23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I XXXX XXXX and XXXX XXXX my son have an account open is a line of credit with Wells Fargo # XXXX monthly payment get deducted from our checking account automatically Well Fargo checking they are reporting 30 days late on this account for the past 18 month ( see credit report attached ) I call this business several times in the past month and they promise a 0 late letter they are not responding Im trying to clear this wrong information that they are reporting with the bureau please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I notified the credit bureau that I am a victim of Identity Theft, ( police report, identity and theft affidavit ). I provided the legal documentation required along with identifying information. I requested they remove the following accounts. This information is still reporting. I was first violated when they failed to verify the information and then when they reported it. The original creditor has deleted the account but the collection agency and credit bureau accounts are reporting The credit bureaus and the collection agency has ignored the laws that was set-forth to protect me. It has exceeded the 30 days to investigate and delete the account. 
The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only address that should be reporting i s XXXX XXXX  XXXX XXXX, XXXX Ga, My Name should be reporting as XXXX XXXX XXXX XXXX No variations and no AKA I did Not authorize the following Inquiries : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was perfect! I'm in the process of buying a house in discovered that XXXX is reporting late payments on my credit report, which is not true. This has drop my score 60 points and causing high interest rates for my loan!

In addition, when you try and login to the system is does not give the option and prior to that it stated no payment were due on the account. However, they are reporting negative information on my account. They have placed this information across all three of my credit reports.

The only negative on my credit report is XXXX and XXXX, which XXXX XXXX is incorrect, old and reinserted!

Please assist ASAP.
Product: Credit reporting or other personal consumer reports

TRANSUNION HAS REFUSED TO BLOCK AND REMOVE THE FRAUDLENTS ACCOUNTS OFF MY CREDIT REPORT AND JUST START THE DISPUTES AS " NOT MINE ACCOUNT ' WHICH IS FALSE.. I WANT TO START A DISPUTE AS FRAUD/IDENTITY THEFT AND REMOVE THESE 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 PLEASE BLOCK THESE ACCOUNTS THANK YOU THEY REFUSED
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost concern to EXPERIAN regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that Experian conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Product: Checking or savings account

This matter involves XXXX XXXX XXXX XXXX which is now truest I have my business checking account there for a few years and in XX/XX/year> I was told that I needed to close my account within 24 hours and that I hadnt done anything wrong, but as part of the bank regulations, it was required that I closed the account. I asked the rep at the counter what was wrong why I had to close my account she said she wasnt sure but she will get my money together for me to withdraw from the bank. I then spoke with XXXX XXXX, who was my personal biking rep who I work with for the years that I was biking there and she looked at my information and she wrote down a case number, and she said that my account was being flagged for international money laundering to XXXX. Ive never sent money to XXXX. Ive never worked with XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive never laundered any money. All of my banking transactions are within the United States if I do purchase any type of inventory or supplies outside of the United States Everything is done legally. XXXX XXXX XXXX  would not officially give me any statements. And when I reach back out to XXXX. She let me know that she will get in trouble if she spoke with me again because she was not supposed to look up my account to find out that I was being flagged for money laundering. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I just now received an phone call from bank of america resolution specialist XXXX XXXX to address my concern for my last complain. He narrated that if a claim is re-opened then as per regulation E for provisional credit within 10 business days is not applicable. Well when I ask the XXXXXXXX XXXX  it tells me opposite to that. I have attached and highlighted the search results that I got from XXXX for your kind review. Please clarify who is right. I am already suffering due to the fraudulent activity in my account and my bank is making it worst by not following Regulation E and its over 12 business days. Need your help. Thanks.
Product: Credit card or prepaid card

To Whom Can Assist ; I have auto-enrolled in my credit card statement balance being paid in full. They continue to take credits from the month ahead until the payment is made. The problem is, they will still show those credits in the next statement, even if they are not available. 

Can you tell me if this is legal? I'm not able to keep track of what they are doing, and I've requested pay statement total in full. How do they get away with not doing exactly that? 

When I've reached out to the credit card company, they tell me this is what consumers prefer. Shouldn't those credits be moved if they do it this way, so that we can both track what is being done? 

You can see in my file the previous balance pulls the credits from the current month. And the current month credits are not taken in the month they are credited. 

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

I am writing to correct the following information which is incorrect credit bureauhas on file : XXXX XXXX XXXX XXXX XXXX {$32.00} Paid in full. Closed XXXX  XXXX {$4900.00} is incorrect. The correct Balance is {$2000.00}. 
XXXX  XXXX XXXX credit is {$0.00} Balance. 
Address : XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX is incorrect. This not my correct Address XXXX XXXX XXXX : {$35000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is fraudulent reporting an account which was opened on XX/XX/2017 to equifax, XXXX  and XXXX for the amount of {$720.00}. They reported that the are trying to collect for a company called XXXX XXXX. I have never taken an online payday loan from this company. The number the credit bureaus have is a non working number I am unable to contact this company by phone. I would like this reported this to the BBB and have seen multiply reports on the company doing the same thing to numerous people they are scammers and need to be stopped. This account was opened as a result of fraud e. I have no. contracts with XXXX nor XXXX XXXX. They have no legal right to collect because ive got no goods or services from either of these entities
Product: Credit reporting, credit repair services, or other personal consumer reports

I Went to apply for a credit, with one creditor and once i applied with them i had alot of unauthorized inquires. 

XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, MI XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX XXXX XXXX, IN XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX are both charge-offs the irs clearly states If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification.

And 15 USC Code 1681e B states ( b ) Accuracy of report Whenever a consumer reporting agency pre- pares a consumer report it shall follow reason- able procedures to assure maximum possible ac- curacy of the information concerning the indi- vidual about whom the report relates.
Product: Credit card or prepaid card

XXXX XXXX notified me in my XXXX credit card statement that TD Bank had purchased the XXXX XXXX   Cash back Visa card, and that TD Bank would no longer be continuing the XXXX Cash Back Rewards program. As a result, no more cash rewards would be deposited into my XXXX online savings account after XX/XX/2020. At that time, I called XXXX XXXX to redeem the current balance in my Cash Back   Rewards account, and deposit them into my XXXX   online savings account. I was asked if I wanted to continue my credit card account with TD Bank even though they would no longer be offering the XXXX Cash Back Rewards program. I told them that I did not want to continue my credit card account with TD Bank if that were the case. 

I got my final credit card statement on XX/XX/2020 for the period XX/XX/20 - XX/XX/20. During that period, I had accumulated {$20.00} in current cash back rewards in my account. When I called to redeem the rewards, TD Bank told me that since I had declined their credit card offer, the accumulated rewards were no longer available to me. They stated that by not accepting their offer to continue my credit card account with TD Bank, I had " by default '' closed my account. And they stated that once an account is closed, the cash rewards are forfeited to TD Bank. 

When I called to complain, I spoke with Agent XXXX # XXXX and Agent XXXX # XXXX, who both told me there was nothing they could do to get my cash rewards back to me because that was their company policy and they can not change company policy. They further stated that they could prove that this was their company policy because it says so in their credit card agreement that they can keep these cash rewards funds once the account is closed. 

I don't see how this can be legal. If so, TD Bank is being allowed to keep all the cash rewards that have accumulated in all the accounts for all their customers who did not agree to accept their TD Bank credit card. They are telling me it is legal because they sent me a notice stating that if I did not redeem my remaining cash rewards by XX/XX/XXXX, then I would forfeit the rewards, but I told them that I did not get that notice. Their position is that since they told me that they sent it to me and it states in my credit card agreement that they can keep any cash rewards from an account that is closed because I did not accept the terms of their new credit card, then there is nothing they can do. 

I don't think the cardholders who decide not to accept the TD Bank credit card terms are aware of this policy by TD Bank. And that's a whole lot of money that will be forfeited by a whole class of consumers, including myself, who will lose thousands of consumer dollars in cash rewards balances that must be forfeited to TD Bank as a result of this self-serving company " policy ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$460.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CONSUMER REPORTS ARE BEING USED BY ALL 3 CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. I RECENTLY RECEIVED MY CONSUMER REPORTS AGAIN AND THEY ARE STILL REPORTING UNAUTHORIZED ACCOUNTS THATS VIOLATING MY RIGHT TO PRIVACY AND DAMAGING MY REPUTATION AND THIS IS NOT FAIR TO ME. ITS ALMOST IMPOSSIBLE FOR ME TO GET A LOAN OR APPLY FOR A NEW JOB WITH THESE ITEMS ON MY CONSUMER REPORTS. PLEASE HELP ME WITH THIS MESS, I AM AT MY WITS END WITH THESE CONSUMER REPORTING AGENCY CROOKS. THEY REPORT OUR INFORMATION WITHOUT WE THE PEOPLE EVEN KNOWING ABOUT IT AND THAT IS NOT FAIR US! ITS VERY DIFFICULT ENOUGH TO SURVIVE WITH THIS CORONAVIRUS PANDEMIC GOING ON. I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING OPPRESSED. I NEED HELP WITH THIS, ITS BEEN OVER 30 DAYS AND SINCE I DISPUTED THE UNAUTHORIZED ACCOUNTS AND THEY HAVEN'T RESPONDED.
Product: Debt collection

I obtained a non-secured loan from XXXX in XXXX after being forced shaped out of the XXXX XXXX. I was unemployed for 9 months and had to relocate XXXX but was paying $ XXXX/month on the debt. The loan was sent to Atlantic Credit and Financial where I continued to pay $ XXXX/month due to extended unemployment. In XXXX XXXX, while checking my credit report, I noticed that the debt was now a judgement. I had never been notified of potential legal action. I NEVER received any type of notification from Atlantic Credit ( or the law office ) informing me of the judgment. I NEVER received any type of documents from the XXXX XXXX XXXX allowing me the opportunity to respond to the claim. I DO NOT deny the debt. The debt is my debt ; however, I dispute the fact that it was placed as a judgment especially since I was paying as agreed. I am a Veteran of the XXXX XXXX XXXX and have endured many obstacles in the last few years and was just starting to recover until the judgement was placed on my credit report. Again, I am responsible for the debt ; however, I do not agree with the debt being placed as a judgement and I believe that I did not receive my consumer rights to respond prior to the debt being placed in judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate reporting of multiple late payments by these creditors to Equifax. Their records falsely reflect several payments as late, despite the fact that they were made on time. These errors have remained on my credit report, unfairly damaging my credit score and causing unnecessary frustration.
Product: Student loan

Nelnet is a joke. They won't let me log into my account claiming they don't have my info on file. Social security, phone number etc. They do. I can not log in one week then the next I can. Same credentials everytime. When I access the account all my info is on file. The app does not work. The website is a hot mess and can not pay my bills on time because of this. Customer service is NON existent. They should be paying my bill at this point!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address that is being reported on my credit report that I haven't resided at before and I would request that it be removed from my report. Also, I am requesting a full credit report with the updated information, please. 
XXXX XXXX XXXX XXXXXXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attatched XX/XX/XXXX letter to Equifax requesting WRITTEN DOCUMENTATION TO VERIFY PURCHASES * MADE BY ME MY IP ADDRESS SIGNATURE TO ACCEPT DELIVERY @ PO OR ORIGINAL * DELIVERY SIGNATURE INTO MY HANDS. see attatched proof of delivery Equifax recieved XX/XX/XXXX. Equifax report cicled XXXX  # XXXX IS RESULT OF ID THEFT see attatched FTC ID THEFT Case XXXX of XX/XX/XXXX. Criminal Investigation Letter XX/XX/XXXX USPS deliveries NOT MADE case XXXX XXXX  ( 5 FIVE ) Replacement cards AFTER FRAUD I REPORTED BEGINNING XX/XX/XXXX see attatched List of thousands of transactions reported to XXXX. See attatched XX/XX/XXXX XXXX  DENIED TO APPROVE MY CLAIM. Emails from XXXX XXXX   BRANCH AVAILABLE DISMISSING ME AFTER A YEAR DISPUTING AT CORPORATE OFFICE TRANSFERRED TO BRANCH. XXXX XXXX REP. see attatched statutes ftc provided with the ID THEFT REPORT. XXXX  IS ILLEGALLY COLLECTING ON ID THEFT. XXXX  DID NOT RESOLVE FRAUD 2 BILLING PERIODS. ** XXXX  REFUSES CLAIM AND STARTS COLLECTION?? XXXX EQUIFAX DID NOT FIX THIS ISSUE CONTINUING INACCURATE CREDIT REPORTING. PLEASE VERIFY WITH ORIGINAL PROOF OF PURCHASE AND DELIVERY ** INTO MY HANDS. 
PROVIDE MY ORIGNAL SIGNATURE OR DELETE IMMEADETLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank has decided to close my PayPal account due to me not being able to make the regular payments due to income loss from the pandemic. I work in real estate in XXXX XXXX, commission only, and buyers simply are not qualified any longer for loans because of their own income situations as a result of the pandemic. If people aren't buying, I am not making any money. And this is all due to the pandemic of course - clear and obvious. I am wondering if there is not an exception to them being able to do this - that is, for certain circumstances, actions can be justified or not due, for instance, to acts of God, etc ... unforeseeable reasons. I just do not think it is fair and right for Synchrony Bank to close my accounts or anyone else 's in this historically awful time. It is negatively affecting my credit reports - I just received an alert from XXXX. This just can't be right. Add to this situation that my wife and I subsidize my mother in law 's expenses about 80 % per month - she only receives {$660.00} in XXXX   per month. Living in XXXX  is a lot more expensive than {$660.00} per month. My wife and I have only been receiving UI benefits all this time - those benefits pale in comparison to our monthly income when real estate is open and thriving.