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

Conns Credit account # XXXX was opened in XX/XX/XXXX. My monthly payment amount was {$100.00}. I paid all amounts on time and paid the account off on XX/XX/XXXX in the amount of {$260.00}. The credit report shows the account as a Charge off and the it was Reaffirmed in Bankruptcy. The notes are : Payment history guide Charge Off as of XX/XX/XXXX toXX/XX/XXXX 30 days past due as of XX/XX/XXXX Paying debt previously in Bankruptcy on XX/XX/XXXX This account was never included in bankruptcy and wax paid on time and closed. I contact the company and the Customer Service rep agreed that the data was incorrect. They were unable to correct it however.
Product: Checking or savings account

TD Bank XXXX XXXX XXXX XXXX XXXX, NY XXXX On XXXX XXXX, 2017 at around XXXX the teller behind the counter stated the TD Bank branch which she stated was branch # XXXX had no one Hundred dollar bills. I was making a Checking Withdrawal of {$3800.00}. The teller stated her name was XXXX. 
When I requested to speak with a branch manager XXXX and Senior CSR XXXX stated none was available to speak to me. 

It is hard to believe a TD Bank store has no Hundred dollar bills available. 
It is hard to believe a TD Bank store has no Branch Manager available to assist customers.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I bought an IPhone from XXXX and had it financed their company Citizens One Bank, for which 24 monthly payments were set up through my XXXX XXXX. I wanted to pay the balance in full but when I contacted Citizens One, I was told that they did not take checks, which I found unusual. I also re-read my agreement and I did n't see a clause that stated that I could not pay off my balance before the 24 month term, or accept a check to payoff this amount.
Product: Debt or credit management

I contacted a debt Solutions Company to consolidate my credit card debt so I could pay it off faster. I was sent to Level One Law. I signed papers with Them to withdraw {$250.00} each month to pay my debts. Thay have done not one thing on my behalf. A company called XXXX XXXX takes the money from my account. The first withdrawl was XX/XX/year> and each month after through the present. None of the money has gone to pay my debts and I can not reach anyone connected to this company. I looked up XXXX XXXX and Level One Law and they are being sued and the XXXX  will not register them. I opted out of their program and told them to cease withdrawing funds from my checking account, and requested ALL of my money to be returned as they have done nothing for me. Not even any letters to inform my creditors of what I was doing. NOTHING! I also filed for a stop payment at my bank and am asking for a new account so they have no access to my funds. I am a XXXX XXXX XXXX XXXX woman trying to live on a very limited income. I did NOT need to be scammed by these people! Please Advise.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

Wells Fargo please help me understand the following : Your response to my recent complaint stated " wells fargo has no record of opening any accounts without my authorization '' Please help me understand the following : On XX/XX/XXXX I received a check in the mail from Wells Fargo for {$50.00} with a letter saying " this is a courtesy check for the opening of unauthorized accounts in my name '' Please explain the discrepancies between your recent response to my complaint about your opening unauthorized accounts in my name and the check I just received from you. 

On XX/XX/XXXX I received a letter from you, Wells Fargo asking if I would like to attend mediation with you. In an effort to help me see if this offer is in good faith or not, please provide me with any inacurate information you have provided me to date. 

In your recent response to my prior complaint you said the information you reported to the credit bureaus was correct. Specifically you said you charged off a home equity mortgage in XXXX. What was the dollar amount for that charge off? Did you prepare and record any assignments after the said charge off? The deed of trust for this home equity says XXXX, XXXX is the trustee. What is Wells Fargo 's affiliation with XXXX, XXXX? Is there a promissory note for this home equity? 

Have you executed an assumption agreement with any other banks that include any mortgages in my name?
Product: Vehicle loan or lease

Upon signing my loan I was told directly by a Loan consultant from West lake Financial of XXXX XXXX CA that I would be able to get into another vehicle after I made 6 payments. I have currently made a total of 8 payments and they have reneged on their promise. I have asked this company repeatedly to put me in another vehicle or lower my current interest rate. This is verbiage from the email i sent them : My name is XXXX XXXX a current Westlake Financial customer with account # XXXX, I want to speak to a representative in regard to when I originally negotiated payments terms I was informed I would be able to get another vehicle or apply to have my interest lowered. Since this has not happened I want to do a voluntary repossession. Now what can waiver my decision or cancel this action, would be for your company to lower my very high interest rate of 23 % to around 13 %. Please update my online account to reflect to a lower payment so that I will know my interest on this account has been lowered for the month of XX/XX/2019. If this action can not be done, please send paper work for me to relinquish/surrender/give back the vehicle. Please email me all electronic documents where I can provide a electronic signature acknowledging my voluntary repossession Also send a final statement showing the payment difference or final balance after the vehicle has be sold at your auction. Thanks for viewing my inquiry.
Product: Credit card

Dear CFPB Representative, I would like to file a formal complaint with CFPB against Citibank Cards, specifically in reference to my CitiCostco credit card due to duplicate transactions posted to my account, both as pending authorizations and posted transactions. 

I currently have XXXX posted transactions in the amount of {$810.00} that still have pending preauthorizations. I have spoken to several call representatives regarding this issue, they have informed me that " there is nothing they can do to reverse these pending transactions and based on their merchant agreements, they allow the merchant up to XXXX  days to process the transaction which will then automatically fall off within XXXX  days. '' Additionally, there is a fraudulent pending preauthorization posted to my account on XX/XX/year> by XXXX XXXX XXXX in the amount of {$85.00} that still remains after I reported my card as stolen/requested for a replacement card. 

I do not believe the Citibank is protected me as their consumer and refusing to reverse fraudulent transactions made on my account, and when I say fraudulent I mean I did not authorize for these merchants to place multiple transactions on my account for the same transaction. Additionally, I do not believe the Citibank is acting in the best interest of their consumers by refusing to reverse these fraudulent transactions and holding me financially liable for multiple charges made to my account without my authorization. 

I am hoping that CFPB can step in to help me as the consumer to be treated fairly. Thank you kindly. 

All my best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with tXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Credit reporting or other personal consumer reports

So I keep getting hit with XXXX XXXX credit cards that I dont have and I havent filed for a card in abt three years. It keeps hitting my credit.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX  XXXX  XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance {$0.00}
Product: Debt collection

I had sold my residence and had all of my utilities including my XXXX accounts switched over to my new home located in the same town or zip code. The XXXX accounts included my land line, wire less and fax line. My XXXX account was uninterrupted and I transitioned into my new residence without any problems with the same numbers. Any monthly balances outstanding were simply added to my monthly bills and paid accordingly. While at my new residence, I received a call from Midland Collection Management, LLC " MCM '' stating they represented XXXX and that I was in collections for XXXX bill that was outstanding. I explained that I had just moved and I thought everything was fine with all services brought to my new residence. This was the first time I had heard of any amounts owed and it was from a collection agency ( not XXXX ). I had more than XXXX wireless, landlines and fax lines moved to my new residence and everything was current to the best of my knowledge without any outstanding balances owed. No service was interrupted at any time. The collection agency insisted this was for a line that was dropped and not moved or placed on my new billing information. However, the representative from MCM said if I was willing to pay this bill over the phone, they would remove it from my credit report due to the confusion. I apologized and gave them my payment information over the phone and it was processed immediately. The representative thanked me for the payment, gave me a confirmation number and reassured it would be taken off my credit report. The bill was paid immediately when I received the phone call and it was paid in full more than XXXX years ago. However, I was recently notified by the government that I may personal information may have been compromised and I reviewed credit reports from XXXX XXXX and XXXX. Upon review, I noticed that XXXX XXXX reflected the MCM collections account on my credit report as a closed collection account with a " XXXX '' balance owed. XXXX had the MCM collections account listed as an outstanding collections account, with " XXXX '' balance owed. This incident has damaged my credit score after making full restitution and it is still listed as outstanding. The representative informed me that this would be removed from my credit report upon payment due to the confusion caused by the recent move.
Product: Credit reporting, credit repair services, or other personal consumer reports

called the creditor and reporting bureau no account is established or consent with permissible to pull my credit XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX reporting/Transunion fraudulent open accounts open account XXXX XXXX XXXX open XX/XX/XXXX closed account -XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I signed up with Clover through XXXX XXXX XXXX enabling me to take credit card transactions for my small business. The contract was for pay as you go merchant services. 

I moved and consequently closed the business account in XX/XX/year> no longer using the clover service or my devices. My XXXX for 2023 reflects this time-line as well. 

In XX/XX/year> unbeknownst to me First Data Reporting Services LLC started a new annual maintenance fee charge. I was informed yesterday they sent me an email and because I did not opt out of their reporting they attempted to charge my closed account in XX/XX/year>. This amount has now gone to collections and they want {$240.00} to settle the debt. 

I have several concerns around this process : XXXX When I contracted with clover for merchant services I had no idea there was an additional reporting company. My new merchant services provider XXXX XXXX Provides the hardware, the app, and reporting. 
XXXX This reporting fee is extremely high when factoring in my volume of sales which is why I chose a Pay as you go plan. My total sales were {$3100.00} at approximately XXXX XXXX % commission which is about a {$110.00}. Adding this {$99.00} fee increases my costs to approximately 6 %. 
XXXX How can a company just add-on a fee without any agreement from their customer? 

I spoke with XXXX XXXX in the collection's/retention department at length yesterday. The company made no attempt to settle this dispute with me.
Product: Credit card

On XXXX XXXX my account continued to get reoccurring billing from XXXX in different amounts not previously agreed upon by myself, I can not access the XXXX account it is associated with and can not stop the reoccurring billing at all, chime bank in all their infinite wisdom after multiple calls to them finally blocked the merchant. Every time I explain to them that XXXX needs me to log into stop the transactions ( which I can not it is permanently blocked ) they pretty much are telling me its not their problem after multiple attempts to resolve this issue I get told they suddenly changed their policy on how disputes are handled and hung up on Im on the XXXX rebuddle for this dispute and evidence Ive sent to them is not being reviewed properly but sent to other departments I know this now because Ive sent evidence 4 times to them and they only used 1 photo of the multiple showing no access to the account exists if have to start another account with XXXX. Chime bank has been very rude and suspicious when it comes to their sudden policy changes and once things are settled myself and family will be closing accounts we have with them and moving back to traditional banking.
Product: Debt collection

NATIONAL CREDIT SYSTEMS , INC. AND THE GUARANTORS HAS A FRAUDULENT ACCOUNT IN MY PERSONAL INFORMATION OPENED WITHOUT MY CONSENT. THIS FRAUDULENT ACCOUNT HAS NOT BEEN REPORTED TO MY CREDIT FILES AS OF TODAY, AND I DONT GIVE CONSENT TO REPORT THIS FRAUDULENT INFORMATION TO ANYONE OR COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document THAT INCLUDED SPECIFIC ACCOUNTS ( XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX  ) Since XXXX, EXPERAIN, OR XXXX  HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX ARE ALL IN VIOLATION. XXXX, EXPERIAN, & XXXX FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE LITIGATION!!
Product: Debt collection

I received a notification from XXXX XXXX XXXX stating that I owed a debt for a service I allegedly used from a company name UPLIFT. I requested the details of what this alleged debt was for and they refused to provide any information. I never received any notifications by mail or phone from UPLIFT notifying me of a debt. I reported this as fraud to both the collection agency and the original debtor. NEITHER companies would provide me with any information regarding the supposed debt. I verified my identity to both XXXX XXXX XXXX and UPLIFT and was read back an email address that it not associated with me or anyone I know. I again reported this as fraud and have yet to receive any notifications. I disputed this with the XXXX and XXXX and the result of the dispute was a removal of the debt from my credit report by XXXX. 

https : //www.uplift.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Bank of America charged me {$850.00} for purchases I never made with a credit card that was never delivered to me ( on XX/XX/2022 ). It's been more than 60 days after disputing these charges directly with BoA and they keep charging me with minimal payments and late payment fees. 
All I received was a letter dated XX/XX/2022, informing me that BoA is researching this claim without any update despite several phone calls. I know the FCBA law protects me from making payments on fraudulent charges so I request your help to complain against BoA and get a positive response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair Credit Reporting Act the list of accounts below violated my federally protected consumer rights to primary and confidentially under 15 U.S.C 1681 US DEPT EDXXXX, US DEPT EDXXXX, XXXX  XXXX, US DEP EDXXXX 15 U.S.C 1681 section 602 A. States that 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 1681 ( A ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following items of information. Any other adverse items of information other than records or conviction of crime which antedates the report by more then seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) : A person should not furnish any information relating to the consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate