23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/XXXX, I called Kohl 's Credit Card Co. because I didn't receive my bill. I told them I had been ill and was not able to call sooner. I was told they would waive the late fee. The following month I received my statement with the late fee charge, I called and explained waive of late fee in XX/XX/XXXX, but was told I was required to pay it in order to be removed. I explained I had a tight budget because of medical bills and was told i had I believe 10 days to pay it or it would be added again. I paid that fee in a few days to avoid that additional charge. In XX/XX/XXXX, I received my statement and there was a late fee again. I called and once again I was told I had to pay it, to not get another one. I explained I had paid XX/XX/XXXX 's before time allowed but it came upon deaf ears. I called XXXX explaining problem and was told to file a complaint. I did and it was forwarded to the XXXX in the area of the credit card company. I received an email 30 days later from a Kohl 's representative who didn't even address the issue, or even seemed to care about their errors and instead told me I did have to pay. I was allowed to accept or reject this response. I rejected and soon after submitting it, I received an email from XXXX saying the case was considered closed.
Product: Credit reporting

Over a month ago, i filed an dispute with Experian and advised them that reporting on my credit report that inquiries stay after one year is false. I advised them to delete the inquiries at the two year mark exactly.. Experian did not send back to me any results and the following inquiries are in my file : XXXX XXXX XXXX, XXXX Bank XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX card XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It didn't give me the option for which I need help with I was contacted about eight months ago telling me I was part of the data breach my information was at risk they had me fill out some paperwork I did paperwork it was the part of the Equifax data preach I could be in for 3 years trying to tell everyone including FTC you guys FCC Washington consumer credit all the major credit reporting companies and not one person ever told me about this effect data breach not that they had to but I filled out the proper paperwork they told me that it was going to go through some lawsuit it never did that I'm aware of I never been contacted about it ever again I need to know what's going on and never informed why when I did information to be compensated for whatever I put out there because I did have to do a lot of research I did have to do stuff on my own to protect my own credit I was promised they would monitor it they never did I want to know step by step what's going on and what happened and no one is trying to help me in the situation
Product: Credit reporting or other personal consumer reports

My credit file appears to have been compromised again. Upon reviewing my records, I found numerous items that do not belong to me. According to my research, under Section 605b of the FCRA, you are legally required to remove any items identified as fraudulent due to identity theft. These disputed items do not belong to me. Please remove them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : - XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$25.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$400.00} XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$70.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$150.00} IXXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft SYNCB Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft USDOE/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft USDOE/XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX SYNCHRONY BANK Account Number : XXXX This is not mine. 

7. XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX  XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; 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
Product: Mortgage

Wells Fargo XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX I have a home equity line of credit ( HELOC/ {$18000.00} ) with another lender, which was to be subordinated to a refinanced mortgage at Wells Fargo ( WF ). However, at the closing ( Thu, XX/XX/2020 ) there was a document stating that I had received funds to pay off the HELOC and I was to close the account. I tried calling the WF rep because this was not accurate, but only got her voice mail. The notary called her rep, who replied I needed to call Wells Fargo. Needless to say, I did not sign that document. At the notary 's request, I texted her my reason for not signing it so she could convey it when turning in the packet. The packet also included the correct subordination document, which I did signed. 

On Friday, XX/XX/2020, I emailed WF to inform them that I could not sign the HELOC- Authorization to Close Account document because it was not correct. 

It was not until Monday XX/XX/2020 that I received a copy of the closing packet. While reviewing it, I noticed someone had forged my signature on the HELOC-Authorization to Close Account document. I recontacted WF and XXXX XXXX XXXX XXXX reiterating that I had not signed it, but someone else has. XXXX XXXX XXXX XXXX stated that is how they had recieved the documents. ( It appears that XXXX XXXX XXXX XXXX subcontracted to another company XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX also stated that they would remove that particular document. 

The companies involved must be held accountable for blatantly forging a signature that creates a financial liability on someone. 

Laslty, they also sent closing disclosure ensecurely via email. That is likely a violation of California and Virginia privacy laws.
Product: Credit card or prepaid card

ON XXXX XXXX 2 CHARGES TO XXXX XXXX 1 CHARGE FOR {$750.00} AND {$140.00} ALSO XXXX  FOR {$13.00} i HAVE REPORT TO THE LOCAL POLICE OFFICE AND RECIVED AN REPORT, I HAVE ASKED THE COMPANY TO ASK THE STORES FOR SIGNATURES AND SURVEILLANCE FOOTAGE.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Federal law, I have a rights to an Fair and Accurate consumer credit report.You have failed to do so. Im demanding to know HOW DID YOU VALIDATE, VERIFY, this Debt by Federal law. Every month SOME companies are reporting newer accounts on my consumer report. 
This is damaging to my FICO score continues artificially. 
Show me physical contractual agreements with the reporting companies? 
According : FCRA. FCDPA if not remove immediately.

Violation of Section 807 15 USC 1692e Violation of Section 805 15 USC 1692C ( b ) Violation of Section 809 15 USC 1692g You have not provided me with Any Original signed contract agreements in PLACE with me and these Companies, nor any type of written permission to communicate with me. Yet they are Reporting on my credit report, which isa form of communication.I have also file a complaint with Federal Trade Commission about this reporting abuse to my consumer report.
Product: Bank account or service

My complaint concerns : Bank account fees all credit and retail cards. It is a disgrace that the banks and retail are making money by charging high over draft fees. All charge XXXX . I had to cancel my bank account because of those fees. It cost me! XXXX of my social security check. I had made a mistake when I used my on Line Banking account with Wells Fargo. I also had a problem with Target. That overdraft fee was XXXX dollars because my last payment arrived on time but was a dollar short. Needless to say I cancelled the card .and paid them off. We are in a depression. Banks and retail love it. They make a lot of money with it, in today 's times. The lower middle class is suffering enough, and all the poorer folks are really suffering. The outrageous fees are not helping any one except the banks. Yes they all have a one time grace period but after that, there is no reversal of fees. They are making XXXX dollars. This system is a self defeating cycle. 
This issue needs to be addressed. Who decided that fee, and why is there no competition among banks to make it lower? I can only hope more people like me make a complaint in order to change it. 
XXXX XXXX, XXXX NC XXXX
Product: Credit reporting or other personal consumer reports

I've sent in several requests and spoke to several experian representatives and supervisors about having the incorrect address on my file. I've sent several disputes and several FTC reports showing the incorrect address on my file. Experian claims they can't remove this address because it's associated with other accounts, I've disputed every single account that has that address attached and Experian has failed to comply with my request. As part of the FRCA, it is my right to have the correct information reported to the credit bureaus. I am asking that you hold Experian accountable for their actions of not fulfilling my request and not updating the correct information on my report. I've attached several prevalent documents including a police report with my information on it. I've also attached my ID with MY CURRENT address, where I've lived at for the last 10 years.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing a letter of dispute. I have included a copy of my driver 's license and social security card to validate my identity. In accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( hereinafter referred to as " FCRA '' ), your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report.

I am formally requesting verifiable proof of the original consumer contract with my personal signature on the record.

I have listed the accounts below in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA, unverifiable accounts must be promptly removed.

I formally demand the following negative account records to be verified and/or removed immediately.

Must provide proof of all your verification of the debt Explain and show me how you calculated what they say I owe Provide me with copies of any papers that show I agreed to pay what they say I owe with the original contract and my signature Identify the original creditor Provide a verification or copy of any judgment ( if applicable ) Please provide proof of the debtor, that they are licensed in my state and provide me with their license numbers ( if applicable )
Product: Credit reporting or other personal consumer reports

i keep reporting and still on my report please remove it XXXXXXXX XXXX XXXX XXXX called not mine fraud fraud 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 15U.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: Debt collection

2 Years ago Commonwealth Finance tried to put a debt of {$730.00} that was not owed by me into collections and I received a derogatory mark on all 3 of my credit bureaus. I called them and explained that they had the made a mistake and my last name is different than the person who had the collections account with them. They removed the account from all 3 credit bureaus and now 2 years later they randomly popped back up into my credit report. They are trying to intimidate me to pay a debt I do not owe. I get calls every day and it is driving me insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report with all XXXX bureaus and they are currently reporting inaccurate information on my behalf and it is resulting in damages as Ive been denied for several credit cards and loans due to this billing error. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to US 15 USC 1681a ( 2 ) ( a ) ( i ) the term credit report does not include, subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report so you are in violation of my rights by furnishing this information on my credit report due to all transactions and experiences are NOT supposed to be included in my credit report. 

Also according to 15 USC 1666B, 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. 

Lastly, according to 15 USC 1681s-2, ( 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

You must remove these items according to the FCRA laws listed above. I have never been late on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I sent a letter to XXXX and XXXX to validate an alleged collection account. I did not receive a response. I then sent Transunion and XXXX a validation of debt letter in XX/XX/2022. I did not receive a response from either, but they both updated the comments with it showing dispute resolved.
Product: Credit reporting or other personal consumer reports

My personal information was breached through a XXXX XXXX in 2020. I alerted the credit reporting agencies and my current creditors. I recently pulled a copy of my credit report and noticed accounts and inquiries I have not authorized or have any knowledge. I've contacted the CRA 's twice requesting verification with no formal response. 

I have a right to privacy, reporting accounts to my profile without my written consent is in violation of 15 USC 1681.

After investigating these accounts are being reported due to identity theft. Furnishing accounts to my credit profile in direct relation to identity theft is in violation of 15 USC 1681 c-2. 

I also noticed a slew of addresses being reported that I have never resided nor have any relationship with. These addresses being reported are affecting my true identity and my ability to obtain credit.
Product: Checking or savings account

Cashapp denied me access to my account XXXX. Would never allow me access to my account. XX/XX/year>, talked to an employee, he literally told me that I " couldn't get my money, .... And goodbye ... ''. So. I asked if he was taking my money? His response was not favorable and hung up.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan for solar installation with goodleap. The loan was structured to pay down to a target balance after 16 months, to keep the monthly payment the same or ; if it was not paid down to the target balance it would increase to a higher monthly payment amount. 

I contacted the company back in XXXX to determine the exact amount I needed to pay to reach the target amount and was told I would receive a letter closer to the due date XX/XX/XXXX. I waited and never received the letter. I called back and was told the amount I needed to pay XX/XX/XXXX to keep my monthly payment the same. I paid the company on XX/XX/XXXX, the exact amount requested, which they confirmed they received and has cleared my bank. 

I then received notification, late XXXX, that my monthly amount due was increasing and on XX/XX/XXXX and they would draft the higher amount. I contacted the company immediately, provided all information requested, and was told that the information was sent to the accounting department and someone would call me back after investigating. Since then I have called back and been told the exact same thing several times. 

Today, I checked my bank and noticed that the higher amount was drafted. I contacted GoodLeap and again was told that the Accounting Dept. was investigating. I asked to speak to someone in the Accounting Department and was told that I can not be transferred. I believe that this company may be taking advantage of unsuspecting consumers. They need to be investigated.
Product: Credit reporting or other personal consumer reports

I called to dispute the information on my credit report with account XXXX  ( automoblile loan ) and was constantly put on hold and for long periods of time and representative never came back to the phone. This account was paid out and should be closed. The account was paid by my XXXX  XXXX  and my gap insurance company, paid in full and should be showing closed in good standing. The rep constantly kept placing me on hold for long periods of time that I ended up hanging up after being on the call for so long.
Product: Checking or savings account

I have US Bank XXXX credit card. US Bank sent me an email to open Business checking account ( online ) with promotion ( {$300.00} cash back ). On XXXX XX/XX/2022, I tried opening the account online and it was approved. But I didn't " got any email confirmation about my a/c # and routing #. So i called US Bank twice during last 4 days. Either US Bank customer service is unsure that account opened or asked me to call later. I have no idea what's going on? On XXXX XX/XX/2022 call, I was told that business account can not be opened online.
Product: Credit card or prepaid card

I went to make a purchase online using my credit card. The transaction was declined. My bank advised me the transaction was being routed through a XXXX bank. Soon after I started getting calls from XXXX ( a Michigan # ) trying to get information about my card for a better rate. This is clearly an attempt at executing some type of fraud.
Product: Credit reporting or other personal consumer reports

I submitted a request to update my late payment account for XX/XX/XXXX. XXXX did not update the late payment even after receiving the payment history showing that a payment was made on XX/XX/XXXX and deducted from my XXXX XXXX account on XX/XX/XXXX. My due date for XXXX XXXX is the 1st of each month. 

I have attached my bank statement and the payment history from XXXX XXXX indicating XX/XX/XXXX was not late past 30 days. 

I made two payments in XX/XX/XXXX. Please see page 2 and page 5. 

Transunion is still in progress.. however, I am submitting updated information to verify the payment was made for XX/XX/XXXX. 

XXXX was updated to 100 % late payment. 

XXXX completed the late dispute on XX/XX/XXXX and no changes were made. I have sent XXXX a copy of my payment history as requested and still no changes. I am submitting my bank statement as another form of proof.
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 XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXXXXXX XXXXF XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXL XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX Balance : {$600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX