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

My account at Wells Fargo continues to be a topic of debate between me and the bank. It has been in the negatives over {$300.00} for over a month now with no resolution from the bank. The account has been frozen since the original incident, however somehow it continues to continue to drop into the negative. I have provided the bank with multiple proofs as to why the account should not be negative, however Wells Fargo refuses to recognize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itemslisted on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

ZION DEBT HOLDINGS is a collection agency attempting to collect a debt purchased from XXXX XXXX XXXX. This isn't the 1st collection agency that has tried to collect on this so-called debt. After explaining to other collection agencies they closed the account. However, Zion is still attempting to collect a debt that should not be a debt. This contract with the alarm company was made in XX/XX/year>2022. In less than XXXX hours of installation, we called XXXX to come out to repair the service. No one ever responded to the service call so we decided to cancel within the 3 days allotted. We called the XX/XX/XXXX and would be on hold for 3 hours at a time. We finally go thru to someone, still within the 3 days allotted, to cancel the service. They advised they would cancel it and schedule a time to pick up the equipment. No one ever called us back to confirm a pick up date and also we realized our credit card was charged the next month for another months service. We went back to calling over and over again with no result. I then contacted my credit card to discontinue auto-draft.Then someone finally called us for payment and we advised the service was supposed to be canceled within the 3 days of installation. Ironically they had no notes of that. i asked XXXX to come and uninstall their equipment and it never happened. We finally wrote a letter and it went unanswered and still with no resolution. And now this is showing on our credit report with an outstanding balance of {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The addresses that are on my credit report are not my addresses.I have had an issues of identity thief.I filed a police claim and everything to have the issues resolved.I also filed complaint/dispute to the credit bureau XXXX XXXX ) about my identity being compromised, and the information is still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are listing an account that does not belong to me. The account in question is XXXX XXXX. I have tried to get this situation resolved without anything being done and honestly looking into getting an attorney. The amount is for {$680.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information on my file after this complaint my next course of action will be to sue. I have never lived at the addresses that they have listed for example XXXX XXXX XXXX XXXXXXXX georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX, XXXX XXXX XXXX XXXX GA, XXXX, OR XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA OR XXXX XXXX XXXX XXXX, GA XXXX. MY identity was compromised years ago and theyre police reports to prove it and i have only stayed at XXXX XXXX XXXX XXXX ga XXXX and i have been their for over 22 years this is a violation and it has hurt my credit report please have XXXX to delete the
Product: Mortgage

I was given disaster relief and was told my credit would not be affected. They called & was assumed it was a mistake they would fix ; they reported me XXXX days late & refuse to fix it. I spoke with XXXX agents from Wells Fargo they all assured me it would be fixed & they did not fix. They just sent a letter that states all info they sent was correct & they will not be fixing. 




You're confirmed for disaster assistance We know that your focus right now is protecting the people and things you care for Dear XXXX XXXX : Thank you for taking the time to talk with us. Were sorry that youve been affected by the hurricane. 

While we cant waive payments, we understand that you may not be able to make regular payments for this account at this difficult time. To help : We wont report a past-due status for this account to the consumer reporting agencies. 
We wont charge late fees. 

Assistance began on the date you contacted us It will end on XX/XX/2022. This date is 90 days after XXXX declared the county a disaster area. 

Youll receive a letter soon that has more details This letter will include information about what to do if your home is damaged and how you can make up any payments you miss. If you dont receive this letter, please contact us. 


XXXX XXXX Department Wells Fargo Home Mortgage XXXX XXXX Learn more about disaster assistance Read about our disaster recovery process XXXX XXXX Additional resources Find a variety of disaster relief resources at XXXX XXXXXXXX XXXX  Read about your insurance claim check XXXXwellsfargo XXXX XXXX  Reach out for disaster help XXXX XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  to XXXXXXXX XXXX Central Time Prefer email? 

Click " reply '' button and type us your response. 
A representative will then be available to assist you.
Product: Payday loan, title loan, personal loan, or advance loan

SoLo Funds went through a system upgrade a few months ago. During this process, there were several system issues that have impacted borrowers and lenders. During this timeframe, loans were funded, loans were canceled by SoLo and wallet balances were not being properly updated. SoLo communicated that despite all of their issues, they have deemed their migration and upgrade a success and the platform was ready for use again. On XX/XX/year>, I requested a loan for {$350.00} and the loan was processed. The funds were to be credited to my SoLo wallet for transfer to my financial institution. Instead, only {$50.00} was credited to the wallet. There was also a withdrawal from my bank account from SoLo for {$360.00} that can't be explained.
Product: Credit reporting or other personal consumer reports

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$320.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXXXXXX Collection {$3600.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$3600.00} XXXX XXXX XXXXXXXX Charge-off {$11000.00} XXXX XXXXXXXX Charge-off {$5500.00} Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTIY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THESE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023. PLEASE REMOVE PURSUANT TO SECTION 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Accounts DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2000.00} Date Account Opened - XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$5500.00} Date Account Opened - XX/XX/XXXX Date Account Closed - XX/XX/XXXX DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$4500.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2600.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2600.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred has violated my rights.

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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name : XXXXXXXX XXXX - Account # : XXXX Company Name : XXXX XXXX Account # : XXXX Company Name : XXXX XXXX  - Account # : XXXX Company Name : XXXXXXXX XXXX XXXXXXXX - Account # : XXXX
Product: Credit card

I tried to claim the rewards benefit accrued on my account of {$63.00} but PNC BANK refused to give it to me. They claim there is a & {$75.00} minimum rewards balance required to claim the balance. Yet when I read the Terms and Conditions or scour their website, there is nothing supporting that statement. Still they refuse to issue a check for my rewards balance. I am no longer interested in holding a card with a company with such terrible business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$350.00} XXXX  XXXX {$1900.00}
Product: Checking or savings account

Two unauthorized debits were paid by a previous debit card ending in XXXX from Chime. That card was reported lost/stolen and I was re issued a new card ending XXXX. On XX/XX/XXXX a charge from XXXX in the amount of {$110.00} and {$31.00} were paid from my account. How could XXXX charge and collect payment on what should be a closed card? I became aware of the charges on XX/XX/XXXX and immediately disputed them in online bank app. I provided screenshots of the 2  charges from email confirmation in which XXXX was paid by card ending in XXXX. I never purchased anything from XXXX using my current debit card. This has to be a bank error because the charges should have been declined on the use of a closed card. I've disputes twice and Chime denied my claim in their final determination
Product: Credit card or prepaid card

I contacted Chime twice about a XXXX XXXX card that was fraudulently opened using my email address, my name and possibly my XXXX. I called their customer service number and selected the fraud option. I explained that I believed my email and information was used to fraudulently used to open a Chime debit account. It was sent to my son 's address in another state, since I had co-signed for his college apartment. I explained that I found out about it because I received an email stating that the card was on the way. The representative went in, found the account and told me that he changed the email address. to something else. I asked for more information on the account as it was fraud and they said that they just removed my email from the account and that was it. I asked to be transferred to someone in the fraud department because I wanted to know what they were going to do and to have them provide me more details. I did get a reference # and the person told me I would get an email. I persisted and they said I was being transferred. Nope, right back to account management. I then got an email stating that my account 's email address was changed to something else that was similiar by different than my real email address. 

Later that day, the XXXX debit card arrived. I called back and asked to speak to a supervisor because the incident did not get taken care of and I was not confident unless I spoke to a supervisor. For 20 minutes the representative kept asking to help and saying all supervisors were busy. I mentioned I would wait but after 20 minutes, the representative terminated the call saying I was unwilling to work with them or something like that. 

Chime is not interested in dealing with reported issues of fraud.
Product: Debt collection

On XX/XX/XXXX, XXXX received a call from a representative of XXXX University regarding taking a class online. At first while talking to the consular, it sounds like I would be interested so I checked out the website but had not taken any class 's or gone to the University to participate in any of their class 's while living in XXXX, XXXX. 

I decided that I was not interested in taking any class 's online at XXXX University or I did not sign any agreement with XXXX University. They stated that they have an electronic signature on file. ( See attachment ). 

XXXX University kept on calling me about taking the class until I moved to a different location in XXXX, XXXX and there was no more contact with them. 

While I was living in XXXX, XXXX I started to inquired about my credit history XX/XX/XXXX and found XXXX University had place a balance own my credit report, owing them {$540.00} for classes I did not take online. 

Attach is the documents that ATG Credit sent to me, they are the third party that is trying to collect this money for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I paid a debt listed on my account in full, upon it not being removed I have submitted disputes to Equifax and XXXX  with my proof of payment on two separate occasions now.
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against IC SYSTEMS for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Product: Mortgage

On XX/XX/ 2022 I sent a mortgage payment to the mortgage servicer via my banks bill pay service. I sent an over payment as I do most months to be applied to my principal. When I received my XXXX statemant I saw that they had put the extra payment toward the next months interest not the principal. On XX/XX/XXXX I called the mortgage servicer and was told that the error would be corrected. As of XX/XX/2022 it still has not been corrected. I also explained to the person on the phone that this has happened before and I had instructed them that any extra monies were to be applied toward the principal. At that time I was told that all extra payments had to be applied toward the next months interest! I instructed them that was illegal and I would report any further misdirection of overpayments and here we are again with over payments being applied to interest not the principal balance!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and my personal information was compromised. They knew of the breach on XXXX but are now just notifying the public that their information was compromised.
Product: Debt collection

On XX/XX/21, I received notice, via USPS, that XXXX XXXX XXXX alleges I owe their client, UGH I LLC, " XXXX, and XXXX ( {$XXXX} ) '', dated, XX/XX/21, for a " XXXX Credit Card '', with no original creditor cited. I immediately responded, via certified USPS Mail, return receipt, # XXXX, to dispute the debt in full and request validation within thirty-days ( 30 days ). A duplicate request was also sent to UGH I LLC, via, certified-USPS-Mail, return receipt, # XXXX. And a second validation notice was also sent to XXXX XXXX XXXX, on XX/XX/21, via USPS-Priority-Mail, although they had received prior notice, and the 30 day period had already begun with both parties. As the request with XXXX XXXX XXXX, was signed for on XX/XX/21, by Mr. " XXXX XXXX '', and the request with UGH I LLC, was signed for on XX/XX/21, by " UGH ''. Please see the attached letters, titled, " XXXX '', and " XXXX '', including return receipts, with signatures. After not receiving any response from either party, cease and desist notices were mailed to both parties on XX/XX/21. However, on XX/XX/21, I did receive what seems to be an inadequate attempt to validate this alleged debt from XXXX. However, it was post marked, XXXX, XXXX, and dated, XX/XX/21, well after the thirty-day ( 30 day ) period to investigate under the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ) expired. Please see the attached envelope, and letter, titled " XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for my first mortgage and when my credit report was pulled it was brought to my attention that inquiries was still on my credit report. from all sorts of auto companies pulling my credit, and I do n't even have a drivers licenses only a state I.D and this is really stopping me from purchasing my first home. The inquiries are as followed. XXXX-X/XX/2016 XXXX XX/XX/2016 XXXX XXXX- XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016, XX/XX/2016 XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016
Product: Debt collection

I received a copy of my XXXX credit report and noticed that transworld systems have been checking my report on XXXX different times XXXX and XXXX. I do n't have a account with this company. I XXXX the company name to find that they are a collection agency. They never tried to contact me by phone or mail just keep looking at my report as an account inquiry. I do n't know who they are and would like them to stop looking at my report I do n't want this to end up on my report without any verification.
Product: Credit card

Hello, I sent the CEO, CFO, President and General Counsel of Bank Of America an affidavit to validate the debt. They responded by sending me a year 's worth of billing statements. I responded by stating billing statements is not what I asked for.

One month later all XXXX  accounts were closed and 3 months after that I received letter from a debt collector they hired to go after repayment of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act inquiries done by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my rights. 

I do not recognize these inquiries. Never been in contact with any of these companies there forth these are fraudulent and are inaccurately reported to my credit profile. 

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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD INQUIRIES BY THESE COMPANIES NOT PERMISSIBLE BY ME FROM XXXX XXXX ON DATES XX/XX/XXXX AND XX/XX/2018 AND XXXX XXXX XX/XX/2018 AND XXXX XX/XX/2018 AND XXXX BANK XX/XX/2018 AND XXXX XXXX XXXX XX/XX/2018 AND XXXX XXXX XXXX XXXX XX/XX/2018 THESE ARE ALL FRAUD INQUIRIES.THESE BANKS OBTAINED FRAUD INFORMATION FROM MY CREDIT REPORTS NOT PERMISSIBLE BY ME.
Product: Checking or savings account

On XX/XX/2018, I discovered my once trusted house cleaner wrote $ XXXX worth of fraudulent checks to herself over the course of 16 months. These checks were significantly large amounts and uncharacteristic to my bank account, $ XXXX, $ XXXX & $ XXXX, not once was I alerted by Citizens Bank of possible fraud. This women even set up auto pay on my checking account to pay her utilities and again, I was not notified. Citizens Bank says I had 30 days from the time of my bank statement to report the fraud, and they are not responsible. Even the check that was caught within the 30 day window, was not covered because they said if I caught the first check, the other checks would not have been cashed. This is outrageous and blatant abuse of power. My money should have been safe in the bank, and I believe that Citizens Bank was negligent in their fraud protection. I have made several requests to be reimbursed, but I am being ignored. 
I think the banks should have far more responsibility than sending out a statement. 
BTW, my statements were taken by this thieving cleaner.
Product: Debt collection

XXXX and XXXX representatives have been repeatedly calling me and everyone I had listed as references on their application, friends and family, calling them repeatedly, even after they said to stop calling, but continue to call XXXX times daily since XXXX XXXX, 2015. They have also inappropriately shared sensitive information to these XXXX parties.
Product: Mortgage

I called flagstaff to get a suspension of my mortgage because of Covid 19, let them know I was recording the call and they hung up on me.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX TO XX/XX/XXXX, AND XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.