23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Wells Fargo sent a credit product, to the wrong address ; the bank denies wrong-doing. Please assume jurisdiction.
Product: Checking or savings account

Im extremely upset with your service, customer services overall how you handle customers from your 360 bank service. When all i want is my money back, you close my account during sign up after i deposit money told me to wait until the hold becasuse how much the check deposit was to pull out funds but the money was a in my account 4days before i have proof from the bank that issue it. Now funds are clear and you wont send to me via overnight check, XXXX ( which i sign up for or wire ) im so fed up with this process im will pay the wire fee to get from your company. Was lied by your security team to drive 4hrs from my city to cafe for withdraws funds and was told capital issue money at cafe. So now im in situation to sue you guys to get my money back and the damages you have cause me. missing my rent, and car note because you wont sent me my own money for close my account!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried since XX/XX/XXXX to resolve inaccurate payment history with Capital one credit card by disputing with credit bureaus, calling Capital One and writing letters to request additional information on there findings. They have my payment history marked as 30/60/90 days late but I have provided them with documentation that payment was made by the due date using my account statements and bank statements. Not only does my payment history reflect late payments but I have been charged an additional {$35.00} each month which shows on my statements because I was unable to pay the total minimum payment due but I feel that this situation has caused me hardship of low scoring to my credit report, adverse actions of declinations from other creditors and financial hardship of trying to resolve this matter. I was informed by Capital One representatives that my situation qualified for special hardship and I was approved to pay very small affordable payments until I was able to get out of debt and my health got better. Each time that I have disputed this issue, I receive correspondence from them stating after review, they feel that there records are accurate without providing me any supporting documentation as to how they derived at this conclusion. I have two credit cards with Capital one and they have me reported as late 9 times, in which, I only missed two payments. The second account, I have been marked 4 times late, in which, documentation shows I only missed one payment. I feel hurt that this corporation accepted my monthly payment, charged me additional {$35.00} for late fees and reported late payments for those months because I was going through medical issues and couldn't afford to pay the large amount of the minimum payment due. No one should ever have to be treated like this. If I have to have the adverse late payments on my credit report, I would like to ask for a refund of all the funds that I paid from XXXX returned back to me along with correspondence from the company stating they will remove the inaccuracies on both accounts within 30 days. I'm in the process of buying a home and these late payments are detrimental to my APR rate and my borrowing power and I just need assistance with getting this resolved as soon as possible. I will be providing supporting documentation along with my complaint so this issue can be resolved. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last few months I have contacted XXXX in regards to an inquiry on my credit report that was never approved. I have been told that I would need to contact the company that the inquiry was sent from. When I contacted the company I was made aware that they did not have any record of my information and could not provide proof that an inquiry was acquired through them. They me that XXXX would have to remove the inquiry. Today after learning about a glitch that XXXX had with their system around the time that the inquiry was placed on the report I called and spoke with XXXX XXXX in the Special Handing Department in Pennsylvania. I made him aware of the run around that I have faced and that the inquiry was placed on my report during the time that the glitch with the system occurred. I made him aware that the company in question did not have any record of me inquiring service with them and that I personally never did. He informed me that there was nothing that could be done even though the information was in fact false. The inquiry listed on my report states " XXXX ''. <P/>There has also been recent inquiries that were never authorized by me in XXXX XXXX. I placed fraud protection on my credit report a requested that these inquiries be remove as well. XXXX response was that " moving forward the fraud protection will help protect me, but the present inquiries would remain ''. That is even if they were not approved by me.
Product: Debt collection

This collection is fraudulent. This charge doesnt belong to me. The collection company is called frontline asset!. I filed a police report and submitted it as well.!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a dispute of inaccurate information reported on my credit file on Experian website, on XX/XX/2020. I noted in the dispute that the companies listed were paid in full, in less than 8 hrs Experian notify me that the companies verified the data reported on the credit report to be true. This is no way possible, because I have proof of payment and a letter from each creditor confirming the payment and the account as paid in full. 
Where is the proof that the creditors sent to Experian notifying them of an outstanding balance. 

This is not fair, and a proper investigation needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received notification that a collection item had been reported on my credit report through Equifax. I followed up with Equifax and was informed that a collection action was reported on to my credit file with Equifax. I filed a dispute and obtained information regarding the collection items such as the creditor ( XXXX XXXX ), the account number, and contact number. After filing the dispute, I proceeded to contact XXXX XXXX. After speaking with them, I was informed that they reported a collection action for a person who shares the same name as i do ( XXXX XXXX XXXX ) and the same numerical address ( XXXX ). We both live in the same city as well. We do not share the same birthday, phone numbers, emails , street name address, or SSN. After receiving this information from XXXX, I contact XXXX  again to inform them of the mix up. They said it would take 30 day to resolve any dispute. I informed them that this was a mistake that they are responsible for and it has caused my credit score to drop from an XXXX to a XXXX. They said they could not do anything about it and that all they could do was file the dispute, even after i informed them that all XXXX was trying to do was to report the collection account to the other person and XXXX made the mistake of adding it to my credit file. I asked if they could expedite the dispute as it was their mistake and they said no. This is the second time a mix up like this has happen and my credit score suffers. This is unacceptable on their part.
Product: Prepaid card

XXXX XXXX I began contacting American express serve about the money. There after I a been calling them over 5times per day. I even sent a email XXXX XXXX asking them the release my money
Product: Payday loan, title loan, or personal loan

I have a line o f credit with Wells Fargo.  On Friday,  XXXX   XXXX , I called to make a payment towards the line of credit in the form of an electronic debit from my non-Wells  Fargo  checking account in the amount of {$300.00}. In reviewing my checking account balance today  (   XXXX   XXXX ,  2017   )   Wells Fargo  applied  XXXX  charges of {$300.00} each for a total of {$600.00}, instead of  XXXX  payment of {$300.00} as I authorized.     I c  alled Wells Fargo this morning asking them to credit the {$300.00} iinot my checking account right away but I was told that it will take them between 10 and 15 business days to credit the {$300.00} back into my account.
It is unfair that I have to make my payments on-time if I want to avoid a late payment and/or other fees and a negative   impact on my credit history/scor  e but Wells Fargo gets to charge my checking account without my authorization and not give my money back until it is convenient for them.
It is also abusive that I have to deal with the consequences of not having the money that I count on to pay other debt at this time of the month, such as my mortgage, because Wells Fargo refuses to credit the {$300.00} into my account right away.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$69.00}, XXXX XXXX XXXX XXXX  XXXX : {$5000.00} XXXX ( Original Creditor : XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I never gave consent for any debt associated with my name or social security number.
Product: Debt collection

Constant robo calls during the day, starting at XXXX on the dot. Never a live human being. They call you to put you on hold for long periods of time during work hours. Last time I waited 45 minutes. They leave messages on my voicemail about debts when they have no idea what number it is or who it is ( since I have never been able to talk to someone ). I have never successfully connected with this company and getting tired of dealing with it, and have never been contacted by anything other then a robot.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I got a copy of my Equifax credit report from XXXX. On that copy of my report, there is a charge off from XXXX XXXX XXXX. The " Date of First Delinquency '' is listed as XXXX XXXX, XXXX. The Delinquency First Reported Date is listed as XXXX XXXX, XXXX. The months reviewed are listed as XXXX. 

On XXXX XXXX, XXXX I got of my Equifax credit report from XXXX, again. On that copy of my report, there is a charge off from XXXX XXXX XXXX. The " Date of First Delinquency '' is listed as XXXX XXXX, XXXX. The Delinquency First Reported Date is listed as XXXX XXXX, XXXX. The months reviewed are listed as XXXX. 

How is it possible for these dates to change? They are trying to illegally re-age my negative account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$21000.00} DEPTEDXXXX XXXX {$7000.00} XXXX XXXX   XXXX {$760.00} XXXX XXXXXXXX XXXX {$160.00} XXXX XXXX {$370.00} XXXX XXXX XXXX {$3100.00} DEPTEDXXXX   XXXX {$5500.00} DEPTEDXXXX   XXXX {$10000.00} DEPTEDXXXX   XXXX {$6200.00} DEPTEDXXXX   XXXX {$10000.00}
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX, XXXX : Request for Detailed Information on Fraud Investigation - Claim Reference XXXX I am writing regarding the recent identity theft and fraudulent activity related to my checking account with USAA Federal Savings Bank XXXX for which my claim was submitted on XX/XX/year>, and the case referenced as XXXX. 

While I appreciate the resolution and the reimbursement of the funds involved in this fraudulent incident, I remain concerned about the details of the unauthorized access to my account. Specifically, I would like to understand how my profile was accessed, how a debit card was issued without my authorization, and the full scope of the actions taken by the bank during the investigation. 

As a loyal customer, I expect transparency regarding the security of my account. Therefore, I respectfully request the following : 1. A complete report of the banks investigation, detailing the specific security records reviewed.

2. An explanation of how the unauthorized access to my profile occurred and how a debit card was issued and used to withdraw funds without my authorization.

3. Information on any additional security measures that have been implemented to prevent a recurrence of such incidents.

4. Copies of any documentation or data related to this investigation that would help me understand the nature of the breach. 

I would appreciate a prompt response to this request, as this situation has caused significant concern regarding the safety of my personal and financial information. Please feel free to contact me at [ Your Phone Number ] or [ Your Email ] if any additional information is needed from my side. 

Thank you for your attention to this matter. I look forward to receiving the requested documentation and any further details that may help clarify this issue. 

Sincerely, XXXX XXXX XXXX
Product: Prepaid card

I got a netspend card I activated it on the XXXX of XXXX and on the XXXX my XXXX was deposited and on the XXXX I got a text saying my card was stolen as it was not I had my card and soon as I got off the phone with them my card at a transfer amount of XXXX and netspend saying they will not return my money. Please help
Product: Credit reporting or other personal consumer reports

EXPERIAN XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; XXXX ) comply with the investigation requirements ; XXXX ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; XXXX ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : Accounts that need to be removed XXXX. XXXX XXXX XXXX XXXX  {$1600.00} XXXX. XXXX XXXX XXXX XXXX {$2200.00} - XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I sent out letter to XXXX, XXXX as as the collection agency IC System regarding the company collecting for XXXX for the amount of XXXX. I stated in the letter that I would like valibation of the account. I requested that they please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service. 

On XX/XX/XXXX I received a response back from XXXX and XXXX taking that this collection is to remain on my credit but I still have not received anything from the company validating any information. On XX/XX/XXXX I sent a second letter to I C System advising that they are still reporting on my credit but still hasn't sent me any information regarding validating that I owe this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXXXX
Product: Payday loan

I made loan of {$1000.00} from mobiloansfrom XX/XX/XXXX TO XXXX XXXX, XXXXI PAID {$1300.00}. + SO CALLED FIX FINANCE CHARGE ANDCASH ADVACE FEE TOTAL OF {$780.00}. 
THIS MEAN THAT I BORROWED $ XXXXAND PAYING {$1100.00} FOR THIS LOAN? 
AND THEY STILL TAKING MONEY FROM MY BANK.
Product: Credit reporting 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.

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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to honor my rights under the Fair Credit Reporting Act. Equifax has failed to provide a written update within 45 days as required. There are XXXX accounts appearing on my credit report that should not be there. Specifically, there are XXXX XXXX XXXX XXXX and XXXX XXXX account. These accounts are not mine. The details reported around balance and payment history do not belong to me. Despite reaching out the credit reporting reporting agency more than 16 times, they have not taken the required action or complied with regulatory requirements.
Product: Prepaid card

I called the US BANK CUSTOMER SERVICE ON BACK OF CARD TO ACTIVATE THE CARD. LADY SAID IT WAS ALREADY ACTIVATED AND HUNG UP ON ME WILL NOT HELP FIX THE PROBLEM. ITS FOR UNEMPLOYMENT BENIFITS. I WAS FRAUDED FOR THE PAST 2 YEARS.
Product: Credit reporting or other personal consumer reports

My realtor got me in contact with XXXX XXXX from XXXX XXXX XXXX as I was looking into what I could get financed for or what the XXXX purchase price of a home would be under my name. Not once on the initial phone call I had with XXXX did she say she would be doing a hard pull on my credit to look into my details. I had assumed it would be a soft pull, but then I got a notification on my phone that it was a hard pull while I was talking to her. 
At the time I felt like I had to work with her since my credit was already pulled and affected by this. So I worked with XXXX to get her the documents she had requested as well. 
Several weeks go by and she had not gotten back to me. I emailed her on XX/XX/XXXX asking clarifying questions and she got back to me on XX/XX/XXXX stating she was ill and had helped family out but would get back to me the next business day, however she never did. 
Almost 3 weeks later I email her back to close out my application and remove the hard pull on my credit as I was not going to be conducting further business with them. 
Their Compliance XXXX XXXX XXXX stated that they would not remove the hard pull as they feel it was the correct thing to do. 
I do not agree with this, as I was just looking for preliminary information to start with before I would move forward with them as my mortgage company. I want this hard pull removed from my credit, XXXX ghosted me when she could've easily handed my application off to another person within her branch if she was so ill, it's not fair to have it on my credit report for 2 years before falling off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a late payment reporting from XXXX on XXXXXXXX XXXX,2022 i called XXXX XXXX about this issue which we was wavies on On XXXXXXXX XXXX,2022 however the late payment continues to appear on my credit report i tries to resolve this matter with XXXX directly but the issue still appears.