23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I closed my account with US Bank several years ago and now I can not open a bank account with any bank until I pay US Bank {$330.00}. I closed my account on good standing and this has only become a problem with other banks within the last year. They said that they can not tell me why I owe the money as it has been too far back ( 2014 ), but that I owe {$330.00} and the only way that they can remove the debt is for me to pay it in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SS # : XXXX Re : Account Number : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX I am writing to dispute the validity of the account that has been reported on my credit report. The account is question is a charged-off account that has been reported by XXXX XXXX XXXX I am disputing this account based on violations of the Metro 2 credit guildlines. According to these guidelines, a charges off account should be reported accurately and fairly, and any inaccuracies or violations of these guidelines may result in the account being removed from my credit report. 
After reviewing my credit report and the information provided by XXXX XXXX XXXX. I have found several violations of the Metro 2 guidelines. These violations include : 1. Last Activity Date inconsistant across Credit Bureau 2. Status inconsistant across Credit Bureau 3. Most Recent Adverse Rating inconsistant across Credit Bureau 4. Comments inconsistant across Credit Bureau 5. Account Details inconsistant across Credit Bureau 6. Payment History inconsistant across Credit Bureau.

Based on these violations, I request that you remove this account from my credit report. I have already contacted XXXX XXXX XXXX and requested that they remove the account, they refused to do so. 
Please investigate this matter and remove the account from my credit report if you find that it has been reported inacurrately or in violation of the Metro 2 guidelines. 
Thank you for your attention to this matter. Sincerly, XXXX XXXX
Product: Debt collection

There are unsolicited text messages I have been receiving from XXXX XXXXXXXX XXXX. These messages are frequent, arriving at least once a week, and they appear to be requesting payment for an account I do not have with them. 

I have attempted to block the number and report these texts as junk, but they continue to come through.
Product: Credit reporting, credit repair services, or other personal consumer reports

An agent returned my call a few years ago from XXXX XXXX XXXX 
My credit was bad. I was trying to get a card with low percentage. 
He said that card was at 16 % interest, compared to others that were at 29 % or something at the time. 
He convinced me that I was getting XXXX dollars at that rate. 
So, about a couple of days later, the card came in. 
Alone. 
No paper work attached! 
So, I went shopping and bought XXXX item for either XXXX or XXXX dollars. 
Within the next week the paper work came. 
When I realized that the guy lied, I called and left a message that I wanted to cancel the card. They said someone will call me back. 
A woman, a manager, called me and told me at a later date and told me that I was late on my payment. 
I think the late charge at the time was XXXX dollars. 
I explained what happened. By then, I had checked the reviews and they were terrible for XXXX XXXX XXXX. So, I told her that it wasn't right etc... 
I remembered to my surprise ( I was XXXX ) She answered that " it was me who misunderstood because of my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). So, I'll suggest you pay the money and get on with it! '' Ha. 
I hang up and I paid what I owed. 
In it's entirety. 
Then, I cut the card up and was done with it. 
XXXX XXXX - I've attached a copy from XXXX where anyone can see that the dates on the report don't make sense at all. 
I am asking XXXX XXXX XXXX  to please provide me with all records because they should not do this to anyone.
Product: Checking or savings account

I called on XX/XX/XXXX to change my user name and password and XXXX step verification process bc I was locked out of my SoFi account. When I did they informed me that I needed to call back and after paying my bills and doing what I needed to financially that we would look at changing information in my account to keep it from being compromised bc the gentleman thought it had been. It has been 3 days with no update, no access to funds, my phone is due to be disconnected, and I cant even buy groceries to feed my XXXX XXXX XXXX child. When I call they tell me they cant send me to anyone other than someone in the security team and Ive talked to numerous supervisors with no update or change other than telling me they have to finish their investigation. I need to feed my child and pay my bills.
Product: Debt collection

Around XX/XX/XXXX, we received an alert from our ProtectMyID service, as well as XXXX credit card that a major derogatory has shown up in our credit report under the name AFNI Collections. We tried resolving it through the XXXX service but after some phone tag, they seem to have no intention of helping us further. We later received another alert - XXXX XXXX. Also note that the original Creditor account numbers are the same, so I assume that the collections account was sold from AFNI to XXXX XX/XX/XXXX. 

I contacted XXXX XXXX, found out it's a XXXX XXXX  account. I contacted XXXX XXXX, was told it's an XXXX XXXX XXXX XXXX account, and was given some information about the account, including an account number. I was then being " transferred '' to the XXXX XXXX XXXX XXXX department, but was put on a very long hold. I waited 30 minutes and gave up. Then I tried contacting AT & T UVerse directly, but the operator kept routing me to extensions where no one ever picked up the line, and the call disconnected. I am at a loss, I can't contact the company that is doing major damage to my credit. I have already submitted a report to the FTC, and planning to freeze my credit, but I need help removing this from my credit report. 

XXXX XXXX XXXX numbers called, did not receive help : XXXX XXXX Info on Fraud account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraud service address : XXXX XXXX XXXXXXXX XXXX. 
North Carolina Acct. active around XXXX - XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Have getting calls for several years from debt collectors looking for someone with my same name. I have repeatedly told them I am a non debtor and I am not the person they are looking for. After one collection agency quits calling in a short time a different one starts. The latest company to start calling is GCS ( Global Credit Solutions ) and the calls come from various numbers. I sent message on their web site giving my phone number and informed them I am a non-debtor and have never had any past due debt. I also have message on my phone that says I am a non-debtor.
Product: Credit reporting or other personal consumer reports

I didn't consent or signed off on any debt to be handled by a XXXX  party. I also paid off debt that still shows on my credit which should of been deleted. Also to include that my social has been breached as well as millions others like me who are now under 15 usc 1681 because of this. Which Disclosure of consumer reports Consumer reporting agencies can not prohibit users from disclosing the contents of a consumer report to the consumer, in which they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

4.5 year ago i live in XXXX, and I move to XXXX, I contact XXXX XXXX to cancel the contract, they send me a prepaid box to send the equipment, I received 1 box and send all the equipment together, 2 weeks later i revived other pre-paid box, but i send all in only one box 2 week before, they never tell me to send in different boxes, they star charge me for the " lost equipment '', i tell does people i sending together, they don't believed and star calling me, and they put in my credit report in XXXX dispute # XXXX
Product: Money transfer, virtual currency, or money service

I am writing because I am extremely worried about how Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft.  He was notified XXXX XXXX/Walmart XX/XX/XXXX of a fraudulent application submitted with his information without his consent.  This left a fraudulent related inquiry on his XXXX credit report. An official dispute of this was sent to XXXX XXXX/WalMart XX/XX/XXXX and again XX/XX/XXXX however XXXX XXXX/WalMart has not replied which is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, On XX/XX/XXXX I've send a secure message through TD Auto Finance asking if they can help place my account on deferment. On XX/XX/XXXX they replied with an offer to help due to COVID19 and place my account payments to the back end of the loan which was big help, but only to find out later from an alert from Experian my account was marked 30 days past due and dropped my score -32 point, my credit was fair at the time and now puts to poor causing my other grantors reviewing my credit now and closing my account. 

I've called TD and for them to say they we behind on processing the deferments and would correct the problem but the person on the phone had computer issues but did say they know of the issue and would take action to correct. I said I've call back which I did today only to fin out nothing was done and told to write a dispute letter to them and they would investigate. I told them I'm not writing a letter to dispute an issue they caused and should fix the problem without having people in the same situation as me having to mail a letter with everything going on with this pandemic. 

The person I spoke with by the name of XXXX sent a complaint to their internal but again this will only fall on deaf ears, after all I'm little guy and no cares whether this is corrected or not. I have others who have also done the same thing like XXXX XXXX, marked 30 days with a drop of another -32 points. At this point I won't get a job. This only adds to my stress and anxiety.
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened by another individual while this company established an account fraudulently in my name because the address is the same. The lending institution then sold the account to another institution and closed the account, showing paid in full only to report the debt on my credit as late after 36 months of being closed. This is unfair practices based on several different reasons as I do not have access to the original account or the current account as it is not my debt nor have I ever paid any payments or received any benefit or item for the debt listed. Please advise on resolution to this problem and make whatever changes to correct my credit reports to reflect my otherwise good standing as I have no missed or late payments on any account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX aka XXXX XXXX was a secured credit card account opened by me in 2016 and was paid regularly until unforeseen medical events caused me financial hardship. My balance is {$120.00} and that should have been deducted from the cash deposit I had placed with them and the remaining {$79.00} should have been refunded back to me when the account was closed. Instead XXXX XXXX has ruined my credit intentionally by reporting that balance of {$120.00} to the credit bureaus as having 18 charge off 's with XXXX as one example and of which I am attaching a print out of my most recent credit report with them. I have contacted them and have requested that it be verified but they have not sent me any information on this account. A search with the XXXX lists them as not responding to requests and many have had the same problems with them. As a result the XXXX does not rate them and has had many complaints filed against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX.
Product: Debt collection

Midland Funding LLC has garnished {$1000.00} from my midland bank account, and they claim that it was court ordered and i did not received any legal documents that state so.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and disappointment with the ongoing inaccuracies on my credit report despite numerous previous attempts to correct the late open account and remove the late closed and public record. The issues in question pertain to a late open account, late close account, and an inaccurate public record. Despite repeated efforts, these errors remain on my credit report, severely affecting my creditworthiness. 

This late payment status on the account is incorrect. I have diligently tried to have this error rectified on multiple occasions. I have never made a late payment to this creditor, and the account was opened on the correct date as confirmed by the creditor. 

I must emphasize that I have previously contacted your agency to request the correction of these issues, but despite my efforts, these inaccuracies persist. I have provided all required supporting documentation and evidence in the past, including statements from creditors, legal documentation, and other proof of the errors. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to promptly investigate and correct inaccuracies in credit reports. I kindly request that you re-examine the disputes I have previously submitted and expedite the process to rectify these errors. 

I further request that you provide me with an updated credit report as soon as these corrections are made. It is crucial that my credit report accurately reflects my credit history and financial standing, as these inaccuracies are severely impacting my ability to secure credit and loans. I am asking for your immediate assistance to correct or remove the accounts and public record : XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016 - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureaus in XXXX pertaining to inaccurate information reporting on my credit. It has been more than XXXX weeks and I have not received a response and the FCRA says they are required to respond in 30 days.
Product: Debt collection

I was XXXX years old when we moved to XXXX with my parents. We had to leave the complex because the house cought really bad mold and they never did anything about it. Then they put my parents debt into my credit report when I had nothing to do with the rental agreement since I was a XXXX at that time attending XXXX and they put that debt I my credit report. Now I have a daughter and a family and I need to rent and no one wants to take me because of something that was n't my fault to start with. I called them and they do n't want to do anything about it. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 I was living in Tennessee and XXXX XXXX sent me a credit card. Now that is showing on my credit report as a write off due to the fact that I can not pay it back. How can these companies take advantage of Senior Citizens who are on Social Security and getting less that {$800.00} per month? That is dishonest to loop seniors into credit the company KNOWS the person will default! It's deceitful to play on Seniors like that and put it on a credit report that prevents us from getting HUD and Section 8 rentals because they all look at your credit report! I want them to remove all their stuff from the credit card people to give me an even break
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I was out of USA and i dn t understand what is that compagny and why is that amount
Product: Checking or savings account

At XXXX XXXX on XX/XX/XXXX I received a automated text message from Wells Fargo ( WF ) informing me that as of XXXX that morning my available balance was - {$22.00}. WF 's deposit policy where I live in XXXX XXXX, MN is all deposits before XXXX CST will be credited same day. Since I got the text, I made sure to get to the XXXX XXXX ATM near my house before XXXX that night, and deposited {$23.00}. 

The next day XX/XX/XXXX I was assessed a {$35.00} overdraft fee and according to WF Online Banking it was for a {$9.00} XXXX charge ( for XXXX ) on XX/XX/XXXX. Later, on the morning of XX/XX/XXXX I checked my balance after using my card over that weekend and with scheduled debits to my account it had a negative balance of - {$170.00} and some charge ( the exact balance I can't remember ). So, I went back to the ATM that day before XXXX of course and deposted {$170.00}. 

On XX/XX/XXXX I was assessed an overdraft fee of {$35.00}. Online banking said it was for a " transaction posted on XX/XX/XXXX {$95.00} XXXX XXXX '' i.e. XXXX XXXX XXXX. 

This is obviously due to WF reordering & manipulating my transactions to create overdraft fees, # 1. And also it begs the question of why inform us customers that we can be credited our deposit by XXXX local time if that's not true, # 2. This is unethical! Please have my {$70.00} deposited back into my account ; both fees waived.
Product: Debt collection

I have been trying to get Hunter Warfield to remove a collection account for {$6000.00} since XX/XX/2019 that is not mine. Its from XXXX XXXX XXXX XXXX and its for a rental home lease that I never had nor authorized as Ive own my home/mortgage for over 25 years. Ive submitted identity theft report/FTC report and filed complaint with XXXX. Ive never leased a home nor authorized and all they sent was a payment statement and an online doc sign. I have A1 credit, my own home and this is causing hardship as it is inaccurately reporting. Ive sent multiple letters requesting docs/validation and also proof of identity theft report. I have NEVER entered into any contract with this company and want this deleted immediately, next step is retaining an attorney, they even contacted me via phone after receiving the first notice with a cease & desist regarding thus invalid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

my new account shows derogatory on my credit bureaus and in chapter XXXX ... this account was never in chapter XXXX or derogatory///account XXXX  XXXX XXXX