23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three accounts that are mine and they showed up on my report with a different address attached 1. Wells Fargo 2. XXXX account  and XXXX. XXXX account .These accounts are not mine and I want them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Equifax on XX/XX/2020. They responded to the request to put an promotional suppression on my credit file however they did not investigate and respond to the items listed on the letter about the dispute. 
I will attach the letter and their response to this complaint. I know that i have rights under the FCRA and those said rights have been violated.
Product: Credit card or prepaid card

I have had the same credit card with Wells Fargo Bank and it is NOT the marketed XXXX Wells Fargo credit card by the XXXX on the Wells Fargo website but I believe this is a fraudster scam emanating out of Wells Fargo Bank as a result of my use of a XXXX credit card when staying at a hotel. 

The XXXX advertising the Wells Fargo XXXX credit card is a fraudulent scheme, in my opinion. 

As a result, I, in my opinion after careful research believe that the source of this Wells Fargo scam, the XXXX, selling the XXXX XXXX credit card on the Wells Fargo secure banking website is possibly the source of some spam email I have been receiving, of which I logged an FTC complaint. 

The spam email I received and reported to the reportphish website at Wells Fargo Bank is coming from coverage, XXXX XXXX and the marketer on the XXXX Life ecommerce.com website is offering XXXX XXXX, {$250000.00} XXXX XXXX at {$15.00} per month. 


He appears to be the XXXX selling XXXX XXXX credit cards, probably French and might be connected to the fast talking frenchmen making the XXXX XXXX out of XXXX  XXXX. 

It appears to be the XXXX at Hotels credit card using Wells Fargo Bank, of which I am a depositor FDIC insured for XXXX Thus this is a Wells Fargo Bank scheme with the XXXX in charge and my money is FDIC insured at Wells Fargo Bank. 

Is this how a bank operates on United States soil?
Product: Debt collection

I have an outstanding debt with a company who sold my debt to EastPoint of XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. I rec 'd a notice dated XX/XX/19 as the Initial Notification from them. They began calling my husband, then by some means got my son 's info, my son 's girlfriend 's info and my son 's girlfriend 's sister-in-law 's info and began calling them. On several occasions they were informed not to call our son and they have now been told to not call his acquaintances as well. 
The rep, XXXX, threatened that if I didn't pay either a large payment or the entire balance that they would file a fraud claim against me and take me to court. I mentioned that I was exploring the option of filing bankruptcy and he advised " good luck, these guys have lots of money '' and " that I would go to court before I was before a Trustee ''. 
I would like to work out an arrangement with them, but their representative XXXX is not reasonable and doesn't seem willing to work anyone. His tactic is to bully and threaten. I realize that he works on a basis that he gets a percentage of what he collects, but he is unwilling to discuss options other than pay now. 
Everyone hits hard times in their life for whatever reason, up until XXXX, we had made all monthly payments on time through an autodraft from our account. We are trying to stiff the creditor, just have them work with us in a reasonable manner.
Product: Debt collection

I have 2 charges from ambulance rides. At the time the two insurance companies both rejected the claim. Only a year after the fire dept turned this fees over to XXXX XXXX XXXX. The insurance company tried to rectify the situation and XXXX XXXX XXXX  turned them down. The two fees for XXXX XXXX XXXX are XXXX $ and XXXX . Both were not adjusted by either Insurance co. The final charge is for XXXX dollars for XXXX Hospital. I was at XXXX hospital during that time but the money that is owed was paid for at the time of service. Im currently getting proof of that.
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, 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: Checking or savings account

bank of america and XXXX  wont letme open a bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX XXXX  Opened XXXXXXXX XXXX XXXX Balance {$24000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Product: Credit reporting or other personal consumer reports

My account with (, XXXX XXXX ) was never late! I have had exceptional payment history with XXXX XXXX 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 USC Code 1681eb. 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 30 - 60 DAYS 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 ) 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I wrote letters of dispute for collection accounts no original contracts were provided nor was my personal information was update with old information deleted I had been a victim of identity theft during XXXX. Requested alert and freeze non was applied and approved. In said letters I explained I was homeless during XXXX  for 3 years and my information was stolen in a shelter. I never received any information or updates to this but a letter stating they had a security breach and my information was once again compromised. These issues have caused me and my family severe credit and financial abuse to where I am unable to secure business grants and loans to grow my company. I no longer wish to have XXXX delete and remove all personal information from there data base. I request that they are not allowed or banned from accessing anything regarding my person
Product: Credit card or prepaid card

I opened an American express revolving credit limit ( amex XXXX ) card back in XX/XX/XXXX. I held the card for four years and my credit limit was XXXX around XX/XX/XXXX or XX/XX/XXXX Amex lowered my credit limit when my balance reached XXXX claiming that the balance was too high and that I was approaching my limit ( 4,000 difference ). they extorted XXXX dollars from me in order to restore the balance back to the limit they agreed to maintain for my credit line. I paid them and they restored the balance. fast forward to XX/XX/XXXX as  of today ( XX/XX/XXXX ) I have been informed that they are performing the exact same predatory practice as they previously did 1 year ago. My balance is again around XXXX and they have just lowered my credit limit to XXXX in the hopes of extorting a lump sum payment from me. this in general raises concerns about what my true credit limit is if they are uncomfortable with my balance coming within 75 % of the total limit. it takes me a year to spend a few thousand on the card, my spending is consistent and i have never missed a payment. This is financially abusive especially in this time where unemployment is at an all time high. This is unacceptable and must be rectified. 

there are times when credit card lenders will do this and " chase a balance '' but to do so two times in one year is simply predatory and abusive by the very definition of the word.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Exquifax, and XXXX has fail to give me any information to my dispute in written of how the information they are reporting are being verified. 

When if comes the the bankruptcy, I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed you have not give me the information for verification on items listed in my letter. My attorney told me to ask you the following questions.

( 1 ). How did you verify these inaccurate accounts?

( 2 ). Did you talk to the court and if you did who did you talk with at the court?

( 3 ). Were you required to pay a fee to obtain the bankruptcy papers?

( 4 ). Can you provide me with the contact number and name of the person you talked to? 
My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and disappointment regarding the ongoing issue of fraudulent items persisting on my account. Despite my repeated attempts to rectify this matter, I am dismayed to find myself addressing it for the fourth time. 

Despite my efforts and the assurances I have received, the fraudulent items persist, causing me undue stress and financial hardship. 

The continued failure to address this issue reflects poorly on your company 's integrity and commitment to customer satisfaction. I have cooperated fully and provided all necessary information, yet the problem remains unresolved, eroding my trust in your organization. 

I demand immediate and decisive action to rectify this situation. I insist that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this oversight be waived without delay. Furthermore, I expect a formal apology for the inconvenience, frustration, and financial harm caused by this negligence. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$570.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$870.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$570.00} XXXX  XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$9700.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received credit report alert on XX/XX/2023, logged in to view alert had a company DBA Paragon Revenue GR, with address ( XXXX XXXX XXXX XXXX, NC XXXX, Phone XXXX XXXX XXXX XXXX XXXX Collections Balance Date, Balance. Tried calling immediately, XXXX XXXX XXXX. Contacted company next day XX/XX/2023 to verify debt. Advised rep I have not received anything in the mail for this debt. I have paid all my bills on time, even payment arrangements on time and have not had any collections on my credit in the last 5years. How can something be placed in collections if I was never given notice of an outstanding bill, the account number, where to pay, how to pay, or even set up payment arrangement? The rep could not give me any information and kept asking me for account number which I did not have because I have not received any type of bill/notice, and then asked me for my social security number which I did not give due to have recently been a victim of data breaches through several providers I have accounts with. I did give my name/ date of birth, address for identifiers. The rep advised without an account number/or ss # he could not help me. If I had been given a notice, pay by date, or someone to contact to make payment arrangements this would have never made it to collections. My credit has been clear for some time, and I have made it an process to always contact a biller for any outstanding debt once I receive notice that I have an outstanding bill. I have no clue who turned me into collection and for what and when I incurred the debt. My information is limited all I have is what is on my credit report.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX  numerous times regarding the late payment they are reporting in XX/XX/year>. They have refused to update this to positive even though I was protected by The Cares Act which states due to XXXX  XXXX forbearance program regulations that no late payments are to be reported during the time of XXXX  forbearance program and per 15 USC 1681s2 ( f ). Not to mention that due to XXXX XXXX, I was in a coma that i should not be suffering with this ongoing issue and it is NEGATIVELY impacting my credit score and XXXX XXXX  is the only Merchant that has not fixed this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting requests for the addresses that do not belong to me on my credit reports to be removed from Equifax, XXXX and XXXX. I have submitted dispute requests for this information to be removed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. each time the credit bureaus did not send me any dispute results or remove the addresses that do not belong to me on my credit report. 

XXXX incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX incorrect addresses are : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Equifax incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit card or prepaid card

ITS XX/XX/XXXX I got ta pay RENT SOON OR IM GON NA BE HOMELESS AND THIS IS THE STATES GOVERNMENT EDD CARD Been calling since XX/XX/XXXX because my card was declined at XX/XX/XXXX store on XX/XX/XXXX AROUND XXXX and I then realized after driving 1 1/2 hours home and looking at my account on the app keep in mind I HAVE ALL NOTIFICATIONS ON IN APP AND MY PHONE NEVER RECEIVED A TEXT OR EMAIL TELLING ME I HAVE UNAUTHORIZED WITHDRAWALS FROM XXXX for {$980.00} each day around midnight and then on XX/XX/XXXX for {$900.00} leaving me with nothing to pay for anything. They took it out at two Bank of America ATMS that Ive NEVER BEEN TO AND I DONT LIVE BY EITHER. THEY WONT SHOW ME ANY PROOF IT WAS ME BUT I HAVE SENT OVER A POLICE REPORT AND my VALID CALIFORNIA ISSUED LICENSE WITH MY CASE NUMBER ON IT. IVE CALLED EVER DAY SINCE XX/XX/XXXX and I keep getting put on hold or passed around. I ASKED TO SPEAK TO MULTIPLE Supervisors when they answer Ive had XXXX hang up on me mid sentence explaining my situation and I JUST GOT ON THE PHONE WITH HER FOR XXXX min literally her name was XXXX, another supervisor told me well you know people XXXX XXXX to be at another location SUPER DISRESPECTFUL AND ACCUSING ME. I FEEL DISCRIMINATED Like dude that bank that they took money out from is XXXX XXXX hrs away from me with NO TRAFFIC AND WHEN I CALL I KEEP GETTING TOLD ITS BEING RECONSIDERED FOR A WEEK NOW. IVE FAXED OVER ALL DOCUMENTS THAT THEY HAVE ASKED FOR WHEN I PLACED THE CLAIM ORIGINALLY ON XX/XX/XXXX its was declined on XX/XX/XXXX with no proof it was me but they didnt mail it out till XX/XX/XXXX and I received it XX/XX/XXXX I have proof of when I received the letter its date stamped by the post office and I filed a police report on XX/XX/XXXX after calling the bank and hearing they declined me Im glad I called so I KNEW.. I have NEVER EVER PULLED MONEY OUT REPETITIVE DAYS AND I ONLY PULL OUT XXXX for rent why wasnt the multiple days flagged for suspicious activity after the second day for same quantity BANK OF AMERICA FAILED TO PROTECT MY MONEY AND FAIL TO HONER THE ZERO LIABILITY LAW FOR UNAUTHORIZED WITHDRAWALS ITS ON THEIR PAPERS THEY SEND U WITH THE CARD. AND WHEN XXXX ASK A QUESTION YOU GET A EXCUSE NOT A ANSWER I HAD {$5800.00} unauthorized withdrawals total and now Im at XXXX in my account AGAIN THIS IS A EDD CARD UNAUTHORIZED WITHDRAWALS I NEED TO BE COMPENSATED FOR MY TIME, STARVING FOR WEEKS, BROKE WITH NO TEMP CREDIT TO ACCOUNT NOTHING, CANT PAY BILLS, and FOR MY STRESS AND HEADACHES AND HOURS ON THE PHONE I MEAN HOURS and when I CALL TO UPDATE MY CLAIM THEY DONT EVEN PUT THE INFO INTO THE NOTES WHEN IVE TOLD THEM multiple times Ive called to put in police report on XX/XX/XXXX they didnt when I called back on XX/XX/XXXX to give them the full case number to be COURTEOUS ON MY END WAS TOLD THERE WASNT ONE ON FILE THIS IS A FEDERAL CHARGE I WAN NA PRESS CHARGES IT WAS NOT ME
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXX Balance {$410.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  / XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$240.00}, XXXX XXXX XXXX Balance : {$590.00}, XXXX XXXX Balance : {$290.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}.
Product: Mortgage

Ocwen has been misapplying my mortgage payments and then claiming that I am not making my payments, and, as such, have been notified of possible default. In XXXX 2015, they applied my mortgage payment to an escrow account to cover property taxes and homeowner 's insurance even though I was making timely payments and my account was not impounded. The biweekly program I have ( XXXX ) had a conference call with me and an Ocwen rep ; the XXXX rep told the Ocwen rep that they ( Ocwen ) had misapplied not only my funds, but also other customers '. This issue took many weeks to clear up, with almost daily phone calls from Ocwen. Recently, Ocwen took one of my mortgage payments to pay my homeowner 's insurance, even though I was paying it. XXXX has no record of having received such payment. Now, I find out that Ocwen returned my mortgage payment that had been sent by XXXX back to XXXX. I only found out because XXXX sent me a courtesy letter explaining that they had sent back the check to Ocwen. According to Ocwen, I am " behind '' two payments. This is the result of their error, not through any fault of mine. Also, approximately three weeks ago, i got a call from an Ocwen rep at XXXX XXXX. When I notified her of the time, she dismissed my complaint.