23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Ive had so many issues with this company reporting inaccurately to the credit berau they have had to go in and fix twice. I was on a hardship program with them that reduce my payment. I was not given any documentation stating I had to pay the entire loan off by the maturity date or else I would be marked delinquent. I have had several issues due to their website making payments because of inaccurate amounts. Their excuse is that is just our system it will be fine. This company is not upholding their word with their consumers. I spoke with an agent today and she explained this was a verbal agreement. I have never been 45 days past due with this company. I attached where my funds were available in the bank when they kicked payment out
Product: Credit card

To whom it may concern, This letter is to express my dissatisfaction with Wells Fargo 's credit card dispute practices and customer service. I don't check my Wells Fargo credit card account regularly. One day, I realized there was a charge totaling {$1600.00} from XXXX I called XXXX to report the charge which I didn't authorize for. They said they can not refund it even though it was a fraud charge. Then, I contacted to Wells Fargo on XX/XX/2023, to dispute the fraudulent charge. They credited the full amount 2-3 days after my call. Then, I saw bank adjustments charges of {$190.00} and {$360.00} on the XXXX of XXXX. I called the bank to ask about those charges. They said that XXXX  refunded the money, because of that, there are adjustments. In XXXX, when I log into my account to schedule payment for my credit card. I noticed that the total balance is quite high. I checked the activity and saw that there was a charge " bank adjustment '' totaling {$1000.00}. XXXX. I called three times to ask about for this charge. I was told that this was the rest of the XXXX XXXX charge they credited, so Wells Fargo is charging for the fraudulent activity in my account. I don't have any evidence or any supporting documentation for their decision. They didn't help me with the fraudulent charge, on top of of that they didn't even bothered to follow up with me. I was proactively following up with them, although no one could even answer my questions. XXXX of their customer respresentatives hang up on me. The other customer representative misinformed me, basically lied to me saying that XXXX is paying me back, and it is a pending transaction, that is the reason why I don't see it in the activity center. It has been a week since my last contact and I haven't seen an incoming fund so far. Wells Fargo unprofessionally mishandled my situation and failed to resolve the fraudulent charge. 
Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

It is TRANSUNION 's duty pursuant to the FCRA to report correct and accurate information on my credit report and file, and they are NOT. TRANSUNION is reporting 6 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment in XX/XX/XXXX, a 90 day late payment posted in XX/XX/XXXX, a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment in XX/XX/XXXX, and a 90  day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED, which is not reflected in my report as my credit score has suffered drastically. Furthermore, pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this whole issue, I did NOT give TRANSUNION written instruction or permission to furnish these inaccurate late payments on my consumer report or file, thereby violating 15 USC 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination as my report reflects something that is simple not true.
Product: Credit reporting or other personal consumer reports

Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RESIDENT VERIFY In accordance with the Fair Credit Reporting Act. The lists of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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.

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 crime 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: Vehicle loan or lease

I received a phone call from a local telephone number that had left a voicemail I called the number back with a document reference number. The lady who picked up the phone ran the information and claimed that I owed XXXX Soma dollars on a vehicle loan from XXXX The vehicle in question belongs to someone else and not me I advised them that I had never received anything whatsoever in the mail regarding this alleged situation.. I wanted to share a mailing address so that the debt could be verified and also offered my email address as they already have my phone number. I also wanted to inform them not to call any relatives which had also on this very day received a phone call threatening of them ... The lady advised me that I need to get a lawyer to handle this situation or be prepared to explain it to a judge. To which I answered please send me something in writing and here is my address and I also want to inform you that I do not want to receive any more phone calls to myself or a family members I was abruptly hung album ... I then called the telephone number back explain the situation to another representative explained myself exactly as I did to the 1st representative upon wanting to give my information and telephone numbers of family members contacted to be put on a do not contact list the gentleman responded to me that we will continue making telephone calls to you. I then advised him of what my address for mailing would be he did not want the information he then said he would send an email and told me to send the agreement back And start making payments. I advised him I need ed something sent to me via physical mail so I can know what this is specifically in reference to. Then there was a 22nd period Period of silence I again offered information to receive something in the mail as well as an email address he said he wanted none of that period I then replied to him by saying if you just said to sign and send you payments and that is all that he need ed from me I again offered him an email address and physical mailing address and then was hung up on ....
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything. 

You must remove the Fraud alter from my credit profile!!! 

You must remove the inquiry for XXXX XXXX XXXX XXXX from my credit report!!!!! 
XXXX card balance is not correct!!!! 
second XXXX card balance is not correct!!! 
XXXX NO MOUNTHY PAYMENT MUST BE DELETED XXXX NO HIGH BALANCE MUST BE DELETED XXXX NO EARNER PLAN MUST BE DELETED XXXX BALANCE IS INCORRECT!!!! 

MY ADDRESS NOT CORRECT MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the e-Oscar. XXXX You must update my credit score!!!!
Product: Debt collection

NOTICE YOU BROKE THE LAW To : XXXX XXXX XXXX XXXX, XXXX XXXX President On XX/XX/22 I, XXXX XXXX a consumer received a letter from XXXX BANK stating that they sold or has been used or transferred my personal information or shared my financial information with another corporation or entity without my written consent or authority. Pursuant to 15 USC 1681g ( XXXX ). I am a victim of Identity Theft caused by XXXX BANK Racketeering activities and unfair business practices and may be liable under Title XXXX crimes and criminal procedure. Pursuant to 15 USC 1681 ( a ) ( XXXX ) Congress made it clear that the banking system is dependent upon my consumer report being fair and accurate to me. Congress also made it clear pursuant to 15 USC 1681 ( a ) ( XXXX ) that consumer reporting agencies ( EQUIFAX ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You ( EQUIFAX ) allowing XXXX BANK to furnish inaccurate, unverified accounts along with selling or transferring my personal identification or financial information makes me the consumer, a high-risk Victim for Identity Theft. XXXX BANK actions have caused me to lose confidence in the banking system as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as a result. If you would like to do business with me, I am demanding that ALL XXXX accounts be removed or deleted from my consumer file and consumer report IMMEDIATELY or be subject to Civil and Criminal actions pursuant to Federal Laws. 
See EXHIBIT A, EXHIBIT B and EXHIBIT C for violations pursuant to Federal Law 15 USC 1681g ( XXXX ). 
Regards, XXXX XXXX Copy to : Federal Deposit Insurance Corporation ( FDIC.GOV Consumer Complaint Department XXXX Federal Trade Commission ( FTC.GOV Consumer Complaint Department )
Product: Credit reporting, credit repair services, or other personal consumer reports

It should be known that I have a account reporting only at TransUnion. Said account is from a collection agency/ Debt buyer. Named XXXX under account number XXXX with a high balance of XXXX. Said account was disputed with TransUnion and verified acaccurate/ correct. Numerous grounds were named in the dispute for deletion. It should be known that the following errors are on this report : 1. Account status shows this account as open on report. Account is a collection and been closed. This account is closed as the collection status on the report shows. Collection are not open accounts. 2. Incomplete report due to last payment date missing. 3. Incomplete report due to Date of last activity missing. 4. Incomplete report due to Account type missing. 5. Incomplete report due to Closed date missing. A copy of consumers smart credit 3 bureau report is included as evidence of errors.
Product: Credit card or prepaid card

I opened a XXXX XXXX card from Citizens Bank through an online promotion offering {$150.00} XXXX XXXX  after spending {$500.00}. I spent more than {$500.00} within the 3 month period. I never received the {$150.00}. I called the bank and they said that they have no record of the sign up offer applied to my application- which is a lie because I applied for the card through a link that included the bonus.
Product: Debt collection

In the beginning of 2019 I disputed a debt with Portfolio Recovery due to finalization of acknowledgement from XXXX XXXX themselves that the account was fraudulent. They stated they sent the request to the credit reporting agencies and it would be removed. This was pertaining to account ending in XXXX. It was then removed from the credit agencies. 

Now it is back reporting on my credit and I have to go through this process again of getting it removed. I've sent multiple communications to Porfolio Recovery as well as a copy of the evidence letter provided from XXXX XXXX each time that states that this account was fraudulent and will be removed off my report. This was dated XX/XX/2019 which was prior to the letter of them recovering the account from XXXX XXXX dated XX/XX/2019. 

I'm not sure why they were even ever able to recover the account. I have tried to communicate with them and provided the evidence for it to be removed but they are not responding to the evidence provided and I would like this removed off all my credit reports yet again. This is highly aggravating to have to go through this entire process again. How it was previously removed and now it's back is beyond me. I'm not sure what further information they need when I've provided what they requested which was a fraud affidavit they requested and the requested evidence from the Credit reporter themselves again that it was fraudulent. I'm not sure what else to do and it's very overwhelming.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised when I sent Bureaus Letter last XX/XX/XXXX, XXXX.Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong tome. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$13000.00} XXXX  XX/XX/2022 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX a XXXX account was opened in my name. This account was closed on or about XX/XX/XXXX. This account is fraud and identity theft. I did not open this account and I did not authorize any other party to open this account in my name. This account was reported on my credit reports on or about XXXX of XXXX six year later. I discovered this fraudulent account in my name after applying for a mortgage loan at which time it appeared as a charge off account. Upon attempting to get information on this account from XXXX as I was not able to open the account information through the credit bureaus as it was reported as a charge off, XXXX refused to give me any information as they could not verify my identity as per the information on account in comparison to my personal identifiers. I filed a dispute with XXXX and the XXXX and was contacted by a rep in the consumer relations department who advised that she had investigated the account and they determined that the account was valid and verified. The address on this account is reported as XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX. This address is one of the XXXX XXXX located in XXXX XXXX XXXX XXXX phone number ( XXXX ) XXXX. In as much as XXXX has alleged this account is mine and I am responsible for this I am not. Because XXXX did not want to take the time to investigate this account and the validity of this account I took on this task myself and did their job for them. On XX/XX/XXXX I reached out this XXXX location and spoke with and employee by the name of XXXX. XXXX advised me that they have no association or affiliation with XXXX and it was not possible that I could have had an account in my name at that location because I would not have been able to receive goods, services or bills there as I have no affiliation with this store. On XX/XX/XXXX I reached out again to the store and spoke with XXXX the store manager who also advised that they have no affiliation with XXXX. They do have mailboxes but there are no records of any such mailbox in my name from XXXX to present. This account fraudulent and one of identity theft and is damaging my credit and is in violation of the FCRA. XXXX has never taken the time to properly investigate this account to determine the validity of the account or verify the information to accurate. I have consulted with a consumer attorney and am in possession of a retainer agreement and have agreed to allow him to represent me and have this and other matters to the federal court at which time I will seek damages and an order to remove this account from my name and my credit reports. This is my last effort to have the account removed from my name by XXXX and my credit reports updated to reflect this removal or I will have no other alternative but to have this heard in the federal courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts on my report does not belong to me nor has anyone provided me, not the reporting agencies, but me any sort of physical documentation to support their claim and without doing so it is against the law for the credit reporting agencies to report such. I need to be notified first and given documentation of what's been made as an allegation towards me .The following accounts I'm respectfully requesting that they be removed, Account 1 - XXXX XXXX XXXX ( XX/XX/2018 ), XXXX XXXX ( XX/XX/2018, and XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 30 days ago, I requested a credit investigation. I have not received me results yet, but I should have.
Product: Credit reporting

Trans Union continues to list an account with State of Oregon Child Support in the amount of {$1200.00} on my credit report. That amount has been paid in full and the account stands at XXXX and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I filed a dispute with XXXX  concerning my MobiLoans account that is on my credit report. MobiLoans was involved in a class action lawsuit, along with several other lenders. As part of the class action lawsuit, MobiLoans was supposed to remove their information from consumers credit reports. XXXX  said they verified the information as accurate, which is impossible, because how can XXXX   verify this information as accurate, when a court order says it has to be removed. Either way two parties are at-fault here. Mobiloans is at-fault for not removing the information, and XXXX is at-fault for verifying something as accurate when it isn't.
Product: Credit card or prepaid card

Description of Complaint : This is about a lightly used credit card. I accepted an offer on XX/XX/2020 to transfer {$5700.00} in balances from other credit cards to my wells fargo card ( and pay a {$230.00} fee for doing so ) in exchange for no interest for a year or so. On XX/XX/XXXX, I made a {$3700.00} payment ( no purchases in the mean time ) because we were purchasing a house and I was advised that making this payment would significantly reduce the interest rate on my new home loan. My remaining balance was {$2200.00} with minimum required monthly payment of {$25.00}, which was set up on auto pay from my bank account. I was not aware of the interest charge because the account is set up on auto bill and I was not using the account. Later this summer, my wife inadvertently charged our lawn mowing service to this card. l immediately contacted Wells Fargo to determine the amount of payment I needed to make to continue to avoid interest and they could not tell me. It was then that I discovered they had been charging me interest since I made the large payment in XXXX!!!! I have made payments and they continue to charge me interest. Called several times, keep getting put on hold and hung up on. No one can even tell me why this has happened.
Product: Credit reporting or other personal consumer reports

The following accounts listed above and in this paragraph : In accordance with Fair Credit Reporting Act, Original creditor : All. Accounts with different balances. # XXXX, 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed. 

Please let it be known the other credit bureaus have removed these items due to inaccuracies and failure to provide evidence. 
All late payments are illegal. 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed. 

Please be advised I have filed a complaint with the CFPB regarding these inaccuracies complaint # 1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is, the actual accounting. 
3. 
4. Verification of signed Invoice. 
5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
6. Please provide the original docurse and wet signature if you cant provide these items Delete them. 

Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections. 

Attatched below is a copy of my credit letter and all the accounts that are reporting inaccurate a i demand these accounts be updated as XXXX XXXX as agreed or inaccuracies deleted,.