23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

i have tried multiple times to close XXXX out of XXXX WELLS FARGO checking accts, and they keep resisting/creating obstacles, refusing, saying there is a 'hold ' on my acct, forcing me to see the supervisor, etc. etc. 
i need help badly. 
wells fargo is doing this on purpose to get more bank fees from me. 
i have e-mailed them, called them, and visited them in person, to no avail.
Product: Credit card or prepaid card

XXXX a charge was made on my carnival Barclay card from XXXX XXXX for {$1100.00}. This was for XXXX XXXX luggage. I received a box and didnt open the box because from what I was supposed to get was luggage double the size of the box. I emailed the company XXXX asking for an address to return the package. Im the email I got it was missing a zip code. I emailed for months trying to get this information and no one would reply to I just returned the package to shipper then notified the guy. I then got a response but it was too late. I called XXXX to find out if they still had the package so I could change the address since the return to shipper address was different but XXXX said since I refused the package I could no longer receive the package back or make any changes since I was not the shipper. I emailed XXXX letting him know & I forwarded the email I received from XXXX. He still said I needed to retrieve the package even after the email said since I refused the package the shipper would have to notify XXXX. I then disputed the charge with Barclay which was my credit card company. I said I am not paying for something I didnt receive. Barclay said they would investigate. I then got a letter XXXX stating I am responsible to pay the charge since the return happened outside of the return date. Which was not my fault that the shipper didnt get back in touch with me with his zip code. I then stopped paying my credit card. XXXX they tried getting in touch with me through email to make a payment plan. I replied as long as they will removed that charge I will pay & I want in writing that they will remove that charge & remove I was delinquent in my payments. They said they couldnt do that so I said Im not paying since either way it will affect my credit. Now I am trying to get a government job and they ran my financial background and I didnt get the job because of this. I tried working with Barclay but they didnt want to do anything for me. How can I pay them if I cant work.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX - XXXX Violations Identified : Payment History : The late payments reported ( 30/60/90 days ) lack a clear and complete timeline as required under the Metro 2 guidelines.

High Balance/Credit Limit Discrepancy : High balance inconsistently matches the credit limit, creating unclear reporting. 
Date of Last Activity ( DLA ) : Inconsistent reporting of the DLA between the bureaus.

Closed Status : Closed account reflects a {$0.00} balance but retains a delinquent status, which is inconsistent with FCRA guidelines. 
Remarks : Incomplete or conflicting remarks regarding account status ( e.g., " Account closed due to inactivity '' and " Paid as agreed '' ). 
XXXX. XXXX XXXX XXXX  - XXXX Violations Identified : Late Payment Reporting : Late payments fail to reflect uniformity across all three credit bureaus ( XXXX, Equifax XXXX XXXX XXXX. 
Date Opened : Inconsistent date opened across bureaus. 
Account Status : " Open '' status while remarks suggest " Closed '' under Metro 2 coding inconsistencies. 
XXXX. [ Account Name, Account Number ( e.g., Navient - xxxx ) ] Violations Identified : Dispute Resolution Status : No " XB '' code indicating investigation under FCRA guidelines, despite a dispute having been submitted previously. 
Payment Frequency Reporting : Missing monthly payment data fields for an account listed as active. 
Credit Limit Reporting : Failure to accurately reflect the balance owed upon closure or reflect true terms of the loan agreement.

Legal Basis : Pursuant to the FCRA ( 15 U.S.C. 1681 et seq. ), information furnished to consumer reporting agencies must be accurate, complete, and verifiable. The identified discrepancies demonstrate violations under : 15 U.S.C. 1681e ( b ) : " Maximum possible accuracy '' standard.

Metro 2 Compliance Guidelines : Uniformity and consistency requirements across credit bureaus.

15 U.S.C. 1681i : Obligation to reinvestigate disputed information.

15 U.S.C. 1681s-2 : Furnisher obligations for reporting accurate data.
Product: Credit card

My father signed me up for a credit card using MY social security. I know youre not allowed to say ssn over the phone so I am REALLY not sure how to go about it since the credit card is not in my possession
Product: Money transfer, virtual currency, or money service

On XX/XX/2017, Money orders was taken from my apartment drop box. On XX/XX/2017 I sent 3 money orders into Western Union to receive a refund for fraud. After several months I was returned with 2 of 3 money orders. I have contacted Western Union multiply times being taken in circles about my third money order. I've been hung up on, dismissed, and put on hold for a sufficient amount of time. Its been 2 years and the balance of the money order owed to my apartment complex is still owed, {$370.00}. As of now I was told by western union they closed my claim because 2 years has passed with no reason as to why I can not receive a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, Experian Report attached below, shows that XXXX XXXX was deleted from my credit file and unlawfully reinserted back on my file almost an year later without notice. Therefore, Im demanding that this account is blocked and permanently removed from my credit file immediately.
Product: Credit reporting or other personal consumer reports

I do not. Recognize these credit inquiries and i ask to the credit report. Several complaints to be removed and the bureaus did not what i ask im providing a identity theft attach to this and im requesting them to be removed because they are inaccurate and not mine
Product: Vehicle loan or lease

XXXX reply to me dated XX/XX/2022, in response to my letters, Notice of Rescission, Cease and Desist, dated XX/XX/2022. I disputed the Alleged {$16000.00} debt that XXXX are attempting to collect. I additionally requested verification of the alleged debt pursuant to my rights under the FDCPA. I am within my rights to request a verification under the FDCPA. I requested a copy of a signed contract. I also requested that XXXX delete any and all reporting made to any consumer credit reporting agencies. XXXX have clearly failed to address my very specific legal request and are in clear violation of the FDCPA. 

XXXX, XXXX failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of XXXX sending me a signed contract of agreement signed by all parties involved as requested, XXXX mailed me a ( Re : Request for Information about Your Account ). ( Re : Request for Information about Your Account ) is NOT a contract or agreement and is nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Also, my personal information was released without my consent or knowledge to a third party. 
XXXX, XXXX failed to cease and desist and delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( consumer credit reporting agency ) credit information that is known or which should be known to be false.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to dispute a recorded late payment of XXXX cents on my credit report. Despite being a customer for 8 months, I have never been late in dealing with your company. I have thoroughly reviewed my debit Prescription card statements and records, and all payments were made on time within the designated grace period as per my credit card agreement. I have also paid the late fee and made an early payment for the next month to prevent future late payments. I have proof of payment and the company has agreed to reverse the late payment. 

I kindly request that you investigate this matter and correct my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Creditor Name : [ West Creek Financial dba Koalafi ] Account Number : [ XXXX ] Date of Late Payment : [ XX/XX/ ] for XXXX cents I request a thorough investigation, taking into consideration the provided information and proof of payment. Please confirm receipt of this dispute letter and provide an estimated timeframe for your investigation. I also request written notification of the investigation results and any actions taken to rectify the inaccurate reporting on my credit report. 

The inaccurate reporting of a late payment has negatively impacted my creditworthiness and financial standing. I trust that you will promptly address this issue and ensure that my credit report reflects accurate and up-to-date information. 

Thank you for your attention to this dispute. I anticipate a swift resolution and the correction of my credit report. 

Sincerely, [ XXXX XXXX ]
Product: Checking or savings account

3 months ago I opened a Robinhood account to try and make a little money and n the stock market. My account had about {$1600.00} in it. I needed to sell my stocks and transfer the money to my main checking account about a week go. I sold all my stocks over the course of 2 days and on the third day transferred {$900.00} to my main account. The next morning I check the app and my account is under review with no access to withdrawal the rest of my money. Today ( Monday the XXXX ) I was supposed to be contacted about my account and the date has been pushed to the 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. 

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, 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 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

Hey XXXX, XXXX, EQUIFAX, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - ( XXXX, XXXX, Equifax ) -This account is not showing maximum possible accuracy Reporting as a One Month Term but was opened XX/XX/XXXX then 8 month later reported the first month payment on XX/XX/XXXX then Starting XXXX to XXXX showed late payments then closed on XXXX XXXX  its to many false information reporting according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately as seeing the account is paid and closed and for violation of 15 USC 1681e ( b ), 15 U.S. Code 1692c - Communication in connection with debt collection XXXX XXXX XXXXXXXX - ( XXXX, Equifax, XXXX ) This account is not showing maximum possible accuracy its reporting a 30 day late payment in XXXX and XXXX is still the current month also said lender says they " We have completed the investigation into your dispute and confirmed that the accounts ) in question was closed and has not been reported to the credit bureaus. At this time, we consider the matter resolved and no further action is required by you. '' according to 15 USC 1681e ( b ), its not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) ,15 U.S. Code 1692c - Communication in connection with debt collection XXXX XXXX XXXX XXXXXXXX - ( XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) ( XXXX ) ALSO THESE INQUIRIES ARE NOT ACCURATE AND WAS NOT AUTHORIZED AND NEED TO BE REMOVED FROM ALL APPLICABLE BUREAUS : NAME : Inquiry Date : BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Experian 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 XXXX. XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX Thank you for your time and attention! 

Sincerely, XXXX XXXX
Product: Debt collection

On XXXX XXXX I went to apply for a house loan and I was declined. They told me that there was a collection account on my credit report. After getting the credit report I saw that Credit MGMT had put a balance of {$1300.00} on my credit. I dont know who this company is and I don't owe them anything.I send out a letter disputing this account and I have been waiting for weeks. I will attach the letter to my file
Product: Credit reporting, credit repair services, or other personal consumer reports

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX  XXXX {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX / XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX  XXXX Balance : {$3000.00} XXXX XXXXXXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX : {$420.00} XXXX XXXXXXXX XXXX XXXX : {$2200.00} XXXX  XXXX XXXX XXXX : {$6400.00} XXXX XXXXXXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$58.00} XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Wells Fargo issued a refund for {$1400.00} on XX/XX/20 and then retook those funds on XX/XX/20. 70 plus days later. Completely unexpected. We filed a claim against a gym for unauthorized charges for tuition and competition fees. Instead of doing their part to protect us from fraudulent charges or unauthorized charges they mixed up the details and sided with the merchant. When asked about this I realized they didn't have any information correct. I had given them the right information but the took unrelated information from the gym and sided with them. It took Wells Fargo 70 plus days to make a mistake and debit our account {$1400.00} in the middle of a financial crisis and covid 19 outbreak and then do nothing to help when I reached out. 30 days in understandable but 70 plus days is wrong. In addition they made a mistake with the claim. The charges are unauthorized and not correct.
Product: Credit card or prepaid card

My account was paid in full in XX/XX/XXXX. In XXXX I received another bill stating that I owed them another XXXX as a minimum charge I asked what it was for they said it was written in the contract that they could charge this. I told them to cancel my card right then and there. which they did. Ok. so we are now into XXXX I get another bill from them stating that I owed them XXXX. XXXXfor the previous balance and XXXX for fees. Well I did consent to pay this just to get rid of them. But I got another bill in the mail today That is for XX/XX/XXXX Which states that I owe them another XXXX. They charged me another XXXX for a late fee and another XXXX for a minimum charge. This is down right XXXX and I am not going to give them another cent.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding several issues I have encountered with the credit bureau, including unauthorized inquiries and inaccuracies in my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. XXXX 's is reporting an address that I have never lived at which is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report to the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. XXXX XXXX was removed from 2 of the credit bureaus, but it remains on Equifax. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was 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 corrected for erroneous reporting in my file and are listed on my credit report 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XXXX Experian XXXX XXXX XXXX XXXX, Tx XXXX Subject : **Dispute of Inaccurate Information under 15 U.S.C . 1681i** Dear Experian, I am writing to formally dispute the following information on my credit report under **15 U.S.C. 1681i**, which requires you to investigate and correct any inaccurate or incomplete information. 

Upon reviewing my credit report, I found the following inaccurate item ( s ) : - **Account Name** : XXXX XXXX XXXX **Account Number** : XXXX - **Disputed Information** : I have never had an account with XXXX XXXX I believe this information is incorrect for the following reasons : I have never had an account with XXXX XXXX and have no knowledge of this account Please investigate this matter and correct or remove the disputed information from my credit report. As required by **15 U.S.C. 1681i**, I expect you to conduct a reasonable investigation into the accuracy of this information, and I request that you notify me in writing of the outcome of the investigation within 30 days of receipt of this letter. 

In addition, I request that you provide me with the name, address, and phone number of any party that you contact in relation to this dispute, as well as any documentation that supports their findings. 

If any information is found to be inaccurate or unverifiable, I ask that you delete or correct it accordingly. Please provide me with an updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by XX/XX/XXXXwithout me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.