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

WellsFargo Bank Statement Errors as follows : 1. ) In my additional review of my banking statements, I discovered that there are inconsistencies with how my ( Ending Daily Balance ) is posted. On some of my statements the ending daily balance is posted immediately after a deposit is posted, but this is not typical for all posted deposits. Also some of the ending daily balance 's are posted on the last date of entries, for example XXXX to XXXX. But again, this is not typical for all ending and beginning dates, which makes the possibility of errors much more prevalent. 

2. ) The XXXX   XXXX  postings for deposits into my account are also posted incorrectly. The deposits should be posted as from the individual who made the deposit. Instead, it shows the deposit was made from ( XXXX CA XXXX, which is myself, making the transactions totally incorrect. 

3. ) There are absolutely no postings of my declined transactions. These transactions are only sent to me by text message and therefore I do not have a paper trail for said transactions on my actual banking statement. If there is a back charge from the bank for declined transactions, it is not posted on my banking statements. Therefore errors will occur on my ending daily balance.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, USDOE/XXXX Company Inquiry : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account opened on my credit report from XXXXXXXX XXXX XXXXXXXX! The account is XXXX XXXX XXXX the account number is XXXX. This is not my account and it is fraudulent. Its also defamation to my character by having this reporting to my credit report. I have reached out to the company but havent heard anything.
Product: Mortgage

-This is for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements. 
XXXX XXXX, shows I have XXXX in my escrow account. 
XXXX XX/XX/XXXX, XXXX  taxes for {$4600.00} were paid. 
XXXX XXXX, XXXX, shows {$2900.00} was paid for county taxes. 
XXXX XX/XX/XXXX, statement shows I had {$14000.00} in escrow taxes and insurance. 
-Mortgage insurance is {$130.00} per month. 
-PMI is {$1500.00} per year. 
-My XX/XX/XXXX, statement shows the increase in my monthly payment to {$2700.00}. 
XXXX XXXX, monthly payment was {$2100.00}. This is what I signed up for my monthly payment when purchasing the home on XX/XX/XXXX. 
-There was a negative shortage in the escrow which I paid {$4000.00} in XXXX and XX/XX/XXXX to bring it current.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX  Corelogic Credco, LLC Consumer Relations Department XXXX XXXX XXXX XXXX XXXX, Ca XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Someone hacked into my CHIME BANK/XX/XX/XXXX account and transferred all my money to someone named XXXX XXXX This happened on XX/XX/2021, in the amount of {$660.00}. The bank denied my claim and refused to refund my money even though I filed and submitted a police report. This bank has not helped me and has not done anything to assist me with this process. I need my money it is all I had saved. They say the money is insured and they are here for the customer, but even with LEGITIMATE PROOF OF THEFT THEY HAVE NOT RETURNED MY MONEY, That makes them thieves as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report, and I noticed some discrepancies on my report that wasn't mine, or I had any knowledge of, and I did not consent to from a collection agency called XXXX XXXX XXXX claiming that I owed them debt that I have no knowledge of. I did not give my signature consent. The date of this accounts is XX/XX/2020, in the amount of 2 payments, {$360.00} and {$330.00}, that I have no knowledge of. I am a victim of fraud and I feel that I am being violated under the Fair Credit Act. I reached out to the credit bureau 's to get this removed. They have sent me no verification of this account.
Product: Debt collection

I attended XXXX University online on or around XXXX taking classes towards my XXXX. I was informed at the time that I could withdraw from classes within 10 days per the financial aid rep/counselor. I had three classes and decided it was overwhelming due to just having a baby and was assured that this would not go against me adversely. With this misinformation my GPA dropped, started receiving emails stating that I owed over {$3000.00}. I then proceeded to settle the problem on different attempts with a letter of grievance, doctors documentation etc..
Product: Credit reporting, credit repair services, or other personal consumer reports

someone is running my name and ssn applying for credit cards and auto loans
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I made a complaint about a late payment reported by Experian on XX/XX/XXXX, on XXXX XXXX XXXXXXXX account that I have. I told them that information was inaccurate as I have never been late on that account, it has been almost two months and as I see no action has bee taken. The account still shows the late, as well as PAYMENT STATUS remains unchanged. One more thing, the complaint is taking to long, as it still shows open.
Product: Credit reporting or other personal consumer reports

Experian closed XXXX complaints all at once and are dumping on to the system LIES LIES LIES LIES LIES LIES LIES LIES AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, one friend of mine transferred 5 times of money using Paypal friends and family to me, which is XXXX, XXXX, XXXX, XXXX, XXXX, in total XXXX USD to me. I I withdrew successfully XXXX USD already after I received the money on the same day, but the other XXXX failed, and Paypal restricted my account on XX/XX/XXXX and told me to upload some documents of mine. 
I did upload the info of mine to Paypal accordingly, and made a phone call to XXXX to explain to Paypal representative, but later Paypal permanently shut down my account, and left a email informing i would get my money back in 120 days and in their way to. 

What i'm concerned about is that, the money belongs to me, because the transfer is done on Paypal, nonetheless, it can't be kept by this company named Paypal. The money is not theirs, I think Paypal is obviously using to protect its customer 's money to keeping my money for 4 months.

What I'm trying to ask for is, Paypal should let me to take back the money i left on my account. If Paypal really blocks me from using their service, it is fine, i can accept that.
Product: Credit card or prepaid card

The company closed my account, but before this I overpaid my credit card bill. The balance they owe me is {$35.00}. I would like to receive a check as soon as possible for this balance. It has been in their possession for a long time.
Product: Credit card or prepaid card

On XX/XX/XXXX, I attempted to purchase a tribe membership with XXXX ( {$190.00} ) using my Chase Visa card. Payment was declined. I thought I might have mistyped my account information, so I reentered my information and tried to make the payment a second time. Payment was also declined for a second time. I eventually gave up and used my XXXX card to make the payment. I received an email receipt from XXXX that same day which clearly states that the payment was made using the XXXX card. 

When I got my XXXX statement in early XXXX, I saw that Chase billed me for the two unsuccessful payment attempts to XXXX. XXXX confirmed via email ( dated XX/XX/XXXX ) that they only received one payment for this transaction, the one on my XXXX for which they previously sent me a receipt as stated above. I immediately submitted a dispute for the two transactions ( attachments were not allowed ). Soon after ( date unknown ), I received a phone call from Chase and was verbally told that they would issue a credit for one of the transactions because it was clearly a duplicate charge. That credit appeared on my XX/XX/XXXXstatement issued in early XXXX and is the only credit of any sort that has been issued to date. I was also told that I would need to provide a copy of my XXXX bill via their online email interface to validate the payment via XXXX before the second XXXX charge could be credited to my account. I provided a copy of my XXXX bill ( Email dated XX/XX/XXXX ). Chase contacted me again by phone in XX/XX/XXXX ( exact date unknown ) and claimed they never received the copy of my XXXX bill, so I resubmitted it ( Email dated XX/XX/XXXX ). Both emails are still available in my Chase mailbox for them to review and Chase has sent confirmation of the receipt of both emails. 

As stated above, Chase has only refunded one of the two erroneous charges. They have refused to refund the second charge ( letter dated XX/XX/XXXX ), claiming that they talked to XXXX and XXXX confirmed that they were paid for the XXXX membership. This is true ; however they were paid by XXXX, not Chase. Furthermore, their rejection letter indicates that they intend to reverse the credit they previously issued so that I will still be charged for BOTH erroneous items even though XXXX never received either payment. 

This is all deliberate theft by Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any debt or mail going to : XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX This is not mine. 

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

Disputed an account I have no knowledge of on XXXX because I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

WELLS FARGO AUTO XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Address identification number XXXX ACCOUNT : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, my husband contacted XXXX XXXX  via phone to pay off my account using his XXXX XXXX Debit Card in the amount of {$5200.00}, paying off the balance of my accout with a Customer Service Rep. On XX/XX/22 the funds were removed from our checking account by XXXX. 
XXXX XXXX. XXXX XXXX  claims to not receive the funds. Ive made multiple phone calls and correspondence trying to resolve the issue. 
We provided XXXX Bank with copies of our bank statement showing the reference numbers of the transaction and a letter with the same. They denied receiving still, on another occasion I sent another letter with a copy of the draft note provided by our bank and still they denied. Asked us to go to the bank to provide the transaction information for electronic transfer. Our bank said the information we provided is what they need. Our Bank ( XXXX XXXX  ) is advising they can no longer help us, due to the time it took XXXX  to research. Our bank allows 60 days, and it is way beyond that period. 
I am hoping you can help or advise to resolve. My account at XXXX  balance should be XXXX but now with late fees they are charging me over {$6000.00}. On top of this my credit score went from XXXX to low XXXX because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all 3 credit bureaus ( Experian, XX/XX/XXXX and XX/XX/XXXX XXXX on XXXX via USPS certified mail. Unfortunately, as of today I have not received any response from Experian or XX/XX/XXXX. 
I know that Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a full re-investigation within 30-45 days. 
On top of the stress that COVID-19 has caused me personally, I am truly distressed about my credit and the lack of assistance that the credit bureaus are offering. 
I would like to know the following information : 1. Did Experian and XX/XX/XXXX receive my reinvestigation request/dispute letters on the date provided by USPS? 
2. If so, why have I not heard back from them? 
3. If my dispute was not received, then who has all of my account information and copies of my personal documents that was sent certified to the credit bureau?
Product: Money transfer, virtual currency, or money service

Approximately 8 weeks ago I contacted JG Wentworth to assist me in obtaining a portion of an annuity. XXXX XXXX was assisting me but when I would ask him how much this was going to cost me he would never give me straight answer and said we would discuss it later. We got so far as having 3 way call with XXXX  did he finally tell me they were charging me {$71000.00} to help me get $ XXXX but this was after he had them change beneficiary to JG Wentworth. They received my XXXX & XXXX payments in the amount of {$500.00} each and I have called numerous times begging them to refund my {$1000.00}. I received 1 phone call from XXXX XXXX over 2 weeks ago & swore she would get to bottom of this matter but now she is avoiding me. This company has the nerve to charge me $ XXXX which is just like usury for lack of better word to con people out of their money. It is ludicrous to charge $ XXXX out of my $ XXXX annuity. Ultimately it was very easy for me to obtain funds and it only cost me {$1500.00}. I dont what other agency to contact to stop them from taking advantage of other folks who obviously need their money due to our countrys economy, inflation, price of gas etc. I will not stop until I receive my money back and someone who should be watchdog for our citizens to prevent this from happening to people who dont understand how their fraud works.
Product: Mortgage

Well starting XX/XX/18 Sps XXXX XXXX is increasing my interest rate on my mortgage from 6.750 % to 7.250 % so that increases my mortgage from XXXX XXXX to XXXX. I feel that's too high of a increase in my interest rate for my mortgage it seems like they're trying to really balloon my payment now and it's going to take me forever to pay off this mortgage loan they have silently increase my interest rate I don't think it's good for me or any consumer that has to pay more than their fair share are there mortgage I pay on time every month with no problem thanks. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$300000.00}.
Product: Credit reporting

I used the XXXX website to request my credit report online and was refused. I have been delayed in obtaining a mortgage recently by some detail in my credit report, and needed to obtain my credit reports immediately, in order to clear up any discrepancy. When I submitted my request on the website, each of the XXXX credit reporting agencies refused to provide a report, and instructed me to request it in writing. This will cause weeks and weeks of needless delay in completing a mortgage request.
Product: Credit reporting or other personal consumer reports

Request for Deletion of Fraudulent Item Under 15 U.S.C. 1681 and Fraud Report Filed I am writing to formally request the immediate deletion of inaccurate and fraudulent information on my credit report, as permitted under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I have previously filed a fraud alert/breach report with the three credit bureau ( s ) regarding unauthorized activity on my credit file. 

Account Name : XXXXXXXX XXXX XXXX Date : XX/XX/year> Contact info : address is XXXXXXXX XXXX XXXXXXXX Phone number is XXXX Reason for Dispute : This account resulted from identity theft or fraudulent activity, as documented in my previously submitted fraud report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Federal Law 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have submitted all above information to Equifax due to the occurrence of identity theft on my consumer report, They did not remove the inquires I attached in my letter within 4 days. 

I have attached all documents that I included in the correspondence to them. 

I am a consumer and I deserve to be treated as such, that being said Equifax is in violation of the above sated Federal Law.
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on my consumer report and to address multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer laws. TransUnion has consistently failed to comply with these laws, and I demand immediate corrective action. 

Failure to Provide Notice : TransUnion re-added the Account Resolution Corporation collection account without providing the legally required five-day notice by mail. Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), this account must be immediately deleted from my consumer report.

FTC Report : TransUnion has failed to comply with the information in my FTC Identity Theft Report, claiming insufficient data. I provided all the required information as allowed by the FTC form. Other agencies have adhered to my FTC report, yet TransUnion continues to ignore it. 
Collections Accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have not provided a valid purchase agreement or chain of title/assignment of debt agreement to prove they have the right to collect these debts. Without these, I am not legally obligated to pay. Additionally, XXXX XXXXXXXX is not licensed to collect in Florida, yet the account remains on my report, violating FCRA standards for accuracy and fairness. 
Credit Card Late Payments : TransUnion has failed to remove inaccurate late payments on my XXXX  XXXX, XXXX  XXXX, and XXXXXXXX XXXX XXXX  accounts. XXXX has already corrected the statuses to " current '' in adherence to 15 U.S. Code 1666b ( Timing of payments ), which prevents creditors from treating payments as late when made on time. TransUnion must follow suit and correct these inaccuracies. 
Other Accounts : XXXX and XXXX have removed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX report due to fraudulent, non-verifiable, or inaccurate information. Under 15 U.S. Code 1681i ( a ) ( 5 ) ( D ), when one consumer reporting agency deletes an account based on fraudulent activity or non-verifiable information, the other agencies are legally required to remove the same information. TransUnion must comply and remove these accounts from my report. 
Unauthorized Inquiries : Despite multiple requests, TransUnion has not removed unauthorized inquiries from XXXX XXXX and XXXX XXXX XXXX XXXX, as they were not authorized by me. 
I have previously requested a detailed description of your reinvestigation process, which you have failed to provide. I have contacted the Attorney General and am currently initiating legal action because I am tired of wasting my time while TransUnion does whatever it feels like without regard for my consumer rights. 

I demand prompt correction of these issues and the immediate removal of the disputed accounts from my consumer report
Product: Credit reporting or other personal consumer reports

I want reported/disputed accounts removed ( XXXX XXXX -personal acct @ $ XXXX {$23000.00} was included in a 2019 bankruptcyit was removed and then put back on ). Also, for current student loans, the amount owed is incorrect, payments and interest not adjusted for those paid as part of loan forgiveness and the loans have changed companies multiple times. 

There are closed/charged off ( company received insurance payments and illegally sold accounts to another company and that company does not have my signature agreeing to pay them ) & discharged bankruptcy accounts that are still listed ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( requested this be removed because its not my account ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and many other credit card and other accounts listed on dispute when submitted ( they should have the record )