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

I require your help to resolve the issue of an incorrect account on my credit report. This has been detrimental to my reputation as a customer, and I am asking for these accounts to be removed due to their inaccurate and negative reporting.
Product: Debt collection

Never received a debt validation letter from this company via mail or electronically.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I took my XXXX XXXX XXXX daughter to a car lot o look for a car. We told the salesman that we were going to look around. He kept asking for my information and I only gave him my name and stated I was not ready to proceed and did not want my credit ran until I had made a decision. There was a car that my daughter liked and she gave him a check to hold for earnest money deposit. She later went back and picked up the check because we found another car she liked better. This salesman contacted my daughter on XXXX and hounded her as well as somehow found out my employer and contacted them trying to reach me.I do not know how he got this information. He also made a hard inquiry on my credit without my consent. This is still showing up on my credit report after I contacted the company Hoffman Auto Sales in XXXX NC. I explained to him that I did not authorize him to pull my credit and that it was extremely unprofessional of him to contact my XXXX XXXX XXXX daughter on XXXX as well as " dig '' into my personal information to find out my employer, contacting them just to hound me about buying a car from them. I reported this to the manager of the dealership but was never giving any resolution or contacted further.
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 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  and list of Inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXBalance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2016
Product: Credit card or prepaid card

The company is Fortiva Credit card company. My monthly payment increased by nearly {$20.00}. I contacted the company, they said it is because I have been with them for 1 year, I have to pay XXXX maintenance fee, and outrageous interest. I also paid a XXXX annual fee. Asked to have it removed I was told it is part of their fees.
Product: Debt collection

Medicredit, Inc. has called me from XXXX and hangs up after a recorded message. I performed a reverse telephone number search and saw they were a collection agency. The Medicredit invoice/statement just came in the mail, dated XX/XX/2019 and they have already started harassing phone calls 2 days after mailing, much sooner than the 30 days before their due date to respond. I called them back and I told them that the medical bill that has the same total amount due has been paid and if they contact the creditor agency they would confirm the bill has been paid, but they refused to talk to me unless I reply back to their questions that involved very personal private information that would allow IDENTITY THEFT under the guise that they needed to verify who they were speaking to. I refuse to give out such private protected information over the telephone, especially to anybody I do not know. The Creditor Name and Creditor Account number do not match the doctor 's office bills ... so evidently they also do not keep good clean records. 
PLEASE address this issue of their hang-up calling to bait people into calling back, and their requesting very private personal information that easily could be used for Identity Theft. Their agent on the telephone got to the point of rude verbal harassment, so I just hung up.
Product: Checking or savings account

Complain against XXXX XXXX XXXX XXXX, at ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ) or at ( XXXX XXXX XXXX Suite XXXX XXXX, TX XXXX XXXX ). 
Phone number : XXXX I opened My Credit Builder Account on XX/XX/XXXX, a few months later they told me that I was qualify to open XXXX XXXX XXXX XXXX XXXX Account then I opened XXXX XXXX XXXX XXXX XXXX  Account on XX/XX/XXXX since then they never ask me for any bank statement until after I decided to close XXXX XXXX XXXX XXXX XXXX Account on Tue, XX/XX/XXXX at XXXX PM in order to receive my fund in my personal bank account linked to XXXX XXXX XXXX XXXX XXXX  Account. I did send my bank statement multiple time and they still holding my fund since today XX/XX/XXXX, I have no idea for how long they want to play me, I have proof that I sent them the bank statement. 

I am complaining because I been sending my bank statement over and over to them and they acting like they never received it.

1 ) No First Call Resolution, 2 ) Lack of Follow Up, 3 ) Ignoring or dismissing the complaint, 4 ) Acting as if it isn't worthy of addressing. 

Also I been calling every other day since XX/XX/XXXX, - Their customer service representatives are always Uninterested to resolve the issue. 

- When I ask to talk to the customer service representative supervisor they let me on Long Wait on Hold .... and never get back to me until the phone call stop by itself. 

- Their customer service representatives Making me repeat the problem over and over, I explain them the same thing over and over. 

I am dissatisfied To resolve this problem I would like XXXX XXXX XXXX XXXX, to release my Pay Out in my personal bank linked to XXXX XXXX XXXX XXXX XXXX  Account. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney XXXX office. 

P.S. Be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of my communications with you.
Product: Credit reporting or other personal consumer reports

For any account that is alleged to be derogatory, I would like evidence showing why the credit bureaus and the company that provided the data to the bureaus consider the financial status of the liability under the law that the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ) allows for a violation of both FRCA AND FDCPA. It appears that it can not be determined in irrefutable fact ( as required ) that everyone and all the ACCOUNTS in question were or were not handled properly when they were transferred. I am enacting both my consumer rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to equivalently provide me with written documentation of the deletion of this erroneous information for every one of the unproven or else otherwise not lawfully compliant reporting of accounts, which obviously are in question. Consumer Financial Protection offices ( regarding this unforgivable and extremely injurious error in your clear misreporting of illegal misinformation ) I requested the following account be put in disputed status and the never were. XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used vehicle on XXXX XXXX for a XXXX XXXX XXXX from XXXX  car dealership in XXXX ca. My husband cosigned the car and the company had me forge his signature on the paperwork numerous times. I couldn't make payments on vehicle so I posted an ad on XXXX for take over payment option and XXXX cash for my down payment I paid. Signed contract with the guy who responded and he signed contract. He sent me copies of fake money orders for 4 months showing he was paying the payment. I contacted XXXX and told them where to find vehicle so they could get it back. They am said they would put. A voluntary repo instead of a charge off on my credit report. I have disputes this numerous times and been told info is accurate. Now XXXX XXXX  goes into my credit report two times every three months reporting new info which in turn messes up my credit score and appears that I have never paid a cent on loan and they sold vehicle for XXXX at auction but wont show me proof I have asked three times. That was a brand new vehicle they did not sell it for XXXX at auction. This account is closed and has been since XXXX. 
This was a predatory loan and a fraud since only I was the one to sign for my spouse and myself.
Product: Credit card or prepaid card

There was a double payment made to my target card. Target claim I made a phone payment that I did not make that caused a bunch of confusion. I need them to prove that I made a phone payment I want to hear the recording that I made a phone payment. This caused all the issue and now I am being held responsible for a returned payment. I will file with the court house if I don't have clarity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My sister informed me that I received a letter in the mail at her home address were I have never lived before stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and other accounts that had been opened under my name. These accounts are not mine. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX {$210.00} XXXX   XXXX
Product: Credit card or prepaid card

I live in Washington State and went to XXXX. XXXX for the weekend with my wife. 
We made a couple of charges on our credit cards. XXXX XXXX  charged a foreign transaction fee and discounted the charge to the US - XXXX rate, which is OK with me. However Bank of America charged a foreign transaction fee and DID NOT discounted the charge to the US - XXXX rate. 

This is like double dipping to me. The discounted rate at the time was 30 % to 24 % depending on who you are dealing with. ( XXXX XXXX was 24 % ) With an exchange rate of 24 % Bank of America is making an additional {$200.00} plus the foreign transaction fee of an additional {$26.00}. 

These charges are unacceptable and unfair to the consumer.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with Ally Financial. I do not have a contract with Ally Financial. They did not provide me with the original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to a previous complaint of inaccuracies on my credit file with XXXX XXXX # XXXX After receiving my Tri merged credit report, I have noticed that there are still extensive inaccuracies still not corrected on my credit file. egregious and erroneous errors on my consumer have led to me being denied being able to access credit. I now know it is my right to have inaccuracies corrected. account type detail, date opened, balance, term, past due amount, payment status, last reported, last active and last payment. All of these are vastly inaccurate, and this is after XXXX XXXX/ XXXX XXXX/ XXXX experian complaint and these still appear on my consumer report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly Investigate my disputes regrading inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with the necessary proof of investigation. Accounts are listed below. 

Account Name XXXX XXXX XXXX XXXX  Account # : XXXX Amount : {$3300.00} Account Name : XXXX XXXX XXXX Account # : XXXX Amount : {$560.00} Account Name : XXXX XXXX XXXX Account # : XXXX Amount : {$690.00}
Product: Debt collection

I have requested proper legal documentation from LEVY & ASSOCIATES LLC ( XXXX XXXX XXXX ) XX/XX/2019 XXXX XXXX. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 78 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit card or prepaid card

On XX/XX/2020, Wells Fargo all of sudden closed my two personal credit cards ( ending with XXXX and XXXX ) and forfeited all reward cash and points I have earned for last 6 years. The total amount of cash back and points were worth about {$2000.00}. 
I have contacted their customer service several times and they had no clue what happened and didn't provide any helpful solution.
Product: Checking or savings account

There are two checking accounts. One is a joint account with my spouse and the second account is an individual account. The individual account was opened approximately one month ago to keep records clear and for tax reasons. It was opened as an individual account for efficiency reasons due to both myself and spouse working full time. On XXXX at XXXX a check in the amount of {$160000.00} written to XXXX XXXX XXXX myself and XXXX XXXX was deposited into the individual account with Bank of America after properly being endorsed by all parties. Bank manager refused to deposit into individual account and deposited into joint account. Since the check was drafted from another Bank of America account the check 's fund were to be available the next day. At XXXX, on Friday I called Bank of America to ask about the policies and procedures that precluded a properly endorsed check from being deposited as requested by the bearer of the check. No explanation was provided so I asked for a complaint to be filed so I could get a proper response. I wanted to avoid future deposit difficulties. At XXXX XXXX  Bank of America placed the funds on hold and indicated these were not to be available until XXXX. My online banking indicates that the funds were deposited and subsequently withdrawn without my authority. On information and belief, the hold was placed as retaliatory due to my request for policies and procedures and an explanation for the aforementioned practice of not allowing a properly endorsed check to be deposited into my individual account. The drafter of the check is from Bank of America and not from another banking institution. This is the second check in the last couple of weeks that was drafted from the same entity to the same individuals with the previous check not been placed on hold ( approximate amount of check is {$80000.00} ). 
I have four questions : 1 ) Bank 's practice of restricting a properly endorsed check to be deposited to individual account and into a joint account when the funds can be simply withdrawn the following day and move from account to account ; 2 ) Bank 's practice allowing funds to be deposited and subsequently withdrawn without my consent ; 3 ) Bank 's practice of not having a complaint center that can properly handle consumer 's complaints that subsequently result in retaliation against consumer ( ie step no.2 ) ; and 4 ) Bank 's authority to hold my funds, utilize these funds ( since the check came from/to Bank of America ) to the detriment of a consumer.
Product: Mortgage

My name is XXXX XXXX and I am trying to find out from Wells Fargo Home Mortgage why has my mortgage payment went from {$860.00} to {$1300.00}. The Loan Number for this complaint is : XXXX XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA. XXXX. 
I need a complete detailed break down of all charges that Wells Fargo Home Mortgage is charging me for this mortgage including any escrow charges and any Escrow disclosures explaining exactly why my mortgage went from {$860.00} per month to {$1300.00} .If this charge or any charges on this mortgage are incorrect or in error or misapplied by Wells Fargo Home Mortgage please immediately send directly a refund by check to me and my husband. 

XXXX XXXX
Product: Checking or savings account

I had a charge from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$390.00} XX/XX/XXXX. The hotel was brand new with amenities. The hotel stated they hand an indoor pool which is the reason I chose this one because I knew we would be staying inside the whole time. The pool was not finished and that ruined our stay for the kids which made it miserable for me. I disputed the amount with the hotel and with Navy Federal put neither company empathized with me as I se we wasted our money. There wasn't anything I could do during our stay because my Fianc was in meetings the whole time and we weren't able to change hotels.The clerk at the hotel told me they were still under construction. They should not have the amenities posted misleading customers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Request for Account Details Dear Sir/Madam, I am writing regarding the account listed under my credit report with the following details : Account Number : XXXX Creditor Name : XXXX XXXX Services XXXX XXXX XXXX to clarify that I am not disputing this account. However, I kindly request the following information for my records : XXXX. The Date of First Delinquency for this account. 
XXXX. The Date of Last Payment made on this account. 
XXXX. The Date of XXXX for this account. 

Please provide the requested information in writing at your earliest convenience. I appreciate your cooperation in this matter. 
Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove any 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 ) you are required to remove/block any items or information not later than 4 business days after that Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$80.00} ( Original Creditor : ) XXXX : {$650.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX & XXXX XX/XX/XXXX