23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB, Please take strict action on Equifax for violation of the Fair credit reporting act. It has been more than 3 months since my consistent follow-up and several notifications from XXXX to Equifax regarding correction on the report. Despite of several notifications from XXXX XXXX  and me to Equifax, Equifax consistently violates the act and does not correct the report by removing the wrong hard inquiry of XXXX. Every time, Equifax only does drama ) '' we are working on your complaint '' ) and after taking the adequate number of days, just simply closes the complaint.. Attached is letters issued by XXXX XXXX  in this regard.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX Concrete XXXXU v. XXXX, XXXX Haw XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. Failure to comply with these requests XXXX result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. Thank you for your immediate attention.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXXXXXX 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX 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: Debt collection

Requested debt validation and disputed the debt after it was submitted to a collection agency, despite the original creditor refusing to respond. Still, i have not had a response from either and they have had plenty of time to dispute this as well as validate this information. They refuse to send me written communication in response, despite my numerous request sent via certified mail and having evidence they indeed received my requests.
Product: Debt collection

I did not receive a bill in the mail from Wells Fargo Dealer Services for my monthly auto loan payment. I was subsequently charged a late fee. The following month, I did not receive my bill again so I called customer support to address the matter. To avoid another late fee, I elected to pay the bill over the phone. The representative confirmed that I would be charged my monthly payment due of {$210.00}. My bank account statement shows I was charged {$220.00}. I called customer service again to rectify the issue and they removed the additional {$10.00}. The conversations were recorded. 

I want to report Wells Fargo so that they are investigated to determine if this is a regular occurrence.
Product: Checking or savings account

On XX/XX/23, I discovered that my minor child had made {$4800.00} worth of unauthorized charges with my debit card. I contacted Regions to cancel the card and to file disputes. 
The charges were all made through 2 merchants that were a part of my online wallet. Regions issued a temporary credit. A month later I received a letter that Regions found the charges were authorized and they would be debiting the {$4800.00}. I contacted their customer service and the lady I spoke with said the merchants had provided a copy of my ID so they did not consider it unauthorized. I explained that I did provide my ID as a part of opening accounts with the merchants but I did not authorize a single one of the charges. She said there was nothing they could do. I did not authorize these transactions. That was literally almost all of the money in my account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the eveidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I have banked with Wells Fargo for the past 8 years until they recently closed my account due to overdraft payments and account mix ups. Apart from being over sold different saving accounts for myself, my wife and even my son I was a happy customer up until the last 6 months. I recently went through a troubled period with my wife that led to me losing my job and also my wife opening her own account to rather than use our shared account at Wells Fargo. Everything came to a head when my wife and I worked things out and she asked Wells Fargo to close the account she had recently set up. Wells Fargo closed our joint account instead which led to problems with paying in funds to our joint account and being able to withdraw any monies that were already in there. From that moment on everything went into a spiral, late fees, missed payments on bills, credit cards and no real help from any of the tellers at my local branch. Eventually the correct account was closed and the other account reopened but the damage had been done. Now there 's a {$700.00} overdraft on the account which Wells Fargo have closed which of course hit my Credit Score hard. There 's also closed Wells Fargo Credit Cards one for {$300.00} and another for {$1500.00} that are all collecting large interest penalties while I try to recover from the mix up. I 'm now back in full time employment and able to take on a reasonable debt repayment program but feel Wells Fargo are partly responsible for the accumulated costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted FedLoan Servicing to request a temporary address change for a few months in XX/XX/2015. I had to go out of the country to check on my daughter who was living in the XXXX for medical school. I made the request in XX/XX/2015. Even though I made the request, I never received my student loan statement to my new address for the few months that I was living in the XXXX. I wasnt made aware that there was a bill due because fedloan did not do as they said that they would and update my temporary address. All dates that I would be gone we also notated. This is very unfair and unjust.
Product: Credit card or prepaid card

I am having difficulties with buying a house and applying for new credit cards. On XX/XX/2019 my bill did not go through account with missed payment. I am kindly requesting SHELLPOINT MORTGAGE SVC to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Prepaid card

I already submitted a complaint on another service ticket on XX/XX/year>. The ticket has been closed by the AMEX customer service advocate. The ticket number is XXXX. 
Someone called me on Friday XX/XX/year> and left a message to call back during business hours Monday - Friday XXXX XXXX  through XXXX XXXX. I called back as soon as I could several times XXXX ext XXXX. That extension then rings to another voicemail box, XXXX, which is full and can not record any new messages. The initial complaint/ticket has not been resolved because I have not spoken to anyone yet. 
I still have a balance of XXXX dollars which I can not use at stores ( e.g. XXXX XXXX or XXXX ). Again, there is a known issue with AMEX gifts declining because there are so many safety restrictions that the card is a hassle to use.
Product: Student loan

I called Navient on XX/XX/year> asking for the school misconduct form and requesting a forbearance along with another form to be sent to my email. The lady claimed she didn't know what I was talking about and got another agent on the phone who said they will be emailing a forbearance form along with another form. I got transferred back to the first agent and asked can my forms be mailed to my home address and was told no. They would have to be sent to my email. After explaining everything will be sent I hung up. After XXXX hours of waiting for my forms and still nothing. I called back and talked to the automatic system and I said I need the school misconduct form into the system and the line was disconnected.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters with multiple request to have credit inquiries removed that I did not recognize from my credit reports. XXXX removed the inquires, XXXX and Experian refuses to remove the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$590.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$1000.00}. According to FCRA XXXXection 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 the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My husband died in XXXX. Some people were helping me and had access to his personal information. They opened up a credit card in our names. The capital 1 credit card on my credit report was never my card and I did not authorize or open this account.
Product: Debt collection

I have loan thru the this company, i recently had a problem where someone hacked into my checking account, i reported to all my creidtors, all of them worked with me except these advance america. when i let them know, i was told not problem, i made a part of a payment, since the bank would only let me have a portion of my funds, I was told that would be fine. even before my next payment was due, i received a email stating that i was in default and that i would have to make these ridicules payment over the next 6 months! These people are nothing but liars and cheats!!!
Product: Credit reporting or other personal consumer reports

I was never provided with proper debt validation. This is not my debt and have requested original contracts or promissory notes from debt collector but never received any of it. This is in violation with the laws under FDCPA. I demand this invalidated debt be deleted from my report.
Product: Checking or savings account

Hello, I have safe deposit with US Bank in XXXX XXXX, IL. I paid the {$130.00} on XX/XX/XXXX approximately XXXX and explained to the teller ( XXXX I believe is her name ) that I will probably be closing the safe deposit box within the next week and if I did would I receive a refund. She informed me yes and I told her I would return. She stated thank you for waiting as it was a lengthy wait on this particular day and I asked again if I would receive a refund. She stated yes again. 

I returned on XX/XX/XXXX and proceeded to do what I thought was appropriate and close the safe deposit box as I had pretty much dissolved any business with this financial institution because of bad customer service. I was waited on by XXXX XXXX and unbeknownst to me as she was cancelling me out I retrieved my items she did not provide me with a refund like XXXX had stated I would receive. I informed XXXX regarding the conversation XXXX and I had on the prior Saturday. I told her that although XXXX did not know the amount she did not know the extent of the amount. I informed XXXX to reverse the cancellation because I would have not paid the safe deposit fee that prior XXXXy had I known and would have retrieved my items that day had I not received misinformation. 

XXXX provided me with a form with an amount of {$95.00} and when I asked her about the additional {$40.00} she became very indignant and told me the fee can go up at any time and that I could not receive a refund. I informed her it was completely unfair that not only was I given misinformation but there was price gouging and asked her to provide me with her full name and the branch managers name. 

She attempted to write her name down on a sticky note instead of providing me with a card and I had to insist on getting the branch managers name. To my dismay the branch manager was sitting right there while all of this was unfolding and told me that XXXX does not handle safe deposit information and would not know how it should be handled. 

I explained to the XXXX XXXX ( branch manager ) that I would have cancelled the box the same day however she would not listen and basically informed me that this is just how it is. I also explained that is really unfair treatment which resulted in me closing accounts in the past and for them to suggest that I can still close and be out of {$130.00} is ridiculous. While this entire ordeal was unfolding, I was on the phone and my witness heard the unprofessionalism. 

My position is had a known I would not receive a refund, I would not have renewed the safe deposit box and returned less than a week later and spend 40 minutes for nothing.
Product: Debt collection

I had rented through an apartment complex called " XXXX XXXX '' in XXXX, Virginia from XX/XX/XXXX though the end of XX/XX/XXXX. We had left our lease early as I needed to relocate for a job opportunity. I had to go through the early lease termination which was set at XXXX or 2 months rent. We were told we would leave, they would make their assessment of the amount of the deposit to be kept and send us a notification of the amount still owed. I received the letter listing what the deposit was used for and the amount left over and the notice I had 14 days to dispute the amount with the management team. This letter had no due date and had no terms on how payment should be made or at what date the payment was due by. So, reasonably, I was under the assumption they would wait the dispute period and then would send me a final bill. The next communication that I received was a phone call from a debt collector saying that I was sent to collections and asked if I was able to pay the amount in full that day. I told them during the first call that day that I was at work and requested a call back the next day. I was then called a few hours later that same day after making an appointment for the following day. I told the representative this and he said that he figured he would try again just to see if I was available. I told him I was driving and was unable to do any kind of payment or really work out many details. I did ask what the settlement amount was and was told the offer was available for 24 hours. I told him I would have to be in contact with them later and that this amount shouldn't have been sent to collections yet as I hadnt revived a final bill. He told me that the debt has been reported to them on XX/XX/XXXX, and they reached out to me on XX/XX/XXXX. They didn't inform me of my ability to dispute the debt at all and as of today XX/XX/XXXX I have yet to receive any written document from the debt collector. Looking back at my lease it says that I have 60 days after my vacation notice from the apartment to settle all amounts owed to the management office. My vacation notice date was XX/XX/XXXX which means I would have had to pay any amount owed by XX/XX/XXXX before my account would have been sent to collections. The collection agency is Hunter Warfield.
Product: Debt collection

Received letter dated XX/XX/XXXX on XX/XX/XXXX. Called regarding and business closed on XX/XX/XXXX. XXXX   XXXX XXXX called XX/XX/XXXX and provided incorrect information on debt. They called again on XX/XX/XXXX and harassed us about payment. Informed them I need to determine the debt. Contacted original service provider on XX/XX/XXXX and he was unaware. Did a three way call with service provider and XXXX  and found out need to do research to determine if service provider was paid through Telecheck. Was informed would not be bothered by XXXX  until we had time to verify debt. Received harassing call from XXXX 2 hours later about debt. 

Original debt was with XXXX XXXX XXXX which was paid on XX/XX/XXXX. XXXX XXXX XXXX used Telecheck to process the check. Telecheck claims paid XXXX XXXX XXXX immediately. No contact from Telecheck about problem reading the electronic form of check until XX/XX/XXXX. Was informed debt was transferred to Telecheck and they are using XXXX XXXX  XXXX to obtain payment. XXXX XXXX unaware of being paid by Telecheck for this amount.
Product: Credit reporting or other personal consumer reports

INACCURATE PAYMENT REPORTING INFORMATION GIVEN TO CREDIT REPORTING AGENCIES. AS LISTED IN DOCUMENTS. EXPERIAN AND XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS HAS VIOLATED MY FEDERALLY PROTECTED RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 UC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681s-2 ( A ) ( 1 ) SECTION STATES : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO ANY CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATIONIS INACCURATE
Product: Credit card or prepaid card

My identity was stolen and multiple credit cards was opened in my name using my social security number
Product: Credit card or prepaid card

I recieved an offer for {$200.00} cahsback after spending {$500.00} within the first 90 days of opening an account. I spent the {$500.00} before the 90 days and then called the CaptialOne to inquire about the cash back reward. I was told that this account did not have a cash back associated with it. I then asked to have this issue looked into. XXXX business days later a Capital One rewards representative called back and told me that after the application process Capital One made a counter offer on the application which did not incluide a cash back rewards but rather modified APR terms. I then told tem I would payoff the card and cancel it. I was never advised in obvious communication that the credit cards terms had changed. I feel this was improper advertising and done not in good faith. When an offer is made and then accepted the deal is over but what Capital One is trying to do is modify their terms aferwards and I am not talking about the credit card terms but the reward terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I received a notification of a XXXX XXXX inquiry that was fraudulent. Transunion would not allow me to dispute the fraudulent inquiry. I already have 3 XXXX XXXX accounts on my credit file and it is not logical for me to apply for another one. I am also in the process of closing on a home towards the end of XXXX and this inquiry could destroy my process.