23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

When the company called me, I stated that they had the wrong number, they were looking for a XXXX. Then he tried to confirm the address and again i stated that had the wrong number and he states that I am just asking a question. Asked for the company 's information and advised that i would be filing a complaint.
Product: Checking or savings account

Applying for a grant and PNC will not allow access to deposit money into my checking account.
Product: Checking or savings account

XX/XX/2018 I opened an account with BBVA Compass. In a weeks time, they allowed my account to be compromised, they froze it, i did not even HAVE my debit card yet when they did. They have still not let me get my money out. Even had to open a SECOND account and they still won't let me. I had to miss my father 's funeral due to them not giving me access to MY MONEY. I filed a fraud claim, I have continued to not be able to pay bills or pay for meds I have repeatedly been railroaded by every department in this bank. I have been discriminated the to my XXXX, refused STILL to allow me to get my money. im Broke, mad, and I want HELP. They also made a mortage I NEVER  applied for
Product: Bank account or service

This complaint is regarding Wells Fargo. XX/XX/XXXX I refinanced my home mortgage taking cash out to make home repairs, pay off an auto loan and pay off an installment loan with Wells Fargo. On XXXX/XXXX/16 I made the final payment on the installment loan at a local Wells Fargo branch. This check included a slight overpayment. The payment on the loan, final accrued interest and overpayment were all processed on XXXX/XXXX/16. On XXXX/XXXX/16 Wells Fargo reversed the entire amount paid on XXXX/XXXX/16 telling me the loan payoff was coded incorrectly. The representative on the phone told me on XXXX/XXXX/16 the loan payment was being reprocessed and should be back dated to the actual payment date. In the meantime, Wells Fargo is telling me the same installment loan is past due and put a {$39.00} late charge on the account. On XXXX/XXXX/16 I called customer service to find out why the reprocessing of the loan payoff still had not gone through. I was told it was still in process. On Saturday, XXXX/XXXX/16 I went to the local branch where the original payment was made back on XXXX/XXXX/16. The personal banker called on this same installment loan and was told the payment was not made correctly. And that Wells Fargo is reprocessing the payment. This personal banker in the branch said everything was applied correctly on her end, so she felt this should be resolved and soon. Today, XXXX/XXXX/16 I contacted Wells Fargo customer service via phone again and was informed the bank check from the title company was returned for insufficient funds twice. We contacted the title company who confirmed verbally the check for the loan cleared their bank on XXXX/XXXX/16. Account numbers and check numbers were confirmed. Payments were due on this installment loan on the XXXX of each month. The loan is now XXXX days past due according to Wells Fargo. Yet I have a receipt with a transaction number proving I paid the loan IN FULL on XXXX/XXXX/16. This loan pay off was rolled into my current mortgage with Wells Fargo. So I feel they are trying to collect on the same debt twice and/or lost {$6800.00}! I keep getting told by Wells Fargo " we need to research this '' but no one can seem to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, 2017, XXXX XXXX, XXXX placed a collection account on my XXXX and XXXX credit report. The account is from XXXX XXXX in the amount of {$410.00}. I disputed this same account approximately 4-6 months ago as not being liable for the account due to fraud. The account was removed via my dispute but has now been sent back to XXXX and XXXX credit reporting agencies and placed on my reports once again. I 've attempted to dispute with the credit bureaus, but have not heard anything as of yet. This is week 3 without a response. I am asking for your help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent inaccurate information to credit bureaus. They reported account was closed and charged off. This inaccurate information also negatively affected my credit, to the point where I was denied an auto loan after a vehicle was totaled as a result of the adverse information which they reported to the bureaus. Which affected me by not being able to replace that vehicle. XXXX XXXX knows they are wrong, There are numerous consumer lawsuits, A class action suit settled recently against them. Truth in lending violations in my contract, as well as predatory lending tactics.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the presence of the following accounts on my credit report, as they are not mine and have been reported without my consent. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these accounts be removed from my credit report immediately : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX These accounts have been erroneously reported and have violated my rights under the FCRA. Specifically : Right to Privacy ( 15 U.S.C. 1681 Section 602 ( a ) ) : The FCRA stipulates that I have the right to privacy regarding my credit information. The presence of these unauthorized accounts on my credit report represents a breach of this right. Provision of Information Without Consent ( 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) ) : The FCRA mandates that a consumer reporting agency can not furnish credit information without my written instructions. The aforementioned accounts were added to my credit report without my consent or authorization, constituting a violation of this provision. I request the Consumer Financial Protection Bureau to investigate this matter and ensure the immediate removal of these unauthorized accounts from my credit report. Enclosed with this letter, you will find copies of my credit report highlighting the disputed accounts and any additional supporting documentation. Thank you for your prompt attention to this urgent matter. Please contact me at the provided contact information should you require any further information or clarification. Sincerely,
Product: Payday loan, title loan, or personal loan

NetCredit charged me an exuberant interest rate @ 65 %. The minimum rate for the State of South Carolina is 39 %. According to SC State law anything above 39 % is considered ( Usury ). Sent a certified letter to Netcredit on XX/XX/2022 in efforts of lowering my interest rate to the minimum allowed rate here in SC where they're license to do business with fellow residents of the same. Placed several calls to Netcredit in order to ascertain their decision. Met with negative results on each occasion. My payment history has been performed as promised up until this point. That said, I respectfully request your assistance regarding the interest rates in question. Thanking you in advance for your prompt and professional handling of this matter...
Product: Credit card or prepaid card

Bad customer service due to closing my discover card account for no wrong doing of any kind A credit check was ran after having this account with discover for over a year Two to three credit line increases, with an excellent payment history XXXX balance at the time discover closed my account A credit limit of {$5900.00} Discover states negative items appeared of credit file and without calling me they closed my account They never verified if negative info was true Or if my identity had been stolen Or if someone else credit file merged with mine
Product: Money transfer, virtual currency, or money service

I sent a money wire threw my phone for XXXX the guy stopped responding so I then asked for a check received a check on XXXX and my bank would not cash it said it was fraud
Product: Debt collection

This is a notice and demand of validation of debt and dispute. 
ERC Account # XXXX This is a formal request for validation of debt according with FDCPA The above reference account is not acknowledge as valid and validation is requested. In addition to this request for validation. I am disputing the balance owed, the account status, the payment responsibility, the comments, the past due amount and the date opened portion of the alleged debt indicated by the above reference account. The insertion of rights to dispute should not be construed with verification or validation of alleged debt. 
Please provide me with the following : 1. A copy of your original contract to account # XXXX under which I accrued the alleged debt for {$2500.00}. 
2. Please provide me with the name and address of the original creditor as well as proof of your authority to represent the creditor or consumer in this legal matter.

3. An acceptable form of proof would be : A power of attorney or an assignment letter appointing you for the debt or a statement sworn under penalty and perjury that the debt is valid and you are legally entitled to collect this debt on behalf of the original creditor 4. Provide me with the name and the official title and person to whom you verified this information with, their company or their computer base system used for verification.

5. Please also include the date which you communicated with that individual or the date by which the system was access.

6. As a request for validation, please provide an accounting of any monies, property name is as collateral insurance or services subject-to or arising out of the transactions that create this alleged debt obligation.

7. Please inform me of the date you opened account # XXXX 8. Please provide me a record of any payments or other reductions since the last billing statement for account # XXXX 9. Please inform me of whether your agency has a debt collection license of Florida and if not, please explain why. 
10. Please provide me with the date of your professional license for debt collection along with the name of the license, the license number, the name, address and telephone number of state agency issuing the license and your tax ID number. The address of your registered agent and your business registration issued by your Secretary of State office.

If you provide the requested documents, I will require at least 30 days to investigate this information you provide. 
During this time you must cease collection activity, do not report any negative information to the credit bureau during this validation period. 
If your office does not respond in 30 days, you have to remove it.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated. 


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. 


EQUIFAX 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 XXXX and It was never provided. 


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


Update the late payments from my consumer reports
Product: Checking or savings account

I reluctantly signed up with Chime to allow several of my tenants to be able to pay rent through Chime. When setting up the account ( solely for tenant rent transfers ) Chime then sent me a debit card. After allowing only one tenant to transfer via Chime to test out the Chime software I found I was unable to transfer the funds from Chime to my bank account because Chime said I have to activate a debt card in order to receive my funds. I feel as though I'm being extorted. I can't access my own funds UNLESS i add additional Chime services I don't want or need? I finally was able to reach someone from Chime and they had my log onto their website to address it. They could not so then they said I need to download the Chime app since it was the only way for me to get my funds. Then they said I need to activate a temporary virtual debit card in order for Chime to allow me to transfer the funds to another active account I use. In other words, I need to keep adding more Chime services in order to get my money Chime will still not allow me to simply transfer to another account I have already connected to Chime? 
This form of extortion, blackmail, or whatever you want to call it by withholding my funds until I accept all their extra services strikes me as an especially sleazy and dishonest way for Chime to expand their offerings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to contact credit bureaus about this issue I have with this company on my credit report, its showing different montly balances, and different account balances. I want this account removed from my report ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 


XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documentation so I may review to see the validity of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the creditors and credit bureaus to let them know the inquiries included in the document below are not supposed to be reported to my credit. These should not be visible on my consumer report. I never gave them written consent to report them. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Money transfer, virtual currency, or money service

Coinbase, this company has locked my account for over six months ... .I have called at least ten times only to hear that we will sent my request to another department. My account is labeled Under Review... .no explanation why or when it will be resolved... .Only that it seems nobody know nothing, ... .Please assist me in trying to gain ACCESS to my account... .Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
[ XXXX XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof or if lacking proof of these payments being late please update my payment history to XXXX status ( Paid As Agreed Never Late ) according to consumer protection laws.
Product: Credit reporting or other personal consumer reports

I AM THE VICTIM HERE AND TRUSTED YOU TO INVESTIGATE THIS MATTER WITH FAIR AND JUST! !. I QUESTION THE AUTHORITY upon which this denial is based and request clarification on the matter. Please clarify, why you will NOT block my identity theft because youve determined its an error or misrepresentation of material fact. When YOU ARE NOT IN THE POSITION TO DETERMINE THE MATERIAL FACTS? ONLY THE JUDGE OR THE JURY COULD JUSTIFY THIS MATTER. YOU HAVE ABSOLUTELY NO RIGHT!!! The FTC states if you receive an FTC identity theft report which is filed with a law enforcement agency ( WHICH IS THE FTC ), then you are to comply with the law I AM DISPUTING THESE UNAUTHORIZED ACCOUNTS AS THESE WERE FRAUD : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports, and credit bureaus are obligated to conduct a reasonable investigation. I am unclear about the specific reasons for denying the deletion of these fraudulent accounts. I request that you provide a detailed explanation of the basis for your denial, citing the specific provisions of the FCRA or any other applicable regulations.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I have called and spoken with customer service of XXXX, and I have filed disputes with Experian, XXXX, and XXXX with no resolution. When I asked about speaking to management, I was told they do not speak with the public. 

Both are charge-off accounts. However, XXXX credit bureau says it's a collection account. 

When I called, I was told that one CHARGE OFF account was recently sold to a collection agency called XXXX XXXXIncorrect and inconsistent amounts are listed on each bureau related to dates opened, Information is listed differently related to secured loans, collection, and charge off. 

The balance has been increasing, which should not be due to it being charged off. It should be continuously reporting a charge-off monthly, nor should it be accumulated interest if it has been charged off already. 

If the account has been sold, it should be deleted, as this will be double jeopardy in reporting two duplicate accounts on my report. Especially if one has been charged off and you have legally taken it as a loss with IRS. 

The consistent inaccurate reporting on my credit report over the past several years needs to be fixed by removing these XXXXXXXX XXXX. I have tried to rectify this over the past 60 days.