23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

THERE HAVE BEEN MULTIPLE ATTEMPTS TO HAVE CREDIT CARDS ISSUED OR EXISTING CARDS MAILED TO AN ADDRESS IN XXXX WHICH IS NOT MINE ( I LIVE IN XXXX, FL AND HAVE NEVER LIVED IN XXXX ). WE ENROLLED AND PAID FOR XXXX MONITORING. THEY REPORTED IN AN ALERT THAT A NEW ADDRESS WAS ENTERED ON OUR CREDIT REPORT. I CALLED EQUIFAX AND THEY SAID THE NEW ADDRESS WAS ADDED BY EXPERIAN AND THAT I NEEDED TO CALL THEM. I CALLED EXPERIAN AND THEY SAID THE REQUEST CAME FROM XXXX XXXX AND I SHOULD CALL THEM. I CALLED XXXX XXXX AND THEY SAID THEY HAVE NO RECORD OF ANY XXXX ADDRESS ON MY ACCOUNT. 
THE EXPERIAN CREDIT REPORT NUMBER IS XXXX DATE XXXX XXXX, 2016 THE ADDRESS THAT IS FRAUDULENT IS XXXX XXXX XXXX, XXXX, FL XXXX ADDRESS ID XXXX XXXX XXXX DOES NOT RECOGNIZE THE ADDRESS. 
I SIMPLY WANT THIS ADDRESS REMOVED FROM MY CREDIT REPORT SO SOMEONE CAN NOT TRY TO CLAIM THAT I LIVE AT THIS ADDRESS.
Product: Debt collection

I open an account with the company call okcoin and I follow all the instructions from entering all the information required, even my debit card number from my personal account and the other one from my business account. I transfer the money to there platform without investing in any cryptocurrency or stock first transfer total amount of XXXX $ is on XXXX XXXX and the second transfer is on XX/XX/XXXX XXXX total amount of XXXX $ and third transfer is on XXXX XXXX total amount of XXXX $ XXXX transfer is on XXXX XXXX total amount of XXXX $ that is total transfer of XXXX just for your information i didn't invest in any stock that was just transfer to okcoin account and when I don't wan na hold the money in there account they return me only XXXX $ and XXXX $ total of XXXX $ in the end they scam me on XXXX $ after that they do unauthorized charge from my business account of XXXX $ I file it as fraud true my XXXX bank my bank did there investigation and they reverse me the money to my account as fraud now XXXX send me to the collection XXXX XXXX XXXX saying that i have to pay XXXX dollar i do have all the proof and all the transaction from my personal account and from my business account. all the proof and the the reversal money that my bank clam it as fraud is in the document joint plz help me with this situation. i was planning to buy a house next year now this company scam me and ruin my credit report by sending me to the collection
Product: Credit reporting or other personal consumer reports

upon reviewing my credit report, i discovered several unauthorized hard inquiries that i do not recognize. i contacted the credit bureaus to dispute these hard inquiries and requested their removal .Unfortunately, the credit bureaus refused to remove them off my report.this issue is causing undue stress and is negatively affecting my financial standing.
Product: Debt collection

In preparing to apply for a mortgage, I discovered a notice of collections on my XXXX  credit report for {$770.00}. The collections agency was XXXX XXXX XXXX in XXXX XXXX, Washington. 

I attempted to contact the company via their online contact form on XX/XX/XXXX and received no response as ofXX/XX/XXXX. I have also contacted the collections agency via telephone today ( XX/XX/XXXX ) and  they couldn't find any debt in my name or with my date of birth. They also confirmed that it was my social security number on the account and nothing else. 

I discovered via XXXX that the collections was for debt owed to XXXX XXXX. I have never done business with this company and do not owe them money. Upon contacting XXXX, they confirmed that they had no record of me as a customer. There was an account opened using my SSN, but not my name, date of birth, or address. I do not now, nor have I ever lived in the state they service. 

It seems highly irresponsible to report a debt on my credit report that does not match my name, date of birth, state of residence or any other information other than SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion had a computer glitch that caused some inquiries on my report to fall off. TransUnion then decided to readd the inquiries to my credit file ILLEGALLY without giving proper 5 day notice as required by law. I 've contacted TRANSUNION out of good faith to help resolve this matter and to help get the unauthorized illegally added inquiries off the credit file. Having these inquiries on this credit file is creating a harship for me and my rights are totally violated by TransUnion. I 'm asking that you help make TransUnion to stop victimizing me.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

This item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX Account # XXXX Amount XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX Amount XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX Amount XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX Amount XXXX XXXX XXXX XXXX Account # XXXX Amount XXXX
Product: Checking or savings account

PRELIMINARY STATEMENT XXXX XXXX XXXX, XXXX Filed a Discrimination Compliant with Bank of America at Bank at XXXX XX/XX/XXXX Discrimination complaint # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX is filing this discrimination complaint against BANK OF AMERICAN. Location at XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Financial Center Manger XXXX XXXX and XXXX XXXX, XXXX, Financial Soultion Adviser. On XX/XX/XXXX, XXXX XXXX XXXX XXXX when into Bank of America , location listed in this compliant to and opened a Advantage Safe balance checking account and experienced intentional racial discrimination form Bank of American employees . After XXXX, XXXX, Financial Soultion Adviser opened Bank of America Advantage Safe balance checking account, he was immediately instructed to close, Advantage Safe balance checking account name XXXX XXXX XXXX account # XXXX XXXX XXXX, by branch manager XXXX XXXX. When asked what the reason was, for open and closing Trust account, Branch ManageXXXX XXXX XXXX, stated I need to come back to the branch and open, a new account the next day. I asked why and his statement was because. On XX/XX/XXXX. Trustee XXXX XXXX XXXX for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX returned to BANK OF AMERICAN . Location at XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX. At XXXX to meet with Notary and have trust XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and Trust certification document notarized for XX/XX/XXXX. All documents were inspected by Bank of America N.A employee at same branch located at XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX. Next meeting with XXXX XXXX, XXXX, Financial Soultion Adviser at XXXX to reopen that same Accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX which both accounts were opened for Private Irrevocable TRUST are non-Business Trust activity. XXXX XXXX XXXX ( non-Business Trust ) Account ( # XXXX XXXX XXXX ) open date XX/XX/XXXX and XXXX XXXX XXXX ( ( non-Business XXXX ) Account ( # XXXX XXXX XXXX ) open date XX/XX/XXXX. After XXXX XXXX XXXX, XXXX funded {$500.00} deposited to both Accounts at local branch Location at XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX. Financial Center Manger XXXX XXXX and XXXX XXXX, XXXX, Financial Soultion Adviser threating to closed both accounts once again repeating exactly the same behavior as on XX/XX/XXXX. Which is in violation of Section 1981, Expedited Funds Availability Act, and the Parties Deposit Agreement but consistent with Bank of America pattern or practice of discrimination, BANK OF AMERICA threating to close both accounts that were just opened, and When XXXX XXXX XXXX, XXXX inquired about the account closure, Bank of America explained that such closure were necessary because XXXX XXXX XXXX and XXXX XXXX XXXX is stemmed from illegal activity, and that My EIN was a non-profit. In addiction XXXX XXXX XXXX, has maintain a non-Profit Account with BANK OF AMERICA for all most one year. XXXX XXXX XXXX, XXXX Filed a Discrimination Compliant with Bank of America at Bank at XXXX XX/XX/XXXX Discrimination complaint # XXXX.
Product: Debt collection

XX/XX/18 : received voice mail from ( XXXX ) stating he was a process server. That after numerous attempts to serve me a summons and complaint said would make one more attempt to serve me but if unable to, would return summons as a final service and I would be charged with a failure to appear to my court date. No attempt to serve me had ever taken place. 
I returned call from XXXX who advised me that the summons was in regard to a previous account I had with Wells Fargo on which I had defaulted. The account was out of statute for collection purposes. 
He advised me to get a cashier check made payable to XXXX in the amount of {$11000.00}, provided the address and case number to reference on the check. Send express mail to XXXX and call him back immediately with the overnight tracking number. I stated I would not pay that amount, at which time the ( process server ) stated I could be subject to wage garnishment or seizure of my bank accounts. I stated I did not owe that amount and would not pay it. He asked what amount I could pay. After offering a {$5000.00} payment he was able to get this authorized which led me to believe he was not a process server at all but a collector using unfair and deceptive tactics, including threats. I did send the check and contacted them with the tracking number. I am contemplating a stop payment at this time but am also wondering if this collection tactic was in violation of the FCCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, and I'm not aware of this, Under USC 1666b. See the documents attached. 

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

XXXX   XX/XX/XXXX - did not authorize   XXXX   XXXX    XX/XX/XXXX - Did not authorize   XXXX   XXXX    XX/XX/XXXX - did not authorize  XXXX   XX/XX/XXXX - did not authorize   XXXX    XX/XX/XXXX  - Did not authorize   XXXX   XXXX    XX/XX/XXXX -did not authorize   XXXX   XXXX    XX/XX/XXXX  - did not authorize  XXXX   XX/XX/XXXX  - did not authorize A dealership (   XXXX   XXXX   ) pulled my credit report without my permission. I was told they were going to try to include my income on an auto loan but because I do not have license in the state of Pennsylvania I did not want to be listed on the vehicle title. they took my information and pulled my credit report anyway. And they refused to have them, deleted. Did not return my phone calls.
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I also am aware of the glitch with   XXXX   in the  XXXX  of  XXXX  and early  XXXX  in which inquiries were deleted and then when they realized the glitch they re-added them to the reports. But without informing me within 5 days of adding them back. This is a violation of my rights as well. So if I was affected by that as well I would like it to be resolved as well.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports, and I noticed these inaccurate and inconsistent accounts. 
According to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, 15 U.S.C. 1681b ( a ) ( 2 ) stipulates that a consumer reporting agency may not furnish a consumer report without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am an XXXX Veteran and I am in the process of purchasing a home for my family and this is hugely affecting me, in a negative way.
Product: Credit card

I opened a target circle card through TD bank and enrolled in XXXX XXXX on XX/XX/XXXX. I received an email thanking me for enrolling in auto pay, which led me to believe that my enrollment was successful. To my surprise, on XX/XX/XXXX, I received an email saying that my payment was returned ( {$420.00} ). I promptly logged in to pay my balance and then received another email on XX/XX/XXXX saying that payment was also returned ( {$490.00} ). I logged in again and attempted to submit an online payment for my current balance ( {$510.00} ). I used a different bank account this time. In doing this, I spoke to XXXX different supervisors. The first supervisor told me that the payment was declined because XXXX XXXX could not connect to my bank ( no idea why ). He did NOT mention anything about my account being closed, and I have not been notified of any such closure. I then called back for help paying online and a second supervisor told me my account was closed on XX/XX/XXXX due to the returned payment. I then called a third time and spoke to yet a third supervisor who said my account was closed XX/XX/XXXX. I have no idea what is going on and whether my account has been closed, and whether they have notified credit bureaus, but this is absurd and not my fault. I pay all my bills on time, I set up auto pay, and I have no idea why XXXX XXXX was unable to connect to my bank account to receive payment. If there was an inability for their servers to reach my bank account, I should have been notified of that when I linked the XXXX accounts -- not after the fact and not once they started the process of damaging my credit by closing my account. At this point, I have no idea what is going on as each supervisor says something else and I have not received any written communications. I also did a quick XXXX search and it seems that XXXX XXXX XXXX has done this to numerous other customers.
Product: Credit card

Complaint Regarding Failure to Execute AutoPay by Wells Fargo Leading to Accrued Interest Description : I am filing a complaint against Wells Fargo for failing to execute automatic payments ( AutoPay ) as set up for my account. Despite having successfully enrolled in AutoPay two months ago, the bank did not process payments for two consecutive billing cycles. This resulted in missed payments on my account, leading to the accrual of substantial interest and penalties. 

I relied on the AutoPay system to ensure timely payments, and the banks failure to fulfill its obligation has caused financial harm. This issue has not only affected my financial standing but has also resulted in unnecessary stress and frustration. 

I contacted Wells Fargo to resolve this issue, but their response was inadequate. They neither refunded the excessive interest charged nor provided a clear explanation for the failure of their system.

I request the CFPB to investigate this matter and hold Wells Fargo accountable for : 1. Refunding the excess interest and penalties charged due to their failure.

2. Ensuring their AutoPay system operates reliably for all customers to prevent similar incidents. 
XXXX. Compensating for any damages incurred due to their negligence. 

Thank you for
Product: Mortgage

My taxes have been reassessed for the new year as the house is a new construction. My taxes dropped by {$5300.00} a year. The old tax amount was {$13000.00} and the new tax amount is {$8600.00} and EPM Mortgage company has submitted that my new taxes are {$19000.00} a year. I have requested for EPM to view the tax documents received from the town and to update our tax amount. This has been ongoing since XXXX. Everytime I call EPM no one knows what they are talking about. They have raised my monthly mortgage payment well over {$5.00}, ooo when it should in fact be a lot lower than what I was originally paying since my taxes went down about {$5300.00} a year. I've requested multiple escrow analysis and updates to our tax amounts. Nothing has been done to correct this issue.
Product: Debt collection

I just reviewed a copy of my credit report and this account does not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX Other First Names : XXXX Date of Birth : XX/XX/XXXX XXXX SSN : XXXX - XXXX - XXXX To whom it XXXX concern I am writing to dispute the following information that appears on my XXXX, XXXX XXXX and TransUnion report from XX/XX/XXXX : Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Please reinvestigate these matters and delete as soon as possible. 

Thank you for your assistance. 
I personally signed and sent this letter. 

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

XXXX of XXXX, I purchased a used vehicle and Ally Financial was the chosen financial company. Every since I have started making my payments, I have gone online and schedule my payments, the funds leave my account 3 days later and it is posted on my account page with this company as being completed. Since I am refusing to talk to them to schedule my payments, they have been sending false information to the 3 credit bureaus ' stating that my payments are 30, 60 and 90 days late. When I reported them to XXXX, I was sent a letter telling me that even though it shows on my account on their website as my payments being completed, they are trying to tell me that they didn't receive my payments until 3 months later. That is false. I have tried to trade this vehicle in so that I can get out from under them, they block me by reporting false information about my payments. When I tried to refinance my vehicle through another company, they block me by reporting that I have missed payments, that I am behind in my payments, knowing that these companies will turn my request down. I have tried to straighten this out with the company through XXXX  but again, they are refusing to correct their false information and they continue to harass me by calling my phone twice a day, leaving messages wanting me to call them about my past due payments. They some how got my XXXX  phone number and started calling and leaving messages on his phone. He is XXXX XXXX XXXX. If I was behind like they claim, why do I still have my vehicle? The proof of their lies is on my account under " Transaction History '' but they all need to be fired at this company since none of them can see the truth that is on my account page. I want their lies, harassment and false information to be corrected so that I can get out from under them. This company doesn't need to be in business at all. I have also found other people that was under them stating that they were done the same way. I will continue scheduling my payments online until they block me from that way again. I want out from under this company and if I have to hire an attorney to sue them, I will.
Product: Debt collection

I made an agreement that I would pay {$75.00} on  XXXX , then {$120.00} on XX/XX/XXXX  and {$120.00} every month until the amount of  XXXX and change was paid. They way I found out about that they were trying to reach me was with a recording that the they left my sister cellphone. Giving my name and last four of my social. stating that i needed to be present at my house if not present or if I did not call that date he would appear at my place of employment at the hr office where one of my managers needed to be present. I called them and made a payment plan how ever the payment was to be deducted from my account, but forgotten about it, because I did n't get a courtesy call or even a letter. I got a call of the none suficiente fund and that they would take any property away. I called back but was on successful. I called again today because they had left me another voicemail. I wanted to talk to them because they had mention that the first payment did n't go through and I had proof. The second because I had forgotten and did no have the funds in my account it was unsuccessful. But what had bothered me about this last conversation was that I was driving and I told them that I would call them back in 20 minutes so I can make the payment. He said no that I only have 3 minutes because they close at   XXXX   and that if they did n't get a payment that there lawyers now can sue for more money. I said let me see if my mother can give me her card information because I ca n't stop on a bridge. I did a 3 way call he now said after my mom gave him the card number that he would also charge 34 for the return payment making it {$200.00}. I said to him no my mother does n't have that and also   XXXX   plus  XXXX  it 's  XXXX . He proceeded to take the  XXXX  with the understanding that I would call him back again tomorrow with my card to put on file as well to be charged  XXXX  but he said it need to be done early that if not that they would call my mother and she can make the arrangements with them since my hours of work are not convenient and I work in a bassement and have no reception. I asked him to give me his hours of operation and he proceeded to say why does n't my mother handle my account. First of all my mother was doing me a favor because I was driving and could n't get to my purse as second My mother does n't need to pay my bills. He said she 's more understanding and I said she 's a  XXXX  patient dealing with her treatment that she does not need them calling her. I had it with them. If they want to show up to my job which is new they could, and if the want to take the car that 's not completely mines they can try but I do n't need them harrasing any of my family members with these treats
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.