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

On XX/XX/year> I received a {$14.00} ( reference # XXXX ) paper check from the Wells Fargo Customer Remediation department. On the back of the letter, it states that I should call XXXX if I experienced any impact due to Wells Fargo 's error. I called several times between XX/XX/year> and XX/XX/year> to express the impact I experienced and was denied further mediation and escalation. This directly contradicts the promise made by Wells Fargo to address the situation fairly and ethically.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was added to my husband XXXX XXXX XXXX 's account at XXXX department store as an authorized user a few months ago. He had a high balance when i was added. The next month i asked to be taken off account as a user because the balance showed up on my credit account and lowered my score. They took me off the account. It still shows a high balance of XXXX on my account as an authorized user on credit reports. I have since in the last few days opened my own account at XXXX in which it does not show up yet. But i want my husbands account balance off my credit report - please.
Product: Debt collection

Mariner Finance , LLC is reporting fraud account a charge off account on my credit report in the amount of {$1700.00} and account ending in XXXX. This is not my account. This is a result of identity theft. This fraud account needs to be removed from my credit report immediately.
Product: Debt collection

When XXXX XXXX XXXX reaches out to me on XX/XX/2020 around XXXX oclock XXXX. They harassed me about paying a debt. Well i told them due to the pandemic Im not able to continue reoccurring payments. So I ended the conversation. Im getting my self together slowly but I dont need any ignorant people calling me. Times are hard now. I did give them two payments but I can not do anything at all right now.
Product: Checking or savings account

I had an unauthorized charged of XXXX by a hotel and I didnt authorized this transaction. I have disputed twice and they have reversed the credits and took it back from my account. The refused to give me on the unauthorized transaction. I had called the the second time said sorry my mistake we will credit that to you and the just took it on the XXXX of XXXX, 2023. Wells Fargo is the name of the institution. I have never filed a dispute with them and they dont believe me on this charge. I feel helpless. Please help
Product: Debt collection

Balance incorrect. Short-term XXXX insurance was carried on this card and payments were made by myself and the card 's insurance. This balance is being recycled/sold and the amount owed is fabricated/misrepresented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on Transunion credit concerns. 

1. a ) Transunion XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Telephone # XXXX did inquiries on my credit XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX these inquiries I am not familiar with or authorized any inquiries to my credit. 
b ) Also from Transunion XXXX XXXX did promotional inquiries on XX/XX/XXXX. 
Telephone # XXXX XXXX. XXXX inquiries without my knowledge XXXX  on XX/XX/XXXX telephone # XXXX. 
XXXX on XX/XX/XXXX telephone # XXXX XXXX. XXXX XXXX via XXXX Transunion interact on XX/XX/XXXX telephone # XXXX I did not authorize this inquiry how did they access my credit file when I have a freeze on it. 
How did these companies got into my credit with a freeze. 

Great concern : How did XXXX Bank Delaware was able to do a hard hit inquiry on my credit with a freeze. I contacted them at XXXX XXXX XXXX and they dont have any records of me. Then why was there a hard hit on my credit bureau account with Transunion. 
I told XXXX agent yesterday my concerns and she said she was transfer me to their security and I waited a minute then she hanged up
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Money transfer, virtual currency, or money service

The cash app has to be in cahoots with the scammers. I had an issue with moving money to my bank account and hit get help. Immediately went down the rabbit hole where they took all {$500.00}. Then to insult they called back. I tried calling the number for the company and they said I had to go through the app and tried taking me through the prompts which were incorrect.
Product: Credit reporting or other personal consumer reports

I recently disputed an account on my consumer report for having an incorrect balance with the account number XXXX it is a charge off and the balance keeps increasing. the account was charged off for XXXX and now the balance is reporting as XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}.
Product: Debt collection

Trident Asset management is trying to collect on a debt of XXXX not owed. I am asking for contract with Trident. I am requesting for this debt collector never to contact me with harassing calls or letters.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to address an issue regarding my account with LOQBOX FINANCE XXXX LLC, listed under **Account Number : XXXX XXXX According to my credit report, the account has a reported balance of XXXX XXXX XXXX, a status of **PAYS AS AGREED, ** and is marked as closed. 

Despite the account being closed and having no outstanding balance, it remains listed on my credit report. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), I believe that closed accounts with a XXXX balance should be removed from credit reports, as they do not accurately reflect my current credit situation. 

I respectfully request that LOQBOX FINANCE XXXX LLC take the necessary steps to remove this closed account from my credit report. This action would ensure compliance with federal regulations and provide me with an accurate representation of my credit history.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report .I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any transactions previously made by me the consumer. XXXX inquiry dated XXXX .Please remove these inaccurate inquiries off my report
Product: Debt collection

New CFPB compliant against Collection Consultants of CA in response to previous CFPB compliant #XXXX.My right to dispute a debt that is not mines is being impeded by there stall tactics. Collection Consultants of CA responded on XX/XX/19 that they don't have an account in there records with the account number XXXX. In this case you are committing fraud and defaming my character by placing incorrect information onto both my XXXX and XXXX Credit Reports please review my Attachments . As a debt collector or third party vendor I don't owe you any money because I never established a contract with you. Also please note that Bill statements or receipts are not documents of debt validation.  All the information I provide in this compliant is all the verification you need lets stop playing games.
Product: Debt collection

I have been a victim of identity theft previously and I am a XXXXXXXX XXXX XXXX  on a fixed income!!! When I receive phone calls, texts, emails, XXXX etc. no information is given period!! I had asked XXXX XXXX  XXXX on numerous occasions through their phone calls, texts and their website to only contact me thru XXXX and to properly validate these so-called debts. They sent me back a letter stating they did not understand what I wanted when I was very clear. I then drafted a cease-and-desist letter on XX/XX/year> and requested again, as previously, proper validation on the so-called numerous debts. It was mailed certified and signature confirmation on the same date. On XX/XX/year> at approximately XXXX PM my wife received a phone call on her cell from someone from MCM. MCM was identified by caller ID. This person sounded of XXXXXXXX XXXX XXXX and projected himself, to my wife, as if I was in trouble from XXXX XXXX. He knows what this is about. My wife put him on speaker, and he repeated it making it sound like I was a criminal. I joined the conversation and told the individual I had asked them on numerous occasions to stop calling me and to validate the so-called debts. He needed to identify me by asking me questions and I told him No!!!! He said he didn't want to break no laws, but he wanted to talk to me. I told him once again No!!!!!!!! Contact only by XXXX to validate the debts. He continued, and I hung the phone up because he wouldn't stop!
Product: Mortgage

On XX/XX/XXXX, I closed a refinance loan with Quicken Loans. During the process Quicken Loans estimated my taxes incorrectly. They based the tax amount to be paid on the taxes which were paid during the previous year ( XX/XX/XXXX ).  This proved to be a huge error as my home was a new-build during the previous year and the tax rate was significantly different.

On XX/XX/XXXX, I received a letter from Quicken Loans informing me that I was required to pay {$4500.00} to their company as a result of " changes in my taxes or insurance ''. Quicken Loans gave me the option of paying a lump sum for the full amount or dividing the amount into 12 payments which would increase my mortgage by {$640.00}. The increase in payment was to begin on XX/XX/XXXX. Since that time, I have spoken to several Representatives at Quicken Loans XXXX XXXX   number. The only other option I have been offered is to spread the amount 24 payments. I have reluctantly agreed to after much discussion, debate, and dispute. I have offered their representatives many different solutions, all which have been denied.

Even after spreading the shortage amount over 24 monthly payments, I am still going to have to pay approximately {$450.00} more a month on my mortgage. I do not feel that my family and I should have to experience the hardship created by the error Quicken Loans committed. Especially since the tax rate in my city and county can be easily figure it out by running a simple XXXX search.

I also feel cheated as the huge difference in payment lured me to refinance, which resulted in my agreement to pay unnecessary refinancing fees and costs. I even wonder if Quicken Loans Representatives used this error as a tactic to entice me into their fees.

I am hoping that you're Bureau can assist me with this matter as I feel that I may experience a very extreme financial hardship due to the above error.
Product: Mortgage

Entered into Bankruptcy in XXXX ( XXXX  XXXX ) and voluntarily dismissed it on XX/XX/XXXX. Wells Fargo ( XXXX XXXX XXXX ) is stating I have failed to make payments and has moved forward with foreclosure proceedings. However, the Bankruptcy Trustee made payments and provided documentation to Wells Fargo attorney, XXXX, XXXX XXXX  XXXX, proving payments had been made. On XX/XX/XXXX, I spoke with a Representative at XXXX ( ID # XXXX ) & requested proof of payment history in order to compare to the payments made by the Trustee. To date, I have not received this information.
Product: Checking or savings account

A purse was purchased from XXXX XXXX on XX/XX/2021. As they stated my package was delivered and signed for. Indeed it was, I also still have it. My package was damaged and only XXXX can file a claim with XXXX. I have tried to contact XXXX  and was told to contact the shipper. I have contacted XXXX and was told that a chargeback was filed with TCF so there is nothing that they can do. I have provided all of these documents to you all including a police report. I will continue to escalate this if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is this account tbom retail as XXXX balance on my credit report on all 3 bears the first 12 digits of the account number is XXXX the last four I do not have I hope this helps you find the account it claims it was sent to bright water capital, LLC there phone number is XXXX there address is XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX you are in direct violation of the fair credit reporting act has violated several of my rights. 15 U.S.C 1681 section 602 A. clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A section2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Money transfer, virtual currency, or money service

I had purchased Bitcoin various times from the merchant. In mid XXXX 2016, I initiated two purchases of ETHer from COiNBASE.com ( XXXX XXXX, CA corp ) via the Internet. They emailed me stating that the ETHer *would be deposited into my account on a certain date* ( emphasis added ). They did not provide the ETHer on the certain date, nor did they ever provide the ETHer. I also ordered some BTC from Coinbase, on the same date. 

I filed a timely complaint with the state of California consumer financial complaint department. Coinbase responded that they were just complying with fincen. However, they did not resolve the issue and simply let it go - likely because I was not a constituent, residing in CA. 

In retaliation, Coinbase closed my account. They stated : " Hello, Thank you for your interest in Coinbase. Our primary goal is to make digital currency safe and secure for our customers. Coinbase is a regulated Money Services Business under FinCEN ( FinCEN.gov ), and as part of achieving this goal, we are legally obligated to implement regulatory compliance mechanisms. 

Upon careful review, we believe your account has engaged in prohibited use in violation of our Terms of Service and we regret to inform you that we can no longer provide you with access to our service. We respectfully request that you follow the on-screen instructions presented when you log into your Coinbase account to send any remaining balance offsite to an external address. 

Should you have any questions or need assistance, please let us know and we 'll be happy to help. 


Respectfully, Coinbase Customer Support '' There was no " careful review '' and neither my account nor I " engaged in prohibited use in violation of [ their ] Terms of Service ''. Their statement that I can " send any remaining balance offsite '' is also inaccurate. They have some of my litecoin which they are refusing to release to me despite saying " send *any* ( emphasis added ) remaining balance offsite ''. Even their attached support article is false. 

I merely exercised my right to complain to a governmental agency about being XXXX out of over ( > ) XXXX ETHer coins and they retaliated against me for having done so. Ironically, I I also updated my address as allowed by the law which governs me and any transactions which I may make. That may have upset them but I am allowed to do so pursuant to : http : //nvsos.govXXXX
Product: Credit reporting or other personal consumer reports

Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. XXXX XXXX has placed an account on my credit. I have disputed this collection several times with the XXXX, XXXX and equifax credit agengies but it has came back as verified on only on equifax. All other credit agencies such as XXXX and XXXX has deleted as they should have. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. the creditor has stated they do not have this information and has put this on hold while attempting to gather it. If they do not have this information then why is this being reported on my credit? this is fraud. will need to be removed. Equifax has refused to delete. as of this morning they claim it has came back as verified. I filed a complaint with CFPB and the collection agency responded verifiying that they do not have proof! I will be attaching their response as well. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Credit card or prepaid card

This bank refuses to process or check my credit to see if I qualify for a credit card based on a previous account with them which I dont recognize having this is not fair Im a victim Of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX S.S. XXXX I AM HAVING A TON OF ISSUES TRYING TO GET MY CREDIT REPORT AND CREDIT SCORES. I CAN NOT GET INTO THE XXXX I CAN NOT GET INTO XXXX I AM TRYING TO BUY A HOUSE AND MY LEASE IS UP. I HAVE ATTACHED MY ID AND SS CARD
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, which has resulted in multiple fraudulent accounts appearing on my credit report. These accounts were opened without my knowledge or consent, and I am requesting immediate action to address them. 

ACCOUNTS - 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 I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am demanding the prompt removal of these fraudulent accounts to restore the accuracy of my credit report.
Product: Credit card or prepaid card

I have a Paypal issued credit card through Synchrony Bank. I have had the card longer than the 6 month trial period, so when I make a payment through their website, the user agreement states it will be applied within 2 business days. Synchrony does not apply my payments -- they state they are " large payments '' ( {$2000.00} ) and therefore subject to holds. This is not in the user agreement. The user agreement states the following for online payments : " Your Payment will be credited to your Card Account on the day when you make it, but may not be displayed on your Card Account for up to 48 hours. Subject to our receipt of funds from your payment, your available credit will be updated within two business days of the Payment Date. '' Every time I make a payment in the {$2000.00} range, they continue to hold that payment for what can be a week or more, not applying it to my balance. This is a business credit card, and I need my funds to run my business. I have to continuously call to get the funds released. They do not seem to have any right or permission to NOT apply these payments within 2 business days. I am requesting the CFPB contact Synchrony Bank to let them know they are breaking their user agreement and to stop putting holds on payments. 

Also, my credit limit is {$3500.00}, so making a {$2000.00} payment should not be suspicious or a large amount that has to be held. They are using my funds to accumulate interest. This is in their interests, not mine, and breaks their user agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of credit account that are close and paid plus over 10 years on my credit report and never go away I needed to be removed from my credit reports Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I called equifax requesting information on an on going dispute and complaint. I spoke to XXXX XXXX ID XXXX. I asked XXXX XXXX ID XXXX about my dispute regarding three hard inquiries. He then stated the companies I was disputing and then went on to inform me they needed additional documents ( social security and drivers license ) to delete those unauthorized hard inquiries from my consumer report. Once I informed him that those additional documents were submitted alongside the complaint and dispute. I then proceeded to give him the complaint and dispute reference number and was then told no complaint or dispute in existent. XXXX XXXX ID XXXX clearly was going back on his dialogue since he mentioned the inquiries I was disputing at the beginning of the conversation. I kept on asking questions which he was not able to answer due to incompetence. I was on the phone with XXXX XXXX ID XXXX for almost two hours to then be rudely hung up on. Furthermore this Equifax customer service rep was very unprofessional. Along side this complaint I have attached a couple of documents regarding this matter. There are many violations under the Fair Credit Reporting Act. I take my financial well being very seriously and need all inaccurate information removed from my consumer report. In accordance to the Fair Credit Reporting Act there's a plethora amount of violations going on. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. I need all of these frivolous inquires removed from my consumer report Immediately.