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

I have already reported speedy finance to this institution consumer finance and to experian XXXX  and XXXX  and somehow they keep sneaking in and adding the same debt that was reported and not confirmed to all 3 comapnies after all 3 companied removed them can someone please explain why these companies can keep sneaking in debt as collections after all 3 XXXX  experian and XXXX  have removes them in the past. As a matter of fact consumer finance already has a report on speedy finance. This is outragous.
Product: Checking or savings account

Wells Fargo Bank continues to make changes to my Checking and Saving Accounts by changing current Physical Address to OLD Addresses and deleting my mailing address that has been on record for over three years and posting false FICO Scores and posting False Credit Applications Request, one credit application one application on XX/XX/XXXX with XXXX XXXX for a XXXX XXXX XXXX which was paid in Full on XX/XX/XXXX and a Second on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and the third was a " FRAUDULENT CREDIT APPLICATION that XXXX XXXX XXXX XXXX XXXX which is in CFPB Record which lowered my FICO SCORE by XXXX points, Management of my Wells Fargo Bank has a history of changing my address over FOUR TIMES in two years
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION XXXX DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXF FLORID XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax and XXXX  are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Equifax received a certified letter from me disputing the inaccuracy of a bankruptcy on my credit report. Not only is the information incorrect but is unverifiable and I need this information permanently deleted from my report for it is damaging my credit. I even sent a letter from the court to them saying the court system does not report to the credit bureaus which is what is listed on my credit report. They had 30 days from the time of my dispute to respond and delete this account but they failed to do either. Which in turn, they broke the law according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated multiple disputes with XXXX for incorrectly reported late payments on the XXXX Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my XXXX, XXXX XXXX & EQUIFAX credit reports. XXXX, XXXX XXXX & EQUIFAX should not be reporting incorrect information per the Fair Credit Reporting Act and must remove / delete the following reported late payments below. I have provided all requested documents to XXXX, XXXX, XXXX XXXX & EQUIFAX to get this issue resolved in which they requested. They have also failed to provided me with requested information in which I have asked to Prove I was late in any of the months provided within the 30-day time frame. The XXXX account being reported is currently in good status/standing but is showing as a negative account being reported on my credit report. On each of my credit reports they are different late payment months being reported and does not line up with each other which shows inaccuracy. This ERROR has severely affected my chances to gain professional employment, increase credit & apply for a home for me and my family. Below are the reported late months that should be Removed/Deleted from my personal credit reports : XXXX Reported Late Payments : 1 )XX/XX/XXXX 2 ) XX/XX/XXXX 3 )  XX/XX/XXXX 4 ) XX/XX/XXXX XXXX XXXX Reported Late Payments : 1 )XX/XX/XXXX 2 ) XX/XX/XXXX 3 )  XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX EQUIFAX Reported Late Payments : 1 )XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 )XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX
Product: Checking or savings account

XXXX on Thursdays my direct deposit will post to my account, this morning i checked my account and to my surprise nothing was in my account, even on my transaction history nothing was shown. There has been no communication or official statement made about the these so called technical difficulties to their customers. Everyone is left wondering when will our funds be an available. However its said to say that most have bills on auto pay or have already exceeded the amount of days to be late before deadlines are met. XX/XX/year> Us the customers will not receive any type of compensation for their mistakes. They been having technical issues since yesterday afternoon.XXXX, and nothing was said to customers
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information CAPITAL ONE is furnishing. 


ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL -ACCOUNT DIFFER FROM XXXX, XXXX & XXXX DATE OPENED-DATES DIFFER FROM XXXX, XXXX & XXXX BALANCE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX, XXXX & XXXX CREDIT LIMIT- AMOUNT DIFFER FROM XXXX, XXXX & XXXX PAST DUE- XXXXMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, XXXX & XXXX DATE LAST ACTIVE- DATES DIFFER FROM XXXX, XXXX & XXXX DATE OF LAST PAYMENT- DATES DIFFER FROM XXXX, XXXX & XXXX PAYMENT HISTORY- DIFFER FROM XXXX, XXXX & XXXX CAPITAL ONE was required to notify me XXXXater than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that CAPITAL ONE complied with this requirement.
Product: Checking or savings account

About a month ago I fell for a usps scam about reshipping a package, a few days later I notice multiple charges that totaled up to {$150.00} on my account. I immediately locked my card and called chase to dispute these charges and the informed me someone stole my card info and used it to create a XXXX XXXX  account. They promptly refunded the charges and I assumed it was clearly fraudulent charges so everything would be dealt with. I was wrong. 
Today I noticed that the refund was reversed and immediately called my bank just to be told the charges didnt ping any red flags while investigating so my claim was denied? Not only is frustrating because Ive had my account for years and this is the first time Ive had a issue like this but Ive also opened a credit card with chase and if this is how they treat identity fraud I dont feel safe banking with them at all and I would recommend anyone opening a new account not too as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be errors. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or XXXX, I would like it removed immediately. 

This company reached out to me on XX/XX/year> to confirm a loan that was approved in my name. I told them that I did not apply for a loan, and they cancelled the application and I was told to reach out to all the credit agencies to correct any incorrect information. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 


Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I had an SBA loan with Wells Fargo that has been discharged. They prompted the bankruptcy and have been notified by the court, my attorney and me. In XX/XX/XXXX I sent a letter again asking for the statements to cease along with a copy of the discharge. I continue to receive statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my personal credit reports ( Equifax and XXXX ) with XXXX XXXX. This company is banned from collecting in my state as per the Federal Trade Commission ; Case XXXX XXXX XXXX ( 2014 ). I have mentioned this to the credit bureaus ( XXXX and Equifax ) in order for the collection to be deleted from my credit file and they have failed to do so.
Product: Checking or savings account

I hand wrote a will i have a safe deposit box there at bank of america to put the will in tried having it notorized my bank told me they dont notorize wills. I have had these accounts fkr years there. If i got proper id and member of bank i had a appoitment at XXXX XXXX  Why was i discriminated? I had proper id and my bank card yet i was refused service and im XXXX. Why? The same letter is in deposif box at my branch in XXXX XXXX mi XXXX. The manager refused me to be notorized. If i got proper id why would be refused to prove i signed anything? Why is my WILL there buisness??????
Product: Mortgage

I called Ditech to request an Escrow Analysis on XX/XX/2019 do to state tax exemption for XXXX persons. I was told that it would take 5-7 business days to complete. I called several times after the 7 business days and then I was told it was not processing and I would now have to wait 60 days prior to requesting a new Escrow Analysis. I live in Georgia and my state law requires mortgage companies to complete Escrow Analysis within 30 days.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, which has resulted in several unauthorized items appearing on my credit report. These include XXXX accounts and XXXX inquiries that I neither authorized nor initiated. These entries were added without my knowledge or consent. 

ACCOUNTS - XXXX XXXX - XXXX XXXX XXXXXXXX INQUIRIES- XXXX XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX I have already reported this identity theft to the Federal Trade Commission ( FTC ). I am requesting the prompt removal of these fraudulent accounts and inquiries from my credit report to ensure its accuracy.
Product: Credit card

XXXX XXXX XXXXComenity are charging to many late fees. Most reputable financial institutions will give customers up to XXXX eastern time to pay their credit card bill. XXXX XXXX XXXXComenity has the awful rule that you have to pay your bill by XXXX eastern time. do they not understand people work until then and can not be on a company 's computer or personal phone doing these things during work hours? or when you are rushing home stuck in traffic to get home to pay the bill and its 3 minutes pass the due date time its still considered late. then you call the company and ask them to reverse the late fee they only give XXXX dollars out of the XXXX dollars they hit you with a late fee. XXXX XXXX XXXX/Comenity should have their business revoked for these deceptive practices.
Product: Debt collection

I have received and loan dept collection notice regarding and loan dept from XXXX XXXX XXXX XXXX on XXXX XXXX regarding and loan dept of the amount of {$700.00} dollars. 
After XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has sent out the Power Of Attorneys Authorization to communication form to call and contact them regarding my loan dept with their creditor The Cash Store # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX and to them as well on XXXX XXXX to call and contact them directly as my Legal Deptment Management Program Power Of Attortney Record to direct all communication with them to settle dept loan payment and to cease and desist any communication with me regarding the loan dept. And XXXX XXXX Went to on XXXX XXXX sending and threating collection notice of loan payment to me instade of calling my XXXX XXXX XXXX XXXX to set up dept loan settlement payment arrangement with them to settle my loan account.
Product: Credit reporting or other personal consumer reports

This account is reporting late payments inaccurately and keeps coming back as verified and accurate when it is not. They are reporting XX/XX/year>, XX/XX/year> and XX/XX/year> as 120 days late and this is inaccurate. It should be increasing by 30 days each month is this was valid but it is not. I requested details of the investigation and received none.
Product: Debt collection

recently review a copy of my credit report and I realize that as a consumer Credit Collection Services is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. I have attached my ID to help identify me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX Discover Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Hello XXXX please provide me with the debt validation that includes the original contract. I have yet to receive any form of the original contract. Per XXXXXXXX XXXX XXXXXXXX you have willfully and non-negligently complying with the federal law by reporting inaccurate and invalidated information. Per XXXX XXXX XXXXXXXX ( f ) this is an act of unfair and deceptive practices by failing to provide and honor my demand. 
You have 30 days to respond to this issue. It has surpassed XXXX days and I still have yet to receive proper validation of this debt. Please provide me with the XXXX XXXX XXXX insurance number to proceed with this litigation process. I demand immediate deletion of this account. 


Discover Bank XXXX This account is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

this bank company is reporting negative, false, misleading wrong information on my credit report, they are reporting fraudulent information on my credit report..on experian they are reporting my account as a mortgage loan that has been charged off, and on XXXX its showing a charged off credit card, and this is far from the truth, this is a deposit account only, this was not a loan nor a credit card, this was a deposit account only, a place were i deposit money only. it appears like this on experian XXXX XXXX XXXX - XXXX and like this as on XXXX. XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/18 : Opened a checking account via a webpage promoting a {$300.00} bonus for opening the account after a a {$2000.00} deposits within 60 days. 

XX/XX/18 : Deposited {$5000.00} into the account. 

XXXX Spoke with a representative via chat who stated I needed to wait longer for the bonus. After further inquiry the representative stated my account had no promotion attached to it. Stated she was unable to resolve this issue. Refused to close the account. Refused to escalated to a superior.
Product: Debt or credit management

I paid Lexington Law office money to fix my credit and the never did it all came right back on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with idthef, fraud and false information since XXXX and its getting worse. I report to FTC and XXXX. dHS as well and recently Attorney General of MA. 
My credit report is like looking at someone elses information. I only opened a checking XXXX in XXXX XXXX and XXXX and both were taken over and i now have XXXX  XXXX. XXXX had information and i learned frok an email I could get back into ( it happens a lot, cybersecurity, like XXXX XXXX emais and XXXX card transit card but no one does anything ( Companies XXXX XXXX XXXX Cards loans ) whats teally affecting my life is this California Residency showing up everywhere I never been or had an adress there. Also XXXX and XXXX data transfers. i cant get a job.. my name is being used even in Movers guide changing adress and dmv sent XXXX duplicate Liscence to XXXX fake adress. Everything electronic I am not comfortable I like mail only at XXXX XXXX XXXX XXXX XXXX ma XXXX. It just goes back to XXXX XXXX XXXX XXXX XXXX pa XXXX and a California adress in which i saw papers when aplying for XXXX XXXX. They had california insurance in my name XXXX took off. California is everywhere and I write to every web for help and XXXX XXXX is helping me. Also new social sec and last name change is an offer. I cant have my own wireless plan and number because XXXX let someone use my identity 3 times. XX/XX/XXXX through XX/XX/XXXX when XXXX bill went to collections and XXXX XXXX I pay in which i am still under my fathers Account with XXXX. XXXX data breach, XXXX, XXXX  XXXX. XXXX, companies .. loans home loans
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy with all three bureaus multiple times. A bankruptcy is reporting on my credit report and these bureaus have not investigated with the reporting agency to verify this inaccurate information.
Product: Debt collection

I went to get a tooth pulled from XXXX XXXX of Louisiana. I received services and paid in full. Starting immediately after this visit an aggressive " follow up '' campaign began of weekly calls and texts stating I needed to make additional appointments for cleanings and such. I did make 2 additional appointments. Both times I PAID IN FULL!! The " follow up '' campaign continued for some time after that. Skip ahead to XX/XX/2021 I noticed a collection on my reports. I tried calling them to explain they had made a mistake that I had paid in full for ALL of my visits, they did not return my calls. I went into the office and this is when I discovered I wasn't in collection for failing to pay for services rendered, I was in collections because of a " missed appointment fee '' of {$75.00}. Long story short I reluctantly agreed to pay this bill because they said they would remove it. I paid it on the spot. XX/XX/2021. I waited a month and still no removal. I called the dental office and they stated again they would get it removed. I then disputed through equifax that I had paid this bill and its still reported as unpaid. The collection company " Tele Recovery of Louisiana '' told equifax that it was still unpaid! Even after a month of it already being paid! Is it even legal to put someone in collections over a debt they didn't know about? XXXX claimed to send invoices to an address I no longer lived at. Neither of these two entities bothered to call me and let me know I even owed this debt, before putting me into collections, even after all the harassing calls to make appointments. I am XXXX years old and have worked all my life to finally get to a place where I had a spotless credit report and this all seems malicious in its intent. Can you even be put into collections over a " missed appointment fee ''?
Product: Prepaid card

On XXXX/XXXX/16, I filed a dispute and was told I would get dispute form within XXXX hours. On XXXX/XXXX/16, I called because I still had n't gotten form. Was told to wait until XXXX/XXXX/16 and the number to fax form back would be on there. It was not on there when I received on XXXX/XXXX/16. I called and was given fax number. I sent form back and received confirmation. On XXXX/XXXX/16 I called to confirm, they say they still did n't receive and to refax. I sent again and on XXXX I called back and they claim they still did n't receive even if I had gotten confirmation back. I requested supervisor to call back because this was crazy. On XXXX still no call from supervisor, so I called backed. I put up such a fuss I was transferred to CSR Supervisor who informed me that the previous reps had been giving me the wrong fax number. I faxed to number they gave me and I also faxed the XXXX previous confirmation pages as well showing that I had been faxing just in case they say I did n't fax back within 10 days. Time still had passed and they claimed I did n't fax information back in time for provisional credit. They told me I had to wait 45 days for update. Now the 45 days have came and I still do n't have my refund or even a status update. I requested a Supervisor call twice and no Supervisor has returned my call. The reps are very unprofessional and wo n't even attempt to help me.