23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I had a car loan with Wells Fargo Dealer Services, that ended up in a total loss after a car accident on XX/XX/XXXX. The insurance company sent over payment to Wells Fargo, but due to the time it takes to process, it wasnt received in Wells Fargos system yet. I was advised by a representative at Wells Fargo to make an additional XXXX payment even though the car was a total loss and the insurance had already paid the loan off. I sent the payment on XX/XX/XXXX. I was told that the additional payment would be immediately reversed as soon as their system reflected the pay-off being received. Towards the end of XXXX, I had not received the reimbursement, so I called back and discovered Wells Fargo sent a check by mail ; which I NEVER received. I called Wells Fargo back again in the middle of XXXX, told them I did not receive it, asked them to confirm that it had not been cashed ( which they did and it HAD NOT ). At that time, they told me they would re-issue a check, but that they could not overnight it, but that I would receive it in 7-10 business days. Instead of receiving a replacement check in the mail as promised, I received a letter with the subject : Action required to reissue payment for check number XXXX in the amount of {$470.00} and instructions on how to submit and Affidavit agreement which I had to have notarized in order for them to re-issue a check. I completed the Affidavit, had it notarized, and faxed AND emailed it to a supervisor named XXXX ( XXXX ) on XX/XX/XXXX. After having the issue escalated to supervisor XXXX, I requested to have Wells Fargo overnight the re-issued check to me. XXXX explained that this isnt something that they normally do, but that he would escalate it further to see if they could make an exception. XXXX advised me to call back this morning for a status on the exception, and that if he was unavailable to have the representative that answered instant message him. The representative that I spoke with today, would not give me any information, would not instant message XXXX, but would only put me through to another supervisor, XXXX employee # XXXX. XXXX gave me the same run around and said that she checked with XXXX and his supervisor would not approve the exception to overnight the check ; that they could not do that unless I supplied the XXXX acct #. I expressed that this is VERY POOR customer service. It should be the cost of doing business at this point and they already attempted to send me a check by mail that I did not receive. XXXX advised that she could not authorize this and I explained that she needed to get me someone that could. This is ridiculous and that I want my money. Supposedly, they somehow approved overnighting the check to me, however, it will take 48 hours for them to process ( how or why would it EVER take this long?? ). I told supervisor  XXXX that I expected a call back after it is processed to provide me with the tracking information. I have called at least 10 times and spoken to at least 10 different people over the course of 2 months trying to obtain my money. EXTREMELY FRUSTRATING AND VERY POOR CUSTOMER SERVICE.
Product: Debt collection

**This not a duplicate Complaint. The information attached** Recovery One Responded to Complaint #  XXXX  on  XXXX   XXXX  , 2017.      The company stated that they will cease collections efforts and send out delete notices to all credit bureaus. ( Attached ) I will like this company to send the delete notice to all credit bureaus again due to  XXXX  is still reporting this account.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB|| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information to PAID/AGREED for that following time period. XXXX XXXX Bank account Equifax saying they did investigation and account was not deleted! 

I have attached proper documents with this complaint. ID/SSN/Voter Registration for my proof of Identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRST, I WANT TO THANK YOU FOR YOUR PREVIOUS HELP WITH CITIBANK, N.A., NOW THE NEXT PROBLEM ... 
AS OF MID XXXX, CITIBANK , N.A . HAS REPORTED TO THE 3 MAIN CREDIT AGENCIES, XXXX, XXXX, XXXX, THAT OUR HOME EQUITY LOAN ACCOUNT # XXXX HAS BEEN PAID IN FULL AND SHOWS NO BALANCE. AS OF MY XXXX PAYMENT TO CITIBANK, MY BALANCE IS ABOUT {$49000.00} +, AND FOR SOME STRANGE REASON WHEN XXXX AND XXXX RECEIVED THE LAST BANK REPORT MY FICO SCORES DROPPED FROM THE NEAR 800 LEVEL. 
IF THE CITIBANK REPORT IS TRUE THAT THERE IS NO BALANCE I HAVE NO IDEA WHO PAID IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Burueaus and the bank 's records ( learned through more research both parties require ). Please remove these files as they were the results of Identit Theft : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these information belong to me I will require all documentation that bears my signature ( another research item I found that requires the Credit Bureaus to verify with 100 % accuracy that each itms is 100 % true, accurate, correct, complete & VERIFIABLE ). If the Credit Reporting Agencies do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account.
Product: Credit card

I contacted a company called XXXX XXXX to produce packaging for my company on XX/XX/year>. 
I was told I had to send them a logo. I sent them the logo. They claim they needed to do something to the logo in order to use it as the logo file did not come in the requested format. For this, they would charge {$200.00}, but because I was a referral, they would only charge {$100.00}. I paid it through Paypal. I then requested they send me the file so I have it for my records so I may show the file as evidence of payment if ever asked at tax time. They never sent it. I filed the dispute with Paypal. XXXX When the samples of the product was ready, I was required to send {$50.00} for shipping the items by XXXX. I sent the funds. When I received the product, 2 of the authorized items were terrible. The flaps were too big and was sloppy. The cookie box was ok. I reported this to them and showed them a video of the item. They apologized and said they would fix it. They sent me a video of them fixing it. Afterwards I received an email to send money for the order. I said no. I needed to see an updated sample of the so-called fixed item. They never sent it so I filed a dispute with Paypal. XXXX The merchant responded and said they will issue the credit provided I send the items back to them. Happy to do it but they would have to pay to receive their samples back. I called Paypal and asked them why is this a condition of getting my money back? My dispute is not based on a product but a shipping fee. PayPal in XXXX tells me Paypal does not provide buyers protection for shipping fees. This is not a buyers protection issue but a refund for a service of which non-conforming goods were sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : 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 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : FCRA Violation Misuse of Credit Report Dear Equifax, I am writing to formally address a serious concern regarding the misuse of my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

I discovered on my credit report that your company closed my revolving positive credit card account that I've had for over a year, and it is in good standing 's nobody gave you the right, or written consent to close that account. That account is not closed on my XXXX, or XXXX report. Clearly this is misusing of my credit report which is a violation of the Fair Credit Reporting Act. This incident has caused me significant distress and may negatively impact my creditworthiness. 

Under the FCRA, I have the right to dispute any inaccurate or unauthorized information reported on my credit file. I kindly ask that you fix, and restore my account at your earliest convenience. I request a copy of any documentation that supports the access to my credit report. 

Please confirm receipt of this letter and provide me with updates regarding your investigation. I expect a response as required by the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely CFPB PLEASE MAKE EQUIFAX FIX MY ACCOUNT AND CREDIT SCORE CLEARLY Misuse OF MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute an erroneous and inaccurate account on my consumer report. TransUnion did not take any action, because they claimed i was working with a third party which i am not, but even if i was they are still violating the FCRA. This has severely hurt my creditworthiness and ability to obtain credit. The inaccurate reporting has caused financial hardship and emotional stress. TrasnUnion has violated several federal laws.
Product: Mortgage

Hello my name is XXXX XXXX. For the last XXXX years I have received an bill for escrow shortage for my loan. The first one on XXXX was less then XXXX and they raised my loan {$200.00} with a payment of {$800.00}. In XXXX I received another shortage of escrow for XXXX which raise my bill {$750.00}. I sent a payment for the escrow on XX/XX/XXXX for the amount of {$5800.00} even though I do not understand the shortage and their online payment history is not clear on were the payments are being allocated to. I call and spoke to a rep that informed me that the check that was sent for an escrow payment went towards payment for the mortgage. When I ask why they allocated my funds to something other then what was specified she replied that a full payment had to be sent to go toward escrow. The phone then disconnect and I was not reached out to again. I then emailed them to have it documented and called again and asked to speak to a Manager. The manger told me she would have the escrow payment fixed but could not fix the payment for XXXX. Now it is XXXX and my payment show again {$2600.00} owed. I dont know what else to do and I can not afford a payment this high. The reason I purchased a home is to have a stable amount to pay. I went from {$1700.00} when I closed to now {$2600.00} that seem extreme to me. Can you please help. 

Thanks XXXX XXXX
Product: Debt collection

ABILITY RECOVERY SERVICE IS IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY ARE REPORTING AND ACCOUNT TO MY CREDIT THAT IS NOT MINE.
Product: Checking or savings account

I issued a check in XX/XX/XXXX costing XXXX to pay for my monthly rent ( in XXXX, IL ) and it was deducted to my checking account. In XXXXXXXX XXXX XXXXXXXX, I noticed that {XXXX was deducted to my checking account again and I take a look into the details of the deduction and found out that the same check ( check XXXX ) that I issued 3 years ago was used. I called the customer service/fraud dept and XXXX them why would they authorize a 3-year-old check to be deducted to my account and the fact that it has been deducted before ( in XXXX ) ; The agent over the phone can't give me an answer and said that it should not have happened cause checks are normally valid for 90 days only but I was told that they're gon na process to return my {XXXX} in my account within 2 business days. I waited for more than a week but it was not returned to my account so I called them again and again with weeks of interval and they will always say the same thing to wait within 2 business days, but still they didn't credit my money back to me. so, I went to one of the XXXXXXXX XXXX branch ( XXXX, IL where I currently live ) to talk to a banker but they said they can't do anything about it 'cause they don't process this kind of request and that I have to call their customer service so I called them again and was told the same thing and months have passed and I still haven't received my hard earned {XXXX}. and at this point, I'm just getting exhausted and hopeless in reaching out to them. I know it's not much to some people but it is to me and I needed it.
Product: Credit reporting or other personal consumer reports

Dear CFPB, On XX/XX/XXXX, I checked my credit report and noticed inaccurate information related to my account with XXXX XXXX XXXX/ XXXX XXXX ( Account # XXXX ). The file number of the credit report I pulled is XXXX. The following balances, past due amounts, and scheduled payments from XX/XX/XXXX through XX/XX/XXXX are incorrect : XX/XX/XXXX : Incorrect balance and past due amount. 
XX/XX/XXXX : Incorrect balance and past due amount. 
XX/XX/XXXX : Incorrect balance. 
XX/XX/XXXX : Incorrect balance. 
XX/XX/XXXX : Incorrect balance. 
XX/XX/XXXX : Incorrect balance, scheduled payment, and past due amount. 
I have attached credit card statements for this period, which clearly demonstrate the correct amounts. The inaccurate information reported by XXXX violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 U.S.C. 1681i requires credit reporting agencies to conduct a reasonable investigation into disputes raised by consumers. If the creditor, XXXX XXXX XXXX/ XXXX XXXX, can not verify the accuracy of the reported information, XXXX must delete the inaccurate data.

15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain procedures to ensure maximum possible accuracy of the information they report. The discrepancies on my report clearly violate this requirement, as the balances, past due amounts, and scheduled payments are incorrect.

Additionally, under 15 U.S.C. 1681s-2 ( b ), data furnishers are required to conduct an investigation upon receiving notice of a dispute from a credit reporting agency and must correct or delete any information that is inaccurate, incomplete, or unverifiable.

Given the clear inaccuracies and failure to verify this information, I am requesting that the CFPB assist in ensuring that the erroneous entries are deleted from my credit report, as required by the law.

Please find attached the supporting documentation, including the erroneous credit report entries and corresponding account statements for the disputed period. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

Due to fraud on my XXXX XXXX XXXX account, a substantial number of unauthorized/fraudulent charges were posted to my account. My account had been set up for an automated debit for payment toward the card. By way of those automated payments, all legitimate charges had been paid. Because of the unauthorized/fradulent charges on my account, my account was closed due to fraud on or about XX/XX/year>. In connection the closing of the account, I was informed that I was not personally responsible for the payment of those fraud charges. However, since closing the accountXXXX XXXX XXXXXXXX XXXX has called me more than fifty ( 50 ) times saying that I still owed amounts on the closed account. I repeatedly explained the closure of the account due to fraud and that I did not owe the amounts for the fraudulent charges. Up until the time of the fraud, I had an impeccable payment history on the credit card. After the closing of the account, I did not make any further monthly payments, as I was told that I was not personally responsible for the payment of those charges. Nonetheless, XXXX XXXX  XXXX has reported my account as in default, with late payments, since the closure of the account. XXXX XXXX XXXXXXXXXXXX XXXX incorrect reporting to the credit reporting bureaus has substantially damaged my credit score.
Product: Credit card or prepaid card

Elan financial stopped updating any of the 3 credit reporting companies as of XXXX of XXXX. This resulted in them showing late payments every month having a drastic impact on my score. When I tried to contact them to update the bureaus they just said they do every month, even though its clear that they haven't been, and filed to do anything to try and remedy the situation.
Product: Money transfer, virtual currency, or money service

on XXXX XXXX I deposited a XXXX 's check for amount of {$XXXX} into my Wells Fargo XXXX account ending with XXXX, but I forgot about this deposit. Then I deposited the same check into XXXXXXXX XXXX  bank on XXXX XX/XX/year> by mistake thinking I hadn't deposited. Then I received a letter from XXXX XXXX  saying saying this check was process and returned due to duplication of deposit. At the same time Wells Fargo deducted {$XXXX} from my checking account and since then I have Faxed them the XXXX  letter and they keep delaying putting my money back into my account and recently on XXXX XXXX when I called the claims Center their senior escalation said you have to wait for XXXX  days and then hung up the phone on me when I asked for the reason. I am very upset because they are keeping my money for no reason. They never paid XXXX {$XXXX} they just returned the check.
Product: Credit reporting or other personal consumer reports

I

n 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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

This is not a duplicate. i needed to add additional information File # XXXX Company : XXXX XXXX XXXX XXXX CA XXXX Balance {$19000.00} type : unsecured loan Credit Company : TransUnion XXXX has been continuously reporting incorrect data to my credit breu. 
the credit bureau has been telling me they can see it but was not able to do anything about it. 

They tell me that XXXX has reopened my account that was closed and charged off in 2017 they changed my open dates. and they have reopened my account and has been charging it off every month. she says it has been affecting my credit but she was not able to do anything an directed me to you. i spent 2 years getting my credit back right and in XXXX they have been sending in accurate information stopping me from achieving credit repairs..
Product: Credit reporting or other personal consumer reports

Upon looking receiving my credit profile. I notice hat there addresses that are present that I have never lived. This presents a scare for me thinking that someone could have access to my credit report or other sensitive information.