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

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have federal student loans that were from XXXX  and their under a lawsuit. There's a settlement with them and I need more information on when I will be compensated from this.
Product: Credit card or prepaid card

On XX/XX/XXXX, I picked up a package from my local XXXX which was supposed to contain 4 items. When I got home and opened the package, it only contained one package. I contacted the company ( XXXX  ) that day via social media and was directed to email them, which I did, also that night. The responses provided were rude, and unhelpful to my situation as they provided me no path forward. I had requested either a refund for the items not sent or that they provide me with those items. 

On XX/XX/XXXX I filed a dispute via phone with US Bank for the 3 items I did not receive totaling approximately {$200.00} ( I gave the exact amount over the phone but don't have it on me anymore ). I was told they would work with the company and get back to me. The following week, I received a letter dated XX/XX/XXXX which stated " No further action is required from you at this time. '' On or about XX/XX/XXXX, I received a letter from US Bank dated XX/XX/XXXX stating that I had not provided the required additional information to proceed with the dispute, and they were cancelling the dispute. On XX/XX/XXXX, I called US Bank and spoke to " XXXX '' to understand why the dispute had been resolved when I had been told no further information was necessary. He stated that a letter had been sent which hadn't been responded to, but that he could re-open the case. He also mentioned that the original person to log my dispute did not categorize/track it very appropriately. I did not realize he failed to credit back the disputed amount, which caused my auto-payment to pay the full balance, including the disputed amount on XX/XX/XXXX. 

On or about XX/XX/XXXX, I received a letter from US Bank dated XX/XX/XXXX and signed by a XXXX XXXX It stated that they could not " support your claim of returning merchandise to the merchant ''. My claim had nothing to do with returning merchandise to the merchant. I have tried to call the direct number listed for XXXX XXXX on at least 3 separate occassions since receiving the letter, and they have all gone straight to voicemail with an outdated message about being OOTO in XXXX. 

On XX/XX/XXXX, I received a letter from US Bank dated XX/XX/XXXX requesting additional information to process my dispute with a deadline to provide that information of XX/XX/XXXX. Even under ideal circumstances ( when the USPS isn't backed up due to holiday volumes and COVID delays ), a two week turnaround would be extremely tight and no other contact was made to let me know this request was coming. Obviously in this situation, I didn't even receive the letter for over a month, which was well past their self-imposed deadline.
Product: Credit reporting or other personal consumer reports

The loan monthly payment amounts was {$0.00} for 120 months. But says i owe a balance on all student loans from XXXX  Which would be inaccurate if i was told my monthly payment would be {$0.00}.
Product: Checking or savings account

First of all I will admit I overdrew my checking account because of an emergency XX/XX/2018. It was my payday and that morning I withdrew XXXX dollars from the atm on the corner of XXXX XXXX   and XXXX XXXX XXXX in XXXX  ohio. I had to automatic payents for XXXX and XXXX dollars and than I made a purchase at XXXX  and for XXXX dollars and a purchase of XXXX at XXXX XXXX. this was all done before XXXX XXXX. Later on that day I made a purchase for XXXX at XXXX  due to an emergency which I admit overdrew my account by about XXXX. The emergency XXXX purchase was the last time I used my account. I checked my account the morning of XXXX  XX/XX/2018 and I had four overdraft charges and the XXXX dollar transaction was still pending. I immediately called pnc to file a complaint about this. On XX/XX/2018 the transaction for XXXX that caused the XXXX overdraft cleared and I was charged another overdraft fee. So one XXXX dollar overdraft has now cost me five XXXX dollar overdraft fees totaling XXXX dollars and one continuous overdraft fee of XXXX dollars for a total of XXXX   dollars in fees and counting. On XXXX XX/XX/2018 I received a call from XXXX XXXX which I missed who is from pnc 's fee escalation center, yes they have a special department to deal with their escessive fees. I called the number and was connected to mr.XXXX XXXX and when I asked for XXXX  he said she was not available and he would be able to assist me. I explained the problem to him and he informed me the the fees where charged correctly and what had happened is that they had spread the overdraft out over FOUR TRANSACTIONS TO COVER IT. I said that is not how banking works in this country and informed him that I would be filing a complaint with the cfpb.
Product: Money transfer, virtual currency, or money service

My business account number XXXX with Wise was closed unexpectedly on XXXX of 2023 while a payment from XXXX was being transferred to it. 

The funds already left my XXXX account however I'm not able to access my Wise account to confirm I received them since it was closed. 

I also didn't receive any reply from Wise support when contacting them regarding my final balance and when/how I would be able to withdraw it. 

The amount is about {$6500.00}. 

Attached is a copy of my Wise bank account and the transaction confirmation from XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TEXAS XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Credit Report Information Dear XXXX XXXX I am writing to request an immediate update to my Equifax credit report. I have noticed that while my XXXX and XXXX credit reports are showing my complete and accurate credit information, my Equifax report is missing several critical pieces of data. 

To assist you in verifying my identity and updating my credit report, I have enclosed copies of the following documents : 1. My Social Security card 2. My driver 's license 3. Proof of address ( utility bill/bank statement, etc. ) It is essential that my Equifax credit report accurately reflects my credit history, as discrepancies can adversely affect my credit score and financial standing. I kindly ask that you review my file and update it as soon as possible to ensure consistency across all major credit reporting agencies. 

Please confirm receipt of this letter and the enclosed documents and inform me of the actions taken to correct my credit report. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this deb
Product: Credit reporting or other personal consumer reports

This is in addition to my previous complaints. I have requested for one of my accounts to be closed because of identity theft. The account got compromised and I request for the credit bureaus to delete it from my credit report. The bank already closed it, I just need your help to remove it totally from my credit profile. I have attached the proof and letter that I received from XXXX themselves regarding this. That account is fraud and was used by the thieves. Please delete this fraud account : XXXX - XXXX - XX/XX/XXXX. Along with the remaining fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached here my FTC reports, IDs, and proof of address.
Product: Credit card or prepaid card

XXXX department stores credit card XX/XX/2014 {$230.00}
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 am filing this complaint to address inaccuracies and violations in the reporting of several accounts on my credit reports by various creditors and credit bureaus. The following accounts are being reported incorrectly, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Account 1 : XXXX XXXX XXXX Violations : XXXX XXXX XXXX continues to report a derogatory account on my Experian and XXXX credit reports, despite the fact that XXXX has deleted this charge-off. The creditors have failed to ensure the accuracy of their reporting as required by the FCRA ( 15 U.S.C. 1681 ). Experian and XXXX are actually non compliant and are being negligent by not following suit violating 15 USC 1681N Civil liability for willful noncompliance The account was not properly validated, and I was not provided any notice or opportunity to dispute the account before it was placed on my report, violating 12 CFR 1006.34 ( b ) ( 5 ), ( c ) ( 4 ) ( i ), and ( d ). 
Resolution Requested : I request that Experian and XXXX immediately delete this inaccurate information from my credit reports to ensure compliance with federal regulations. 


Account 2 : XXXX XXXX ( Original Creditor XXXX XXXX ) Violations : The debt collector XXXX XXXX has reported a collection account on all three of my credit reports without ever providing validation of the debt or the required notice, in violation of 12 CFR 1006.34. 
The account was placed without giving me the opportunity to dispute it and is therefore misrepresenting my creditworthiness, violating my rights under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ).

Resolution Requested : I request that the credit bureaus remove the collection account due to its inaccurate and unverified nature. 


Account 3 : XXXX XXXX Violations : The account number associated with this XXXX XXXX credit card is being inaccurately reported. This inconsistency breaches the requirement for accurate information under the FCRA, 15 U.S.C. 1681. 
XXXX XXXX has not clarified nor provided adequate validation. The conflicting details of the account number and reporting raise concerns about the legitimacy of this account. 
Resolution Requested : I request the immediate deletion of the reported account and that the incorrect XXXX XXXX account be removed from my credit reports.
Product: Debt collection

Time Finance is a predatory company, who call you and threatens to reposes and take you to small claims court to get you and get people to pay them money you dont owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have a closed mortgage on my credit report. Its reporting late. I was never late the company said that It will remain late because its closed. I told them my mortgage was automatacly been deducted. I reaally need my credit showing postive. With all the goodness in your heart. I XXXX  both of my XXXX  in a truck accident. I XXXX  XXXX  for a living. I really need these lates removed I dont understand. Please godbless you and your family
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXt # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

I am a victim of Identity Theft. I filed a police report and submitted an identity theft affidavit and the other required documents. Transunion was slow in getting back to me and when they did they left XXXX bankruptcies on my credit report. I contacted the bankruptcy office and they sent me a letter stating that they do not report to credit bureaus and asked me to send the letters to all three bureaus. The other bureaus removed the information. However, Transunion reps were very rude and uncooperative. They lied at first and said that they had not received the letters from the bankruptcy office. Then they put me on hold for a very long time. They are very rude and unprofessional. Please help as they are clearly violating FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the item below. I am requesting it be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX/XXXX XXXX XXXX XXXX not mine
Product: Credit card or prepaid card

A merchant I used to make an online hotel booking advertised that the booking could be cancelled for free throughout the online booking process and on my receipt. However, this company did not disclose a 38 % service fee until after charging my Capital One credit card. I immediately cancelled the reservation after seeing this service fee on the receipt. 

The merchant refused to refund my money when I contacted them. At that point, I contacted Capital One to dispute the charge. Capital One notified the merchant of the dispute. The merchant replied with documentation that was not shared with me. All I received was the attached " Capital One-Letter 2 '' from Capital One requesting documentation backing my dispute. I provided the attached " Dispute Letter '' which includes a receipt and cancellation confirmation, both of which clearly state " Free Cancellation '' in bold orange type at the bottom of page XXXX of each respective document. 

Within hours of me providing this documentation, Capital One provided attached " Capital One-Letter 3, '' stating I did not provide them with the requested information and that were closing the dispute and applying the charge to my account. 

Upon receiving this final letter from Capital One, I called the company directly asking for further explanation and/or opportunity to provide additional information. They still denied the dispute without providing any documentation to back the claims of the merchant.
Product: Checking or savings account

Friday XX/XX/XXXX, I went into A 5/3 Branch inXXXX XXXX, XXXX, OH and attempted to get a chashiers check to refund a vehicle purchase that didnt go through to a customer. While waiting for this transaction to happen for 30-40 mins I was approched by security, 2 different staff members and then the manager. The manager gave me the 5th degree and then issued the cashiers check to me. After the cashiers check was given the Assistant Vice President XXXX XXXX XXXX called the fraud department and froze my account. I have called and left messages and no one had responded to me messages. It has been 12 days, no one sigle communication. They have frozen my business account and I am having a difficult time making payroll. I need this resolved immediately.
Product: Checking or savings account

On XX/XX/2023 I checked my Wells Fargo checking account to view my direct deposit from My job. I noticed my balance dropped extremely low, I then check my statement and see 15 charges from XXXX  that I did not make including one deposit credit of {$1000.00} that I did not make. I immediately called Wells Fargo customer service to report this and They replaced my debit card and started a claim. They advised me there will be an update within XXXX business days. Following the call, I filed a police report with my local Pd. Coming close to the XXXX business day, I miss a call from a number which is Wells Fargos claim department due to my workplace not allowing me to be on personal phones. The voicemail states that a Wells Fargo claims XXXX has a few questions for me regarding my claim and to call back this number. I call back as soon as I can and was advised that I cant connect to the case XXXX as they are in the backend team. I explained they called me at work and then I was asked to provide a time frame I can answer the phone for their call back. I gave the time frame and it was noted by the representative. The next day I was called at the same time at work, and I wasnt able to pickup the phone again. This time the voicemail stated that the claim has been decided and to call back this number. I call once again and was advised that I cant connect to the XXXX as she requested me to, and this time they asked if I have a work number I can answer the phone for the call back. I gave my work number. This is XX/XX/2023. The supervisor who noted my work number said they will call me within XXXX hours. It is now XX/XX/2023 and I didnt get any call back .i call the claims department once again and was finally given information regarding my claim. They told me that the claim was denied since Wells Fargo cant confirm fraud occurred. They advised me to file a police report, which I did weeks prior, and to contact the merchant. The issue is I did contact the merchant the same night I called Wells Fargo to report these charges. They advised me that the charges I am describing to them do not appear on my XXXX ID. Thats it, no more information at all. My wells Fargo debit card was never attached to my apple wallet before, I never used Wells Fargo on apple pay either. My XXXX XXXX account shows no transactions, and the only cards I ever had attached to my apple wallet was my capital XXXX credit card and my XXXX XXXX XXXX credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent ( 2 ) Certified Letters to them requesting validation and verification of the ( 2 ) debts associated with this account. On all accounts with them, I was fully insured and my insurance information was given to them, yet they failed to file it on date of service XX/XX/15 and Ive received no correspondence/bill from them period on any of the accounts they claim they have against me and have reported to credit bureaus. After speaking with them today, there are allegedly two other dates of service that havent been turned over to collection that Ive never received a bill for. It isnt my fault they didnt file an insurance claim for the XX/XX/2015 date of service when I was fully insured with XXXX of AR and I shouldnt be responsible for the amount they are claiming I owe. Nor have I ever received a bill from them regarding ANY charges they claim are my responsibility.
Product: Debt collection

Amsher collections tried to charge my bank account on XX/XX/2020 for {$250.00} without any of my permissions. I can not believe this company would try such an action. Im filing this complaint so no more action is taken upon by this company to me and that this is taken care of as soon as possible as I will file a complaint and sue this company!
Product: Credit card

I obtained a " credit card '' to pay for tutoring services through Comenity Capital Bank. I received the first billing statement after the first due date for payment. When I attempted to create a new account in order to make payments, I was unable to actually set up an account because it required the full account number. I called the helpline and requested that the credit card be sent to me and was informed that it was a " cardless credit account. '' When I asked how I was supposed to obtain the full credit card number, they explained that the full number was printed at the bottom of my statement. I then went to their website to again try and set up an account and the website said I needed to call back in to validate my account. When I called back, they said they could only validate my account with my cell phone number and email address. I provided my cell phone and said that I did NOT consent to autodialer or text messages. I was not able to actually verify my account unless I agreed. To make matters worse, I was told that I would not be able to set an account for ten days, making my payment even later than it already was due to the very tardy statement. My only option was to make a phone payment for which they charge a fee. Otherwise, I could make a very late payment, which would result in both losing the interest-free option provided when I obtained the credit and having a delinquency reported on my credit report. 

Finally, while their recording and statements indicate that you will be charged a fee if paying over the phone, when my husband made a phone payment, they never actually informed him that they were charging him a fee. 

I am concerned by a number of issues here, most predominantly of which is the fact that they appear to design their repayment process in a way that will either generate a fee to make a phone payment or to cause late payments, resulting in a late payment fee and loss of the interest-free option on their cardless credit card. This violates more regulations than I care to state at this point.
Product: Payday loan

I have had a debt consolidation company issue a Cease & Desist and the Lender keeps calling my place of business.