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

On XX/XX/2019 Capital One credit card company charged my checking account {$8300.00}. I never in my life carried a Capital One credit card and apparently this was an unauthorized charge. 

On XX/XX/2019 I contacted XXXX  XXXX XXXX to let them know that this is an unauthorized transaction. XXXX XXXX XXXX advised me to file a dispute and they will reach out to Capital One. 

According to XXXX XXXX XXXX, they contacted Capital One more than 5 times since I disputed the charge but they are not getting any response or not even acknowledged by Capital One.
Product: Debt collection

I hope this letter finds you well. I am writing to address and rectify an issue that I have recently discovered on my credit report. After reviewing my credit history, I noticed that there are late payments inaccurately reported on my account. I understand the importance of maintaining accurate credit information, and I am seeking your assistance in correcting this discrepancy. 
Below, I have outlined the details of the late payments that I believe have been reported inaccurately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX I have attached supporting documentation, such as payment receipts and bank statements, to validate that the payments in question were made on time. I kindly request that you conduct a thorough investigation into this matter and make the necessary corrections to my credit report promptly. 
I understand that maintaining accurate credit information is crucial, not only for financial transactions but also for my overall financial well-being. Therefore, I appreciate your prompt attention to this matter and request that the corrected information be reflected on my credit report as soon as possible.
Product: Debt collection

I XXXX XXXX became an authorized user for several of my daughter in laws credit cards several years ago. I have recently discovered that she has defaulted on all of these credit cards. I now have these defaulted accounts along with the continues collection process, that also does not belong to me. Accordingly, I demand the deletion of the following accounts from my credit reports collectively : CAPITAL ONE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Filed complaint on XX/XX/XXXX about not being able to access funds for an international transfer. Following up : gave them all ( and more info ) Navy Federal Credit Union requested. Pieced together from various customer sevice reps who appear to have no set rules nor scripts to read for a person asking to transfer money. 

Latest : Sent all the info they asked for. Even went online to find a form that someone used that has navy federal logo. Filled that out. 
Sent an email with info requested via email. No response. 
then went to app messages. Sent the same email via pdf and multiple " security check info ''. Again no response. 

Called : somehow transferred to a rep who had no idea what i was talking about and then XXXX oh that's another department when gave her the cc_resolution navy federal email handle. 

On hold, no checking in. Until the shift/office closed and was told : I can not hear you I am disconnecting the call. 

Consider the latest NFCU news : Will not go into that but a XXXX search gives multiple lawsuit actions. 

Why am I not able to access my funds in a reasonable amount of time? 
Why no form on your app or on your website? 
Why multiple conflicting answers from your telephone reps? 
What is with the wait for 30 minutes tactics/ Why am I not able to transfer money out of Navy federal on the same day? this is purely stalling ... and who wins? NFCU Audio recordings of calls, notes, etc. made. Not to be shared right now
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX line of credit and credit card is appearing on my credit report. Both accounts are paid off and effecting my credit negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute the accuracy of an account with XXXX XXXX under Section 609 FCRA which requires specific records to be produced by XXXX XXXX as stated in Section 609 FCRA requiring XXXX XXXX to produce copies of written contracts or agreements, copies of my identifying documents submitted to obtain an account with XXXX XXXX. As previously stated in my attached letters, this is an identity theft claim since I did not open an account with XXXX XXXX at any point. I am also attaching an article from XXXX XXXX pertaining to a lawsuit filed by The Federal Trade Commission against XXXX for engaging in the very same misconduct that XXXX XXXX is currently engaging in. I reassert my complaint and notice of dispute under Section 609 FCRA for XXXX XXXX to provide copies of written contracts and or agreements under Section 609 FCRA, in addition to providing the identifying documents used to open the account with XXXX XXXX under Section 609 FCRA.
Product: Credit reporting or other personal consumer reports

I filed an Equifax data breach settlement claim XXXX XXXX and I have not heard back from the company regarding the status of the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, ONEMAIN add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

I have received XXXX calls about a debt that I supposedly owe in the amount of just above {$500.00} for an endoscopy center. The first time I was called was in XXXX of XXXX and they refused to tell me who they were and what they called about until I gave them my personal information. After giving them this information and asking what this was about I was rudely hung up on and told " Oh well it 's your credit being ruined. '' I received another call on XXXX/XXXX/XXXX by XXXX asking me to return the call about a letter sent, not stating who was calling or what it was in reference to. I called the number back and spoke with a young lady. Again, I was refused to be told who it was until I gave my address and last XXXX of social. I obliged and was told it was AR Resources calling about a letter sent to collect a debt. I explained that I did not get any letter about a debt and I would pay it up receiving said letter proving I owe. I was told " This is n't a business that sends bill after bill after bill. We need to collect the money before any further action is taken. '' I explained I never got a bill and to send me a bill, I was n't going to give someone money if they ca n't prove to me I owe the money. I was told they already sent it and they would n't send another. They would accept credit and debit cards over the phone at no additional cost. I told them I will not be paying anything until they can prove that I owe anything as I did not get notice of this. She then said " Fine I will send a bill, is that all? '' I said it was you who called me and once I receive a bill I will go about paying it as needed. The people that work here are VERY rude and have no sense of any type of etiquette when speaking to someone over the phone. They attempt to collect debts yet refuse to prove the people actually owe the debts. How is this proper business tactics?
Product: Debt collection

I have reported to XXXX that I am a victim of identity theft with police report but this company kept sending me collection bill.
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. 

Account Name : XXXX XXXX has violated my rights. 
Account Number : XXXX Account Name : XXXX XXXX has violated my rights. 
Account Number : XXXX Account Name : XXXX XXXX has violated my rights. 
Account NumberXXXX 15 U.S.C 1681 section 602 A - The section that affirms my right to privacy and confidentiality. 

15 U.S.C. 1681 section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing the following information items. 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 accurate.
Product: Checking or savings account

As of XX/XX/2021 my father passed of XXXX XXXX while visiting XXXX. I am the executor for his annuity account and all of his financial affairs. I contacted Wells Fargo Bank on or about XX/XX/2021 to have the funds from his annuity account disbursed to his surviving children. I have filled out forms, faxed paperwork, met with personal bankers, etc. I was told that the funds would be disbursed to me by XX/XX/2021. After dozens of phone calls, multiple appointments Wells Fargo informed me that on XX/XX/2021 they had sent the paperwork to the liquidation department aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that the funds would be processed and disbursed with 10-15 days. This was the fourth or fifth time that Wells Fargo promised a disbursement to no avail. Within two weeks I followed up with Wells Fargo who said I was missing paperwork. I have scanned and sent them a report of death from a foreign country ( issued by the U.S. State Department ), paper from the court assigning me as executor, and a permanent visa. They are now asking for airline tickets, passport, an obituary, and a questionnaire that needs to be completed XXXX XXXX XXXX. They didnt send the questionnaire, they are unwilling to accept the documents that I have sent them multiple times and almost 120 days after beginning this process I have not yet received this disbursement for myself and my siblings. The documents that were sent to them both via fax and email- have been accepted by OPM ( Office of Personnel Management for federal employees ) the Social Security data system, the military system since my father was a veteran. They are still claiming these are not legal documents as well.
Product: Debt collection

sending me a paper stating that owed for an account called XXXX from 2015 and never got an account open from there and keep harassing me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX Account # 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known, or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding multiple unsuccessful attempts to remove inaccurate items from my credit report. I have attached relevant documentation, including previous dispute letters and supporting evidence, for your reference.

I first contacted Credit Bureaus to dispute the presence of inaccurate items on my credit report. These items includefraud items that are needs to be removed immediately. I provided evidence supporting my claim that these items are indeed inaccurate and should be removed from my credit report. 

Despite my repeated attempts, the inaccurate items continue to be listed on my credit report, adversely affecting my creditworthiness. I have made several attempts and unsuccessful attempts to resolve this matter, and I believe that this situation is not only affecting my financial well-being but also causing me undue stress and frustration.

I request that you take immediate action to investigate these inaccurate items and remove them from my credit report. I have enclosed copies of the following documents to assist in your investigation : Any subsequent correspondence between myself and to Credit Bureaus.

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. I request that you fulfill this obligation promptly and fairly.

Please provide me with written confirmation of your investigation 's outcome and actions taken to remove the inaccurate items from my credit report within 30 days from the receipt of this letter. Additionally, I request a free copy of my credit report with the removed inaccurate items once the investigation is completed. Please help me removed these fraud items in my credit file : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the lawyers to return my refund amount of an estimate of {$300.00} and they have failed to do it. I also stated that they need to remove the credit report in my file and they have also failed to remove it. They have known that this is an identity fraud in my credit file since mid XXXX an estimate of XX/XX/2019 from Discover Credit Card that went to collection and now the XXXX XXXX XXXX has the authority of all the financials. Attorney XXXX and XXXX are the ones I have spoke on the phone and both attorneys have ignored my requests.
Product: Mortgage

On XX/XX/2021 I received a letter from XXXX management  consulting Company stating that my loan had been transferred to and that the payments were expected by XX/XX/2021. On XX/XX/XXXX th, I received an updated letter stating that the payments should not be sent prior to XX/XX/2021. In the midst of this, I attempted to send payment to no avail. I eventually sent the payment to the previous servicer ( XXXX  ). 
I am in fear that this is a scam for I never could communicate to XXXX. I also received a letter from XXXX XXXX but also could not. I would like this company to be investigated for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters to the credit Bureau concerning the two listed items on my credit report 1 ) XXXX XXXX XXXX and 2 ) XXXX XXXX XXXX. I have been requesting the removal of these unknown items because they are not y items and they do not belong on my credit report. I am asking for your assistance after reaching out to the credit bureaus since XXXX of XXXX  and never receiving a response or a validation from them. Please assist me with removing the items.
Product: Credit reporting or other personal consumer reports

I have more proof of the situation, that it's inaccurate and incorrect information on my credit report for this account. Before it show C/O for every month and now with the new update it show for the month of XXXX of 2024 it say no data how is this possible why haven't the other month or year did the same thing. XXXX XXXX account XXXX. I need this account remove XXXX deleted from all three bureaus. 15 u.s code 1601 congressional finding and declaration of purpose have violated my right under fcra act. Two different update in the months not accurate. Also it show 30, 90, 120, 150 and it skip 60 how it that possible where it skip 60 day of past due, that is incorrect and inaccurate information. Please remove
Product: Credit reporting or other personal consumer reports

XXXX XXXX is still showing outstanding debt still owed on Equifax report only. I have paid this account to {$0.00}. The account shows as a duplicate account with balance still states it is unpaid on my Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been an on going issue with Experian. I sent letters to XXXX and Experian asking for the accounts listed to be investigated per the FCRA. I sent complaint and Experian responded with the attached letter. 

According to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge or who may have knowledge concerning any such items of information. 

They stated my account my account were verified but how is that possible if they did not perform perform a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. Lastly, according to the FCRA 15 USC 1681 everything has to be 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Collections on my Credit from National Credit Services for XXXX XXXX XXXX XXXX from 2018, since I didnt give a 60 day notice Because I Thought it was a 30 day notice but the amount they say I owe {$1700.00} is outrageous also the only proof they have has changes to it without my initials next to it Im sure it was changed without my knowledge I also have proof from the cooperate office that the amount that they gave is incorrect I have explained and they will not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX  XXXX Paid, Closed. 

XXXX XXXX {$7700.00} XXXXXXXX XXXX XXXX/XXXX XXXX {$640.00} XXXX/XXXX XXXX {$790.00}. 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to XXXX and Experian regarding inaccurate data points on both credit reports from the same company, XXXXXXXX XXXX. With XXXX, XXXXXXXX XXXX is reported as a 'charge-off ', which hasn't been proven to be my account. With Experian, XXXX XXXX is reporting as 'Closed ' for the same account in question. 
I feel like I'm being taken advantage of and being ignored of my disputes. 
Section 611 ( a ) in Consumer Protection Act states that it is plainly stated as a failure to investigate said items within 30 days gives a reason to immediately remove them from my credit report ( s ). It has been 60 days to the day.

I demand that these accounts be deleted immediately or I will file for litigation as well as a thorough complaint to my Attorney General, Federal Trade Commission, and the XXXX XXXX XXXX due to the stress caused to me for this extended inconvenience.
Product: Credit card

WFBNA CARD Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$10.00}, XXXX written off. {$10.00}, XXXX past due as of XX/XX/XXXX XXXX
Product: Mortgage

I filed a formal complaint against Wells Fargo on XXXX XXXX. Wells Fargo sent me a letter saying they were investigating my claim and would get me an answer by XXXX XXXX. It is now XXXX XXXX and I have never received anything else from Wells Fargo. I have since been forced to file Chapter XXXX Bankruptcy to prevent them from foreclosing on my home. My mortage is 36 % of my gross monthly income, my loan originated before XXXX of 2009, my sister had XXXX and lots of medical bills so I have a real reason for hardship. I have been trying to get assistance from Wells Fargo for almost 18+ months now. I was hoping that they would do the right thing since they knew the CFPB was looking into this, but they are still giving me the same old run around. Wells Fargo is lying and trying to say that I have a lot of equity in the house and that is the reason they are denying me. Is this a valid reason to not give hardship assistance? I had an independent appraisal done and it clearly shows that there is not much equity. Please help me get what I deserve. My only source of income is housing international students and if I have to give up my home, then I will not be able to survive. Wells Fargo told me to get behind on my payments or they could not help me, they have changed relationship managers on me multiple times and now they are trying to deny me saying I can just sell the house and get my money out, but I do n't feel like I should have to move and I would not get enough money out of the sale of the house to survive. I implore you to please make my file a priority. I am not looking for charity. I am just looking for what I qualify for.
Product: Mortgage

I am very upset of the way Specialist Loan Servicing has handle my loan. First my income is always calculated wrong and the value of my property as well, I have paid for my own Appraisal to proof SLS that my home is severely under water. I am been forced to reapply every time, and is always the same decision. However I have my nephew as a contributor, and I have provided SLS many documents for proof of occupancy and still they keep requesting more documents every time. At this point I am more than sure that SLS does not have any intentions of helping me, instead SLS is prolonging may case making me fall more behind. I am tired of the fraudulent and deceptive practices SLS has used in order to denied me a modification. I am going trough so much stress and is affecting my health. My half-brother and nephew are the only source of income I have. I have provided their state id and tax returns and they both have my property address. Therefore I am hoping that SLS can finally finish the review and provide me with an affordable mortgage payment.