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

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX   XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, Company Inquiries : 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
Product: Checking or savings account

On XX/XX/year>, all my accounts at Bank of America was closed without my knowledge. I called and they said it was a business decision. They closed my checking, savings, all the credit cards with bank of america without any explanation or notice. I can not withdraw any money from my account. The bank of America said that it will take 10 to 20 days before they will send me cashier check which is odd. I have been banking with them for 25 years. They also unlock my debit card without my authorization. 
Please help as I have no money to put gas in my car. Thank you.
Product: Checking or savings account

I have an account with Wells Fargo Auto. Wells Fargo Auto merged with Wells Fargo and have made all consumers to login or re-enroll with Wells Fargo. 

WellsFargo.com will not take my information as an existing or new user. After several hours on the phone and being transferred to 4 separate representatives, I was advised that the system did not and would not recognize me because there are two profiles. I had a personal banking account over 10 years ago under my maiden name. Because of that WellsFargo is not a allowing me to log in using my current login info and they are not able to merge my account unless I personally go into a branch by appointment or mail them documents ( proof of marriage, name change, etc ).

I do not want a personal bank account ( just auto loan ) with WellsFargo and nor do I want to provide the bank with documents they should not need. I was fine logging into my auto loan account and making payments until this merge. I should not be forced to go into a branch by appointment during the pandemic to provide them with documents of my name change or mail them the documents.
Product: Mortgage

This is a follow-up to my previous complaint which you closed prematurely. Complaint No. XXXX. You said I had 60 days to respond, and you did not give me 60 days, therefore I have opened this new complaint to get help from you in addressing my mortgage servicers continued abuse, harassment and discrimination. 

What has happened is that SPS is trying to get too much money from me for an escrow impound account in violation of the modification contract that was provided under the XXXX mortgage relief law. Because SPS is now stuck with a low interest rate on the mortgage PER THE CONTRACT, they are using a demand for an escrow impound account as an excuse to force me to pay {$400.00} more per month than I am supposed to pay per the contract claiming - falsely - that it is for 3 months of insurance and taxes. WHICH IS NOT PART OF THE CONTRACT. They violated and are continuing to violate the contract. 

The contract does not require me to keep an escrow account with them at all. Therefore, I have paid my property taxes already, I am now paying my home owners ' insurance directly- not through SPS. There is absolutely no reason for SPS to require me to deposit money in an escrow account with them. 

I have continued to pay the mortgage ( principal and interest only ) per the contract BUT NOT the amount ( XXXX months of property tax and insurance ) they are calling an escrow impound account because they are not entitled to that. They are a servicing company - not a bank. They are not required to follow any banking rules because they are not a bank. Unless you do something about this, they will use this false claim of a need for an escrow impound account to attempt to foreclose on my home- which I haev owned since 1994. 

Attached are the documents to support this complaint and complaint XXXX.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transaction were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB which identified similar practices Navy Federal Credit Union where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal XXXX portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX XXXX XXXX XXXX submitted a collection account for XXXX to my personal credit report. The account was for a Corporation for which I was not liable. Documentation was submitted which removed the collection from my credit report. 

One year later, creditor XXXX XXXX was allowed to submit the same XXXX collection to my personal account, despite the fact that my Experian already knew I was not responsible for the account. 

Experian not only did not reference the previous dispute 's documentation, but did not allow for the documentation to be easily uploaded to the case. Nor was I notified as to why the documentation which proved that I was not liable in the initial collection was no longer viable for the second creditor. I have not been given any information as to why Experian hold me liable for a corporate account despite having evidence to the contrary. I have ample documentation to prove my case but Experian would not allow me to submit it. 

How many times can a creditor add the same collection to my credit report after being successfully disputed. This is harassment.
Product: Debt collection

I had two collections account removed from my XXXX report, being deemed invalid. The two collections agencies have both back on my XXXX credit report after me disputing them. They are incorrectly reporting these debts and they are not mine. I have screenshots of the collections accounts being removed and I want them off my XXXX report immediately before I file legal action.
Product: Debt collection

I never received a validation letter via mail or electronically from this company.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Bank account or service

Chase Bank ( personal account ) allowed the TX Attorney General to freeze my bank account where the only income is my VA XXXX check ( can not be apportioned asper 31 CFR part 212 final ruling XX/XX/2013. I have no other means to support myself or my family. Chase is fully aware the money is coming from the VA, yet they still choose not to follow the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed 7yr outdated accounts and they are still being reported
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like my personal information protected 15 USC Code. 2a Consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identifies as information that resulted from an alleged, identityTheft, Not Later than 4 business days after the date receipt. It has been 30 days and they are violation of the law because I am a victim of identityTheft!! PLEASE Delete These item
Product: Credit card

I was charged the annual membership fee of {$550.00} on my Chase Sapphire Reserve card on XX/XX/year>. I closed the account on XX/XX/year>. 

I made an inquiry call about the information and conditions of closing the account on XX/XX/year>. During this call, I was informed by the Chase customer service specialist that although there is an automatic refund if I close the account within 30 or 41 days of the membership fee being charged, they will manually refund me the fee as long as I close the account by XX/XX/year>. Since I still had an unpaid balance and unrealized rewards on the account, I thought I could wait. 

On XX/XX/year>, I made the call to close the account and was re-assured by another specialist that I would AUTOMATICALLY get my refund within the next two billing cycles. However, I have not yet received the promised refund of the annual membership fee. 

On XX/XX/XXXX, I followed up after waiting two months for the refund. Chase informed me on the call that the manual refund was not guaranteed, and despite the supervisor submitting the request manually, it was declined. They acknowledged the misinformation given in the two calls before I closed the account but said there was nothing more they could do.

Had I known the refund was not guaranteed, I would not have closed the account. Why would I cancel a card I used for only a month after paying the full year 's membership?

Per Chase, all calls had been recorded, and they acknowledged the misguided information provided, but would not take the responsibility of refunding me back.
Product: Debt collection

On XXXX XX/XX/XXXX Mariner Finance was sent a Cease and Desist letter pursuant to the Fair Debt Collections Practices Act ( FDCPA ) and other state and federal debt collection laws, In that formal legal notice we requested that they cease and desist all telephone communication with us, as well as our family and friends, in relation to any and all alleged debts that they claimed we owed. 

On XX/XX/XXXX, at XXXX a phone call was received from XXXX and did not leave a message. That phone number is registered to Mariner Finance at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. As such, a Letter of Intent was sent to the organization due to their violation of the Fair Debt Collection Practices Act. 

The organization knew or should have known that the actions taken were inappropriate, failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that we were not harmed. 

Within that Letter of Intent, we requested that the alleged accounts that they were trying to collect on now be cancelled and any alleged debts be absolved by Mariner Finance, without penalty or tax burden. Additionally, we also demand the immediate and complete removal of these trade lines from our credit reports ( XXXX, XXXX, and XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I am personally filing this complaint regarding my credit record. Upon examination, I found late payment entries. I sent correspondence about this issue more than a month ago, but have received no reply, nor has adequate validation been provided. I now seek your help in addressing this matter.
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 XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX Asst XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Not mine inaccurate information XXXX XXXX XXXXr XXXX Not mine inaccurate information XXXX Santander XXXX Not mine inaccurate information XXXX XXXX XXXX XXXXXXXX XXXX Not mine inaccurate information XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached 15 U.S.C 1681 section 6028 that states I have the right to privacy. 15 U.S.C 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without any written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency, might make any consumer reporting containing any of the following items of information of any other adverse item of information, who it that records or convention of crimes, which attendates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information relating to a consumer to any consumer agency. If the person knows or has reasonable cost to play, that information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of accounts and inquiries listed below from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these accounts and inquiries are fraudulent. 
The following accounts must be blocked and deleted immediately : XXXX  - XXXX - XX/XX/XXXX - {$6600.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$3100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$3000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2500.00} XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} Additionally, the following inquiries must be removed : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Trans Union credit report lists a hard inquiry made on XXXX XXXX, 2017 by XXXX XXXX. I did not authorize this hard inquiry and suspect fraud. The contact information is : XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone XXXX. National credit cards/ airlines.
Product: Debt collection

Unknown debt. Text message. Unknown item and amount. Requested all charges, submission of written original documentation. In addition I have asked to receive such information via mail to the address they have on file. I also put them on notice if the information was not provided i would consider and report this as fraud. No response to any communication - I just receive more identical text messages with a link to pay online. 

First National Credit Bureau
Product: Credit card

I went to XXXX XXXX Department XXXX and purchased XXXX was asked if I wanted to apply for credit through XXXXXXXX XXXX and id receive some $ off on my purchases... I paid and left. I get a bill for {$89.00} from Synchrony bank... I paid that much for the clothes and was surprised... Wasn't aware I had a Synchrony debt now. I appealed but never heard anything... They've called me XXXX  of times over the last XXXX XXXX ... Now they say interest has increased the debt to $ XXXX dollars ... They say they are willing to settle debt for {$330.00} I ask to speak with their supervisor... 
XXXX is not available... 
I want to report them for predatory practices...
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, I am formally disputing inaccurate information on my credit report in accordance with 15 U.S.C. XXXXi. I did not authorize the reporting or release of my personal information to the companys listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 

Furthermore there are unauthorized inquiries on my credit report that I did not initiate. Which constitutes a case of identity theft. Pursuant to XXXX XXXX. XXXX. I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entries.
Product: Debt collection

On XX/XX/2021 I received a first communication from Vengroff Williams regarding a supposed overpayment on short term XXXX related to my prior employer ( via insurance company The XXXX ). Around that time I spoke with a VW representative explaining that the issue regarding employment end date and the " overpayment '' existed somewhere between XXXX and The XXXX. Per VW 's recommendation, I attempted to work with XXXX to address the issue with them - they were ultimately unresponsive. 

On or about XX/XX/XXXX, I contacted VW at XXXX to let them know that the error between XXXX and The XXXX could not be resolved due to unresponsiveness, but that I had written proof of the claim end date and my employment end date lining up and disputed the debt. Per VW 's instructions, I provided said evidence and my written dispute of the claim to XXXX with the claim number in the subject line on XX/XX/2021 at XXXX. 

There has been no response from VW providing any contrary evidence since that dispute and they are now well beyond their window of time to continue to harass me over this claim. Still, today I received a letter dated XX/XX/2021 stating that " Despite repeated requests for payment, the balance remains delinquent and unpaid ''.
Product: Debt collection

I had a account with XXXX that went into default in XX/XX/XXXX. I had decided to return the vacuum cleaner to the company and placed it on my front porch for pickup. The XXXX rep stated they never received the vacuum. The account was charged off and sold to the collection agency Merchant acceptance. My contact with Merchant acceptance was minimum since I did indeed leave the vacuum on my porch for pickup. Today XX/XX/XXXX my mortgage lender informed me that there is a civil case against me from Merchant acceptance, however, I was never served nor informed of any court proceedings and or the intent to sue. I verified the case online at the XXXX county court online. I called Merchant acceptance today XX/XX/XXXX and they said I was indeed served in XX/XX/XXXX. I informed them that I was never served and had absolutely no knowledge of the legal proceedings. The Merchant acceptance representative said the party that supposedly served me gave them a description of me. The Merchant acceptance representative said I was XXXX, I was XXXX ft XXXX, XXXX pounds, with XXXX hair, XXXX eyes, and am XXXX. However, on XX/XX/XXXX I had XXXX hair with a small amount of XXXX at the back of my head, I was XXXX pounds, and I am XXXX ft XXXX. He asked if maybe 1 one of my daughters answered the door and accepted the court papers but my children were XXXX and XXXX XXXX XXXX. I asked the merchant acceptance representative if he could do anything about this since its illegal and he said there is nothing that can be done because they paid someone to serve me and the person signed the court document under penalty of perjury but that does not change the fact that I was never served nor did I have any knowledge of the court proceedings. I would like this account to be removed from my credit report and the civil case dismissed since the notice of service was a forgery.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraudulent inquires on my credit report please remove them.XXXX XXXX XXXX XXXX XXXX, XXXX - Auto Finance, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX