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

On XX/XX/XXXX , I entered a 60 month lease agreement with Wells Fargo Auto Lease Exchange on a   XXXX   XXXX   XXXX    Never late on payments. Lease end date was scheduled  XX/XX/XXXX . My last payment direct to WF was XX/XX/XXXX  On  XX/XX/XXXX , my auto insurance paid off the book value of the vehicle after I encountered an accident due to an ice storm.. insurance claim paid WF full amount of their payoff request   XXXX    plus the   XXXX   I had already paid in 60 months of lease. Now, Wells Fargo is reporting me as a charged off credit card fo {$25000.00} on   XXXX   as of today and. Charged off installment loan for {$25000.00} on  XXXX  as of today! The company that I leased from on XX/XX/XXXX  called WF Lease Exchange and have been out of business for years! Wells Fargo Bank is reporting these fraudulent damages to the bureaus which has prevented me from getting an auto loan for more than 5 years now after I paid the lease agreement terms on time fr om  XXXX  to   XXXX  and they were paid the deficit of the vehicle value by my insurance company! Total they were paid over 35,000.00 for a   XXXX   XXXX   XXXX  r in less than 5 years and have been reporting charge off and passed due credit card installment accounts since  XXXX
Product: Debt collection

XXXX repossessed a XXXX sold it at auto auction and expects me to pay the total amount of the loan no discount for selling the car. XXXX sold this account for pennies of the dollar to Calvary portfolio Services of XXXX New York acct # XXXX wo called me at home atd told me I was a XXXX who skipped out on my debts. This is n unscrupouls collection agency who has no business calling me. XXXX did not have any business trying to collect the whole amount without any discount they are both recording as a negative on my credit report. only XXXX but not XXXX
Product: Debt collection

I am an XXXX XXXX XXXX XXXX. I signed a lease with XXXX XXXX, beginning in XX/XX/XXXX with a rent of ~ $ XXXX. The agreement included a rent concession of XXXX months rent that was applied to the month of XXXX. In XX/XX/XXXX, I delivered formal notice to terminate the lease, effective XXXX XX/XX/XXXX, after receipt of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) orders. Months after vacating the premises, I received a call from XXXX XXXXXXXX XXXX, indicating that I had an additional charge requiring repayment of rental concessions due to early move out. I informed the individual that I vacated the residence due to mandatory PCS orders, and that a requirement to repay rent concessions would be a violation of the Servicemembers Civil Relief Act. I also learned that my {$500.00} security deposit was retained and applied to this erroneous balance. He apologized profusely and said he would take care of everything immediately, in addition to ensuring my security deposit was returned promptly. In XX/XX/XXXX, I received notice that an account with a matching balance was being sent to collections under Columbia Debt Recovery and Genesis Credit Management with original creditor XXXX XXXX XXXXn the amount of {$1700.00}. AFter dispute with XXXX, XXXX, and XXXX, these improper collection accounts were not removed. This violation of federal law has caused undue burden, hardship, stress, significant damage to my credit, in addition to exponential financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an auto loan on my account that was with XXXX XXXX XXXX XXXX. It was included in my now discharged XXXX XXXX bankruptcy, surrendered to a third party, my ex husband. XXXX XXXX XXXX XXXX did not file a reaffirmation agreement with the court. The ex husband made a separate agreement with XXXX XXXX XXXX XXXX to pay off the vehicle and has been paying it, in fact paying it off this month. XXXX XXXX XXXX XXXX continues to reflect this negative reporting on my credit, I have disputed with XXXX 4 times and XXXX XXXX XXXX XXXX 1 time. I have also an open dispute with Equifax as it appears they reported it accurately in XXXX but XXXX XXXX XXXX XXXX reported it again negatively in XXXX. It is shown accurately on XXXX reporting " included in bankruptcy ''. I will continue to fight this until the two credit bureaus show it accurately as " included in bankruptcy '' as XXXX XXXX XXXX XXXX is being deceptive and lying in that they have a separate payment arrangement made with my ex husband, that has nothing to do with me as surrendered the vehicle in 2017. This is wrong, and it is damaging to my credit reporting preventing me from being able to obtain financing on a new home. As a single hard working mom, I will always fight for what is right to defend my home, my son and our livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau has failed to remove my disputed items. They have not sent proof of Validation for any of the following Disputed Items. 

The 1st Dispute letters were sent out on XX/XX/XXXX, This letter asked for any copies of documents that they have that verifies the accuracy of the accounts. These letters were sent to TransUnion, XXXX, and XXXX. They failed to send any proof of validation of the debt. The Second letters were sent out on XX/XX/XXXX. The third was sent on XX/XX/XXXX. No proof was every mail to me, the only item mailed to me was a bill sent from XXXX XXXX XXXX. 

After looking at the Fair Debt Collection Act, I have found many violations that the Credit Bureau is allowing to happen. I have sent these violations to each Bureau with an attached Invoice for their lack of protecting the consumer right.
Product: Credit reporting or other personal consumer reports

A collection account XXXX XXXX for the amount {$320.00} was deleted from my XXXX Credit Report for false reporting but not yet for my XXXX and XXXX Credit Report ; therefore its reporting inaccurate on both XXXX and XXXX and need to be updated.
Product: Checking or savings account

I applied to open a checking account with CITIBANK. They approved it and I made a mobile deposit of my tax return of {$1200.00}. The next day I discovered they closed it and blocked any access to my funds. They said it was because of information theg get from early warning systems. I have been unable to reach an to help me understand what that information was. I live in XXXX XXXX Michigan. The closest office is in XXXX, and on top of it being far away, there are travel restrictions in place. I desperately need my money back. Please help. All I want is to move my money out to another account I have at another bank. They refuse to help me in any way.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX Account Balance : {$32000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the recent breach of the databases at Equifax, I have been notified that my SSN, credit report, and personal information may have been compromised. I have put a 90 day credit alert on my report with XXXX and would like to file a claim here ; as in the case that any of my information is misused and my credit suffers it is on Equifax for their inability to guarantee the security of this information.
Product: Debt collection

First I want to say that I do not agree with this debt, and I've never had a signed contract with this company. I originally discovered this collection account on my XXXX XXXX report last year and now it's been added to my XXXX report as of XXXX. I had requested back then a debt validation later due to never receiving an attempt to collect a debt and/or a right to dispute before this appeared on my credit report. The debt validation response that was sent to me was very little information about the dept. I was provided papers of some online activity and interest rate schedule, but I didn't not receive the original signed contract nor did I receive any billing and payments summary schedule of payment history from the original creditor. I was not provided the right to dispute, and based one the Fair Credit Reporting Act, I should've of been communicated regarding this collection account before negative information was reported to my credit report.
Product: Credit reporting

XXXX XXXX XXXX. In XXXX, Oklahoma I have never see this address and never loved at that address. Why is this on my credit report is somebody using my name XXXX XXXX
Product: Checking or savings account

JC Morgan Chase did not correctly respond to my complaint numberXXXX Our final payment was initiated at the dealership, not by us. Therefore it is impossible for us to cancel the auto payment after the auto loan and then paid off. 

Continued to draft account, and then in the response charged us with the responsibility of canceling it, which is impossible. 

Drafted of funds from our account should have been returned within 48 hours, even though the bank Identified that the rejected should be credited to our account The funds fundamental were held for almost 3 weeks This delay in processing is in direct Violation of banking regulations specifically for mission time frames.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : WORLD FINANCE Account number : XXXX
Product: Debt collection

My wife left me a XXXX  of months ago. Just recently I started receiving notifications from debt collection agencies for debt that I didn't create. My wife had taken out several credit cards and loans in my name and has me {$30000.00} in debt. I froze my credit and filed a fraud report with the credit bureaus. I tried to file a police report and reported this to the prosecuting attorney, but neither one would let me report this situation since we are still leagll married.
Product: Checking or savings account

Wealthfront recently had an offer where employees of certain companies, were given an additional 1 % APY boost for the money ( up to $ XXXX ) that was sitting in their individual cash account for 3 months. I referred XXXX people for this ( on XX/XX/XXXX, XX/XX/XXXX and XXXX ) and yet Wealthfront has only rewarded me for XXXX of them. 

What is misleading is that when I login to check the status of my rewards on the rewards page ( see attached ), I see a visual that shows that I am earning " XXXX % APY boost active until XX/XX/XXXX '' which makes sense. However, the same visual also shows that it is possible to earn the XXXX % boost up to 6 months ( with the unshaded grey bar clearly showing a 3 month and 6 month end date ). 

This seems extremely mis-leading and I believe violates a considerable number of terms related to miss-selling. Wealthfront is showing the visual with a 6 month horizon for the 1 % boost but in reality, that offer is capped at 3 months so why would you show a " progress bar '' with a 6 month indicator on it?
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2020 I paid off my second auto loan with XXXX XXXX XXXX XXXX in a one year 's time I paid off two car loans one for around {$8000.00} and another one for around XXXX when I paid off the loan for {$12000.00} I still owe like {$3500.00} I paid that {$3500.00} and I asked experience if they get updated after 30 days had passed instead of updating it they took it off my credit report now XXXX XXXX XXXX XXXX and our Experian one of them refused to place the paid auto loan back on my credit report and it dropped my score almost 100 points
Product: Credit reporting or other personal consumer reports

I am writing to you yet again regarding a persistent issue on my credit report concerning my XXXX account. Despite my multiple previous letters, the error has not been rectified, and I must insist on your immediate attention to this matter. XXXX XXXX  has confirmed that a mistake occurred due to an issue with their recording software, which resulted in my payments not being processed accurately. Consequently, my account has been inaccurately reported as delinquent. XXXX has acknowledged this error and has agreed to update the status of my account to reflect that it is open and never late. They have assured me that they have communicated this correction to all relevant credit reporting agencies. Despite this, the erroneous information remains on my credit report, unjustly affecting my credit score and financial standing. This is causing significant distress and potential financial harm, and it is imperative that this error be corrected without further delay. 

XXXX XXXX  XXXX
Product: Checking or savings account

Hello, I can not access my account. I logged in correctly via their site. When I get prompt to request code via text to my phone, it will not send it to my phone. I noticed a couple of weeks ago I had to hit resend to get the code, now I can hit resend several times and no code comes. I called PFCU and no one seems to have answers. It seems un acceptable to mot be able to access my accounts. NOTE- a few weeks ago, I had to reach out to you as I could not update my password to update security to my accounts. Only after contacting you did it get resolved. There are obviously issues at PFCU when it comes to software management. Please help and advise. thank you
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$15000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX, XXXX. XXXX Balance : {$9900.00} XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$33000.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX. ) XXXX Balance : {$1500.00} XXXX  XXXX XXXX  XXXX XXXX Balance : {$490.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I cancelled ALL of my wireless services with XXXX XXXX XXXX XX/XX/2014. I paid all of the early cancellation fines. XXXX XXXX XXXX, for some reason, left one of the accounts open. I called the following month after receiving another bill and they said they could not explain why and said I was responsible for the extra months payment. I refused and they refused to budge. They turned it over to collections. I DO NOT OWE THE MONEY. I refused to be bullied by them and will fight as a matter of principle.
Product: Credit card or prepaid card

On XX/XX/XXXX I had 3 Refunds post to my Chase Credit Card, these credits posted on XX/XX/XXXX. Each refund was priced in Euros and then converted to USD. The exchange rate I received was XXXX XXXX 's website states the Foreign Currency Transaction rate for purchases on XXXX with a 1 % bank transaction fee is XXXX, on XXXX that rate was XXXX ( see bottom of page ). With no foreign transaction fee, the rate on XXXX is XXXX. The rate I was given by Chase Bank, who has stated they have nothing to do with Foreign Currency Rates, is approximately 93 % of the XXXX Transactional rate, that means either Visa or Chase is charging a 7 % foreign currency transaction fee on refunds to credit cards. No where does Chase or XXXX list that they charge a 6-8 %  foreign transaction fee on refunds. XX/XX/XXXX XXXX This transaction posted on XX/XX/XXXX Additional merchant and transaction information Rate XXXX Return {$8.00} Currencies fluctuate every day. The rate shown is effective for transactions submitted to XXXX on XX/XX/XXXX, with a bank foreign transaction fee of 1.0 %. XXXX Euro = XXXX United States Dollar The " currency calculator '' below gives you an indication of the cost of purchases you make when traveling internationally. Euro to United States Dollar XX/XX/XXXX XXXX EUR = XXXX USD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My credit limit was taken from XXXX to XXXX in XXXX of 2021.
Product: Credit reporting or other personal consumer reports

Fail to properly investigate my requests regarding inaccuracies in my credit report despite my submission, transunion consistently response within XXXX hours stating that the account is accurate without providing any evidence of a thorough investigation, this practice violate the fair credit, reporting act 15 USC 1681 which mandates for a reasonable investigation of disputes for the more transunion actions may also contravene the consumer financial protection at 12 US C553681 a B as highlighted in CFPBs recent administrative proceeding file number XXXX against them for similar violations I request the CFPB take action ensure transunion complies with federal law, and provide consumers with the necessary proof of investigation
Product: Money transfer, virtual currency, or money service

I made a transfer of XXXX XXXX XXXXXXXX the XX/XX/23 to an account of Wise in the XXXX using my premier account of HSBC. After ten days that the recipient did not receive the money and his bank confirmed him that the money was sent back to HSBC because they changed the account details I contacted my bank. I have already contacted them several times and they said they are investigating the issue but do not give me the money back nor does the recipient receive it. 
I asked the bank to give me back the money or send it to the recipient and close my account but they refused to do it.
Product: Credit reporting

On XXXX XXXX, 2016 I discovered that I was a victim of Identity Theft and filed an Identity Theft Affidavit with the FTC.gov. I gathered my credit reports, ID documents, Police Report, Affidavit and sent them along with a letter indicating that I was the victim of Identity theft to Equifax , XXXX and XXXX. I have NOT receive a response from Equifax or XXXX and the fraudulent accounts and information remain on my credit report. XXXX has removed ALL of the fraudulent information from my report. Equifax has been known in the pas to deny the blocking of Identity Theft information from consumers reports in the past and has had to pay an Oregon woman XXXX dollars in a law suit that Equifax lost for failing to comply with federal law and removing identity theft information from a consumers report. I will be filing a lawsuit against Equifax and XXXX for failing to comply with Federal Laws particularly the FCRA Sec. 605B.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT This letter serves as a formal notice of dispute regarding the inaccurate and invalid debt reported on my credit file by YOUR COMPANY.I am fully aware that this debt which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for a fraction of its original value. I am invoking the arbitration agreement outlined on your companys website and the arbitration rules specified at adr.org. 

The initiation of arbitration will impose significant costs on YOUR COMPANY including filing fees, arbitration initiation fees, arbitration deposits, and potential legal expenses. The cost to initiate arbitration alone exceeds {$3000.00}, with the total expenses likely reaching tens of thousands of dollars. 

Given these considerations and the severe mental distressXXXX XXXX emotional distress, and financial hardship this situation has caused me, I am extending a one-time opportunity to settle this matter amicably. My demands are as follows : 1. Payment of {$6000.00} to compensate for the damages incurred. 
2. Immediate deletion of this trade line from all credit reporting agencies to which it has been reported. 

Settling this matter as proposed will allow YOUR COMPANY to avoid the substantial costs associated with arbitration. Failure to resolve this matter amicably within 15 days of receipt of this letter will leave me no choice but to proceed with arbitration, incurring the aforementioned expenses for YOUR COMPANY. 

Additionally, I demand that XXXX XXXX XXXX cease and desist all illegal activities, including contacting me through any medium other than mail. Under 15 U.S. Code 1692c ( c ) : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt This letter serves as your official notice under 15 U.S. Code 1692c ( c ). All further communication must be in writing and sent to the address provided Below as well as the arbitration agreement attached You have 15 DAYS to respond to this settlement request. Failure to respond or provide a satisfactory resolution will result in immediate arbitration proceedings. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX