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

I am writing to address a concerning issue regarding my credit report. Upon careful review, I have identified several instances of late payments that are inaccurately recorded on my credit history and I would like to dispute these erroneous information. I strongly believe there is an error in the reporting of these late payments, as I have consistently made timely payments for the mentioned accounts. I also called the banks and they said they would correct and update the accounts. I kindly request your assistance in investigating this matter and, if warranted, correcting the information on my credit report. I am fully aware of the significance of accurate credit reporting and am dedicated to upholding a positive credit history. Hence, I would appreciate your prompt action on this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

Wells Fargo charges " overdraft fees '' for every little thing. They charge me for a overdraft fee, and I paid it back before a work week come in. On a Monday the bank still charges me a fee. I put the money in there on a Saturday.
Product: Checking or savings account

I setup a trust account at XXXX Bank of America. Worked with XXXX XXXX XXXX. 
I also setup an account at XXXX  XXXX  to redeem XXXX XXXX bonds because B of A would not cash them for me as a deposit to my account. I created a conversion account at XXXX  XXXX, entered the bond info, created a manifest and mailed the bonds to XXXX. 
XXXX  XXXX sent me an email that there was a problem with data at the bank and to contact them. I talked to the XXXX broker and the bank manager to no avail. 
I spent XXXX XXXX hours waiting to talk to the XXXX  XXXX person. I provided ID, security question answers, account number and ACH routing number. She told me that the routing number was the problem and that she gets these calls every day and they always involve B of A. Bank manager says there is only one routing number and it can't be the bank 's problem. Someone has to take responsibility and get me the money, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bankruptcy on my Experian report should be removed immediately, it is unlawful to have a third party furnishing the wrong information on my credit report. As it can be seen, nothing showed that I have debtors/creditors/collectors that are included in the BK what so ever, therefore it has to be removed ASAP. The Bankruptcy courts do not affiliate with credit reporting agencies as I was told in writing from the court itself, and I have shown you the proof before. Should you not remove this frivolous action reported on my credit report, I will have to contact the court to order Experian for a removal, and I will file a lawsuit against your Bureau for the all the years and damages that was caused to my credit. Experian keep saying that they got the information from a third party which is unlawful by FCRA LAWS, their answer has been always the same.
Product: Payday loan, title loan, personal loan, or advance loan

I have been paying on my loans for over a year now. Although I refinanced more than once it some as if my loan amount hasn't decreased. My interest rate is XXXX plus percent and seem like I will never be able to pay off this loan. XXXX is being charged on my account bi weekly but still I am not seeing any results of the loan amount decreasing. Major the payment is going towards the interest not the principal. After 2 years of payment it says I only paid XXXX of my loan. The interest rate has also increased over time
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

In XX/XX/2018 I requested, and I asked for Validation of the debt. Portfolio Recovery Associate have ignored numerous attempts to properly and legally validate the account. Portfolio Recovery Associates has reported delinquent information to the credit bureaus, I am demanding that this information be deleted from XXXX, XXXX and XXXX. I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done Business with this company. I want this removed from all 3 credit bureaus files. No validation has ever been received by the credit bureaus for proof of this. I sent letters to Portfolio Recovery Associate in response to a notice sent to me. My notices were sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809b that I disputed their claim and requested validation.

My letters were not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named, Title and Section. I respectfully requested that Portfolio Recovery Associate provide me with competent evidence that I have any legal obligation to pay them. 
I asked for and as required by law to provide me with the following : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

I never received a copy of a signed contract as required by law. This company in which I hold no contract with nor have received services. This business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I DEMAND they remove the marks from my credit reports XXXX, XXXX and XXXX. Portfolio Recovery Associate placed these marks on my file before any proper validation was confirmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a FTC report because I found fraudulant accounts on my credit report and nobody was helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cease and desist furnishing my personal data without my consent and remove all inquires on my report.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter challenging the account on my credit report that is reporting inaccurately. The account is XXXX XXXX XXXX XXXX XXXX. I informed Transunion that this is not my account and somehow, they claimed that it was verified. Furthermore, the account has discrepancies between the 3 bureaus. XXXX is reporting 18 late payments while XXXX reports 17 late payments, and Transunion does not report any payment history. XXXX reports that this account is paid off, but Transunion is reporting that this account is 45 % paid. How does this meet FCRA regulations? I do not believe an investigation was done. You have failed to validate this account. Additionally, as per the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsection A-D ), please provide me with the names and business addresses of each individual who verified the aforementioned items, so that I can follow up accordingly. If you can not furnish this information, remove the account from my credit report. I attached the dispute letter, which is dated, and time stamped along with the inaccurate credit report.
Product: Credit card or prepaid card

Im filing this complaint against American Express ( Delta Gold Sky Miles ) concerning renewal fees, interest charges and late payment fees assessed against my account. My credit card account is managed by my son. The credit card that I had with American Express was due to expire the end of XX/XX/2020, and in XXXX I made decision not to renew my card due to COVID, and not feeling safe to travel at my age of XXXX years with the free bag privileges. I paid the merchant purchases owed made in XXXX of {$61.00}, and left the unpaid balance of {$99.00} ( Annual Renewal Fee ) open. Since I didnt understand how to cancel the account on my own, I waited until my son visited me in XXXX to formally close the account over the phone since I was getting billed for the {$99.00} renewal fee. I had received a new credit card from American Express in early XXXX to replace the current one that expired, but NEVER activated it since I had no intent of using it. The remaining facts are as follows : My son made the formal call to American Express to cancel the card on XX/XX/XXXX with me at my home in Michigan. This was done with a representative named XXXX. XXXX was also asked to credit the {$99.00} renewal fee, and small interest charged assessed since I had no plans to continue the card, and that I had NEVER activated the new card upon receipt. She said since it was past the ( 30 ) days ( whatever that meant ), she couldnt remove it and would need to escalate it for review and to get it cleared. The reference number for the ticket was XXXX On XX/XX/20 seeing that nothing had taken place to credit the annual fee and late payment/interest fees on my account, my son called once again and spoke to a representative named XXXX. She said it was still being investigated, and that there should be resolution by XX/XX/XXXX. 

On XX/XX/XXXX we spoke with a representative named XXXX to inquire again the status of resolving this issue. The renewal fee, non-payment fee and interest charges now total {$130.00} as of this date, with another payment date of XX/XX/XXXX looming. The representative said the ticket was closed on XX/XX/XXXX, yet the annual fee, interest, and non-payment fee remained on the account with no communication to me after the ticket was closed. At the end of the call with the representative, he said that the situation would be taken care of and the fees would be credited back. 

On XX/XX/XXXX, I had my son check my account online again. To our amazement, nothing yet had been done by AMEX to rectify our problem, and another {$40.00} late fee had been added. The outstanding balance now is a {$170.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. 
XXXX XXXX has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by 16 CFR 313.7 and 15 USC 6802. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with 3rd party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB according to 15 USC 3805.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open 2 accounts XXXX XXXX & XXXX opened XX/XX/2018 and XXXX opened XX/XX/2018. I contacted the bureaus to dispute this matter over 45 days ago and I have not received any answer back from bureau or creditors. They are not cooperating or helping me to try and get this resolved immediately. It is not ok for them to report inaccurate information or information that does not belong to me. Please investigate this matter, close and delete these 2 accounts and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
Product: Credit reporting or other personal consumer reports

Victim of identity credit card fraud. 

XXXX  XXXX is reporting I am 30 days late, I am not late.
Product: Credit card or prepaid card

My name is XXXX XXXX ( born XXXX ). SSN XXXX XXXX XXXX. My foster parents XXXX XXXX XXXX and XXXX XXXX XXXX fraudulently opened this loan account under my name. They had also attempted to open one for me on XX/XX/XXXX for BankAmericard Travel Rewaed Visa but were declined. My account was opened on XX/XX/XXXX and canceled on XX/XX/XXXX by the credit grantor. XXXX XXXX who lives at XXXX XXXX XXXX XXXX, XXXX, OR, XXXX, whose DOB is XX/XX/XXXX and whose SSN is XXXX is behind all this stuff. She ruined my credit. I was disputing it with XXXX, XXXX and XXXX but the credit rating agencies keep on telling me " paid as agreed ''. My foster parents have committed an ID theft and a felony fraud.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX I got approved for a {$750.00} flex loan upon receiving this loan I was told Ito give my bank account and routing number and debit card information the company took copies of it saying at the beginning when I was applying for the loan that the money would be deposited in my bank account. They told me I was approved for {$750.00} then the clerk said they can only give the money to me on a XXXX XXXX debit card upon activation of the card {$5.00} was already taken off the card which that was never explained to me. We talked about repayments for the loan it was stated to me that I will be notified by phone call mail or email when a payment was going to be taken out of my account the 1st payment I was notified by phone call the second also by the third payment I just start seeing different names taking money out of my account which was causing overdraft fees they would take payments 2 times a week without notice so on XX/XX/2024 I walked in because upon calling asking questions I kept getting hung up on I asked for a copy of my contact which I never received it was told by the manger that it would be emailed i never got it but he gave me a copy when asked for payment history he said they would mail it to me I never received it I also submitted revocation of authorized payments for debts which I didnt know I signed up for because I was told o was given my bank information for money to be put in my account not for repayment upon submitting the letter I told them to mail the invoice and I will pay in person today is XX/XX/2024 and I still havent received payment history or invoice but on XX/XX/2024 they took XXXX out of my account and XX/XX/2024 they took 2 payments of XXXX which equals XXXX i still havent got a notice of payment history or payment dates this company goes by so many different names that I never gave permission to access to my bank account I have videos proof and I have my bank statements just didnt want to upload until I can find away to upload without my account information on there
Product: Debt collection

I was part of a barter/trade group called Colorado XXXX. We performed services in exchange for trade credit that could be used to purchase items/ services from other members in the trade group. I performed services for another member in the trade group valued at XXXX XXXX dollars. XXXX XXXX in cash and XXXX XXXX in trade currency. I purchased luggage from another trade member for XXXX XXXX and XXXX dollars. That leaves my credit balance at XXXX XXXX and XXXX XXXX dollars. I have the invoice I used to charge the client and email correspondence from the owner of Colorado XXXX acknowledging my services and my trade credit. I do not owe them anything, in fact, they owe me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a claim from XXXX XXXX credit card, disputing that my account with them is negative. I already spoke with them and addressed the issue. The account has been paid off. I would like this account to reflect my current status, and be taken off as a negative account in my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX, Amount {$3500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of ED/XXXX , AC # XXXXXXXX XXXX  : XX/XX/XXXX, Amount {$3300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, XXXX  : XX/XX/XXXX, Amount {$15000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Debt of ED/XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$5800.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX : XX/XX/XXXX, Amount {$6300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Product: Mortgage

Due to problems during the transfer of my mortgage from XXXX XXXX to Mr Cooper I have suffered impacts to my credit. They also failed to maintain payments on my home insurance which is in danger of being canceled. 

Mr Cooper needs to do a better job coordinating the transfer of mortgages from other lenders, and should institute some sort of manual process to review cases before issuing notice to credit bureau. 

Very unhappy customer.
Product: Payday loan, title loan, or personal loan

My personal loan lender, Wells Fargo Bank, assessed a late fee charge of {$39.00} on XX/XX/2019. This fee was a direct result of a payment processing error created by a phone-banking representative. 

During my XX/XX/XXXX bill cycle I had attempted to have the Wells Fargo Loan Servicing Center process a telephone payment of the regularly scheduled amount but unfortunately it was applied to the wrong Wells Fargo account. I realized, and sought to have this corrected, about a week later with a phone call to the same center. During that very phone call, however, I requested the balance, LESS the current amount due, to be paid in full as I preferred to handle the outstanding issue of the misapplied payment myself to avoid any further complication. Another bill cycle passed and the payoff never took place. Since then, and on multiple occasions, Ive attempted to follow up with the same center about this issue but I have yet to receive any follow up service ( phone or written correspondence ). 

I have even visited the local bank branch to get some help with this issue as well as pay the loan balance in its entirety. But with it still not being resolved at the time of submitting this complaint I left a balance on the account in anticipation of this correction/reversal.
Product: Vehicle loan or lease

Ihad purchased gap in surance and my car was impounded and in less than a month wells fargo went to impound and retrieved car and auctioned off for less than i owed but no wordonthe gap insurance and i was not maybe one payment behind should not have been repo and i later recieved a letter stating that they had made a mistake in processing that they owed me money
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security numberXXXX My correct address is : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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: Credit reporting, credit repair services, or other personal consumer reports

A few years back we entered into an agreement to have my student loans reinstated and have a payment plan. Part of our agreement was to have the late payments removed from my accounts and updated with all 3 credit reporting bureaus. This was never done despite us following through. This is now negatively impacting my credit.
Product: Debt collection

I received a collection on my credit report in the amount of {$560.00} from a debt collector called Midwest Recovery Systems for a loan that they say I applied for this year. The problem is that I never applied for a loan with this company at all this year and I want them to remove it as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX DATE OPEN : XXXX XXXX, XXXX XXXX XXXX   XXXX  DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position
Product: Payday loan, title loan, or personal loan

Reporting late payments and I was never late and paid the account off early.