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

XX/XX/XXXX To whom it may concern : The purpose of this letter is to report wrongdoing by Wells Fargo that has caused financial hardships and adverse credit standing for me since XX/XX/XXXX. I have been in contact with Wells Fargo about a business credit card payment error where their online payment system processed a payment transaction resulting in a double payment on XX/XX/XXXX. 

Since I am retired and have a fixed income there was not sufficient funds available to pay Wells Fargo the XX/XX/XXXX payment due to the previous monthy payment being double the amount so XXXX payment was not paid. Wells Fargo contacted me and said that I would have to pay two payments for XX/XX/XXXX to make the account current. I managed to make a double payment in XX/XX/XXXX and they refunded the missed payment fee and made some adjustments. I asked about the effects on my personal credit score and the Wells Fargo representive said that since it was a business account that my personal credit score would not be affected. 

I checked my credit history this month and found that there was a drastic reduction of my credit score in XX/XX/XXXX. I believe the action of Wells Fargo was the reason my score dropped so much because I am current on all other accounts. My score has been low since then and I have not applied for a home equity loan, car loan or credit card as I had previously planned. Managing my credit is important to me and just when I got it up there all the planning I have done will be of no benefit this year. 

Confidence and trust in Wells Fargo is neccessary in order to do business there. I have also mailed an application to be part of a class action law suit against this company. I had not planned to do that until I learned that Wells Fargo had been untruthful to me. This happened in XX/XX/XXXX and they were still doing the multiple payment scam to others until this month. They knew about it and continued to do it. Unexcusable. 


Sincerely, Attachments :
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware of the child support being on my credit report since Ive jus been notified that my credit score has changed.. So I looked and I see a Wal-Mart/ credit report and I do not even have an account or anything to do with the Walmart credit report.. Would like to dispute this case because I am not aware nor knowledgeable about this credit report I know have on my case for Wal-Mart
Product: Debt collection

XXXX XXXX from N.A.R. Inc. has in fact called me a couple of times today, within a 4 minute timeframe, I got a call from my mother stating that I needed to call her back because she received a call from XXXX directly after her attempt to call me. 

XXXX XXXX would not say who she worked for ... she did not tell my mother that she was a debt collector ... she did not say that this was an attempt to collect a debt. She gave my mother my personal information, including what phone number they had listed for me, and which address.

She started the call by saying that she knew me, and that she was trying to get ahold of me. She said, I have the phone number ***-***-**** for her, is that correct?

Also the address. Then proceeded to drill her for information on where I am currently working. She also said that she had left me a couple of messages when she in fact has not. I do not answer unidentified number calls, unless they leave a message, I dont call them back. To top that off ... I called her back twice, and she didnt answer. Her voicemail doesnt identify where she works. I had to XXXX the phone number to find out where she works. 

This is harassment ... plain and simple.
Product: Mortgage

When I took out this mortgage on my home, my escrow account was set up to pay taxes. About a year and a half ago the company started sending me monthly payments that didnt include escrow payment, only principle and interest. I called the company to ask them to correct this error and put back my monthly payment as it originally was with escrow. They assured me they would take care of it and fix. A few months after that still nothing was corrected and I got a late notice for taxes not being paid. I tried again to fix with the company and still I thing was done. I decided they werent competent to correct their error. I have been paying taxes personally ever since and i now have this company showing I have a negative escrow balance which they now want to increase my monthly payment to pay for a negative escrow. Once again I have tried numerous times to contact them to fix this and again I am getting no where. I have sent them all paid checks and invoices from the city tax department of my payment. 
Its to the point that I cant keep on top of a company from doing the correct thing. With a newborn and work of my own, I accepted this mortgage where it was setup so I wouldnt have to deal with these issues on a constant basis to make sure everything is paid in time. I am wondering if I need to seek legal advice and escalate this to the next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting the following item inaccurately. This account has never been late. Please remove the item below pending a thorough review. 

XXXX XXXX XXXX XXXX XXXX never late
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern - I had financial difficulties in XXXX and XXXX and had a credit card with XXXX Credit Card. I had never been late on this credit card and over the XXXX years of having the account. 

I had never had a late pay or XXXX late pay on my credit. During the months of XXXX and XXXX my family had XXXX and lost a family member and we had burial expenses. 

I contacted XXXX and informed them that I would be paying off my balance of XXXX in which I did and in agreement that they would remove any XXXX late for XXXX and XXXX. Once I paid the XXXX giving my account is XXXX balance XXXX fraudulently closed my account and lied to me and put a XXXX late for XXXX and a XXXX late for XXXX showing me XXXX days late on this credit card account. 

I contacted them numerous times trying to request them to their agreement of good faith that they would remove these late fees from my credit report even if the account stayed closed. I was not concerned about the account being closed my concerns were they lied to me after me paying them XXXX and paying the account off in full. 

XXXX lied to me as a consumer and I feel that they should be exposed and show how they treat their customers that have been good paying customers always paying their accounts on time and then treating them negatively bye not doing as they said by removing the XXXX to XXXX day late for XXXX and XXXX. They did not hold up to their end of the bargain and closed my account. I feel scammed as a consumer and I have read numerous reports online about this company doing the same to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent in several letters to XXXX XXXX and transunion and they are not reporting in a timely mannor. or removing ir responding back to me
Product: Credit reporting or other personal consumer reports

I have received from XXXX XXXX XXXX XXXX letters ( XXXX on XX/XX/year> and XX/XX/year> ) rejecting XXXX applications to XXXX XXXX XXXX XXXX XXXX account which I DID NOT APPPLY FOR. XXXX is checking with TRANS UNION and my credit report is reflecting these fraudulent applications. 

When I called XXXX ( XXXX ) the very unhelpful agent was not able to find the applications using the reference numbers in the XXXX letters ( XXXX and XXXX ). XXXX allegedly based their decision on the assumption that I have obligations too high relative to income which is NOT true because I had a credit score of XXXX and income over {$350.00} a year. Our obligations ( mortgages ) total {$660.00}. XXXX keeps summiting fraudulent applications and rejecting them. Each time they check my credit report, it is lowered
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX This is not a duplicate report, XXXX XXXX XXXX added new false derogatory statements by adding : 1. new 60-day late payments for XX/XX/XXXX and XX/XX/XXXX, 2. the first delinquency occurred on XX/XX/XXXX, 3. the account was closed on XX/XX/XXXX, and 4. the last payment was received on XXXX XX/XX/XXXX. 

1. There was never a late or missed payment on the account. Therefore the 30-days and 60-days maliciously reported to the credit bureaus must be removed. 

2. There was never a delinquency, however, XXXX XXXX  XXXX has reported many false and malicious claims to the credit bureaus between XXXX and XXXX and again between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

3. The property was sold in XX/XX/XXXX and the bank first reported the account closed on XXXX XX/XX/XXXX and continued to maliciously report new missed and late payment delinquencies through XX/XX/XXXX which are being used to impact my credit report and credit scores negatively. 

4. XXXX  XXXX XXXX received its last payment from me in XX/XX/XXXX, the property was sold and I was not required to submit any more payments and did not make anymore payment. Therefore, there was never a 30-day or 60-day late payment in XX/XX/XXXX as reported by XXXX XXXX XXXX. These maliciously reported delinquencies must be removed from my credit report and my d scores restored to their values prior to the impacts of the false claims.
Product: Payday loan, title loan, personal loan, or advance loan

I received via email an invitation to be approved for a loan. i never got the loan but had 9 hard inquiries to hit my credit after this false advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXX, XXXX ACCT # XXXX, XXXX  ACCT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ACCT XXXX XXXX, XXXX XXXXXXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX & XXXX XXXX XXXX # XXXX, XXXX XXXX  ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # N/A, XXXX XXXX ACCT XXXX N/A, has violated my rights 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 reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more then 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. 



XXXX XXXX XXXX To : XXXX XXXX, XX/XX/XXXX at XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ACCT XXXX XXXX, XXXX XXXXXXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXXXXXX ACCT # XXXX XXXX XXXX XXXX XXXX  XXXX ACCT # XXXX, XXXX & XXXXXXXX XXXX  ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX  ACCT # XXXX, XXXX ACCT # N/A, XXXX XXXX ACCT # N/A, has violated my rights 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 reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more then 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 or other personal consumer reports

The following employer showing on my Equifax report is inaccurate : The XXXX XXXX Please remove this inaccurate employer from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting 90 days ago I reached out to equifax to advise them that per my consumer reports that they were in violation of many of my federal consumer rights. They continued to respond to me with a response that their information Was verified and accurate. I tried again 60 days Ago and 30 days as above and yet and still They provided me the same reason which you can see for your self per exhibit A -D, Fact the fcra is a federal law that regulates the collection of consumers credit information and access to their credit reports it was passed in 1970 to address fairness, accuracy and privacy of the consumers. 
Fact per proof on exhibit A -D that equifax is in violation of 15 usc 1681b ( a ) ( 2 ). Permissible purpose. I never Provided equifax with written consent to report anything on my consumer report/ file. When there is no consent that is identity theft. 

Fact per proof attachment labeled exhibit A -D that equifax is in violation of 15 usc 1681a ( 2 ) ( i ), as myself the original creditor defined by congress only I can Validate a debt and I do Not validate this debt. 

Fact per attachment exhibit A -D equifax is also in violation of 15 usc 1681a ( 2 ) ( b ) which the law that any authorization or approval of a specific extension of credit directly or indirectly by the issuers of a credit card or similar device. Equifax stated that they verified This item, but that is not true, Im the original Creditor Im which I Unable to extend credit to myself. 
Per fcra civil liability for willful complaniance per 15usc 1681n ( a ) 2 ( I ) federally consumer laws were violated and the due amount to me is {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

So I pulled my credit report XX/XX/. Upon reviewing my consumer report I noticed a huge amount of inaccuracies on my report. I reached out to XXXX XX/XX/. I reached out to XXXX XXXX on XX/XX/. I reached out to XXXX on XX/XX/. I sent them all a copy of my report with the highlighted inaccuracies and all three bureaus sent me a letter back saying that the accounts were verified or updated, but they did not correct or delete the inaccuracies which is causing me severe hardship, .mental anguish, and XXXX! I also informed them that they are breaking the law!!! According to FCRA { 15 U.S.C. 1681 }. I am demanding that this information be removed immediately! Pursuant to U.S.C. 1681 ( A ) ( B ) They did not meet the needs of commerce because this is not fair and equitable to me regarding confidentiality, accuracy or relevancy. The information is not accurate! This information is not accurate. If these transactions even took place, they should have been confidential so you in fact violated my right to privacy. You are in violation of Pursuant to U. S. C. 1681 ( D ) ( 2 ) ( a ) if this was a factual transaction, ( which you should not know because you were not there ) then this should not even be reported because the FCRA states that transactions placed solely between the consumer ( me ) and the person making the report and IT SHOULD BE EXCLUDED FROM MY CONSUMER REPORT. Pursuant to U. S. C. 1681 ( B ) Did I give permissible purposes?? A credit report should only be filled with written instruction from ( the consumer to with whom it relates ). They are all violating my rights by reporting these false transactions. Since these inaccurate items have not been removed I am filing this complaint and my next step is going to congress. They sent me a letter that said verified but they furnished no contracts with my ( the consumer ) signatures! I have attached a letter with highlighted inaccuracies! I have also attached a copy of my dl, ssc and proof of address along with there responses to me.
Product: Debt collection

Last fall ( XX/XX/XXXX ), D & A Services LLC began contacting me to collect a strangers debt. After several phone calls clarifying that I am not the individual in question and asking for the attempted collections to stop, they took a break from calling me. They contacted me again today ( XX/XX/XXXX ) to pursue collections of the stranger 's debt through me. Unfortunately, due to a data breach at XXXX, all the call records prior to XX/XX/XXXX have been lost and I can not provide the dates the contacted me priorly.

I will not pay for a strangers debt and D & A Services refuse to acknowledge this. Please help me.
Product: Money transfer, virtual currency, or money service

Hello, In XX/XX/XXXX, I sent around $ XXXXUSD to a trading platform called XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) using PayPal. On XX/XX/XXXX, PayPal notified me that due to new XXXX regulations, payments to XXXX would no longer be allowed and they closed my account. In consequence, I was unable unable to get my funds out of XXXX and I requested PayPal to reverse all the made payments to the broker because the merchant ( broker ) breached PayPal 's Merchants Terms and Conditions. However, PayPal refused to cooperate and reverse back the transactions. 

Here is the XXXX complaint that I have raised against PayPal : XXXX : XXXX Here are some useful links regarding the broker : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX is not allowed to offer their trading services to XXXX residents. XXXX XXXX was aware of the fact that I was a XXXX resident. Despite this, on the the XXXX of XXXX, XXXX, the Merchant : XXXX XXXX XXXX XXXX XXXX informed me that, due to XXXX regulations, XXXX XXXX would have to cease supporting trades by any client who is a XXXX resident.
Product: Credit card

This is for a Citi Custom Cash credit card. I disputed an transaction of {$400.00} on XX/XX/XXXX to a fitness club but release it as a result of communication with club manager. I agreed to release this dispute and Citi should pay this amount to the fitness club. However, the club accountant and manager notified me that they never received this transaction from credit card company. I called several times ( in XXXX, XXXX and XX/XX/XXXX ). At first time, Citi claimed the transaction happened and should arrive within 15 business days after this case is closed. And second time, they claim the case would be closed at end of XX/XX/XXXX, and the payment would go through until mid of XX/XX/XXXX. I checked again with club manager in XX/XX/XXXX and still no payment was posted by Citi, while I already make payment to the credit card statement blance. I asked Citi to send more details to my email address they have on file, and they agreed on the phone and never come back with an response.
Product: Debt collection

Hello and good day, I can not overstate how frustrating and overwhelming this situation has been for me. XXXX day, out of nowhere, I wake up to find a debt in my namecompletely unverified and something I have no knowledge of. Whats worse, Im being harassed across various communication channels with aggressive tactics, and Im even facing threats of legal action. Its an experience I never imagined Id have to endure, and its deeply unsettling. As a law-abiding citizen, I find this entire ordeal incredibly insulting. My rights as a consumer are being blatantly disregarded, and the constant harassment is not only frustrating but also taking a serious toll on my mental health. Ive been struggling with sleepless nights and increased anxiety, which has made it even harder to manage this already difficult situation.
Product: Payday loan, title loan, or personal loan

I was trying to close the costs on the rest of my payday loan sense I had pulled the loan out at the end of XXXX and I had been making XXXX dollar payments until the end of the term on the loan which was supposed to be on XX/XX/XXXX. I have already paid them XXXX dollars ( est. ) and they expect me to pay them an additional XXXX dollars sense I apparently haven't paid the full amount on the loan. What's the point of making payments if they are going to ask me to cover even more than I already taken out. I called to explain that to the operator and he told me that I was responsible for paying them more than the XXXX dollars i took out in the first place. I hope there is a way for me to cancel those payments sometime soon
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS NOT MINE THE ORIGIONAL SCCOUNT OWNER FILED BANKRUPTCY AND MAKING PAYMENTS ON ACCOUNT XXXX IS SHOWING WRITTEN OFF CHARGE OFF WHICH IMPOSIBLE BECAUSE PAYMENTS SRE STILL BEING MADE THEY CAN NOT SHOW DEROGATORY INFORMATION IF THE ORIGIONAL DEBTOR IS MAKING PAYMENTS HENCE NOT SHOW AS WRITTEN OF SINCE 2017 THIS IS RETALITORY SO THE CREDITOR MUST REMOVE ACCOUNT OR UPDATE SS CURRENT IVE FILED 609 ( 1 ) A ( 1 )  WHICH EXPERIAN HAS IGNORED
Product: Debt collection

The Company is listed on caller ID as Portfolio Recovery. The number that shows is ( XXXX ) XXXX. We spoked with a Representative of the company whom identified herself a XXXX XXXX. We identified Ourselves by name and telephone number. We advised them that We have had our telephone number for more than " Twenty Years '' ... and We owe no debts. We begged this company to stop calling Our number, because We are the only persons living here. The Representative XXXX advised Us that  She would remove Our telephone number from their calling system. This is not the first time We have requested to be removed from their calling system. This is harassment and We are requesting that this calling cease and drop dead. Please Help Us. PLEASE. Thank You.
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX is reporting someone else 's information into my credit profile. I have asked for a copy of the contract from the creditor and was provided with a copy that has someone else signature on their other than my own. This results in inaccurate reporting and should be removed expedite from my report due to inaccuracy. Transunion has failed to delete this information.