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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed - XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Late/Open Accounts : XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : $ XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$63.00}
Product: Vehicle loan or lease

WELLS FARGO AUTO ARE REPORTING THE WRONG AMOUNT ON MY CREDIT REPORTS AS OF XX/XX/23 THE BALANCE IS {$11000.00} BUT MY CREDIT REPORTS SAYS {$26000.00}. THIS IS A VIOLATION OF THE FCRA.
Product: Credit reporting or other personal consumer reports

AS I WAS REVIEWING MY CREDIT REPORT I FOUND THESE ITEMS ON MY CREDIT REPORTS!
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for practices were transaction, settled with insufficient balances, despite initially available funds, I believe these practices are unfair and request an investigation into my account transaction
Product: Debt collection

I learned after attempting to apply for a new loan my credit score was being effect by a collections agency for XXXX XXXX for {$51.00}. ERC is the debt collection agency. 
I did not know of this debt at all it's from a disconnect in XXXX and it was sent to collections in XXXX and this is the first I have known about it. I need to clear the matter so they settled it for {$33.00} and I asked for a letter that this is paid in full and that it will be removed/deleted from my credit. They refused only saying they don't do that and that they would send a letter confirming paid in full. I'm disappointed as this hampers my opportunity to get a loan at 2.275 % now my rate will be 2.99 % just because they would not be willing to note in the letter that this would be removed from my credit. 
I am very upset this is the only report on credit. Can you help. I did pay it off today XXXX
Product: Mortgage

My mortgage is held by XXXX XXXX XXXX XXXX in XXXX Illinois, but is serviced by LoanCare of XXXX  XXXX, VA. I scheduled a payment through the mortgage servicing company 's online portal for {$2400.00} to buy paid on XX/XX/XXXX. On XX/XX/XXXX, I cancelled that payment online and received an email confirming that the payment was cancelled. Believing that payment was cancelled, I scheduled a new one for XX/XX/XXXX for {$1200.00}. I had a change in circumstance and cancelled that payment on XX/XX/XXXX. Again, I received an email confirming that my payment was cancelled. On XX/XX/XXXX, the {$1200.00} was withdrawn from my account. On XX/XX/XXXX, {$2400.00} was withdrawn from my account. Now, my account is overdrawn. I still have a payment scheduled for XX/XX/XXXX for {$1200.00} that I also cancelled on XX/XX/XXXX. They are telling me that payment will be processed also. 

I reached out to the company on XX/XX/XXXX to have the funds returned to me since they are needed to pay other bills. At that time I was told that online payments have to be cancelled 3 full business days before their scheduled payment date or they will be processed despite the confirmed cancellation. I asked where this information was available to the public and was told that it is internal information that is not shared with the consumer. This is clearly a deceptive practice meant to materially harm the consumer and mislead them about the ability to cancel a payment. 

Their policy is that I must show them proof that the funds were withdrawn from my account ( even though they know they have the funds ). Once I provide the proof, then they will take 5 business days to process my request. At the time, they will mail me a check for the funds that they illegally withdrew from my account. This is a stalling tactic that again is intended to materially harm the consumer and deprive them access to their own assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

Address and charges listed are not reported correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : XXXX XXXX : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit card

I was living temporarily at the US and I had to open a secured card with XXXX $ to be able to contract some services in the US. They took straight away the money from my check account. When I moved to other country I cancelled the card but they said that they needed 90 days to get my money refunded in my account. After that period I checked my account balance and the money did n't appear in the account. When I contacted Wells Fargo customer service they said that they already sent a check to my address, but I was not living there any more! So they told me that I needed to receive in my new mail address an stop affidavit that I had to sign to have my money back. I never received that letter. I asked for it more than twice and it is the only international post mail that is not arriving to my new address. 
Wells Fargo refuses to give my money back despite they know that I never cashed that check. They refuse to use a certified post mail, e-mail or any other method that can ensure that the affidavit is going to arrive to my new mail address. They are literally robbing me XXXX $ because there is no way of having that money back. 
I would advice people to not open any secured card with Wells Fargo ever, they are going to lose their money. It has been more than 3 months fighting with their customer service with no resault.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding the credit reporting agencies ' failure to correct inaccurate information on my credit report. Despite submitting documentation on XXXX XXXX, the reported inaccuracies have not been rectified, adversely affecting my creditworthiness. 

I kindly request your intervention to investigate this matter promptly and ensure that the credit reporting agencies comply with their obligation to correct and update inaccurate information in a timely manner, as stipulated by the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Date XXXX XXXX Balance XXXX I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. 

Without Prejudice, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ACCOUNTS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.
Product: Checking or savings account

My debit card was stolen and XXXX fraud charges was made on my account at a merchant name XXXX XXXX XXXX. On XX/XX/year> a charge for {$4100.00}, and on XX/XX/year> a charge for {$3900.00}. My account was immediately closed on XXXX/XXXX/XXXX  without any proper notification. I called to report this issue and was informed my account had been closed, so there was no way for me to file a dispute claim for the charges made on my account. I'm writing this complaint requesting that this situation be governed for constructive fraud being caused by this major bank.
Product: Debt collection

I sent a letter to RENT RECOVERY SOLUTIONS on a debt of {$1400.00} which Im not under no obligation to pay. Please see the attached file.
Product: Credit reporting or other personal consumer reports

I need your assistance with this erroneous account appearing on my credit report. This issue has harmed my reputation, and I require your help.
Product: Debt collection

On XXXX XXXX, XXXX, i was notified that my old employer has been receiving mesages from this company and they had already asked it stop. I have a recording of a voicemail where they state I will be served in XXXX days at my place of employment and gave a " case number '' Of the filing. I called the number and was transferred to XXXX. I believe she pretended to not find the case in the system in order to ask me more information, as I repeated the case number several times. She went on to tell me I have a debt from XXXX, that I would be taken to court, that i committed fraud. I told her I was unaware of any of this. I was asking questions and she was getting worked up and rude. The voicemail left to me provided my address. I have received no communication from them whatsoever. I asked her to send me information so that I could review. She said doing so would be discovery. That they are a law firm and dont have to comply with collection company rules. Refused to send me anything. I told her there was a statute of limitations. She said there wasnt and mentioned some clause. She insited I decide to go to court or enter into a plan to pay by XXXX year. I told her i could not do that as i dont even have details as to what this is. She said i only had XXXX say to decide. Then she said she could give me medical exemption. I believe she was trying to trick me into acknowledging a debt. She kept asking if I wanted to go to court, she would let the attorney know. I told her i would do my due diligence and she hung up.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against cash app ( block , inc . ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX 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 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.

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, credit repair services, or other personal consumer reports

There has been fraudulent activity with my social security number. Equifax should be the first to recognize this. There are inquiries that have been disputed and they remain. They are clearly fraudulent and need to be removed. Please help me with this matter.
Product: Checking or savings account

On XX/XX/22 I opened a Wells Fargo Checking Account using their online portal. 

There was an option to fund the account after going through the process to open it. 

I utilized my XXXX savings account to initially fund the account ( {$25.00} ), using Wells Fargo 's online portal. 

I then closed the account on XX/XX/22 as I opened another checking account with wells fargo at my local branch. 

The funds were successfully debited from my XXXX savings account, but Wells Fargo has no record of the transaction happening. 

I have called Wells Fargo multiple times, taking to various teams but no one is able to locate the money.
Product: Credit card or prepaid card

1 ) Bank of America hung up on me two times when I tried to close my credit card account.

2 ) I have a $ XXXX credit due a refund for mattress purchase on my account after the account closure that they make difficult to request. I have been waiting on hold for 4 HOURS on the line for a customer service agent, waiting for anyone to pick up the line. I'm willing to bet that, should I let the call continue, l will progress through the night on hold. Strangely, I can't email them to request a refund, leaving me only with snail mail as an option for a refund. 

A process for a refund for my closed account credit is absent, after several searches.
Product: Debt collection

I was a victim of identity theft and person used information to open a XXXX XXXX card and purchased furniture with some of my information. 

I disputed this account and purchase with XXXX XXXX XXXX and was cleared by their fraud division. They sent a letter and had the account removed from my credit and provided a copy I have as well. 


I saw on my credit report a collection agency by the name of Simons collection agency and have disputed this with them directly. 

I was advised that I should fax in the information from the fraudulent XXXX XXXX card clearing my name and they would review it. 

I faxed the documents about 4 times and they never received them. I later delt with a representative by the name of XXXX XXXX who had my email them the documents to review. 

I later followed up with XXXX who told me these document are not debt they are collecting even though the amounts are the same. He later told me he was requesting a file from the company directly. 

My complaint is I was cleared of this Debt and the company most likely purchased this debt from XXXX XXXX or was hired in an attempt to collect on a debt I was cleared from.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account recently appeared on my credit report. 
XXXX ) XXXX XXXX XXXX XXXX. 
XXXX # XXXX This account does not belong to me and is fraudulent.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681a, this is my statement that accuracy and fairness of credit reporting was not established and therefore is a result of identity theft and must be removed. The current listed address is not related to me the consumer. According to 15 U.S. Code 1681b, consumer reporting agencies are required to adopt reasonable procedures for meeting needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer.
Product: Checking or savings account

It's been weeks now trying to get this whole fraudulent activity problem settled only for USAA to come back and tell me I'm responsible and to basically find another bank after 8+years of service. I've lost my money. 3 bank accounts. Money from my savings. And I have been evicted due to the issues caused because of all of this activity. All this and I still don't even know what's going on with my account since I haven't been able to access the account since XXXX. I feel as though this problem was handled very poorly and due to the " rules '' on fraudulent activity I'm at fault. What the point of asking for a police report it having me go through the multiple steps and representatives just to tell me that a decision was made without needing to look at those factors? I just don't get how the bank does something like this. You and your money is insured. I'm not. The bank is supposed to be my security against things like this and they're throwing me to the wolves. I'm now 1000s of dollars in debt with no way to pay my bills or get anything done. If just like to extend a very big thank you to USAA for helping make this experience the worse I've ever experienced in my life. I would suggest as a consumer that you go elsewhere because if anything funky happens with your account, they'll allow the scammer to do whatever suspicious activity and hold you accountable for not catching it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX and natural person, was denied credit by XXXX when I applied for a credit card, who is in possession/control of a legal person ( XXXX XXXX XXXX, so I am co-signing/the co-signer for the legal person when Im entering into any consumer credit transaction/consumer transaction.. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my own credit. 
You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by XXXX due to the response I received. 
XXXX is in violation of 15 U.S.C1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX 15 U.S.C 1602p. 
If XXXX fails to make any reasonable procedures to resolve this matter and compensate me the use of my credit card I will indeed make XXXX criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681n and 15 U.S.C 1681o.
Product: Credit card

I am filing this complaint regarding Discover 's failure to respond to my hardship assistance requests and their inadequate handling of my account closure. Here are the key events : On XX/XX/year>, I submitted a detailed hardship letter to Discover explaining my financial difficulties due to job loss and unexpected expenses. I requested a hardship payment plan for my balance of {$7200.00}, which exceeded my credit limit of {$5200.00}. 
I received no response to this initial request. 
On XX/XX/year>, I sent a second letter making a final appeal before my account 's scheduled closure on XX/XX/year>. 
Discover provided only a three-day window before account closure, which was insufficient for any meaningful negotiation. 
To date, Discover has not responded to either of my written requests for hardship assistance.