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

XXXX, Equifax, and XXXX is committing FRAUD and they've failed to remove the inaccurate accounts on my consumer profile which is causing me harm, stress, and damaging my consumer profile. 

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 : # XXXX - XXXX XXXX : # XXXX - XXXX XXXX : # XXXX XXXX have 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 items of information, other than records of convictions of crimes which antedates the report by more that seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The information listed above appears on my consumer report but I did not make or approve of these transactions. 

Equifax, XXXX, and XXXX are also committing FRAUD because according to 15 USC 1681a- ( 2 ) ( i ) - ( Exclusions ) Transactions are to be EXCLUDED from my consumer report. 

Please also remove the accounts listed above from my consumer report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act REQUIRES you to remove the INACCURATE and FRAUDULENT information on my consumer report, resulting from Identity Theft within four business days and to promptly notify the businesses that sent you that information. 

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

As stated above, please delete all inaccurate accounts immediately. 

I have enclosed a copy of the accounts listed above, highlighted with the inaccurate information from XXXX XXXX that's being reported on my consumer report, and an identity theft report.
Product: Debt collection

THIS CREDITOR OR DEBT COLLECTOR IS REPORTING ON MY CREDIT TWICE!! IHAVE SENT THEM A DEBT VALIDATION LETTER AND THEY HAVE NOT RESPONED. ACCORDING TO THE FCRA AND THE FDCA IF THE DEBT COLLECTOR OR CREDITOR DO NOT RESPOND NOR VALIDATE THE DEBT IT MUST BE DELETED FROM MY CREDIT REPORT ME AND ME LEGAL TEAM WILL BE SEEKING REMEDY DAMAGES UP TO {$1000.00}. ATTACHED IS THE VALIDATION LEETER I SENT WITH THE INFORMATIKON I REQUESTED.
Product: Credit card

On XXXX XXXX I paid my full balance off on my AAA Comenity Bank XXXX XXXX $ XXXXmy next statement showed an interest charge of XXXX .I called Comenity and they advised that the interest was charged on XXXX have the name and time and date they told me this.I told them my statement shows full payment received by them on XXXX asked them to investigate and adjust the interest to XXXX XXXXThey advised if I did not pay the interest I would be charged a late fee for each month that passed while they were investigating .I also contacted AAA since I have been a 50 year member and the agreed to contact Comenity on my behalf.As of today XXXX they are also being put off by Comenity saying they are investigating.The payment due date for the interest in question is XXXX after which Comenity advises i will be charged late fees
Product: Debt collection

Received threatening letter stating that the collection agency would consider going after my tangible assets for an old medical bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXXXXXX XXXX XXXX-Balance $ 2,210-Date Opened : XX/XX/2016 XXXX
Product: Credit card

On XX/XX/, I'd sent a letter to Chase about a denial application. I had asked isn't my application a promissory note? Which means you are committing securities fraud. Because you can take my application and can sell it to a third party, so I should not be denied. I had also told them that I'll be filing a claim. XX/XX/, I received a letter from the to call them to confirm the application was done by me. Next I called and my application was accessed even though they said I was denied being that my credit was bad. Then I'd received a credit card.
Product: Credit card

Back on XX/XX/XXXXXXXX  I had closed out my JCPenney account. I spoke to a customer service representative who gave me the " full & final '' payment of {$2000.00}. I received a letter from the company with said TOTAL amount that I owed and paid it off on XX/XX/XXXXXXXX I hadn't made any purchases since XXXX XXXX on this card. I just received an email that I still owe {$25.00} for " interest ''. I tried calling the company to have this matter straighten out, to no avail. I don't believe that I owe this money and would like the matter to be looked into.
Product: Debt collection

The debt was included in bankruptcy case # XXXX. 
Contacted original creditor about debt and it was settled however a new collection agency is now reporting the debt.
Product: Credit card

I am unable to dispute any charges on my credit card. There is no option on the website. I am extremely XXXX and this is ridiculous.
Product: Checking or savings account

Wells Fargo refused to answer our legitimate question ( XXXX ) to verify a deposit made into our joint XXXX  savings account. 

Question 1 : Did Wells Fargo make this deposit? 

Date : XX/XX/XXXX Amount : {$980.00} Company Name XXXX XXXX XXXXXXXX XXXX ID : XXXX Customer Name : XXXX, XXXX & Customer ID : XXXX Trace : XXXX Bank of Origination Name : WELLS FARGO BANK NA XXXX XXXX Bank of Origination Phone Number : XXXX Additional Questions : " We understand from your concerns that you received a deposit in your account at XXXXXXXX XXXX  from a Wells Fargo bank account and would like it to be verified. We reviewed this matter and found that you do not have authority over any accounts relevant to the concerns that you shared. '' 2. What does Wells Fargo mean when they stated " you do not have any authority over any accounts relevant to the concerns that you shared ''?

3. Wells Fargo needs to identify the statute that states my husband and I as signers of our own joint XXXX savings account do not have the authority to verify deposits made to determine if such deposits are legitimate and from the appropriate account of the issuer? 

4. Wells Fargo is making the assertion that I am not a signer of the joint XXXX savings account. " However, for security and confidentiality reasons, we are unable to provide you with any information concerning an account on which we do not show you are listed as an authorized signer. '' Please see attached signature card. 

5. Is Wells Fargo authorized to issue refunds on behalf of the XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX? 

XXXXXXXX XXXX has updated my name as signer to XXXX XXXX. Our XXXX XXXX XXXX indicates my marital name. See attached marriage certificate. 

Please respond in writing. We do not want to be called on the phone.
Product: Debt collection

XXXX just showed up on my credit report for {$740.00} dollars for back in XXXX. 2018. I already moved to XXXX in XXXX of 2018. That debt is not mine nor did I go there for medical attention. I already had moved.
Product: Student loan

I received a voicemail with opportunity to resolve my student dead in the voicemail. They talked about me getting my loan forgiven as an option. When speaking with them and I asked about loan forgiveness based on the predatory practice of my school, said there was no such application for that.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX XXXX  : XXXX Address : XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX  XXXX TransUnion, XXXX XXXX XXXX XXXX : XX/XX/XXXX URGENT MATTER I intend to challenge a dispute with an FTC report for XXXX items listed below as Fraudulent. Please remove all from my credit report. 
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. 
Items listed above have 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 XXXX : 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 XXXX years. 
15 U.S.C. 1681s-2 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove Fraudulent Account listed : XXXX XXXX  ( XXXX ) Opened : XX/XX/XXXX, Balance : {$2700.00}, Payment status : Collection Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX FCRA XXXX Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA XXXX XXXX XXXX XXXX. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within XXXX  days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX h

as violated my rights. 15 USC 1681 Section ^02 States I have the right to privacy. 15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditors may not treat a payment on a credit card account under an open consumer credit plan as late for card purpose.
Product: Debt collection

Couple of month ago I checked my personal credit report and I found out that Portfolio Recovery Associates , LLC aka, " Portfolio '' has reported collection to my credit report. Account # XXXX. This is the first time I found out about collection existence. Immediately - on XXXX XXXX, 2015 I wrote a letter which was sent via US Certified Mail # XXXX XXXX XXXX XXXX XXXX ( you can see the proof of delivery on USPS website ) with Proof Of Service by Mail. I requested : 1. Validation of Debt with all proof copies and 2. I informed Portfolio about how they reported collection to the credit report if they never inform me in writing, but if they did then I requested the copies of these letters. ( Representative from FTC informs me that all collection companies must to inform client in writing 30 days before they report collection activities to my credit reports, this is law ). So, on XXXX XXXX, 2015 they sent me a letter with copy of couple of pages " Bank Statement '' with 1. Not my name on it, 2. Not my Address on it and 3. Not my signature on it. Immediately - on XXXX XXXX, 2015, I sent second letter via Certified Mail with Proof Of Service by Mail # XXXX XXXX XXXX XXXX XXXX back and I inform them that all information that Portfolio sent me is not mine and this is NOT a Validation of Debts. I told them that I believed this is may be the ID theft. One more time I requested a copies of letters with Portfolio sent me 30 days before they filed this collection to the credit bureaus. Couple of month later I still do n't have any more proof from the Portfolio. This company has no legal right to collect one dime. 

Now, I am filing the complaint because of I would like to inform that Portfolio is doing fraud and this company should not be existed. Also I would like to request help from your company. 

THIS COMPANY IS IN VIOLATION OF THE FAIR DEPT COLLECTION PRACTICES ACT BY THE USE OF MISLEADING REPRESENTATIONS AND UNFAIR AND DECEPTIVE PRACTICES IN THE ATTEMPTED COLLECTION OF AN ALLEGED DEBT. THIS COMPANY MUST STOP TO REPORT COLLECTION AND MUST TO DELETE COLLECTION FROM CREDIT BUREAUS AND MUST CLOSE THIS ACCOUNT AND MUST TO RETURN THIS ACCOUNT TO THE ORIGINAL OWNER WITH OUT SELLING OR RE-SELLING. 

All communication must be in writing only. I do n't want to speak with collection who may lie later by adding something that I never pronounced. 

I hereby authorize the release of any financial information from this company to CFPB to assist in this resolution process.
Product: Checking or savings account

In 2015, I opened an account with Chase Bank. I also joined a business venture with a friend. For total transparency in the business, we agreed that the proceeds from the business would go into my bank account. Chase placed a fraud alert on the account. 

I was later arrested for an unrelated incident and completed 8 years in jail. Because of my absence, I could not provide an immediate resolution through communication with Chase, in-person visits, or any other method they deemed acceptable. When I was released in 2021, I attempted to resolve but was advised the funds were sent to the XXXX XXXX XXXX XXXX XXXX XXXX. After many unsuccessful attempts, I was able to confirm that they were not and the funds were still in the possession of Chase.

Chase is now asking for proof that I was associated with the business. This does not exist because I made a handshake agreement with the business owner and my name does not appear on any documents that existed before that agreement. The owner has visited Chase alongside me to confirm this. 

It has been discovered that while it is not best practice to utilize a personal account for business transactions, it is not illegal. In 8 years, there has been no attempt to recall the funds from Refund Advantage ( the company that the deposits came from ) or any other claim that would create suspicion of fraudulent activity. Chase has decided to simply hold the funds with no reasonable option for me to claim legitimate earnings. There was no illegal activity and I have validated my identity, the source of the funds and other parties involved have as well. I would like a resolution that offers a release of the funds that have been held for this extended period, plus interest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I have tried to dispute the debt of {$2300.00} from Allstate Credit Bureau from my credit report. This is not my debt. I have attempted to contact the agency and was unsuccessful. This debt does not belong to me and I want it removed from my credit report immediately before pursuing any further actions.
Product: Credit card

PNC Bank credit card payment of {$1300.00} was due on XX/XX/year> out of which {$500.00} was paid on XX/XX/year> and balance {$890.00} was paid on XX/XX/year>. On my recent statement I was shocked to see interest charge of {$86.00} for not paying complete amount on the statement. They have charged interest on {$4700.00} and when I have asked XXXX different people on phone call no one had proper response and all they said is this is the interest you have to pay and it can not be reversed. 
During the same period, I had done the same thing on another credit card from XXXXXXXX XXXX against total charges of {$940.00}, I paid {$200.00} before due date of XX/XX/year> and paid balance {$740.00} on XXXX which is 2 days late but they have not charged me any interest on my recent statement. 
I am of the understanding all these interest charges are governed by XXXX regulations and this is the reason for my complain. Why is PNC Bank charging me interest not on the balance which was 3 days late but 6 times higher amount while XXXXXXXX XXXX has not charged any interest at all.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX Account XXXX : XXXX XXXX Account XXXX : XXXX
Product: Debt collection

I never received information from the company. I recently tried to contact them and I can not find information on the company or where to locate them. All I know is that a lawyer has been contacted and decided to come after me rather than try to resolve this with me. I have not been able to find the law firm either so I currently do not know what to do because their tactic are horrible.
Product: Student loan

Since I began paying on my student loans I've been on different versions of income-based repayment plans. All I wanted to know was to pay the lowest amount but ensure that the payments were eligible for Public Service Loan Forgiveness ( PSLF ). 

As I attempted to recertify for my repayment plan I was notified that I wouldn't be accepted into the Income-Based plan because my income was too high. I was told I could keep my current payment, just under {$200.00} per month or I could change to the standard repayment plan and pay about {$160.00} a month. Both plans are eligible for PSLF and i pointedly asked the MyXXXX Rep why should I continue paying the {$200.00} instead of switching, he said it didn't make sense to stay on the {$200.00} payment. 

My concern isn't with anyone I spoke with yesterday, but how long have I been eligible for lower payments without ever being notified? Could I have been putting the extra {$45.00} a month to go towards paying off my private student loans that aren't eligible for PSLF?
Product: Money transfer, virtual currency, or money service

XXXX XXXX and XXXX XXXX claimed to be leasing agents saying if I paid the {$3200.00} I would get keys to the apartment at the XXXX  XXXX XXXX XXXX in XXXX. After I paid the money I never got the keys
Product: Credit reporting or other personal consumer reports

Several disputes have been mailed out to XXXX, XXXX and Transunion and they are not investigating or responding back, and I will like this investigation to be done asap. 

All of my dispute requests have been ignored. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so it is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. I want the derogatory accounts deleted. 

My file is attached for your review.
Product: Checking or savings account

I have been with Wells Fargo for over 11 years. During this past year I encountered a lot of difficulties. At times Wells Fargo held on a check causing me to have my rent check bounce and then costing me additional money to pay my landlord. Recently while I was on unemployment, Wells Fargo adjusted the charges on my account and it led to me having more overdrafts, totaling over {$1000.00} in under 1.5 months and over {$2000.00} for the year. Other times I put in money and was told I put the money in too late and was assessed overdraft fees despite my account being in the positive before the system worked. I recently asked to get some of the overdrafts waived but within an hour half the overdrafts reappeared making it harder for me to catch up. Afterwards, I was told to go to a branch and ask a branch manager for more help. Due to the situation, I am unable to pay rent for the next month and am at the risk of being evicted from my apartment.
Product: Checking or savings account

There. Was. And. Is. A. Fraud. Charge. Transaction. That. BofA. REfuses. To. Help. To. Resolve. Issue. And. Credit. My. Acount. With. Reference. To. These. Fraud. Charges?
Product: Student loan

I have never missed a payment and have been in good standing, despite staggering loan amounts and questionable forbearance practices by my lender that caused my loans to balloon well beyond their normal value. 

Going from 8.99 % to 15 % in a matter of a few months is ridiculous and also coincided with weekly mailers trying to urge me to use Navi-Refi . It seems like they jacked my rate as high as they could in an effort to get me to refi so they could cover their risks of canceling my loans. Had I met the default criteria, my loans would have been discharged as a part of the multi-state settlement from litigation over forbearance practices and other questionable behaviors.

All of this aside, I tried to go through the proper channels to get a rate reduction, but I was denied because that wasnt available at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I applied for re-financing with my current mortgage company at my current residence back on XX/XX/2020. It has been one delay or surprise after the other and often I am the one doing ALL the follow up. Delays include documents going into someones spam ( or so they claim ), them trying to push the responsibility of finding HOA documents on me, delayed and/or inconclusive responses to my email inquiries and also big surprise half way through the process that my mortgage is being sold before I close. I won't go into too many more details here but I have many emails documenting my claim.

It has been almost 60 days now and my life has been in the balance. I haven't been able to make any major purchases, takeout a new credit or other for going on 5 weeks now plus all uncertainty and during this time is is causing me a lot of grief and stress.