23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage Bank : Wells Fargo We paid off our loan in full on XX/XX/2024. 

Wells Fargo subsequently proceeded to take a a mortgage interest payment from our bank on XX/XX/2024, the day after the mortgage had been paid off. 

What right does Wells Fargo have to take an interest payment after the loan has been paid off? I contacted them and they said it will take up to XXXX business days to be returned to my bank. What rights do I have to reclaim lost interest?
Product: Credit reporting

I was calling regarding the data loss that took place also known as " inquiry issue ''. I had to call 3 different times. The first time I spoke to some lady and she hung up on me and I decided I would not call until Tuesday. I called just a little while ago and was hung up on by XXXX and then had to call a 2nd time and spoke with XXXX. I kindly asked XXXX to take the inquiries off my credit report and he refused to and instead told me to write letters and maybe hopefully someone will do something. I do n't appreciate that these major credit reporters XXXX over the working class. They expect us to continue getting loans and they continue to make money off of people that have low credit scores just continues to destroy the american public. In this case I should start charging transunion for every month that goes by and my hard inquiries are not removed I should charge interest on that because I know for a fact that if I am " late '' on a payment I know the bank will definitely charge me interest without a problem and expect me to pay for it.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed some inaccurate accounts that are currently being reported. I've made a list of all the inaccurate accounts that I would like removed. This is the 3rd time that a collection agency has been added on my credit report with XXXX being the original creditor after being deleted with attached copy of identity theft report. These occurences has all happened within a span of a month and is being reported each time with a new amount of debt owed. I AM NOT FAMILIAR WITH THIS ACCOUNT AS STATED PREVIOUSLY Please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX / 2009 . I have disputed the issue with credit bureau to determine with account on my credit report is orginal or duplicated.
Product: Checking or savings account

I have XXXX charges from a rental app called XXXX. I bank with Citibank. They denied my dispute, saying Im responsible for the transactions. I will list the dates and amounts : XX/XX/2024 - {$580.00} XX/XX/2024 - {$85.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$86.00} XX/XX/2024 - {$87.00} XX/XX/2024 - {$86.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$83.00} XX/XX/2024 - {$87.00} XX/XX/2024 - {$87.00} XX/XX/2024 - {$85.00} XX/XX/2024 - {$160.00}
Product: Debt collection

On XX/XX/XXXX i visited the emergency room XXXX XXXX in XXXX for severe XXXX pain. I was diagnosed and given medication. The billing representative came to tell me how much I would owe, and said I would get a discount of about XXXX dollars if I paid right then and there. I agreed and paid. Months later after getting no notice or mail I start getting phone calls everyday from a debt collector for said XXXX dollars.
Product: Checking or savings account

I had my vehicle dropped off at XXXX for repairs. XXXX closed down without doing any work to my vehicle and charged account for XXXX. Filed claim with bank, bank reversed transaction and refunded me for that amount. Bank decided 4 months later to reverse transaction without any mail or explanation after sending me a letter back in XXXX stating case was closed. Bank isnt doing anything to help me resolve this.
Product: Student loan

I was contacted by Ameritech and setup auto drafts under the impression that my payments were being applied to my loan for a number of months in order for my remaining balance being forgiven per Ameritech.
Product: Credit reporting or other personal consumer reports

There are a lot of misspellings of my name and also old addresses that are not deliverable
Product: Debt collection

A person stole my identity and used the Tele-Check services inside a Casino to withdraw {$980.00} from my Checking Account with XXXX XXXX  XXXX However, due to suspicious several withdrawal attempts by the person that stole my ID, the bank had notified me to verify if that was me. Since I didn't know any of these transactions, the bank has stopped all of payment and advised me to close that account and reopen it with a new account with the XXXX XXXX. 

At the end of XX/XX/2022, I received a Debt Collection letter from TRS Recovery Services XXXX Inc. indicated that I owed {$980.00} and I responded to it a Letter explained that I never went to a Casino or used any Tele-Check services inside a Casino. In the Letter, I told them that Casino has ton of cameras that recorded every moment or services. They can pull out the video at the time of the Tele-Check cashing at their Cash Cage, then they will have the picture of that person that stole my Identity. On XX/XX/2022, I received a Letter from TRS advices me to file this report and provide all the information necessary for them to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, My name is XXXX XXXX. I have a huge problem that I am hoping you can help me solve. I have disputed with the credit bureaus and the collection agencies and creditors multiple times because they are reporting negative inaccurate information on my credit report. They are refusing to remove this information even though I have shown valid proof that it is not 100 accurate according to the FCRA.

Please remove these accounts from my credit profile because they are not 100 accurate and it is causing me a great deal of harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX Balance {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history Bank of America agreed to. XXXX XXXX XXXX has been reporting my auto loan account XXXX. They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. 

They have been calling and making threats about the account. They will not update the account on my credit report after they have charged off account. 

Please delete this account. XXXX XXXX XXXX did not report this account correct for more than a year. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Checking or savings account

I purchased from Nevada State Bank two CDs : one on XX/XX/XXXX for {$1000.00}, the other on XX/XX/XXXX for {$1000.00}. Both are automatically renewable with no expiration dates. I kept the original signed certificates in my safe at home. On XX/XX/XXXX, I presented them to Nevada State Bank for redemption and the bank refused to pay because they have no records of the purchases, claiming that the records were purged. Can they refuse to pay?
Product: Credit reporting or other personal consumer reports

Please clear these inquiries. I do not know about this, and the company initiated it without my AUTHORIZATION.
Product: Credit reporting or other personal consumer reports

My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.
Product: Debt collection

I have mailed all 3 credit bureaus certified mail an affidavit for account validation on XX/XX/2023 and mailed all 9 collection agencies below an affidavit for validation on XX/XX/2023 I asked them to provide documentation and write me back to mailing address about how I am the the debtor and show me all documentation as well as how they proceeded to verify this informations via certified mail, only 2 accounts got deleted and all the other accounts just continued to say they verified it was me and did not even contact me via letter through mail, they did it through XXXX and said they verified the debt without showing me any information or documentation on how they verified me as the debtor, I included copies of my social my license and an irs identity theft affidavit to each bureau and each collection agency and demanded paperwork or any kind of proof to show me how they verified the information and they couldnt even do that, these companies are not complying with the law and my rights nor is the credit bureaus, they decided to reach back out to me online through XXXX and just say it was validated and verified with no documentation and no mail back to my address, I have been demanding them to show me documents and how they verified me and they will not answer me nor show me any evidence of how they verified anything, I know my rights and I know that they are in the wrong by furnishing these accounts to the credit bureaus because these are not my accounts or my debt, they continue to Harass me and call me but wont do there job after I sent them certified affidavit letters of account validation, they continue to just say these debts are verified With no documentation when Im asking them thoroughly that they show me all the documents and how they proceeded to verify these accounts are mine, please help me because I am not only trying to repair my credit and do things the right and legal way and they continue to do illegal activities and not give me any type of explanation or documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK OF AMERICA 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
Product: Debt collection

My discovery account was closed and was givin to an unknown debt collector of my knowledge and I was not informed or neither did I give a written consent to give my information to any debt collector this account was closed on ( XXXX 2023 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX University is reporting on my credit for a balance owed. When I signed up for XXXX in was under a pretense that was false. XXXX, lied and made false statements regarding their degree and programs to get you into the school.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Reporting error I have contacted XXXX XXXX XXXX and have received the letter confirming that the account was closed and there are no issues. Please remove this from my credit file. 
XXXX XXXX Opened XXXX Reported XXXX Hi. Credit {$200.00} Credit Limit {$200.00} Thanks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) by improperly reporting inaccurate information to my credit file and failing to take corrective action. 

Under the FCRA ( 15 U.S.C. 1681s-2 ), data furnishers are required to ensure the accuracy of the information they report under 15 U.S.C. 1681s-2 ( a ) by reporting without my consent, and you are required under 15 U.S.C. 1681s-2 ( b ) to remove inaccurate information Failure to comply with the FCRA may result in legal action, including seeking damages as outlined under FCRA 616 and 617 ( 15 U.S.C. 1681n, 1681o )
Product: Debt collection

Im constantly being contacted about debt that was charged off. Its been placed on my credit report by a company I dont owe.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt 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 of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Equifax. Please delete the following accounts : XXXX XXXX XXXX CT XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$660.00} XXXX  XXXX XXXX Balance : {$14000.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$9700.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$360.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Checking or savings account

on date XX/XX/2023 amounts {$2500.00} transfer from my checking accounts to unknown savings account. without my authorization. so my claimed to resolve but i suspect the financial dept. could be involved.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$240.00}
Product: Debt collection

I XXXX XXXX am in a position to file for a Chapter 7 bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Product: Credit card or prepaid card

CitiBank dba SearsCard violated federal law, violated its MasterCard regulations, did not respond to my many specific proofs of a false charge to my account, did not investigate a single fact of the dispute, and ignored the merchant 's self-incriminating information. Attached is a detailed letter of the facts of the case, all of which CitiBank has totally ignored and none of which CitiBank ever refuted. Also, CitiBank has ignored my request to close my account and record it as being my request.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied and was approved for two Chase credit cards. My applications were approximately seven hours apart. On XX/XX/XXXX, I received my first credit card in the mail, a Chase XXXX XXXX, and I also received a notice by letter that my second account, a Chase Freedom Unlimited card that was approved and opened for four days, was closed for two reasons : 1. Too many accounts opened recently. 
2. Sufficient credit available with Chase. 

Having the account closed by Chase after being approved and opened is underhanded at best, and it negatively affects my credit rating through no fault of my own. If the rules were in place prior to approval then my application for the second card should have been declined. My credit record is something that I manage closely. I did not randomly apply for two different cards. I specifically applied for two cards because they offer different and complimentary reward structures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter and recently reviewed my credit file and unfortunately found that some of my personal information was incorrect you are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit profile within the next 30 days. If I dont receive any updates from you during this period, i know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

To whom it may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks.

Account Name 1 : Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly ACCOUNT NUMBER DATE OPENED LAST REPORTED DATE LAST ACTIVE AND DATE OF LAST PAYMENT XXXX  XXXX Account Number : XXXX XXXX  XXXX XXXX  NA Account Number : XXXX I demand that any and all late payments be removed as you in clear violation of 15 U.S. Code 1681 e ( b ) failure to provide maximum accuracy among all credit reporting agencies.Failure to comply with my demand is a violation of 15 U.S. CODE 1681In - a In general Any person who willfully falls to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damaged of not less than {$100.00} and not more than {$1000.00} or ( 3 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys as determined by the court and also violation of 15 U.S. Code 1681o Civil liability for negligent noncompliance - ( a ) IN GENERAL Any consumer is liable to that consumer in an amount equal to the sum of - ( 1 ) Any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section. The costs of the action together with reasonable attorneys fees as determined by the court. I am fully prepared to file for litigation and contact the Consumer Financial Protection Bureau, and better business bureau if you do not comply with my demand!
Product: Credit reporting or other personal consumer reports

four payments of XXXX has not been applied to my account with XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates continues to send me collection notices for I debt that I do not owe. I 've advised them numerous times to stop sending me letters and they continue to send them to me. They were also calling me on my cell phone multiple times a day without my consent. I advised them at least twenty ( 20 ) times to stop and they did not. I ended up blocking their calls so I am not sure if they are still trying to call me. The latest letter is dated XXXX/XXXX/2016.
Product: Credit card

I am a victim of identity theft and I lost my Capital One Bank XXXX and someone used my credit card and made over {$1300.00} in fraudulent charges that Capital One Bank is trying to hold me responsible for the fraudulent charges. I do not owe for this debt. The charges are not my charges. A representative called me from Capital One Bank and verbally abused me by swearing at me, telling me the fraudulent charges was made by me and threaten me with arrest and legal action. Capital One Bank is in violation of the Minnesota Debt Collection Laws and the Fair Credit Reporting Act.