23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I mailed a negotiable instrument to wells Fargo branch at XXXX XXXX XXXX XXXX XXXX CA XXXX for the amount of XXXX XXXX I previously went in there with the original copy of the bill of exchange but they refused to accept it because they said it wasn't signed under seal. So I signed it with my corporate seal and mailed it to them with very basic but clear instructions asking them to discount the bill of exchange and transfer the funds to my account number. I also put In the instructions to send the bill of exchange back to me if they couldn't accept it. Well they did neither the bill was sent registered mail to the wells Fargo branch on XXXX XXXX XXXX in XXXX CA it was received by them on XX/XX/2022 I have the receipt from post office showing they received the package. I think it's wrong for them to have kept the negotiable instrument that was filed correctly under Uniform commercial code
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing regarding account number XXXX. I am not disputing nor agreeing to the account. Please provide the following information in writing : The date of last payment for the above mentioned account The date of first delinquency for the above mentioned account The date in which the account was closed for the above mentioned account Thank you for promptly addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S. Code 1681c2 - Block of information resulting from identity theft. I did not sign any contract with a collections agency, I am not legally obligated to them. The items below have violated my rights. 

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

I have called XXXX XXXX XXXX numerous times on a count that was listed on my credit report from Sears credit card through Citibank the card was not mine the account was not mine the balance on my credit report {$1700.00} over 6 months and I reported to the credit bureaus at that balance was not mine the account was not mine they finally removed it 30 days ago and I dropped XXXX points they both told me that Sears is the one that dropped my points I would have to contact Sears Citibank credit card but the count was not mine Sears credit card has no record of me Citibank has no record of me the accounts belong to a relative the relative loss the credit card 3 months ago reported fraudulent activities the card was shut down 3 months ago but for some reason the XXXX balance and the credit card was on my credit report still I reported to the credit bureaus but that card balance and a car needs to be removed off my account it was a fraudulent account the account no longer exists for over 4 months I try to credit bureaus finally moved the account and I was about 20 points for it XXXX told me that Sears credit card Citibank was responsible for the points but yet I can't get an answer from either party due to the accounts not mine the relative that the account belong to can't have access to the account because it was closed over 6 months ago due to the fraudulent activities on the card credit bureaus told me that they can do anything about it until Sears contacts them to change it how can Sears credit card Citibank change a credit score when they have no record of me and their systems credit bureaus are not giving me a straight answer nor are they helping me resolve the issue of my credit points of 20 points being deducted from my credit score nothing happened to my relatives credit score when they count was removed from their credit reporting account. thank you
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

On XX/XX/XXXX, I received a text from a Wells Fargo number found on the back of my debit card stating, " Free Msg-Wells Fargo Bank Fraud Alert-Did You Attempt To Do A XXXX Transfer For The Amount Of {$2000.00} Reply YES or NO Or 1 To Decline Fraud Alerts. '' I quickly responded " NO, '' and moments later received a call from the same number from an individual representing himself as a member of the Wells Fargo Fraud Department. The man urgently had me read code numbers that I received through texts from what again appeared to be Wells Fargo numbers. He next directed me to cancel the transaction by sending {$1000.00} through XXXX to my own phone number, which was already saved as an account on my Wells Fargo Mobile App. Relying on the man 's false pretenses as a legitimate member of the Wells Fargo Fraud Department, which was supported by his knowledge of my personal information ( full name, date of birth, and address ), I made the XXXX transaction to my own phone number with the intention that the funds were merely going back into my account. The man then ended the call, and the {$1000.00} did not show up in my account. 

I immediately called the Wells Fargo fraud number found online and filed a claim to receive my stolen funds. I described the scam in its entirety, and the ( now legitimate ) Wells Fargo Fraud Department member expressed full confidence that I would receive a reimbursement for my stolen funds. On XX/XX/XXXX, I opened a letter in the mail from Wells Fargo dated XX/XX/XXXX, stating that the transaction was made by me or someone who had my permission to perform the transaction on my account, and therefore Wells Fargo would not provide a remedy. I find this alarming, for I did not authorize the {$1000.00} to be sent anywhere than to my own account, and it clearly went somewhere other than to my own account. 

I immediately called the number provided in the letter. After again describing the scam in its entirety and the ( different than before ) Wells Fargo Fraud Department member examined my claim. He noticed issues with how the claim was filed, and refiled the claim correcting the way that the first Wells Fargo Fraud Department member had characterized it. The member also similarly expressed confidence in my claim receiving reimbursement. However, roughly a week later I received a letter from Wells Fargo dated ( seemingly mistakenly ) XX/XX/XXXX, stating my claim has been closed and that a provisional credit of {$1000.00} would be removed from my account. 

Now, over three weeks later, Wells Fargo has provided no updates. Because of not only the clear and unambiguous language used in Regulation E of the Electronic Fund Transfer Act, but also the examples provided by the CFPB of types of unauthorized EFTS covered by the Regulation E, I am shocked and disappointed that Wells Fargo is failing to reimburse my account. I am happy to provide further information and any other assistance.
Product: Student loan

I have called Mohela several times to find out why I am being charged interest while my PSLF is being processed ( after the XXXX payments have been certified ) and is supposed to be in administrative forbearance. I was told that even though the loan is in administrative forbearance, they will continue to charge interest. 

I have also reached out to find out why my unsubsidized loans have been forgiven ( as of XX/XX/24 ) but not the subsidized loan. I was told that I'd need to speak to an " account specialist, '' however I have spent over XXXX hours on hold after XXXX separate calls and I have still been unable to speak with anyone..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i am filing a complaint once again regarding some inaccurate things on my credit report, please help me. i already contacted the companies involved by mail on XX/XX/2020. its been almost 2 months and no one has responded back to me. Section 611 ( a ), says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. These inaccurate accounts are hurting my chances of being approved for a mortgage, which i am currently working on. please do not ignore my disputes again. thank you
Product: Debt collection

Upon reviewing my records, I found no information or documentation linking me to this debt. Therefore, I am disputing the validity of the debt and requesting that it be immediately removed from my credit report. The information listed is incorrect, and I believe it is not associated with me. 

I previously reached out to your company on XX/XX/year>, requesting clarification and documentation regarding this debt. Unfortunately, I did not receive any response or sufficient evidence to validate the debt, as required by law. 

Therefore, I am requesting the following : Proof of the debt : Documentation verifying the debt and its connection to me as required under the Fair Debt Collection Practices Act. 
Immediate removal of this debt from my credit report with all major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a credit card or any other credit account ever and no such account has ever existed in my name XXXX has put multiple fraudulent accounts that do not belong to me and were not created by me on my consumer report. This has made it hard for me to receive credit or get approved for apartments which is very stressful and XXXX. I have notified them of the accounts resulting from identity theft and requested they be removed within 4 business days as described in 15 usc 1681c-2. I have not given them any reason to decline my request and they have not provided any contract or other evidence that gave them the right to furnish my consumer report with this fraudulent information to begin with .the fair credit report requires the maximum amount of accuracy at all time.
Product: Credit reporting, credit repair services, or other personal consumer reports

These collections were not properly validated by the belongs properly by law
Product: Credit reporting or other personal consumer reports

FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from EXPERIAN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in Daugherty v. Convergent Outsourcing , Inc., 836 F.3d 507 ( 5th Cir. 2016 ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable.

Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE : The items are listed as follows : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EXPERIAN SEVERAL TIMES SINCE XX/XX/2022 TO REMOVE A INVALID BANKRUPTCY FROM MY ACCOUNT. I HAVE CKURT RECKRDS ALONG WITH A LETTER FROM XXXX XXXX SAYING THE ACCOUNT IS INACCURATE AND UNVERIFIABLE AND NEED TO BE REMOVE THE CASE NUMBER IS XXXX, THEY REFUSE MY RIGHTS TO PRIVACY AND NEED TO BE HELD ACCOUNTABLE
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.
Product: Credit reporting or other personal consumer reports

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Started a dispute with Equifax concerning some inquiries that I never authorized on XX/XX/2021. Confirmation # XXXX Equifax did not investigate these unauthorized inquiries instead they completed the investigation the same day XX/XX/2021 stating the inquiries are factual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the attached account multiple times and have reached out to XXXX to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. I have worked with XXXX many times to correct the information they are reporting with no changes made to my credit record. I am asking that this account be updated and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

I went onto the Truist website to check the amount balance on my mortgage. I then went to make a payment and the option to go directly to the mortgage company is no longer available. All of this occurred on XX/XX/22. I have tried to call the company and I have been on hold for over 2 hours. When I was connected to a live individual, then they said they would issue a complaint which will be noted about the website. I asked how I can pay my mortgage, and the individual provided no response. I was then suggested to be transferred again with no support. There is no way to contact the bank through email to have my complaints addressed. On the website it states that if you login, then all services will be available. However, once logged in there is no website to pay online. To pay over the phone is an additional fee. The last occasion I paid in person, the amount went missing and applied incorrectly. When I last sent in an amount via snail mail, it was not received in time and I received a penalty. Therefore, having a mortgage site up and available for easy access to users would solve the problem. However, Triust Bank/ Mortgage does not support their customers.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED.

I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear Equifax, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 US Code 1681A Title Definitions.

I missed two payments on my [ XXXX Credit Card ]. As per the terms of the agreement, this missed payment was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future. 

However, I would like to draw your attention to the rules of construction under 15 US Code 1681A Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed from my credit report. 

I would appreciate your prompt attention to this matter and your confirmation that the missed payment has been removed from my credit report. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Debt collection

Chase has violated 15 USC and 1692 by continuing collection activity after a cease and desist and 16 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Product: Checking or savings account

My purse was stolen which had my credit cards, license, social security number, birth certificate, cash, and cellphone. My debit card was then used at XXXX for a {$260.00} transaction that I reported to Wells Fargo. They denied my claim. I have tried to call and email to resolve this claim but they are not listening. All Im asking is the {$260.00} be credited back into my account. All of my personal information was stolen and when the people who used my card replied via text that it was me making the transaction it was not. I have filed a police report and requested a new S.S card and drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

These were credit cards and even though they have been written off they were sold to collection agencies which is against the law. I want them removed.
Product: Credit card

I have hard inquires on my credit report, as well as, collections. My account was registered as a victim of identity theft. 

I am a victim of identity theft. However, the hard inquires are on my report and I asked they be removed. They are listed as follows : 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 which was bought out by my mortgage company as a debt which should also be removed. 

I tried having them remove it but they have yet to do so. Any assistance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB XXXX XXXX to Pay {$19.00} XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, Including Wrongly Reporting that Consumers were Delinquent on Loans or Leases. I am also having the same problem with this issue above, I never ever had issues with non of my leased vehicles this is my fourth car being leased. I had a lease with XXXX, XXXX, then XXXX again then XXXX & this is the first time I had an issue with a company that's not reliable was told XXXX this on a phone call and they do something completely dependent, I had an issue with an excise tax that they sent to an old address that I had updated with them Multiple times by email and by phone. Never ever have I missed a lease car payment that directly removed from my bank account, but because of the car excise tax that was sent to an old address that I called and confirmed updated it Multiple time via email and calling. They added that excise tax as an missed car lease payment, which it doesn't make sense that not part of the car lease, I have been making the lease payment if they tried calling me or sent me a payment for the excise tax in the mail at the updated address I would of paid it, or even sent it to a collection agency so they could attempted to contact me for the excise tax of the vehicle, but not try to add that as part of the car payment and as missed payment. That's fraudulent, unacceptable never again I will buy or want a XXXX vehicle again or will advise any family member or friends to buy XXXX and leave some reviews online are a couple of big websites for vehicle reviews. Not a good company for customer service. Plus all this lawsuit for credit error. I have also logged-in my hmfusa.com XXXX account XXXX pull my payments history made to them from there financial app.
Product: Debt collection

Capital one is still trying to collect a debt even after it was removed from credit report police report was submitted and it was removed now they replaced it on report again this is not my debit and need to be removed permanently
Product: Credit reporting

I received another letter from XXXX aka XXXX XXXX XXXX dated XXXX XXXX as to why they refuse to withdraw my request to close the account. This one has different reasons from the first letter. Nothing about accounts being open too little of time. Because they kept pulling my information without my knowledge. That includes XXXX XXXX. Nobody told me they were going the report again. I am now below average due to too many request and a freeze will be put on the account. Again there was NO reason for them to pull my credit report and change the interest rate. The letter has one credit score my other credit card has a different score which lower
Product: Credit card or prepaid card

I did a kitchen renovation through Lowes, and as part of that process, I signed up for a Lowes credit card ( through Synchrony ) because they offered a six month deferral on payment an interest for the renovation costs. In the meantime, I used the credit card for a few small purchases at Lowes stores. This last month, I paid the amount to cover the minimum payment on the deferred portion plus the entire amount to cover the in-store purchases. They did not credit the amount for the in-store purchases against those purchases though. They credited it against the deferred balance, so the amount for the in-store purchases accrued interest at a rate of 26.99 %, which came to {$44.00}. I contacted Lowes, but they refuse to credit the amount paid against the recent purchases and remove the interest charges.
Product: Credit reporting or other personal consumer reports

I am writing to address inaccuracies on my credit report. Upon review, I discovered incorrectly listed late payments. 
Maintaining an accurate credit history is crucial, and these reported late payments do not reflect my financial responsibility. I seek your immediate intervention to rectify this error. I have contacted the company, and they have agreed to fix these issues. Please conduct a thorough investigation and take the necessary steps to remove this inaccuracies from my credit report. 
I kindly request your prompt assistance in correcting this error. Below is the details : XXXX XXXX