23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My Wells Fargo checking account, on XXXX separate occasions was incorrectly managed. Each time my balance in the account was about {$50.00} less than it should have been. It appears that purchased was put in pending status, and the amount deducted from my balance. Then about XXXX days later those purchased were deducted again and placed in posted status. Each time I called Wells Fargo and spoke with customer service regarding this error. Each time I was told that that could not have happened ; that the items in question would have to had been credited back to my account and only deducted once. Some of these transactions resulted in overdraft fees having been charged. In short, I am out of about {$250.00} due to Wells Fargo 'bad ' accounting. I am closing the checking account ASAP. Is there a way I can be refunded the {$250.00} dollars. I have no documents to attach since the day the transactions that are deducted twice or placed in pending with a certain date ( and that is the date I use to deduct from my balance in my checkbook ), then those transactions are again placed in 'posted ' XXXX or so days later with another date. So the transactions do n't appear XXXX on the statement, the date are just changed. Exampled : Pending XXXX/XXXX/16 and deducted from balance, then days later Posted with a date of XXXX/XXXX/16. But, the transactions were deducted twice!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 to 90 plus days past due on XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

well on the date of XX/XX/2023 i filed a dispute through the CFPB to XXXX XXXX an XXXX as well due to the fact that there are reporting incorrect info on my credit report that is damaging my life in way not even known and they both got back to me one in just a Little under a month and thee other in just a little over month witch is not legal but anyway to put it short they are both saying the same thing to me about not being able to understand what it is that i am filing about well it is clear to see an is clearly not rocket since i have sent screen shoots to back my claim as well but here i am doing this again because i filed a dispute with experian as well and they are getting back to me with the same response as well so here i am to clear the air one more and hopefully final time so that they understand i have updated info on the things that i am filing about and will one again post screen shoots with this dispute please help for one they want up to date address info and that i do not have because i am currently XXXX XXXX XXXX XXXX so as far as an address to give i dont have one no one wants to rent to me because i have bad things on my report and to boot there are all different on each sight and all i get is this nonfiction saying that my reports are out of date and will up date in x amount of days or i can just pay to have updated right away witch i dont think is legal either not sure but this is really crazy that to know what i am talking bout they need to know about my past an current living situation its wrong and just down right unfair and it need to be fix so again i am saying its not rocket silence if all 3 are not reporting the same then that is grounds for removal getting back to me 30 or more after i file a dispute is also grounds for removal of any negative info on my report and one deletes it all of them have to delete it so please do so asap thanks
Product: Credit card or prepaid card

I applied for and was granted a PayPal credit card. I sought the card because the PayPal credit card website promised 2 % cash back on all PayPal purchased when using the PayPal credit card. I proceeded to try to use the credit card when making PayPal purchases. PayPal lists " PayPal credit '' as option for a method of payment. I assumed that " PayPal credit '' was the same as the PayPal mastercard credit card, so I used the PayPal credit option to make about {$1000.00} in purchases, expecting to receive 2 % cash back on those purchases. When I did not see the 2 % reflected in my account, I reached out to PayPal. The automated assistant told me there were no such rewards. It took multiple rounds of my trying to communicate with PayPal and my reviewing the letter I'd received in the mail from PayPal mastercard which included my physical PayPal mastercard credit card before I figured out that PayPal credit and the PayPal mastercard credit card are two completely different entities. Worse, PayPal would not let me add the PayPal mastercard credit card to my wallet, making paying for PayPal purchases with my PayPal mastercard credit card impossible, thereby making it impossible to earn the advertised 2 % cash back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loss of job, house, and wages due to COVID- 19, Since then I have been declared 100 % XXXX and now I am on a set income from the government and deemed totally XXXX. This account is not reporting correctly The balance should be XXXX not XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a collection appeared on my credit report from XXXX XXXX. It was an amount from XXXX. They had tried double billing me so I did a credit card dispute for the double charge. They took both charges of my account, but then instead of sending me a bill they sent it to collection instead. When I received the collections letter, I paid the original creditor in full, however the collection agency still shows on my Equifax report. I tried to dispute the inquiry however 2 months later my report still shows in dispute. Payment was issued in full to the creditor, before 30 days was even up.
Product: Debt collection

XX/XX/2018 -- Received a call from ( XXXX ) XXXX with a threatening voicemail. " Hi ***** this is XXXX with XXXX XXXX. I am calling because a claim has been filed against your name and social security number. Please be advised, you have been scheduled to receive a final demand letter to be delivered to your location or place of employment and we wanted to talk with you before you sign that certified document. I highly advise you contact my department at XXXX ''
Product: Debt collection

I received a correspondence in the mail on XX/XX/XXXX for a charged off debt from XXXX. I feel that it is way past the debt timeframe and I should not have to pay.
Product: Credit reporting or other personal consumer reports

I always make my payments on time. It shows that I am 30 days late in XX/XX/year>. I am under an automatic draft and not certain as to how this occurred and is an error on my part. However, I understand according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), does not include transactions or experiences between the consumer and the company. 15 U.S. code 1666b ( a ) credit may not report late. I'm asking that this late payment be removed from any credit report as a gesture of goodwill. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with my information on my file. I have several address that I never lived at on my credit report. My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX I have a unverified account the I never done business with XXXX  XXXX # XXXX or XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to see inaccurate accounts on my credit report and I can't understand why. I regularly review my credit report, and nothing like this has happened before, but now there are mistakes that came out of nowhere. I thought maybe it was a browser glitch, so I refreshed it, but the incorrect accounts didnt disappear. Because of this, Im requesting that the documents I provided are carefully checked to prevent this kind of issue from reoccurring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Experian, XXXX XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. Experian, XXXX, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian, XXXX, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

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

Wells Fargo bank is interfering with the processing of Checks disbursed by Georgia Crime Victim Compensation Program, GCVCP, ( APPROVED CLAIM NUMBER XXXX PURSUANT TO O.C.G.A. 17:15:7 ). Currently, GCVCP writes the checks from a Wells Fargo bank Account, and I want to file a claim for My Money. I AM THE INNOCENT VICTIM OF XX/XX/XXXX-THURSDAY CAR WRECK WHERE I SUSTAINED SIGNIFICANT XXXX, XXXX, AND XXXX  XXXX. I have been APPROVED FOR {$25000.00} AND CURRENTLY GCVCP IS IN ARREARS REIMBURSING ME {$15000.00} FOR APPROVED CARE, TREATMENT, AND INCURRED EXPENSES RESULTING FROM DIRECTLY FROM XX/XX/XXXX-Thursday car wreck, and currently GCVCP owes me {$15000.00} and have FAILED TO DIRECTLY COMPENSATE ME. 

Their RECKLESS AND EGREGIOUS attitude is interfering WITH THE CONTINUITY OF COMPETENT ( SAFETY ) CARE AND SAFETY TREATMENT FOR ME. I am an emotional wreck, and now they are wreaking havoc on bank account preventing me from getting stable banking accounts with Wells Fargo ( REMEDIED ON XX/XX/XXXX, MONDAY ). 

DESIRED RESOLUTION ( 1 ) LEVY THE ACCOUNT OF GEORGIA CRIME VICTIM COMPENSATION PROGRAM, GCVCP, FOR {$15000.00}, AND DEPOSIT CASH INTO MY CHECKING ACCOUNT WITH WELLS FARGO. THE GCVCP ACCOUNT INFORMATION IS ON THE MULTIPLE OTHER CHECKS THEY HAVE WRITTEN TO ME. 



Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Product: Checking or savings account

I previously filed Capital One CID : XXXX Complaint ID : XXXX and Capital One CID : XXXX Complaint ID : XXXX but have received insufficient information to determine whether I continue to be a victim of identity theft due to an account opened at Capital One 360.
Product: Credit card

I signed up for a Chase Southwest Rapid Rewards XXXX card with the assumption that after paying a {$99.00} annual fee and spending {$3000.00} in the first 3 months I would receive a signup bonus of XXXX southwest miles. After 3 months I was sent a postcard stating I wasnt eligible because I had already recieved that bonus. Indeed, I received a bonus, however it was for the Chase Southwest Rapid Rewards PLUS. In the terms and conditions on the application page it says, " This product is not available to either ( i ) current cardmembers of this credit card, or ( ii ) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. '' Since I previously had the PLUS card I believed, and still believe, that " this card '' when referring to the XXXX card would NOT include the PLUS card. All my attempts to explain this to customer service were futile. They advised me to fax a complaint to the XXXX, which I did, it 's been around a month now and I have n't received any sort of reply.
Product: Credit reporting or other personal consumer reports

Equifax provided the last XXXX digits of an account being reported by XXXX XXXX. Account ending in XXXX. XXXX XXXX accounts were reported to XXXX XXXX as identity theft and reported to the FTC. XXXX XXXX has failed to verify account but reports fraudulent account to Equifax.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX XXXXe agent on behalf of the XXXX XXXX XXXX XXXX, Estate. THIS IS NOT A DISPUTE, but rather a notice and complaint to correct and update unfair and inaccurate information being reported on behalf of the Estate. I recently checked the Principal 's credit report and observed late payment information being furnished to credit reporting agencies including but not limed to Trans Union, XXXX, and XXXX. Trans Union and XXXX is showing a late payment for the month of XXXX in XXXX  and XXXX is showing a late payment for the month of XX/XX/year>. How can this be? And if credit reporting for a Principal 's account must be 100 % accurate, fair, and complete, why is there an inaccuracy on the Principal 's credit report? The Principal is seeking new credit for personal, family, and household purposes and is being denied due to this error. I am seeking redress, to be compensated for damages in the amount of {$1000.00} for this error, and for the late payment information to be permanently deleted from the Principal 's file with XXXX XXXX XXXX XXXX and for the tradeline information to be updated with the credit reporting agencies to show that the " account '' is " payed as agreed ''.
Product: Debt collection

In XXXX I was a patient in XXXX XXXX Hospital in XXXX XXXX, Texas. At the time I was a student at XXXX XXXX XXXX, which I obtained insurance through my tuition. My insurance had taken care of my doctors visit/hospital stay. Now 8 years later ( XXXX ) Pioneer Credit Recovery is calling my work stating they are going to garnish my wages for these past due debts that I supposedly have from that previous hospital stay.
Product: Vehicle loan or lease

I paid off my lease with Kia Motor Finance in XX/XX/XXXX. I purchased the car from XXXX XXXX XXXX in XXXX WA who set up the lease. I completed the odometer statement in XX/XX/XXXX. I've never received my title. I've called 3 times over the year and each person couldn't figure out why I haven't received it and said they would send it again. On XX/XX/XXXX the person said the odometer statement was denied. She reviewed the statement and said she doesn't know why it was denied because it's was completed correctly. She said she will email the odometer team. I have no faith that after my fourth 20 minute phone call that I'm any closer to receiving my title that should have been sent XX/XX/XXXX.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Dispute of Collection Account and Violation of Rights Dear Sir/Madam, I am writing to formally dispute a collection account that has been reported by Merchants Credit Bureau to consumer reporting agencies. This dispute is based on violations of my rights as a consumer, specifically under the regulations outlined in 12 CFR 1006.34.

Failure to Provide Validation : The collection agency has not provided validation of the debt as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed the collection on my consumer report, impacting my credit standing without proper verification.

Denial of Dispute Opportunity : I have not been given a chance to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). This denial of my right to dispute the account is a clear violation of consumer protection regulations. 

Use of False and Deceptive Means : The collection agency is violating my consumer rights by using false, misleading, and deceptive means. Their actions do not align with fair debt collection practices and are causing undue harm to my financial well-being. 

Failure to Provide Required Disclosures : The collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law. This failure to comply is a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Merchants Credit Bureau for their violations. Additionally, I request that the collection account be removed from my consumer report until the necessary validations and disclosures are provided. 

I am also revoking all rights of XXXX XXXX XXXX XXXX communicating with me through email, text, and calls. I am requesting debt validation and the purchase agreement between XXXX XXXX XXXX XXXX and the original creditor. I am also requesting proof that they are licensed and bonded Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

I requested that Capital1 validate the charge-off account : XXXX reporting on my consumer report along with the original contract that I signed in XXXX of 2023 through certified Mail. Capital1 has still not responded to my dispute however, they are still reporting the account on my consumer credit report with XXXX and XXXX.
Product: Mortgage

I have contacted Shellpoint Mortgaging several times by phone and some email to resolve this issue. I just need the lien release paperwork and title for the payoff off on this mortgage. The buyer 's paid this loan off effective XX/XX/2020. I can not find anyone to contact at this company that will get this resolved for me. I was told on one phone call that this could take 60-90 days, I was told on XX/XX/2020 that the paperwork was going in the mail on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like a full credit repair for all credit bureaus. They have incorrect information on my reports and Ive tried to dispute them but get the same answers every time
Product: Credit card or prepaid card

on XX/XX/2020 a chair was purchased from XXXX in brown from the online order entry Order confirmation indicated a black chair was shipped. They were immediately advised -- Correct ( brown ) chair shipped and paid for. Order tracking indicated initial black chair rerouted to a XXXX return center. We never ordered or received the black chair. 
We have gone through multiple dispute resolution rounds with Bank of America ; they refuse to credit, in fact, are now charging interest. 
We have a large volume of documentation supporting our claim, however XXXX  ( XXXX XXXX XXXX  ) refuses to credit. We did not reroute the first chair, nor have any idea on its disposition by XXXX 's shipper We would like this credit applied and all interest waived
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has placed a fraud hold on my credit report. I have repeatedly sent the requested information to prove my identity to remove the hold. This information has been sent by certified mail, fax and email ( requested by Equifax even though they do not accept documents via email ). I am unable to secure an apartment lease due to this fraud hold and Equifax can not seem to find the documents that they continue to request
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$46.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXBalance : {$1800.00}
Product: Credit reporting or other personal consumer reports

Hello, i just checked my credit report and i was shocked from the fact that i have a collection from XXXX XXXX XXXX on my credit report in amount of XXXX $ original creditor XXXX, ive never even had XXXX in my life and i do not have a contract with XXXX XXXX XXXX, i need to get this collection removed asap because im im the process of buying a house for my family now and this collection is really hurting me. Thank you in advance. 

Account number XXXX Date opened XX/XX/XXXX Amount XXXX XXXX
Product: Bank account or service

I deposited {$7000.00} into my checking account. Wells Fargo took {$4000.00} for a delinquent student loan. I called and spoke to XXXX XXXX, supervisor, who stated that this is a " different kind of fraud '' and we would not have the money redeposited. We would not have the money re-deposited, we would have to wait for 5 days to determine if its " fraud '' and we would not receive a new account number since this was money was taken through Wells Fargo. We made bill pay and are now left with a large amount of overdraft fees. Wells Fargo Education had signed off this loan on my credit report after making 5 years of payments without a change in the overall amount owed. They made payments so high I could not pay them. And now they stole {$4000.00} from my account without filing a claim through the legal system. No notification by mail or email was ever received.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. OFFICE OF THE ATTY XXXX XXXX Balance : {$5700.00} ; ATTYGENERL XXXX Balance : {$5600.00} ; OAG CHILD SU XXXX Balance : {$5700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for the removal of the fraudulent items that are still reporting on my Credit file despite the multiple letters and cfpb comlaints I have been submitting to the Credit Bureaus. It also has been brought to my attention that the Credit Reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB Complaint to help establish a legal recourse. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items that resulted due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed {$4300.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. If the Credit Reporting Agencies claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file the Credit Bureaus maintain under my Social Security number.