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

On around XX/XX/XXXX and before I had noticed unauthorized transactions. I did not do I was told wait until its done pending and then report. I did as I was told to wait some more. I finally was able to report it through the bank today and they denied it the same day. Without no documentation or explanation. The rep over the phone did the report for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX.
Product: Student loan

My payment was due   XXXX   XXXX   XXXX      ( Monday )  and the website was down on  XXXX   XXXX  when I tried to make my payment. On the  XXXX  I was able to log in but they had removed the usual portal to make payments by and had no explanation. I sent an email but had to wait until  XXXX   XXXX  to receive an answer. Then the directions they provided were long and not easy to follow at all. I eventually was able to make my payment on that day but my complaint is that this whole episode and anxiety could have been avoided and I could have accumulated late charges.
Product: Debt collection

I am disputing an account that is 11 years old and was charged off by Sears in 2014. 
I have repeatedly asked for the signature page of the agreement and they said they do not have it and they are within their rights not to have to produce it.
Product: Credit card or prepaid card

XX/XX/2019 Dear Sir or Madam : I have attempted to make several payments, 21 of them and not until the 22nd payment it went through. There was an error in my account number so the payments kept getting declined but unaware of because I was in the process of moving addresses. The card company only attempted to contact me twice and one of the calls was to see a payment in which I made. If I have known the account number was incorrect I wouldve resolved it immediately since my credit score was good before the charge backs. These 21 attempts are what put my credit score to a major decrease. I would always make a payment a week before due date or on time for the card. My latest payment paid the card entirely because I didnt want to deal with the card again. When I made the payment via phone call the employee never informed me the account number was wrong nor did the website it stated my bank. I had months in which I ways making payments unknowingly having them declined because of an error not stated with the website nor the employees. I would like these payments to be dismissed or decreased if possible. 

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

Hi I am submitting this XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

My account was suspended without warning or notice for transferring money from my investment account at XXXX to my checking account with Chime bank. They demanded that I provide proof that the money was legitimate using statements from gusto and XXXX despite the fact that all of the initial investment was deposited to XXXX  from Chime and I have direct deposit from my employer connected to Chime. They have the full statements showing where the money came from but elected to suspend my account for 7 days with no notice. There is no phone number to call only an email with almost entirely automated responses. It wasnt until I complained on XXXX that they reached out to me to resolve the issue. They then sent an email on the prior Wednesday saying that my account would be reinstated in two days. Ive heard no response and am still unable to access my account.
Product: Debt collection

Voice mail as follow- XXXX XXXX my name is XXXX XXXX I'm contacting you regarding your case that is in the process of being filed to XXXX County by XXXX to make you aware that I ____ your case number XXXX __ ____ __ the county it becomes a matter of public record and there is an order for your location since I was unable to reach you by phone __ XXXX I have been instructed to contact your employer is because your supervisor because it does look like that is going to be your likely place of location XXXX you have the legal right to contact the _________ office that is processing your case however you would have to speak with them before your case about not sure case of discharge from their office all of your legal rights will be forfeit the number provided for their office is XXXX and also XXXX XXXX that you're going to need to speak with _____ legal department XXXX XXXX you are being legally notified by telephone and _ ____ so otherwise you will be located at your primary residence place of employment or third-party relative
Product: Debt collection

Portfolio Recovery Associates, LLC has called me repeated at all times during the day and night. I am receiving over XXXX calls a day from this agency. Oftentimes, the calls are back to back. Sometimes this agency call me on Sundays as well. In add In XXXX of 2019, this agency called me at a number I did not provide. When I quested this practice, the representative stated " We have ways we find number ; this is your job right, we are going to call you everyday at this number because we can ''. I have asked this agency to stop calling me but was told, that the agency had legal rights to call me " when and how they wanted ''. I have also requested letter be provided to me but to no avail.
Product: Checking or savings account

On Thursday, XX/XX/XXXX, my Navy Federal Credit Union Checking account, at XXXX CST showed an adjustment for - {$260.00}. No check had shown to be pending or posted. All that was shown was the negative adjustment. The next day, Friday, XX/XX/XXXX, my account showed a deposit made by my employer for {$270.00} before the very same adjustment of - {$260.00}. With the negative {$4.00} charge I had in my checking account the balance equaled {$0.00} on Friday, XX/XX/XXXX. I called Navy Federal to ask why they adjusted my account before the funds were even deposited into my account. After being very curt, dishonest, and rude, they said that the adjustment was n't made until overnight processing, early morning Friday, XX/XX/XXXX. This was not the case as I checked my Navy Federal account on Thursday and saw the adjustment made before overnight processing had begun and before funds were shown as posted. I requested today, Monday, XX/XX/XXXX to have an internal audit with time stamps showing each transaction as well as call logs and notations made to be given to me and they said I would have to subpoena them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, DEPT OF EDXXXX has violated my rights. 

11 Accounts with the same account number ; reporting inaccurately! 
XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I was stunned to find inaccurate accounts on my credit report this afternoon, and I have no idea how they got there. I check my report regularly, but this time there were unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but nothing changed. XXXX requesting that the documents I submitted be carefully reviewed to ensure this never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive wrote several certified letters to the creditor and credit bureau and told them this was not me. I asked them to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. Theyve failed to provide me with a copy of any alleged contract bearing my signature. 

The collection is as follows : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian, XXXX, and XXXX XXXX by phone call to address the issue about how they have violated my rights according to the FCRA. 

15 U.S Code 6801-Protection of nonpublic personal information 15 U.S Code 6802-Obligations with respect to disclosures of personal information 15 U.S Code 1681 Also I have not given none of the Consumer reporting agencies written or verbal consent and was never notified that my private information would be reported or used in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a single 30 day missed payment that is reported on my credit report. It is the only missed payment in my entire credit history. I was homeless, didnt have a job and received no unemployment for 8 months until XX/XX/2021 due to XXXX. I also had my card stolen that was linked to my payments and therefore reported it to my bank and the payment to the creditor did not go through. I did not receive any communication from the creditor, and immediately paid the missed payment and explained my situation. It was due to a natural disaster ( Covid ) and I have asked for it to be removed from my credit report several times. I have explained my situation every time and have never missed another payment or any payment previous to that single payment. This is a life changing removal from my credit report and they simply do not care. This should be illegal. It was during the pandemic and it was one payment that I immediately rectified as soon as I received my new card.
Product: Mortgage

I called on XX/XX/XXXX to drop my PMI insurance as we havent missed one payment and we purchased the in XXXX XXXX for XXXX now the house is worth XXXX and only owe XXXX. We spoke to a representative at lake view and I requested them to drop the pmi he said I would need to pay this for the next 11 years. I told him I will be filing a complaint and requested his name, he informed me he wasnt allowed to give me his name and gave me a ID number of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated the account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate within all three bureaus. They did not provide me with the original signed contract in which myself and the other party had a debt obligation. This is grounds for removal in addition they also violated my rights.

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Also, the credit bureaus took more than 30 days to complete my investigation in which my tracking numbers are # XXXX, # XXXX, # XXXX, # XXXX 15 USC 1681 Section 1623 15 USC 1681 Section 611 ( a )
Product: Checking or savings account

I mailed a personal check from my Wells Fargo checking account to buy out a leased car from XXXX XXXX XXXX. The check was sent on XX/XX/2023. The check was made out to a business name ( XXXX XXXX XXXX ) in the amount of {$19000.00}. Wells Fargo contacted me on XX/XX/2023 and informed me that they discovered unusual activity on my account that they believed may be unauthorized. 

After looking into this, I determined that the check was stolen, fraudulently signed, and cashed on XX/XX/2023. I then filed a fraudulent check claim with Wells Fargo on XX/XX/2023. On XX/XX/2023, I received an Affidavit of Check Fraud by mail from Wells Fargo. I completed and submitted this Affidavit on XX/XX/2023 at a local Wells Fargo branch. 

On XX/XX/2023, I received a letter by mail from Wells Fargo stating that they were working to obtain a refund of my money from the bank that accepted the unauthorized check and that this process may take at least 90 to 120 days. Also, this letter stated that if Wells Fargo does not receive money from the other bank, they would send me copies of documentation related to my claim. This indicates to me that my refund is not guaranteed and is contingent upon Wells Fargo retrieving money from the other bank. 

I called Wells Fargo multiple times asking them to help get my refund sooner but each time their representatives just reiterated the information from their XX/XX/2023 letter and said there was nothing else they could do. 

I also filed a complaint with Wells Fargo on XX/XX/2023 about their lack of both transparency and timeliness in addressing this matter. I received an email from them on XX/XX/2023 confirming the receipt of the complaint. Per that email, they were supposed to get back to me within 10 business days. However, on XX/XX/2023, I received another email from them saying that they need more time to complete their research and that they would get back to me by XX/XX/2023. 

I find the handling of this matter by Wells Fargo absolutely unacceptable. Firstly, they have failed to protect my money from fraud by allowing a criminal to easily steal it. I would have expected Wells Fargo to have much stronger and more proactive controls in place to prevent fraudulent activity, especially as it relates to such a large amount of money. Secondly, I am very disappointed with Wells Fargo 's lack of transparency in communicating the status of my case. Finally, I am extremely frustrated with their complete lack of urgency in providing a refund for my stolen money in a reasonable timeframe ( which should be much shorter than 90-120 days ). I need help with having Wells Fargo refund my stolen money.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 
# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting or other personal consumer reports

I am an Experian XXXX Customer. My score should be reported daily from Experian with credit monitoring but only seems to decrease drastically when approaching XXXX ( XXXX point decrease instantly in the beginning of XX/XX/2023 ) and my XXXX and XXXX scores are not being reported, most recent were from XX/XX/2023. Also my score range across bureaus is close over XXXX, so although I have not seen recent fraud, the reporting seems inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was informed about a late payment reported on my file by FlexFinance XXXX 2022 on XX/XX/XXXX. I still have not heard from XXXX regarding the outcome of that complaint yet alone the other login issues Ive been having.
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXX 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.

This company 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a compliant with the CFPB 60 days ago regarding an account that appeared on my credit report that listed an amount that I did not owe. XXXX XXXX XXXX ) According to CFPB XXXX XXXX submitted a dispute to the credit bureaus ; XXXX, Equifax and XXXX but I never heard any of you. I want my credit report updated and this account removed.