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

I requested the bank to investigate a vendor luka lah with XXXXXXXX XXXX XXXX XXXX formed in Wyoming. I paid for services and contract submitted payment and was scammed. I reached out to Ally bank by phone and emails multiple times trying to get a claim field and no answer yet. There is XXXX that I need to dispute and the vendor took the money and ran XX/XX/2022. Transaction amount {$4700.00}, XX/XX/2022 transaction amount {$10000.00}, final transaction was not wire but XXXX with the same bank. The vendor broke contract and ally said they would reach out in 1 to 2 business days its been almost 2 months since the initial contact
Product: Debt collection

Statewide Collection Services Corp. has contacted multiple times threatening to sue starting back from XX/XX/2021 mentioning a pending lawsuit. 

Statewide Collection Services Corp. has also stated myself and my husband have agreed to a one time payment with their company and we have not.

In addition, Statewide Collection Services Corp. collection agency has harassed me by calling me with aggression challenging me to argue via phone and have submitted deceitful credit inquiries on my and my husband 's credit reports monthly. Statewide Collection Services Corp. did not have a legitimate business reason or permissible purposes for a credit inquiry.

At this time, Statewide Credit Services Corp. has practiced abusive, deceitful, false and misleading debt collections practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have be a victim of identity theft, FCRA says that fraudulent information should be block from the consumer credit file.FTC complaint has been file and police report will be file too. 
Please correct this information.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* Date Opened : XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXX XXXX Date Opened : XXXX Balance Owed : {$0.00} Chargeoff
Product: Checking or savings account

This past year I have noticed a unethical approach by Wells Fargo Bank - United States of America when posting transactions. It seems that once my account gets low in funds, all of my transactions take an average of 4-7 days to post, but when the account has plenty of money, the transaction posts same day/ next day. The manipulation and reordering of transactions done by Wells Fargo employees clearly exposes what they are doing. Their goal is to hold transactions as long as possible ( as they will disappear completely from the " pending transaction section '' ) and post them once they can ensure an overdraft fee has occurred. This has happened multiple times throughout the life cycle of my account with Wells Fargo, and I've even let the account go negative to test my theory of how they are XXXX over the American Public. An example of what I'm talking about - On Monday, my account read {$50.00}, I made 3 purchases all for {$10.00} ea. they go into " pending transaction '' - My account reads {$20.00}. On Thursday of the same week, i run into an emergency and have to commit {$25.00} to purchase something, understanding that a {$35.00} fee will be charged because of this transaction that put my account in negative. At this point, the 3 separate transactions for {$10.00} ea. disappear completely, Account reads positive, Wells Fargo posts the larger transaction ( for {$25.00} ) then the next week, tries posting the 3 transactions made earlier in the week to ensure more overdraft fees are charged to the account. Why is this company still allowed to XXXX over customers repeatedly? 
What is the point of the CFPB if it takes a citizen realizing what this shady company has been doing for probably 20 years now. Are you guys getting a kickback from Wells Fargo not to pursue them for unethical and illegal business practices? Why does my tax money go to programs like the CFPB, who don't protect American Citizens, but cost us more money??
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently I checked my credit report and noticed billing errors under 15 U.S. Code 1666 ( b ) billing error.
Product: Debt collection

To whom it may concern. 

On XX/XX/XXXX I filed a dispute due to an unexpected decrease in my credit report. 
After investigation, I found 3 fraudulent accounts opened under my name XXXX XXXX XXXX opened on XX/XX/2022 ; XXXX  XXXX on XX/XX/2022 and XXXX XXXX on XX/XX/2022 ). All of them in utilities companies. 

I own a property with my wife from XX/XX/2022, where the utilities are covered by the condominium company, so there is no reason to open accounts in any other spot. 

I try to have an exemplary control of my finances and in the last 6 years I havent had any late payment. I created an account in identity theft trying to support the evidences. 
This is the second time in one year that I have to place a dispute for utilities and there is not reason for credit bureaus to avoid my dispute since is a clear fraud under my name. 

Please help me out in this process as this situation is frustrating my time and patience. 

Im open to demonstrate this fraud and support to solve it. 

Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I applied for a Verizon co-branded VISA with Synchrony Bank. I was approved, but on XX/XX/20 I received a notice from Synchrony Bank advising me that they did not assign the best interest rate they offer. This notice included information as to why this was the case. 

Included in this notice were key factors adversely affecting my score : 1. Highest ratio of bank revolving balance to credit limit was too high 2. Too few revolving accounts 3. Insufficient mortgage information 4. Too few accounts currently paid as agreed I reviewed my XXXX   report on XX/XX/20 and none of these items appear, with the exception of item # 3, which seems to have dropped off ( my mortgage with XXXX XXXX is suddenly missing from my XXXX report, possibly due to a transfer of that loan from XXXX to XXXX ). 

My credit usage is less than 20 % of available credit lines. 
I have 5 or more revolving credit lines. 
All are current, and have been current for 6 or 7 years, at least. 
No accounts are not " paid as agreed. '' I contacted Synchrony Bank and was advised to contract XXXX. I contacted XXXX, and they provided a copy of my credit report which does not match up with any of the reasons stated by Synchrony Bank as to why my score was low per their review. 

I need to see the reason why Synchrony listed these reasons for my score. Their source, XXXX, does not seem to provide any basis for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this with the ( Equifax, XXXX, XXXX ) They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and are outright upholding the law
Product: Debt collection

In XX/XX/2021 Central Portfolio Control contacted me about XXXX  bill I was uncertain of. I asked them to send me something in the mail. What they sent me were were XXXX detailed letters for an individual the was not me, attempting to collect XXXX  debts from them. It included the persons name, their address, dates of service, procedure description, billing info, etc. when I received that, I figured it was an error on the collections agencys part. Today, they texted me. I was shocked. I called, and the lady was so grossly rude. I told her I didnt remember the services, she basically called me a liar. They violated HIPPA and turned me into collections. The innocent person whose info they sent me is military as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's dispute results proves my original complaint of failure to thoroughly investigate and my complaint now has escalated to accessory to fraud. Experian concluded in their dispute, that the XXXX XXXX XXXX XXXX has certified that the information reported is accurate. The submission date for this so-called " certification '' from XXXX was dated for XX/XX/2021. This is the month of XXXX. So therefore there wasn't a recent submission to certify. 
My extensive accessory to fraud claim against Experian stems from two illegal inquiries made by XXXX XXXX under their subsidiaries. One of the inquiries, I didn't discover until today ( XX/XX/XXXXXX/XX/2021 ). I contacted Experian on XX/XX/2021 to dispute the inquiry made by XXXX XXXX XXXX XXXX. I informed the customer representative ( forgot her name but the call was recorded ) that I didn't authorize the inquiry made on my credit report. She proceeded with the dispute. While she was gathering information she stated that XXXX & XXXX. may be a subsidiary of a bigger company. The representative was about to explain her statement but then she stopped mid-sentence which seemed odd to me. When I thoroughly checked the inquiries made on my report, now I understand why the representative didn't finish her statement. 
XXXX XXXX XXXX XXXX is indeed connected to XXXX XXXX XXXX. Upon my research I discovered a job posting on zip recruiter from XXXX XXXX XXXX for XXXX XXXX XXXX. 
I just discovered another inquiry made by a " collection '' company called XXXX XXXX XXXX XXXX. I haven't disputed this one yet with Experian. When I looked at the address for XXXX, I discovered that it is the same address for XXXX XXXX XXXX XXXX  that is listed on their XXXX XXXX XXXX profile. The address is : XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX. XXXX XXXX XXXX also shares the same address, but their XXXX XXXX is XXXX. 
I was able to discover this by simply looking at my credit report, so how is it possible that Experian didn't catch the fraud? My answer to the questions is : 1 ) They never investigated my claim, 2 ) They were negligent and proceeded to report regardless of the inaccuracies. Either case that would make Experian an accessory to fraud. If XXXX XXXX XXXX went this far to obtain information about my account, how could I possibly believe that what they are reporting is accurate? To add insult to injury, they made two hard inquiries on my account which could damage my credit. The audacity of them pulling my credit report illegally because they didn't want to lose a dispute. The reason XXXX was able to commit this fraud so boldly is because they probably felt it wasn't going to be investigated. I have attached proof of the information that I included in this complaint.
Product: Vehicle loan or lease

My husband and I purchased a car in XXXX brand new and were financed through a company called Global Lending Service based in South Carolina. 

In XXXX of XXXX, our city was hit by a tornado and several trees were struck down. One tree in particular covered the entire southbound lane of XXXX XXXX XXXX XXXX ( 2 lane street ). To avoid hitting another vehicle head on, my husband and oldest daughter were forced to hit the tree that occupied the entire lane. 

In short the SUV was declared a total loss on XX/XX/XXXX. XXXX our insurance company released a partial payment for the value of the vehicle in the amount of XXXX on XX/XX/XXXX. Gap Insurance paid an additional XXXX on XX/XX/XXXX. NOW Global Lending Service is saying I owe a balance of XXXX. They are saying this amount accrued for the months of XXXX, XXXX, XXXX and XXXX. I'd not heard anything from Global Lending about an amount outstanding or owed until XX/XX/XXXX when they charged off my loan for that which remained. 

How is this fair business practice? I was never notified that XXXX paid a partial payment until I noticed the loan reporting as delinquent on my credit bureau. 

1. My credit score dropped over 60 points for an accident that was an act of nature 2. I was not given any notice that a balance existed on my loan I was told it was totaled and they were waiting for a payment from XXXX in XXXX my previous months car payment had been paid current. 
3. No one from Global Lending Service attempted to contact me until XX/XX/XXXX. So from XXXX I'd accrued this outstanding amount and I see this as unfair and poor customer service. 

I've spoken to several people at Global Lending Service who are offering a settlement however I am without a car, left with a negative credit score as a result of something that was beyond my control. 

Who can help me, and how can this be mitigated in the future as potentially other customers are at risk. 

My belief is Global Lending Services practices these unsound practices as a way to procure additional monies from customers.
Product: Debt collection

I filed a CFPB complaint # XXXX against XXXX XXXX bank for an outstanding negative balance in my account. I have not heard a response from XXXX XXXX within the 15 day window allotted by the CFPB. During this time of waiting for their response to my complaint. My account was turned over to a collection agency " Credit Collection Services. '' I am filing this complaint for CCS not doing a due diligence in checking my account standing with XXXX XXXX and my current complaint status with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act the list of accounts below has violated my federal protected consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U. S.C 1681 section ( A ) States I have the right to privacy 15 U.S.C section 602 ( A ) also States a consumer reporting agency can not furnish a account without my written instruction.

15 U. S. C. 1681 ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information other than records of convictions of crimes which antedates the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following have violated my rights. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX 2. XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX 3. XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX 4. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 5. XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX XXXX SD XXXX 15 U.S.C. 1681 section 602A. States I have the rights to privacy.

15 U.S.C. 1681 section 604A. section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XX/XX/2021, XXXX XX/XX/2021 Several inquiries were reported and placed on credit report without knowledge to the consumer that credit checks were being acquired. None of these inquiries resulted in established open accounts. Requests to have these inquires removed have been ignored by the companies and credit bureaus.
Product: Checking or savings account

Im filing a complaint with the cfpb regarding my Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transaction Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Checking or savings account

On tuesday XX/XX/XXXX @ approximately XXXX XXXX  i recieved a text message Stating that my NV unemployment debit card through B of A had a balance of less than {$50.00}. I immediately went on line to check and there was a transaction for {$480.00}. I calles the bank right away. They closed that card and issued me a XXXX XXXX. They then said I would have to call back in the morning to file a claim, which i did. Unemployment dispersed more funds to me on XX/XX/XXXX. I then tried to log into my account on line and it said my credentials werent recognized. I calles the bank instantly. They stated that my account is closed to fraud activity. Unemployment will only disperse to the B of A card, so now i have no way to get to my unemployment funds, and to top that off B of A wont even send me a check for the funds that was left on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I sent in the police report, the ftc report as well as notarized documentation for my proof of incident. Equifax has refused to block this incorrect and fraudulent info from my credit report stating that the information was verified. I dont understand how an account that I did not open could be verified for me. The accounts in question are a XXXX XXXX XXXX card account XXXX and a XXXX XXXX XXXX account Account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today to seek assistance in disputing the following hard inquiries on my Transunion Credit Report. I have contacted the creditors listed and they told me I have to dispute it with Transunion directly. Transunion has advised me to : " wait them out and see that my credit score will improve over time. '' My credit report shows inquiries that I don't recall authorizing. I understand that they shouldn't be able to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my file because it is making it very difficult for me to acquire credit. 

The Fair Credit Reporting Act ( FCRA ) states that the only permissible purpose for pulling someone's credit is for. 

1. Firm offer of Credit 2. Insurance 3. Employment 4. Court Order The following thirteen ( 13 ) credit inquiries are related to none of the aforementioned permissible. 

- XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please assist me in coordinating with Transunion to see these inquiries removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I'm not liable for this debt with XXXX XXXX XXXX I don't have a contract with the collection agency trying to collect a debt they didn't provide me with the regional contact as requested
Product: Credit reporting or other personal consumer reports

all inquiries need to be removed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and credit plus XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX please update all payment, all payment was made on time XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX XXXX XXXX FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Product: Student loan

Based on prior conversations and information posted on the FedLoan Servicing website, I was advised that consolidation of Direct Consolidation student loans and Direct Parent Plus loans would result in resetting the PSLF qualifying payment count to zero. On XX/XX/XXXX I submitted a PSLF application without consolidating my two Direct Consolidation loans with my Direct Parent Plus loans. On XX/XX/XXXX I received a letter stating that I was not eligible yet to receive forgiveness. A representative from FedLoan Servicing informed me that the payment count was not reflecting the Limited PSLF waiver update and also advised me not to consolidate the Direct Consolidation loans with the Direct Parent Plus loans. On XX/XX/XXXX I received forgiveness on the two Direct Consolidation loans. On XX/XX/XXXX, the Department of Education posted on their studentaid.gov website the following information : " Under the limited waiver your consolidation loans will receive credit for time in repayment on your loans with different counts. Your consolidation loan will be credited with at least the largest number of payments on the loans that were consolidated. '' Shortly after XX/XX/XXXX, it was confirmed by a consolidation specialist at FedLoan Servicing that I would have received forgiveness on all on my loans had I consolidated prior to submitting the PSLF application.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX ( Original Creditor : XXXX ) XXXX