23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

- Name XXXX XXXX XXXX XXXX - Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX - Old - Phone : ( XXXX ) XXXX -New ( XXXX ) XXXX - Email : XXXX - Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Complaint : I am submitting this complaint to request the immediate deletion of the XXXX XXXX XXXX XXXX account XXXX XXXX : XXXX XXXX XXXX XXXX {$240.00} ) from my credit report. This account is inaccurate, and the derogatory marks are causing me significant harm. 

I also dispute the multiple different open and closed dates reported on my credit report for this account. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported. 

Furthermore, I dispute the validity of the debt being collected by XXXX XXXX XXXX XXXX. As a third-party debt collector, they have failed to provide me with a wet signature or the original contract, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ).

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that CRAs ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate.

3. _15 U.S.C . 1681i_ : This law prohibits the reporting of inaccurate or incomplete information, including multiple different open and closed dates.

4. _Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq._ : This law prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct.

5. _15 U.S.C . 1692g_ : This law requires debt collectors to provide consumers with a validation notice, which includes the amount of the debt, the name of the creditor, and a statement indicating that the debt will be assumed valid unless disputed within 30 days.

6. _Truth in Lending Act ( TILA ), 15 U.S.C . 1601 et seq._ : This law requires creditors to provide consumers with clear and conspicuous disclosures regarding credit transactions.

7. _15 U.S.C . 1638_ : This law requires creditors to provide consumers with a copy of the credit agreement, which includes the terms and conditions of the credit transaction.
Product: Mortgage

Misleading and False advertising. 


XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I was charged for 1 transaction 2 times on Zelle and Im just now catching it dont know how long its been charging me twice for a single transaction
Product: Student loan

Two payments were made, the first on XX/XX/XXXX for XXXX confirmation code XXXX. The second was made XX/XX/XXXX also for XXXX confirmation code XXXX. Despite these payments which would have brought my amount due to 0, I continue to receive emails and regular mail letters stating I am severely overdue. On Tuesday XX/XX/XXXX an XXXX XXXX XXXX rep told me the issue stemmed from the payments being made " during a transition '' and the issue would be resolved and the payments applied. Today a gentleman told me my loan has not " fully converted '' to their company and that he wasn't sure why. The payments were both deducted from my bank account but seem to be lost in limbo. My primary concern is if the 2 payments take too long to apply and the delinquency is reported to credit bureaus, considering they've now been lost for 20 days.
Product: Mortgage

We refinanced two mortgages by Wells Fargo bank to consolidate them into one affordable rate mortgage. They made us believe that was what we got. A few month after we realized that they had sold the second mortgage to a third party without us knowing about it and that in fact after the refinance out mortgage payments was higher than before the refinance. That was devastating to us and forced us to sell our home in a short sale process. We had a bad credit as the result and to this day we are renting.
Product: Credit reporting or other personal consumer reports

Ive recently received a c copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.
Product: Debt collection

Please see the attached letter. I have told Wells Fargo before in writing to stop calling and to communicate in writing only, yet yesterday on XX/XX/2019 while with my family they could not help it but to communicate. This is a violation of The Do Not Call List, The California Rosenthal ACT ( RFDCPA ) and TCPA 1991. See attached. 

I expect this matter to be settled or I will file a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights 1. XXXX XXXX XXXX  - Account # XXXX, 2. XXXX XXXX XXXX XXXX  - Account # XXXX 3. XXXX XXXX - Account # XXXX 4. XXXX XXXX XXXX XXXX - Account # XXXX 5. No Name Provided - Account # XXXX 6. No Name Provided - Account # XXXX 7. No Name Provided - Account # XXXX 8. XXXX XXXX XXXX XXXX  - Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

This regards my Fidelity Rewards Visa Signature account ( managed by Elan XXXX XXXX ). Starting with my XX/XX/XXXX statement, I've been charged fees ranging from $ XXXX through XX/XX/XXXX. 

For the XXXX XXXX XXXX statements, my balance has been < {$20.00} and I've been paying what I owe rounded DOWN. For example, my balance on the XXXX statement was {$11.00} due on XXXX, and I paid {$11.00} on XX/XX/XXXX. In XXXX, I was charged the prior month 's full balance ( {$11.00} ) plus a {$1.00} " minimum interest charge fee '' despite charging {$0.00} to my card in that statement period. In speaking to customer service, they drew my attention to the minimum payment required each month ( again < {$20.00} ) and justified charging me the full balance as a late fee because I rolled over < {$1.00}. 

In total, I've been charged {$53.00}. I don't believe it's legal to charge a late fee of any amount for carrying a balance of XXXX {$1.00}, and I'm not sure a " minimum interest charge fee '' that exceeds my balance is legal either. 

I canceled my card today after holding it for over 20 years.
Product: Credit card or prepaid card

In XXXX, I decided to close my secured credit card which is authorized by XXXX XXXX XXXX  and had {$300.00} deposit in that card. I called the cardmember service hotline and was told if I need to close my card, I need to write a former letter including my name, reason, current address and signature, then they can close my card and mail the deposit check back. I wrote the letter as they told me and sent to cardmember service. But after one month, I found my card was closed but I still hadnt received the check, so I called card service hotline on XXXX XXXX, and the representative told me that per her system record they did n't receive my mail, but they still closed my card. During the phone call I found my address in their system still was the old address which not be updated to my current address. So the reprehensive helped me changed the address and told me will mail the check ASAP. But after one week, I received the letter from XXXX XXXX XXXX that they mailed the check to my old address and the check was cashed out by my ex-husband. I was so shock that per their request I mailed the card-close requirement letter and provide my current address how could they mailed the check to a wrong address. I called cardmember service hotline the third time, and the representative was very rude and told me that their company has no duty to check and make sure if the customer changed the address, and they mailed check to the address in system, so they do n't care what happened next. My question is, I followed the rule they told me, provided the letter and my current address they requested, why they still mailed to a wrong address and even let some strange cashed the check out? What the meaning of the card-close letter they requested?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention the inaccurate information that has been reported on my credit report by Equifax. I had contacted Equifax on XX/XX/XXXX regarding the following incorrect information on my credit report. However, to this date, I have not received a response from them. 


The following account was never late XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$53.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$76.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$14.00} ). Please correct this inaccurate information on my credit report.
Product: Checking or savings account

On XXXX XXXX XXXX here in XXXX XXXX, SD. Overcharged me and the mechanic was negligent in the work done. He Left bolts UNTIGHTENED and or loose and the issue had to get fixed at another garage. 
I was told the cost would be {$990.00}. For a New Starter. I talked them down 30 % and I was charged {$700.00}, but I put a stop payment on the check. Because of the Overcharging and the Negligent work. But PNC Bank Did not honor the stop payment. They said the wrong Check number was entered on the stop payment form. But they did not show me the wrong number, and now today they still will not show me the wrong number on the stop payment form. Nor show me the stop payment form. I am not going to pay any mechanic who does negligent work on my car. And the bank has to honor a stop payment for negligent car mechanic work. 
And the bank 's negligence in not honoring the stop payment, is now added to the fraudulent work of XXXX XXXX. 
That Is one issue. 
The next issue with the PNC Bank is that " All of the disputes I Filed were NOT honored ''. Why Not I asked but no answer was offered. 
Like I was not complaining truthfully but falsely. Or Lying about the fraud that was allowed by the bank to go on and on. For Months. 
XXXX XXXX
Product: Bank account or service

On my Amazon.com payment webpage in XXXX 2015, Synchrony Bank promoted a financialoffer : 5 % cash back or 0 % APR on purchases. The page expressly stated that Amazon.comStoreCard members enrolled in the paid XXXX membership would " automatically '' receive these benefit choices. This ad on the Amazon.com payment page appeared for the next XXXX months. I made several inquiries to Synchrony Bank about receiving this financial promo. No one, either reps nor supervisors, knew about the promo or how to follow-through. 

In XXXX 2015 the Amazon.com payment webpage changed, the offer reappeared, yet it was no longer an " instant '' benefit. I selected to receive 5 % cash back on purchases at that time. 

XXXX, 2015 StoreCard statement for Amazon.com from Synchrony Bank did not include the cash back on purchases benefit, after I made rather difficult, repeated inquiries. 
Synchrony Bank made a financial promotional offer, XXXX 2015, based on purchases made by XXXX membership clients that they did not honor or follow-through. Synchrony Bank was not able to, and appeared incompetent about correcting this matter.
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.

Account Name XXXX XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C 1681 Sectio
n

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: Credit card or prepaid card

On XX/XX/XXXX I purchased an item from XXXX with a return policy. I received the item and wanted to exchange it. I sent the item back and reordered the item I wanted. The merchant was to refund me upon receipt of the returned item. Customs received the item and requested the merchant complete the required paperwork for delivery. She refused. I disputed the charged with Barclays. They sided with the merchant. I refiled a disputed on XX/XX/XXXX and in the meantime they rebilled me for the disputed charge TWICE. I do not have possession of this item, I returned it and they have not protected me as the consumer and in fact have violated me even further by charging me twice. Instead of {$320.00} debt for an item I don't have I now have a debt of {$650.00} erroneously reflecting on my debt and credit reporting. This is wrong. Please assist me with this matter.
Product: Debt collection

I originally had a high-interest personal loan with Rise Credit, and, after repeated attempts to get Rise to work with me on their " automatic draft '' dates so that my account with not get hit on a week other than my pay week, I cancelled my auto draft with them and started calling in. I repeatedly asked for them to modify the date of draft and they would not, so I stopped paying them and told them that I would resume my payments when they acknowledged my complaint and updated my records. Rather than do so, they sold my loan to XXXX XXXX XXXX. I received multiple calls from XXXX XXXX XXXX and on XXXX XXXX, XXXX, spoke with one of their representatives, XXXX XXXX XXXX, about making payments. This call was taken on my personal phone after business hours. XXXX then drew up an arrangement and e-mailed it to me ; however, I did not find it originally as it had gone into my spam box. XXXX has since ( i.e., XXXX XXXX, XXXX ), called me multiple times nearly every day, even though I have repeatedly told him I do not take personal calls during the day. He then rang me through my employer 's number on Monday, XXXX XXXX, XXXX at XXXX XXXX I told him emphatically NOT to call me at work, and explained that I would be making my first payment the end of XXXX. XXXX called me again at my place of employment on XXXX XXXX, XXXX, and was told that I was attending the funeral of one of my co-workers. He again called today, XXXX XXXX, XXXX, at XXXX XXXX. and began asking for information regarding the name of my employer, my job position, etc., and I asked our Administrative Assistant to tell him again, not to call me on my work phone. I have now instructed everybody at work not to take his calls and I have advised his company that I have filed complaints with any agency that handles these types of situations. The specific information regarding XXXX XXXX and this organization is as follows : XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, KS XXXX Toll Free : XXXX Fax : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX is not reporting my car loan through Ally financial. I have filed 4 disputes and each time they fix it the loan will reappear and then 30 days later it will fall off my credit history. The other credit reporting bureaus do not have this problem. I dont know what else I can do to help them to their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiry listed on my Equifax credit report is fraudulent, unauthorized and not my credit inquiry : XXXX XXXX, XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am I victim of identity theft, Ive tried contacting each of the company mentioned in this complaint individually to inform them that the accounts reported on my name are unauthorized by me and that they are fraudulent. 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 are all fraudulent accounts I did not authorize to be opened/reported on my credit report. I do not live at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2019 Called to BOA at XXXX on hold for over 35 minutes as BOA could care less when they leave customers on hold over 35 minutes as this is a part of the sloppiness and intentional poor service due to careless attitudes to the top of their chain. They will do everything they can to not assist over the phone as they feel you are wasting their time as they dont customers are worthy. After informed rep over the phone of a unauthorized transaction from my checking account of XXXX from a co I didnt recognize or approve of transaction. Transferred me to a XXXX whom refused to provide his last and said hes not required, as last provided her last name. His id # XXXX-he refused to acknowledge the issue and asked same question 3 times-was I familiar with this company XXXX XXXX XXXX XXXX I said NO, he said same co withdrew XXXX in XXXX as I told I dont know who this is and I did not authorize it, since he refused to remove and acknowledge the issue I asked to speak with a manager. XXXX was the manager and refused to credit my act the XXXX that I unauthorized, claimed this is a student loan or collection and said a previous transaction from XXXX came in for a different amount XX/XX/XXXX, I clearly informed her 5 times I dont recognize not approved. She refused to assist and informed me she will closed my and hold my funds of XXXX already in my act. Who do they think they are. BOA had no right. That day I removed my XXXX and closed act due to unfair treatment, refusal to assist, After act closed now they holding my info to it including XXXX access so if I wanted to use XXXX it will deny me because I was registered with BOA, BOA refused to remove. They have no right to hold my funds while a fraud transaction come to my act. I want my XXXX back as they are running a scam to get as much money off of me as possible because of their multiple class actions due to their illegal actions.I checked my act and NO transactions under this name ever came in, they are liars and def not this amount. Holding my funds should be illegal, if a cust reports fraud they hold any additional funds, this is the second time they pulled this scam.Its ridiculous that I have to sit for over 30 min for a rep to answer for assistance or 30 min for someone to call back. Unacceptable.This is their mission, in hopes that their customers will hang up due intentional lengths of time of 30 min or more. Guaranteed you will not receive a rep in under 30 min, a guarantee. Called XX/XX/XXXX spoke with XXXX in Texas as she refused to provide her last name or id # am on hold minutes, asked for a manager as she left me refuse to remove my XXXX act with BOA as they should have. Attached front and back of XXXX transaction. XXXX id # XXXX claimed there are no fraud reports in her system, XXXX is running too many scams
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached all 3 bureaus inaccurate reporting. Fair Credit reporting Act allows me to have a right to accurate reporting. Please investigate the attached bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was alerted to a negative change to my Transunion credit report resulting in a 91 point drop in my credit score. The negative report was that my balance on the XXXX XXXX XXXX Credit Card increased {$820.00}, but what Transunion isn't considering is that I transferred that balance from my XXXX Credit Card. It was just a transfer, there was no increase on my credit cards. Transunion also indicated a negative report on my credit due to an increase of {$39.00} on a XXXX Credit Card. Transunion isn't showing any of the payments I made on these credit cards in the last month of over {$300.00}. My credit score should never have dropped, it was just a transfer from one card to another and if my payments were shown correctly my credit score should be back above XXXX where it belongs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously sent fraud affidavits to Experian to get the following accounts which resulted in fraud removed from my credit history. They have failed to properly investigate and remove the disputed items below. 

- XXXX XXXX XXXX XXXX ( XXXX ) : Verify account is mine without violating any HIPPA laws. 
- XXXX ( XXXX ... ) : Fraud - Chase Card ( XXXX ... ) : Fraud - XXXX XXXX ( XXXX ... ) : Fraud - XXXX XXXX XXXX ( XXXX ... ) : Fraud - XXXX XXXX XXXX ( XXXX ... ) : Fraud - XXXX ( XXXX ... ) : Fraud I have sent 2 previous letters to Experian, all by certified mail requesting that they remove inaccurate information from my file along with the fraud affidavits and they have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent certified mailstated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt them to conduct a proper investigation of the accounts in question and send proof to me of said investigation, I will file a civil suit in XXXX County for damages. I take my credit very seriously and their lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.