23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on 5 occasions i asked for the credit agencies to validate the information that was being filed on my credit report. They did not comply but only sent me an updated credit report each time. According to the 609 credit reporting act the agency should have a copy of my application with a valid signature. They have not been able to supply me with this information to validate the debt.

The credit card company has also called my place of employment and disclosed that I owe a debt to my supervisor. This was very embarrassing. This took place on two occasions after I sent the company a letter requesting them to stop harassing me.

I sent them this letter because they were calling a friend of mine up to 10 times a day and were asking to stop calling and told them that they do not have my contact information. They refused and continued to harass my friend and myself.

I sent letters to both the credit card company and credit agencies on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/2018. 

The credit card company only responded with the harassment of phone calls and letters threatening to sue me. The credit agency only responded by saying the debt was validated and sending me an updated credit report. 

On XX/XX/2018 I contacted transunion and was told the debt was validated ad there is nothing I could do about it other then pay it but the debt is not mine until i see a valid application and signature on file. There has been extensive use on the credit card that i did not use.
Product: Mortgage

I FINALIZED A MORTAGE MODIFICATION BY MAKING THE THREE TRIAL PAYMENTS ON XX/XX/XXXX, MY NEW PAYMENT STARTED XX/XX/XXXX, I HAVE BE MAKING THE PAYMENTS TIMELY FOR THE NEW REDUCED AMOUNT, THE COMPANY REFUSES TO SEND ME THE FINAL MODIFICATION PAPERS AND IS NOW SENDING ME LETTER OF PARTIAL PAYMENT AND LATE FEE FOR THE PRIOR AMOUNT BEFORE MODIFICATION. THE COMPANY IS FAY SERVICING XXXX NMLS ID # XXXX XXXX TX XXXX. THE ACCOUNT IS UNDER XXXX AND XXXX ACCT # XXXX XXXX NY XXXX MY CONTACT NUMBER AT WORK M-F XXXX OR CELL XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account name XXXX XXXX XXXX, account number 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: Checking or savings account

Wells Fargo have been stealing from my account by reordering transactions and charging overdraft fees for the last two years. I have taken screenshots as proof to which they fail to return the fees citing I am only allowed one refund a year despite proof of them reordering transactions or the pending transaction is made to look like it was cleared days before in order to incur charges. 

Most recently XXXX XXXX I took screenshots of the ending daily balance of {$340.00} posted at XXXX EST. 

At XXXX EST i transferred over {$270.00}, {$19.00}, and {$49.00} each from XXXX which is a total amount of {$340.00} clearing out the debt ( overdrafted amount ) posted. 

At XXXX, I received a message from Wells Fargo saying that my account was overdrafted by - {$19.00}. 

Checking my account that morning I noticed that the XXXX XXXX XXXX charge of {$76.00} to {$96.00}. This is a difference of {$20.00} which would account for the - {$19.00} that was only added the following day which was XXXX. 

XXXX XXXX, around XXXX I received a notification that they were charging my account with another overdraft fee of {$35.00} for a {$500.00} transaction that I had covered with the money Id deposited the night before. 

This would not have made any sense based on the screenshots provided. This is one of the many times that Wells Fargo have predatory stealing from my account by reordering transactions and/or making pending transactions appear to have cleared days prior to the date in which it actually cleared while my account is either already overdrawn or close to a XXXX balance. 

I have bought this situation to their attention numerous times with the same kind of proof that they refuse to thoroughly verify with the exception of one time they did find their error and refunded me.
Product: Credit card

Synchrony Bank contacted me as a result of a complaint I filed last week. My complaint dealt with how they allocated all of the additional payment on my Care Credit account to the interest-bearing purchase and none to the soon-to-expire promotional purchases. I had to call XXXX to get the allocation changed which took about XXXX minutes each time. When the representative called me, she explained that the legislation passed in XXXX required them to allocate any overpayment to the balance with the highest interest. Since the promotional payments had no interest if paid off in time, they had to credit the interest bearing purchase. I believe this is a technicality or interpretation that Synchrony has made that enables them to profit from the accrued interest on interest-free promotional purchases and was definitely not the intent of XXXX when the consumer protection legislation was passed.
Product: Student loan

When I was enrolled at XXXX XXXX, I was told the the loan would be used for only credits/time used. I was also told that I would only be responsible for the loan after 6 months of attending school ( if I did not complete my degree, OR 6 months after graduation. I was charged for multiple semesters although i did not graduate and I did not attend school for 6 months. Therefore I was over charged on my loans, which has negatively affected my credit scores and ability to get any other loans in the future. I was mislead, cohersed and lied to about these loans. I can not afford to pay them back, which is why I decided to drop the courses.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me nor do I have any knowledge of them whatsoever. I been a victim of identity theft and this is the aftermath of my reality. I'm demanding that the 3 major credit bureaus remove these unauthorized accounts from my credit data. The following accounts are, [ 1 ] XXXX XXXX, [ 2 ] XXXX {$760.00}, [ 3 ] XXXX XXXX {$53.00}, [ 4 ] XXXX {$53.00}, [ 5 ] XXXX XXXX {$760.00}
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the paid off account/s listed above. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report. Per 15 USC 1666b a creditor may not treat a payment on a credit card as an open ended consumer credit plan. Please update the payment history as PAANL status ( Paid as Agreed Never Late ).
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/year>, I tool out a loan from Opploans for {$4000.00}. I did not realize at the time the interest rate was 160 %, which is against Maine law. In XXXX XXXX, President Biden repealed the True Lender Rule enacted by the OCC, and prior to that, Maine passed a law, XXXX, making Opploans illegal to operate in the state of Maine with the interest rates they charged and illegal to pursue collection activities for said loans. Opploans has since been calling me, emailing me, and reporting negative information on my credit report concerning the loan. I have requested Opploans to cease and desist collection and reporting activities, as to which they refused, stating they dont have to follow Maine Law .
Product: Vehicle loan or lease

I contacted Hyundai on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all in regards to a request for my lien to be released for my vehicle. My vehicle was paid off XX/XX/XXXX. Attached is proof from Hyundai. I have attempted to sell my vehicle recently and was informed I was unable to due to the lien still being on the vehicle. On all above dates I requested they send the proper documents to the clerks office. They were given the clerks office fax number to fax it to and the form that the clerks office require for XXXX  ( XXXX ). All calls have resulted in being given the same empty answer. That it would take 3-5 business days from the date of initial request. It has over been double that amount of time and the lien release form has still not been faxed to the county clerks office in XXXX XXXXXXXX XXXX where the vehicle title is registered. Also attached is the form they require from the lien holder, Hyundai in this case. Hyundai is holding a security interest on a vehicle they have legal right to. This vehicle is paid in full and has been for over one year, yet the lien has not been released. The company doesnt seem to understand or care about this issue. My vehicle has a total value of roughly {$11000.00} per XXXX. This is the amount Im unable to sell my vehicle for because Hyundai refuses to release the lien on a paid in full vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been trying to place a freeze on my equifax account since the day of the free freezes started. Since XX/XX/XXXX i have been getting this error : " We are temporarily unable to complete this request. 
Please try again later. '' Calling always says they are updating the systems and call back in 30 minutes, so I try again the next day- same error- same excuse. Now 4 months later the same excuse is still being given out. I can not place a freeze on my account and the agents can not or will not help me do it of the phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security XXXX XXXX a resident XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX Texas XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I raised the problem of having an unauthorized charge come from my account in which I raised the concern to Venmo and was told that my money would be refunded instead of that they suspended and closed my account without returning my money back to me! 
I have given them ample amount of time to resolve this issue with me and apparently I am not the only person this has happened to!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX USA company used my social without my authorization. FACTUAL DATA Is another company and XXXX. Also XXXX  XXXX XXXX. 
Please remove all the credit inquiries I did not made starting the month of XXXX, so my 3 credit bureaus are not hurt.
Product: Debt collection

XXXX has called multiple times trying to collect a debt from someone who no longer has my phone #. I have had this # for almost 2 years now. I want the calls to stop.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, Equifax updated my credit report with incorrect information regarding XXXX XXXX XXXX. This was voluntarily dismissed in XXXX and they are reporting that it just was dismissed in XX/XX/XXXX. I am very tired of these errors because it causes my credit score to go down when they add this information. I will be looking into legal advice and getting an attorney to rectify the situation. I have submitted complaints several times with this bureau, but nothing is happening. This violates my right for fair credit reporting. This company DOES nothing to help because it still reporting incorrect information. 

Case or ID : XXXX showing as " Date Reported '' to be XX/XX/XXXX on Equifax report, which is 5 years ago from when the case was " voluntarily dismissed ''. Please have them remove this as they are reporting it incorrectly on my file.
Product: Credit reporting or other personal consumer reports

Im filing a complaint because theres incorrect information on my credit report. There are accounts showing up that arent mine and probably belong to someone else. This mix-up is hurting my credit score and making my ongoing issues with fraud and identity theft even worse. It feels like my rights as a consumer are being violated, and its damaging my financial reputation. Please make this a priority and ensure my credit report only shows accurate, legitimate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the creditors letter for which they have approved of the delinquency to be removed from my credit reporting. 
i have already sent my request and the letter to three major credit bureaus, but they are not cooperating please have this inaccuracy removed from my credit reports thank you
Product: Prepaid card

Tried to make several purchases through XXXX on XX/XX/24 in the amount of {$180.00} and kept on getting declined Tried to make a purchase on the phone at XXXX XXXX on XX/XX/24 in the amount of {$1700.00} and was declined Called customer service and they stated you need to use in store. What good is a gift card if you can't use it online. It states that you can use it to shop online in the card description.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached to to Equifax several months ago to assist me in verifying information that XXXX XXXX had reported incorrectly to their buero. The 30 day mark has came and past and yet I have not recieved any results from Equifax where the dispute was conducted or finalized and how they obtained information. I have attempted to check the status of this using their online website, however, it never let 's me access the page.
Product: Money transfer, virtual currency, or money service

I received a form answer from my last request. 

I was scammed in a puppy fraud scheme. I contacted my bank. My bank is a partial owner of the company they hide behind as they say 'XXXX  ' is not responsible. I was told when I signed up for XXXX by Wells Fargo service that the service was like XXXX. If there is an issue with XXXX, there is due diligence, fraud protection, and consumer safety from scams.

I was scammed by fraud in a puppy buying scheme.

Banks are supposed to protect consumers from fraud. It's the law. Yet Wells Fargo who is one of the owners of XXXX sends a form letter saying they are not responsible because the consumer was defrauded and hit the button believing fraud. 

I am more than unhappy. This is not protecting the consumers. It's creating a corporation to hide behind and shirk responsibility. I was a victim of a fraud.
Product: Prepaid card

The XXXX XXXX branch representatives hung up left me on phone for hours refusing to addres my concerns while my employer sent my pay to card on Friday XX/XX/year> on my entitled pay refusing to allow me to have access to my funds and representatives not answering calls
Product: Consumer Loan

Rental Car Company : XXXX Rental Agreement : XXXX Viking Claim Number : XXXX I received a claim from Viking for {$920.00} on behalf of XXXX for vehicle damage on a car I rented from the XXXX XXXX XXXX XXXX, XXXX location from XXXX/XXXX/2015 - XXXX/XXXX/2015 and returned to an attendant without incident. At the time of renting the car I questioned damage to the driver 's side door and was told that it would not be a problem if I returned the car to the same location. Because of this, I made sure to check there was no problems and I got the all clear to go when I returned the car on Monday morning around XXXX on XXXX/XXXX/15. The attendant met me in the driveway and actually drove the car into the parking lot before my husband and I left. 

I first learned of the alleged " accident '' 6 weeks after renting the car - with a notice of collection from XXXX ( an out of state collection agency ). By this time I had already thrown out my car rental paperwork. The notice claimed the vehicle had been involved in a major accident, with damage including the roof and hood of the car. However, there was no accident report or evidence of the damage provided. I was newly pregnant at the time - had I been in a car accident as serious as they claimed I would have needed to go to the hospital. I also have witness who can verify the condition of the car. As further evidence of my lack of knowledge of the incident, I had already rented from XXXX another time. 

When I received the bill for the damages, I took the notice into the Budget location at XXXX XXXX where I rented the car and questioned them about it. The attendant claimed he had no knowledge of the damage or the company - XXXX - and refused to give me his name, claiming he was only a " lowly worker. '' I told him I would not leave without some resolve so he took a copy of the paperwork and told me he would have the manager, XXXX, call me. He refused me to give me XXXX 's last name. And of course, XXXX never called. I also left a message with XXXX and never received a response. I eventually tracked down XXXX after calling XXXX at XXXX XXXX until he picked up the phone XXXX day a couple weeks later. XXXX told me he had no knowledge of the accident and could provide no details of the rental paperwork or condition of the car when it was returned. 

After that, I contacted XXXX Customer Service and received this message : Please note, according to our records, this vehicle was damaged during the rental. I apologize for any possible inconvenience, however this department does not have access to information relating to the incident in question. Please contact our XXXX XXXX XXXX XXXX at XXXX. 

Now I am being contacted by Viking Collection in an attempt to claim the {$920.00}. I explained over the phone that I would not simply hand over money for an incident I am not responsible for and damages I have received no evidence of. I am very worried that this has already negatively impacted my credit rating. I believe this is an intentional scam to get money from XXXX and the collection agencies they are working with. This is fraudulent and criminal. I really need some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a new XXXX in XXXX of 2022 My payment that I agree to was {$830.00} a month. 
As a requirement by the bank I needed to have insurance. 
I provided insurance on the XXXX 
They also added insurance on the XXXX that I wasn't aware of and I wasn't notified. 
I noticed on my credit report that the amount was going up and the payment amount was higher than the signed agreement. 
I reached out to the bank and asked them why. 
They told me that I needed insurance and I provided it. 
I disputed the information on my credit report and it was un changed.

I want it corrected on my report immediately. 
I wasn't in the wrong and I shouldn't have to suffer as a result of someone else 's mistakes.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On or about XXXX XXXX XXXX XXXX XXXX XXXX  received a cease-and-desist notice instructing them to immediately halt communication regarding the subject matter. This notice also explicitly outlined the only permissible ways for them to communicate with me about this purported debt. XXXX XXXX XXXX acknowledged receipt of this notice in their response to my XXXX complaint ( XXXX ) by stating : " XXXX acknowledges that we received the consumers cease-and-desist notice on XXXX XXXX XXXX XXXXXXXX has noted the file accordingly and taken precautions to prohibit any outbound collection activities on this account. No further contact with the consumer has been, nor will be made. However, the presence of a cease-and-desist notice does not preclude XXXX  continued credit reporting of this {$400.00} debt. '' Therefore, XXXX is knowingly choosing to ignore and violate the provisions of 15 USC 1692c ( c ) Ceasing communication. 

Federal law defines communication as : " The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' This means that any act of sharing information about a debt, whether done directly or indirectly, using any means or method to convey that information to any person, constitutes communication. 

On XX/XX/2024, XXXX XXXX XXXX deleted their trade line from my XXXX consumer report. However, they continue to report their trade line on my Experian and XXXX consumer reports.
Product: Debt collection

XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX Account # XXXX Open XX/XX/year> that was part of identify theft and was removed from XXXX and XXXX, but not from Equifax. 15 USC 1618c-2