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

My wife and I have shared bank accounts, my checking is strictly for my SS and bills. I've had that acct for over 35 years with no issues. Suddenly my checking acct is frozen. I call and find out it is because of a check our friends have written my wife, they are almost XXXX! So the next 2 weeks we were told that letters of check were mailed and that both parties should return with check. ( A CIRCUS REALLY ) This went on a few days, making our elderly, XXXX parents run back and forth to Wells Fargo Branches. All parties show up at wells fargo XXXX PA, after spending all day they are sent away with apology and an everything is ok. Then later that night we try and do banking and our accounts are frozen and any deposits ( MY SS ) have vanished! My mortgage, utilities, Social Security are all tied to that checking account and After Wells Fargo ran my family around like rats I decided to make an appt. to see why my acct was locked?!?! Only to be turned away because your employee said I scared him?!?! I am a XXXX XXXX XXXX adult male w/ XXXX children, and I am XXXX  XXXX. Why my checking account was attacked is beyond me and it has caused my family much pain and financial distress. For something that was not my fault why was a XXXX Wells Fargo Customer of 30+ years treated this way? My family is still dealing with their own account issues. The XXXX PA Wells Fargo Branch is a joke and needs to be shut down. There was zero reason for us to be treated the way we were, NONE. They also have bullies in the fraud dept who I believe were behind this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a XXXX XXXX card serviced by XXXX XXXX. I've had this card since XXXX and I do not use it very often. Early on when I enrolled with the XXXX XXXX, I set up an auto pay, just like I have done with my XXXX card, and every other credit card I've ever owned. 

After a period of about a year of not using the card, my wife applied a {$15.00} charge in XXXX of XXXX that I was not aware of. On XX/XX/XXXX of XXXX, while checking my credit report I noticed my score had dropped XXXX points. Further investigation revealed I was past due on my XXXX XXXX account. I checked emails, spam folder, and regular mail, I had received no notification that I had a balance or late fee. No statement, no past due notice, nothing. 

On XX/XX/XXXX, I called and spoke with a customer service rep named XXXX, who helped me pay off the card and reverse the late fee. I explained my situation and she stated XXXX performed a system update in XXXX of XXXX and many customers lost their autopay enrollment. For customers who use their card frequently, they likely caught this as soon as it happened. As infrequently as I use it, I did not. XXXX stated she would submit a request to reverse bad mark on my credit report. 

On XX/XX/XXXX and XXXX I received the same notice ( dated the XXXX ) stated XXXX would not reverse the mark on my credit reports, as it is accurate, my payment was late. That is correct, my payment was late, but that is not what I was disputing. My dispute is that XXXX 's payment system had a failure, which customers were not notified of, that resulted in a late payment. 

On XX/XX/XXXX I called back to XXXX and spoke with another customer service rep. Unfortunately I have misplaced my notes and do not have a name. However, this rep also confirmed what XXXX had said, and also stated that there was a system upgrade in XXXX resulting in issues with customer auto-payments. This representative stated they would submit a request to reverse the late payment report to the credit bureaus. 

On XX/XX/XXXX, I received another notice denying my request. 

Several months passed before I was able to circle back around to this issue, I had not used the card during this time period. I sent a personal letter ( attached ) further explaining the circumstance, in hopes it was misunderstood when the customer service reps submitted the last two requests. On XX/XX/XXXX I received another generic denial letter. 

I opened my first credit card account when I was XXXX and have never once had a missed payment reported to the three credit bureaus until this incident. This is the only missed payment on my nearly 18 year record, and it was due to a system failure at multiple levels, NOT because of negligence on my part.
Product: Debt collection

I was living in an apartment at XXXX XXXX and was forced to find a new place to live because of an overgrowth of mold. XXXX XXXX would not treat or remove the mold and it was affecting my health. XXXX XXXX reported a collection account on my credit report, so I hired an attorney and proceeded with litigation in XXXX of XXXX, resulting in a financial settlement of {$2500.00} from XXXX XXXX to myself. In addition, it was ordered to remove any collection account notifications from my credit report. It is now XXXX and the collection accounts are still reporting on my credit report. I have sent disputes to Nation Credit Systems, XXXX, XXXX  and XXXX  and included copies of my records from the settlement, including the owner and manager 's signatures. Since those disputes were submitted, instead of removing the accounts from my report ( as court ordered ) ; on XX/XX/XXXX the accounts were reported to be " verified '' with National Credit System and have been updated from an 'open ' status to a 'closed ' status. 
In addition, XXXX is now reporting the account TWICE with completely different balances, again reporting the information was " verified '' with National Credit System I have already gone through court for this account, I have sent the results of the settlement to National Credit Systems, XXXX, XXXX  and XXXX. They are court ordered to remove the accounts, but now they are damaging my credit even more? It has caused me to be denied by mortgage lenders and is preventing me from obtaining further credit, I really do not understand how or why they are not only refusing to abide by the lawsuit settlement, but now they are making it worse. It almost seems like it's intentional? I did not have any issue in pursuing litigation with XXXX XXXX  after they began to damage my credit, I will not hesitate to pursue litigation with National Credit Systems, XXXX, XXXX, and XXXX. I do not understand how National Credit Systems has " verified '' the information as the bureaus have reported? And now they are damaging my credit even more?
Product: Credit reporting or other personal consumer reports

To whom this may concern After reviewing my consumer reports, I discover some inaccurate reporting of late payments on an account for which Ive always maintained on time payments. Consumer reporting agencies play a huge role in accurately reporting consumer information. it is imperative that this information be reported with upmost accuracy. Ive never missed a payment on my XXXX XXXX bank. I requested through investigation into these descriptions and urge you to provide evidence such a statements demonstrating the lateness of these payments. if unable to furnish such proof, I demand these payment be properly updated as on time payment to reflect its true status is on time. I have consistently upheld my payment, obligations without delay. 

From late payments being inaccurate not the same with all three creditors to wrong information reporting.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXXXXXX XXXX XXXX, HAS VIOLATED MY RIGHTS./ 15 U.S.C 1681 SECTION 602 A. STATES | 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
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to EXPERIAN. In my credit report from XX/XX/year>, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to XXXX U.S.C XXXX Section XXXX and XXXX U.S.C. Section XXXX A Section XXXX, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

Diversified Consultants has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Diversified Consultants provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Diversified Consultants has failed to provide any original copies of verification obligating myself to this debt. Since Diversified Consultants has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies.
Product: Checking or savings account

On XX/XX/XXXX charges from XXXX XXXX  XXXX Texas were posted on my account. On XX/XX/XXXX is when I noticed I lost my debit card. I called Wells Fargo to let them know of the situation and they canceled the lost card. The morning of the XXXX I went and withdrew {$100.00} from an atm with the actual debit card and later that night I made another withdrawal of {$120.00} by way of digital wallet, because I noticed I didn't have my debit card anymore. So between both those atm withdrawals is when all the unauthorized charges at XXXX XXXX were made. Now with the new debit card I received to replace my lost one is now canceled completely for a year. I've called to find out why but they gave me no explanation on why I can't use my debit card.
Product: Checking or savings account

{$79.00} should have been subtracted from the {$300.00} XXXX XXXX hold on XX/XX/year> leaving me with {$220.00} back into my account from a pending transaction from XXXX XXXX in XXXX. I have the receipt showing that I am due that amount. I have spoken to Cash App several times via chat and phone channels and each time they have refused to provide the money back to me despite proof and receipts from XXXX being sent to them. I checked out of the hotel on XX/XX/year> and the hotel says they released the hood upon checkout. Cash App is using deceptive practices, avoidance techniques and trick their users into believing that it is the hotels fault and standard practice to make someones pending transaction remain in pending status until more than a month which is when they claim they will then investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My my credit has gone up over 90 points and from a XXXX to a XXXX and I still can't receive a loan I still have the same problems and also they're still the credit reporting agencies are still making it hard for me to get access to my credit file there's something going on with my credit file you have made all these loan companies essential hard for me to get a loan or any kind of assistance. One place says I have fair credit the other says it's poor
Product: Debt collection

Dear Midland Credit Management This letter is being sent to you in response to a listing on my Credit Report.

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00}
Product: Credit card

I am disputing the collection account with BANK OF AMERICA , N.A . account number XXXX dated XX/XX/year>, with a balance of {$0.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that BANK OF AMERICA, N.A, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2020 they email me stating my debit card was suspended. I call them an asked them why and all they state was PNC decided not to do business with me. I asked them when will I received the remain balance of the a direct deposited that was received in my account on XX/XX/2020. I have called them several times and no one can give me an answer on when I will get my money. I also went to a PNC branch where I spoke with a young man and he called the number that a XXXX XXXX gave me which is XXXX with a ref # XXXX and who ever this person spoke with told him. I would get my money sent over night by XXXX XXXX over night. So I called again on XX/XX/XXXX and nobody can give me any answers regarding my money. So I supposed to wait until they decided when they want to give me my money back and loss my place of living and be living on the street and/or not have lights in my home because they decided to close my account the same day my payroll check got deposited. I need help I really need my money to pay my bills. The bank is call PNC bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was paid in full for 'A pay to Delete ' collection XX/XX/23. As of yet they have fail to delete and instead have update my account as balance due 3 different times with 3 different balances. I have called them every month since XXXX to resolve the account. Ive also file a dispute XXXX 2023 with XXXX and Experian and both reported back as Dispute resolved by grantor! The information continues to be incorrect and with a new balance instead of a XXXX balance/deleted account as agreed. I turn to you CFPB now because at this point the only other help I can seek is with an attorney. This is an easy fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX, Balance {$15000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$57000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$1600.00} ), XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$1800.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$1000.00} ), XXXXXXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX, XXXX {$13000.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an inaccurate account on my credit report from XXXX XXXX XXXX. They are reporting absolute false info, by stating reporting that I had an installment account with them, even showing 36 on time payments thru XX/XX/XXXX, then defaulting to a charge off status after that. There has NEVER been an installment account with them. I even confirmed this by phone with XXXX XXXX  XXXX, and supposedly XXXX with XXXX documented such facts so that it would be reported when disputed. This account was an " overpayment '' of a Pell Grant given to me in XX/XX/XXXX when I was attending XXXX XXXX. Then billed me for overpayment of {$180.00} for 120 days, before turning it over XXXX XXXX XXXX to collect. I have disputed this on THREE separate occasions with both Experian and XXXX, demanding they do their job and investigate this false reporting, however, XXXX XXXX  XXXX continues to " verify information as correct, '' and the Credit Bureau continues to accept such false verification without the documentation I have requested validating the accuracy of the account. They have continuously violated the FCRA sections 611 and 623. I filed a complaint with CFPB on XX/XX/XXXX ( XXXX ) and complaint was closed advising me to deal with XXXX XXXX XXXX regarding issue. Clearly it wasn't noted that I had already made several attempts to do that, hence my seeking help from them for a resolution. Therefore, I have sent it to the CFPB Ombudsman for second review. I was advised to file separate complaints for each credit bureau.
Product: Credit card or prepaid card

I made a balance transfer on my Bank of America cash reward credit card earlier this year and the promotion rate will be expired in XX/XX/2020. I have been paying the minimum payment to fulfill the term and condition. However, I used this card for a purchase in XXXX and the credit company starts charging me interests in the past 2 months even though I learned their new purchase term and paid off the purchase. Now, this month, I still demand to pay interests for that purchase. 

I am totally frustrated by the way that the credit card company demand for interests on a new purchase. This is absolutely a rip-off.
Product: Debt collection

I am aware of this bill. No time or opportunity to validate the debt. Damaging my credit reports.
Product: Credit card

1. ) Despite repeated requests from me Capital One has been very devious about not sending a statement when I have a balance due. They send it regularly when I do not have a balance due, but somehow they either do n't send XXXX or it will be late when there IS a balance due. In short, it 's up to me to watch them carefully to make sure I do n't incur any late fees. 

2. ) The due dates for payments change from time to time with no clear explanation as to why when I call. 
3. ) When I 've paid off my card in the past they will frequently try to tack on an extra charge unless I call and complain or send an email. 

No, I can not offer any proof ( statements, etc. ), but I think the cfpb should be aware that Capital One is only playing by the rules when challenged. I do n't use my credit card very often and this is the reason why. Capital One is not, not, not trustworthy. 

Thank you. 

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

There is an unauthorized inquiry from informative research on XX/XX/XXXX on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a hard inquiry with XXXX XXXX XXXX appeared on my credit report. I did not inquire to increase my credit, nor did i inquire to open a new account. I have emailed XXXX asking them to resolve this issue but have not heard back yet.
Product: Credit card or prepaid card

I have been getting calls every day from a company claiming to be Citi bank. They leave a message from an automated recording saying that I need to log into citicards.com and check out the status of my account. The only card I have through citi is a best buy card, which I pay regularly and the status is normal. When I call this number back, they won't let me talk to anyone unless I enter the last 4 digits of my citi card. I'm not sure what else to do. They fill up my voicemail box in a week 's time and I can't talk to a real person to tell them to stop calling. The phone number is XXXX.