23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XXXX I made a {$190.00} payment to my credit to satisfy the minimum payment due on XXXX. The Wells Fargo website confirmed my payment went through and would be applied to the payment due date of XXXX. On XX/XX/XXXX, Wells Fargo started calling me every day telling my I never made a payment in XXXX. They said my account was deliquent and past due. They threatened me with fees, fines, and harmful damage to my credit scores. The Wells Fargo representatives gave me conflicting information as to why this happened, but after several days and many conversations with too many reps to remember, I finally got a straight answer. Wells Fargo took the money I gave them in XXXX and applied it to the XXXX billing cycle. Because I was being called, theatened, and harassed every day - sometimes multiple times in a single day - I was eventually coerced into making a phone payment I knew I could not afford. I tried explaining many many times that we can not afford to make the same monthly payment twice. I begged them to take the money I gave them in XXXX and put it where it belongs. They said the money I gave them in XXXX went to the XXXX billing cycle and there was nothing they could do - other than charge me fees, fines, interest, and hurt my credit - that was the only thing they " offered '' me. So I was coerced into making a credit card payment over the phone which came out of my checking account on XX/XX/XXXX. The payment included the money I already gave them in XXXX, plus the money that was due for the XXXX cycle. So it was more than double my normal monthly payment and I knew I would never be able to afford that. As a direct result of being forced to make the same payment twice, I have now been charged hundreds and hundreds of dollars in overdraft fees. My checking account is negative over {$400.00}. I am sure that my checking account would be positive, I am sure I would not have had any overdraft fees if Wells Fargo simply took the money I gave them in XXXX and applied it to the correct billing cycle. I have tried many many times to resolve this with Wells Fargo directly and they have consistently been completely unwilling to help me. Now, my family is in a crisis. I get paid tomorrow XX/XX/XXXX. But my account is currently hundreds of dollars in the negative. If this is not resolved today, when I get paid tomorrow, the negative amount will eat up a large portion of my paycheck and we had to ration the food in the pantry to get by this week so we're currently all out of food. I will not be able to feed my XXXX children and pay my bills unless I can get Wells Fargo to refund all of the overdraft fees in full. We are already struggling because we couldn't even afford to make the same payment twice but we did so anyways because of all the threats and harassment. We are already hurting and, considering I did nothing irresponsible to contribute to this situation, I think the very least Wells Fargo can do is refund all of the overdraft fees in full.
Product: Student loan

In XXXX XXXX, I took out only XXXX loan from Key Bank to study for the bar exam. My credit reports show XXXX separate loans all from XXXX XXXX. Due to the losing my job in XXXX, I fell behind on my bills including Key Bank. I have paid down the Key Bank loan from {$10000.00} to {$6000.00}. However, XXXX other accounts XXXX and XXXX XXXX Bank XXXX XXXX show that a claim was filed with the government for the same loan. A few problems. First, I have only XXXX Key Bank loan and it should not be reported the other two times on my credit report. I have sent requests to all XXXX for copies of the loan documents. Second, if the government paid on a filed claim, I am also paying and, hence, Key Bank received double payment. Third, if the government paid the claim, Key Bank is whole and should not be receiving payment from me and the loan should show paid. Or, Key Bank should refund the amount I paid and am paying to the government. 

All XXXX accounts should provide a copy of each separate loan agreement and papers. 
Since there is only XXXX loan, the other XXXX should be removed from my credit reports. 
If the government paid the balances off or any portion thereof, Key Bank should reimburse the government for the amounts I paid.
Product: Checking or savings account

I opened a new account at XXXX XXXX and set up direct deposit with my XXXX XXXX benefits. I did not get paid within 5 days like they normally do. I called social security and they told me that they had my citizens Bank account info. That was impossible because I just updated it. Which means my account was provided to some sad lowlife who can't get a job or bank account of his or her own. This has been going on for years now. I'm tired of this. I'm XXXX and these people are 100 % good and healthy and just lazy and think they can eat off my plate when I don't even want them next to me. On top of this I got a letter from citizens saying that they were either going to close my account or transfer it to someone else. Which means they illegally transferred my personal account to some XXXX XXXX XXXX XXXXXXXX that is pretending to be me. Sorry for my bad language again but I'm dealing with the same XXXX from every financial institution. All because people work at social security  XXXX XXXX and think it's okay to steal from the people they are supposed to be assisting with benefits. Instead they think that they're God when they're nobody and they need to kill themselves honestly. See my next two complaints they go hand in hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX  XXXX-Date of inquiry XX/XX/2020 XXXX XXXX XXXXDate of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPEN ACCOUNT STATUS HARD INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
USDOE/XXXX  XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, XXXX XXXX XXXXXXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

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 

Subject : Dispute of Unauthorized Credit Charge off account Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized charge off account that appear on my credit report. I did not authorize these charge off account and I am requesting that they be removed immediately. 

REMOVE ACCOUNTS IMMEDIATELY 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 XXXXXX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these charge off account are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized accounts and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized charge off account highlighted for your reference. Please notify me in writing once the accounts have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

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

Comenity Bank/XXXX failed to give me proper validation of this debt. 

I mailed Comenity Bank/XXXX a debt validation request on DATE certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Since XX/XX/XXXX, XXXX Wells Fargo is allowing my identity to be use by some thief. 
The thief has been using my address and my name as well as my email address and how did he/she managed to open multiple bank accounts using my information with or without the help of the BANK in QUESTION? 

Wells Fargo Bank has been sending me statement, letters, emails and even a debit card using my name, my address and my email address on multiple accounts I have not opened. I have NO business with Wells Fargo Bank. 
I have gotten multiple letters and collection letters from Wells Fargo as well. It's extremely annoying the endless amount of time/money that this FRAUD has cost me. 

I met/and contacted the bank on XX/XX/2022 in my community to discuss the issue. I made a report with the local police. I lost money because of this thief. 

But letters continue to insult my dignity and identity. 
Please I need an authentic answer to this issue. I worked all my life so hard to be abused by a thief who wants to steal my identify and commit financial crimes. 
Please contact me ASAP. 
THANK YOU! 
Or email me A fair solution to this issue, would be to compensate me for damages and lost of time, fear and mental health damages to my name/life which already is full of debts. I need to be compensated for the weakness or failure to secure my identity/the use of my personal information tacking my integrity, my dignity and my vulnerability as a hard-working person, a tax payer and a decent name. I want the bank to find the thief and let me know who did it. I want these accounts to be removed and permanently block the thief from further damage to me or anyone else. That's is a security issue because if we cant keep safe the business of money as a way to do make transactions, then we will be all forced to go back to trading goods which is a fair safer way to do business. il.com.
Product: Student loan

I spoke to Mohela customer service and Military customer service several times about my PSFL application and submission of W2 forms since last year when I submitted my PSFL application. At this time they can not help me resolve my issue. I am requesting to get my information looked at and processed. The customer service representative told me today they are waiting on further guidance to calculate hours worked since I sent in W2 forms. I work for the XXXX  and we are 24/7 so I do not understand what guidance Mohela need when it clearly states on student.gov website to send in W2s. I marked full-time on the PSFL application been in the XXXX since XX/XX/XXXX. This is very unacceptable and I need a resolution to this issue. I was told in XX/XX/XXXX to resubmit an application to get credit for the last 12 months and during that time I was never told that my W2s would put my application on hold. It is currently XX/XX/XXXX and no closure to my issue.
Product: Debt collection

Proof of when car was sold, Bill of sale, or contract. I send in my information along with police report several times .Also Amend Section 604 ( c ) of the FCRA to address the treatment of pre-screening report requests. Section 604 ( c ) governs the furnishing of reports in connection with credit or insurance transactions that are not initiated by the consumer. However I did reach out to the DMV to file a report due to the inaccurate information on my equifax credit file Also Office of the Attorney General office due to the discrepancies due to XXXX XXXX. Please cease and desist all calls and contact with me immediately to stop the harassment, accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ),
Product: Debt collection

On XXXX XXXX, 2016 I was contacted on my mobile phone and work phone by XXXX XXXX from American Credit Resolution XXXX XXXX ) XXXX. He was supposed to be a debt collector for XXXX Payday loans. I owed XXXX a debt of {$150.00}. ACR claimed they were calling to collect the debt, threatened that a courier would be coming out to my workplace or home to deliver a subpoena to go to court. He was asking for a total of {$3000.00}, because the {$150.00} had accrued a high amount of interested. I told him it was no way I was paying that and the only amount I would pay was the amount I owed. We agreed to settle at {$180.00} as long as the payment was made that day. I then proceeded to give him my debit card information and the funds were taking from my bank account on XXXX XXXX. I may have given him my social security number, however I can not recall. I really believed he was representing XXXX, because I was aware that I had an outstanding payment of {$150.00}. This guy new everything about me and the loan I had with XXXX. On XXXX XXXX I received a phone call from XXXX trying to obtain the {$150.00} payment. I advised them that I paid it on XXXX XXXX with American Credit Resolution. They then informed me that they have their own inside credit collections department and would never use a collection agency to collect their debts. They also mentioned that several of their customers mentioned being contact by ACR. When ACR withdrew the funds from my back it was listed as American Credit Resolution XXXX XXXX XXXX XXXX XXXX. I have since changed my bank account and debit card information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to report negatively against my credit both during a home loan modification process this past XX/XX/XXXX. Additionally, this company has refused to report payments received since XX/XX/XXXX. The company refuses to furnish the home loan modification agreement and is reporting my payments for over a year as unpaid. This company refuses to answer or return calls. I have been told that I have a " case manager '' overseas in the XXXX and have never spoken to anyone directly. This company continues to commit FRAUD against my credit report and collect monies that are not applied to my account. I have filed complaints over the past year with XXXX XXXX  and have not received a single follow up. Today I was on hold for 2 1/1 HOURS and have not received a single follow up. HELP PLEASE!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters and I am not getting any response. They are not providing anything that shows their investigation. They are taking more than 30 days to response, or they fail to respond.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXXXX is reporting my business account to my personal credit report which has tremendously affected my credit report. The credit card is for an LLC business account and should have never reported to any of my credit reports. That credit card has belonged to my LLC since XXXX with no late or missing payments. It has never been on my personal credit report till I viewed it this week XX/XX/XXXX. To is information has damaged my credit history and affected other credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion needs to have this removed from my credit report as this is hurting my credit. XXXX and XXXX already remove this from my credit reports. 

I was told by the XXXX XXXX representative that in exchange for me paying off this debt that I fell behind on that they would delete the debt from my credit reports. XXXX and XXXX had this deleted off my report. Can someone please help have this deleted off my Transunion report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple fraudulent accounts opened on my credit file due to fraud. I filed a police report and sent it in to the police station. The company would not remove the fraudulent accounts per my police report.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint against Equifax, XXXX, and XXXX for failing to conduct a proper investigation of disputes I submitted regarding inaccurate information on my credit reports, as required under the Fair Credit Reporting Act ( FCRA ). 

Here are the details of my complaint : I identified inaccurate information on my credit reports from Equifax, XXXX, and XXXX, including [ briefly describe the inaccuracies, such as incorrect account details, balances, or inquiries ]. 

On XX/XX/year>, I submitted disputes to all three credit bureaus via XXXX mail, providing documentation to support my claims. However, I do not believe they conducted a reasonable or thorough investigation. As many of my disputes the original company violated GA law. 

The failure to correct these inaccuracies has caused me significant harm, including unable to obtain employment, transportation, housing, and insurance. 

I am aware of ongoing concerns and lawsuits regarding credit bureaus failure to comply with the FCRA, and I believe my experience reflects a broader pattern of negligence. 

I am happy to attach copies of my credit reports, dispute submissions, and any correspondence with the credit bureaus to support my complaint. I request that the CFPB investigate this matter and ensure that Equifax, XXXX, and XXXX fulfill their legal obligations under the FCRA by conducting a proper investigation and correcting the inaccuracies on my credit reports. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a debit with the original creditor that was expunged to the bankruptcy they sold the status of private company who intern said that my bankruptcy does not matter that that I owe them the money they purchased it now I owe them to XXXX dollars plus the collection fees of {$5000.00} are very rude very negative went off my XX/XX/XXXXfiling of a chapter XXXX  instead of my filing of a chapter XXXX which included the stat him contact to the bankruptcy attorney they contacted them let them know that it was expunged from the bankruptcy courts they told him it doesnt matter that I owe them the XXXX  money pay or they were going to sue me garnish my wages and put me in jail I am over this Im over the abuse of tactics they are emailing me and my husband my friends my family calling my husband my friends my family my children my minor child
Product: Credit reporting, credit repair services, or other personal consumer reports

On are around XXXX I saw a lot of pre-approval on Credit Karma . At first I didn't pay it any attention, but Credit Karma keep sending me all sorts of different Pre-Approval telling me that I was pre-approved for credit card and personal and that I refinance my car. Everyday I would see these offers every time I logged into Credit Karma to check my credit score. After a few month of being told that I was approved, I thought I was now in a perfect place to apply. I got so many offers thru Credit Karma, I started telling my whole family about vacation and investments. We were going to use these pre-appovals for. I finally applied on or around XXXX and got denied for several credit cards and a personal loan.I was very distraught, I was very very angry and I felt deceived.I was marketed for months. Credit Karma telling me I was pre-approved. This was a Lie.I was severely stress out. I was nauseous, I had migraines so bad I became anti-social, my XXXX  went from XXXX. Now every time I see a pre-approval I immediately close my phone and shut my computer off.This has made me so uneasy and XXXX  that I haven't check my credit as frequently as I should.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX a collection account appeared on my Experian consumer credit report by the name of XXXX. The original creditor of the collection account XXXX XXXX was paid by my insurance company back in XXXX of XXXX. A Dispute was initiated on XX/XX/XXXX regarding this matter. Supporting documents was uploaded to Experian website 3 days later. On XX/XX/XXXX I called into Experian Dispute department spoke to a representative who was very rude. Not only was she rude but she also refused to allow me to speak to a supervisor. The representative spoke over me and did not allow me to argue my point. Stating that the Dispute is still pending that I must allow XX/XX/XXXX for my results. Later on that evening I received an email stating that the invalid debt came back as valid. I do believe that the Dispute representative I spoke to on the XXXX. Verified the dispute as valid on her own out of spite. Without the collection company responding back to the Dispute. Something that is illegal to do. I copy of the bill showing that the collection account was paid off last year is uploaded along with this complaint