23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I ( XXXX XXXX ) have sent numerous letters to Wells Fargo Bank, to have them remove derogatory remarks placed on my credit reports. They have shown no proof of verification of debt. My letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) have been ignored or told ( via letter ) by their credit management, they are working on a response. They are in violation of both the FCRA ( including but not limited to ) 623-b, and the FDCPA ( including but not limited to ) 807-8. My last dispute notice dated XX/XX/XXXX was not responded too, ( via letter stating " that they were working on a response '' ). I again, sent them notice of my complaint being reported to the CFPB. This is my last attempt, to have Wells Fargo Bank, remove it 's derogatory remarks immediately. My next course of action will include a civil complaint file in court. Thank you.
Product: Credit card

I have never really checked my credit because I was a XXXX XXXX XXXX  mom for 26 years. Recently divorced I have now been trying to boost my credit and I saw one of them I never applied for a Walgreens credit card.

This needs to be off of my credit report. How can this be on here if I did not even apply.

Please take this off. Thank you
Product: Credit card or prepaid card

Hello there! My name is XXXX XXXX and Ive been a Wells Fargo customer since the company acquired my first bank, Wachovia. I was hoping you could help me with an issue regarding a recent balance transfer I initiated towards my Wells Fargo credit card. 

This particular balance transfer was placed on XX/XX/XXXX from my XXXX account ( account # XXXX XXXX XXXX XXXX ) for {$4000.00} towards my Wells Fargo credit card balance ( account # XXXX XXXX XXXX XXXX ). This balance transfer has yet to be applied to my Wells Fargo account balance according to my XXXX and XXXX statements, however the funds are represented on my XXXX statement since early XXXX. 

I contacted XXXX three weeks ago and they ensured me an investigation which they've yet to update me on. Wells Fargo seems to be dragging their feet as well. I have sent personal letters to each bank asking to investigate the issue. 

My social security number is # XXXX. I can be reached by phone at XXXX or by email at XXXX.
Product: Credit card

I have a complaint about Synchrony Bank. Over the last 3 months, I have been requesting validation of a debt that is listed on my credit report for a Chevron Credit Card. I have been asking for evidence that bears my signature that shows I have a contractual obligation to pay Synchrony Bank. I have not received anything that I have requested and it is still being reported to all XXXX Credit Bureaus.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check to my account at the XXXX XXXX of Regions Bank. The check was for {$250000.00} drawn on XXXX XXXX XXXX XXXX for a divorce settlement. I received at the branch a signed Notice of Availability that {$5300.00} would be available on XX/XX/XXXX, and the remainder available XX/XX/XXXX. I also received email copies of this signed document. 

The morning of the XXXX I received another email stating none would be available until XX/XX/XXXX. I contacted their customer service online chat and was told my signed notice was a legal document and I needed to return to my branch. I have Parkinsons so this isnt easy, but I got a ride back to the bank the morning of the XXXX. 

I saw the same teller, who said the back office changed it but she didnt know why. She spoke to the XXXX and took my phone and said Id receive a call by close of business. I received no call. 

I have phoned Regions asking for someone to talk to, and have been told there is no one, I must return to my branch. I phoned the branch again this morning XX/XX/XXXX and was told there was no XXXX there Friday, and that I shouldnt have been told I would get a call. There is no one available to speak to about this but again she took my number. 

I want to know why I was given a signed document that {$5300.00} would be available 24 hrs after deposit and its still not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian currently reports an inaccurate inquiry on my credit report. 

1 ) XXXX XXXX XXXX, inquiry date XX/XX/2020, no permissible cause as required by federal law, no loan or credit was awarded. A violation for reporting inaccurately per fcra rules section 1681
Product: Debt collection

I am unaware of this debt and did not receive proper notification of this debt which violates 12 CFR 1006.34 ( B ) ( 5 ) but yet this has been placed on my consumer file. Debt collectors must notify you within XXXX days of receiving your account. THIS HAS NOT BEEN DONE. I also have not been given a chance to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) if you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature.
Product: Money transfer, virtual currency, or money service

Paypal close my account for no reason and will not help me with getting it back up and going I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for couple of weeks but i just remembered i could file a report on here as I feel they are not doing their job properly and its affecting me a great deal as I used Paypal guide frequently. My email linked to my Paypal is XXXX I hope you can help me with this matter. Rest assured that all my transaction made from my Paypal account is true, safe and legal. Thank you and XXXX bless
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has compiled inaccurate information about me and without my consent. They have inaccurate DOB, inaccurate addresses listed for me ( many of which have never been associated with me )
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXX XX/XX/year> {$8800.00} Personal Information : NAME : XXXX XXXX XXXX XXXX KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

About XXXX years ago I was a victim of bank fraud, because of this my bank account was forcibly closed by XXXX XXXX because my account was in the negatives and all my money was gone. XXXX XXXX claims they did not detect any suspicious activity or fraud. During this time I was also unemployed and the money I did have I was using to try and pay off my debts because my credit score was in the XXXX and I desperately wanted to keep it. I did eventually get a part time job but I was not making enough money to pay all the debts I owed. I did try to reach out with the original company I owed the debt to but they were only able to place my payments on a temporary hold. Eventually I stopped paying them and the debt got charged off to a collection agency. I want to clear my debt to help my credit score get back to what it was, however I learned that paying off debt to collections does not improve your credit score and that it would still be on my credit report. I know none of this is an excuse and I am not looking for sympathy, and yes I should have reached out sooner but I honestly did not think I had any options. I am XXXX XXXX XXXX and I want to go to school. I am reaching out for help to see if there was any way to dispute the charges off of my account. I would really appreciate any help. Thank you
Product: Mortgage

I have called Nationstar Mortgage multiple times to the so called 'reserve ' requirement removed from my monthly mortgage payment. They try to tell me that it 's a 'federal ' law ; sorry, it is not a federal law - it 's their company adding almost {$500.00} on my payments per year. Which I would be getting back at the end of the year because there will be an overage in my escrow account.
Product: Bank account or service

Over the past two days, I have received no less than XXXX letters from Discover Bank Customer Service saying " We were unable to verify the identity of all Account holders ; therefore, we were unable to open your new Discover Account. '' I have never tried to open an account with Discover. All the letters say the same thing and are dated XXXX XXXX, 2016. I have called Discover at the number listed on the letter, XXXX and they said to get in touch with the Credit Bureau. They could n't give me any more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : ITEMS XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX. XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX ACCURATE OR THE INFORMATION MUST BE UPDATED. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXXAccount Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

On XX/XX/2021, I contacted Citizens Bank and relayed my concerns that there were technical issues with my account, in terms of account access, on going ACH depositing issue and password issues. I was assured that the representative with whom I spoke with would resolve this instead, it was temporarily resolved for the month of XXXX but the issue reoccured on XX/XX/2021. 

I reached out to the company on XX/XX/2021 and I was told that they could not refund the fee of {$37.00} which they charged my account as an overdraft fee for non-payment. I had to re-set up another direct ACH recurring transaction between XXXX and XXXX who services my student loan. Ever since I opened this account, I have been having issues. I can not use a bank who refuse to address its poor customer service, delayed response system at the expense of making money. I am unable to process the last time I had a returned fee check and it is with this bank. I do not have these issues with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates , LLC ( PRA ) is not licensed to debt collect in Pennsylvania. I have sent them sever XXXX 's however the are still furnishing innaccurate informtion on my report. No such records with my signature have been provided. These accounts were opened fraudelenly and your reporting of this information is fraudulent as well. I was never contacted. Pleae provide proof other than words of how nd when I was contacted, I have disputed this several times. There is no contract between me and PRA I am going to file an ftc report and contact my lawyers immeditely.
Product: Mortgage

Loan Servicer Paid property taxes. However, Title Company will not release funds. Escrow and Title Company should be sanctioned and interest included for improperly withholding funds unnecessarily.
Product: Debt collection

Midland Collection placed illegally a lien on my home. I do not owe them any money. They ignored the statute of limitations to collect a debt. ( Arizona 3 years ) After hat the debt is considered uncollectable. They may have gotten a hold of an old account that was discharged in XXXX. That company does not disclose any information about this debt. They never informed me and my husband of a lien being placed on our home.
Product: Debt collection

On going collection since XXXX. Received collection calls & letters regarding a XXXX XXXX XXXX ( I was an authorized user and my son XXXX XXXX was the account holder ). I responded with a Cease & Desist letter as well as a Verification/Validation letter requesting proof ; such as application with my signature to the law firm handling the account, Suttell & Hammer. They provided a copy of the application and a recent statement of the account. The application only has one applicant and one signature XXXX XXXX. I responded with a letter advising the application does not show my name or signature and that again I was an authorize user and according to the credit law I am not liability for repayment. In addition, the account holder filed Bankruptcy and was discharged XX/XX/XXXX. I provided proof of the Bankruptcy. Suttell & Hammer filed a lawsuit against me for the XXXX XXXX account on XX/XX/XXXX. I received a copy of the lawsuit where the Proof of Service claims I was served XX/XX/XXXX at my son 's home, which I use as a mailing address. I am not a XXXX female as stated on the proof of service and I was in the state of Idaho in XX/XX/XXXX. I am retired and I travel from California, Idaho, and Hawaii. I have been dealing with this issue far too long. I have sent countless proof that I am not liable for this debt, proof the law firm sent me as per the Verification/Validation letter yet they still continue to violate the FDCPA, FCRA, and FTC laws. I sent a Certified Letter in XX/XX/XXXX summarizing this issue as well as requesting to file a Motion to Dismiss with Prejudice since I am not the responsible party and to provide proof of the matter.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Incorrect Name - XXXX, XXXX, XXXX Incorrect Name - XXXX A XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, FL, XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Click to expand XX/XX/XXXX CONTINUOUS OD FEE XXXX XXXX Click to expand XX/XX/XXXX CONTINUOUS OD FEE XXXX XXXX Click to expand XX/XX/XXXX OVERDRAFT FEE XXXX XXXX Bremer Bank is predatory charging continuous weekly overdraft fees. With the issue of COVID-19 they will not even consider waiving the fees.
Product: Vehicle loan or lease

I submitted a due date change and spoke with several Reps to confirm this change was completed, but was still charged on the original due date. I requested a due date change online months ago. I called in XXXX when it hadn't been changed. They advised I didn't return the signed documentation. They advised they would resend the documentation and that I could upload it via the Support Center on their website. It was resent to me via email. We signed the paperwork and submitted as advised by an Agent. I received an email the next day stating the documentation was received and would be processed in 2-3 business days. I called on XX/XX/XXXX to make sure everything was good for XXXX 's upcoming payment. I was told they received everything and the change was approved. I asked why the website still showed the XXXX as the due date and was advised it just wasn't updated yet. On XX/XX/XXXX, I was still charged the payment amount. I called in today to inquire why and was advised that it had not been approved and no documentation was received. I was advised that submitting the documentation through the Support Center was incorrect even though this was advised by and Agent and confirmed by another. This agent refused to help or escalate the call after multiple requests. He stated I told you that wouldnt help and then routed me back to the main line.
Product: Credit card

Fortiva has reported and damaged my credit intentionally. I called this credit card company on XXXX XXXX, 2016 to make payment in which their automated system advised my credit card was current and I owed XXXX dollars. On XXXX XXXX, this credit card company called my cell via the dialer system and I spoke with a customer service rep who told me I was 30 days past due and I pay her one payment in the amount of {$74.00} in which I did. Five minutes later I was contacted again via automated dialer on my cell phone and was told I was 60 days past due and should pay 2 payments. Then, I became confused because the reps could not explain my due date or my payment history. I then called back, got another rep on the phone and the third time was told something different. I asked if this would destroy my credit. All the reps kept saying was not to worry, everything was going to be okay and not report if I paid. I paid as instructed and now I am being reported 60 days on my credit. Fortiva has destroyed my credit with their poor customer service and misleading practices.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : 1 ) XXXX  XXXX XXXX : XXXX 2 ) XXXX  XXXX XXXX : XXXX 3 ) XXXX  XXXX XXXX : XXXX 4 ) XXXX XXXX  XXXX  : XXXX 5 ) XXXX  XXXX : XXXX 6 ) XXXX  XXXX  : XXXX 7 ) EXTRA : XXXX 8 ) XXXX XXXX : XXXX 9 ) XXXX XXXX XXXX : XXXX 10 ) XXXX XXXX XXXX  XXXX : XXXX 11 ) XXXX XXXX XXXX : XXXX 12 ) XXXX XXXX XXXX : XXXX
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I had a nanny and chose to take out taxes from her check. As the result of an error. Duplicate tax/employer numbers were created. When the problem was recognized, they released the lien in 2006. This is still showing up as a series derogatory item on my tax report and has impacted my credit score which has impacted the type of mortgage I recently go, and have to pay PMI. Since 2006 I have purchased several homes, so obviously, there is no lien. I have reported to Experian and never heard back. I have attached the lien.