23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems Wells Fargo hasn't done much to clean up their act. It has only been a few years since they were caught in some of the MOST egregious violations by a bank in USA History. 
I had just opened a Wells Fargo Credit card, first statement was just printed on XX/XX/2019 and Wells Fargo took it upon themselves to report the full balance of {$1900.00} to all three credit bureaus, dropping my credit score from XXXX to XXXX. 
My first payment is not due until XXXX ; Why would Wells Fargo report this balance? 
this will increase my auto and home insurance and it is not correct information,
Product: Debt collection

As for the last couple years lendmark financial has been constantly harrassing and threating me through email & telecommunications. My last convo with them was on XXXX XXXX. As they threaten to sue if I don't pay that day. Since has notified every credit agency a false balance of {$7900.00}. 15. USC 1692 C States if a consumer notifies a debt collector that the Consumer is unwilling to pay a debt, The debt collector must cease all communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and decided to check my report for accuracy, I noticed a few accounts, addresses, and inquiries that was incorrect or opened fraudulently! Ive reached out to the creditors asking them to remove these items from my report as well as the credit bureau several of times on numerous occasions but to no avail the accounts and inquiries still remain valid in theyre eyes! This is extremely frustrating for me due to the fact that Ive done everything I can to cooperate with the bureaus in regards to this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX account # XXXX have violated my rights. XXXX XXXX XXXX account # XXXX have violated my rights. XXXX XXXX XXXX  account # XXXX have violated my rights. 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

Visited XXXX XXXX 's website to explore debt consolidation loan options and check rates. Through the prompt I entered in my identity information and at the bottom of the screen before clicking accept there was language staying " accepting will not impact your credit score. '' After that I received a credit alert that onemain financial had submitted a hard credit inquiry. I was transferred from a local branch to corporate to speak with XXXX in the Disputes Department. XXXX " XXXX '' advised me that I am incorrect and that I must have " checked a box '' to authorize them pulling my credit through the interface. I advised her that I did not and offered to go to the website to take screenshots. She told me it wouldn't be necessary and there is nothing she can do and that I would have to file the dispute with the bureaus. She told me it was an FCRA violation for them to delete the inquiry. I advised her it was also an FCRA violation for them to conduct a hard inquiry without my explicit authorization and verifying my identity to ensure it was me and that there should be someone to whom can help me like this as it could be a technological issue between XXXX XXXX XXXX OneMain... I probed a bit more to see if there is someone else to speak to and she said that they don't have a department that can help me remove the inquiry. I advised her that this isn't an acceptable practice and that I will never do business with this organization. I then requests as a California Resident for them to remove any and all data from their systems about me ; she condescendingly stated " We'll see what we can do '' and ended the call. 

Bottomline : They are in FCRA violation by pulling my credit without explicit consent or if consent was captured it was not in a clear acceptable way that I knew as an end user what I was doing. As result, my score decreased XXXX points via XXXX for just checking a rate on a personal loan. This can impact negatively and the service I received was negative. Now working with the bureau on the appropriate dispute.
Product: Prepaid card

Gave this to an elderly couple as a wedding gift {$100.00} Prepaid Gift Card - VISA - US BANK bought at XXXX 's XXXX, OH XXXX. 
Couple gave card back to me. I called the number to have the card replaced. It was never used just for some reason stated it was compromised. 
I faxed over front and back of card, front and back of my driver 's license, activation receipt that showed the purchase and last 4 of the XXXX XXXX I purchased it with and transaction # s and the cardboard sleeve front and back card was in. Was told to wait 2 3 weeks. When I did not hear from them I called they said they could not read my driver 's license it was too small - blow it up 200 % send the request back and call within 48 hours because they can not call me- I have to call them nor can they fax back. Called again- they said they can not read the driver 's license too dark - lighten it up and fax back again. I did and even increased all attachments 200 % including gift card front and back, etc. Called today- now the credit card needs blown up again 200 % and lightened up and refax. This is the 4th time I have done this- I read scam after scam on the internet that US BANK does this and they repo the cash in their account and earn interest. I even mailed them a copy of all this information. Please get my {$100.00} back or a new card issued.
Product: Checking or savings account

TD Bank allowed my personal information to change Without my authorization. I provided them with my email address previously and they switched it back to my old email. Subsequently, I had to go back into my bank account and change it back. My account is compromised
Product: Money transfer, virtual currency, or money service

Was contacted our company received a grant, we needed to pay the IRS taxes by an electronic money transfer like XXXX XXXX  XXXX for the funds to be released by the government. 
We sent the XXXX} over to the loan officer. 
We found out that she was not a loan officer, there was not grant. 
We contacted both XXXX and JP Morgan Chase, that had the money listed as PENDING but said they would not do anything.

Reported the scam to the FBI, the agency that the person claimed to be working for as well. 
XXXX XXXX was the grantor, but in reality, they did not know the alleged employee nor do they have a grant program as the person claimed.
Product: Checking or savings account

On XX/XX/2019 someone stole my wallet and used my cards in my wallet while I was working in XXXX XXXX, XXXX. ( 1 chase debit card, 2 chase credit card ) to make purchases. I called my bank and froze everything, but my bank rebilled me for XXXX $ from XXXX XXXX XXXX in XXXX, NY. I called them to explain that someone stole my wallet on XX/XX/XXXX and that was not me doin the transaction. I sent in 20 pages of documents proving I was at working in XXXX XXXX while the transaction was being made in XXXX. The documents included my police report, 4 Surveillance camera photos of me working at the time of the transaction, A letter from my manager stating I was at work, My phone log of call chase on XX/XX/XXXX. However, Chase continues to decline my dispute after all the overwhelming evidence I sent to show them I was not in XXXX. Their reason was because I did not report it stolen, but at that time I was unaware that my wallet was missing. I found out after the credit card call told me to check my pant. I called multiple time to tell them it was stolen. Their argument is that it was a chip on chip transaction and the store is in my geographic location so it was obviously me. However, I sent in documents to prove I was not in XXXX at the time of the transaction, but my bank continues to ignore the facts. They continue to deny my case and adjusting my balance accordingly. I have proven I was not in XXXX to make the transaction and that my wallet was stolen from me. It has been such a headache dealing with chases recovery department and their method of investigation. It is so absurd how they do investigation while I have proven that it was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My compliant is against Third Federal Loan and savings, account # XXXX. I disputed with this company a wrong payment that they included in my reports. The letter was sent XX/XX/2019 and this company failure to mark my account as disputed, failure to dispute my account, breach my contract by reporting wrong information, failure to provide notice of late payment and the list of violations goes on. They have on my reports a 30-day late payment for an estimated amount of {$40.00} that they say they receive that adjustable payment. I receive a phone call from them and I paid them by the phone the amount that they were requesting. Not only did they place the late payment ( even though it was pay ) but they reported it in the month of XXXX instead of XXXX. Im attaching here the letter I sent back on the XXXX of XXXX with a copy of an SC-100 that will filed through the secretary of state of California since they dont have a serving agent in California even though they make business here. Im respectfully requesting you as a loyal costumer that I have been with you to remove late payment from all 3 reports as soon as possible. In the event that this does not happen legal actions would be taken here. I dont want a XXXX from XXXX XXXX  I just want them to fix their error as soon as possible because its affecting my finances. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX  XXXX
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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or 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

Hello, let me start that I've been with USAA for 16 years and have never encounter this type of problem before and I really don't understand what's going on? I submit a claim to my auto insurance, and they refuse to pay for my extended two days rental car which is their fault because they didn't send the check on time to the Bodyshop that was fixing my car so I couldn't pick up my car when was ready because the owner of Bodyshop refuse to release my car without receiving the check from USAA, I call Usaa and they are very rude, refuse to talk to XXXX  and to close my claim, USAA also doble my auto insurance I use to pay {$220.00} a month they double {$440.00} a month I call and ask why and the agent told me it's what it's, really? at this point I want to move my auto insurance somewhere else and still they refuse to close my Claim and every time I call they hang up on me or refuse to talk to me at all. Claim still open and I retrieve my car more than a week ago. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX held the lien on a truck that was crashed on XX/XX/XXXX and insurance deemed totaled on XX/XX/XXXX. My monthly payments were due on the XXXX of every month. XXXX  XXXX XXXX XXXX XXXX was notified of the crash immediately and was informed that insurance would be paying off the remainder of the loan. My insurance company did not submit the check to XXXX XXXX XXXX XXXX XXXX until XX/XX/XXXX, and did not cover the remainder of the loan. At that time, Insurance made a payment of {$13000.00} on XX/XX/XXXX - 5 days late. However, they reported to Equifax that the XX/XX/XXXX payment was made by me 30 days late. Next, the remainder of the loan balance was paid on XX/XX/XXXX, in an amount of {$3500.00} - 20 days late. A paid in full document was sent by XXXX XXXX XXXX XXXX XXXX to me, with the stamped date displaying XX/XX/XXXX. However, XXXX XXXX XXXX XXXX XXXX reported the XX/XX/XXXX payment was made by me 60 days late. How is this even possible when the loan was paid in full 20 days after the XX/XX/XXXX payment due date? 

I sent a letter to the Director of Consumer & Real Estate Lending/VP at the Main Street location, requesting the corrections be made and false derogatory remarks be removed on XX/XX/XXXX, and never heard back. 

I filed a dispute with Equifax, who investigated and reported that the late payments were accurate - which again, is not even possible given the facts and the documentation XXXX XXXX XXXX XXXX XXXX itself has provided me. I attached supporting documents to the dispute that indefinitely proved inaccuracy on XXXX XXXX XXXX XXXX XXXX XXXX part, and proved the accuracy of my claims. However, these documents were ignored and the late payment remarks remain on my credit report. 

The documentation I have is an activity statement for my loan account in question provided by XXXX XXXX XXXX XXXX XXXX showing the dates and amounts received supporting my claims and disproving The XXXX XXXX XXXX XXXX 's late payment remarks. 
Also, the Paid-In-Full document showing a paid in full date of XX/XX/XXXX provided by XXXX XXXX XXXX XXXX XXXX that support my claims and disprove XXXX XXXX XXXX XXXX XXXX 's late payment remarks. 
Lastly, the claim outcome details, dates, and disbursement amount and to be paid to the loan by XXXX XXXX XXXX, provided by XXXX XXXX XXXX supporting my claims and disprove XXXX XXXX  XXXX XXXX XXXX 's late payment remarks.
Product: Credit card or prepaid card

Back on XX/XX/19 I made a payment on my CapitalOne QuickSilver card for {$2300.00}. I made the payment via my Debit Card which is what I was instructed to do. In the past I have made payments via my checking account through bill pay and they were put on immediate hold and then have to have the customer service agent conference in my bank to verify and release the hold. I noticed that the {$2300.00} was not applied to my account. I reached out to customer service and was told the payment was put on a 26 day hold. 26 days!!! Was told they have no explanation and there was nothing they could do about it. Asked to speak to a supervisor, was told the same thing. No explanation or reason as to why and their was nothing they could do about it. I asked if we could call my bank and verify funds. Was told no - not with a system generated hold. Asked if they could return my payment, that I would make it in smaller amounts if that would help. Was told no. It is absolutely unfair and possibly illegal to take some ones money, process the payment and then not apply it to the account. 26 days is just ridiculous. I did everything I was told on how to make my payments so there were no issues. I have never had an issue with any of my CapitalOne accounts. No reason why my funds should be held and unavailable to me for 26 days. I did a XXXX search on 26 Day CapitalOne payment holds. Their are thousands of other people out there experiencing this. Some who don't have the means to have their funds being held for no reason do to a system hold. I am contemplating legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian please reinvestigate these two accounts that you state you verified under U.S.C.1681a ( e ) I request a reinvestigation to how you verified these two accounts 15U.S.C.1681a ( e ) you XXXX have violation on your report, I need an actual copy of your contract with out that I do not believe the account is mine enclosed are some of the U.S.C. code violation you have committed against me Under 15U.S.C.1681a_e ) I request a list if Friends, neighbors, associates who you contacts by law their name contact information, I don't make the laws but you have to follow them
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XX/XX/year> XXXX XXXX Dispute Department One XXXX XXXX, XXXX,XX/XX/XXXX, NJ XXXX Subject : Dispute of Account [ XXXX ] Request for Removal Dear XXXX XX/XX/XXXX Dispute Department , I am writing to formally dispute the accuracy of account [ XXXX ] as reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must ensure that all information they report is accurate and follows reasonable procedures to maintain maximum possible accuracy. 

Upon reviewing my credit report, I found that this account contains inaccurate and unverifiable information, which is a direct violation of the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 7 ).
Product: Mortgage

I have been paying my mortgage religiously ( even when i was XXXX by the Government ), we refinanced our VA loan in XXXX XXXX and were told that our payment would not be due until XXXX XXXX ( which we made ). Never paid much attention to our credit report because we were n't making any purchases ( houses, cars, etc ) but when my car went belly up i was surprised at my high interest rate on my car loan ... .so i had my credit looked at by a financial planner friend of mine. 

And low and behold, LoanCare " services " filed on me not paying my loan in XXXX XXXX, my credit score dropped almost XXXX points and has caused my car loan rate to be higher and blocked the ability to buy another house if i wanted to in the next 4 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently filed a complaint through CFPB due to  XXXX   XXXX  showing an inaccurate delinquent account on my credit report since  XXXX . My most recent complaint from  XXXX  was me asking  XXXX    XXXX   to remove the account completely from my credit report and their response was that they are unable to remove the account because it did in fact exist. What I guess I needed to clarify is that I 'm fine with the account showing up on my credit report but it still shows up as a delinquent account which is completely inaccurate and it has caused my credit score to plummet in the last 2 years and now is the reason I can not refinance my  XXXX  student loans. So the delinquency part of the account is what needs to be removed from my report.     Also, I have submitted requests to the credit bureaus to eliminate the delinquency from my account and they have failed to do so.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was property investigation but how is that, possible & the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1661 section 602 A. States I have the right to privacy 15 US. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is my domain this account with XXXX XXXX XXXX should get updated to positive for defamation of character and slandering my when you go to a dealership you can not leave of the car lot with the name that's on the fake contract you sent me is different than the name on the insurance that would make the evidence I provide from these pictures valid and is indeed deflation of character
Product: Credit reporting, credit repair services, or other personal consumer reports

{$960.00} Ive tried to dispute it off my credit report. 
XXXX XXXX
Product: Debt collection

First Financial Asset Management ( XXXX ) called me XXXX XXXX 2016 at XXXX Central time to collect on an alleged debt owed to XXXX Rental Car. I DO NOT OWE THAT DEBT! This concerned a car rental from the XXXX office in XXXX XXXX, CO at the airport XX/XX/XXXX-XX/XX/XXXX and was DISCHARGED BECAUSE THEY WERE ALREADY PAID THROUGH XXXX E-CERTIFICATES ( IN FACT, {$100.00} MORE THAN REQUIRED ). XXXX handled the dispute and credited my account since the e-certificates had paid for the rental.
Product: Credit reporting or other personal consumer reports

Its a closed account that I never had a contract with or a payment plan with. I never owed them any money, so I dont understand how I have an account with them. The company is XXXX XXXX XXXX The dates are XX/XX/year> and XX/XX/year>. Ive tried getting the company to correct it but I was told its nothing that can be done!