23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score went down more then XXXX points. I called XXXX  and spoke to XXXX and she said nothing changed, does n't know why it went down and to call the credit card company because they do n't generate the scores. ( as if I do n't know anything ). So I asked to speak with a supervisor, I spoke to XXXX XXXX and all he was saying is how it all works but could not talk about me specifically as to why my score went down, just that nothing changed and they do n't generate my score, a computer does. After that I asked to speak to his boss or someone that can help me and then he hung the phone up on me. So I tried to call Experian to see why my score went down and they too could not tell me why my score went down. Just to say I have nothing bad on my report and I always pay on time, even before things are due. So why did my credit score go down. No one wants to help me. This also happened to me about a year ago, XXXX XXXX put the wrong information in and I ended up paying allot more interest then I was supposed to.. I called XXXX XXXX and they corrected it but XXXX XXXX would n't look at my score again so I 'm paying XXXX more in the corse of 30 yrs.. I 've done everything I can to have a excellent Score and I feel like I 'm being taken advantage of from these people.
Product: Debt collection

Since XXXX XXXX American Capital Enterprises say 's that i owe them {$1900.00}. 
I dont recall any of these accusations. Since XXXX XXXX XXXX XXXX say 's that i owe them {$580.00}. i dont recall any of these accusations either, this has to be identity theft .Because of these situations i cant open a bank account at all.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, I requested a loan modification to Wells Fargo Bank because my husband had XXXX XXXX and needed XXXX and XXXX, so our income was going to drop. Wells Fargo Bank reviewed my case and stated that because the investor, XXXX, only allows XXXX loan modification every five years, they denied my request. I appealed this decision citing this court case ruling, " Other courts have also ruled that HAMP gives homeowners contractual rights to sue their bank when they fail to establish permanent loan modifications for eligible borrowers. See XXXX v Wells Fargo Bank , N.A . XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ), XXXX v. Wells Fargo Bank, N.A., XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ), XXXX v. Wells Fargo Bank N.A., XXXX XXXX XXXX ( XXXX Cir XX/XX/XXXX ). '' Wells Fargo Bank denied my appeal. This ruling states that that Wells Fargo Bank must approve a loan modification when I qualify for one. Please help. Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a 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 identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 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 items of information, other than records of convictions of crimes which antidotes 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 card

I need the bureau to check why they're saying I'm late on accounts when I've never been late.
Product: Checking or savings account

To whom it may concern, I am writing to seek help for unreasonable actions of U.S. Bank on my accounts.

I had a previous complaint of they closed my credit card accounts without notice and justified reasons, and now I am even more astonished to see how they are running with miscommunication and inefficiency at all between checking and credit card departments. 

As mentioned in complaint XXXX, they closed my credit card accounts due to a few payment reversal in XXXX and they think there are risks on my account. So now I have done what I promised in the last complaint that I linked my US bank checking account to my salary, so that I can make payment directly from US bank checking account, I assume payments within the same bank should be no problem. 

From my US bank checking account XXXX, I initiated a payment of {$490.00}, the remaining balance ) to my credit card XXXX on XX/XX/XXXX, and I saw the payment was made on XX/XX/XXXX, reflecting in my credit card account. 

But on XX/XX/XXXX, the payment was reversal again! And they charged me {$30.00} returned payment fee. 

I was astonished to see that, as this is a payment within the same bank!!!! 

I called US bank credit card department, they told me they saw the reason for the payment reversal is stopped payment but they could not see why. They transferred me to checking account department, and they told me they could not see any payment information in their system!!!! What a miscommunication in the same bank.

They communicated for a while and still could not figure out why the payment was unsuccessful, with sufficient funds in it, and just can not solve it, with 1-hour call. And then the call got silent and cut, noboday called me to follow-up anymore.

Now I realize, the reason US bank used to close my bank reversal payment and risk is entirely NOT because of me. Although I have done what I can do to make payments on time : with long-standing checking account with biggest banks in the nation, or switching to US bank checking account, the same bank, it will not work. The issue should be within the US bank.

As a honest person, I use my credit cards, and make online payments 100 % on time, with all my efforts, I can not do anything else to help with why payment to their bank always reversal. It is out of my control.

With this nightmare experience, I realized I could do anything more to help, the reason is the US bank miscommunication between departments and misbehavior. Payments to all my other credit cards with other banks, there were never a problem, only these with US bank.

So, I think those payment reversal are entirely the US banks responsibility, and this reason leads to they close of all my credit card accounts with them. So, they have to recover all my credit card accounts, and all the cashbacks and rewards I have earned in my accounts, as requested in complaint XXXX. 

Below, I attached last complaint for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN VERY CLEAR AND PATIENT, I HAVE CALLED XXXX AND XXXX AND THEY HAVE ASKED ME SECURITY QUESTIONS AND VALIDATED MY ID BUT I AM NOT ABLE TO LOG ONTO MY ONLINE ACCOUNT I HAVE ALSO BEEN UNABLE TO GET THE FRAUD STATEMENT REMOVED.. SO I WILL SAY IT AGAIN CLEARLY AND I HAVE ATTACHED MY NOTARIZED LICENSE AND BANK STATEMENT, WHAT OTHER PROOF DO YOU NEED? 

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. REMOVE LATE PAYMENTS, THOSE ARE BILLING DISCREPANCIES. HOW DID I GO FROM XXXX AND UP ON MY SCORES TO XXXX? SOMEONE IS PLAYING GAMES. 

3 THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

4. UPDATE AND SUPPRESS NEGATIVE INFORMATION 5. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. CLARITY SENT ME A PAPER WITH NO CODE BUT LISTED I NEEDED A CODE TO UNFREEZE. HOW CRAZY IS THAT, IT WILL BE ATTACHED. 

6. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS AS IT IS MAKING IT VERY DIFFICULT TO GET THINGS CORRECT. REMOVE IT IMMEDIATELY AND UPDATE MY REPORT. 

I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATE. I AM SICK OF THIS. 
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Product: Debt collection

Regarding my previous complaint under the # XXXX I REQUESTED THE SPECIFIC SIGNED BILL OR RECEIPT OF THIS TRANSACTION THAT SHOWS FOR HOW MUCH Resurgent Acquisitions LLC BOUGHT THIS ACCOUNT... THIS COMAPANY FAIL TO PROVIDE ME ANY SIGNED DOCUMENTS THAT HAS BEEN REQUESTED BY MY PERSON ....

If in 10 days of this new complaint Resurgent Acquisitions LLC FAILED TO PROVIDE ME ALL OF THE SIGNED DOCUMENTATION THAT HAS BEEN REQUESTED BY MY PERSON I WILL IMMEDIATELY FILE A LAWSUIT AGAINST Resurgent Acquisitions LLC FOR HIDDEN AND NEGLECTING TO PROVIDE ME SIGNED DOCUMENTATION FOR THIS ACCOUNT THAT HAVE MY PERSONAL AND FEDERAL INFORMATION IN IT...

Resurgent Acquisitions LLC JUST SEND ME A RANDOM PDF DOCUMENT STATING THEY BOUGHT THIS ACCOUNT FROM THE ORIGINAL CREDITOR FOR XXXX XXXX BUT OFCOURSE NO SIGNED BILL OR RECIEPT THAT PROOF THIS IS TRUE AND NEITHER FOR HOW MUCH THEY BOUGHT THIS ACCOUNT ( SEE ATTACHMENT )
Product: Vehicle loan or lease

Credit Acceptance does things not acceptable. High intestinal rates over 22.99 % APR constantly call and garraseconsumer. Hid the true cost of credit which set consumer up to fail, mislead consumer, dealer fraud, led to repossession. Please help Credit Acceptance is wrong
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I called and reported to XXXX TRANSUNION and XXXX that my identity may have been stolen because there were accounts that I did not own that were on my consumer report after alerting all three credit reporting companies about this matter they started a reinvestigation as I had already disputed these accounts as well as need XXXX to update my current address and delete inquires that were not mine as well I filed a report with the XXXX XXXX XXXX as I was told to do by agents of all three credit reporting companies XXXX TRANSUNION and XXXX all threee agents told this was the ONLY way to update my address and delete the fraudulent inquires on my consumer report
Product: Credit card or prepaid card

On or about XX/XX/2020 Sears/Citi Bank charged ( my personal checking ) XXXX XXXX for a fee of {$2.00} Please note that this account is set up on the auto reoccurring payments. I have verified this fact and it has been in place before the account was ledgered for the {$2.00} debit originating from XXXX grocer. The fact remains that the deferred amount was deducted by  SEARS /CITI and a positive remark was recorded on the ledger. However, shortly there after and for reasons unknown this charge would be returned, reflecting a negative remark? This must be a technical glitch which resulted in this creditors failure to insure solvency and continuing to bill my bank!

Today I pulled my credit report and the negative 20 points that resulted from this billing glitch is behind my complaint today. I took steps to contact the Banks representative ( s ) and was informed ( By the auto attendent ) that the bank could not understand my request
Product: Credit card or prepaid card

There was a dispute over two transactions with Wells Fargo on my Business Line of Credit. I was formerly working with what I initially thought was a professional advertising/publishing company, which turned out to be a 'vanity publishing/book fair ' scam. I realized this was the case before the company, XXXX XXXX, was set to provide certain services in the Fall of 2022 -- As soon as I was made aware of their horrible predatory practices ( mostly used upon self-publishing authors of advanced age ) and experienced some of their poor, unprofessional and unethical treatment myself, I submitted my clear cancellation to them in writing about one month before the deadline. 

Wells Fargo kept me waiting for months while they researched the dispute, and my staff put together a thorough letter ( attached below ) clearly laying out documentation and the order in which things happened and submitted it to Wells Fargo dispute team. Weeks after that, I received a dispute decision that they were upholding the fraudulent charges, with no proper explanation or even reference to the documents I had submitted in which XXXX XXXX admits fault in relation to their own 'contract '. I called Wells Fargo following this dispute to let them know I would be contacting the CFPB. 

Thank you for your time and assistance in resolving this matter. I hope my experience can help others avoid this humiliating experience. I encourage other self-publishing authors to consider that a successful and legitimate publishing company will never cold call you at home or solicit you via email ; This is what I have learned through this terrible experience. Literary agents should assist with all publishing, authors need to be wary of all solicitations by phone or email, and deeply research any company that they consider working with.
Product: Credit reporting or other personal consumer reports

Hello CFPB, I'm filing this complaint due to Equifax not investigating XXXX disputes that I sent to this year. Equifax reports that they haven't received any disputes and the they confirmed the address was correct. Please find below the dates the disputes were sent. I will upload the disputes to this complaint. 
Disputes sent to Equifax on : XX/XX/2024 XX/XX/2024 XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent EQUIFAX Letters dated back to XX/XX/2022 present XX/XX/2022 Affidavit a true and statement of facts
Product: Credit reporting or other personal consumer reports

I received notice today from ID Alert that these crooks are continuing to add these UNVERIFIED accounts onto all of my credit reports that they never sent me letters to verify and do not look familiar to me, even though I have filed a report with you, they continue to break the FCRA and FDCPA and disregard your authority and the laws!!!! I want you to go after them legally and shut them down!! I also want you to share all of my complaints with the FTC and XXXX Attorney General so they can be involved and apply fines too!! I also want them fined for Elder Abuse as I am over XXXX XXXX XXXX and they are intentionally harassing me!! 

New Account - New Account XX/XX/year> Alert Type : New Account - New Account Found On : XX/XX/year> A new account has appeared on your credit report. 
Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

XXXX XXXX XXXX Account Balance {$93.00} Payment XXXX NameXXXX XXXX XXXX Business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here 's what to do : Call a Restoration team member at XXXX. As specialists, we'll help you determine if an identity theft event has occurred and guide you through any necessary restoration activities. We may take the following actions on your behalf : Contact the Social Security office Review your credit report for indications of identity theft Place a fraud alert or security freeze with the XXXX credit bureaus Potentially Negative - Major Derogatory XX/XX/year> Alert Type : Potentially Negative - Major Derogatory Found On : XX/XX/year> A new derogatory mark has appeared on your credit report. Please review the details of the alert for information that may indicate identity theft.

Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

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: Money transfer, virtual currency, or money service

Zelle did not initially explain to me that there was no way to retract my money if sent to the wrong person.
Product: Consumer Loan

This payment is set up to auto pay by my credit union electronically, ( from day one ). I had to move the payment date back 2x because Yard Card receives the payment but does not post on time. This month, my credit union paid them XXXX on XX/XX/2017 with guaranteed electronic delivery of XX/XX/2017. As of today Yard Card claims they have not received and has levied a late fee. It seems no matter how early I pay it still gets held until a fee is charged. When I googled them I see that this is a common practice with them.
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. 

Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, and Account name : XXXX XXXX XXXX XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX not mine XXXX/XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX   XXXX {$180.00} not mine XXXX XXXX XXXX   XXXX {$140.00} not mine XXXX XXXX XXXX {$3000.00} not mine XXXX XXXX XXXX XXXX {$820.00} not mine XXXX XXXX XXXX XXXX {$580.00} not mine XXXX XXXX XXXX XXXX {$1000.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

When I attempted to get a credit card I was denied based on information on my credit report that I am unable to verify because it is information that I am unaware of. So I am unable to get information based on the fact that I am unable to verify accounts that I never opened. Someone opened accounts in my name such as a car loan and mortgage and other accounts that I have no idea how they were attained. I am assuming that someone stole my identity and therefore I have no way of verifying information to obtain my credit report since I didn't open the accounts they are referencing. I would like to make the complaint for XXXX XXXX, XXXX  and Experian. These three agencies have locked me out of my own information and I can not fix the problem with the fraud that has taken place in my name due to these agencies not giving me access to my credit reports since I can not verify information that they request since I have no knowledge of any accounts being open in my name. I really appreciate your assistance in resolving this issue.
Product: Checking or savings account

My son 's teen account was hacked. I provided proof as well as police report for the fraudulent transactions. On XX/XX/XXXX, criminals stole a total of {$1600.00} from my sons checking account. On XX/XX/XXXX, Wells Fargo returned {$100.00}. on XX/XX/XXXX, I recieved a letter that stated Wells Fargo " determined these transactions in question may be the result of fraudulent activity ''. Then on XX/XX/XXXX, a letter I received, from Wells Fargo, stated they decided to deny my claim. {$1500.00} stolen money has not been returned to my sons account. Evidence that showed my sons online digital card deactivated, device credentials compromised, and his contact information was changed had been forwarded to the Wells Fargo claims department.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 


Account name XXXX XXXX XXXX Account number XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX C Account number XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX Account status Closed but reopened like new XXXXAddress XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX Account status Closed but reopened like new
Product: Payday loan, title loan, personal loan, or advance loan

Good Morning I have a loan through credit fresh. when i first opened this account i was told it was a line of credit in which {$50.00} would go to the fees and the rest to the loan. This has never happened. I have called 2x to ask for the exact breakdown of what percentage is going to pay back my loan and what is going to the fees/interest. They can not provide this in writing nor over the phone. They debit every payday ( 2x per month ) and most of the debits go to the fees and hardly to the principal. I need to know exactly how this is being calculated and how much it is. I need to know if there is something to do to have more go to principal as most of the payment goes to the fees and it is a huge amount. for example, if my payment is XXXX about XXXX went to fees and that is 2x per month