23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX XXXX Wells Fargo Debit Card Dispute $ XXXX I have had a horrible experience with XXXX XXXX XXXX XXXX as I have never received items from XXXX XXXX were sent to me as the packages were empty upon arrival, which I filed a police report and other XXXX XXXX XXXX XXXX were totally incorrect and when I mailed them back to the sellers they never issued my refund ; which I have all of the shipping labels sent that XXXX approved the returns. XXXX claims they can't help me because they are 3rd Party items and it is at the seller 's discretion which is not responding to myself or XXXX, I have disputed the charges with Wells Fargo bank and they are denying my claim despite all of my hard-core evidence including police emails, police voicemails and proof of shipping labels. I need legal help in terms of consumer protection from WellsFargo for the $ XXXX. I am aware that this is a consumer and rights issue in terms of law, so I would like to hire you if you can assist me because if a merchant like XXXX never sends you items you purchased with your debit card, your primary protection is the ability to file a " chargeback '' with your bank. Please let me know if you can assist me because Wells Fargo has failed to do their due diligence and is simply being lazy and denying my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : 1. Bridgecrest reported my account as XXXX  days late for the month of XX/XX/XXXX. However, I scheduled an over the phone payment with Bridgecrest in XX/XX/XXXX, and Bridgecrest never executed the ACH transaction 2. I learned of this XXXX XXXX when I scheduled my XXXX payment online. 
3. Upon learning this, I paid both the XXXX and XXXX payment. 
4. I called Bridgecrest to notify them of the incident and respectfully asked them to remove the XXXX  day late reporting, as it was not my fault that my account was not drafted. Bridgecrest declined recommended that I file a dispute. 
5. XXXX XX/XX/XXXX, I filed a dispute with all three credit bureaus. 
6. XXXX XX/XX/XXXX, Bridgecrest responds, but not only does it not remove the XXXX late reporting, it stated that I was XXXX  days late for the XX/XX/XXXX payment. This is impossible as I made the payment on XX/XX/XXXX and today is XX/XX/XXXX. XXXX  days have no exlapsed. 
7. XX/XX/XXXX, I appeal the decision with XXXX, and Bridgecrest responds the same day with the same response as line item XXXX. 
8. I respectfully ask that Bridgecrest remove all late reporting from my credit reports for the following reasons : 8a. I was late in XX/XX/XXXX, only because Bridgecrest called me to schedule a payment, and after we confirmed the payment was schedule, Bridgecrest failed to draft my account. 
8b. The XXXX payment was not XXXX  days late, and Bridgecrest is inaccurately reporting it as late even after I have requested it to correct this error XXXX times. 
8c. Because Bridgecrest responded with inaccurate information after the original dispute AND because it failed to draft my account as schedule, which caused me to be late on the XX/XX/XXXX payment, all late reporting should be removed. The company has demonstrated an inability to be consistent and accurate, and I as the consumer should not be penalized for Bridgecrest 's mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of the list of accounts below. 

XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXr # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX # XXXX
Product: Debt collection

Complaint, QWR, DVR and demand for TILA disclosures regarding {$380.00} fees payment by XXXX and refund to Trustee. According to XXXX XXXX XXXX XXXX [ who responds complaints addressed to fake company PennyMac Loan Services , LLC ] AI -generated letter the Trustee Refund billed on XX/XX/year>, in the amount of {$380.00} represented funds initially sent to Pennymac by the bankruptcy trustee. However, the trustee notified that the funds were sent in error, and as such, returned them on XX/XX/year> Please provide me the name and contact information for the authorized individual employee of the Bankruptcy XXXX who sent this payment in error to verify this error ; and the name and contact information of the company who received these funds from XXXX XXXX ; provide me a copy of XXXX 's notice explaining which error was made when XXXX sent this payment and that this payment was related to ; please provide me the copy of the refund check for {$380.00} sent to Trustee.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, account # XXXX is reporting a balance of {$160.00} for a collection account. That update is incorrect because I already agreed to pay the settlement amount of {$930.00}, which i did. The original balance was {$1100.00}. Instead of them deleting the account, since its now settled and paid in full, they instead updated the balance amount. This collection account should've been deleted since it was already settled. Please delete this account
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I have noticed a collection account on my credit reports that I do not recognize or have any knowledge of. This account is inaccurately listed under my name, and my attempts to resolve this issue with the credit bureaus have not led to any meaningful action. 
I have provided supporting documentation requesting verification and removal of this. erroneous account, yet the credit bureaus continue to report them as valid without offering substantial proof. This has caused significant damage to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust. 
The unjust account in question : XXXX  : XXXX : {$18000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX BIRTHDAY DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Jection 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 ) ( a ) 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. 
Delete these hard inquiries : XXXX. ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I have financed a vehicle with Westlake Financial Services I recently noticed that my full payments made dated from XX/XX/XXXX-XX/XX/XXXX were allocated to interest only, balance due from these dates remained {$15000.00}, I called Westlake Financial Services XX/XX/2021 regarding this issue with no resolve, I called again XX/XX/2021 spoke to 2 different customer service agents and still no one was able to tell me why. Today XX/XX/2021 I spoke to a representative that could only keep telling me over and over that my interest is charged daily from payment to payment but he could not tell me why these payments were all allocated to interest only. I asked for his supervisor and was transferred to the same person that I had spoken with XX/XX/2021. 
My contract that I signed at the dealership states my payment is XXXX for 72 months, there is no mention of simple daily interest. The workers that I have come into contact with are rude and disrespectful, and laugh when I am trying to explain my issue the worst one so far was named XXXX XXXX ( represented him self as a supervisor ) refused to transfer me to a manager for further assistance
Product: Debt collection

I keep getting phone calls from this company threatening all sorts of consequences, but I do NOT owe whatever they are calling about.
Product: Debt collection

This letter is regarding account XXXX, which you claim XXXX. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting or other personal consumer reports

In XXXX the investigation was proven that the XXXX late payments that were reported to all XXXX credit bureaus were inaccurate. It was supposed to be corrected on my credit report after XXXX  days but my credit score has not increased. The late payments were removed within that month but my XXXX credit bureau scores did not change. This investigation happened with Yard Card.
Product: Credit reporting or other personal consumer reports

I want all accounts removed. This is a formal request for the removal of inaccurate, unverifiable, or outdated negative credit accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under the FCRA : Accuracy of Credit Reporting ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. If an account contains inaccuracies, the credit reporting agency must correct or remove the erroneous information.

Dispute Process ( 15 U.S.C. 1681i ( a ) ) : If I dispute the accuracy of any item in my credit file, the credit reporting agency must investigate the matter within 30 days.

During this investigation, the agency must notify the furnisher of the information and verify its accuracy.

If the information can not be verified or is found to be inaccurate, the credit reporting agency must promptly delete or correct it.

Obsolete Information ( 15 U.S.C. 1681c ( a ) ) : Negative accounts, such as late payments, charge-offs, or collections, must generally be removed from a credit report after seven years from the date of the first delinquency.

Bankruptcies must be removed after 10 years ( or 7 years for Chapter 13 bankruptcies in certain cases ).

Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : If a creditor or furnisher can not verify the disputed account, the credit reporting agency must remove the information.

Action Requested : I request that you : Investigate the disputed accounts listed below.

Provide verification of the accuracy of these accounts or remove them if they can not be verified.

Remove any accounts that are outdated or no longer meet reporting requirements under 15 U.S.C. 1681c ( a ).

Accounts in Question : [ List the account names, numbers, and any relevant details to help the credit company identify them. ] Failure to comply with the FCRA can result in legal action, including damages for noncompliance, as outlined in 15 U.S.C. 1681n ( civil liability for willful noncompliance ) and 15 U.S.C. 1681o ( civil liability for negligent noncompliance ).

Please confirm receipt of this request and provide a written response regarding the results of your investigation within the required 30-day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my right .

15 U.S.C 1681 section 602 A states I have the right to privacy..

15 U.S.C 1681 section 602 A Section2 : it also a Consumer reporting agency can not furnish a account without my written instructions..
Product: Bank account or service

I have a TCF bank account and with it I chose the option to have them cover any transactions that may put me into a negative balance and charge me an overdraft fee ( OPT-IN ). At the end of XX/XX/XXXX I used my XXXX that is attached to my checking account. The transaction went through at the store but days later was rejected for insufficient funds. I was charged an overdraft fee and a returned check fee. When I called XXXX times and asked why these were returned ( because I do have the OPT IN coverage ), they told me that XXXX does n't say they will cover all transactions. I asked what is the criteria for not covering and no one could tell me. The solution they came up with was to open a savings account and they could pull $ out of there to cover the insufficient funds in the checking account.
Product: Money transfer, virtual currency, or money service

While working with XXXX insurance to update my direct deposit account for XXXX reimbursement on XX/XX/XXXX, they mistakenly sent the reimbursement of XXXX $ in my name to the wrong USAA bank account. XXXX contacted USAA bank multiple times to reclaim the funds but USAA never replied to them. I contacted USAA multiple times, to complain about them allowing the transfer in my name to another 's account. I provided all documentation from XXXX, and USAA said they would do a ACH check. The next day they replied and said there was no problem with the transfer. I contacted XXXX and they again attempted to have their bank, XXXX XXXX USAA for the return of funds but USAA never replied to them. 

As of now I believe I've exhausted all options I have to receive my money, and I'm still wondering how USAA would allow a transfer into an account when my name was listed as the beneficiary.
Product: Credit reporting

Filed Chapter XXXX on XX/XX/XXXX and This information is still reporting negative payment history on my Credit Report. I would like each item TO BE REMOVED FROM MY CREDIT REPORT : XXXX XXXX : Partial # XXXX Addr. Id # XXXX : Still reporting negative 30 day late from XX/XX/XXXX XXXX XXXX Partial # XXXX XXXX. Id # XXXX is still reporting negative 150 day delinquent as of XX/XX/XXXX. 
XXXX : partial # XXXX XXXX NK XXXX XXXX XXXX is still reporting open collection from XX/XX/XXXX on XX/XX/XXXX 
XXXX : partial # XXXX Addr Id XXXX is still reporting negative late XX/XX/XXXX 
XXXX BANK XXXX XXXX : partial # XXXX Addr Id XXXX is still reporting XXXX late from XX/XX/XXXX to XX/XX/XXXX negative late XXXX/XXXX/15. 
XXXX is still reporting 180 days past due from XXXX to XXXX. 
XXXX XXXX CARD : Partial # XXXX Addr. Id XXXX is not mine. 
I have contacted each creditor as well as each credit reporting agencies and have not been abIe to get this resolved. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed 4 accounts that shows open with balances that have been paid now more than 60 days. The dispute came back as information is correct and will remain. It can not be correct if it is paid in full. I contacted all 4 accounts and they confirmed that I have no balance. How can Experian report that they checked? These are not on XXXX   or XXXX XXXX but Experian is not fixing it and it is impacting my credit score. It is over XXXX worth of incorrect debt. I am trying to refinance my mortgage. Please make Experian report things correctly. I tried the proper route of disputing the info first. I actually included a payoff letter from one of the companies.
Product: Vehicle loan or lease

I had a vehicle in my name that ended up being charged off with Santander. Santander sold my account to a collection agency XXXX. XXXX  contacted me to see if I would be willing to settle the account for {$2000.00}. I agreed and was advised that after the final payment was made that I would receive the title and that I would be able to have the charge off removed from my credit report. I paid the agreed amount and was sent the title, however, when I contacted XXXX  about when my credit report would be updated they advised me to contact Santander since Santander was the original account holder. I contacted Santander via phone and they told me submit a dispute to have it updated. A dispute was sent on XX/XX/2019 and no response has been received. As of right now my credit report still has the payment status listed as in collections/charge off
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$490.00} XXXX  XXXX Balance : {$3500.00} XXXX  XXXX Balance : {$5700.00} XXXX  XXXX Balance : {$5000.00} XXXX XXXX Balance : {$490.00} XXXX  XXXX Balance : {$490.00} XXXX  XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5800.00} XXXX  XXXX Balance : {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, mental anguish, and depression. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

XX/XX/2020 My information was sold and bought illegally because I was a victimof the XXXX data breach. I want these items deleted from my credit reports effective immediately. 

I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has wipe my credit clean of this wrong doing to my credit. I will attached that as well. 

I'm asking for a deletion of these illegal accounts from my credit reports from Experian and XXXX. 

As follower : XXXX XXXX  XXXX  - XXXX Balance {$9000.00} XXXX XXXX XXXX  - XXXX Balance {$2300.00} XXXX  XXXX - XXXX Balance {$700.00} XXXX  - XXXX Balance {$1400.00} XXXX XXXX  - XXXX Balance {$4600.00} XXXX  - XXXX Balance {$4000.00}
Product: Checking or savings account

On XX/XX/2022 I intended to make a cash deposit of {$3500.00} into my Chase checking account using the outside ATM. As I continued with my deposit I noticed an error with the machine when it counted the {$3500.00} as a {$1800.00} amount. I pressed the cancel button on the ATM thinking I would be returned the {$3500.00}. The machine returned {$2000.00} of my initial amount of {$3500.00} resulting in a missing cash amount of {$1400.00}. I contacted the branch of XXXX where the problem occurred and filed numerous claims to resolve this problem. Chase customer support was very rude and disregard my financial lost. I was told I would receive a credit to my account meanwhile the investigation takes place so that I wouldnt have issues with my finances. I never received the said credit. Its been over 2 months and Ive not received my money, I have fallen behind on my mortgage and bills.