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

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts I have made to rectify the issue of fraudulent items on my credit report associated with your institution. 

Over the course of the past, I have diligently followed the prescribed procedures outlined by your organization for disputing fraudulent items on my credit report. Despite my repeated efforts, these fraudulent entries persist, causing significant distress and concern for my financial well-being. 

I have attached copies of the documentation supporting my claims, including but not limited to fraud alert requests, dispute letters, and any other relevant communication. This includes reference numbers, dates of communication, and any pertinent evidence that may aid in the expeditious resolution of this matter. 

It is disheartening to experience such difficulty in removing fraudulent items from my credit report, especially given the potential negative impact on my creditworthiness. I understand the importance of accurate reporting and the potential consequences of fraudulent entries on my financial profile. 

I implore you to conduct a thorough and urgent investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I request a comprehensive explanation of the circumstances that have led to the persistent presence of these fraudulent entries and assurance that steps will be taken to prevent their recurrence in the future. 

If this matter is not resolved promptly and to my satisfaction, I may have no choice but to escalate my complaint to relevant regulatory bodies and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2018 I received a garnishment notice from my work and they are taking XXXX or more a month. Almost half my checks gone after paying them and taxes. 

Its a garnishmemt through XXXX county courts.
Product: Credit reporting or other personal consumer reports

I requested a verification and validation of this account and the debt. I have sent XXXX different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over XXXX  days now, and I have received no response at all. I sent the first notice on XX/XX/year>, then again on XX/XX/year>. Each notice was sent via XXXX XXXX Mail and was verified as delivered via the XXXX tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.
Product: Credit card or prepaid card

I was made aware of these fraudulent accounts a few years ago. I have talked to Barclays on several occasions about closing these accounts and making sure that no other accounts could be opened in my name. The company said everything was shut down in 2022 and that they were removing them from my credit report. Instead of doing that, they have continued to report these fraudulent accounts. The inaccurate reporting has cost me my job as an accountant, and I have been denied credit all because of these accounts that were opened without my knowledge.
Product: Bank account or service

Bank of America keeps charging me a maintenance fee when they are not supposed to. I filed a complaint about this once before and the bank called me, refunded the fee, and promised it would not happen again. This time, they charged the fee to my savings where I did not notice it for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax several dispute letters with verification documents that confirms my Identity Theft status such as police reports. Last letter sent was mailed visa USPS certified mail on XX/XX/XXXX and received by an Equifax employee on XX/XX/XXXX at XXXX in XXXX XXXX GA XXXX. This was signed for by the employee ( see attached documents ). There has been several inquiries on my report that are fraudulent as well as a new fraudulent account and incorrect balances on another account which was closed. The following inquiries and accounts are fraudulent and Equifax refuses to remove them despite my fraud alert and identity theft case. 

XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICES Report Date : XX/XX/XXXX The following has a incorrect inaccurate balance which was last reported on XX/XX/XXXX XXXX XXXX  DELAWARE Report Date : XX/XX/XXXX. 

This information is invalid, inaccurate and fraudulent and its affecting my credit score and preventing me from obtaining the necessary credit needed. Equifax has been contacted several times including phone calls, online disputes and mail-in disputes but they have refused to remove this inaccurate information from my credit report. This is a direct violation of The Fair Credit Reporting Act, 15 U.S.C. 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 a disputed debt was sent to alco collections by XXXX XXXX XXXX. All details are in attached files. It was removed by two other credit bureaus because alco is impossible to pay or get a hold of. All of my written disputes to alco were returned to sender as well. Experian is impossible to deal with as you can only dispute the debt once and there decision seems to be final regardless of the documentation given.
Product: Credit reporting or other personal consumer reports

An account was opened on XXXX for a student loan that I had no knowledge of, I never agreed to a loan in my name and was not given any paperwork to show proof of ownership of this account! I would like accurate proof to verify that I consented to having a student loan opened in my name '
Product: Credit card

I always pay off my credit cards on time. I have never been late for over 10 years. I pay via bill pay. In XX/XX/year> I paid all my credit cards through bill pay. Unfortunately, the bill from my CapitalOne Spark card never arrived via U.S. Mail. The day after my bill for XXXX was due, I received an email from CapitalOne saying my payment was late. I called them that same day and made the payment via electronic check. So they received my money 1 day late. 

CapitalOne charged me {$67.00} in interest for the 1 day! They also changed me a {$58.00} late fee. I called to complain and they said they would credit the late fee but would not take off the interest change. 

This is tantamount to usury and should be illegal. Can you please help me the {$67.00} in interest that I was charged. 

Thank you, XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I made payment, XXXX, to JC Penney Credit, Synchoney Bank VISA card. 
The payment was made to a closed account of my wife who died XX/XX/XXXX. 
I have been trying to get this payment to be credited to my JCP Visa card account opened in XX/XX/XXXX. As of this date XX/XX/XXXX the account balance is still incorrect. 
I have have contacted Syncrony Back Customer Service many times without resolution. 
I have been charged Late Fees and interest charges. On XX/XX/XXXX I deposited a check from Synchrony Bank for {$250.00} which bounced.
Product: Credit card

I have a credit card with Wells Fargo for home XXXX  XXXX purchased through a local vendor- XXXX XXXX  XXXX XXXX. This includes a furnace and air conditioning unit. 

For years I paid the monthly balance each month, on time, as part of a special 0 % relationship with the vendor. I do remember the website being cumbersome and difficult to navigate, particularly in setting up automatic payments, but everything proceeded without incident. 

About XXXX months ago, I decided to switch the bank account I used to pay the automatic payment. That was not easy. I had to call for help and the Wells Fargo customer service agents often seemed confused and directed me to set up the payment in the incorrect way. Finally, I thought I had things set up correctly - and, boy, was I surprised! On XX/XX/XXXX, Wells Fargo attempted to withdraw the entire remaining balance on the purchases- over {$8000.00} from my checking account at XXXX. I do not have {$8000.00} in that account, so I got slapped with late fees from XXXX. 

I called Wells Fargo to try to address the situation and understand how this had happened. What I learned was distressing. It suggests that Wells Fargo is using misleading language to dupe customers into paying more than they can afford on their balances. 

What I discovered happened is : Wells Fargo auto pay has an option for Last Statement Balance. That's what I chose, because common sense would lead you to believe that the Last Statement Balance is the amount you owe each month. After all, the statements are monthly. That's exactly how a normal credit card works. They told me that Last Statement Balance means the entire Account Balance, so that's why they tried to remove the entire remaining balance from my checking account. They said it was my fault and that I was responsible for the ramifications. Wow! 

They did help me at least cancel the setup and explained how I could re set up the auto payment correctly, except not at that moment, because they said I had to wait for the current overdraw to clear. 

Well, guess what? Today, XX/XX/XXXX, after I spoke to them and tried to correct everything, they once again tried to withdraw the entire $ XXXX from my XXXX  Checking Account. 

I tried to call back Wells Fargo, but their offices are closed tonight. I will call them back tomorrow, but I would like the CFPB to investigate. After all, wasn't Wells Fargo slapped with record fines by the Feds  a few years ago for fraudulent behavior on a massive scheme? It seems like more of the same! 

Thank you - and please let me know what other information you need. I apologize if my story is not entirely clear and am happy to detail it further.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX For five years now we have had a nightmare with CitiFinancial. First starting with a personal loan of mine for {$7000.00}, I took {$6800.00} out of my retirement to pay off the loan because the interest was so high on the loan. That left {$200.00} to pay, that was in XX/XX/XXXX well we continued to make monthly payments on the loan until XXXX of that same year. My wife and I contacted the XXXX in charge of our account, she told us to stop paying on the account it was paid and there must have been an error and she would get back with us, well she did and told my wife that she applied {$4000.00} to our mortgage, which she did n't, and {$2000.00} to the personal loan. Also XXXX tried to convince us that is how we directed her to do so, definitely false! XXXX either was fired or resigned during this time from that branch in XX/XX/XXXX. Now we begin getting calls from the branch manager saying we owed full payment of {$7000.00} plus late fees. The branch and Citi have been absolutely no help. They also say it happened during a time they were switching accounts to XXXX XXXX XXXX and they 're not responsible for what happened at that time. They acted as if they 're not responsible for their or the employee 's actions. All I know is they stole {$7000.00} from me and my family and ruined my credit ... There is more Citi has done to us I 'll write in another story ...
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX account # XXXX reporting illegal late payments on my credit report to Equifax for the amount of XXXX which I do not owe the company they did a illegal debt parking which I did not give them permission to report any thing which the company violate consumer privacy under the federal laws Fair debt collection practice act 15 usc 1692 g also for late payments. Timing of payments 15u.s.c.1666 B ( a ) 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 design 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. XXXX. Requested the periodic statement XXXX requested information from 1637B XXXX negative information notice XXXX. I requested tracking number back dates from recieve did not hear back from Equifax
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that there were inaccurate accounts on my credit report. 

XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and i requested specifically the alleged original application bearing my signature and they have to been able to provide such proof to me.

This is a violation of the fair credit reporting act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Money transfer, virtual currency, or money service

I created an account with Revolut on XX/XX/2022 in preparation for a trip to XXXX where I knew I would not be able to access Euros in cash. I received a transfer of XXXX XXXX pounds into my account on the same day, so the balance on my account from that day up until now has been XXXX pounds. 

I first attempted to use the card to place the deposit for an XXXX on XX/XX/XXXX, for XXXX pounds, but the transaction declined. I didn't notice that the transaction had declined because I had canceled my reservation at the XXXX before I checked my Revolut account I attempted to pay the deposit for a hotel on XX/XX/XXXX, and again the transaction declined, but at the time I didn't notice because I received a confirmation email from the hotel that my booking had been confirmed. In the app, every transaction I have attempted shows that is has been declined. 

On XX/XX/XXXX, I tried to pay XXXX pounds for laundry, but the transaction declined and this was the first time I realized that none of my earlier transactions had gone through. Every time the transactions declined, the app cited " security issues ''. I tried to transfer the money from RevoluXXXX into my XXXX XXXX account, but again the transaction had declined. This was when I realized that my card would probably not work in XXXX so I would not be able to pay for my hotel, food, or anything else while in XXXX because the XXXX pounds I had allocated for the trip were stuck and inaccessible in my Revolut account. 

Recognizing how dire the situation was, I contacted support ( which is only available on an in-app chat ) on XX/XX/XXXX at XXXX am XXXX and received my first response from them the same day XXXX am XXXX in which the customer service representative assured me that they would " resolve this issue... as quickly as possible '' and that they were " forwarding this to the concern department ''. I reached back out several times over the next few hours to ask for updates about the situation, and at XXXX am XXXX  I received a message from them stating that they were " reviewing '' my account. As of XX/XX/XXXX XXXX pm XXXX this was the last message I received from them in the app. Given that the circumstances of my issue with the app were urgent, I direct messaged Revolut on XXXX on XX/XX/XXXX at XXXX am XXXX They responded quickly, collected my information, and I was told that they have asked the team to " prioritize my case '' and that " hopefully they will respond via chat shortly ''. After not hearing back for several hours, I inquired again about when I could expect to have my case resolved, and once again I was told that they had told the team that my case was " urgent ''. I still have not been contacted by the in-app support and I can not access the XXXX pounds in my account in any way for any transactions. I have had to scrounge together money and pay expensive bank fees to withdraw cash that I do not have from my credit card account in order to survive in XXXX because I can not access the XXXX pounds in my Revolut account and there have been no serious efforts by Revolut to address the problem.
Product: Debt collection

I AM A VICTIM OF IDENITY THEFT AND WANT ACCOUNTS OFF MY BUREAUS
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased a wool cat bed as advertised on XXXX. The cat bed I purchased was shown to be a thick felted wool, blue and aqua in color. The cost was {$21.00}, with {$5.00} shipping, and I paid with PayPal, understanding that PayPal would back me up if anything was wrong with the transaction. 

About XX/XX/XXXX, a package arrived from XXXX. Inside were two pieces of rough grey material, a stiff, thin fabric. It was in two pieces that you zip together, unlike the one-piece bed shown on the website I had ordered from. It in no way resembled the cat bed in the photographs on the website. 

I filed a complaint with PayPal through their resolution center. Initially, the XXXX seller offered about half of my purchase price back ( about {$14.00} ), but that was not satisfactory. Then he or she offered a full refund IF I would ship the bed back to XXXX. Of course, shipping back to XXXX is very expensive, and would cost more than the cost of the cat bed, so I didn't do that. PayPal then closed the case in favor of the seller. 

I have since learned that this is a known scam. The scammer appropriates photos illegally from the XXXX. website, and publishes them on their own website. When buyers finally receive their shipment and see that the item is nothing like that promised, they are stuck. 

What particularly angers me about this is that PayPal enables these scammers, siding with them, and not the buyers. PayPal should be working to put the scammers out of business, standing behind the honest buyers. These scammers use the advantage of very inexpensive shipping FROM XXXX to the US, but the reverse is not true. They pocket money for items that they have no intention of fulfilling honestly. 

PayPal 's " we'll stand behind you '' guarantee is an absolute falsehood. They stand behind scammers, enabling fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  ACCT NUMBER XXXX DATA BREACH OCCURRED, IDENTITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion refuses to send credit report after my insurance company suggested that my rate was increased based on information therein. I originally requested the report on XX/XX/2019 in writing.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an ongoing issue regarding my credit report and the handling of my disputes by Equifax. Despite submitting multiple disputes regarding inaccuracies in my credit file, I have consistently received responses within 24 hours from Equifax stating that the accounts in question are " accurate. '' This response is not only premature but also demonstrates a failure to properly investigate my claims. This failure constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, as well as a violation of the Consumer Financial Protection Act ( CFPA ) .In addition to the inaccurate account information, there is a significant error regarding my personal address. Despite providing supporting documentation on multiple occasions to show that certain items on my credit report are inaccurate, Equifax has failed to conduct a thorough and reasonable investigation as required by the FCRA. Section 1681i of the FCRA mandates that credit reporting agencies perform a reasonable investigation of disputes within 30 days. The repeated failure to properly investigate these disputes, coupled with overly swift responses indicating no changes, demonstrates that Equifax is not adhering to the statutory requirements for proper handling of consumer disputes.

Furthermore, Section 1681e ( b ) of the FCRA requires that credit reporting agencies maintain accurate information in consumer reports. The repeated refusal to investigate these discrepancies or resolve them in a reasonable manner constitutes negligent reporting, which is a violation of my consumer rights under both the FCRA and the CFPA.As I have provided ample evidence to support my claims, I request that you fully investigate the inaccuracies in my credit report and take corrective action immediately. If this matter is not resolved within a reasonable time frame, I will not hesitate to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing further legal action. Specifically, I have submitted documentation showing that the accounts in question have been paid in full, and my address has been incorrectly listed.

As I have provided ample evidence to support my claims, I request that you fully investigate the inaccuracies in my credit report and take corrective action immediately. Specifically, I am requesting the removal of the following accounts, as they are both inaccurate and have been paid/closed in full : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

After receiving a letter from my local hospital informing me that my personal information has been exposed in a data breach, several different names, addresses and inquiries appeared on my credit reports. I would like to have this information corrected so that I am able to have a piece of mind without worrying that someone is going to have access to my personal information. 

No action has been taken by the company at this time. I have reached out and submitted letters to the credit bureaus and have not received any response from them. 

Inquiries 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