the situation, and let me finally access my account. Instead, I get a letter like this blaming me for not trying hard enough to get through Wells Fargos INCOMPETENT staff while I am displaced from the fire. 

I dont know what to say at this point except I am not paying a bunch of bs fees for a problem Wells Fargo has caused ( stopping my autopay, refusing to allow me to set it up again, refusing to let me see my bills ) in the first place and refused to let me address despite multiple attempts over several months. Good riddance. Wells Fargo is a criminal bank and should be shut down. 

XXXX
Product: Consumer Loan

I was excited to get my car however I used my used car XXXX which was worth {$8000.00} as trade the people at the dealer called ally bank and ally bank XXXX additional monies that the car which I have should be paid off as of XXXX instead of XX/XX/XXXX this is unfair and I never received a receipt from themeach time a payment was taken from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lawful right to privacy and that right has been violated by Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S. Code 1681 Section 602 of the Fair Credit Reporting Act states : 15 U.S. Code 1681 Section 602- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Furthermore, a consumer reporting agency may Not furnish my consumer report without written instruction from me under 15 U.S. Code 1681b Section 604 which states : 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I HAVE NOT PROVIDED WRITTEN INSTRUCTION TO : Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX tO FURNISH MY CONSUMER REPORT AND HAVE BEEN VIOLATED BY ALL OF THE ABOVE. 

Please see the attached documents that reflect attempts made in order to protect my privacy. These violations have caused a tremendous amount of stress for me, my family, and household. 


Additionally, there are requirements relating to information contained in consumer reports, according to 15 U.S. Code 1681c Section 605, which states : 15 U.S. Code 1681c Section 605- Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ( XXXX ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I have committed no crimes so again, my rights continue to be violated here.

The Consumer Law states that it is the duty of the furnishers of information to provide accurate information.

15 U.S. Code 1681s2 ( A ) ( 1 ) Section 623- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Please see the many errors highlighted in the consumer report print outs attached. These errors were also explained via certified letters dated back as early as XX/XX/2022 only to later be verified or falsely manipulated in some way.
Product: Mortgage

XXXX/XXXX/19 WE JUST GOT A LETTER IN THE MAIL STATING THAT WE WERE DENIED A MODIFICATION BECAUSE THEY SAID THE DOCUMENTS WERENT SENT IN ON TIME!!! LIARS!! IF YOU LOOK AT ALL THE COMPLAINTS YOU WILL SEE THAT WE SENT IN ALL DOCUMENTS BY THE DUE DATE XXXX/XXXX/19 BUT WE WERE TOLD THAT THE NOTARY DIDNT SIGN THE CORRECT LINE! SO THE MODIFICATION SENT OUT ANOTHER SET BY EMAIL AND WERE SIGN CORRECTLY BY THE NOTARY THEY WERE SENT BACK BUT WHEN MY WIFE CALLED SLS TO MAKE SURE EVERYTHING WAS SIGNED RIGHT THEY SAID THEY DIDNT RECIEVED THE HARD COPIES AND THEY WERE SHREDDED!!!! WHY??? SO NOW ITS THE END OF XXXX SO I TALKED TO A SUPERVISOR AND SHE SAID SHE IS SENDING A NEW MODIFICATION DOCUMENTS BY UPS WE DID AND WE SIGNED THEM AND WERE SENT BACK AND THEY RECIEVED THEM ON XXXX/XXXX/19! WE WERE TOLD THEY WILL FINALIZE THE DOCUMENTS BUT WE MUST MAKE XXXX PAYMENT WHICH WE DID! NOW WE GET THESE PAPERS IN THE MAIL SAYING WE DIDNT SEND THEM IN BY THE DUE DATE! LIARS WE HAVE THE THE RECIPTS FROM WHEN EVERYTHING WAS MAILED ON ALL 3!
Product: Debt collection

Collection bureau of America has put a derogatory collection claim on my credit and I have no such account. I dont have any delinquentXX/XX/XXXX accounts and they threatened and proceeded to drop my credit score XXXX XX/XX/XXXX 

I do not know who this debt collector is and I owe no debt. 
I do not owe {$160.00}
Product: Student loan

I paid off my student loan balance in XXXX of XXXX while still under XXXX. Today I received a bill stating I still owe {$10000.00} with a payment due in XX/XX/XXXX. I have emails and documents supporting I paid all my loans. Initially, I received a statement with Aid Advantage when they took over that my balance was XXXX. Now, I look and they have retroactively gone back to reverse a payment of {$10000.00} with a date of XXXX of XXXX. I never made a payment in that exact amount. How can they so called reverse a payment historically? This is inaccurate. I was afraid something like this might happen when the new loan servicer took over, which is why I made every effort to paid off all my loans before it happened. I did successfully do this in XXXX of XXXX while still under XXXX. Please help me in investigating this. They have erased all previous documents on my account, but I can produce a transaction spreadsheet of all my payments for the life of the loans. I do not trust they will remedy this situation without reinforcement from your organization.
Product: Credit reporting or other personal consumer reports

TD BANK USA/TARGETCRED XXXX this account is reporting inaccurately on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the inaccurate information be updated to reflect my accurate payment history. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY THIRD COMPLAINT. 

XXXX IS CLAIMING THE SUBMISSION COULD NOT HAVE BEEN SENT BY ME THE FIRST TIME. 

IN MY SECOND COMPLAINT I SUBMITTED MY DRIVERS LICENSE AND SOCIAL SECURITY CARD WITH CONFIRMED ADDRESS. 

MY DRIVERS LICENSE AND SOCIAL SECURITY CARD ARE ATTACHED BELOW ALONG WITH THE 6 LETTERS SENT OVER THE LAST 12 MONTHS TO XXXX. 

I Have tried to dispute the incorrect information with the Credit Agency 's with little to no progress.

I began the process in XXXX of XXXX and as of XX/XX/XXXX the disputed issues that I contested are still on my credit reports. 

After ordering my detailed credit report, I disputed the records with both the issuing company as well as the credit agencies them selves. The debt agency and creditor bureaus were unable to find any information proving the accounts were mine as required by Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A of FCRA. One of the accounts in question was opened at a location and time in which it would have been impossible for me to authorize.

After Writing 6 separate letters to each credit bureau, I have been unable to receive a solution to my issues. I have asked several times for proof of the account as required by Section 609 and 611. The credit bureaus and the supposed debt and credit companies that issued the disputed items have not been able to provide any  relevant information regarding the validity of the account. A number of the accounts disputed have no relevant account history, or history that began after my original dispute was filed after XX/XX/XXXX. Many of the accounts have missing information for several months. None of the accounts have been verified with the required supporting documentation. 

I wrote the dispute and follow up letters by hand over the last 11 months and mailed them with Registered/certified postage. I have copies of all letters and correspondence to and from the credit bureaus attached to this complaint. 

IDENTIFICATION ATTACHED BELOW.
Product: Payday loan, title loan, or personal loan

I bought a product online and used PayPal 's pay later. The plan total was XXXX with the first payment on XXXX till XXXX of XXXX XXXX payments. Problem is I made my first payment and then XXXX other payments on the first month and the XX/XX/XXXX payment keeps showing up. I called PayPal and asked why the payment is not coming off and they said it comes off the back end so when you make a payment it keeps showing a XX/XX/XXXX due date. I never saw a loan where your payment comes off the end dates instead of the next payment due date. 

XXXX One-time payment XX/XX/XXXX Payment received- {$37.00} One-time payment XX/XX/XXXX Payment received- {$31.00} One-time payment XX/XX/XXXX Payment received- {$31.00} XXXX  XX/XX/XXXX Purchase amount {$340.00} Purchase date XX/XX/XXXX Purchase amount {$340.00} Plan total This updated total includes any additional merchant charges such as shipping and taxes, as well as any refunds or other adjustments. 
{$360.00} Total interest {$17.00} ( XXXX 13.99 % p.a. ) Total amount {$360.00} {$31.00} on XX/XX/XXXX {$31.00} on XX/XX/XXXX {$31.00} on XX/XX/XXXX {$31.00} on XXXX XXXX, XXXX {$31.00} on XX/XX/XXXX {$31.00} on XX/XX/XXXX {$31.00} on XX/XX/XXXX {$31.00} on XX/XX/XXXX {$15.00} on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/year>2023 :
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. 

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. 


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.