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

I sold a manufactured home and went with the buyer to his credit union to get a cashier 's check. The teller gave me the check, and I deposited it at Wells Fargo. The teller called a manager over to verify the {$23000.00} check. The manager wrote down some numbers as she verified the check. After the manager hung up the phone, I asked If we were all good. She replied yes.I told the teller that my brother-in-law is a member of Wells Fargo in another state and that I need to send him {$9900.00} that I owe him. The teller said we could deposit the money into his account for you. After I left the bank, my friend and I went for lunch, and my debit card was declined. I logged in to Wells Fargo, and my account showed my balance was {$9100.00}. OK, maybe the check will go in overnight. The next morning, I checked online, and my balance showed {$13000.00}. But every time I tried to use my debit card or pay a bill online, I would receive a message saying insufficient funds.I called the bank and they told me the check was never verified. The bank said the maker and credit union had a hold on the check. On Monday, I went to the maker and credit union and spoke with a manager, XXXX, and she told me the funds had left the buyer 's account, the funds were verified, and the check was not on hold. XXXX told me if there is a hold, it's with Wells Fargo. After I started calling Wells Fargo Corp, my local branch on XXXX XXXX XXXX XXXX, Florida they changed my account balance back to - {$9100.00}, putting a hold on my personal money in my account. My cell phone and auto insurance auto pay have been declined. I had to cancel my XXXX XXXXXXXX XXXX XXXX XXXX  because I can't pay the XXXXXXXX out-of-pocket amount. Also, I wrote a check for XXXX 's rent at the new place I just moved to because the check will bounce. My spouse and I are out of food, and my gas tank is empty. My friend let me borrow some gas money to get to my work and not lose my job..Wells Fargo didn't care about my issues and said the check would be on hold from XX/XX/XXXX until XX/XX/XXXX. Wells Fargo just kept lying about the credit union and maker having a hold on the check. I told them it was a certified check, meaning the money was guaranteed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  PA XXXX XXXX BANK XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$11000.00} XXXXXXXX XXXXXXXX XXXXXXXX Balance {$1100.00}
Product: Credit card

Around XXXX weeks ago, the bank informed me that my credit card, with a perfect record of no missed payments and in perfect standing, was closed with a letter stating " we are sorry to inform you.. '', Appears that only I was informed of this predatory action as my XXXX credit report shows the card in its perfect standing, along with the card XXXX XXXXong history. 
My last statement, showed a small hospital bill, which most probably was the case of the BofA predator worry, And they made it into HUGE worry for me, as I could not use the card to continue my treatment and was forced to go to a pubic hospital in XXXX, XXXX, AND THE PREDATORS WHO DID NOT LET ME USE MY CREDIT CARD FOR A MEDICAL TREATMENT, WHICH WOULD HAVE BEEN REIMBURSED, IMMEDIATELY BEGAN TO BOMBARD ME WITH REMINDERS OF THE FORTHCOMING PAYMENT, Well, predators of BofA, THERE WILL BE NO MORE PAYMENTS ON THIS OR ANY OTHER USELESS CREDIT CARDS, OF WHICH YOU HAVE BEEN REPEATEDLY WARNED
Product: Credit reporting or other personal consumer reports

XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to TransUnion was dated XX/XX/22 but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If TransUnion does not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Balance Owed : {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Account name : XXXX XXXX XXXX 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureau is reporting inaccurate information on WF/XXXX  Per FCRA XXXX reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has placed a collection account on my credit report via Equifax in XXXX of XXXX 
Upon learning about this collection account via XXXX XXXX ( based on alerts I subscribe to ) I contacted XXXX XXXX XXXX XXXX to request validation of the alleged debt, which does not belong to me. I also disputed this company 's collection account with Equifax on XX/XX/2022 ( Equifax confirmation # XXXX and on XX/XX/2022, Equifax responded to say " this account has been verified and will remain on my credit report. '' I provided a copy of a recent Identity Theft police report filed by me, as there were multiple accounts listed on all three credit bureaus which did not belong to me. 
I have mailed to XXXX XXXX XXXX XXXX a written request for the validation of this alleged debt the company is saying belongs to me. I have been unsuccessful receiving a response. I mailed the request on XX/XX/2022. To date, no response has been received from XXXX XXXX XXXX XXXX to validate the debt. Additionally, I never, ever received an notice of this debt from XXXX XXXX XXXX XXXX prior to the company submitting the alleged collection to my credit report.
Product: Credit reporting or other personal consumer reports

I don't know how many letters I have sent your bureau regarding my identity theft, but my concerns remain unresolved. Here I am again, disputing the fraudulent information damaging my file and expecting your immediate action this time. 
Despite sending the required FTC complaint, your bureau is still reporting these fraudulent accounts on my credit report. I have contacted the banks associated with these accounts, submitted the necessary documents, and they have immediately deleted the accounts from their records. 

Additionally, other credit bureaus have already removed these accounts after receiving the FTC complaint. I am curious about the verification method your bureau used to continue reporting these fraudulent accounts. 
The following fraudulent accounts have been listed on my credit profile : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I completed two separate transactions successfully. On XX/XX/XXXX, I received two notifications within 30 minutes of each other stating that those transactions had updated, essentially doubling the amounts of this transactions. They are as follows : Merchant : XXXX Original transactions amount : {$10.00} Cash App updated amount : {$20.00} Merchant : XXXX Original transaction amount : {$430.00} Cash App updated amount : {$870.00} Total amount stolen by Cash App : {$450.00} XXXX I immediately reported my card information stolen and ordered a new card. I also did my due diligence and followed up with the merchants to ensure that I had not been charged twice by their systems. After being unable to get through to Cash App support, I went to their support page on XXXX, which acknowledged their support system was down and that transactions have been doubled. However, I am being no responses and no resolution as many others have not as well. This was part of my rent money for XXXX and I want it back. Now.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All accounts listed reported to Federal Trade Commission XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS I WENT TO MY TAX PROFESSIONAL TO GET MY TAXES FILLED, MY CONSULTANT TOLD ME THAT I WAS NOT ABLE TO FILE MY TAXES DUE SOMEONE USING MY IDENTITY. AS I'M TRYING TO GET THAT TAKING CARE I DECIDED TO GET CREDIT REPORT PULLED. WHEN I GOT MY CREDIT REPORT THERE WAS A NUMEROUS LISTOF THINGS THAT I HAVE NEVER APPLIED FOR IN MY LIFE. PLEASE REMOVE THESE OFF MY CREDIT AS SOON AS POSSIBLE. SPRINGLFIN XXXX {$3700.00} XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several account billing errors with XXXX XXXX XXXX in accordance with the fair credit reporting act this Company has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. I know that an account a written list of transactions, noting the money owed ( top part of the statement ) and money paid ( bottom part of the statement/dividend check ) : a detailed statement of mutual demands arising out of a contract or a fiduciary relationship. An account can simply list payments, losses, sales, debits, credit, and other money actions, or it may go further and show a balance or the results of comparing site transactions, like purchases and sales coupon is a definitive bearing interest instrument associated with a U.S. Treasury bearer security. 31 CFR 358.1 15 USC 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. 15 USC CHAPTER 41, SUBCHAPTER III ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term " consumer reporting agency '' means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term " file '', when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
Product: Credit card

Financial Institution : Comenity Capital Bank Product/Service : Credit Card ( Dell Financial Services Account ) Issue : Dispute of Financial Charges Due to Account Transfer and Autopay Cancellation Details of the Complaint : I am filing this complaint to dispute financial charges applied to my account associated with Dell Financial Services , managed by Comenity Capital Bank . This dispute concerns a total accrued interest charge stemming from an account transfer that inadvertently canceled my autopay setup, leading to unforeseen charges.

Timeline and Actions Taken : Up until XX/XX/2023 : I have been a diligent customer, making consistent payments and covering 98 % of my loan over 11 months through an autopay system. 

Recent Account Transfer : Without initiating the transfer myself, my account was transferred, which unexpectedly canceled the autopay and left a remaining balance of {$61.00}. 

Charge Incurred : Following this, I was charged a total promotional accrued interest of {$390.00}, as detailed in the statement dated XX/XX/2023. This charge appears to be for the full promotional period, despite nearly complete payment and the balance 's insignificant amount due to the administrative changes beyond my control. 

Customer Service Attempts : I have attempted to resolve this issue through customer service but faced long wait times and disconnections. The responses received acknowledged the automatic payment cancellation as an unintended result of the account transfer but did not offer a satisfactory resolution. 

Specific Disputes : Total Accrued Interest Charge : {$390.00}, which I find unreasonable given the circumstances surrounding the account transfer and autopay cancellation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is currently an auto account listed on my credit report that I have no knowledge of. This was a result of an error or malpractice.
Product: Mortgage

I refinanced a construction loan ( XXXX XXXX XXXXXXXX XXXX ) with a mortgage loan ( lender - Wells Fargo ). Loan principal amount being paid off was the same as the loan principal on the new loan. Closing was set for XX/XX/year>, which is when my loan began with Wells Fargo. This meant I started paying interest on this new loan on XX/XX/year>. 

However, Wells Fargo did not provide funds to XXXXXXXX XXXX to pay off this loan until XX/XX/year>. This meant XXXXXXXX XXXX charged my interest from XX/XX/year> to XX/XX/year>. 

Thus, I had to pay interest for XXXX days to two different banks because Wells Fargo did not wire funds on the closing date. 

I have filed multiple complaints on this, and Wells Fargo says that they do not owe me any money back. 

To me, this is effectively stealing from me. I need someone who cares about consumers to look into this as it is wrong. Should not have to pay interest twice on the same loan.
Product: Debt collection

Hello XXXX, I 'm writing today because i 'm having issues with Fedloan servicing reporting two student loan accounts to my XXXX and XXXX  Credit reports. Fed Loans is reporting that i am 180 Days past due for a balance of {$0.00} dollars. My only student Loans have been paid off with no missed payments and were managed by XXXX these two phantom accounts with incorrect and incomplete information is damaging to my overall good credit and needs to be removed.
Product: Credit card or prepaid card

Hello, I am a bank of America Travel reward card customer.

I want to vacation on XX/XX/2018 and returned on XX/XX/18 and the date on transaction is XX/XX/18 and XX/XX/18. 
I went on a vacation to XXXX XXXX. I went to one club where I lost my wallet. I realized after 8 hours or so and I went back to see if it was there or not and I was able to find it from the front office. After a week when I was going over my statement I saw that there are two different changes which I did not make or authorize to make. One in that restaurant and the other in some park where they require you to put your Credit card as contingency. These changes are fraudulent to the best of my knowledge. I tried calling merchant no help, then credit card bank ( Bank of America ) fraud claim rejected saying the card was present when the transaction happened ( obviously ) and they do not suspect fraud. No help after 3 months so filing complain for it. This has happen earlier as well but I did not have evidence I honored the charge at the end. 

Please extend your help. 
I have attached my credit card statement for the purpose of identifying me and transactions are highlighted already. 

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

XXXX first Experian received its second complaint in regards to incorrect reporting on my credit file. XXXX  has failed to comply with 15 USC Section 1681n and 1671o. XXXX Account XXXX and others. Experian was notified that all XXXX  Accounts are XXXX XXXX XXXX XXXX, PA account associated with the XXXX XXXX and were paid by the V.A. Under the Protecting Veterans Credit Act of 2018 " Prohibiting medical debt that should have been paid by the VA to be reported as part of a veteran 's credit history. Yet Experian continues to report these V.A. accounts under my name and my credit report. XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX The credit bureau has the settlement from a court hearing were the loan is considered paid in full and can not report me to the credit bureau. Experian continues to ignore the court order and reports this account as charged-off. XXXX XXXX Acct XXXX Experian has the letter from XXXX XXXX that they were unable to properly identify me as the holder of the account. A police report, a criminal identity theft case was filed with XXXX  and XXXX as the letter stating which caused XXXX XXXX to be unable to distinguish me from the fraudulent party. Yet Experian claims the Account was verified when XXXX XXXX  said it can not verify the account due to the police report and the identity theft. XXXX  Account A police report, a criminal identity theft case was filed with XXXX  and XXXX  as the letter stating which caused XXXX XXXX to be unable to distinguish me from the fraudulent party. Yet Experian claims the Account was verified when XXXX XXXX said it can not verify the account due to the police report and the identity theft. This is the same account as XXXX XXXX just resold. XXXX XXXX XXXX. The original creditor XXXX can not verify the account since they can not find the original agreement of credit. Yet Experian falsely claims the account was verified. Rather than remove the items Experian now all of a sudden can not find my identification to verify my report.
Product: Credit reporting or other personal consumer reports

Hi I did not authorize these companies to run my credit or to try an open an account please remove this from my account from XXXX TransUnion and XXXX. On XX/XX/year> XXXX XXXX  XXXX was not authorized to pull and report to my credit. XXXX BANK on XX/XX/year> I also did not authorize. XXXX XXXX XXXX XX/XX/year>, I did not authorize. XXXX Services XX/XX/year> I did not authorize I tried disputing but it is still on my report please remove these from all three bureaus on my reports because this is fraudulent.
Product: Debt collection

We had an credit card with XXXX XXXX with a {$500.00} credit limit. We were not using it and closed the account with a {$0.00} balance to avoid further fees in XXXX. XXXX XXXX stopped communicating with us after we closed the account. In XX/XX/XXXXPortfolio Recovery put an item on our credit report claiming that we owe {$1200.00} on the closed XXXX XXXX card. They claim that the account was not closed and that XXXX XXXX increase the credit limit repeatedly before sending the account to collections. We have requested documentation and disputed the debt three times through XXXX  & XXXX  to avail. Portfolio Recovery claims that they've send us documentation on two occasions but has never done so. They are also required to send documentation when the debt is disputed. They have never done so. Our best guess is that XXXX XXXX secretly kept the account open, charged themselves service fees and increased the credit limit without disclosing this to us. We believe that whatever documentation Portfolio Recovery has shows this and that is why they refuse to provide documentation. We believe that both companies are in clear violation of the FCRA