23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the ongoing issues I have been experiencing in my attempts to remove fraudulent items from my account. These fraudulent items are causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. 

I believe it is essential to provide an overview of the numerous attempts I have made : I first discovered the fraudulent items on my account and promptly contacted your customer service department. I explained the situation and submitted the necessary documentation, including provide a brief description of the documents submitted. I was assured that the issue would be resolved. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review, and I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated, and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items. I contacted your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The lack of resolution has taken a severe toll on my financial and emotional well-being. 

I request the following : Immediate and effective action to remove the fraudulent items from my account Clear communication regarding the status of my case and the steps being taken to resolve the issue. 
A formal written acknowledgment of the removal of the fraudulent charges. 
Compensation for any financial losses or damages incurred as a result of these fraudulent charges. I am asking for you immediate assistance to remo these items in my account : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$27.00} XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address a fraudulent account reported on my Clarity Services report, which is in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve this matter, this account continues to appear on my report and is being updated inaccurately. 

The fraudulent account details are as follows : Account Number : XXXX Company : XXXX XXXX Account Type : XXXX XXXX XXXX : {$0.00} Current Loan Amount : {$2900.00} Current Balance : {$3000.00} Payment Frequency : Biweekly Only Past Due Amount : {$420.00} Open Date : XX/XX/year> Status : XXXX  days past due Delinquency Date : XX/XX/year> Last Update Date : XX/XX/year> I am the victim of identity theft and have attached my official police report to substantiate this claim. While I have placed a freeze on my Clarity Services report, this fraudulent account is still being updated. This failure to remove inaccurate information is a direct violation of the FCRA, which mandates that credit reporting agencies ensure the accuracy of the information they report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XXXX took money without my authorization by getting my credit card expiration date and other information. How are businesses and banks allowed to take this information to charge customers. I was told it was in the terms of service but is it not also in the terms of service that a card has an expiration date? How dare they, these companies know we are a trapped regulated work force with no time to deal with going back and forth between merchant and bank to stop their fraudulent activity. Please help us and ensure that expiration dates are honored. They often honor the expiration date if it will generate a late fee. It is not fair that XXXX and barclay cards are allowed to do business with my money behind my back while hiding behind some small print.
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 XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

The issue is the annual escrow account disclosure statement dated XX/XX/XXXX. The letter states our mortgage will go up to {$1500.00} effective on XX/XX/XXXX. This is an increase of {$250.00} a month, which equates to {$3000.00} a year. The statement lists an escrow shortage of {$2200.00}. This is despite the fact our taxes went down {$130.00} as compared to XXXX. During our phone calls, no one, including supervisors, could explain why our mortgage payment would go up while our taxes went down. Clearly there is an error. We have continued to pay our previous amount of {$1300.00} based on the conversation we had on XX/XX/XXXX. I've attempted to contact LoanCare/XXXX  many times and did receive a letter from them. However, the attachments weren't there and the question ( s ) weren't answered. I've tried to call the number listed for direct contact but the message just say " unavailable '' and there is no option to leave a message. I've been working on this for 4 months now and they are charging late fees in spite of the fact one supervisor said to continue with my existing payment until escrow does their review. My question boils down to this : if I've been paying my mortage on time and in full for the last several years, why do I have an increase of {$250.00} a month XXXX $ XXXX XXXX when my taxes went down? They continue to site a " shortage '' but fail to tell me where the shortage is from and how it was calculated. 

Please help! 
XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX XXXXXXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Received two letters from XXXX stating that my accounts with XXXX were being sold to a collection agency XXXX. Acct ending in XXXX had a balance of {$3300.00} and acct ending in XXXX had a balance of {$3400.00} according to the letters. I reviewed my credit report with the XXXX credit Bureaus XXXX, Equifax and XXXX and noticed that the amounts and dates reflected on my reports were different than what the letter stated and that XXXX was also reporting as a separate account from XXXX on my XXXX report which made it seem like I had XXXX past due accounts instead of just XXXX. XXXX reports shows as follows : XXXX acct ending in XXXX balance {$3600.00} opened XX/XX/XXXX, XXXX acct ending in XXXX, balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} Equifax shows both XXXX accts the same as XXXX but no XXXX accts. 
XXXX shows no XXXX accounts but the XXXX shows as follows : XXXX acct ending in XXXX balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from XXXX. I never signed a contract with XXXX and my account with XXXX was included in a chapter XXXX bankruptcy that was filed XX/XX/XXXX so my account should not have been transferred or sold to XXXX or submitted to the collection agency XXXX. The inaccurate reporting done by XXXX and XXXX has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from the XXXX bureaus as they are inaccurate
Product: Credit reporting or other personal consumer reports

The reason Im filling this complaint is because the day of XXXX the XXXX my credit drop down to XXXX points without any explanation the only report that showed up in my credit was that XXXX XXXX did a hard pull which a could went down by XXXX to XXXX XXXX points but not XXXX points I called Experian Monday the XXXX to discuss the problem they never answered me so now Im filling this complaint to Experian.
Product: Debt collection

I disputed an account with XXXX on XX/XX/2019 but they keep verifying it. Cavalry LLC. attempts to collect {$1200.00} on the account that they can not provide enough proof that they have the right to collect. I wrote them asking to validate the debt but they keep sending me a computer printout which does not make any sense. They keep trying to collect and keep reporting the account without being able to verify it. they hurt my credit and I can not qualify for any loan.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Experian NEVER perform a real Investigation. Therefore, I have commenced the process of litigation in the federal court system... .. ... XXXX XXXX To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached - to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system Case No. XXXX XXXX XXXX in The Central District of Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Consumer credit report. Please delete ALL of the Following : 1 ) XXXX XXXX XXXXXXXX {$530.00} acct # XXXX 2 ) XXXX XXXX {$63.00} XXXX 3 ) XXXX XXXX XXXX {$370.00} acct XXXX 4 ) XXXX XXXX XXXX {$300.00} XXXX. 
. I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised!
Product: Credit reporting or other personal consumer reports

My account with the following company was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 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. This company 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 XXXX 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: Debt collection

I requested assistance from Experian verifying accounts were legitimate via disputes. All requests returned no proof of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Product: Checking or savings account

I called Wells Fargo XXXX Account Services today, XX/XX/23 at XXXX pm eastern time. XXXX. 

I asked to have my name and my son 's mother 's named removed from his checking account so we could not longer see his transactions. He is XXXX and deserves his privacy. 

However, the Wells Fargo representative told me all three of us had to go to a branch to have our names removed from his account. I then explained our son is away at college and my ex-wife and I do not live near each other any more. The representative then told me we could each go to a different branch and have a conference call with the branches and they " might '' be able to remove us from his account. Emphasis on " might. '' Further, trying to find a time convenient for the three of us when three different branches have the same appointment times seems to be insurmountable. Our son is in college, and both his mom and I work.

Her next suggestion was that since each of us had access to his account, we could close the account and then he could open another account on his own. I found these suggestions unacceptable.

Then I tried to file a complaint on Wells Fargo 's website while signed into the account. I searched " How do I file a Complaint. '' No results were found. Instead, I received a message saying " If you did not find what you are looking for, try the results from our public website. '' I attached an image of these results. 

Then I went to www.wellsfargo.com site and searched again for " How do I file a complaint. '' The results of that search returned XXXX results even after I narrowed down the search results by selecting XXXX filters. I also attached an image of the results from this search with this complaint. 

I then started scrolling through those XXXX results and gave up after not finding instructions. Probably after XXXX results or so, not the entire XXXX. I believe the search results are non-productive and maybe even intentional so customers get frustrated and give up on filing a complaint. 

Can there be any easier way to there any easier way to find out how to file a complaint other than searching in the manner in which I did in both ways which the bank suggested? 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have a credit card with Capital One. I pay the balance in full every month. I have {$1500.00} paid automatically via my XXXX XXXX Bill Pay. When I get the Capital One bill each month, if I have an amount owing, more than {$1500.00}, I pay that additional amount also via my Online Bill Pay. I also estimate any credits I expect to receive and deduct that amount. On my XX/XX/1918 bill, I had a previous balance of {$3800.00}. This bill showed that I paid 2 payments via my bill pay, each for {$1500.00}. I had two credits to the account for items returned. These amounts totaled {$690.00}. So in total, I paid and was credited {$3600.00}. Capital One charged me {$49.00} interest on a remaining balance of less than {$150.00}. I called and was placed on hold with four different people. One was supervisor XXXX, employee # XXXX. Each of these people told me that if my balance was not paid entirely in full at the end of the month, that they charge interest on the full amount charged during the month. My payments were only short less than {$150.00}. According to the " Interest Charge Calculation '' portion of my bill, I was charged 19.24 % interest on {$3000.00} even though I paid {$3000.00}. I used to work in credit, and unless the laws have changed, this is not legal.
Product: Debt collection

I received no notification of debt from the collection agency. I received no phone calls from collection agency. I received no email from the collection agency. I received no statement, phone call or email from the original creditor with regard to sending to a collection agency for collection. Further, my credit monitoring services showed no unpaid or outstanding amounts owed to anyone in the past year. 

In short, until the collection agency notified the credit bureaus of a collection, there was no prior communication or prior indication of a debt owed. How can you be responsible for not responding to a debt owed when no debt has been filed or claimed, nor notification by letter, email or phone has been received?
Product: Credit reporting or other personal consumer reports

After reviewing my credit report back in XXXX of this year, I noticed some fraudulent accounts that don't belong to me. I've never heard of these companies, and I haven't given anyone my information. I have been a victim of identity theft, and I would like the credit bureaus to do their due diligence and remove these accounts immediately. 

XXXX XXXX- POSTED XX/XX/XXXX with a balance of {$990.00}. 

XXXX XXXX XXXX POSTED XX/XX/XXXX with a balance of {$540.00}.
Product: Credit reporting or other personal consumer reports

Experian closed yet another complaint without addressing the issue again and state that the problem is not on my credit report well of course its not you have STOLEN NOW ALMOST 19 months of on time never late payments to XXXX and refuse to give them back but once again they will fix the problem for money
Product: Credit reporting or other personal consumer reports

I have attempted to refute several credit accounts on my XXXX profile and XXXX has never received or sent me verification of debt to prove that the debt is mine! There are many debts that are not mine but still appear in my report # XXXX.
Product: Mortgage

Bank of America filed a Notice of Default against my property at XXXX XXXX XXXX XXXX XXXX, CA XXXX on a HELOC. I have not made a payment on the 1st or the 2nd on that property since XXXX XXXX. I mailed Bank of America and XXXX XXXX debt validation letters and they denied my request and did not provide sufficient validation to collect any debt they claim I owe them. bank of America denied submitting information to me besides the usual note and deed of trust. Both debt collectors did not submit sufficient proof and evidence that I owe them any money. XXXX XXXX in XXXX XXXX ordered a BPO against my property showing their intent to foreclose and sell my house. Also, the statute of limitations to collect on any bond or note in California is passed as it has been over 5 years since I paid on the alleged debt. I have since XXXX submitted many letters and requests to validate this debt and I have spent a lot of money in doing this and none of the debt collectors have been able to prove and validate any debt they claim I owe them. Now Bank of America has filed a Notice of Default against my home and I am in danger of losing my house.
Product: Credit card or prepaid card

Hello, During the call with CSR on XX/XX/2020, I received the promotional offer that awarded {$95.00} statement credit and XXXX Thank You points after spending {$1000.00} per month for 3 months. I completed the terms of the offer but have not received the bonus. 

I called the customer service again to inquire why I have not received the bonus and was told that due to their system processing the offer the qualification " month '' started on the XXXX of the month. It turned out, my monthly spend in the " month '' of XXXX was {$960.00} XXXX {$35.00} short of {$1000.00} required ) because I made {$310.00} in purchases on XX/XX/XXXX that were counted for the previous qualification " month ''. 

I was never told during the initial call on XX/XX/XXXX that the qualification month actually starts on the XXXX day of the month, not the day of offer acceptance. I was never send the offer terms in writing with the specific qualification requirement spelled out. There was no way to confirm the terms of the offer ( or check the progress ) in my online banking account. I believe this is done by design to confuse and disqualify customers for the bonus. 

Therefore, I believe Citibank practices related to this offer are an example of clear misrepresentation of the offer terms and request that my account be credited {$95.00} per offer that I orally accepted during the XX/XX/2020 phone call with Citi customer service.