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

My name is XXXX XXXX a federally protected consumer. I am making a complaint against XXXX, XXXX, and TransUnion for committing identity theft. I never gave XXXX, XXXX, nor TransUnion, any permission to use any of my identifying information to furnish my consumer report. On this date XX/XX/2022, I certified a mail letter of validation to each credit reporting agency. As of ( XX/XX/2022 ), I have not received any documentary evidence, such as a trilateral contract, giving each of the bureau XXXX, XXXX, nor Transunion consent to furnish this information on my consumer report. 

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

The payment to the credit holder WF/XXXX was paid on time prior to the regularly scheduled due date. Due to a fraudulent alert when the payment was processed by Wells Fargo the payment did not go through. In contacting Wells Fargo they agreed that the payment was paid before the due date and that they caused the fraudulent alert on my account causing the payment which was made on time not to process through their systems until after the due date. WF/XXXX   representative agreed to remove the delinquent payment notification to all of the credit bureaus. This has not happened. I have also tried to work through their dispute systems and they have not been willing to correct the information on the account. The incorrect information shows the account was delinquent on XX/XX/2016. Wells Fargo is the collector for XXXX who made the mistake in processing the payment on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent accounts on my credit report. XXXX  and Experian won't investigate my complaint because they think a credit repair company is helping me. I AM THE ONLY ONE DISPUTING FRAUDULENT CHARGES ON MY CREDIT REPORT. NO CREDIT REPAIR COMPANY
Product: Debt collection

I lived from XXXX till XXXX in the apartment complex XXXX XXXX, XXXX, TX. This apartment complex was bought at the end of XXXX by XXXX XXXX XXXX. Upon leaving the apartment during XXXX XXXX I was told that my deposit would be affected towards the cleaning fee and I provided my new address in case they needed anything. A few months ago I pull my credit report and found that National Credit Systems , Inc. is reporting a debt of {$180.00}. I would have payed that amount of money without problem if I would had been notified and the debt had been validated. In exchange, the XXXX notice i got from a debt that I do not know why I am being charged came from my credit report. This is causing a great harm to my credit history, and I have n't been able to get a mortgage because of it. I requested 25 days ago a debt validation notice and proof that they attempted to collect the debt before reporting it to the credit bureaus. I 've got nothing. I feel frustrated and unprotected from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncb/cc Inquiry from XX/XX/2021 - Finance that their customer service would not help and take care of the negative inquiries reporting to your credit report. Remove hard inquiry
Product: Mortgage

XXXX XX/XX/2024 LOAN BALANCE {$18000.00} Decided to pay down loan on XXXX XX/XX/2024. 

PAYMENT {$3000.00} BALANCE : {$15000.00} Decided to PAYOFF loan PRINCIPAL AMOUNT of XXXX on XXXX XX/XX/2024 WELLS FARGO XXXX DESIGNED TO BLOCK FULL PAYMENT OF PRINCIPLE, REQUIRES USER TO PAY ANOTHER MONTHLY PAYMENT SYPHONING ADDITIONAL INTEREST FROM CUSTOMERS. ADDITIONALLY WOULD NOT ALLOW ME TO PAY REMAINING {$.00} BALANCE. 

AT LEAST XXXX CALLS MADE TO WELLS FARGO, EACH TIME, A DIFFERENT EXCUSE AND DIFFERENT ANSWER. REQUESTED PAYOFF LETTER AND AMOUNT ON XXXX XX/XX/XXXX. HAVE NOT RECEIVED AMOUNT IN WRITING. XXXX SAID I WOULD OWE {$60.00} ADDITIONAL FOR COURTHOUSE RECORDING FEE. THAT WAS ALL. 

WELLS FARGO REVERSED MY PAYMENT FROM XXXX XXXX XXXX IN THE AMOUNT OF {$15000.00}. 

BALANCE DUE WENT FROM {$.00} to XXXX back to {$15000.00}. 
THE PAYMENT HAS DISAPPEARED FROM MY ACCOUNT. NOW THEY CLAIM IT WILL TAKE UNTIL AT LEAST THURSDAY, XX/XX/2024 TO INVESTIGATE THE SITUATION AND APPLY FUNDS. 

THEY ARE INTENTIONALLY DRAGGING THEIR FEET MISAPPLYING MY FUNDS TO EXTRACT MORE MONEY ( INTEREST ). ( THIS IS A REPEAT OF WHAT THEY WERE FINED $ XXXX FOR BY CFPB 18 MONTHS AGO ). 

WHEN MY ACCOUNT READ BALANCE OF {$.00} THEY WERE STILL INDICATING I HAD A BALANCE DUE ON XX/XX/XXXX FOR MY REGULAR MONTHLY PAYMENT OF {$750.00}. 

XXXX, I HAVE ALWAYS PAID {$1000.00} PER MONTH, ALWAYS BEEN PAID THE LAST WEEK OF THE MONTH. 

PLEASE INVESTIGATE THIS FRAUD. 

THANK YOU, XXXX XXXX XXXX XXXX, XXXX XXXX RETIRED XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquires from STATE FARM BANK ( Inquiry : XXXX XXXX, XXXX ) and XXXX ( inquiry : XXXX XXXX, XXXX ) I am not liable for and its showing up on my credit report.
Product: Bank account or service

I have reason to believe my bank is structuring my transactions in a way that generates maximum overdraft fees. In the past three months, on at least XXXX occasions, I have been hit with as many as XXXX overdraft fees on transactions that could have been covered if the bank ordered them smallest-to-largest, or even if they took place in chronological order. The bank now wants me to switch to a savings account that would refuse to honor the purchases XXXX but which would mean I 'd receive fees from the company I was attempting to pay ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I went to purchase a new vehicle. They was to run my credit with the finance company that I had already finance my car with. A few days I am receiving multiple letters from different banks etc. On XX/XX/XXXX, I received a letter from XXXX XXXX. It states that XXXX , XXXX used my credit to make a decision. I did not authorize this company nor any other company to pull my credit. I do not know who this is. I have contact this company, with no results. I have XXXX to find out how I can get a better resolution. Hope this will be the best result. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent in a dispute. And on XX/XX/2020 it was finished. With no explanation of how this was verified. The item was paid by insurance. I would like this item reinvestigated and taken off my credit.
Product: Checking or savings account

BMO Harris has charged my account over {$250.00} in overdraft fees for charges that were reversed by them ( bank error ). Instead of allowing the charge to bounce, they allowed it to process, come out of the account, then reversed it 24 hours later and charged fees. This has happened multiple times for the same charge, resulting in hundreds in overdraft fees, with none of the bills actually being paid to the merchants. This is unfair and predatory for businesses going through rough times in a pandemic. 

I have reached out several times since late XX/XX/XXXX/early XXXX about the fees. Each time, I was told by the person on the phone that a manager has to reach back out to me about this, but no one reached out until today XX/XX/2021 after the account was closed. My business has been negatively affected by COVID and this is unacceptable. Had they returned my calls when I first requested, I would have qualified for the COVID relief program for overdraft fees and this would not be an issue. 

This situation and the fees are all bank error and I would like them to be reversed ASAP as I will not be paying them through a collections department or agency. I intend to speak with a lawyer about this if not rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and transunionhas continuously and falsely verified this alleged account. Both XXXX  and transunion have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. 

Also the debt collector ( XXXX XXXX ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Product: Credit reporting

To whom it may concern i having a major issue with The reporting Agency Experian with violating my rights when it comes to following the fair credit act. i requested my credit report i received it i saw things that was n't correct so disputed them in a dispute letter online and through the mail. I request them to provide all original applications in my credit file verifying all claims of debts with my wet ink signature no copies thats not verifying according to the fair credit act section 609. they havent provided me with any documents they have completed my dispute all they remove was XXXX credit cards and updated all the other unauthorized accounts.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX XXXX XXXX pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 


please delete following accounts XXXX XXXX XXXXXXXX XXXX, Account number XXXX balance XXXX
Product: Credit card or prepaid card

I received a letter in the mail asking that I send ( snail mail ) or fax an original utility bill or bank statement, front and back copy of my social security card and from and back of my drivers license. I called their customer service and told them I do not feel comfortable mailing or faxing this kind of personal information. I am worried about identity theft. I asked if they had a secure portal to submit such information. They said no. I spoke to a manager also. Same answers. When I asked what triggered this letter, they said they are updating my file. I dont know why they need this info, but if I could securely submit it, I would.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 29 It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX T Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft TD AUTO FIN Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$130000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I called XXXX XXXX to locate the buyer of this account. I spoke a to rep named XXXX, he allowed me to record our call XXXX could not locate this alleged debt nor could he provide the buyer of this accounts information. I called Experian immediately, I asked for verification of debt and I was told they couldnt provide anything in writing and word of mouth is excepted as validation of debt from any company. This inaccurate information is negatively effecting my credit. Experian has not properly investigated this account. Under law I should receive a proper investigation. Please provide verification of this alleged debt or a copy of a judgment within 30 days from today or immediately delete this account { FCRA XXXX U.SC. section XXXX ( XXXX ) ( A ). Also send an updated copy of my consumer report. I am willing to send the conversation I recorded with XXXX to show just how fraudulent Experian has behaved in the lack of a proper investigation please provide a email that I can send this file too, the call is longer than XXXX. All facts are stated within the call. This alleged debt is an act of fraud
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Payment History Including Metro 2 Under 15 USC 1681e Dear Transunion, I am writing to formally request the deletion of certain payment history entries, including those reported through the Metro 2 format, from my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically under Section 15 USC 1681e. 

XXXX XXXX XXXX  Upon reviewing my credit report, I have identified discrepancies in the payment history associated with my accounts. It has come to my attention that some of these entries, particularly those reported using the Metro 2 format, are inaccurate and do not reflect my true creditworthiness.

As per 15 USC 1681e of the FCRA, I request that you conduct a thorough investigation into the accuracy of the payment history entries reported through the Metro 2 format. Any entries found to be inaccurate, incomplete, or not verifiable should be promptly deleted from my credit report.

I understand that the Metro 2 format is utilized for standardized credit reporting, and therefore, I urge you to ensure that all information reported in this format complies with the FCRA and accurately reflects my credit history.

Furthermore, I request that you provide me with a written explanation of the results of your investigation and any actions taken as a result. Additionally, I would appreciate receiving an updated copy of my credit report reflecting the deletions made after the completion of your investigation.

Thank you for your attention to this matter. I trust that you will handle this request promptly and in compliance with the FCRA. If you require any further information from me, please do not hesitate to contact me at the phone number or email address provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand why? Please help me out. 


-US DEPT ED XXXX XXXX XXXX -DEPTEDXXXX   XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX   XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX   XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX -DP OF EDUC XXXX : XXXX
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. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX, 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

I sent a dispute letter to TransUnion about inquiries on my report to delete and investigate and havent received no results yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to get a balance sheet stating the payments made after account was closed. Also need current balance and status of account on company letterhead.
Product: Checking or savings account

I have had an account with Capital One since at least 2005. I have had money in CDs, XXXX XXXX, and XXXX Account. I have a very high balance currently with Capital One ( over $ XXXX ). Over the years they have steadily decreased the interest rates on their accounts, including CDs. I currently have 2 products with Capitol One -- '' XXXX Savings '' with 0.3 % APY and " XXXX Money Market '' with 0.8 % APY. I just found out today that both of those type of accounts are no longer offered. Now they have a product called " XXXX XXXX Savings Account '' which offers 1.75 % APY. No one in from the company every reached out to me to inform me the specific products offered to me years ago are now different with a significant better interest rate. There is nothing on the website once I log-in to provide me better products. When I am logged into my online account, I can see no other options, such as different accounts ( i.e. savings, CDs, etc ) that have a much better return on investment than my current holdings. When I click " Explore Other Products '' nothing pops-up as an option to increase my investment rate. I have unblocked all pop-up blockers and cleared all my browsing data and cleared my caches. However, when I log-out and do a google search for capital one products, all kinds of different products including the new type of savings account and CDs appear as options for investment. Most ethical and law-abiding banks, will offer or share with the consumer that the customers products are being retired and their are better products and inquire if the customer wants to rollover to the new account. Capital One purposefully did not offer or inform me new products because I was already a loyal customer with a high cash balance. They were not looking into the best interest of their client, but only to maximize their profit. The company is purposefully locking current/old/loyal customers to an inferior product by not allowing them to see new/better products once the customer is logged into his/her account. I have lost a lot money because of Capital One 's practice and have chosen to close my account and file this complaint with CFPB
Product: Debt collection

There are several collection accounts on all 3 of my credit reports that are fraudulent and a result of identity theft. I've disputed these accounts multiple times but they have yet to all come off my reports. Can someone please help me get these collection accounts that are not mine off as they are hurting my credit? My wallet was stolen on the city bus about a month before the date on the 1st of these collection accounts. I '' m assuming that these accounts are from whoever stole my wallet and has my identification. These accounts are all from Wakefield & Associates and they are all for several thousands of dollars. I really need help removing these accounts and I'm not sure what else I can do because I've already reached out to both the creditor and all 3 credit bureaus.
Product: Credit card or prepaid card

American Express hiked the interest rate on my credit card from 15.99 % to 29.99 % on XX/XX/2022. I called the company on XX/XX/2022 for an explanation. The customer service representative gave me an illogical reason. I tried to reason with her to no avail.
Product: Debt collection

I received an email from XXXX. email copy and pasted, Dear XXXX XXXX, We are contacting you regarding File No : XXXX, which has a total balance at placement of {$3600.00} and is currently with XXXX Despite our attempts to contact you on your phone number, XXXX, regarding these debts, we have not received a response from you. As a result, XXXX XXXX XXXX has marked this file as a flat refusal to pay and has sold the account to our office for collection by legal means. 
If you do not respond to this notification, legal action will be taken against you, and the charges will amount to {$11000.00}. We urge you to respond with your intentions in order to resolve this matter and avoid further proceedings.

We offer several repayment options to settle your debt, including : - Option 1 : XXXX  months of {$180.00} - Option 2 : XXXX  months of {$220.00} ( saving {$220.00} ) - Option 3 : XXXX  months of {$310.00} ( saving {$500.00} ) - Option 4 : XXXX  months of {$470.00} ( saving {$750.00} ) - Option 5 : XXXX payment of {$2600.00} ( saving {$1000.00} ) Please let us know which option you prefer by today to avoid legal action. This is your last and final chance to settle this file.

Thank you for your attention to this matter. 

Sincerely, National Debt Relief, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | FDCPA Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521, and intended only for the use of the individual or entity to which it is addressed. 
Any unauthorized review, retransmission, dissemination, or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the sender and permanently delete this message.

Copyright 2021 National Debt Relief | Privacy | Terms of use | Carrier. 
I am unaware of XXXX or any loans by this company.
Product: Debt collection

I have requested that the company cease and desist all communication the company is not authorized to collect a debt from me I do not own a debt with them! The refuse to stop reporting on my credit. I have revoked all right for them to communicate with me.