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

I setup automatic payment for my Credit Card from Wells Fargo. I setup the automatic payment three times once when I activated the Credit Card, second time on XX/XX/2018, and third time on XX/XX/2018. 

Twice, Wells Fargo has failed to process the payment by due date and has assessed the late fee. The first time was {$27.00}, which after several conversations with supervisors and managers resulted in the reversal. 

The second time a late fee of {$37.00} was assessed on XX/XX/2018 by Wells Fargo and despite admitting that error is on their part, still refuses to reverse the charge. 

This is not to mention that the card has 0 % interest offer. Which is why I opted to transfer balance on to the card. 

Wells Fargo also did not give me information on whether the 0 % offer is still intact.
Product: Student loan

My son has several loans under the collection wing of Navient. My son lives in XXXX and has been denied an opportunity to lower his payments secondary to me ( his mother ) being a co-signer. I too am paying school loans and currently work in public schools, we do n't make much is public schools. I have tried to make payments of XXXX monthly and my son pays the remaining XXXX or so dollars. In XXXX hehas had a difficult time with money transferring to his Navient account. The 1st day it is late I receive upwards of 7-10 calls from Navient. As a nurse whose phone is used for district business, I have repeatedly asked them verbally and in writing not to call my phone. Navient uses numbers from all over the U. S. New York to Florida, XXXX, to XXXX. We are good people who work hard. Navient is awful.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted the credit bureau 's about removing these fraudulent inquiries from my report. They in return told me I should worry about them because they would be falling off my report in the near future. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with XXXX XXXX and i am currently upto date with said mortgage, never missed a payment or been late, my wife filed a chapter XXXX bankruptcy by herself with no affiliation to the mortgage or myself, the XXXX XXXX has saw fit to remove this from MY credit history and refuses to put it back on, the Transunion Credit Agency also refuses to fix this issue, both companies refuse to speak to each other as required to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with fair credit reporting act XXXX  XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX. 

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 agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost 2 years, I have tried to get Equifax to update that status of an account that is OPEN but is reporting as CLOSED. I have disputed the item in effort to get it updated to correct information only for them to tell me that it has been verified by my loan company XXXX XXXX. I have up to date payments and documentation to verify that the account IS OPEN and ACTIVE yet even though I have contacted XXXX  and they are fully aware of the error in their reporting, they have yet to correct it on my Equifax credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XX/XX/2021 ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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.
Product: Mortgage

I tried to do a simple refinance with of my existing VA loan with the same lender ( Freedom Mortgage ). I applied online and was shown a lower interest rate and told that documents would be mailed to me in 48 hours for me to sign to lock in that rate. I even called and spoke to a broker from the company and was promised it would be no problem. Well, I never received any paperwork from the company. I called and left 5 different messages with the broker over a 3-week period with  no follow-up whatsoever. I've tried calling, but it is impossible to get through the prompts to speak to anyone. After following the prompts they hang up on you. Funny thing, this company never seems to have a shortage of people to call me and solicit for reverse mortgages and other things that I don't want. I've repeatedly asked to be on their " do not call '' list to no avail. Beyond frustrated that a company can take advantage of someone on a VA loan like this.
Product: Checking or savings account

I had opened a Savings/Checking account set in Citi in XX/XX/2018, and transferred {$15000.00} on XX/XX/2018. This account was opened online through a promotional link on Citi 's website, and if I maintained the balance of XXXX for 60 days, I would be eligible for a bonus. From the time I opened the account, I have never received any confirmation email from Citi that I was signed up for the bonus. I had called into their call center several times, and no rep could confirm that either. So, very conveniently Citi would just have customers open accounts and have them make a large deposit, then provide 0 % interest, and no commitment of bonus. I maintained the balance until XX/XX/2018 ( requirement of 60 days ), and then withdrew XXXX. I had called back on XX/XX/2018, and the rep was confused why I had not received the bonus. She said that I had met the bonus criteria, and I should be receiving the bonus soon. She even opened a ticket for it. 
Yesterday, when I called in again going through a series of uninformed and untrained reps, someone called XXXX from KY confirmed that I was no longer eligible for the bonus as a related checking account got closed. Who closed it and why was I not informed of it before? When I came to know about it, I had opened another checking account within a day of closure. So, Citi very conveniently lures new customers to open new accounts, but their system nor their reps have no record of any specific information.
Product: Debt collection

I contacted Jefferson Capitol System by phone and mail that it I could have opened an account with XXXX XXXX in the amount of {$4100.00} on XX/XX/XXXX because I had a XXXX XXXX on XX/XX/XXXX and I was not physically or mentally capable to open any account. I do have medical records to prove it. I asked them to close that immediately. They have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Experian, XXXX, XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX is reporting a collection agency XXXX XXXX who has breach the statute of Limitation of XXXX XXXX. XXXX is reporting XXXX XXXX XXXX charge off accounts which is a violation of 15 USC 1681 E and 15 USC 1666 Correction of Billing Errors. 
Also, Experian is reporting XXXX XXXX XXXXXXXX XXXX Accounts charge off accounts and the collection agency XXXX XXXX I have requested all consumer reporting agencies to remove these accounts and they have refused. 
15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

15 USC 1681 E Compliance Procedures states for a consumer reporting agency ( CRA ) to assure maximum possible accuracy in its credit reports. 
15 USC 1666 Correction of Billing Errors states A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that limitations to collect a debt is XXXX XXXX XXXXXXXX XXXX has passed the statue of limitations to collect the debt. The statue started with XXXX with the date of XX/XX/2018 and refuse to show me a bill of rights sale. Then XXXX XXXX changed the dates to collect and has not validated the debt. These companies has refused to remove these accounts from the last XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion credit report agency failed to investigate fraud account reported on my credit report with out the debt collector proving identification card or writing agreement showing statement. XXXX  XXXXXXXX XXXX XXXX XXXXXXXX been paid an turn around an fold my personal information to XXXX XXXX to uptain more funds an kept repeating reported bad debts so I can't apply for any loans or credit card I requested my full disclosure an full disclosure from XXXX until XXXX I was effected with identity theft I should not hold acceptable for someone else mistake provide identification card number state on the state issue identity card provide by government law must an they reported false information to XXXX an XXXX they both deleted an I hereby request TransUnion deleted these fraudulent charges an companies from my report deleted everything off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that Equifax not be allowed to mock the CFPB 's authority and victimize me by ignoring my rights. Equifax, has sent me a letter stating that they will not do an investigation. The bankruptcy adds a hardship and my rights were violated by Equifax. I ask for the CFPB 's to help make Equifax, stop victimizing me.The bankruptcy listed on my credit report does n't even have MY address!!! The bankruptcy address is listed as a XXXX, Ga address. I 've never lived in XXXX, Ga!!!!! Also the bankruptcy is listed as " Joint ''. Who is the other party listed???? How could they have verified or more importantly validated any and all information???
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to violate my federally protected rights. The information listed on my report is inaccurate. 
My name is XXXX XXXX this is my only name, my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX any other address listed is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of this information is inaccurate and should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a rep with Wakefield & Associates on XXXX XXXX regarding collection on my credit report for {$190.00}. I specifically asked the man I spoke with, if I pay this today, can it be updated as paid or deleted off my credit report and I'd make arrangements on a few others they had on me. He told me yes that he would most certainly do that for me. I paid over the phone with my debit card and it cleared my bank on XX/XX/XXXX on the amount of {$190.00}. I also set up ACH payments on the other accounts ( they are not on my credit reports ). I disputed this account on XXXX XXXX and got the results today that it was a verified account and nothing would change. I want this off my credit report! I paid it in full and it should be showed as paid or removed as it is affecting my credit.
Product: Debt collection

I attended XXXX XXXX ( location : XXXX XXXX, XXXX  - owned by XXXX XXXX XXXX ) in XX/XX/XXXX, for exactly 4 months ( XX/XX/XXXX - XX/XX/XXXX ). I moved back to my home state of XXXX and never returned to XXXX XXXX, nor attended any of XXXX 's colleges at any time after that. XXXX XXXX never obtained my consent to apply for any private loans. I was and am, completely unaware of any valid debt owed. 

XXXX XXXX was subsequently shut down in XXXX after being inundated with several class action lawsuits for falsifying/forging/obtaining loans on students ' behalf without their consent. 

I recently ( XX/XX/XXXX ) received a letter from XXXX XXXX XXXX, XXXX of XXXX, XXXX ; stating that I owed XXXX ( XXXX XXXX XXXX, which owned/owns XXXX XXXX ) {$5500.00}. 

XXXX XXXX XXXX has apparently purchased this old, fraudulent debt ( which is exactly 10 years past the California statute of limitations ; California statute of limitations is 4 years from the date of the written contract : XX/XX/XXXX-XX/XX/XXXX ) from XXXX and are attempting to collect on it. They have reported it to the credit bureaus and have, in turn, caused my credit score to drop over 75 points with all three bureas.
Product: Credit reporting or other personal consumer reports

I'm unsatisfied with your assertions and am disputing them due to the absence of any substantial evidence to substantiate your position... I urge you to contest this account! Otherwise, I will pursue legal action against you ... Let 's be crystal clear here : I am a victim of identity theft, and it's a gut-wrenching situation that nobody should have to go through. But instead of finding help and support from your bureau, I've encountered indifference and disrespect. These accounts are a result of ID-Theft and I expect you to remove this immediately : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Full access to my account online has been denied. I request restoration of access to manage and submit disputed online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have information on my personal report that belong to my business XXXX XXXX XXXX XXXX because of this my credit shows a mixture of credit for my business and my personal and it has affected my debt. ratio. negatively.
Product: Credit card

I made a purchase in the amount of XXXX on XX/XX/XXXX with XXXX interest if paid off by XX/XX/XXXX. The balance has increased to {$340.00} without justification. I called and was hung up on. I called back and spoke with XXXX XXXX who transferred me to manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report a public records item that their public records vendor ( XXXX ) has removed as of XX/XX/2018. This is a violation of the FCRA. I request this item be removed pending the obvious outcome of the investigation. I have provided proof from XXXX included in the communication.
Product: Credit card

For my Citibank issue XXXX XXXX XXXX, they said because I used certain features of the card, they would not be sending a renewal card. However my online and mobile accounts said there was a card on the way but it was never sent. I have never been late on paying this account. They kept the account open and shows that there is available credit. I have spoke with their partner XXXX since this is a cobranded card and Cost is not happy with the way Citibank has unethically treated their customers.
Product: Credit card or prepaid card

I disputed transactions thet were credited back to my account and the rep did not cancel my card afterward. my account was left open and incurred more fraudulent charges that were credited back to my account recently and now i still cant use my card because Capital One has not taken the hold off of my available credit limit. 
This has been over a week since credit was applied to my account and I am needing to use my credit card. I am not supposed to be held liable for these transactions and that is what is happening. I already have replacement card i just the hold released so that i can use my available credit.
Product: Checking or savings account

Recieved multiple overdraft fees in a very short time! Received no resolution when asked about stopping the overdrafts from occurring, asked to have fees waived and was told nothing can be done. Multiple attempts to contact someone went unanswered on both the online chat and over the phone. Hold times of XXXX, XXXX and repeated dropped calls to Truist. Truist offered no assistance, or help. Basically told to kick rocks. Its unfair to charge these fees when I want the transactions to be declined, I should be able to opt out of overdraft protection. Employees are rude on the phone tell me they are getting a manager or supervisor and then I sit on hold for 20+ minutes before I have to get back to work and can't continue to wait any longer. Was just hung up on and was told I could not be called back after waiting 30+ minutes. Its unbelievable how little care they show. I am pretty sure multiple fees have been charged for thr same transaction as well.
Product: Credit reporting or other personal consumer reports

The company Ford Motor Credit is reporting on my credit score but they are not the current note holder/issuer. The company was mailed a notice twice and could not provide the valid required information.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Money transfer, virtual currency, or money service

was involved in a online purchase with the amount of XXXX to a person for good and services and used a credit card in Paypal to purchase and the person took my money and did not provide the goods.
Product: Credit reporting or other personal consumer reports

I recently purchased a house a few years ago and unfortunately I came across some damages that really needs some attention. I wanted to refinance my house to see about using some of my equity. I had to review my credit report in order to do this because my lender said it would be best if my scores were better than when I initially purchased. Upon checking my report I noticed some inquiries that I did not recognize. I have no knowledge of several Hard Inquiry on my credit report. According to 15 U.S.C. 1681 law states they have to be removed immediately, it is defamation of my character. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWESTLAKE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WESTLAKE XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year, I have disputed Accounts being reported for over 7 years, duplications, etc.. and cited the seven year reporting law. It not only continues, but XXXX  verifies account. CLOSED STATUS AND DATES ARE IGNORED.. 
Some of these accounts were closed by me, have a XXXX  balance, never late, and these accounts continue to appear, and the duration stated that they will continue to appear, are years into the future. 
1. TJ Maxx/syncb Opened:XXXX, closed by me, with a XXXX  balance XX/XX/XXXX. Eight years since I closed it. 
2. XXXX XXXX XXXX Closed by me, in XXXX, 9 years ago, with XXXX balance. 
3. The same situation for XXXX XXXX XXXX XXXX XXXX. 
4. XXXX XXXX XXXX, paid as agreed, closed seven years ago. 
5. XXXX XXXX XXXX, opened and never used. Forgot I had it. Closed account due to inactivity. 
6.XXXX XXXX  Over 7 years. Closed and paid in full. 
. 
THIS ACCT NO. APPEARS TWICE on some reports. 
7. XXXX  XXXX Charged off, written off and now reports past due. Seven year deadline has past on this Account. 
8. XXXX XXXX : Cllosed. 
Opened in XXXX. Exceeds seven years. Wrote off, charged off and sold to XXXX XXXX. Both XXXX XXXX and XXXX XXXX appear on report, in XXXX separate sections for same account. XXXX XXXX, XXXX has growing balance, late payments, and No Bill 's received. I see this as double dipping. 

The list goes on and XXXX  fails to have the seven year deadline enforced, etc.. The person at these toll free numbers don't recognize account because too old : XXXX, XXXX, etc., and can not help. 

9. Note : when my wallet " stolen, '' I called it in, and new account numbers were issues with replacement cards, some of which are the multiple XXXX XXXX cards, and XXXX XXXX cards fall. Count II : over seven years. 

10. The same account can not appear twice : XXXX XXXX, charged off, wrote off and sold my account, profited by selling it to XXXX XXXX, XXXX, who increases my balance, treats the account as open, and states late. 
XXXX  XXXX : over 7 years of Reporting. 

Law requires seven year reporting to Credir Bureaus. Immediate removals are required to All three : XXXX, XXXX  and XXXX. 

XXXX  is tremendously lower than other two. That should not be. Told huge pint increases, over 70 points, in some, yet the SCORES do NOT REFLECT THE INCREASE, as it should. I can not get an apartment because of this. 
I can't build credit because of this. Damages are accruing. 
Please review and require immediate correction.
Product: Checking or savings account

I received two separate books of checks for two different checking accounts that were opened in a name very close to mine. One had the correct address on the checks and the other was a number off. Both check books had the incorrect phone number. I called TD bank, where both accounts were opened, and they marked the accounts as fraudulent and closed them. They also provided me with steps to take regarding identity theft.