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

XXXX is reporting inaccurate information on my credit report and refuses to correct it even when I have sent proof of the fraudulent information. 
As a borrower and current college student I have had a horrible and unfathomed experience with XXXX. I am currently in deferment as I submitted an IDR plan and now because of Covid19. I have between 10-13 accounts with XXXX and they have issued 10 late payments on each account causing my credit score to drop and now I am denied credit and to obtain a vehicle to take my children back and forth to the doctors. One of my children is XXXX and having reliable transportation is a necessity for me but because of all the late payments I can not acquire a car. The late payments XXXX has added to my credit report are fraudulent and they are reporting inaccurate information. Between XXXX there has been so many complaints with XXXX adding late payments to accounts, not properly adding payments and causing borrowers to get in over their head to repay or live a suitable life. All of my XXXX accounts that were part of the XX/XX/XXXX through XX/XX/XXXX late payments show deferment status effective as of " XX/XX/XXXX. '' Also XXXX XX/XX/XXXX. Also, I was enrolled full time before any payment in XXXX became due. Therefore, my credit reports do not currently accurately reflect previous payment statuses with XXXX, both as they actually existed and as XXXX has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the six accounts showing a 60-day late payment in XX/XX/XXXX through XX/XX/XXXX be updated and/or corrected and removed. 
In the event that these reports are not immediately updated to accurately reflect my payment status during XX/XX/XXXX through XX/XX/XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, CFPB, XXXX, and pursue other legal routes if necessary. I have sent nelent more information showing I was in school and forbearance letters they sent me but they refuse to remove late payments. I am not asking for removal of any accounts but they late payments that they are reporting inaccurately that is damaging my credit report and hindering me from obtaining a stable home and transportation because of false information that XXXX knowingly will not change
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a card with XXXX XXXX XXXX  on XX/XX/2021. The credit limit of this card is {$300.00}. On XX/XX/2021, XXXX XXXX Bank reported to the Credit Reporting Companies that it had a balance of {$300.00} and that I paid {$30.00} on that balance. I have made the following payments on this card : {$40.00} on XX/XX/2021 ; {$30.00} on XX/XX/2021 ; {$150.00} on XX/XX/2021 and {$120.00} on XX/XX/2021. These payments have satisfied the account balance to {$0.00}. On XX/XX/2021, I returned an item purchased from XXXX XXXX and a credit of {$7.00} was placed on this Visa Card. 

I have called almost everyday for two weeks straight trying to get XXXX XXXX to update my Credit Report. They told me they could not do it until XX/XX/2021. I asked them to close the credit card, which they did on XX/XX/2021. I have spoken with the Credit Reporting Agencies on XX/XX/2021, and XXXX  XXXX has NOT reported a XXXX balance or that the card account is closed. 

XXXX XXXX has also failed to send me a letter stating the account is closed with a XXXX  balance. I have spoken with so many " supervisors '' at XXXX XXXX to try and rectify this situation to no avail. I have also disputed this card with the Credit Report agencies and each time, XXXX XXXX stipulates that I owe the debt. 

My husband and I are trying to obtain a mortgage and this is holding it up. XXXX XXXX XXXX  has failed to do it's due diligence and they are causing potential harm to my person.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following accounts : XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXXDOFED Account # XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted Capital  One  Credit Card company to inform them I was an a serious   XXXX   XXXX  t  XX/XX/XXXX  which I was not at fault. As a result of   XXXX   I received severe  XXXX   XXXX   XXXX . Since   XXXX   XXXX   I have been under care of several physcians one being my  XXXX  who have worked continuously to help aid in my recovery. As of   XXXX   XXXX   XXXX   I have gained my memory back and thus have started back full time with my employer. I contacted  Capital one  to bring my account current and was told that  Capital One  would not accept payment and would not reestablish the account which closed according to representative 5 days prior to my calling in on  XXXX / XXXX / XXXX . I have new banking information with my credit union and no longer have any other affiliated banks and thus informed Capital One that Bank  XXXX   XXXX  Account was closed immediately following my car accident but I was not consciously or cognitively aware that any payments to  Capital One  were affiliated with my former Bank  XXXX   XXXX  Account. I explain that I have legal documentation of my  XXXX  now and due to my  XXXX   XXXX   XXXX  was not consciously aware of my daily surroundings or activities. I have the money in my account to pay  Capital one  and would like to have my  XXXX  credit card reestablished. I have documents from both my car accident attorney, neurologist, and my employer that displays my hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. These items are fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : XXXX
Product: Debt collection

I filed a complaint about 2 weeks ago regarding this account after requesting debt validation in XXXX and still have n't recieved anything. This account is constantly flagging my account as collections DAILY and it is affecting my credit score negatively. I am not sure how that is even possible because i have NEVER done business with NOR have i ever been contacted by this company. Furthermore, this account is listed under medical and i am more than 100 % sure i have NEVER given a doctor 's office or medical facility any permission to share my Medical information. This is clearly a violation of not on my FRCA rights but also my Hippa rights. I demand XXXX to furnish me with a medical release form and a contract bearing my signature stating that i have done any business with them or i will be filing a complaint with my local government agencies.
Product: Bank account or service

Multiple charges were incorrectly debited from my account due to merchant error. I disputed the ones I could not resolve on my own and resolved the rest with the merchant. These charges resulted in overdraft fees. US Bank informed me that I would not need to dispute the charge to get the overdraft fees refunded if I resolved the issue on my own. US Bank has only issued a refund of only some of the charges and I have been trying for the past two months to resolve the rest with no luck. Every department/group believes it is someone else 's responsibility or a customer service rep will inform me that refunds are being processed only to find out this is not true. I can count at least XXXX separate phone calls from me to US Bank trying to resolve this. 

US Bank does not provide statements that show an accurate or reliable way to account for overdrafts due to " holds '' or debits. This is also causes the consumer to not get an accurate understanding of the account.
Product: Mortgage

I contacted WELLS FARGO on XXXX XXXX at XXXX XXXX to inquire if we have the option of a non impound or non escrow account and what is their process. The representative said that they will mail out a form for us to review. I called the next morning on XX/XX/2019 at XXXX XXXX to inquire about the name of their form which the rep name XXXX said it was an Escrow Deletion Form. We expected to receive this form to review it and make our decision after reviewing the form. We had an escrow shortage due XX/XX/2019 in the amount of {$160.00}, we paid it on XX/XX/2019. After paying the shortage our escrow balance had a credit of XXXX ( XXXX Cents ). On XX/XX/2019 we paid our XX/XX/XXXX Mortgage payment which {$390.00} goes to escrow but the escrow balance is showing a negative $ XXXX. It should be a credit of {$390.00}. On XX/XX/2019 we paid our XX/XX/XXXX Mortgage payment and {$390.00} goes to escrow but our escrow balance is showing {$25.00}. Instead of receiving an Escrow Deletion Form in the mail we got an Escrow Closing Notice that was dated for XX/XX/2019 indicating that our escrow account will close on XX/XX/2019 stating because we asked them to close it and if we want to keep the escrow account we must call the number in the account information box by XX/XX/2019. I called on XX/XX/2019 to inform them that I did not ask them to close it. I followed up with a letter and faxed it to them on XX/XX/2019. Then, we received a Notification of Assignment, Sale or Transfer from XXXX XXXX XXXX XXXX XXXX XXXX also dated for XX/XX/2019 the same date as the Escrow Closing Notice from WELLS FARGO effective XX/XX/2019. The transfer of ownership has not been publicly recorded. WELLS FARGO remain as the Servicer for XXXX XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and left a message for someone to return my call and No one ever did. Now, we just received a Transfer of Servicing of Your Mortgage Loan dated for XX/XX/2019, Effective XX/XX/2019, the servicing of our loan is being transferred to XXXX XXXX XXXX , XXXX. WELLS FARGO will no longer be accepting payments. This seems like a tactic of WELLS FARGO to make it difficult for us when we decide to have a non impound account.
Product: Credit card

I had gotten a carecredit card 7 years ago for vet bills and couldn't figure out why my balance was so high. 
I tried to reach them originally because I am struggling to pay down the card and then they offered me some relief payments that I took. I found out later that apparently this was some type of coverage that I didn't sign up for and I had been charged security/insurance fees for the last 7 years. 
I reached out to them to get a refund because I never okayed this and they got back to me and told me they wouldn't because I received a single benefit payment. Apparently that relief payment they offered me was a benefit and I had no idea. They didn't explain it to me or anything. I canceled any other relief payments and the insurance but am no better off then I was. They charged me thousands of dollars in insurance fees over 7 years that I had no idea about or consented to get and refuse to do anything to pay me back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number XXXX UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EX/RT.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN ALLOWED THIS COMPANY, XXXX XXXX TO ACCESS MY CONSUMER REPORT WITHOUT PERMISSIBLE PURPOSE Date : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Demand for Compensation for FDCPA Violations Dear Sir/Madam, I am writing to you regarding the unauthorized inquiry that was made into my Experian Credit Report on XX/XX/XXXX. It has come to my attention that XXXX XXXX XXXX has accessed my personal credit report without my prior consent or without any permissible purpose as outlined under, 15 USC 1692 and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 168XXXX. 

According to the provisions of the aforementioned statutes, any unauthorized credit pull constitutes a violation of my consumer rights. Specifically, the FCRA provides that consumers have a right to privacy, and unauthorized credit inquiries not only infringe on this right but can also potentially negatively impact my credit score. 

The FCRA provides for statutory damages of up to {$1000.00} for noncompliance, in addition to any actual damages suffered. Given this, I hereby demand that XXXX XXXX XXXX compensate me in the amount of {$1000.00} for the unauthorized credit inquiry made on XX/XX/XXXX. 

Please treat this letter as a formal complaint, and I request you to provide a satisfactory response within 7 days from the receipt of this letter. If I do not receive compensation and assurance that no further unauthorized credit inquiries will be made, I will not hesitate to pursue further legal action. This may include filing a complaint with the Federal Trade Commission and the North Carolina Attorney General 's Office, and pursuing a civil lawsuit to recover statutory and actual damages. 

This letter is not an exhaustive statement of my rights, remedies, defenses, or claims, all of which are expressly reserved. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Hello dear CFPB I am writing to inform you that CHASE is in my opinion VERY Biased XXXX financial institution, the reason i am stating it because i am banking with CHASE many years and I have done nothing wrong but today i have received letter they are closing my personal and business checking accounts, most importantly they are not disclosing why just stating generically 'unexpected activity ' which is 100 % false accusation, Please be aware that CHASE company is discriminating minorities here in Southern California and Closes account for no reason. Please Ask chase to either halt closing my account or give me why you closing and damaging my financial record with cheq system. Please see attached letters i have receive from CHASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have this account deleted from my Equifax report XXXX XXXX XXXX XXXX as this account is passed the Staute of Limititations for reporting. Equifax continues to re-age the account. Which is false reporting.
Product: Mortgage

I requested mortgage assistance from Franklin Credit Management XXXX XXXX XXXX XXXX, XXXX regarding my defaulted 2nd mortgage and they have not offered my any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel frustrated that they still haven't deleted this account when the reporting is not accurate. I've disputed this with them a number of times and they did not take further action., claiming that the account is accurate when it's not. 

Collection account from XXXX XXXX ( Account No. XXXX ) Original Creditor : XXXX XXXX The date open and closed are not accurate. The balance is also not correct. I do not owe {$1000.00}.
Product: Credit reporting or other personal consumer reports

I have asked to get written proof of debt, delete my collection account that has been paid/ closed to be removed/ I have asked to have inquiry not mine or I have no affiliation/open credit with them removed. I have paid/closed accounts over 5 years in report. I have asked multiple times to delete or rwmove
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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 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: Debt collection

I took out a loan years ago, and I did not pay it off. I was unaware of this outstanding debt until recently. Today I received an email saying legal action was being taken if it was not paid TODAY XX/XX/2020. I have responded to the email numerous times and called the number listed in the email but can not reach anyone. I did a XXXX search and found that loans through Ace/XXXX  have been subject to fraudulent scams like this, so I did not want to move forward with resolving the issue until I know it is legit.
Product: Credit card or prepaid card

I made a payment ( ACH ) last Thursday XX/XX/XXXX XXXX {$4000.00} ( entire balance ). My statement due date for payment is XX/XX/XXXX. Today I attempted to use my card for {$270.00} at the doctor office and was declined due to over spend limit. My credit limit is {$5000.00} but only have {$130.00} available. 

When I inquired why my payment hadnt posted I was told there is a hold placed on my payment until XX/XX/XXXX. Ive been a cardholder for over a year and no issues or late payments- there was an issue at XXXX last month when I payed my statement balance in full on XX/XX/XXXX but I corrected issue and paid in full on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that I am a victim of the XXXX data breach. This account is frivolous
Product: Checking or savings account

On or around XX/XX/2018, I reported 30 days of Charges on by business debt card estimating to discrepancy of XXXX to Bank Of America and the XXXX police dept.. Sometime in XXXX claim denied due to charges made with pin use. In that conversation, I explain that I realized that the 2 business accounts ( XXXX XXXX ) I had one was the primary account and sub-account and the original report I stated I had possession of the card. I realized I did not and sent in a statement correcting the original report.I also learned from that conversation the charges had been made during my working hours, so I submitted a detail report of the time card. I then followed up with the XXXX police dept who stated they record the incident but do not do an investigation because banks usually pay. requested an investigation that did not start until early summer because the officer assigned was not available. Officer ( XXXX cell phone XXXX ) reports back to me that he can not obtain the actual transaction to investigate with the vendors the fraudulent activities was made at because BOA will not release to him. I spoke to the store manager of one of the places the card was used and they state card transactions can be traced back a year if I can obtain information of detail times the card was used each transaction.
Product: Credit card or prepaid card

To : Federal Trade Commission Consumer Financial Protection Bureau From : XXXX XXXX Department of Homeland Security XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Re : Closed XXXX Account payments Fraud I XXXX XXXX XXXX under penalty of perjury solemnly attest that the statement included in the complaint is true. I opened a Wells Fargo Platinum VISA in XX/XX/XXXX. After falling on hardship due to medical conditions in XX/XX/XXXX I asked to be added to the hardship program which reduces the interest rate from 24 % to 6 % during a defined period of time thus reducing the liability shortly after learning about the account fraud committed by Wells Fargo or other atrocities for which Wells Fargo has become known. 
It is my belief Wells Fargo Platinum VISA has blocked web access for its credit card in an attempt to get customers to visit their branches and possibly create new business and be able to assess unwarranted fees to many of their customers by making modifications that prohibited on time payments. Wells Fargo granted the request but discontinued the program while I was XXXX to the XX/XX/XXXX Hurricane in XXXX  and XXXX XXXX and did not have access to my account number to reestablish web access and was unable to make payments or remain of the phone with customer service for hours trying to resolve a simple issue of making payment while responding to disaster survivor needs as an XXXX   XXXX establishing disaster relief centers. 
I contacted the customer service call center today and after a 20 minute wait finally got through to a representative. The representative informed my payment would be {$40.00} per month during a call in XX/XX/XXXX which I made in XX/XX/XXXX 15 days early I was told today XX/XX/XXXX that the payment was $ XXXX monthly and it was reported to the credit bureau as a late payment. I was also told that Wells Fargo blocks web access for account viewing ( https : //www.wellsfargofinancialcards.comXXXX ) only allowing access to payment website ( XXXX XXXX XXXXXXXX ). With the dynamic payment modification which Wells Fargo practices how am I supposed to know what the accordion style payment calculations will be if I am traveling and have no method of reading written correspondence from them nor viewing capabilities of the payment amounts due online. This practice of approximate fluctuating payment for consumer requested closed accounts in which the balance is decreasing since purchases can not be made has to be illegal and certainly unethical to myself and countless others. I was told that most of the calls they receive are regarding website access. 
After making a payment today the customer service representative informed me the payment will be approximately {$85.00}. 
While I am furious about these types of atrocities i am more concerned about how wide spread this may be generating millions for the bank and placing countless of victims at risk. I ask there be a full scale investigation into Wells Fargo especially with the unethical practices for which they have become known.