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

I had a secured credit card with Wells Fargo. After roughly a year of consistently paying the credit card off each month ahead of schedule, they offered to switch my card to a non-secured credit card. I accepted the offer and thus they created a new card for me. The old, secured credit card was supposed to be closed automatically. 

Unfortunately, that did not happen and somehow transactions continued to occur on the card and worst of all payments I tried to make some how began to show as transaction amounts I owed. Subsequent fees and late notices appeared on the account. 

My wife and I have tried multiple times to work with Wells Fargo. The only people we get on the phone can't help us and the group they send us to doesn't appear to exist. We have spent endless hours trying to resolve this with Wells Fargo and at this point we don't have the time to continue to pursue this issue with them to no end.
Product: Student loan

Ever since the government started promising to forgive student loans, my interest rates have risen on both my American education services loan and my private XXXX loans. I feel they are doing this to get the most out of the government forgiveness prior to being forgiven and increasing amounts due to them from the borrower, in the meantime.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I requested that XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


However, the response I received back was that everything was complete and accurate. How is that possible if the open date, date of last activity and several other contributing factors are incorrect. According to 15 USC 1681i ( 5 ) the credit bureaus are to modify accounts that are not reporting correctly. 

15 USC 1681 section 602A. States I have a right to privacy. 

15 USC 1681 section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items information any other item of information, other than records of convictions of crimes which antedates the report more than seven years. 

15 USC 1681s_2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe the information is incorrect. 

Not compliant with Metro 2 credit reporting.
Product: Debt collection

this company has been harassing me saying I owe money the amount keeps changing I have never borrowed money from this company or gotten a loan from them my identity has been stolen from two different companies XXXX and XXXX I have used the company to provide me with proof I owe the alleged debt by providing a wet signature photo ID or SIGNED original documents or remove this item from my report per FCRA 605 ( b ) is U.S.C. 1681c -2 and they have not I have hired an attorney in this matter to sue to company credit acceptance corp. This company sent me paperwork with my name computer filled in no signature no photo ID no pen writing no signed documents just my name spelled WRONG... ..on a computer generated piece of paper. SCAM ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously written letters to notify you ( XXXX XXXX ) ( XXXX ) ( XXXX ) ( Trans Union ) of the innaccurate and unvalidated information. 
I recently received a copy of my ( XXXX, XXXX, Trans Union ) consumer reports, and I noticed accounts reporting that are a violation of my rights. 

AS A FEDERALLY PROTECTED CONSUMER ; AS MY CONSUMER REMEDY FOR THESE WILLFUL AND NON-COMPLIANT VIOLATIONS. I DEMAND THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. 

XXXX XXXX Credit Card Acct # XXXX Consumer Reports Reporting as Closed Account Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any 15 authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be Excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which states, The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said ANY card. 

The credit card is my Social Security Card. This is the credit card used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.
Product: Payday loan, title loan, personal loan, or advance loan

I emailed the company off their contact us webpage and got a rejection. I have no way to access my loan information even if I want to pay it off. I dont receive statements and have no way to stop or change payments.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/year> ] and followed up on [ XX/XX/year> ]. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XXXX 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/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax and XXXX  on XX/XX/2020 and I still haven't heard back from any of them. It's been way over 30 days and I demand for the accounts listed on my dispute letter to be deleted.
Product: Checking or savings account

Im currently overdrawn but should not be. I use my debit card for 98 % of my transactions and I was told by a customer service representative that debit card transactions affect your balance right away. If that is true then I should not be overdrawn. For example I had and authorization hold in the amount of {$790.00} from XXXX. I ended up canceling part of my order therefore Im expecting that once I receive my order the hold would be lifted and the correct amount which totaled {$350.00} to be debited when the hold lifted but it did not to my disbelief the transaction was not debited until sometime early Wednesday morning. Because I paid with my debit card then the transaction should have affected my balance right away not XXXX after the factXXXX XXXX XXXX  transactions are instant so why are they pending? If the funds were not available then the transaction should not have took place. Im assuming funds were available because my online banking app showed me a balance that would cover my XXXX XXXX  transaction. But Ive got an overdrawn account because the transaction stayed pending for days instead posting instantly. Ive had nothing but bad experiences from the start. My tax refund check had a hold put on it when I deposited it via mobile phone. I was given the run around about how the federal reserve had not released the funds yet until I did my own check verification and disclosed to the customer service support supervisor whom I was speaking with that I was on the Federal Reserve check verification page and it stated that the check had been cashed. Only then did I get the hold removed on XX/XX/XXXX instead of XX/XX/XXXX mind you that it was deposited Friday XXXX. Ive had issues with XXXX payments through the chase mobile bank app. Ive been locked out my account 3 times in one day back to back to back. Ive been charged atm fees but Ive manage to get some of them waived but Id like them all waived. The nearest chase bank is located XXXX away and there are not any chase atms located anywhere unless there is a chase bank. Highly disappointed. Finally the chase secure banking is designed to prevent being overdrawn because you can only use the funds available in your account. I chose this account for that very reason. If I do not have it I can not spend it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are fraudulent XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX DEPT OF EDUCATIONXXXX Account Has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating 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

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Some one applied for XXXX XXXX credit inquiry it wasnt me fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Doesn't belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX* Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Mortgage

Alpha Title did not transfer the funds to my bank after the closing. As the seller of a house, I went to Alpha Title to close around XXXX on XX/XX/2016. All paperwork was signed, but the Escrow Officer dated the paperwork for the next day, as she told me she could n't issue me a cashiers check or transfer the funds that day due to the time of day. She said the post dating was just a formality when I questioned this. About an hour later, I was informed from my realtor that the sellers agent ( who is a good friend of the Escrow Officer ) called the escrow officer and told her not to transfer the funds, as the new owners found some surface mold in the basement and were concerned. The closing was completely finishined. I would have not given the new owners the keys yet if I knew the Title Company could just not transfer the funds because the seller realtor told them not too!
Product: Debt collection

Midland Credit Management/XXXX XXXX XXXX filed 3 lawsuits against me on accounts that have not been verified to be mine. They started in XX/XX/XXXX, second one XX/XX/XXXX and third XX/XX/XXXX. I've not had anything like this happen before, so I wasn't familiar with going to court. It all happened so fast because they were sending one right after another and they got default judgements. Which in turn they sent to my employer and my checks have been garnished for the past 6 months. They keep sending letters to my employer and have sent information on the details of the debt which is a violation of the FDCPA directly to my employer via email and regular mail. They keep sending letters to my employer over and over. To the point my employer is tired of dealing with it and I could be in jeopardy of losing my job of almost 10 years. This has been a completely humiliating for me being harassed on a debt that I don't even know that I owe. Not to mention ALL the charges and fees that added to it. Something needs to be done about this company ASAP. They're violating numerous laws daily! Misrepresentation of being an attorney but they're really a collection agency, they have and still are called harassing my family and my employer, and misrepresentation about the debt and how much is owed and verification that I even owe the debt.
Product: Debt collection

Upon moving out of a XXXX apartment complex, I received my final move-out summary and bill. I noticed there was an error on this bill, so I contacted the property. When I advised them of the error, they corrected the error and I paid the new balance that same day. Unfortunately, they still sent the original amount to collections. I have spoken with the collections agency and informed them that not only is the amount incorrect, but the correct amount has already been paid. I sent them the documentation of the original bill, the updated bill, and my payment receipt. They received this documentation and informed me they needed to reach out to the apartment complex and verify that payment was made before they can remove this from my credit report. The apartment complex will not respond to them after multiple attempts to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting invalid information, without my knowledge and permission, for the following accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX/XXXX. 

Experian is reporting incorrect and invalid data on my personal information. 

They are also reporting unauthorized inquiries : XXXX XXXX, XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. WELLS FARGO is the company that is reporting this to XXXX and XXXX. As well as XXXX XXXX is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting or other personal consumer reports

The company first progress is reporting outdated and irrelevant data onto my credit reports and I am no longer doing business with them. I've sent them letters to request that they provide me proof of lawful sharing of my information to consumer reporting agencies also that they stop reporting outdated account information that has been charged off but they continue to report this information.
Product: Mortgage

Bank of America has been misapplying my mortgage payments since XX/XX/XXXX. Today I got a letter stating that my XX/XX/XXXX payment was unapplied, which is just another example of their lack of accounting skills. My account is a XXXX year fixed {$680.00}, homeowners until XX/XX/XXXX is {$120.00}, Taxes are {$1600.00}. Total monthly due is {$940.00}. I pay {$960.00} to avoid escrow shortage. Bank of America 's accounting is a scam to charge unwarranted fees.
Product: Debt collection

XXXX XXXX reported to the credit bureaus that I had an unpaid balance of {$290.00}. The balance should have been covered with by my health insurance company. I ended up switching jobs during the billing cycle, but I maintained health insurance the entire time. Nonetheless, I called them and the error was corrected and they said that I did not owe any money. They said they will have it removed from my credit reports. About 2 weeks later, I get a call stating my insurance did not cover it all and that left a balance of {$57.00}, I said okay, Remove the old amount of {$290.00} and I will pay the {$57.00} once it had been removed..A week or so after I spoke with them about the {$57.00}, It reported to my credit reports. So now i have XXXX collections on my credit report and it dropped my score significantly. I am in the process of trying to buy a home and this is conflicting with my pre approval from the bank. THey told me at XXXX XXXX that it should only take about two weeks to have it removed from my credit reports, but I have yet to see that happen.
Product: Vehicle loan or lease

Institutions refuse to report payments to the credit bureau to show Ive paid my car off.