23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ability Recovery Se rvices is reporting accounts on my credit report that do not belong to me. After checking my credit reports I noticed several invalid accounts being reported. I immediate disputed the accounts.  XXXX  fraudulent accounts reported by Ability were removed however they continue to report on another account. I filed a complaint with the Better Business Bureau and they responded requesting i submit a document confirming my identity. I submitted the document but company has not responded. They are continuing to report this erroneous account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a demand for method of investigation letter to Experian and the response is due back XX/XX/28. They are already " Updating my report with their findings. They have not changed anything and they sure are not sending me the documentation used to verify this like I asked for according to law. I have disputed these items over and over again over the years. They do nothing but send a form response and update nothing. They are refusing to send me the method of investigation like I asked.
Product: Checking or savings account

In XX/XX/2023, I noticed that Bank of America had started charging me a fee of {$12.00} a month. They charged a total of XXXX fees, for a total of {$84.00} dollars. I called the bank, and they confirmed that the fees had been charged in error. The bank refunded XXXX of the XXXX fees. However, they refused to refund more. I was informed there was no XXXX to speak with about this, no way to file an appeal, nothing to be done. Bank of America simple stole {$48.00} from me and will do nothing about it.
Product: Mortgage

I had mailed on XX/XX/XXXX, in the amount of {$240.00}, for the house payment, without their statement and their envelope, which I had not received. Enclosed in the envelope was a note and my check number XXXX. Today, I called their call center and a XXXX indicated that my check has not been received and had the audacity to say that all of my correspondence keeps being returned from the Post Office, which is a lie! They offer no remorse. <P/>Here we go again, another game play from these people. This has been happening since, XX/XX/XXXX. No matter how nice I am to these people, they are always playing games. These employees are playing with my money and a possible foreclosure, due to their irresponsibility and failure to take action. <P/>Their business practices are not professional, nor compassionate. Their actions are not, as such, unprofessional. I have never received an apology for any of their negative comments, nor action to offer to assist me on anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute a late payment that has been reported on my XXXX and TransUnion reports by XXXX XXXX XXXX XXXX The account was opened on XX/XX/2022, and I believe this to be an error. 

I have never been late with any payment, and this is my first time experiencing such a problem. I am at a loss as to what to do, and I am seeking your assistance in rectifying this issue. I am confident that I have been timely in all my payments to XXXX XXXX XXXX, and I will do anything to prove it. I have been a responsible borrower, and I take my credit history seriously. 

I understand that a good credit score is essential for financial stability and security, and I am committed to maintaining an excellent credit rating. I am aware that the Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccuracies in my credit reports. I am exercising this right to dispute the late payment reported by XXXX XXXX XXXX. 

I am confident that I will be able to prove that this is a mistake, and I am requesting that the late payment be removed from my credit reports. In addition, I want to stress that I will need an advocate if this happens again. I will not allow my credit history to be affected by errors or inaccuracies, and I will fight for my rights under the law. 

I am committed to being a responsible borrower, and I will not tolerate any action that might damage my credit rating. In conclusion, I respectfully request that you investigate this matter and remove the late payment from my credit reports. I am willing to provide any evidence or documentation necessary to prove that I was on time with my payments. 

Thank you for your attention to this matter. 

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

XXXX XXXX XXXX # XXXX is reporting a fraudulent account to my credit report. I did not open this account, someone else opened it in my name and got it charged off. I have never opened an account with XXXX XXXX XXXX  and this is not my account. I need this removed off my credit report.
Product: Debt collection

A medical collection was placed on my credit reports by XXXX XXXX XXXX. The medical account was fraudulent and was removed on XX/XX/2018 in the amount of XXXX. The original creditor was XXXX XXXX XXXX. 

I received an alert stating a collection was placed on my credit file. A company called XXXX XXXX has placed the same collection on my credit reports. I have never heard of this company nor did the company give me any notice or right to dispute, had they did what they are required to do according to the XXXX they would have known that this is a fraudulent account. What XXXX  XXXX is doing is illegal!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested the correction of an erroneous item that another credit reporting agency found to be inaccurate and had fixed. Due to the Bureaus ' lack of response, I classify it as frivolous, XXXX and TransUnion have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following account, which Credit Bureaus have failed to provide proper verification and another bureau has found to be inaccurate. They have 30 days to VALIDATE the account listed below : XXXX XXXX Balance : {$110.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found errors in my personal information that need to be corrected. I am requesting the removal of any inaccurate name variations, addresses, and employer variations that are not associated with me. My current employer is " XXXX XXXX XXXX ''. As required by the Fair Credit Reporting Act, my credit report should only include accurate and verified details. I kindly ask that this matter be resolved promptly to ensure the accuracy of my report and prevent any potential issues.
Product: Student loan

I have been paying my student loan every month for almost 12 years. I have never had a problem until a couple of months ago. They raised my payment {$250.00} more a month even though I made {$6000.00} less than I did last year. I have been paying {$190.00}. a month. I have mailed them 3 different Income driven repayment plans with a copy of my XXXX showing I made XXXX last year. They keep emailing me saying I made XXXX so they are basing my payment on that amount. I emailed them 3 times now saying to please look at my XXXX that shows I made XXXX but they email me saying I made XXXX. I will be XXXX in XXXX and I feel as though this is elder abuse. I have told them I can not pay the 450 a month. I have called several times but there phone number is for the XXXX, they have no number for the USA. The people in the XXXX put me on hold and say there computer is down and they can't help me. The student loan company is Navient. I want to pay my loan but I want it to be based on my income not the income they are saying I made. Please help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATION AGAINST 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Inaccurate and false information is being reported while the bureau is continually " verified '' the information. If is has been verified as correct then why is is different via 2 different bureaus. SEE ATTACHMENTS Clearly nothing has been verified, I DEMAND THAT THE BURAU REPECT CONSUMER RIGHTS AND DELETE THE FALSE ACCOUNT NOW. 

DELETE ACCOUNT XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been a customer of Citicards since XXXX and have always maintained a up to date account. On or about XXXX XXXX, XXXX their customer service department contacted me regarding a payment and told me that to avoid a late charge to submit my payment. She informed me that as long as I made a payment that I would not be charged a late fee. I then get a statement and they charge me a late fee. Why in the world would you tell me I was not going to get one if I made the payment and after I made the payment you gave me one. That is not good business. Let alone, by law there is a grace period for making payments. I will be terminating my business with them
Product: Debt collection

First Credit Services has been calling me for the last several months. Recently, they have started to text saying I owe a debt of XXXX  of dollars. I wrote them to validate the debt, but they did not respond. They called me again and denied that I wrote them. 

The debt they are referring to is from XXXX XXXX XXXX, which handled the payments of my gym membership. I called XXXX XXXX to cancel when I stopped attending the gym. They told me I needed to send a buyout check. I sent it as they asked. XXXX XXXX continued to charge me monthly fees. I called them again to cancel, they denied that I had ever cancelled or that they ever got my check. I called my local XXXX XXXX to resolve this. The manager told me that he got it resolved and I didnt owe any money. I double checked that I was all paid up and they assured me that it was completely covered
Product: Debt collection

I have issued a formal dispute with the credit reporting agency XXXX and XXXX over a bill that has NEVER been verified with me. This debt is held by a collection agency called Medical Commercial Audit Inc. NO verification letters have been sent to me plus I have requested this many times, litigation is  pending. 

The original account open date of so called collection account is XX/XX/2014, this is still open and unresolved. I believe this debt has no validity and therefore has every right to be disputed. MCA has no intentions of deleting this account from my credit file it seems so appropropriate action will be taken. 

I demand this Co. take action immediately and satisfy this complaint and take action to remove this entry from your database and ALL credit reports immediately. 

Further action such as reporting this to the XXXX and other Complaint Forums will be done right away and made public.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/202XXXX XXXX  XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

I established an account with Truist bank a month ago. I deposited a large cashier 's check from XXXX XXXX and they would not give me access to any funds for 7 business days. 

Today I tried to use XXXX to pay a contractor who did work for me. I put in all the required info and the contractor was already in the XXXX system. The requested payment amount was less than 1 % of the monies sitting in the account. The company put a hold on the transfer without telling me why. When I called the company to release the hold, I was transferred multiple times and asked to verify my information upon each transfer. I told them the purpose of the transfer was to pay a contractor who had already provided service to me. Even though I was verified as the customer by multiple persons, had a legitimate business reason for requesting the transfer, and the requested transfer amount was less than 1 % of the funds in the account, I was not able to get them to release the money until after I had been on the phone with them for over 55 minutes. And then they did it begrudgingly. 

Why should a company be so difficult in releasing money for legitimate business reasons? Why should a company continue to withhold funds without explanation against the consumer 's wishes after they had verified the consumer 's identity multiple times and established the consumer 's legitimate reasons for the request. This should be illegal.
Product: Credit card

On Wednesday, [ XX/XX/2015 ], I initiated a transfer of funds from my non-Wells Fargo account to my Wells Fargo account. The transfer was approved on Friday, [ exact date ], yet I was still unable to access my money. After several days of waiting, I contacted Wells Fargo on Monday, [ exact date ], only to be told that my funds were placed on holdwithout any notification via email, phone, or online banking. 

This is not the first time Wells Fargo has done this to me. There was no valid reason given for the hold, and I was left completely in the dark for five+ business days, unable to access my own money. This delay put me at risk of missing critical payments, including my rent. 

To make matters worse, when I tried to contact customer service earlier, the wait times were 40-50 minutes. This made it impossible for me to get answers sooner. It is completely unacceptable for a bank to hold a customers money for nearly a week without notification, transparency, or justification. 

I am requesting a formal explanation from Wells Fargo as to why my deposit was held, why I was not notified, and what actions will be taken to prevent this from happening again. I would also like to know if there are any regulatory actions that can be taken to hold Wells Fargo accountable for this lack of transparency.
Product: Credit card or prepaid card

Back in XX/XX/XXXX, I purchased a new mattress from Mattress Firm. Against my better judgement, I decided to open a credit card financed by Synchrony to pay for it instead of one of my other cards since there was a promotion of no interest being charged. The credit line was for {$1200.00}. I paid every month, electronically and on time. Back in XXXX  of this year ( XXXX ) I was notified that they decreased my limit ( and left me with {$30.00} credit ) because they pulled my credit report and saw that the score was low ... My score is higher now than it was last year when I got the card!! I contacted them and got the same canned response. My credit reports are fine, and like I said the score is higher. I ended up paying the whole card in full. I heard before opening the card some consumers complained, but decided to take a chance anyways with the promotion being interest free. All I want is to close the account, but wanted to file a complaint first in case the account needed to be open. I want them to remove themselves from my credit report when I close the account. I'll never do business with these crooks again.
Product: Checking or savings account

several phone calls to keep account open and ask for my refund before sixty days as i need my money
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

For two months in a row, Synchrony Bank on behalf of an Asley Furniture account has charged me a late fee on a payment that was not late. As I stated to them, it's their problem that they sit on the payment until two days after the due date and then process the payment. They refuse to remove their fraudulent late fees
Product: Credit card or prepaid card

THE CREDIT CARD COMPANY CHARGE AN ACCOUNT PROTECTION PLAN FEE WITHOUT MY PERMISSION.
Product: Checking or savings account

On XX/XX/1920 transactions cleared my account. USAA has a history and multiple complaints from myself about reordering the charges to bounce items they can charge NSF fees for. Even though the account remained positive that day, they said the available balance was low because of pending items and chose to bounce a {$58.00} check and ACH bill payment instead of any of the 18 other items they could not charge NSF fees on b/c they were debit. They easily could have declined any of the other 18 charges or said any of the other 18 caused the low balance, but instead bounced a check which causes long lasting problems for me. I implore you to look into the repeated complaints of USAA reordering items to maximize their fees as it unfairly causes financial strain and unjustified accusations of non-sufficient funds when I had the funds in my account that day to pay for my son 's school fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint to CFPB regarding inaccurate, unverifiable, and reporting practices by XXXX XXXX, XXXX, and XXXX XXXX 1. I have been in contact via certified mail since XX/XX/XXXX up until recent XX/XX/XXXX regarding inaccuracies of my credit report such as names, addresses, residents that are not mine or where I receive my mail. They have continuously ignored my request to update my name which XXXX XXXX XXXX and my mailing address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX. This has gone on for several months despite request cent by certified mail, and calling speaking to representatives. 
2. I have asked for method of validation for information reported which had not been produced. For instance, after months of asking since XX/XX/XXXX, XXXX XXXX XXXX has finally been deleted on experian, however it is still showing on the other two reports. 

3. There are other accounts reported inaccurately and according to FCRA accuracy and reporting of E-Oscar have created numerous metro 2 errors. I have sent numerous letters certified and they have ignored removing/deleting these errors. 
4. As a consumer involved in the XXXX data breach, along with the three creditors my personal data has continuously been misrepresented on my credit reports and these addresses and incorrect information could put me in harms way to identity theft by these bureaus constantly reporting inaccuracies representational of my identity. 
5. As a result of Covid I am suppose to have free access to credit monitoring, and as a victim of identity theft. Experian will not allow me access to my updated reports every 7` days which was agreed upon as a victim of identity theft. They are soliciting me to pay XXXX dollars and some change to access my lawful information, and blocked my access to monitor my credit of there constant mistakes.
Product: Checking or savings account

My name is XXXX XXXX. I made a purchase on XXXX with a company called XXXX using my cash app debit card. Unfortunately I had to cancel my order and request a refund. My cash app account statement shows the refund was completed and the merchant also says the refund has been completed but yet CASH APP customer service continues to claim the refund hasnt been processed. Every time I provided them with proof they are lying they stop responding and disconnect me from the chat. They first tried to tell me the refund was cancelled by the merchant and I needed to contact them. After I refused out to and talked to the merchant they confirmed they did NOT cancel nor it wasnt even possible to do so. The merchant also confirmed that his account showed the refund as being completed. Everytime I try to get an answer and provide evidence that Im being lied to they stop responding and disconnect from the chat.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting Everything has to be 100 % accurate on my credit report. 

The credit report states my account was properly investigated but How is that if The address that XXXX XXXX is reporting is incorrect I never live at this address shown on the The original contract XXXX XXXX XXXX XXXX Fl XXXX I requested from the creditor a copy of the Explanation of Calculation of Surplus or Deficiency this letter was sent out on XX/XX/XXXX How could I have received this Letter if I never stayed at the above address I am attaching documents Shows my address where I was living at the time that this letter was sent out i was currently staying in a XXXX XXXX XXXX Address is XXXX XXXX XXXX XXXX where I was staying at the time of this letter I have a copy of the letter that the Shelter provide for me for verification purposes up until that time I moved into my own place Address is XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX my move in date was XX/XX/XXXX I have attached my rental charge payment ledger to show the date I moved in This place the dates and Address do not match what the creditor is Reporting on my credit report Explanation of Calculation of Surplus Deficiency states I live at XXXX XXXX XXXX XXXX Fl XXXX this is not true or accurate ive already submitted a dispute on the accuracy of the Debt I owe is inaccurate two on my Explanation of Calculation of Surplus or Deficiency it shows a balance of XXXX The creditor reporting a balance that shows on my credit report is XXXX Is not accurate I am attaching documents showing the accuracy of my address And the Balance thats being reported Is not accurate This guards for removal they also violated my rights Under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 2 : it also states a consumer reporting agency can not furnish a account without my written Instructions Also the credit bureau to more than 30 days to complete my investigation