23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

PLEASE CAN SOMEONE HELP ME!!!! Equifax has refused, as evident by their response here, to properly address my claims against them that they have, in light of their recent " investigative results '', violated FCRA law Section 605. Account labeled under XXXX # XXXX is incorrect, fraudulently reported and in violation of FCRA law. My attorney has asked me to purse another dispute against their fraudulent claims that this account is being reported accurately. Now, in fact, they have made matters worse by re-aging this account as XXXX days delinquent as of XXXX. I want to repeat, for the hundredth time that this account is NOT reported correctly and this account needs to be removed from my credit report for its inaccuracies and false reporting. Equifax has updated an already incorrect account and has re-aged to be delinquent as recent as a month ago. I have informed them many times that this account has not been opened since XX/XX/XXXX and is a settled account and was never delinquent or in collection. Why have they re-aged this now? Do n't they understand that making it even newer than ever will impact my FICO tremendously worse? How on earth do they verify it XX/XX/XXXX!!!? It has been closed and fully paid in XX/XX/XXXX with XXXX OverPayments and never even settled with XXXX. Their actions has just recently, as of a few days ago, dropped my credit report XXXX points! Their unlawful actions must be stopped please. they are changing and altering this account to be even more inaccurate each time i dispute it, XXXX and XXXX have removed this account, as a result of their proper investigation, and yet they refuse to come to such a resolution and have been very difficult to deal with. They have continually shut me down and are now COMPLETELY refusing to process my dispute on the grounds that it has previously been disputed. I have run out of options as they are XXXX reporting it incorrectly each time and I keep trying to help them correct it and or delete it but they treat me like I am wrong, stupid and do not matter. Please, help me i can not get any loans or credit cards!
Product: Credit card or prepaid card

As of XX/XX/XXXX, I had a balance of {$2700.00} on my XXXX XXXX XXXX XXXX. The balance started with a {$8000.00} promotional purchase of items for my small business 3 years ago. Shortly after the purchase, XXXX XXXX ( the retailer ) ended their relationship with XXXX, so the line of credit seized to exist. I've kept current on payments since the beginning. Then, on XX/XX/XXXX, a finance charge of {$4200.00} appeared on my account. Apparently, as they now state, the balance had to be paid in full by the 3-year mark or I would owe deferred interest on the {$8000.00} at a 29.99 % rate. To add further insult, they claim that for months they have made a bold notice on my statements that this would occur. This company sends me an email every month that does have a link to login ; however, in the email itself is included all financial information anyone would need ... balance, amount due, and due date. Even when logging in to pay, there is no mention of this promotional period ending unless you specifically go to an online statement ... Which, again, nobody would do given that all relavant information is given on every other page and the emails. I called the company to ask for a short extension to allow me to pay the balance ( even a few days ) without being hit with this predatory fee, but multiple people told me there was no chance of that. The newest statement now tells me that if I pay the minimum payments ( which is currently $ XXXXmo ) the payoff will occur in 22 years and that I'll be paying {$25000.00}.
Product: Money transfer, virtual currency, or money service

XX/XX/2019. I was making a transfer from XXXX XXXX XXXX  to my XXXX XXXX account.I made a mistake and touch PayPal icon instead chase so the money went to PayPal, I reach out to PayPal many times to reimburse me and they refuse.
Product: Credit reporting or other personal consumer reports

I have a current account with XXXX XXXX and has been paid on time as the agreements stated. The account that they are reporting as a " settled account '' was never in collections or never a repo. 

I sent them a letter to investigate it and the letter I received back is basically telling me they cant locate the account they need more information. I dont have more information, it's what THEY are reporting to the three credit reporting agencies. It appears to be an account from XXXX  which is over 7 years old. 
This account needs to be removed from my credit report. Ive included a copy of the letter sent to them, their response, and a copy of the credit report. 

As you can see on the credit report there were XXXX late payments. XXXX is the only one that is reporting it accurately.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to address this matter through your company 's dispute resolution process, the unknown inquiry remains unresolved. This lack of action and communication is unacceptable and reflects poorly on your company 's commitment to customer service and data accuracy. 

I demand immediate action to rectify this situation. It is imperative that the unknown inquiry be promptly removed from my credit report, as it is inaccurately affecting my creditworthiness. Additionally, I expect your company to conduct a thorough investigation into how this inquiry appeared on my report without my knowledge or consent. 

This ongoing issue has caused me undue stress and anxiety, as well as potential financial harm. I urge you to prioritize this matter and provide me with a clear plan of action to address the unknown inquiry and prevent similar errors from occurring in the future. With this, I am asking for your assistance to remove this unknown inquiry in my credit file : XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am glad I heard about your organization and am able to reach someone regarding a problem I am having with Capitol One. A few years ago, I had a problem occur with a Wal-Mart credit card I had established for years. I had the account for about 7 years and I was never once late on my payments. To this day my credit is perfect except for a single blemish on the Walmart credit card which is no fault of my own and it still haunts me. 

To be precise with my complaint, the XXXX card was issued by XXXX Bank. Everything was fine until one day XXXX decided to sell its credit card portfolio to Capitol One in 2019. To this day I am completely unsure of what happened in the background between the transfer from XXXX to Capitol One but I know what it cost me. Sometime in late 2019 I was unable to pay my monthly payment to the Walmart credit card. It was not because I did not have enough funds, or because I was tardy in my payment, but because I literally could not get anybody to take my payment! The method of payments I had used for years did not work. I couldn't get a store clerk to take my payment because they said the account numbers had changed or something to that nature. I tried for weeks to get someone to take my payment and I kept getting the runaround or something along the likes of you have to wait until you get your new card and statement in the mail so we can take payment. Eventually I did receive my new card and statement and I was allowed to make my payment, but the damage was done. Capitol One placed a 30 day late payment on my credit report. 

I have tried to fix this in the past to no avail. No one seems to want to help me out. And although my credit is otherwise perfect, this late payment still bothers me as it is not a true representation of my credibility or responsibility as a borrower. My credit report and my good name is being tarnished by something I had no control over. I did not chose to have a conglomerate like XXXX switch its accounts from XXXX Bank to Capitol One. I did not chose to have my account number changed or unable to be read by the new holder of the debt. I also did not chose to have my payment be not accepted at the store while these transfers took place. What's worse, since I didn't have my statement until later, I couldn't even call someone to make my payment. HOW IS ANY OF THIS MY FAULT! I even had to pay Capitol One late fees for this and they REFUSED to take them off. They did not take any of the huge mess in the transfer into consideration. I know want to file this complaint against Capitol one and even XXXX. I don't want to sound like a snob but as good as my credit still is, I want it to be a true representation of my history as a borrower and that means I make ALL my payments on time. I will even gladly send you a copy of my credit report so you can see I am not just making all of this up and I do have otherwise perfect credit. Thank you for your assistance in this matter.
Product: Credit card

On XX/XX/year>, I sent a dispute letter to Bank of America regarding inaccurate information on my credit report. Specifically, I requested detailed information to understand how they determined multiple late payment reports on my account. I asked for : The due date of each late payment. 
The exact amount due for each payment. 
The date Bank of America received each payment. 
The amount received for each payment. 
However, Bank of America failed to provide the requested information. Instead, on XX/XX/year>, I received a response stating that they were reporting the account accurately without providing the details I asked for, to understand their reporting. 

According to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the completeness or accuracy of the information, the entity must conduct a reasonable investigation and provide the necessary information. It appears that Bank of America has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute and failing to provide the requested information. 

I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) to ensure that Bank of America fulfills its legal obligations and provides the necessary investigation results promptly.
Product: Credit reporting or other personal consumer reports

I have noticed a hard inquire from XXXX XXXX and I did not give them permission to run my credit. I have also called Experian right away making them aware and requested for them to remove this inquire and they gave me the run around even after I have expressed the FCRA law of unauthorized transactions made without my consent.
Product: Credit reporting or other personal consumer reports

I checked my credit report and I can still see the inaccurate account that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.
Product: Checking or savings account

I have insisted that WellFargo keep my personal and small business assets separate for legal purposes, as recommended by my accountant and attorney. WellsFargo has consistently mingled access to those accounts against my expressed wishes. 

When I attempt to make a personal transaction, they routinely pull up the business and vice versa. This is online and in the branches. I have told them my business debit card should only access my business accounts and vice versa. My personal mobile phone should only access personal accounts automatically, and the same for my business phone. 

I tried to make multiple payments from my small business account on XXXX XX/XX/2023, but received a message that I had to contact them. After nearly XXXX hour, the only information I could receive was that the number on the account is not valid because it is not a U S based mobile number and not accepting texts. My office number is XXXX and accepts texts. We receive and make multiple text messages daily from that number. No one really knew anything or could help. This was not a problem days ago. 

If I can not pay my bills, including to WellFargo, I can not operate my business properly. I mentioned to them that larger businesses do not provide the personal mobile contact information to them. This is a problem of their making and needed correction. 

An LLC is a legal entity that protects the personal assets of the owners, unless they co-mingle assets. WellsFargo forces mixing of these assets to harm the small business owner by forcing the business owner to bypass those protections. If they want me to call in or have some passcode or something that is fine, but to randomly, arbitrarily, and capriciously block my access to my accounts, after 3 years is not tolerable. 

Had I not been paying weeks early, I could have been forced to default on my rent, business credit cards and lines of credit with suppliers closed, and I would have been forced to default on my line of XXXX with WellsFargo.
Product: Checking or savings account

Hey I bank with XXXX banking its app they are under elove bank and trust. Im contacting you guys cause I havent received my check and its been 5 days since I was supposed to get my check, they came that it was my employer ( XXXX ) they havent sent it but I contacted my payroll department and they gave me a transfer number where it shows XXXX received my deposit but didnt put it in my account and they keep giving the run around and not explaining the issue and just XXXX XXXX have photos for proof you can even go on they social like XXXX and XXXX and XXXX XXXX and see every people complaining about the same issue its thousands of us and this is ridiculous I already report them to fdic
Product: Credit card or prepaid card

I was due to go to the XXXX XXXX XXXX XXXX on XX/XX/XXXX - XX/XX/XXXX. However I could not go because this was an academic exchange for researchers of the XXXX XXXX XXXX XXXX and due to a family emergency I could not attend. According to the booking confirmation with XXXX XXXX XXXX XXXX, it said the fee was non refundable but it also said, We understand that sometimes plans fall through. We do not charge a cancel or change fee. When the property charges such fees in accordance with its own policies, the cost will be passed on to you. XXXX XXXX XXXX XXXX charges the following cancellation and change fees. I filed a dispute with American Express ( reference number XXXX ) and they did not take into consideration the documents that I wanted to send. I tried sending the documents to them on five occasions and have been told they never had them and did not take into consideration my documents/agreement that I received from the hotel. To this day I spoke with a supervisor for the 5th time and she asked me to send the documents again for the 5th time using www.americanexpress.com/docupload XXXX American Express XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XXXX However I have already done this five times and without taking into consideration these documents or even calling me, they reached a decision. I never used the service and the documents had the option to have plans fall through, and Americans Express appears to think I should still be responsible for these fees.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX Date Opened : XX/XX/2021 Balance : {$0.00}. Please update.
Product: Checking or savings account

I got 6 unauthorized charges, they refunded 5, there is 1 outstanding, I called 3-4 times, each time they say they will take care of it, but instead sent me to collections. I'm unable to get anyone on the phone.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX  XXXX, and XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX XXXX, and XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have contacted the XXXX credit report about XXXX XXXX of filing XXXX XXXX 's, I have already been reported the information was identity theft, I have never lived at the address that is filing was completed at, XXXX said they verified & I have reached out to the court they said no has called or contacted them to provided any documents for these Bankruptcy filings, I have asked them to provided documentation that they used to show how it was verified -- nothing..I had filed a identify theft report in XXXX  regarding these same filings.. They need to be removed, I have never lived at the address where the filings either, that was probably why they was dismissed as well.
Product: Checking or savings account

On XX/XX/XXXX A bank representative with Wells Fargo Bank by the name of ( XXXX ) informed me that a dispute was opened in XX/XX/XXXX for a claim in the amount of {$620.00}. 

The disputed opened was for an unauthorized charge. The company called XXXX charged my account without my authorization. 

XXXX an agent w/ Wells Fargo Bank also informed me that this claim which was paid back in XXXX was reversed and that proof would be required to reverse the unauthorized charge for {$620.00}. The agent informed me that if that proof was provided the claim would be opened up and the charge for {$620.00} would be reversed. 

The agent also informed me to fax any proof over to the claims department to confirm payment was made to the vendor XXXX in the amount of {$620.00} The agent provide a fax number ( XXXX ) XXXX The agent informed me to include a claim number claim # XXXX on all my docs After submitting information as requested I was later told the information provided to me by XXXX was invalid and incorrect and my claim would ( not ) be reopened and would remain denied. 

I am requesting that Wells Fargo take full responsibility for what the agent informed me and reverse the charge for {$620.00} like I was informed by two agents of Wells Fargo Bank. 

I would like the phone calls reviewed on XX/XX/XXXX with agent XXXX and on XX/XX/XXXX with XXXX Claims supervisor ( XXXX ) agent ID # XXXX informed me the a bank error was made and that I was given incorrect information by XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX both informed me to submit proof of payment to reverse the claim however ( XXXX ) informed that the information was false. And any false information provided by an agent would not change the decision he made to deny my claim due to a bank error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX several times regarding this matter, and no one can give me an answer. The last update to my credit report was XX/XX/2022. This loan has been written off due to Public Service Forgiveness. The balance is {$0.00}. 


XXXX Account : XXXX Current Balance : {$0.00} Previous Balance : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute for a loan that is not mine and thats shown on my credit report that shouldnt be on my credit from ( Sheffield Financial ) on XX/XX/XXXX to all 3 credit bureaus. The account belongs to my father who has the same name, the Loan is under his business ( XXXX XXXX XXXX ) which I have nothing to do with, under his address, and his phone number. I never signed anything for the loan, never gave an id and the loan company isnt doing anything to correct this and neither is the credit bureau. For some reason my Social was somehow used for the loan but me and my father have been trying to get it in the correct name aka his name and the correct account and off of my credit since I have nothing to do with this loan as it is incorrectly reported and affecting my credit. The financial loan company has incorrectly put a loan in my name that needs to be removed as soon as possible as I never authorized anything and it is not my business, or have anything to do with me. The account needs to be put in his name and off of mine. My father even sent an email to the companys dispute department explaining that its his loan and should not be in my name and they still havent done anything about it. Its been over a month and nothing has been addressed as this loan is false reporting and fraud on the creditors end since I did not have any knowledge, sign, or give any of my information.
Product: Credit card or prepaid card

Thanks for letting me describe situation. 
It was regular purchase in XXXX when twenty min later I got notifications through XXXX   XXXX app like someone did hard inquiries what I was surprised. I didnt apply for anything. Next day I called to two organizations ( banks ) and they says that they will investigate it and will stop applications process ; I thought is done. But now I got another notification about adding another credit account on my name. 
Please help to stop it. I dont know why and who is doing that. Even I called companys they still processing fraud applications. 
Thank you.