23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I sold our house with a short sale on a closing date of XX/XX/XXXX due to extenuating circumstances. The mortgage was held by Wells Fargo and the closing completed by the law firm of XXXX in XXXX, CT. Wells Fargo did not process the closing correctly and I received a negative report on my credit stating that my husband and I were late on mortgage payments for the months of XX/XX/XXXX and XX/XX/XXXX. We did not own the house during these months. I disputed this through Wells Fargo and they denied my claim and put a Compliance Condition Code on my Credit Report. I asked to have this code removed from myself and my husband 's Credit Report. Wells Fargo told me that I could only have the Compliance Code removed if I agreed with them about their findings. I told them I just wanted to the code removed. I was informed by a XXXX that upon removal of the code, my credit number would not be effected. The code was removed and within 1 day my credit score dropped over XXXX points as reported by XXXX on XX/XX/XXXX. Comments were added and changed on my credit report. Now, my husband and I still have the late XX/XX/XXXX and XX/XX/XXXX payments for a house we did not even own and I have a worse credit report than before I filed the dispute.
Product: Credit reporting or other personal consumer reports

I spoke to Equifax about an a fragile account that was on my credit report. I sent a FTC report on XX/XX/XXXX when I gave it a week I called them to verify if they had received it. Equifax stated that they never received FTC report but they received documentation about an account thats fragile that started at XXXX. When I called today. They claimed that they had received documentation which they lied on recorded line And stating that they can not remove it, but I explain to them the count is fraud. It should not be reported if I have a FTC report I wind up sending a new FTC report to them because they have an existent FTC report that I filed in XXXX and they refused to remove that account which is fraud.
Product: Credit card or prepaid card

I have been banking with Wells Fargo since XXXX when it was XXXX XXXX. 

My local Wells Fargo branch in XXXX XXXX XXXX MD is where I did the majority of my banking. 

I would go to the branch to do deposits and my account was a primary checking account preferred customer. One of my children is XXXX and would be with me and her attention is very short. 
The sales associates at the front counter were always trying to get me to sit down with one of there sales banking representatives or the manager. I explained many times I was ok with my account at there bank and was not interested in other bank services.This harassment went on regularly. 
We ran into some financial difficulties with my child attending hospital and getting XXXX XXXX outside the home.We defaulted on our junior lein on our home. 

Recently Wells Fargo contacted me about our accounts with them and reviewed the history with me. XX/XX/XXXX there is a credit card denial and went over the reasons. 
I have an active credit card with Wells Fargo for many years. I never applied for this card in XXXX and they said they have no history of me applying .This is identity fraud FULL STOP. 

In XXXX I did apply for a home equity loan with Wells Fargo to pay our delinquent junior lein on our home. The application was denied because of the serious delinquency we had. 
I can understand why they rejected the home equity application but I feel when we were trying to building our credit score back up sales representative runs my credit and tried to open a credit account so he could earn commissions.

My credit score would drop down more when the rep pulled my credit for the credit card. 
I am trying to rebuild and some sales representative drags my score down more. 
I would like to talk to some senior management on this matter. 
Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act Equifax has violated my rights .15 U.S.C 1681 section 602 A states I have a 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.
Product: Checking or savings account

On XX/XX/XXXX, I received an Overdraft fee on my account. I was told even though two checkcard transactions were not posted to the account and were still pending, I got an OD for a XXXX transaction that occurred on the XX/XX/XXXX which left my account negative - {$1.00}. The fee was {$35.00} I called to see about getting the fee reversed Spoke to XXXX at approximately XXXX XX/XX/XXXX. Bank of America. representative refused to assist stating that BOFA does not do courtesy refunds, and this is not a bank error. However I believe it is a bank error. A deposit was scheduled to go into the account on XX/XX/XXXX however it did not show up until the morning of XX/XX/XXXX ( Convenient for the bank ). There was also two other deposits done through the mobile app, that were showing a posting date of XX/XX/XXXX. Because of the delay of the deposits, and also the bank allowing checkcard transactions to go through ( when I specifically did not ask for Overdraft Coverage ) I was charged an Overdraft. I told the representative this was a violation of the Dodd-Frank act which is supposed to protect consumers in situations like these and not allow checkcard transactions to go through, so that banks could charge fees. She disagreed, stating that it was the paypal transaction that was done on the XX/XX/XXXXthat I was charged a fee for, even though the amount was only {$1.00} in the negative and there was 3 deposits pending. If this is not abusive and predatory, I don't know what is! She told me if it was XXXX XXXX, then I would have still gotten a fee. After waiting a very long hold time, I finally spoke to a supervisor, named XXXX. He expressed he did not think the fee was predatory but just an oversight on my part and recommended that I keep a ledger to keep track of my transactions better. 

It may not seem like a lot of money, but the reason for my complaint is, if this could happen to me for one small fee and overdrafting my account for only {$1.00}, I can only imagine how many other people are being treated unfairly. This is the first time I have ever asked for a courtesy reversal, and also the first time I can recall ever having an overdraft. 

The representative was rude and cut me off several times mid sentence not allowing me to finish my sentence, and i was put on hold so I could register a complaint, and then put on hold again after asking to speak to a supervisor. The call in total lasted 1 hour and 18 mins, most of that time on hold waiting to speak to someone. Besides the poor customer service, this is completely unacceptable and in my perspective a violation of the Dodd-Frank Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation, idtheft report, po report inaccurate information reporting best of my are not mine ( knowledge of accounts ) are unaware XXXX breach has cost me my life
Product: Credit reporting, credit repair services, 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 XXXX Account # XXXX Account name : XXXX XXXX Account Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX  Account # XXXX Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Debt collection

After speaking with the company twice and confirming my proper contact information they continue to contact my family members after being told not to numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus XXXX, XXXX and Equifax are reporting this account named XXXX XXXX in my credit file. 
This XXXX XXXX account does not belong to me. 
I have disputed this alleged debt/ in my credit file account 3 times. However, the credit bureaus refused to delete it from my file. Instead their reply to my deletion request was verified the account belongs to me. I asked for proof of the validation but was never provided such. I need this account removed from my credit file because it does not belong to me. I also need any information that the credit bureau have from this creditor so I can file this case as identity theft being the credit bureau said they verified the debt was mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. Pursuant to XXXX5 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction in the letter I sent. XXXX, Equifax, and XXXX violated my rights as a consumer, I also included a screenshot of the law
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts below was paid and closed. However it states that the account was 4 payment late. The account was never in delinquent. I contacted all three credit bureaus to correct the issue. All three informed me that the account was verified. All three credit bureaus was ask to provide verification, but failed to provide verification information. Im requesting that this account be deleted or updated on my credit report. 

Account Name DEPT OF ED/XXXX  Account number XXXX Loan Amount {$6000.00} Account Name DEPT OF EDXXXX  Account number XXXX Loan amount {$2600.00} Account Name DEPT OF ED/XXXX Account number XXXX Loan amount {$4000.00} Account Name DEPT OF ED/XXXX Account number XXXX Loan amount {$2200.00} Account Name DEPT OF ED/XXXX  Account number XXXX Loan amount {$3500.00} Account Name DEPT OF EDXXXX  Account number XXXX Loan amount {$3000.00}
Product: Credit card

my XXXX Fortiva bill I was charged a {$30.00} late charge because my XXXX payment didnt go thru. The XXXX payment didnt go thru because the card expired and I didnt know. I corrected it immediately. They gave me the {$30.00} late fee credit. The XXXX bill was {$76.00}. Usually its {$61.00}. When I called in XXXX the rep told me the XXXX bill would be corrected. Now the XXXX bill is still {$76.00}. I called today ( XXXX ) and now Im being told its XXXX bill. So basically they reversed the {$30.00} late fee but still charging the the {$30.00} late fee by charging an extra {$15.00} in finance charges and I disagree. Its a scam!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I notified and send out certified mail to XXXX XXXX, EQUIFAX and Also XXXX notifying them that I have information on my credit report thats does not match across all 3 credit bureaus I have not been answered back about any information regarding that information. I stressed in my letter that I demand to see proof of all verifiable documents and the original contract for the consumers on my credit repost with my signature on it I have yet to hear anything.
Product: Vehicle loan or lease

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XX/XX/2020. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT or REMOVE a portion of the data in my credit document. Also I found out that there are still a few records that are reporting on my file. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records and I want it to correct. XXXX XXXX XXXX Balance Owed : {$800.00} - How can you report this account as Late when my record shows that this account was Paid as Agreed. Please adjust immediately. XXXX XXXX Balance Owed : {$29000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. XXXX XXXX Balance Owed : {$12000.00} - Please check the Payment History and Status information on this account and adjust accordingly. XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5800.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX XXXXXXXX Balance Owed : {$9900.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. XXXX XXXX XXXXXXXX Balance Owed : {$820.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.
Product: Checking or savings account

On XX/XX/XXXX, I deposited {$1600.00} into my Bank of America account in preparation for a flight outside of the country. I received a receipt of this deposit and stored it along with my debit card in my wallet phone case. The following day on XX/XX/XXXX, I mistakenly lost my phone while out purchasing food. I immediately tried to access my Bank of America account online through a computer in order to lock my debit card. Bank of America asked to verify my login by using my phone number but it was impossible for me. They did not allow me to verify my login using my email. I tried calling them through an alternative phone but I was left on hold or a representative never called back. On XX/XX/XXXX, I obtained another phone and transferred my phone number and it finally allowed me to verify my login with Bank of America. Upon opening my account I immediately locked my debit card and noticed a purchase for {$1600.00} dating to XX/XX/XXXX, to a vendor I have never used before. At that very moment I called Bank of America and started the process for the fraud claim. They sent me a new debit card and promised that I would receive my stolen money back since I was not liable for the purchase since I did not have access to my phone at the time. On XX/XX/XXXX, they sent me a message stating that my money would not be returned and the claim was closed. I asked them for more information but they only gave me a basic answer that the transaction was authorized, even though I clearly stated that I did not have access to my phone. I immediately requested that they reopen my case and thoroughly investigate any IP addresses or any other information that could prove their decision. They reopened my case and again closed it on XX/XX/XXXX stating that the transaction was authorized. I have called their fraud department multiple times since that day in order to either request more information or for them to reopen my case but their phone response is due to extenuating circumstances a representative can not take your call at this time. They are basically avoiding me and labeling me a fraudster. I have been with them for many years and this was the first time Ive ever opened a claim with them.
Product: Debt collection

I have no recollection of any medical bills unpaid by me, I have not been to a doctor in over 2 years. I have not received XXXX phone call, letter, or email. I think this is a scam.
Product: Credit reporting or other personal consumer reports

Equifax is reporting an account in which I asked that they validate by providing to me the original contract with my signature and payment history of the account in which I have disputed to a third party collecting agency. I demanded a reinvestigation and have gotten no response.
Product: Checking or savings account

I reached out to cash app several times about a charge that was unauthorized. I asked cash app to provide information on who the payment went to and was told to wait 10 days for a response. Within 2 days I received emails stating my case was closed because I didn't respond or some other reason. It wasn't fully investigated. I asked fir a proof document and it was basically a print out if the transaction. Cash app seems to think this is okay and it's not. I was told someone in my household authorized the transaction ... I live with my dog so unless she did this I don't know who else is in my household. They are horrible. I just want my money back and the account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted on my credit report immediately, I will be forced to contact a consumer rights Law Attorney and sue on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies ( Equifax, XXXX, XXXX ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.
Product: Credit card or prepaid card

Capital # XXXX The merchant showed a transaction signed by my nephew ( secondary card holder ) I am not doubting this. I paid graduation ceremonies for {$210.00}. This was to be held on XX/XX/2021 but cancelled due to COVID till XX/XX/2021. My nephew 's XXXX  expired on XX/XX/2021 and had to return home to XXXX. Thus, I am asking chargeback for services NOT rendered. 
Breakdon of fee is as follows : Cap and gown rental XXXX XXXX XXXX Cap and gown refundable XXXX Ceremony photographer XXXX Graduation Activity Fees XXXX Gradusation Fees XXXX Total XXXX XXXX {$210.00} ) My concern is why should I pay for ceremonies and cap and gown when cancelled. 
I returned cap and gown and promised refundable part XXXX XXXX XXXX XXXX to my nephews bank account which was closed due to his return to XXXX All charges are related to graduation ceremony and auxiliary activities ( venue, photographer ) After 2 letters to Capital and two tries to request written response from Finance Dept without response, I hope my case is clear to continue with dispute Assumption XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel : XXXX Fax XXXX
Product: Credit reporting or other personal consumer reports

The hard inquiries listed on my credit report were not authorized by me and do not belong to me. I believe they are a result of unauthorized activity or potential fraud. Specifically, the following inquiries need to be removed. 

XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX  TransUnion I request an investigation and the immediate removal of these inquiries from my credit report, as the were not initiated or approved by me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute to remove and taking over 30 days I am asking to have resolved by removing all Covington credit account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with XXXX XXXX OR their client ( XXXX ) I do NOT owe {$620.00} and I do NOT have 1 month terms with them OR their client. This information is FALSE and DOES NOT belong on my credit report