23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a continue case to solve for Wells Fargo ; move information needs to be given : My credit is on the line due to you not doing the right thing. I have sent you information pleading my case which is a nightmare. and of no fault of mine i have no choice but, to continue asking for an explanation why you are not taking this {$83.00} off my credit and continue making this a nighmae and destroying my life by destoring my credit, As I continue telling you that I was under XXXX care and completely loss my XXXX have to go under three XXXX. my home, my care, my bills, nurses care was in control. 
while I was totally adapping to my life fighting for my XXXX i was robbed my home, my bank accounts my credit cards, my check book bank permission was only supposed to pay my bills. The home help card used my credit cards and paid money on my wells Frago account, and used my credit cards without my permission. Your bank would have never been pick up as fraud if you didn't close out my account to automatic take out payments. so again I'm asking you to honor the XXXX dollars and remove me out of this charge off. I was not able to read your notice stating that you closed my account i believed because of the low balance. 

remember that your bank falsly open accounts in my name and also another address. Just trying to get {$83.00} off an charge off is crazy especially since you gave me a fee because of my troubles. this dispute has been going on for several years. I have recover more horrible news and becoming sick each time you are making me go to look up information to plead my case!. Cancel because of a closed account that was stopped because you bank had accounts in my name that never opened. I was afraid to trust your bank again. 

2. accounts open at my second home address please indicate where the money is that is suppose to have been deposit in my accounts 3 '. possible credit alet. 

if you can see this is very hard to understand. why this bank is doing this for XXXX dollars my credit card was used and paid for by an automatic payment and a care taker please explain why you are not accepting my claim. and please state that you fully know that this credit card was being used and paid for why a care taker only had permission to pay bills, you are indicating that you are not accepting this claim because my bills were being paid. the police gave me a police report and why you are not accepting the police report. you also had an report by the insurance company for thief I need this in writing to be able to dispute to the next level.
Product: Debt collection

Since XX/XX/2016, I have been trying to communicate with XXXX to verify and validate my debts successfully with a contract bearing my signature and they have been unsuccessful in doing so. Note, today is XX/XX/2016 so six months have passed with only a bill statement to show. Recently, i initiated an online dispute with Equifax regarding this debt and they said that the debt was " validated ''. How has the debt been verified and validated? Under the FCRA, a contract bearing my signature has to be supplied, and XXXX does NOT have a contract with me regarding this debt.
Product: Checking or savings account

On XX/XX/XXXX, an unauthorized transaction occurred on my account. Money was withdrawn in person at the Chase at XXXX XXXX XXXX, XXXX XXXX, LA XXXX. I live in XXXX, TX  and did not make this transaction as I was in XXXX at the time. I requested information about his transaction occurred via chase online message XX/XX/XXXX. Chase response was that I will receive a reply within five business days. I have not received that reply and it is XX/XX/XXXX.

I also contacted the local branch with this information via phone so I can be advised how this transferred occurred The first phone call was on XX/XX/XXXX. A manager received the details but has not called back with this information. I called again on XX/XX/XXXX. Still, no reply The individual who made the transfer did not have my  account number so it is my assumption that a teller at the local branch provided my account number to the person making the withdrawal. This is a serious breach in information on Chase 's part, and there are probably other instances where information was shared/released to non-unauthorized parties on my and other customer 's account. 

Chase has issued a provisional credit, which can be reversed at any time. Therefore I am still waiting on a response as to what happened and how the matter is to be corrected.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and i have asked for them to removed and the bureaus did not do as i asked i am providing a identity theft report and i am requesting them to be removed because they are inaccurate and not mines. 

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

In accordance witn the Fair creair reporing act. The List or accounts berow nas viorared my rederally protecred consumer rignts to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXXXXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXXXXXX  XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc 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

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing that I owe {$320.00}. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Checking or savings account

For over 40 years I have had a checking account with Wells Fargo Bank, currently called a XXXX Account, which offered LIFETIME interest-bearing free checking, a free safe deposit box, free travelers checks and money orders in exchange for maintaining a minimum {$10000.00} deposit in any Wells Fargo savings account. Today I received notice from Wells Fargo that my XXXX Account is being closed without my consent and replaced with a XXXX Account on XX/XX/year>. The XXXX Account requires me to maintain a minimum {$20000.00} balance in Wells Fargo checking or savings accounts and does not appear to include the additional free benefits of the old XXXX Account. While in retrospect Wells Fargo may regret offering its checking account customers a lifetime package of benefits, the fact of the matter is they did so and have a contractual obligation to maintain these accounts until the death of the customer. Most of these customers are now seniors who may not be able to maintain the higher deposit balance the new account requires.
Product: Credit card

I have a credit card account with USAA XXXX. I used the no paper option and conducted all business with them online. Last year I began to have problems with their security system. For reasons I am unable to understand, they began to lock me out of my online account. After the second time this happened, I decided to close the account. I wrote a letter to them dated XXXX/XXXX/XXXX requesting that they close the account and send me a final paper statement. I received no response. On XXXX/XXXX/XXXX I wrote a second letter, requesting the same thing and specifically revoking the " paperless '' option for all my accounts with them. Again, I have received no response. Since, I am locked out of my online account, I ca n't determine if there is any final balance on the account, and if so, how much.
Product: Student loan

I have a static monthly payment with EdFinancial of {$300.00} where they're due on the XXXX of each month. Each payment cycle, I split the {$300.00} between two separate payments aligned with when I get paid from my employer. I made a payment on XXXX XXXX XXXX towards my XXXX  statement amount due and it was not applied properly.

On XXXX XXXX XXXX, I made a THIRD payment, as a 'future payment ', to deduct from the amount due in XXXX in the amount of {$150.00}. When the statement for XXXX was released, it said I was required to pay the full normal amount {$300.00}. Therefore, my payment wasn't applied to XXXX 's amount due. In early XXXX, I used the Chat feature for EdFinancial and requested them to fix. They put in a ticket on their end and said it could take a few weeks. I made only one other payment for XXXX in the amount of {$150.00}, totaling the {$300.00} for the month. XXXX came around and I received a statement with an amount due of {$300.00}, however, my online account showed I was {$150.00} overdue. I made payments of {$150.00} on both XX/XX/XXXX and XXXX. These payments totaled {$300.00} instead of {$300.00} because the amount due was somehow off and paying {$300.00} left a remainder of {$150.00}, which equated to the {$150.00} payment I made on XX/XX/XXXX that didn't get applied to my account 's current amount due. I called their customer service on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an update on the ticket to correct the issue and they said it was still in progress. 
I've now received my XXXX statement and it says I owe {$460.00}. I called XX/XX/XXXX XXXX XXXXXXXX XXXX and they stated my previous ticket was submitted incorrectly and they had to create a new one, but would completed within 5 business days. That same day, I went ahead and made a payment of {$150.00}. I checked and my account now shows I have a remaining balance of {$300.00}, therefore, my balance was never corrected. I should have a remaining balance due of {$150.00}. The difference is {$150.00}, which is the third payment on XX/XX/XXXX that never got applied to the amount due. 
I called EdFinancial today at XXXXXXXX XXXX and the first person I spoke with hung up on me after pretending they couldn't hear me some time into the call because it became heated. I called back at XXXXXXXX XXXX and was told my account has been corrected, yet it evidently has not. She then said there was nothing more they can do to help me.
Product: Credit reporting or other personal consumer reports

Someone from this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened a credit card with Discover Bank XXXX XX/XX/XXXX and spent {$2600.00}. I worked with Discover Bank in XX/XX/XXXX to resolve the issue. However, I see that this fraudulent account is still on my credit report and needs to be removed at it is impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on an account with the XXXX - partial account numbers XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit card

I requested to payoff the loan. Company told me they could not take another payment within 3 business days of the last payment due to their system restrictions and it was their policy. My regular payment was an auto payment setup and processed on XX/XX/15. I wanted to payoff the loan to get my title for the watercraft. They will not take my payoff for 3 days and thus I am accruing additional interest due to their system constraints. A debt provider must accept payments during their normal posted hours of payment and not tell me I need to wait 3 days to make my payoff.
Product: Checking or savings account

On XX/XX/XXXX my account balance shows over {$1500.00} dollars but my card was being declined online and at a gas station. I called Wells Fargo and was told my account was overdrawn. I was unable to see this from a branch ATM. I was told by XXXX in customer service that a hold was placed on the deposited check I made the day before but no notice was sent to me prior or during. I was told I wouldn't get that til Tuesday. I called my employer to verify the check cleared a d was sent proof of thr check clearing their account. XXXX with Wells Fargo is claiming the hold will stand until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ Date ] XXXX Consumer Financial Protection Bureau Subject : Complaint Regarding Inaccurate Personal Information Reporting by XXXX I am writing to file a formal complaint against XXXX XXXX and equivalent regarding the refusal to correct inaccurate personal information on my credit report. Despite providing appropriate documentation, specifically a copy of my driver 's license as proof of my correct address, XXXX has failed to make the necessary corrections. 

I have recently noticed that my credit report with XXXX contains an erroneous address, which is negatively impacting my financial standing. As a responsible consumer, I understand the importance of accurate credit reporting and the significant role it plays in various aspects of my life, including obtaining credit, securing housing, and even employment opportunities. 

To rectify this issue, I followed prescribed procedure by submitting a written request along with a copy of my driver 's license, clearly indicating my correct address. Unfortunately, XXXX XXXX and equivalent each rejected my request without any valid justification, leaving my credit report with incorrect information. 

The refusal to correct my personal information violates several consumer protection laws, including but not limited to : 1. Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumers have the right to dispute and request the correction of inaccurate information on their credit reports. Credit reporting agencies, such as XXXX, are legally obligated to investigate and correct any errors promptly. 

2. Fair and Accurate Credit Transactions Act ( FACTA ) : FACTA provides consumers with the right to obtain and dispute their credit reports. It requires credit reporting agencies to maintain accurate information and investigate disputed items within a reasonable timeframe.

3. Consumer Financial Protection Act ( CFPA ) : The CFPA empowers the Consumer Financial Protection Bureau ( CFPB ) to take appropriate action against financial institutions that engage in unfair, deceptive, or abusive practices, including inaccurate reporting of personal information. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter, investigate the actions of XXXX, and ensure that they comply with the aforementioned consumer protection laws. Additionally, I urge you to direct XXXX to correct my credit report promptly by updating my address to the accurate information provided. 


I appreciate your attention to this serious issue and request your prompt assistance in rectifying the inaccuracies on my credit report. I look forward to a favorable resolution and the restoration of my accurate personal information. 

Thank you for your understanding and cooperation. 

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

I never signed a contract with this company therefore they have no right to report on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Acct # XXXX Date of late payment ( XX/XX/2019 ) I also respectfully request to be provided proof of this alleged item, specifically proof that this payment was in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) I have my account on automatic payment so I dont understand how that I was late. If you investigate my payment history, you will see that prior or after alleged late payment in XX/XX/2019, I have never been late paying required amount of bill.
Product: Payday loan, title loan, personal loan, or advance loan

I receive a statement with the payment due date, the XXXX of each month. The minimum payment on the statement is {$79.00}. I noticed on my XXXX statement that the {$100.00} I paid XX/XX/XXXX went towards interest and none towards the principal. I called the customer service agent, and he explained I actually owed more interest than printed on the monthly statement and my minimum payment is lower than the actual amount I owe. I explained to the agent if I would have known I owed more money I would've paid more money because I want to pay this off. I also explained how it is illegal to send a statement out with one set of numbers then on the back end of their software have totally different numbers. I asked to speak with the supervisor. The supervisor explained my minimum pay is from the original company they purchased the loan from, and their company has different interest that charges per day that they have access in the computer to see. I asked why this information is not on my monthly statement. He instructed me to write a letter to the company requesting this information. I advised him, I don't have to write a letter, and he should escalate this complaint up the chain of command. All I want is a monthly statement with all the amounts and fees that I actually owe so I can pay this quicker.
Product: Debt collection

I was sent a letter saying I owed on my XXXX account that I in fact paid off in XXXX of this year. I told them and they said they would submit a dispute and that I needed to send in proof. I have sent in proof XXXX times now and a letter telling them to validate the loan if in fact they are saying i still owe. I can not get them to stop contacting me and releasing this debit that i have proven I paid.
Product: Debt collection

I am unaware of this debt. However, according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) I wasn't given an option to dispute or address this information prior to the debt being placed on my credit report ; therefore you have violated my federal rights. If in fact you believe that you gave me proper notification, please send me the certified receipt with my name and my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting  XXXX  negative amounts that are  all 7years or  more old.   I have spoken with them in prior months and they verbally agreed to remove them from my report to this date they have still not been removed. These accounts are as follow  XXXX   XXXX   XXXX  ...  .30 day la te  XXXX   XXXX   XXXX  ... ... ...  ..30 day la te  XXXX    XXXX   XXXX   ... ... Collection  XXXX  ... I have no idea who this company represents  XXXX   XXXX   ... ... . .. ... .Collection ... .rep  XXXX   XXXX    XXXX   XXXX   XXXX   who admits that the collection came to them with NO MONEY owed attached to it ... yet he claims that he is unable to remove it nor can he  XXXX   XXXX   XXXX   XXXX  and ask why he was sent my information  XXXX   XXXX   XXXX   XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was nothing to explain further. I have been sending letters to Experian and XXXX for months now and I have repeated myself over and over again. CFPB amp up and delete the accounts XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent certified dispute letters to XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the original creditor, XXXX  XXXX, regarding medical collection accounts that have been improperly reported on my credit report. These accounts include the following : Amount : {$670.00} Date Opened : XX/XX/year> Status : Collection/Charge-off Despite my formal dispute and the accompanying documentation, these accounts remain on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting agency and the collection agency to validate the debt and investigate disputes promptly. 

Additionally, this medical collection involves sensitive information protected under the Health Insurance Portability and Accountability Act ( HIPAA ). No authorization has been provided for the disclosure of my medical debt to third parties or the inclusion of this information in credit reports, which constitutes a breach of my protected health information rights under HIPAA. 

Furthermore, my personal information has been sold without my consent to third-party entities for the purpose of collection. This unauthorized sale of my information is illegal and has resulted in identity theft. I have filed an identity theft affidavit and dispute claims with the credit bureaus, but the collection accounts have not been removed. 

Actions Taken : On XX/XX/year>, I sent certified dispute letters to XXXX XXXX XXXX XXXX XXXX and the original creditor. 
I filed identity theft affidavits to address the misuse of my personal information. 
Despite these efforts, the collection remains on my report, and no resolution has been provided. 
Impact : These actions have caused significant harm, including damage to my credit score and the unauthorized exposure of my private medical information.