23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good afternoon, I have made several attempts to get validity of the accounts from Wakefield & Associates. They have 3 accounts listed on my credit and when I disputed this on several occasions they would never provide me proof of the debt. As I stated to them I have never signed an agreement with them and to please provide me proof of an agreement. I have issues because they were initially charging me interest on a debt that they would not validate. Finally the other week they decreased the interest off of the debt, but to no avail they have not sent me anything to validate this agreement I supposed to have with them. I am asking that they send me copies of agreements signed by me or delete this off my credit. They are causing my credit score to decrease everytime they add interest on this debt in which can not be verified. Please help me with having this company send me contracts in which I signed otherwise I want this removed from my credit and to cease from adding interest on a charge that has not been validated. How can you charge interest on an account that you can't validate and then send a message back saying you are reporting according to the FCRA guidelines. I have rights as a consumer and I am asking for documented proof of this debt and a signed agreement in which Wakefield & Associates and I have ever had an agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to following accounts on my credit report. 

1. XXXX XXXX 2. XXXX XXXX XXXX I disputed the validity of these accounts and asked for actual physical documentation concerning these accounts or have removed from credit reports since unable to verify. I waited more than 30 days which per FCRA law, that is the time frame needed by a credit reporting agency to conduct a reasonable investigation. After such time, if unverified, disputed accounts must be removed from consumers credit report. Not only did these accounts remain as accurate, but I also received no documented proof such as : Signed contractual agreement HIPPA signed authorization form If this account was truly verified, then please send me the following ; entire process and policies implemented to ensure only accurate information is reported on my credit report. 

Who conducted such investigation and what documentation was received. 

Verification method used to verify these accounts Statement explaining why my request to receive valid proof and all documentation pertain to this account was ignored.
Product: Money transfer, virtual currency, or money service

I am trying to link my account with XXXX and you are locking them out. I do NOT like being told what I can and can not do with MY money. If you do not correct this soon I will take MY money to another bank.
Product: Credit card or prepaid card

A military star credit card was opened in my name and I suspect it was my estranged father who I have had little connection with the last few years. I submitted and Ide tu theft affidavit to Military Star but after investigation they refused to removed the account from my credit report as they deemed it was familiar fraud. This has been an ongoing dispute process for months. Ive been using XXXX XXXX to handle it. Recently I was in home loan process on this account is interfering with my qualification for a loan on a house because of the late payments on the file. Ive been trying to get it remember for months. I requested statements be sent to my home of record, which Ive yet to receive, so that I can file a police report on this but they have not sent me any statements or proof of statements.
Product: Mortgage

my wife became very ill and was diagnosed with XXXX  XXXX and I have had to be her XXXX Due to the increased medical expenses with the treatments and medication, I have had to use the majority of income that I get and unfortunately her condition has not gotten any better. I have asked my mortgage company for the assistance that I all they tell me is to fill out there application which I have done many times and each time they tell me I am denied. All I want is to save my home and take care of my wife please I ask for assistance in this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my credit report from all 3 bureaus and I was able to get it from two, XXXX and XXXX, but Equifax wasn't table to send it because they say they don't have a record on me on file, even though the other two bureaus have all the correct information.

I've been living in the US for 18 months, have a work visa ( XXXX ) and a social security number as well, have credit cards and other credit lines with no problems.

Equifax sent me a letter stating that they don't have a file on my name and they even misspelled my name in the letter they sent, totally unacceptable and worrisome. My name is XXXX XXXX XXXX, not how they spelled it.
Product: Checking or savings account

On XX/XX/XXXX, my XXXX  XXXX Personal CD matured ( XXXX ), for {$260000.00}, & I contacted Discover Bank, to acquire a higher rate CD ( at 1.75 % ). Discover took all my information, saying it would require 5-7 days to open the CD ; the CD number was to be XXXXThe amount was to be {$250000.00} or more. I said OK. 
After 2 calls to XXXX  to request the transfer ( via ACH ), XXXX said they only transfer CD monies to a savings or ck account -- not to a CD! So I had to have Discover Bank set up a savings account & XXXX would make two test deposits to prove it was my account where the money was going. So we went through that crazy procedure & it went OK. On XX/XX/XXXX I asked XXXX why the CD & was money not transferred, & they said " Discover had frozen my savings account ''. So it could not be used. I called Discover & they said : 1 ) I should never have opened a savings account, only a CD ; 2 ) I would need pay a {$30.00} wire transfer fee for the funds. But every step of the way with Discover someone was trying to mis-lead me. Their telephone reps would say something & when I questioned it, they would backtrack & change it. They did claim the account was never froze. On XX/XX/XXXX, I learned the money was transferred to Discover & into my savings account. In speaking with the rep, I decided to open the CD with {$250000.00} & receive the rest in a check to me. The rep worked to open the CD and when I asked her to confirm the 1.75 % 12 month rate I was promised ( on XX/XX/XXXX, for at least 4 weeks ), she at first said it was only 1.5 %. I questioned this & asked for a Supervisor. She spoke to him & then told me the 1.5 % was only for On-line opened accounts but I was a call-in & would get the 1.75 %, per her Supervisor. Yesterday, XX/XX/XXXX, I received the Discover confirming letter for my CD opening ( acct XXXX ) -- at 1.5 % Typical Discover, telling you one thing, & then doing another. Right up to the edge of fraud. But labeling it always that the telephone rep was confused. 
On the one hand, XXXX was guilty of deception -- -that I needed a savings acct & proof it was me holding it. On the other, Discover was working to mis-lead me with every telephone rep comment. And the .25 % interest rate they denied me equals $ XXXX/year. Just year 1. As an honest consumer, I need Consumer Protection to exercise some authority with Discover Bank -- and secure the 1.75 % I was promised. I also filed a complaint with the FDIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax confirmation number # XXXX I requested a investigation into 2 items on my credit report. 
They are the following items XXXX XXXX XXXX XXXX XXXX Equifax dispute results were these two items no longer reporting them on my credit file.

This is false or they reinserted them without notifying me because I just pulled my credit report as of today and they are still reporting them.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CARD ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a collection account was placed on my credit report from CCS Collections and it says the original creditor was XXXX insurance. I have never had any products with XXXX nor have I ever seen or heard of this debt. My report states the collection was assigned to the agency on XX/XX/XXXX, yet it just popped up on my XXXX  credit report on XX/XX/XXXX and Ive never received correspondence regarding the debt. I spoke with an agent from XXXX insurance on XX/XX/XXXX and gave her my social security number as well as many other personal identifiers to see if she was able to find any accounts, open or closed, under my name. Nothing was found as Ive never been a customer with them. I then spoke with the collection agency directly on XX/XX/XXXX and the representative on the phone wasnt able to pull up an account in their system with my name, address, or social. Both the collection agency and original creditor say they have no record of me in their systems, yet I have this collection shown on my report. I attempted to reach out to XXXX and they have not been helpful with this. Another thing to mention is under remarks this account states consumer disputes. Reinvestigation in progress. While I do dispute the validity of this account, I have never formally put in a dispute so I dont understand where any of the information theyre reporting is coming from.
Product: Credit card or prepaid card

Sometime in  XXXX , we were very surprised to receive a VISA credit card fr om Wells Fargo in  the mail. We did not request the card, nor did we want it. I kept the cards that were sent, but did n't know what to do about it.     Then  XXXX   XXXX ,  XXXX , we received a letter saying t hat Wells Fargo  was discontinuing t he VISA and Cash  Advance features, and that we would receive replacement cards. These non-VISA cards arrived, and I saved them as well.     As background, we signed up for  the Wells Fargo Financial National Bank Automatic Payment ser vice  XXXX   XXXX ,  XXXX  for {$6800.00}, to purchase a heating and air conditioning unit from  XXXX   XXXX    XXXX   XXXX  . At this time, they sent VISA cards which we did not request, but I ignored them and filed them away.      Wells Fargo  was helpful in resolving a disputed charge with this vendor. This account was paid in full ( I believe in 3 year s ), and we did NOT have any further contact with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report a few weeks ago and I noticed I have accounts on my credit report that doesn't belong to me or I never authorized. I notified my aunt whom is a lawyer and she instructed me to follow these steps by filing a complaint. So far no action was taken by the companies as of yet.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX TRANSUNION XXXX IS IN VIOLATION OF REPORTING INCOME ON MY CREDIT REPORT ( S ) The charge off is considered a certificate of indebtness, and that is considered income. ' And as a collection agency, the certificate of in-debtness has turned that account into one that is reporting income. 
Income can not be reported to a credit report.

Income can not be reported to my credit report.

Please delete immediately.

This is against the law according to IRS PUBLICATION 4681 : Publication 4681 ( 2023 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

I sent a letter out to Equifax on XX/XX/XXXX, XXXX to Dispute incorrect information reporting on my credit report Along with an Identity Theft report from the XXXX Trade Commission. The incorrect information that needed to be Deleted is XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXXXXXX. However, the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rule of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know whom they talked to validate this accuracy and what documents were furnished to complete this investigation. 

Please also provide me with handwritten signatures which were used to obtain such items.
Product: Debt collection

This debt was paid through payroll deduction from my job and they are telling me they didnt receive the full amount which is a or My credit report is saying I owe XXXX dollars and when I call XXXX XXXX they say I owe over 600 dollars but the balance has been paid in full.
Product: Credit card or prepaid card

Last XXXX I disputed two charges to my Citi Double Cash card, as the merchant did not provide the requested service and charged my card by using card information from an earlier purchase. I did not authorize the merchant to keep my card info on file, nor did I authorize the two charges.

Citicards response was that the merchant refused to refund the charges, so I should find another way to get my money back. Since Citicard did not respond to my argument that these were fraudulent charges that no one can expect to be refunded by the merchant voluntarily, on XX/XX/XXXX I sent a certified letter to Citicard explaining again that not providing the requested service, keeping my credit card information on file, and charging my card without my knowledge is a fraud. I also provided proof for my claim. There was, however, no response. 
After several follow up calls, on XX/XX/XXXX XXXX wrote again that the merchant is not willing to issue credit to your account. It also wrote on XX/XX/XXXX : We have no additional options to pursue this dispute since the time frame in which to resolve a dispute has passed. Since Citicard never responded to my claims, on XX/XX/XXXX I wrote a certified letter again, this time to the Head of Citicard, XXXX XXXX. She did not respond. Instead, Citicard posted the same online message again that the merchant is not cooperating, so it closed the case.

I understand that Citicard can not be involved in quality, scope of work, and time disputes, but it has an obligation to protect their customers against fraud. Please help, as for almost a year I have been asking Citicard for fraud protection in vain.

Thanks!
Product: Consumer Loan

I financed with ally in XX/XX/XXXX and paid of my car in XX/XX/XXXX. I have another friend who is white and has bad credit history then mine was offered less interest and lesser payments while I payed them like XXXX on interest just in XXXX months. That is ridicules. Also they gave me an interest percentage of XXXX percent on that car. After all this overcharge I refinanced with them again and due to some financial hardship I was unable to pay my installemnt XXXX month and they have this program that allows you to extend payments due to anykind of hardship if you have paid XXXX payments on time. I have paid them XXXX payments on time and should have qualified for that but they refused me probably because I am XXXX. I am very upset. They overcharged me on my first car and now they are treating me differently just because from where I am
Product: Checking or savings account

The ATM transaction took place XX/XX/XXXX at XXXX XXXX XXXX. I used one of the many XXXX XXXX ATMs. I tried to withdraw {$1500.00} and my transaction was denied by my bank ( Chase Bank ) multiple times. The ATM declined the withdraw, but I never received a receipt. I followed up with my bank because my account showed {$1600.00} ( XXXX + XXXX fee ) was withdrawn from my account. The bank advised me to contact the casino. The casino told me to reach out to the ATM company ( XXXX XXXX ) since XXXX owned the machines. A claim was filed on XX/XX/XXXX with both Chase and XXXX for the failed transaction. XXXX confirmed that there was an error with their ATM and that it mistakenly took {$1600.00} from my account even though the transaction was denied by my bank ( Chase ). I have talked to multiple reps from XXXX and Chase in order to get my money back. Both Chase and XXXX have been giving me the run around for over 4 months now, deflecting the blame on the other party. All they have to do is communicate with each other to reverse the transaction and return my funds. I have been on countless conference calls with both and neither company can do what has been requested. Never in my life have I experienced a situation like this. An ATM company and bank holding my funds hostage after a denied/invalid transaction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To whom it may concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly.

Who in your company verified these accounts?

How did they verify them?

Please provide me with the name of the individual, business address and telephone number of the person or business con
tacted during your reinvestigation.

Include the documentation that was used to verify the dispute.

You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Verification XXXXXXXX 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 * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

IN WITNESS WHEREOF, the said XXXX  has signed and sealed these presents the day and year first above written. 

Delivered in the presence of : XXXX XXXX
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Company attempts to collect a debt that is not owed or verified by consentor
Product: Checking or savings account

was scammed by a breeder who asked me to pay by XXXX and did a bait and switch with her contract I never signed. My attorney wrote a demand letter and Ive submitted two claims to Wells Fargo their executive team has declined. Ive asked in both instances for Wells Fargo to allow me to submit documentation and they failed to do so siding with the breeder. Im holding Wells Fargo complicit to the breeders crimes and filing a complaint. I want my money back as I dont want to have to escalate this to an attorney! 

I do not accept Wells Fargos response and will file complaints against them with ic3.gov among other federal agencies if my money is not returned. They have failed to read my attorneys letter and act proactively and will now be seeking legal counsel if my money is not returned.