23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The account with Capital One Bank is showing I owe {$3000.00}. This is incorrect. The balance on this account is much lower and this company refuses to negotiate with me so that started increasing fees and interests to make it much more than it is. I want this company to leave contact info so that I can begin paying back at the original balance amount that was due when I began negotiating with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is the only negative account on my credit report. I do not believe I owe on this account and have been unsuccessful in obtaining documentation, but worse this is a third party collection company masquerading as a credit grantor. Third party collection companies may not report as open / active type of tradelines. This has extremely effected my credit score, as my only negative account, as it shows it's an open active account that is currently not being paid on time. It also updates monthly as an active account. Only original credit grantors may report accounts as open / active, or report account type as anything other than 'collection '. Collection companies do this to have the maximum impact on your score, and it is illegal.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX account Acct # XXXX was charged off in ( XX/XX/XXXX ) .I have requested the 1099c to support the charge off and it has not been sent. I have dispurted this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. Attached is also the dispute filing in XXXX. Per a CFBP compliant decision on XX/XX/XXXX XXXXXXXX XXXX decided to delete this account from my credit. The only bureau it has been deleted from currently is XXXX. Ive been requesting to have this deleted from XXXX and Transuion but I keeps coming back after the compliant is filed as verified This is my 3rd compliant request the XXXX  account be removed from XXXX and Transunion per the decision made by XXXX on XX/XX/XXXX. Attached is proof that this account by XXXX was suppose to be deleted per a final decision made by XXXX XXXX XXXXXX/XX/XXXX. It has not been deleted and still shows on all 2 of the credit bureau.
Product: Debt collection

Told them 1 year ago to stop calling me, they are trying to collect a debt for a XXXX XXXX, they told me they wouldnt call me anymore, but called me 100+ times over the course of the year. As im a truck driver i hardly have time to take these calls, as either im busy or it would be dangerous to do so. This is ridiculous and needs to stop
Product: Credit reporting or other personal consumer reports

I've just recently checked out my credit report and noticed that my old accounts that are closed is still on my report its been charged off and closed but never been removed this issue has become a problem and actually dropping my score and hindering me from being able to apply for on going credit
Product: Money transfer, virtual currency, or money service

Debt Negotiation Services a debt settlement company located in Florida refused to promptly refund the money I had in savings. DNS had placed the money in an account at XXXX XXXX XXXX  believed to be owned by just me. However, when I tried to get the money refunded the bank told me DNS owns and controls the money and they are the only ones who can authorize the refund. DNS threatened for it to take at least 30 days and up to 6 months before they would authorize the refund. A friend of mine has assisted me in getting this story out to the public. My complete story including supporting documents, recorded phone calls, and the results of a report published by XXXX XXXX at XXXX   can all be found using this link https : XXXX XXXX
Product: Checking or savings account

XX/XX/24 : my account is overdrafted {$17.00}. I attempt to move {$20.00} from a joint account at the same institution to my overdrafted account. online banking will not allow me to move the money ( this is normally not an issue ). I physically go to a Regions ATM and have to withdraw {$20.00} from my joint account and then immediately deposit to my overdrawn account. this brings my total + $ XXXX. approximately XXXX XXXX XX/XX/24 : approximately XXXX XXXX I check my account. Sometime after banking hours a overdraft fee of {$36.00} was levied on my account after bringing it out of overdraft the previous day. 
current checking account total is not accurately reflecting pending transactions. Bill pay transactions are being executed when they are most likely to cause an overdraft I.E. in the middle of the night. Pending transactions are being executed when they are most likely to cause an overdraft I.E. date moved forward in the week ( one such transaction was already cleared with retailer and items shipped ). Internal transfer system will not work under an overdraft situation ( this has happened on a previous occasion ).
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX  XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$780.00}
Product: Checking or savings account

Name of Company : Well Fargo Background : I have maintained bank accounts with Well Fargo since XXXX. Last Fall I had seven accounts with the said bank ( 5 personal/2 business ) total value approximately {$300000.00}. 
The business is a XXXX XXXX XXXXXXXX business, who clients are solely federal, state and county governments. 

XX/XX/XXXX I received a letter from Wells Fargo informing me they would be closing one of my business accounts. A few days later, I received another letter informing me they would be closing my second business account. They did not close any of my personal accounts. 

No reason was provided for the business account closures with the exception of " We recently reviewed your account relationship and, as a result of this review, we will be closing your above referenced accounts. '' I contacted my local Wells Fargo branch which was not aware, and in disbelief, but upon taking the issue higher was told nothing could be done to fix the problem. When asked what was the problem, all parties were told by the XXXX XXXX, SD support office '' we don't have to tell you ''. 

In early late XX/XX/XXXX I contacted the executive office ( via phone ) of Wells Fargo and they initiated an investigation. Three weeks later I received a reply from that office saying that the investigation was closed with no change in their decision. 

In XX/XX/XXXX, I contacted the Office of the Comptroller ( OCC ) and requested an investigation. They initiated an investigation ( if you could call it that ) and had Well Fargo review my complaint, and respond back to me. Wells Fargo responded back to me that upon review again the case was closed. 

Finally, XX/XX/XXXX I received a letter back from the OCC informing me they had received word that Wells Fargo had responded to me and they were closing the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was removed and re inserted on my credit report without properly notifying me within 5days and according to the FCRA this is illegal.
Product: Debt collection

On XX/XX/2018, I am doing a settlement to XXXX XXXX XXXX XXXX XXXX, File No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX using XXXX XXXX XXXX Attorney at Law but they are not a lawyer XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone # XXXX where I paid {$3000.00} from my Debit Card ending XXXX and it shows from my bank account that they received my payments. I called them today that they will be sent a printout receipt from their system. Now, I received another collection letter from another collection company name : Account Receivable XXXX XXXX XXXX XXXX XXXX XXXX,   WA XXXX phone XXXX  claiming a {$5000.00} don't want to deduct my payment {$3000.00}. XXXX XXXX XXXX XXXX XXXX  already removed my derogatory remarks from Credit report such as XXXX, and XXXX XXXX was already deleted XX/XX/2018. They advise me not to send a payment to XXXX XXXX XXXX until they send me to collections and we have to file a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters, along with my identification, and a Federal Trade Commission Identity Theft Affidavit to the 3 major XXXX, XXXX, and Experian on XX/XX/2018 and XX/XX/2018 asking that they remove or block all accounts and inquiries that were showing as a result of identity theft.
Product: Credit card or prepaid card

A good number of years ago ( I do not have the exact years ) most banks and finance companies were offering their credit cards with highly competitive terms on a very frequent and feverish basis. At that time, I applied for and received a XXXX credit card having TREMENDOUS TERMS through XXXX XXXX ( I understand that XXXX did n't have a bank but that was just the name that they used for the services that they provided ). The terms for this XXXX credit card was : An adjustable rate based on " The Prime Rate minus 2 %, plus a {$98.00} Annual Fee ''. Yes, that 's correct! 
At the time, I believe that the Prime Rate was around 8 % ( meaning around 6 % to me because of the Prime minus 2 feature. This was not a fantasy ; it was real. 
Over time, " XXXX '' sold-off its credit card division to " First USA '' who later sold-off theirs to " XXXX XXXX '' who, finally, sold-off theirs to " Chase '', which is where it resides now. 

This complaint is not necessarily against Chase or its credit practices but rather to obtain information about the coming changes that will impact my account in XX/XX/XXXX that their customer service reps were having difficulty in making clear to me. 
The new " Revised Terms as of XX/XX/XXXX '' calls for the APR for Purchases and Balance Transfers to be 4.99 %, which will vary with the Prime Rate. 

I never thought that my previous tremendous terms would last forever and expected that they would find some way at some point to change it. All I want to know is that there was no mistake in changing my terms and that I once belonged to a special class, all of whose terms will now be retired. 

On XX/XX/XXXX, I called Chase 's customer service line and attempted to make sure that they were aware that I was in the Prime minus 2 % class AND that ALL of those who are in that class will legitimately have their previous terms retired and replaced with the new terms that will go into effect on XX/XX/XXXX. 
They really could n't answer those above questions to my satisfaction because they did n't see that I was associated with the Prime minus 2 % terms and because they said that, as of XX/XX/XXXX, my rate dropped from 2.25 % down to 0 %. While Prime minus 2 sounds like a real fantasy, 0 % sounds to me like an outright mistake OR some deviously planned technicality wherein Chase may have found a loophole under which they could obtain the legal grounds to later make the changes that I now face. 
Thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX XXXX XX/XX/year> Recipient Name or Department Goldman Sachs and co XXXX XXXX XXXX XXXX, PA, XXXX ] Subject : Fraudulent Account Dispute Dear Goldman Sachs and co or " To Whom It May Concern '', I am writing to dispute an account that appears on my credit report ( or statement ) and that I believe has been opened fraudulently in my name. I discovered this account on [ date you discovered it ], and it has caused significant concern. 
Details of the fraudulent account : Creditor/Company Name : Goldman Sachs and co Account Number : XXXX Amount : {$2100.00} Date : XX/XX/year>XXXX  I did not open this account, nor did I authorize anyone else to do so on my behalf. This account is not mine and should be removed from my records immediately. I have taken steps to protect my identity, including filing a police report ( if applicable ) and placing a fraud alert on my credit file with the major credit bureaus. 
Enclosed, you will find the following documents to support my dispute : A copy of my government-issued ID ( e.g., drivers license, passport ). 
A copy of my credit report highlighting the fraudulent account. 
A copy of my police report or FTC Identity Theft Report ( if applicable ). 
Any additional documents you require to verify my claim. 
Please investigate this matter and remove the fraudulent account from my records. I request that you provide me with a written confirmation of your findings and actions within 30 days. 
If you require any additional information, feel free to contact me at [ your phone number ] or [ your email address ]. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Consumer Loan

Quick Bridge funding procured my personal information in order to fill in the missing pieces such as social security number and signature and process and approve a loan for my business on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

Quick Bridge funding added my social security number to an application in order to run my personal credit. Quick Bridge provided me with documentation purporting to be authentic. However, after reviewing the documents, I discovered the following errors : 1. Applications were from XXXX companies not named Quick Bridge Funding 2. My social security number was added to XXXX application, clearly in a separate font, without my permission. 
3. No application number was included on the stated application 4. The address on XXXX application is incorrect 5. The signature on XXXX application is a photoshop copy of a general signature available through state documents. 

On XXXX XXXX, I spoke with XXXX at Quick Bridge funding and although he did try and defend his company, did admit that the problems mentioned above were accurately described. 

In my last written communication with Quick Bridge, I stated that I would escalate this matter if they did not pull their reporting off my personal credit by XXXX XXXX, XXXX.
Product: Mortgage

Planet Home Lending has reported me having a late payment for the XXXX bill and XX/XX/XXXX payments. We are in the process of buying a new home and this is being held up because of incorrect reporting that has been reported to credit and dropped my credit score over XXXX XXXX The XXXX bill was paid in full on XXXX XXXX XXXX was also reported late because of a simple error on my part by thinking since our current home was under contract and payoff was request with closing date provided, I wouldn't need to make anymore payments. As soon as I was notified and immediately made the full payment. I have payment proof that all bills have been paid timely within the 10 day grace period, I have called the company 20+ times to get this corrected. In XXXX they used a partial payment as principal only payment instead of normal mortgage payment which then threw every payment after that off by 2 weeks and assigned all payments to the wrong payment dates. after finally speaking with a supervisor I was told they would request for this to be corrected by XX/XX/XXXX because we are scheduled to close on our home XX/XX/XXXX. I called today and they are now saying it will not be corrected until XXXX I keep getting the run around and they will not tell my mortgage lending that it was an error on their end and that I was actually not late on payments. I have now paid {$1000.00} over the amount owed for XXXX  This is going to cause my family to be homeless because they can not get it together and make the correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous disputer letters to Equifax, XXXX and XXXX  to remove all inaccurate information like wrong name, wrong address, inquiries, accounts and public records. 
My name : XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX  XXXX, TX XXXX My DOB : XX/XX/XXXX Last XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX US XXXX XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Student loan

Key Bank Collection Settlement called and asked to set up a payment plan because my loan had defaulted ( I did not default, I filed for bankruptcy and was told that immediately defaults this loan ). I agreed to making a regular monthly payment. I have repeatedly asked for a statement with the current balance and payment history and have not received one for months, although I continue sending payment for fear of defaulting. I believe my right is to receive written notice of the balances.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on our recent communication regarding unauthorized accounts on my consumer report that are linked to identity theft. I never provided written consent or a wet signature for these accounts to be included in my report. 

I formally request the immediate blocking and removal of these fraudulent accounts from my consumer report. Their presence has caused me significant distress, both emotionally and financially, as they misrepresent my true credit history and obligations. These inaccurate entries have impeded my ability to achieve important financial milestones, such as purchasing a home and providing for my family 's needs.
Product: Mortgage

We had a HELOC ( Home Equity LOC ) with a company called " Specialized Loan Servicing '' ( SLS ) for ten years, which was paid off in full per their terms ( ten years maturity ) XXXX 2015. Our new lender and myself were in constant contact with representatives from SLS on the pending closing of our new mortgage. SLS was informed that the closing might happen a couple of days beyond XXXX/XXXX/15 due to additional paperwork required, but they understood, and stated it would not be a problem as they had their guarantee that the loan would be paid off. We paid this company for 10 years on time every month ( never late )! And I just received my credit report for XXXX/XXXX/15 and noticed my credit score had dropped about XXXX points ... .what! I have consistently held a credit score above XXXX and this company marked our last payment as late, which affected my great credit! I called them today and was told that I could sent a formal complaint ( by fax ), which I would get a response in 30-60 days! I am NEVER late on my bills and need them to remove this late payment, which was posted to my credit in error! Please help as this is the worst company I have had to deal with!
Product: Credit reporting or other personal consumer reports

XXXX  want to delete this account on my credit report called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1600.00}. This account is being reported to all the credit bureaus and it is hurting my credit score. Please remove this account on my credit report because the information is incorrect. I'm uploading verification of my identity such as a Massachusetts ID card and a Social Security card.
Product: Checking or savings account

My complaint regards service fees charged on my Bank of America ( BoA ) checking account.. I've banked with this institution and others it acquired since XXXX. The account was long ago set up so that if there was a combined balance of {$5000.00} or more between my various BoA accounts, no service fee would be charged and this was grandfathered in as the account shifted stewardship from XXXX  XXXX XXXX, to XXXX XXXX  and finally to BoA. Starting XX/XX/XXXX, a service fee of $ XXXX was charged due to a change of terms that I was unaware of. I have consistently kept well over {$5000.00} in combined balance at BoA, so I expected no service fee. The fee itself is well concealed in the monthly statement, first appearing buried on page 5. These monthly charges persisted till XX/XX/XXXX. The total service fees amounted to {$480.00} ( 40 months x {$12.00} ). 

I am a senior citizen. On XX/XX/XXXX, I phoned BoA customer service, and a complaint on my behalf by BoA agent XXXX XXXX. A similar complaint was filed for me by BoA agent XXXX XXXX at my local BoA branch in XXXX, MA. On XX/XX/XXXX, I followed up by talking via phone to BoA agent XXXX at an upstate NY. I asked if my complaint had received a review, but none had been issued. BoA is a major US bank, and I was highly disconcerted that on both of my XXXX and XX/XX/XXXX phone calls to customer service, the wait time before reaching an agent was over 30 minutes. This alone shows a lack of fiduciary concern. On the XX/XX/XXXX phone call, the conversation was terminated prematurely when the call disconnected after 51 minutes ( 33 of which were wait time ). The prospect of a 30 minute wait to reconnect deterred me from phoning again. 

As I have met the terms that were grandfathered in from the original account, I expect BoA to return my {$400.00} in disputed service fees. If that is not forthcoming, I expect a written review of and response to my complaint to be provided to me by BoA. I am highly dismayed at the shabby way BoA treats its account-holding customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE TWO SPECIFIC ACCOUNTS UNDER XXXX XXXX XXXX THAT IS REALLY OBSTRUCTING MY LIFE WHEN IT COMES TO WANTING TO PURSUE CERTAIN GOALS THAT I NEED TO ACHIEVE IN MY LIFE. THIS ACCOUNT WAS OPENED ON XXXX OF XXXX AND BOTH ACCOUNTS DISPLAY THE FOLLOWING BALANCES : {$4200.00} AND {$3300.00}. THESE ACCOUNTS ARE REFLECTING 90- DAY LATE PAYMENTS. I HAVE BEEN ATTEMPTING TO GET THESE NEGATIVE ACCOUNTS REMOVED FOR GOOD FROM MY CREDIT REPORTS SINCE XXXX OF XXXX AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. YOU HAVE NO IDEA HOW BALDY THIS IS AFFECTING ME WHEN IT COMES TO CHOICES I NEED TO MAKE. NEITHER XXXX, XXXX NOR TRANSUNION HAS DONE ANYTHING ABOUT THIS AND I HAVE NOT RECEIVED ANY RESPONSE FROM THEM EITHER. I DEMAND TO KNOW WHAT IT THE MEANING OF ALL OF THIS. THESE ARE REALLY AGED ACCOUNTS AND I HAVE REALLY DONE MY BEST AND WENT OUT OF MY WAY TO GET THIS ALL FIXED.