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

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXXXXXX XXXX.
Product: Debt collection

William & Fudge , Inc. is requesting over the 8 % maximimum rate of statutory prejudgement interest as allowed in the Mississippi Code XXXX. I received a call from William & Fudge in XXXX XXXX stating I owed a debt to the University XXXX for a private student loan, my agent stated his name was XXXX XXXX The loan balance at the time included XXXX for the principle, XXXX for interest and XXXX for collection fees. The company confirmed that the collection had only been with their agency since XXXX XXXX and I requested a calculation of how the collection cost had come to over XXXX in such a short period of time, they were not able to answer, I also requested a settlement of the collection cost, to which they advised me to contact the University XXXX . I contacted the University XXXX on XXXX and was informed by XXXX in the Bursar office that the state of XXXX does not allow for settling on the original debt ( loan principal and interest ), however the collection company may be able to negotiate their fee. XXXX also informed me that the collection cost and fees did not cumulate from collection agency to agency and the fee the William & Fudge was charging was based on services that began in XXXX XXXX. I contacted William & Fudge on XXXX/XXXX/XXXX and spoke to VP of collection XXXX XXXX, who informed me again that they could not settle on the collection fees, I asked him how those fees were calculated as the file had not been with their company for more than two months and collection efforts had not been excessive, the company had my contact number and address on file and I had been in contact with XXXX XXXX. I was provided with no response other than it is their policy. I have sent a formalized debt validation letter to William & Fudge asking for : Breakdown of the principal, interest of loan Calculation of collection cost and fees including interest you say I owe ; Timeframe in which said interest rates are being calculated ; Provide me with copies of any papers that show I agreed to pay what you say I owe. In Pursuant to the Mississippi Code XXXX the Legal Maximum Rate of Interest is 8 % ; contract rate not to exceed greater of 10 % or 5 % above discount rate Mississippi Code XXXX. Penalty for Usury ( Unlawful Interest Rate ) Forfeit all interest and finance charge ; if rate exceeds maximum by 100 %, any amount paid ( principal or interest ) may be recovered ; person willfully charging usurious rates guilty of misdemeanor and fine up to {$1000.00} Mississippi Code XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never seen this inquiry before XXXX XXXX XXXX  XXXX , XXXX- Inquiry from XX/XX/2018. Please investigate to insure there is no fraudulent activity on my credit report.
Product: Checking or savings account

Several fraudulent unauthorized charges posted to my debit card. I immediately reported the fraud to Wells Fargo and filed a claim with them. They credited my account for some of the fraudulent charges. However, they permanently withdrew money for several other fraudulent charges stating that they concluded that the charges were authorized by me and that a processing error did not occur. The charges were definitely not authorized by me. I explained to them that I have been a victim of XXXX XXXX ( i.e. fake tax return was filed ) and filed an XXXX XXXX  Report with the Federal Trade Commission. The fraudulent charges were reported immediately upon discovery. By failing to refund the fraudulent transactions, Wells Fargo has refused to honor their zero liability policy.
Product: Credit card or prepaid card

I referred a friend of mine to apply for AMEX SPG personal and business card in XX/XX/2017 for a referal bonus of XXXX spg points each. Since then, I still haven't gotten the bonus. Tried to work with Amex several times and cases were established. Still haven't gotten the points after 9 months and several hours on the phone. Amex admitted that they had problem of not registering bonus referrals for several months during that period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$34000.00}
Product: Credit card or prepaid card

XX/XX/2018 Credit Plus did not give them permission to pull my credit report!
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan of {$1000.00} with my bank and the terms of the loan were they would release {$200.00} initially and {$800.00} when loan was paid off. I paid off my loan on XXXX and was told the process for the {$800.00} would.be credited to my account by the XXXX business day. I contacted the bank on the XXXX business day and was told the transfer was rejected by the bank and has not provided a resolution
Product: Credit reporting or other personal consumer reports

I am in need of assistance with resolving a problem with the credit reporting agencies, specifically Experian. The health insurance I have through work provides me with a free XXXX device and annual premium subscription each year starting in XXXX of 2023. Sometime in XXXX of 2023, XXXX placed a {$79.00} charge on a XXXX account that I had at that time. I have never given my XXXX information to XXXX as I have never purchased anything from them and they have no reason to have it. They may have gotten it through the tie-in to XXXX where a payment method is required for use of the XXXX store which is where one would download the XXXX app. 
Despite me pointing out -and providing proof- that my XXXX device is given to me free of charge through my healthcare provider, XXXX refuses to correct the error and so does XXXX -the bank behind XXXX. I ultimately closed the XXXX account as I concluded neither of those entities were willing to look at the proofs I provided and remove the charge. 
Even so, XXXX continues to attempt to extract money from me by making another charge against the now closed XXXX account this past XXXX for {$32.00}. I only became aware of this attempt to charge a closed account when XXXX sent me an email advising me that the payment from XXXX was declined and suggesting I use a different payment method in order to keep my subscription active. Suffice it to say, I have not made any payments and the subscription continues simply because payment for any XXXX related matter does not come from me but from my healthcare provider. 
I have tried speaking to XXXX but while they can help me with the app not working or something technical, when it comes to the issue of the subscription, no one at XXXX is able to locate an account for me, further proof that that side of the business is done not with me but with my health insurance XXXX kept that credit account open and only closed it once it reached over {$400.00} balance due to late charges they added on. 
I am able to provide the email from my healthcare provider for both years advising me to take advantage of the XXXX offer and can also provide letters sent to Experian in an attempt to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax website confirmed that my personal data has been hacked. They are offering a free fraud alert at all three credit agencies, but it is only good for 90 days. I want a free CREDIT FREEZE at all three credit agencies for many years ( while the thieves could be using my data ). Not only do they NOT offer this free protection, there is NO WAY to speak to a human being at Equifax. The temporary phone number they have given is for a 3rd party agency that can not answer any of my questions, and is not willing to offer free freezes. The temporary phone number allows me to talk to a human being, but the only thing that human being is able to do is refer me to the website and other phone numbers that are PERPETUALLY busy. I am unable to contact them to DEMAND a free freeze all three agencies.
Product: Debt collection

Midland Credit Management called me at XXXX on XX/XX/year>. Caller hung up before I could get any information from him. Caller sounded male, possibly of XXXX decent.
Product: Checking or savings account

I was always getting funds froze or on hold when there wasn't any transactions. Transactions done that I never did. It was alot of problems so I closed account
Product: Money transfer, virtual currency, or money service

My phone and wallet were stolen on XX/XX/XXXX, the thief had used my XXXX  XXXX  to make various unauthorized charges along with sending {$500.00} to themselves with XXXX XXXX. Originally Chase had refunded my the money but then on XX/XX/XXXX had withdrawn the money from my bank account. I filed a police report on XX/XX/XXXX that described what was stolen and the purchases that were made as well as attempted/
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX. 

The account was 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 card

My ex-wife made balance transfers to her individual accounts in excess of {$5000.00} on XXXX of my credit cards during the six month period before commencing an action for divorce based upon NY provision that the relationship was irretrievably broken for six months prior to filing the action. These amounts have been charged off on my credit reports and my credit is ruined. I am unable to refinance my property awarded me through NY equitable distribution as a result of these balance transfers. The bank involved says that she was an authorized user on the credit cards, and that I benefitted from the transfers. Does n't the bank involved require my notification before allowing such large transfers to another credit card or issuing a direct check to the authorized user?
Product: Debt collection

XXXX XXXX XXXX. XXXX calling from XXXX. Have called daily, minus weekends, since XX/XX/2018. I Have checked my credit report and have no delinquent payments due. I have not answered their calls because it's my understanding that this company has a history of fraudulent behavior. I have their number blocked on my phone through the " Should I Answer '' app and they still are able to get to my voicemail.
Product: Credit card

In XX/XX/2023, I enrolled in a service called XXXX XXXX by Tomo Credit, which promised to help improve my credit score by consolidating payments for utilities, rent, and car loans and reporting them to the three major credit bureaus. The service was initially priced at {$8.00} per month, but without my consent, the fee was increased to {$79.00} per month. Despite the high fee, no improvement in my credit score was reported as promised.

I have attempted multiple times to cancel my membership and unlink my bank accounts and credit card information from their service without success. Additionally, despite numerous emails to their customer service and executive team, I have received no response or assistance. This lack of support and unauthorized fee increase has led to unnecessary charges without the delivery of the promised services.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached uploaded file for the letter and explanation. BMW Financial put a 30 day late on my credit report and is refusing to remove it. It was not 30 days late but then it reports on my credit report in two different months.
Product: Checking or savings account

I called XXXX XXXX XXXX XXXX XXXX XXXX  to inquire about getting help with stopping a double ACH payment from one of my credit card companies. The representative initially seemed unclear on what assistance I was requesting. After asking for clarification and telling him I wasn't confident that he understood my issue. He stated that I'd have to wait for both of the duplicate charges to hit my account and then dispute one of the charges. That is exactly what I was trying to avoid. 

The representative seemed generally XXXX and uninterested in assisting me. I kept being persistent and inquired that there had to be some way to stop one of the duplicate payments. I asked about a stop payment for the ACH and if that was possible since it wasn't a physical check. The representative stated that a stop payment could be made for {$30.00}. I asked if I could receive a courtesy waiver of the fee and he rudely stated, no. I think he was being indignant and unnecessarily rude. Also, if a stop payment was an option why didn't he offer that as a suggestion from the very beginning?!
Product: Checking or savings account

On XX/XX/XXXX ( a bank holiday ) I deposited a money order for {$190.00} at a Wells Fargo ATM. The receipt indicated that the funds would be available on XX/XX/XXXX, unless an additional hold was required. 

On XX/XX/XXXX, the transaction posted to my Wells Fargo checking account, accompanied by a transaction reversing the deposit. I contacted Wells Fargo on XX/XX/XXXX by phone, and was told that money orders must be deposited inside a branch, and that the money order would be returned to me via postal mail. 

On XX/XX/XXXX, I contacted Wells Fargo again by phone. The representative was unable to offer any information as to the reason for the reversal or what I should do, and suggested I visit a Wells Fargo branch. I visited a branch that afternoon ( the branch where the original deposit was made ) and spoke to a banker. The banker indicated that the money order was in transit and I would receive it soon. I could then return to the branch with it in order to make the deposit. 

On XX/XX/XXXX, I received mail from Wells Fargo " ATM Deposit Exceptions ''. The subject indicated " Check enclosed and deposit amount adjusted for your account ending in xxxx ''. The letter indicated the the check was not accepted because it was a " Non-Negotiable Item '' and that they were enclosing a COPY of my check. 

This leaves me with no options for receiving the {$190.00}.
Product: Money transfer, virtual currency, or money service

About 2 years ago someone bought something from me and decided to use zelle to pay me after receiving the item the person filed for a refund i thought it was a joke because I know for a fact the person received the item. At the time i was currently banking with XXXX When the person filed the claim the money came back out my account and the closed my account, I thought since i had proof that i knew the person and it wasnt a scam that i would have at least got my account back but nope i took a lost two times. One was when they took the money from me and the second time is denying me my money and account after i sent so much proof that the person received everything they paid for. The person knows me as well but that day I learned that i got scammed for service i provided. I was very upset that both companies handled this matter very poorly and still until this day i can not open a zelle account. I did everything the right way as far as fighting for my account back and still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Obtained free annual credit report from Transunion on XX/XX/XXXX. The high balance in the report for a credit card was {$13000.00} from XX/XX/XXXX to XX/XX/XXXX with a credit limit of {$24000.00}. That is a utilization ratio of 56 % which is WAY more than the 30 % utilization ratio recommended for good credit score! That number is nearly double the correct value of {$6000.00} for month XX/XX/XXXX which is a utilization ratio of 25 % ... under the good credit criterion of 30 %. The report itself shows the account balance for every month between XX/XX/XXXX and XX/XX/XXXX ( see attachment 1 ) with the value of {$6000.00} for XX/XX/XXXX. I filed a dispute with XXXX bank about the high balance being wrong. Their reply was that they had provided accurate monthly data to Transunion and had no control over how Transunion stored and used the data. I then filed a dispute with Transunion about the high balance being wrong. Their revised report still had the value of {$13000.00} BUT also removed all the monthly balances which demonstrated that the {$13000.00} was wrong. I then refiled the dispute. The reply to the refiling was " VERIFIED AS ACCURATE ''. Attachment 2 shows the report dated XX/XX/XXXX shows the incorrect {$13000.00} with NO monthly balances to show the value is wrong ( see attachment 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE THIRD TIME EQUIFAX HAS DROPPED MY CREDIT SCORE AFTER I HAVE DISPUTED A ITEM ON MY CREDIT REPORT, I WAS IN THE MIDDLE OF APPLYING FOR A HOME LOAN, NOW I CANT APPLY BECAUSE EQUIFAX DROPPED MY SCORE, WHY ARE THEY ALLOWED TO DO IS?. ALSO ACCOUNT # XXXX WAS NOT VERIFIED BECAUSE THE OTHER XXXX CREDIT AGENCIES REMOVED IT FROM MY CREDIT REPORT, SO THERE IS A MAJOR PROBLEM WHEN EQUIFAX VERIFY A ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this accounts that does not belong to me and i want them to be remove from the 3 credit reporting agencies : XXXX  1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

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

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

XXXX  1. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

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

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

Mercantile Adjustment Bureau has reported a collection account to my consumer credit file.I do not owe this alleged debt! Mercantile Adjustment HAS NOT SENT any written notice of collection to me at all. This is a strong violation of the FDCPA! If Mercantile Adjustment Bureauhas the right to collect in accordance with the FDCPA I am asking for validation of this account. This includes ALL  CONTRACTUALDOCUMENTS stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt in question in which Mercantile Adjustment has reported to my consumer credit file. Mercantile Adjustment has no legal right to attempt to collect a debt as this does not belong to me. Again Mercantile Adjustment has not validated this debt nor sent me any  notice of collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to you today to inform you that you have failed to comply with my request and you continued reporting the fraudulent accounts and information on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required to remove any accounts and information that resulted due to my identity being stolen. However, upon checking my updated Credit Report, no changes were made and that the disputed accounts and information are still being reported! This action of yours is a clear violation of my consumer rights under the mentioned federal law. I need you to remove the following items completely from my Credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If you believe that the disputed accounts and information belong to me, I need you to send me copies of proof of verification or any documents proving your claims. I would also consider you sending me copies of results of your investigation. If you can not send me any of these documents, it will be understood as deletion of the disputed items.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$5300.00} ; XXXX XXXX  Balance Owed : {$370.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} ; 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