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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX OF XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have a student loan with Wells Fargo that unfortunately became one of many bills that I was unable to keep up with due to a layoff experienced in late XXXX. I was laid off and unable to gain employment until late XXXX ( 11 months 300+ days ) and nearly lost my home, vehicle, and dignity, due to my inability of upholding my end of the bargain. Along with these issues and losing nearly $ XXXX per year in income, I also was unable to continue making student loan payments. As a result, my student loan charged off just weeks before obtaining a new job and receiving my first paycheck to avoid charge off. After re-establishing myself financially by saving my home through foreclosure prevention programs offered by the state, I 've been able to consistently make my payments as agreed. Wells Fargo has processed and performed a transaction on my account without any notice, knowledge, authorization or communication in the amount of {$2100.00}. This again was unauthorized. When I contacted Wells Fargo on XXXX at XXXX they advised me that they were unaware of unsure of why this occurred. I spoke to a supervisor by the name of XXXX said he would file a claim that could take up to XXXX business days and could not be reversed immediately because the Student Loan department was closed. I advised that I had made a recent transfer and that money that was deposited was to pay the mortgage of {$1700.00}. Wells Fargo has seen these recent payments from my account, because they are categorized utilizing THEIR VERY OWN Bill Pay Service, and they still would rather my family suffer the consequences of living on the street because they were unwilling and or unable to accept a student late payment to prevent a charge off. Not only was unemployment not a good enough reason to prevent charge-off and credit sufferings, they want me to lose my house as well. I thought I could trust Wells Fargo to allow me to regain my financial well being, not contribute to its demise.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX XXXX - However, theyve stated everything was complete and accurate. But how is that possible if the date of last payment and the date opened is incorrect? According to 15 USC 1681i ( 5 ) Credit reporting agencies are supposed to delete accounts if they're not reporting accurately. Also. 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. Lastly, this account isn't in compliance with metro 2 credit reporting. I've attached proof from my credit report to prove my claim. If your company doesnt honor my request to remove the above-mentioned account, I will enforce my rights as a Federal Protected Consumer and litigate under the laws of the FCRA under section 616 and 617. Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Received two pace loans from ygrene. When sold house took a week to get payoff which showed up 15 mins before closing and they would not answer the phone. They overcharged me over XXXX as to what everyone calculated. They are charging interest until XX/XX/XXXX even though being paid off today XX/XX/XXXX. And added fees not expected. When I received loan was told it was like any other simple interest loan that can be paid off at any time with no penalty. Now they are saying it amortized Annual and I still have to pay the payment due on taxes XX/XX/XXXX ... which is not what the put on the payoff. They put XX/XX/XXXX ... They also have in the last year been very deceptive on other items that did not match what was told to me. Also told the interest added to the amount burrowed upfront was to pre pay the interest until first payment due XX/XX/XXXX. But in payoff never gave me credit for it. Also told first payment due XX/XX/XXXX but billed my mortgage co in XX/XX/XXXX and was paid so should be less interest since XXXX was paid 5 months early. And they are doing this to a XXXX XXXX XXXX XXXX  XXXX veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditors has violated my rights under 15 us code 1681section 602 A state i have the right to privacy.

15 usc 1681section 604 A section 2 also state consumer reporting agency can not furnish an account without my written consent. 


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

Synchrony Bank of TJX is closing my account due to a auto payment that was returned for no funds. 

I have a new bank account, updated Synchrony Bank account two months ago with new account information in XX/XX/XXXX across all 3 accounts. My account was obviously hacked since the auto withdrawal was taken out a day before the payment was due XXXX. The Auto Payment is due to come out XXXX at midnight. Erroneous payments were shown to have been made on XXXX which did not happen as well. I called on XX/XX/XXXX to pay {$200.00}. to settle this issue. 

This is the first time this has happened to me with Synchrony Bank. I have been a customer with this bank for over 10 years. until this terrible year, my credit was OUTSTANDING. I've always paid the full amount on all my credit cards until COVID. 

This is not my fault. My account has been hacked again, I have someone in my life who is stalking me. I am pursuing this issue with the XXXX  XXXX XXXX XXXX. I believe Synchrony Bank is involved with this individual on this issue since their quite motivated to close my account after one issue ; someone, and I know who this is, paid them off. 

This criminal who has been pursuing me for 15 years has gone to no end to ruin me in every direction of my life with endless income and all the time in the world, spending day and night making my life miserable. 

Legal Counsel has been contacted and will be acquired once I am prepared to take this on. 

Synchrony Bank needs to be on some kind of watch list if there is one. This is a criminal issue and this bank is involved with who is pursuing me.
Product: Mortgage

On Friday XX/XX/2017 we received a check from Bank of America for the sum of {$640.00} for overpayment on a home equity line of credit which was paid off when the sale of our property completed on XX/XX/2017. This account was on autopay from our checking account so the bank took the extra money rather than us sending it. Although the check we received was dated XX/XX/2017 the envelope we received it in was post marked XX/XX/2017. This means that not only did the bank overcharge us {$640.00} they also held our money for no good reason for at least two weeks without payment of any interest. This is an unacceptable abuse of a customer.
Product: Credit card or prepaid card

My name is XXXX XXXX. I am submitting this on my own behalf, there is no third party involved. 
I have previously contacted Goldman Sachs Bank in relation to validation an alleged debt which they have not done pursuant to 15 USC 1692g laws. I have subitted a previous complaint with the CFPB regarding this issue ( complaint ID : XXXX ) In addition to refusing to lawfully validate the alleged debt, they are in violation of 15 USC 1666 ( b ) ( 2 ) " a billing error consists of any of the following : ... A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. '' I requested documentary evidence proving the alleged debt was mine and Goldman Sachs Bank refused. 

I sent them a notice that I, a federally protected consumer, believed that the statement contained a billing error and the amount of such billing error, and set forth the reasons for my belief that the statement contained a billing error. 

Pursuant to 15 USC 1666a, Goldman Sachs Bank may not directly or indirectly threaten to report to any person adversely on the consumer 's credit rating or credit standing because of the consumer 's failure to pay the amount indicated and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of sending a written acknowledgment ( which Goldman Sachs did not do ), and make appropriate changes to the account in which the billing errors occurred. 

Goldman Sachs is negatively reporting on my consumer credit report, in addition to not following the requirements of due-process in regards to 15 USC 1666 AND additionally has not verified the alleged debt in the first place pursuant to 15 USC 1692g as previously requested. 

a copy of this CFPB complaint has also been sent to the Florida Attorney General 's office and the XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inquiry listed on my credit report. Upon reviewing my report, I noticed an inquiry that I do not recall authorizing. I have attached copies of the relevant documents for your reference. 

Considering I have no recollection of authorizing this inquiry, I am concerned that it could potentially be fraudulent. As such, I request that you promptly investigate this matter and remove the inquiry from my credit report immediately. 

Please provide me with an update on the status of this dispute once your investigation is complete. You can reach me at the contact information provided above. 

Thank you for your attention to this matter.
Product: Prepaid card

I was gifted three American Express Gift cards over two years, totalling over {$1000.00}. The cards are no longer accepted at any online retailers ; all cards are rejected or declined.

I have a total of {$400.00} balance remaining from the three cards, and no merchants will accept the cards. The error message received when attempting to check out online is that the " card issuer has declined '' or rejected the card.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute Demand for Deletion of Inaccurate Charge-Off Reporting Dear Navy Federal Credit Union , I am writing to formally dispute the accuracy of a charge-off that is being reported on my credit report in connection with my account [ Account Number : XXXX ] held with Navy Federal Credit Union. 
Upon reviewing my credit report, I noticed that the charge-off is being reported inaccurately. The details of the reporting do not align with my payment history or the terms of my agreement with Navy Federal Credit Union. This inaccurate reporting is having a negative impact on my credit score and my financial well-being. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Therefore, I demand the immediate deletion of this inaccurate charge-off from my credit report. 
I expect Navy Federal Credit Union to take swift action to delete this erroneous entry from my credit file and to provide written confirmation that this action has been completed. 
I appreciate your prompt attention to this matter and look forward to your timely response. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XX/XX/XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of XXXX XXXX and XXXX XXXX. I want all items that's not correct deleted from my report. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XXXX  head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.
Product: Debt collection

Harbor Front Aquisitions stated that they were attorneys trying to collect on a payday loan. They also disclosed the debt without verifying they had the correct party. I had lost my job and did not have any money to put anything on file. Told them on second call that I could put something on file but that it would have to be for a month out as I just started a job. They wanted me to call back and put {$100.00} on file. The XXXX representative was very rude and harassing. I felt very worried about how I was being treated. It was the XXXX time I had talked to anyone from there. I did not refuse to pay but they are trying to submit me for legal action. I was told that they were working for attorneys but I have never heard from the office that owns the debt.
Product: Consumer Loan

The scammers are using at least XXXX different names, XXXX lead to the same area of XXXX California. Someone calls my cell and leaves a message ( or they call my employer saying someone has legal papers to deliver to me ) that there is " complaint '' against me ( that was the first call in XXXX ) from a female. The second call on Thursday XXXX XXXX came from a XXXX XXXX with XXXX saying there were some " Undelivered '' papers for me and to call XXXX with a reference number. Answering that number was someone who sounded exactly like XXXX XXXX, but said his name was XXXX XXXX XXXX *I 've been in the XXXX for 45 years, I can tell voices. He gave me their address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX. The first call in XXXX went to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX I think their number is XXXX. The tactics are similar and the businesses are geographically close so there indeed may be a tie in ... They are calling about a debt that is past Statue Of LImitations in South Carolina.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 different inquiries i have never applied for nor have any knowledge about. 

These accounts are listed below. 

1. XXXX date : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX date : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX date : XX/XX/XXXX Why is there a double inquiry for the same company? 

I dont have any accounts opened by these creditors. 

I recently received a copy of my XXXX credit report I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it.
Product: Debt collection

I had XXXX back in XX/XX/XXXX. I ended up purchasing a new phone/equipment and financed it. My end date was XX/XX/XXXX. I paid and since I ended my contract, I decided to go with another carrier XXXX. I called XXXX to get my balance and they provided it and I advised that I was leaving and to make sure there was no balance once paid. I had the conversation recorded as well. I paid the balance off in XX/XX/XXXX in the amount of {$260.00}. I sent a certified letter twice to XXXX and provided them all of the paperwork and the original contract along with bank statements. They in return sent me a bill from XXXX dated XX/XX/XXXX for {$130.00} with a different phone number that I never had nor know anything about. I obtained service with XXXX the same month ( XX/XX/XXXX ) I cancelled with XXXX. I provided proof and it was removed from my credit. 

Fast forward, earlier this month, I received a collections letter from XXXX stating they are representing XXXX to collect a debt that I do not owe. I have contacted XXXX numerous of times in addition have contacted each collections company that they sell my account to. This company has requested that I provide a letter in writing in which I did but apparently they have not received it. They state that I must notify them within 30 days. I get a credit alert today which is NOT 30 days that this debt has been placed on my credit report. This XXXX debt does not belong to me nor has XXXX been able to provide me with a contract or anything to show that this was my phone number. I have the original contract and never changed my number. The other collections had to remove it from my credit because I have provided all documents as proof. In addition, XXXX must remove this too because this debt does NOT belong to me nor do I know who it belongs too. I am attaching proof as well.
Product: Checking or savings account

Hi, XXXX, the stock broker conned me by limiting trades on hot stocks, they now have placed a hold on my account. They are not allowing me to do anything because they set up my account incorrectly. 

I've asked Capital One over and over to reverse the ACH transaction of {$4000.00} on XX/XX/2021. I have the right to dispute a transaction when the company does not perform the promised services. 

I've contacted there customer service, I've been transferred to about 5 departments, and give 2-3 fax numbers. However they did not tell me what to fax. So I took a form that my other bank used when I disputed an ACH transaction, that after Docusigned, they put it back in my account. 

I've attached the form that I've faxed to all fax numbers given.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 at around XXXX CT, I was held at gunpoint by two men who took my wallet and phone. They forced me to unlock my phone and log into my Chase bank app. I was then held by one of the men. while the other went to withdraw money from an ATM at a near by grocery store. Once they were able to get the money, the let me go but kept my phone and wallet. When I got home, I called the police who came and took my statement. I gave them screenshots of my account to show that they had taken money out of my personal and business accounts but had also make a XXXX transfer of {$2000.00}. The next morning, I called Chase and they were able to reverse the ATM withdrawls with in a few days. 

On XX/XX/XXXX, I received a message from Chase that they were denying my claim for the {$2000.00} XXXX transfer. I contacted them again to dispute and retell my story of being robbed and they re-opened the claim. On XX/XX/XXXX I received another message again denying my claim. 

I have requested and am waiting to receive a copy of my police report to submit as evidence but in the meantime wanted to file this complaint.
Product: Credit card

American Express customer support person on the second week of XXXX tried to get me to give her my Bank account number. I thought it was fraud actually from the aggressive tactics she used. I reported her to Amex then all of a sudden a card that did have {$8000.00} on it was immediately cut off after this same person told me in fact encouraged me to use the XXXX XXXX  instead so I traveled to XXXX. 

I tried to use the card that they told me to use and I got stuck in a city without use of a credit card to secure a room. THIS IS AN UNFAIR AND XXXX  BUSINESS PRACTICE. I WOULD HAVE NEVER USED THE CARD. THERE IS A SNOW STORM COMING AND I BASICALLY HAD NOWHERE TO STAY. 

I AM XXXX XXXX  AND I BELIEVE THIS IS ALSO A MATTER OF XXXX DISCRIMINATION.
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have been a victim of identity theft, which has resulted in numerous fraudulent entries on my credit report. These unauthorized accounts and inquiries were added without my knowledge or consent, and I request immediate action to address this issue. 

I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and am now demanding the prompt removal of these fraudulent items to restore the accuracy and integrity of my credit report. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES ( XXXX XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXX XXXX XXXXXX/XX/year> ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( XXXX XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXX  XX/XX/year> ) ( XXXX XXXX XXXXXX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXXXX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXXXX/XX/year> ) Specifically, I am requesting the removal of XXXX unauthorized accounts and XXXX unauthorized inquiries from my file. It is crucial that my credit report reflects only accurate and legitimate information. 

I trust you will handle this matter with the urgency it requires. Please confirm once the necessary corrections have been made.
Product: Checking or savings account

I opened a savings account with Marcus in XX/XX/ and transferred XXXX USD to this account. My account was locked twice which I then got unlocked somehow. Marcus abruptly closed my account in XX/XX/XXXX  without giving any reason and has not returned my funds yet. I have spoken to their customer care on multiple occasions but they just keep me on hold for hours and in the end hang up the call saying they will reopen the account. It has been 2 months already and my issue has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Advantage company had performed a background check on behalf on my employer " XXXX ''. They reported that I had worked for an employer by the name " XXXX XXXX XXXX ''. From the period of XX/XX/XXXX till XX/XX/XXXX. I am writing to inform that I have never worked for such employer and I am sure that this is a ID theft case.