23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have repeatedly sent Transunion proof that these accounts are fraudulent and should not be reported on my consumer report. Transunion has continued to violate my consumer rights. I have sent in the proper documentation required that was asked and Transunion has failed to delete the accounts. Transunion is willfully failing to comply with federal law. These accounts have been deleted from my other consumer reports such as XXXX and XXXX. I will include proof below. According to the FCRA, Transunion is required to delete them as well. I have sent an FTC Identity theft report to Transunion proving the accounts are fraudulent which was also asked for. According to the FCRA, Transunion is required to delete those items while an investigation goes forth. Transunion has not done this. This has caused emotional distress and damage and also has caused damage to my reputation. I am asking Transunion to provide a copy of my consumer report showing the items deleted during the 30 day investigation and also proving they are complying with the FCRA. I am also asking Transunion to provide the name and direct contact information of the persons they will interview to verify the information the information on my consumer report they have refused to delete.
Product: Mortgage

After hurricane Irma I approached WellsFargo to take advantage of the disaster relief assistance since my home was in the affected area, they were very helpful so the agent on the special disaster relief hot-line said on XX/XX/XXXX that I could indeed take advantage to deferred up to 3 mortgage payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and place those 3 payments at the end of my mortgage term ( 30 years ) so I agreed, they promised they wo n't charge late fees, nor report to credit reporting agencies. 
However, starting on XX/XX/XXXX, I started receiving letters from WellsFargo with statements showing the owe amount ( {$2200.00} x 3 months = {$6600.00} ) and that I had to pay before XX/XX/XXXX to avoid late fees, and that my account was sent to Collections, well I called right away and I told them what I was told, well they said, I am sorry if our agent made a mistake but we just forgive the payment for 90 days after that I need to pay the entire amount {$6600.00} so they started asking documents to be send to underwriting to either approved a loan modification or a payment plan, well I sent docs after documents but there was always something missing, actually they place a late fee on XXXX, so I had to call to have it removed, any way, my complaint is that instead of relieving my situation due to loss of income, they aggravated my issue since I had to produce {$6600.00} to make my mortgage current withing 30 days, I was begging on the phone not to impact my credit history, they simply did't care, I was treated like a delinquent customer, the disrespected me, Finally, to my surprise, I received a call on XX/XX/XXXX from XXXX ( wellsFargo agent ) to tell me that they went over the tapes, and indeed they found that the agent told me they will deferred my payments and place at the end of the 30 years term, but unfortunately that agent had made a mistake and they could not do anything!!!!! 

That 's misleading customer, the simply lie to me, and I have to figure out myself, well I had to take money out my 401K to pay the entire amount and be in good status in fear they will report it to the credit bureau. 

I really hope this type of behavior does n't pass in-adverted, they are playing with hard working people, and I would seek some kind of indemnification. 
XXXX XXXX WellsFargo Mortgage XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Bank account or service

I wanted to stop XXXX ( XXXX ) automatic monthly withdrawals from my checking account and was told by the person at the bank it would cost me {$35.00} each to do this ( {$70.00} ). I told her this was a rip-off. It took her less than XXXX minute to enter the information into the computer to stop these monthly withdrawals.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding an inaccuracy in my credit report. Despite my submitting the dispute, Equifax constantly responds within 24 hours, stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. XXXX ) against them. For these similar violations, I request that the CFPB take action to ensure Equifax complies with federal laws and provides consumers with the necessary proof of investigations. 

here are some of the account i wanted remove 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a house and realized I had damages on my credit report according to the 15 USC 1681 there should not be any damages on my credit report, it is defamation of my character. Also, the reporting requirements do not comply with FCRA 611 ( 15 USC 1681 ) Hunter Warfield {$7400.00} last reported on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration with the unresolved issues related to fraudulent items on my account. Despite multiple attempts to rectify the situation, these fraudulent entries persist, causing significant distress and financial hardship. 

I would like to outline the unsuccessful attempts I have made to address and remove the fraudulent items from my account : Despite my persistent efforts, the fraudulent items remain on my account, adversely impacting my financial standing and creditworthiness. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I understand the seriousness of dealing with fraudulent activities, and I expected a swift and thorough response to protect my interests as a valued customer. However, the lack of resolution has left me deeply dissatisfied and compelled to escalate this matter further. 

I urge you to conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request a detailed explanation of the steps your company is taking to prevent similar incidents in the future. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I may have no choice but to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$1500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a collection account on my credit report. I have not been properly notified about these collection and there are inaccurate with how they are being reported. I demand that these collection be investigated and removed from my credit report. The following account needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1692 ( c ) this law clearly states : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ;
Product: Bank account or service

I purchased a {$500.00} reload pack from XXXX XXXX on XXXX XXXX, 2015 and proceeded to load it onto Reload 's website. It loaded just fine and I went to transfer to my prepaid card as per normal and it did not load properly. Their website was having technical issues. The next day I logged in and my money was missing. 

As you can see from the evidence, the reload pack number in question is not on the transaction history like all the others. Reload 's excuse is " it happens '' I have been in contact with both several times ReloadIt XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and they both keep blaming the other for this missing money. The reload pack number is XXXX and reload pack number is XXXX the XXXX prepaid card number that I transferred it to is XXXX I need somebody to contact these banks and work it out so that I can use of my funds or have it all refunded back to me in the form of a check.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report.I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts as soon as possible.
Product: Debt collection

TheaccountIamdisputingwassenttoTransworldSystemsInc.bymistake, accordingto XXXX ( XXXX ) .Ihavebeenmaking $ XXXXpaymentsonthe accountmonthlyanditispaidoff.OnXXXX/17, myaccountwasdisputedbybothmyself and XXXX ( XXXX ) .IspokewithsomeonefromTransworld Systems Inc.thatday.AndIspokewithXXXXfromXXXX ( XXXX ), the  headofthebillingdepartment, whotoldmeshewillhavetheaccountremovedfromyour agencyimmediatelysinceitwassentbymistake.Wearestillreceivingharassingletters and phonecallsfromthiscollectionagency, despitethefactthatitwassenttherebymistake, thatit wasdisputedbymeandthecompany, andthatitwaspaidoff.
Product: Credit card

I am confident that I always pay on time. What I don't understand is why this company is marking me as late for some months. Under USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} per account for inaccurate reporting.
Product: Credit reporting or other personal consumer reports

XXXX of 2023, I reached out regarding inaccurate information on my personal credit reports. I have been notified that my information has been used over 15 times on the dark web ; I was notified by several institutions to look into my credit report and place a fraud alert/freeze. There are multiple errors with my name and address that appear across all XXXX platforms. XXXX, XXXX XXXX and Equifax. 

My name appears several different ways, also including my previous married name. It states that my spouse is my ex, I never gave a name for spouse. My credit is being affected tremendously by all of the incorrect information posted. 

As for my addresses; there are over XXXX different spellings of my name that I asked to be corrected as well. After printing out new reports today, I notice everything is still showing as if I never contacted anyone. 

I also noticed after printing out XXXX pages on this report that the inquiries listed are insane. I have requested for this to be taken care of as well.
Product: Debt collection

on XX/XX/2019 I received a later dated XX/XX/2019. It looks like is from a law firm Rubin & Rothman , LLC attorneys at law. XXXX XXXX XXXX XXXX, NY XXXX phone # XXXX faxXXXX.This is fraud trying to collect a debt. 
1 ) the letter looks fake like mass produced ( I work for attorneys and this is not a formal letter of collections ) 2 )  my name its not correct or the address ( its close but wrong ) 3 ) it says I own $ for credit card with XXXX 4 ) I DONT HAVE ANY CREDIT CARDS WITH THEM. If I ever did it was over 15yrs ago. 
all credit accts were closed. and any credit cards I have is in my real full name, never in my pet name. 
5 ) this is 1st I seen this type of communications
Product: Credit reporting or other personal consumer reports

My XXXX  loans were previously held with XXXX before they were transferred to XXXX in 2022. XXXX XXXX  is still reporting them as active to all XXXX credit bureau 's. I can't get through to XXXX because you need to have an active account and I have tried by phone, email and botchat but it will not let me proceed. I have tried having the credit bureau 's do an investigation but they continue to keep the balance of XXXX  on my account an addition to XXXX. This is doubling what it says I owe for my XXXX  loans. I am getting no where in trying to get this information accurately updated.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPD findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds, I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX Bank on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX had incorrect information in our credit reports. We have been undertaking an extensive, multi-month process to get this information correct ; however, different financial institutions continue to receive wrongful information that is on our credit report. According to the FTC website we are entitled to a free copy of the corrected credit report once the investigation is completed and the wrongful information corrected ( from https : //www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports ) : " When the investigation is complete, the credit reporting company must give you the results in writing and a free copy of your report if the dispute results in a change. This free report does not count as your annual free report. If an item is changed or deleted, the credit reporting company can not put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The credit reporting company also must send you written notice that includes the name, address, and phone number of the information provider. '' Both XXXX  and Transunion have failed ( thus far ) to provide us with these mandatory corrected reports.
Product: Credit card or prepaid card

I tried to apply for the hardship program with Chase United Mileage Plus Visa on XX/XX/2020 since I just lost my job during the virus epidemic. I first spoke to a gentleman in Accounts Management, and was applying when I was cut-off. I failed to get his name and ID number, and I found this strange since the cell bars on my mobile was functioning. 

I called back, and spoke to XXXX ( ID : XXXX ) in Account Management, and explained my situation. I overheard her talking to the gentleman that I spoke to previously, and he was giving her coaching tips when she said - without getting my information on expenses and etc., - that I did not qualify for the hardship program, and that I should contact a 3rd-party credit counseling agency. 

I asked if the 3rd party credit counseling agency was associated with Chase, and she said no. I then asked why would I deal with another company, when my debt is with the company I was calling on at the present. She offered to transfer me to her supervisor. Her name and ID number is : XXXX ID number : XXXX. 

XXXX said I could not apply to the hardship program since I didn't know what my income would be going forward. I told her how could I have an idea when I was just laid off? My debt with the company is about {$34000.00}. I said that I needed to be on a payment plan or liquidation plan and would look for temporary work to make the payment to pay my debt with Chase. 

XXXX was not helpful, and would not allow me to apply for the hardship program since I just lost my job. Yet, I am willing to pay a monthly amount to decrease the debt. 

I can only think that Chase is doing this on purpose to keep the interest rate high. What company declines a person willing to negotiate and pay his debt?
Product: Checking or savings account

On XX/XX/2020, I received a promotional offer from JP Morgan Chase via email saying that if I open a new Savings account with them by XX/XX/2020 and deposit {$15000.00} within 20 business days and keep it for 90 days, I will get {$220.00}. The email asked me to go to a branch to open the account. I went to a Chase branch and tried to open the account but they asked me for additional documents I didn't bring at that time so couldn't open the account. As a XXXX XXXX XXXX during COVID time, I was too busy to go to the branch again so I contacted Chase via their secured message system to see if there's any online link for opening the account. I was told that I can go ahead and open the account and as long as there's a bonus offer ongoing, I will get the bonus. They also told me that only if an offer is provided by a branch, I have to go to the branch to open it. Since I got my offer by the email from Chase, not a branch, I decided to open my account online. I opened the account on XX/XX/2020, deposited {$15000.00} on XX/XX/2020 and kept there for more than 90 days and withdrew the balance on XX/XX/2020. They never paid me my {$220.00} offer so I contacted them via phone, secured message and they are refusing to pay me the offer. They said and I quote " XXXX, our records show that the coupon code you provided has already expired on XX/XX/2020. Hence, it can't be applied to your account. '' although I already told them several times that I opened the account when the coupon code was in effect and followed all their instructions but I haven't got my bonus. So, I would like to ask cfpb to make it fair for me and ask Chase to give me the {$220.00} bonus offer that I deserve. Please see the attached documents for more details as well. Thank you.
Product: Debt collection

Hello, I had requested that this collection firm to please cease and desist any and all communication with me, as well as my company, its employees, telephone reception, family and friends, in relation to their alleged debts they I owed. 

I had wrote them a letter to document a period of verbal telephone and email harassment we have received from this collection agency during a period of time from the past one ( 1 ) month. 

Such conduct has caused us to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. This included telephone calls using verbal threats and abusive language. 

I had an agreement with the collection company client company XXXX XXXX directly dated XX/XX/2018 and I had adhered to all of our payment obligations. Service Failures have resulted in reduced payment in accordance with our contract. 

Total dispute amount was {$3000.00} for cleaning services not provided to my personal private property Please help and advise. Thank you