23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

There were several fraud transactions from XXXX thru XXXX. I contacted the bank and advised them of all the fraudulent transactions and they said they would take care of them and to expect my replacement card in 2-3 weeks.

3 weeks ago I saw my statement and noticed several of the fraud transactions still on the account. I sent them a copy of the statement and a dispute letter that the balance on the account should be XXXX. 

Again today I get a notification from them reminding me of an upcoming payment due - SAME charges listed same balance due. They did nothing to adjust my balance despite sending them a dispute letter letting them know none of the current balance belonged to me. 

Haven't received my replacement card yet - wondering why it takes 2-3 weeks to get a consumer a replacement card?
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving it inaccurate, unverified, and unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as experience in action violates federal law and my rights as a consumer.
Product: Checking or savings account

Trying to link XXXX card to PNC account and I am unable to do so.
Product: Debt collection

Blue Trust Loans has repeatedly called my cell phone during working hours after I asked them not to. Then began calling our office phone at work and in one case left a voicemail ( XX/XX/2018 at XXXX XXXX ) stating that her name was " XXXX and to call XXXX ( and I have the recorded voicemail ) '' ; that I was past due with my account to XXXX XXXX XXXX and subject to be sent to collections. This message was heard first played and heard by a co-worker, who then played it for my supervisor. I've stated to XXXX XXXX XXXX plenty of times to call me after XXXXXXXX XXXX. CST to discuss a possible payment restructure and they have refused. Now they're calling my employer and personal financial information on my employers ' voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

summited a dispute with XXXX XXXX XXXX, XXXX company, and XXXX XXXX XXXX I have just checked my credit report and I see that the item is not marked disputed so I am unsure if the company is following the law, because 15 USC 1692 ( 8 ) states Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
here is my account info to use during your investigation into this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I noticed a credit card that I have never owned. It came out in my credit report.I filed a complaint and dispute. Discoverd it was a third party credit card.and the names that came out on this card. Have never known or heard of these name these people.. I contacted Barclay 's and they told me to file a 2nd dispute.. But the company keeps insisting its my card.. Its being used fraudulently. Because this is not my card.This card does not belong to me. It was opened in XXXX and just recently came out on my report. I do not own this card have never applied for this card for this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out all three Credit Bureaus several times on this matter, no one wants to help me with these items listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX are reporting late payments for account XXXX XXXX XXXX XXXX. I was never late on this account, and the information is inconsistent between the 3 credit bureaus. They were notified twice to validate that this account is reporting accurately on my credit report, but they have failed to do so. I will attach a copy of my credit report to show the inconsistencies between all 3 bureaus. I have tried to have this information corrected for over 2 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. My credit report also has a statement confirming that they've opened the dispute, but I have received nothing to validate this late payment in which I know I was never late. Saying that it was verified by the creditor is unacceptable. This is my credit ; my livelihood and I have the right to see sufficient documentation proving this to be accurate. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and the account to be updated to paid as agreed. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. I will include the letter as well as the time stamp. Please conduct a proper investigation and update this account.
Product: Prepaid card

The Amex Prepaid gift card service is not accepted anywhere online. No matter what I do to process the order. It's also not accepted by XXXX  payment processing. This card is such a scam. You can't add it to mobile payments either.
Product: Credit reporting or other personal consumer reports

Sent in bank statements from XXXX. The credit company ignored statements and further destroyed credit while siding with a credit company. When i called in personally i was spoken to rudely and hung up on even after requesting to speak with their experts. They then charged a closed account as a past limit to further hurt the score while moving the charge-off date 2 years further to discourage and more disputes all while moving the credit limit to 119 % to prevent any use of credit for what has now been 4 years
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month.this is an update in the payment history.A charged off account should not include an active payment history.This inaccurate information falsely manipulates the statue of limitations.You failed to investigate this account properly and your neglect has violated my rights.I 'm demanding a deletion of the following accounts : XXXX account number XXXX XXXX account number XXXX XXXX XXXXXXXX account XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX  XXXX account XXXX.
Product: Student loan

My student loans were originally serviced through XXXX, which was without issue until the loan was to be transferred to another administrator, AidVantage, in XX/XX/year>. 

Immediately prior to the transfer, XXXX incorrectly applied {$3300.00} of interest that had been paid to the loan. XXXX had said that it was an internal issue with the system, and that they would take care of it, although they were not able to provide a time line as to when this would occur. The loan ended up being transferred to Aidvantage with the incorrectly applied interest remaining. 

AidVantage has not been able to address the issue, and has either provided no meaningful information when asked, or has stated that because the issue occurred with a previous loan administrator there is nothing that AidVantage can do to address it.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Mortgage

Wells fargo home mortgage illegally removed funds from my bank account to pay fraudulent charges of add ons that were never known to me for 111 months time. 3 different add ons. Theu committed fraud and identity theft by doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I've paid XXXX XXXX XXXX {$1000.00} as payment in full to settle a debt after a financial crisis. Upon payment a representative name unknown mentioned he would update credit file. 2 reporting cycles has passed and XXXX XXXX XXXX for XXXX has fail to fulfill there end of agreement. this continues to hurt my credit score badly for chances to buy my family and i a home as well as rebuild my credit reputation in good standards.
Product: Checking or savings account

I logged into my mobile app and looked at my checking account. I noticed two charges on my account and i went to look for my debit card, which it had been stolen out of my wallet. I called SIMPLE and reported the debit card missing and the fraudulent charges, i was informed that i needed to wait for the charges to post to my account and no longer be in the pending status. While i was ending the call and before they cancelled my card a 3rd charge became pending in my checking account. so now it was a total of 3 charges that were pending and one that had already gone through. After receiving my new card i would be checking my account waiting for the charges to clear and not be in pending status any longer. so i could call and file the fraud claim. After i filed the fraud claim i waited for the investigation to finish and for the funds to be put back into my account. I received the outcome of the investigation today and they said they made a final determination on my dispute claims and based on our investigation, we have concluded that no error occurred ; therefore, no funds will be credited to your account and that this matter is considered closed. 
The reason for denial is stated The cardholder was active in the account at the time the disputed activity took place, logging in simultaneously with the disputed charges also that there were no excessive PIN declines. Let me just say that whoever stole my card obviously didnt know my PIN number and therefore they used the Credit option, hence the reason why the transactions were pending for so many days. i was logging in simultaneously due to the fact that i was checking to find out when the charges would no longer be pending and they would post to my account so that i could file the fraud charges and they could begin working the investigation. I have reached out To SIMPLE asking for a detailed log of everytime i was logged into the system and from which device, either my cell phone or computer. i have asked for the paperwork to which they used to come up with the findings of the investigation. I am going to be seeking legal action again SIMPLE and would love to find out how many other people have had fraudulent charges on their accounts but SIMPLE refuses to refund them the money???? This i will be taking to my Attorney Generals office as well to see if this is something they can investigate or look into as well.
Product: Mortgage

XX/XX/XXXX is when I stopped making payments on my house. Wells Fargo refused to modify for 3 years, but finally began a modification XX/XX/XXXX. Wells Fargo added on all the late fees and late payments onto the balance of my loan. They then separated my loan into 2 loans and spread the loan with the same interest for 40 years. I tried in XX/XX/XXXX to modify again with Wells Fargo as property taxes had doubled and I could not afford the payment again. They refused on the grounds that they could but did share that I didn't make enough. I applied again in XX/XX/XXXX for another modification and my loan servicer was sold to XXXX XXXX XXXX within 2 weeks of my request for a loan modification. I have had my account changed twice already within a month with the new servicer and no results as of yet. All I want is to get my original loan amount back so I can go out and purchase a loan for a fair amount. 

I used XXXX XXXX XXXX XXXX XXXX XXXX ; however, they were unable to help me get a modification. It was XXXX ( XXXX-XXXX-XXXX ) that was able to get Wells Fargo to modify my loan in XXXX. I have called XXXX, but they were unable to help me and they do not consider HOA fees as part of your debt.
Product: Checking or savings account

Hey I was inquiring about an issue that I have with BB & T where there's was fraud committed on my account causing it to close/charge off for no apparent reason. I disputed this item and let them know multi times that fraud was done and they dismissed my claim with no real investigation and they told me that it was verified without providing any documents. This has cause my to owe XXXX plus dollars and I am unable to open any new bank accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter in regards to several negative items appearing on my credit report related to various accounts that have been charged off, late payment accounts, and collection accounts. The following accounts are the ones I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account I dispute the accuracy and completeness of the information reported by your organization regarding the above-mentioned accounts. I believe that there are errors in the information that has been provided and that they have been reported in violation of my consumer rights. 

I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) states that any information reported to the credit bureaus must be accurate, complete, and verifiable. It is my right to dispute any inaccurate information and to have it corrected or removed from my credit report. 

I also believe that the reporting of this information has caused significant emotional distress and hardship for me. I request that these negative items be removed immediately as they are affecting my credit score and financial well-being. 

I request that you investigate these accounts and remove any errors or inaccuracies that you find. Please provide me with written confirmation of your findings and any action taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card or prepaid card

Approximately XX/XX/XXXX of XXXX my EDD/SDI debit card issued by bank of America was closed or frozen because of " indentity verification issue '' is what the customer service agent told me at Bof A that California department of employment development department put a hold on my account and told me to contact EDD, which was false. The EDD said there was no hold and to call BofA, so it was like I was a pingpong ball going back XXXX forth. Then Bank of America out the hold on my account and funds were not available they finally just closed my account. They have yet to allow access to my funds on that card ending in # XXXX exp XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the Montgomery Ward account appearing on my XXXX credit report with I have never opened an account with Montgomery Ward and have no knowledge of this debt. I believe this account is the result of either identity theft or mistaken identity. 

I contacted Montgomery Ward directly and requested proof of a signed contract for this account. As of today,XXXX I have not received any documentation or response from the company, nor have they removed the account from my credit report. 
Therefore, I am requesting that you immediately investigate this dispute and remove the Montgomery Ward account from my XXXX credit report. Please note that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in my credit report.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Please find attached copies of my communication with Montgomery Ward as supporting documentation.

Thank you for your prompt attention to this matter. I look forward to your confirmation that the disputed account has been removed from my report. 

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

I've reached out to XXXX and XXXX with updating and deleting old addresses. I've sent by mail ( certified ) with supporting documents ( lease agreement, Drivers license, and utility bill ) stating my updated address. Nothings changed on my credit report. I've mailed out my documents mid XXXX, 2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX XXXX  but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When my bank account issue to pay XXXXXXXX XXXX XXXX  I give handcash to them But they reported delay due Please fix it i did handcash correct time
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is showing an inaccurate debt reporting on my credit report from XXXX XXXX XXXX  in XXXX XXXX, GA. I have contacted XXXX  XXXX  and the management company, XXXX XXXX XXXX, and spoke with a XXXX XXXX AND XXXX XXXX. Both state they have no knowledge of any account owed. I contacted XXXX XXXX  and was told to " stop talking '' after I told them they are inaccurately reporting an account that does not exist. The representative released the line in my ear after I told her I would not stop talking. I have filed a complaint with Top class Action Attorneys as I have located more than 100 complaints online in regards to illegally reporting and attempting to collect debts not owed. This will lead to a class action lawsuit that will help prevent this company from illegally reporting and collecting from individuals.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I purchased a new Honda Civic from Honda Financial services because I was promised to get the rebate program they had going on, which they still currently offer, but refuse to apply to my statement. The rebate is the College Graduate rebate program that if you graduate within the next 6 months to 2 years from an accredited university they will apply a {$500.00} rebate to your owed financed balance. I only purchased the vehicle from them because I was promised to have this rebate applied as soon as I graduated. I then came back after I graduated and they refused to apply the rebate for me.