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

I have repeatedly attempted to get the public record of bankruptcy off my XXXX, equifax and XXXX credit reports. It is severely damaging my ability to get credit. The information is not verified by the XXXX court house because I have received in writing they do not verify information with any credit bureau.
Product: Credit card or prepaid card

My first complaint was filed in XXXX, XXXX. My second complaint was filed in XXXX, XXXX. Today, XX/XX/XXXX, I am filing yet another -- third complaint against Target Card Services, TD Bank USA, N.A. I made a {$480.00} purchase in XXXX, XXXX that brought my balance due to {$2600.00}. After making a payment of {$74.00} and adding the interest charge of {$51.00}, my XXXX, XXXX statement had a new balance due of {$2500.00}. My XXXX, XXXX statement reflects a {$77.00} payment, an interest charge of XXXX and a new balance due of {$2500.00}, and a payment due of {$76.00}. 

I called XXXX, at Target Card Services associate, on XX/XX/XXXX at about XXXX XXXX  and asked her what was my daily interest rate she said, 1.90. Well, last time I filed a complaint the daily rate was .00689, I asked XXXX why I had not been contacted concerning this new interest rate being applied to my account. XXXX said that I still had the 22.9 annual rate as well. My response was to say that I needed to file yet another complaint. 

This manipulation with my interest rate changing and fluctuations has to stop and TD Bank needs to adjust my current balance due to reflect the correct current interest rate that appears on the back of my monthly statement. Also, Target Card Services has never submitted to me a copy of the agreement that I signed stating that it was okay to charge a higher interest rate charge. I have repeatedly requested a copy via XXXXwo phone cals and one letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a notice letting them know the name on my credit file shows XXXX XXXX and its incorrect. I sent them a letter over a month ago my name hasnt been corrected.
Product: Credit reporting or other personal consumer reports

I had two hard inquiries on my credit report from XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX banking - XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX and XXXX XXXX XXXX, 2022 XXXX bank - XX/XX/2022 In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C XXXX XXXX XXXX banking - XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX and XXXX XXXX XXXX, 2022 XXXX bank - XX/XX/2022 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number
Product: Credit reporting, credit repair services, or other personal consumer reports

Essentially, the company has entered an unverifiable account on my credit report that I did not open. I made this fact clear to the company and provided evidence confirming identity theft and evidence from US authorities confirming that my personal information, including my social security number, but not limited to, have been compromised. Despite this the company continues to report this derogatory account. This is my last attempt to have this matter rectified amicably without the need for litigation ; thus I have engaged the CFPB.
Product: Debt collection

I checked my report in XX/XX/XXXX and had a Capital One account on my credit report. I had previously reported fraud and received a letter stating that I will not be held responsible as of XX/XX/XXXX.
Product: Credit card or prepaid card

I contacted Chase by using its secure message center to inquire about the balance transfer fees when using the convenience checks. I asked representatives repeatedly about the fees to see if the bank would be able to adjust the fees PRIOR to using the checks. The representatives responded and stated that they would not be able to do anything UNTIL the checks were posted to the account first, then they'd be able to see what they could do to assist me. I stated a couple of times in writing that I was unwilling and unable to pay {$920.00} in fees as it's exorbitant. And, I stated that I was unwilling to take on the risk without getting assurance that Chase would consider adjusting the fees. 

Then, I went ahead and deposited the checks because they had to be posted first in order for Chase to review my account and assist. The fees were posted to my account. I then immediately followed up with Chase and did not get a response. I had to follow up again by phone to discuss the matter. They denied my request and said they could not adjust the fees because the system would not allow them to do so. I felt cheated and led on because had they told me at the outset, I would NOT have used the convenience checks. I feel Chase has taken advantage of me. I then wrote a letter to dispute Chase 's decision along with supporting documentation of my e-mail correspondence with Chase representatives for proof. Further, I escalated the matter to Chase Executive Department for a second review due to the decision being totally unfair and unacceptable. I recently received a phone call from XXXX in the Chase Executive Department stating that the fees would not be waived. I find the whole situation completely unacceptable. As I mentioned previously, I would not have used the checks had I received a straight answer that the fees would not be adjusted after posting to the account. I was baited and led on.
Product: Credit card or prepaid card

I have been a great customer with Discover for years always paying on time. I was threatened in signing a document to obtain all my tax records with a third party affiliate of XXXX  to do this if I refused they would close my account a report it as fraud. They did that and reported it with my other creditors. Im an XXXX XXXX and cant get stressed this caused me to have to go to the hospital. I checked my credit report today and my credit has gone down 152 points. This is causing a great deal of stress and fear that I may have a XXXX XXXX. They have ruined my credit. Discovers corporate will not contact me back.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$610.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1600.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$850.00} Open Date XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

It was too hard inquiries on my XXXX XXXX from Equifax. Ive had identity theft from Equifax from their breach, I even had to do a two way authentication after finding out the cards open on my name. 
XXXX XXXX XX/XX/XXXX - hard inquiry XXXX XXXX XX/XX/XXXX -hard inquiry XXXX XXXX  XXXX XX/XX/XXXX {$1000.00} XXXX XX/XX/XXXX {$1400.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about my financial safety.
Product: Mortgage

My wife and I refinanced our home loan. The interest rate did drop but they added {$110000.00} to the principal loan without telling us, and unable to tell us even now why it was increased.
Product: Checking or savings account

I have not been able to open a checking account in years I have no ideal why this is happening. Had fraudulent banking account activity from XXXX XXXX on my credit report a few years back that has since been disputed and removed from my report I have tried to open checking accounts with XXXX XXXX XXXX XXXX who also did a credit report that I did not authorize bank of america also did an unauthorized viewing of my credit report they have also send me an email stating they will contact me through email when my account has been approved have yet to receive that email I have also tried to open up checking account s with several other banks which have also obtained my debit card information social security number and unauthorized credit reports and denied me an account there after.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I writing out of consumer and investor concern in regards to Wells Fargo Advisors and Wells Fargo Bank in XXXX, GA. I was employed with Wells Fargo Advisors in XXXX from XXXX of XXXX until XXXX of XXXX. I have 27 years in the financial planning business. Wells Fargo Advisors and Wells Fargo Bank is intentionally not updating/changing the agent of record on all annuities when a financial advisor resigns or leaves their firm. Is this localized or is this nationalized? Each region operates independently. Some of these annuity statements still have my name on them as broker of record. How is this possible? They are using my name without my consent as well as jeopardizing my integrity. Is this a risk to me to be associated with Wells Fargo in this manner? I have old ( that did not transfer to my new firm ) clients asking why do I still have access to their annuity when I am no longer employed with Wells Fargo. This puts me in an awkward position. Wells Fargo Advisors is putting my integrity at jeopardy candidly. As stated, I have 27 years in this business and take great pride in doing business the transparent and compliant way. I have been separated from service for 18 months and still the agent of record on these annuities. This means I can still call the annuity carrier and obtain contract information WITHOUT the clients consent. Is this in the best interest of the client and consumer? 

How does this fit REG BI ( FINRA Best Interest Rule ) and in the best interest of the client?

One interesting detail is most of these annuities are under the {$250000.00} account threshold minimum. Wells Fargo Advisors pays no commissions on annuities/households under {$250000.00}. So at the expense of the consumer, they are placing all annuities into a house account and retaining the revenue while jeopardizing confidentiality of the client. Please address this unethical behavior. 

Below is a link to the Wells Fargo Advisors recent article relating to small household payouts. Please read. 

Per the client 's request, there is a copy is a client statement that they sent to me out of concern. Please see attachment as as well. 

My concern is this similar to HIPPA by breaching client confidentiality? 

XXXX XXXX XXXXXXXX
Product: Mortgage

Around XX/XX/XXXX, I was notified my mortgage service provider had changed from XXXX to Valon, my mortgage is fixed at 2.75 % with a monthly payment of {$2600.00}. On or around XX/XX/XXXX I received an Escrow Account Disclosure from Valon stating my escrow funds were short {$3200.00}. On XX/XX/XXXX I paid the {$3200.00} to avoid paying a higher monthly mortgage. After disagreeing with representatives at Valon it was discovered their escrow had made a mistake. On XX/XX/XXXX I received an email stating Valon had made a mistake with my Escrow Account Disclosure and my mortgage would increase {$120.00}. At this time I have paid the {$3200.00} and my monthly mortgage has still increased {$120.00} on a XXXX fixed mortgage. My property taxes for XXXX XXXX XXXX has increased {$7.00} from {$6600.00} to {$6600.00} between XXXX and XXXX estimates. I have not received any money in return from Valon nor have they returned my mortgage to {$2600.00} and my insurance was not paid until it had expired. Every conversation I have had with Valon has been met with no explanation of these errors nor have I received any money back since paying these bills. I would like to see an investigation opened against Valon and their business practices
Product: Payday loan, title loan, personal loan, or advance loan

Have a loan with one main financial in there judgment they are responsible for letting consumers know there account was affected I've been asking the csr don't know anything about it so how do I know if my account was affected and owed compensation if the employees don't know about it talk to representatives tonight and nobody knew or heard of the lawsuit or judgment
Product: Debt collection

While going through the process of a refi we discovered my wife had an unpaid debt from a period while we were legally divorced. We agreed the debt was valid but had never received notice of it 's existence. When we contacted the collector ( XXXX, from LOUISIANA RECOVERY SERVICE in XXXX, Louisiana ) they were not receptive to settling the debt for anything less than it 's actual amount. That was satisfactory because we concur it was owed. We made clear we wanted it deleted and not simply marked paid. The collector stated he would remove the debt after it was paid in full, but within 45 to 60 days, or for an {$11.00} deletion fee, he could delete it within a week. We agreed to that as well but asked to have that agreement in writing before sending payment. He stated that it was their policy not to send such agreements in advance. He stated he was bound by federal law to follow through on any promises made. He went on to state the conversation was recorded and that would be my proof. I disagreed, arguing I had no access to his recordings. I informed him I wished to call an attorney friend for advice before going forward. My attorney friend advised me to insist on a written agreement. When I called back approximately 5 minutes later, he again resisted and informed me there would be an additional transaction fee of {$7.00}. I became increasingly uncomfortable as he repeated the disclosure statement : " this is a call from a debt collector and is being recorded '' before answering any additional questions asked. This sent up a red flag indicating to me there would n't be continuity in his recordings if we ever needed them recalled. It was simply odd and absurd he would keep making that statement. We informed him we would call back the following day to reach an agreement in the presence of an attorney. He is resistant to that now too, not answering either my wife 's or my phone. I contacted the BBB with a complaint and sent him a certified letter the next day outlining my concerns. I also advised him, I 'd be contacting the FTC as well. That brings me here now.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Docs!! After recently submitting a dispute to your agency I see that these following accounts have come back verified when theres nowhere on my consumer report that states when the account was verfied. As a consumer it is my right to know what methods of validation was used to verify these accounts are in fact because these accounts are very much giving fraud and are not mine! If you can not provide the MOV to the below questions I must immediately demand the permanent removal of this/these items from my consumer report!. 


I have carefully reviewed the Metro 2 Credit Reporting Guidelines, which specify the proper procedures for the accurate reporting of consumer credit information. It is evident that the aforementioned items do not adhere to these guidelines, and as such, I kindly request that you investigate these inaccuracies and take appropriate action to rectify them.
Product: Credit card

I wish to be reimbursed for a {$590.00} membership fee and a {$170.00} authorized user member fee charged on XXXX XX/XX/XXXX due to coverage under the XXXX as an XXXX XXXX service member ( since XXXX, at the time of account opening, and to this day ). In addition to this, I seek XXXX additional sky miles in compensation for time, inconvenience, and as a show of goodwill as a Citi customer for more than 10 years. 

XXXX XX/XX/XXXX- Citi issued/mailed letter determining that my account doesn't qualify for XXXX benefits XXXX 

XXXX XXXX - Phone call to Citi 's Military Response Unit ( XXXX ) explained to me why I didn't qualify for XXXX benefits. However, discussion revealed that my XXXX status wasn't reflected correctly in a credit report pulled by Citi. Technician noted that Citi most often pulls from XXXX credit bureau. Technician said theyd call me back after emailing the back office with information from the call. No call back occurred. 

XXXX XXXX - XXXX XXXX XXXX XXXX ( XXXX ) Status Report ( certificate ID XXXX ) : " Based on the information you provided, XXXX possess information indicating that the individual is either on XXXX XXXX for more than 30 days or a family member of a service member on XXXX XXXX for more than 30 days based on the Status Inquiry Date. '' XXXX XXXX - Citi issued/mailed letter determining that my account doesn't qualify for XXXX benefits XXXX 

XXXX XXXX - Phone call to Citi 's XXXX XXXX XXXX ( XXXX ) confirmed XXXX determination but Citi was unable to provide information on why and was unable to escalate the issue or resolve it. I notified Citi that I intended to file a complaint with the CFPB and requested the credit card agreement and communications records. The technician said that they were unable to provide me with the communication records without a subpoena. The technician informed me that they would email their back office to notify them. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I notified experian through several disputes concerning the charge off from XXXX in the amount of {$14000.00}. 

According to the IRS publication 4681, if a debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the XXXX form. The IRS treats debt as income and income can not be reported on any credit report. 

This is also a violation of my rights according to the Violation of privacy act of 1974.
Product: Debt collection

My rights have been violated, pursuant to 15 USC 1692 G. I traded in this vehicle on XX/XX/2022 and have documentation stating it was paid in full by the dealership. I have disputed this twice via email with the lender with the last date being XX/XX/2022. The lender ( Exeter XXXX ) claims they have no dispute on file and have reported late payments and a debt still on my credit report.
Product: Debt collection

This is a debt buyer of an old payday loan account that was included and Discharged in my past bankruptcy in XXXX. The bank that I was with when I got this payday loan was also included in my last bankruptcy and is discharged successfully. 

However, this creditor keeps calling all around to my family members houses, they call their cell phone numbers, and on their XXXX accounts, as well as mines EVERYDAY while trying to collect their {$1000.00}. 

I have reported them already to the FTC, and to the local police. They have been posting this debt on my credit report every month since XX/XX/XXXX. This debt has caused my credit scores on all of my credit reports and made it impossible for me to obtain fair credit to purchase a house, buy a new car, or obtain a loan, or anything based on credit. Indeed, this is a scam, discrimination, harmful to me personally, and to my credit reports. I pay all of my bills on time. 

I have disputed this creditor with all the credit bureaus and asked them to remove it, but they won't.
Product: Credit card

I have a high balance on my installment/credit card ( accountXXXX ) balance and NFCU denies loans or postponements.They denied the personal and home equity online applications today XXXX have a small savings account there XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX XXXX are fraudulently reporting my XXXX account with a balance and incorrect information. This account was settled in full based upon a written settlement agreement made between XXXX and their representative and myself. Disputes have since been filed multiple times with the credit bureaus and XXXX fraudulently reports the data to the credit bureaus as correct when it is not. XXXX and their collections group, XXXX also violated the Rosenthal act 5 times by contacting me between XXXX, despite being reminded they were violating federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting a complaint against Experian ( CRA ) for alleged violations of the Fair Credit Reporting Act ( FCRA ) as outlined in the Code of Federal Regulations ( CFR ). The credit bureau has failed to provide me with sufficient documentation to verify the debt they claim I owe, XXXX ( additional dates and account information was added with this complaint please review ) despite repeated requests. 

This non-compliance violates FCRA 611 ( b ) ( 7 ) and ( 8 ) by failing to furnish me with any documentation that bears my signature to confirm the debt. 

Additionally, they have failed to provide me with a copy of the original creditor 's documentation, as required by FCRA 611 ( b ) ( 2 ), to confirm the accuracy of the information being reported. Moreover, the credit bureau has failed to provide the method of verification as required by FCRA 611 ( b ) ( 2 ) to ensure the accuracy of the information being reported.

Due to their failure to provide the necessary documentation, the credit bureau has reported incorrect and inaccurate information to credit reporting agencies, which has had a significant impact on my credit profile and report. This violation of FCRA 611 ( a ) and ( b ) has caused me harm and inconvenience. Furthermore, I have also reported several complaints about the credit bureau inaccurately displaying addresses that I have never lived at on my credit profile.

I request that the CFPB investigates this matter and takes appropriate action against the credit bureau, including deletion of all unverifiable information and fair compensation for the harm and inconvenience caused to me, as outlined in FCRA 616 and 617. 

Please note that the definition of " verification '' as used in the FCRA and provided in XXXX  's Law Dictionary is : " The process of establishing the truth, accuracy, or reality of something through examination or authentication. '' Please note all documents have been notarized and mailed certified. 

I AM NOT REPRESENTED BY ANY CREDIT REPAIR AGENCY. 

Thank you for considering my complaint. 

Sincerely,