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

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my credit report. 
XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616 Civil liability for willful noncompliance [ 15 USC 1681n ] Also, some of the above accounts arXXXX XXXX  years old or older.. 
Texas and Federal Law *Section 16.004 of Texas Civil Practice and Remedies Code. 
THE STATUE OF LIMITATION ON A DEBT IN TEXAS IS FOUR YEARS *Section 392.307 of Texas Finance Code THIS SECTION OF THE LAW INTRODUCED IN 2019, STATES THAT A PAYMENT ON THE DEBT ( OR ANY OTHER ACTIVITY ) DOES NOT RESTART THE CLOCK ON THE STATUE OF LIMITATIONS. 
THE ACCOUNTS 4 YEARS OR OLDER MUST BE DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX  XXXX XXXX {$170.00} XXXX  XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$510.00} XXXX XXXX XXXXXXXX {$100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXXXXXX {$440.00} XXXX XXXX {$93.00} XXXX XXXX XXXX {$540.00} XXXX XXXXXXXX XXXX {$220.00} XXXX XXXXXXXX XXXX XXXX {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 15 U.S.C 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXXXXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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: Checking or savings account

I made a mistake on Sunday XX/XX/year>, and paid my XXXX Credit Card from my Wells Fargo Checking account, and not my XXXX XXXX  Checking Account. Monday morning XX/XX/year>, I noticed my account was overdrawn, and immediately transferred funds from XXXX XXXX to cover the payment. Because of the bank float, the transfer did not show up until Tuesday XX/XX/year>. At this point, the transfer showed as pending on my bank account, and the payment that I had made ( {$3700.00} ) was not showing at all, so my available bank balance was around {$4000.00}. Since I noticed the previous payment was not showing at all, not pending, no declined, it was completely removed from my activity, I called Wells Fargo to make sure I proceeded correctly to rectify my error. In calling Wells Fargo, on a recorded line, I was told that my payment was declined due to insignificant funds, and if I needed the payment to go through, I would need to make it again. I followed the advice from a Wells Fargo representative, and because this was now past my payment due date, I immediately made the payment to minimize any interest that would show up on my credit card. Later that day my bank balance was showing around {$500.00} as I anticipated. When I looked at my bank balance on Wednesday XX/XX/year>, my bank balance was again negative ( - {$3200.00} ). I immediately called Wells Fargo, again, to try and rectify this situation ( as I have other payments scheduled to come out of my Wells Fargo checking account this week ). I was told a claim would have to be made, and transferred to the claims department. There, I was told essentially there was nothing Wells Fargo could do, that I would have to wait 2-10 business days after the transaction posts ( they could not stop a pending transaction, seems like they should be able to ), and then I would need to call back to have them start the process of getting my money back in my account. As far as other payments due, I would have to transfer money from another account to make my account positive ( which isn't an option currently ), or I those payments would not be made. Wells Fargo told me they could not issue a provisional credit, and any penalties and interest on payments due that I could not make now are my responsibility. I am more than frustrated, that I followed the advice of a Wells Fargo representative, that I proactively called to specifically ensure this situation didn't happen. Furthermore, I am appalled at the lack of support or solutions that Wells Fargo provided to me, other than I have to wait and all penalties and interest on other payments are my responsibility, when I followed their directions to put me into this situation.
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. 

Account : # XXXX XXXX XXXX In the amount of {$550.00} Account # XXXXXXXX XXXX XXXX XXXX In the amount of {$2000.00} 15 U.S.C 2681 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 1681-2 ( 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 or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I have been paying off my student loans with Discover on and off for 5 years now since I left school. I 've had to deal with some medical issues which left me with big bills and with some unemployment. I also went back to graduate school for year, but ended up leaving. I 've tried to pay as much as I can every month. They have been charging me more than 10 % interest, even at times when the federal interest rate was 0 %. I 've looked at the chart they have on their website, and most months most of my payment is going to just the interest. When I miss a payment because of financial difficulty, it all gets messed up again and then somehow I end up paying all of my money towards interest for the next few months, until another financial emergency comes up and I miss another payment, and then they do it all over again. I recently realized that, even after five years, the balance left on my loans is still the same or higher than when I first borrowed it. I feel like a slave to this loan company ; like I will be making large monthly payments of {$300.00} or more to them for the rest of my life, because they have me trapped. It does n't feel right.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act Global Lending Ser 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 or other personal consumer reports

XXXX XXXXXXXX XXXX  inquiry date XXXXXXXX XXXX XXXXXXXX XXXX  inquiry date XXXXXXXX XXXX XXXX XXXXXXXX inquiry date XXXX
Product: Debt collection

I have been living in at my current address since XXXX see attached NY driver licensed issued XXXX. The lease provided by IQ Data is not mine and does not contain my information. This lease page provided by IQ DATA contain multiple names and is of no agreement entered in by me. I have reached out to the company, and they have no record of this account. The XXXX  address provided is not my resident, and it never was. i did not reside at the address on the document provided by IQ DATA. I do not owe this debt please remove. You have the wrong person. i do not owe anything for move out as i have had the same address for over 10 years. i was living at my current address when this lease was created. 
The first page of lease agreement provided by IQ DATA in XX/XX/year> to my home in XXXX does not even contain my NAME or address of over 10 years ( Attached ). Additionally, the lease agreement contains no monetary amount. The documents sent to me does not validate this debt therefore This debt has not been validated and must be removed immediately. account # XXXX IQ DATA has continued to report the collection and has placed the collection on my credit report. I did not sign this lease and have provided evidence supporting my claim. The evidence included documentation of identity theft, a police report and proof that the NAME and address listed on the lease agreement provided by IQ DATA INTERNATIONAL , INC does not correspond to me and my residence of over 10 years.
Product: Credit reporting or other personal consumer reports

The web interface for wells fargo keeps saying I have late fees and keeps not updating my payments to autopay even after stopping the pay stops from my other bank. I missed a payment due to Wells ' Fargo web user interface not being the friendliest. I plan to keep filing complaints every day until someone at Wells Fargo helps me to fix my credit. I will keep submitting these constantly and consistently until someone hears me out. I never miss payments until this issued happened on this banks ' website. I am trying to be able to afford a home in this crazy economy so forgive my persistence to get this credit fixed. Thank you in advance.
Product: Credit card

On XX/XX/XXXX, while on an XXXX XXXX, I purchased a watch and some jewelry at a store named XXXX XXXX at the port of XXXX, Alaska. The store offered to put the transaction by opening a Wells Fargo credit card with XXXX interest for 18 months. There was no mention or discussion of interest after the 18 month period. I agreed to open this credit card ( XXXX XXXX XXXX  XXXX XXXX XXXX ) for a total sum of {$12000.00}. I have been paying off {$420.00} every month since then as was required by the bank. The balance of this account came to {$4400.00} as of XXXX of XXXX. XXXX and behold, I see on my recent Wells Fargo credit card statement of XXXX, XXXX, a charge of {$4800.00} as 'Interest Charge on Purchases '. Alarmed by this huge interest charge, I met with my banker at the Wells Fargo branch ( XXXX XXXX XXXX XXXX XXXX XXXX, NV ) on XX/XX/XXXX. I offered to pay off the unpaid balance immediately and requested them to remove the large interest charge. He refused to remove the charge despite the fact that I have substantial amount of deposits ( in excess of {$100000.00} ) at the bank. I submitted a written request which he sent to the corporate office. But no response yet. 

The interest charge is outrageously high and is far beyond any consumer credit loans. The math did not make any sense. Moreover, Wells Fargo did not notify me that they will add this large interest charge contrary to the way sent me a 'monthly ' reminder of payment of {$420.00}. This is a very deceptive practice that they send reminder for monthly reminder of {$420.00} but did not care to inform me that they will charge me {$4800.00} as interest charge. Had I received a similar courtesy reminder, I would have immediately paid it off to avoid the interest charge because I had more than enough money at my various Wells Fargo accounts. 

I request you to investigate this dubious or inconsistent practice of communicating with the customers that end up substantially costing the customer and have Wells Fargo remove this interest charge of {$4400.00} on a credit balance of {$4400.00}. 

Thank you.
Product: Student loan

UHEAA ombudsman employees have been applying all principal payments to my interest and unaccrued interest which is incorrect, changing expected payoff dates to XX/XX/XXXX in which all four loans expected payoff dates should be 36months/ year XX/XX/XXXX, illegally deleting each indivual monthly payments ( paid towards principal balances ) ( All interest owed was paid off ) ( UHEAA ombudsman added/ applied all interest back towards all four principal balances knowing that borrower had paid off all the accrued interest applied to all four loans since XX/XX/XXXX ( Unsub/Sub loans ) and XX/XX/XXXX ( Unsub/Sub ) at 6.8 %. Combined four loans total should be XXXX and not over 10k when all monthly payments are doubled and unacurrued interest is added into my monthly payments. Overage payments are to be applied towards principal balances not applied towards interest. Interest should not be higher then principal payments unless I missed payments. I have never missed nor Ben late on monthly payments. When I informed UHEAA of the countless errors they are making, in response to my complaint the errors would be corrected on each of my four loans, instead they apply unacurrued interest calculating from expected payoff dates XX/XX/XXXX and applying it towards all four loan balances. Illegally changing dates, moving monthly payments around to other loans. One balance higher then the other they would go in and remove payments that have been applied or applied incorrectly and apply it to another loan with a small payoff balances ; then turn around and add more unacurrued interest to all four loans again.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, XXXX, and XXXX for their failure to remove old, outdated, and incorrect information from my XXXX XXXX Despite multiple attempts to rectify the situation, these XXXX XXXX XXXX have continuously neglected to update my personal information accurately, causing significant distress and XXXX XXXX to my creditworthiness [ XXXX ]. 

The inaccuracies in my XXXX XXXX include multiple addresses, outdated phone numbers, and incorrect employment details that do not reflect my current situation. This misinformation not only portrays me inaccurately to potential lenders but also creates unnecessary XXXX and XXXX  due to the constant need to address these errors repeatedly [ XXXX ]. 

I have provided these agencies with my correct and up-to-date information, including my current address, employer, and phone number. However, they have failed to make the necessary corrections, despite my clear instructions and demands for immediate action. 

The lack of action on the part of Experian, XXXX, and XXXX is unacceptable and has the potential to have severe consequences on my XXXX XXXX. I have already expressed my frustrations and concerns to these agencies multiple times, but their continued negligence and incompetence have left me with no choice but to escalate this matter to the highest authority possible. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that Experian, XXXX, and XXXX comply with the Fair Credit Reporting Act. It is crucial that these agencies rectify the errors on my XXXX XXXX without further delay to prevent any further damage to my creditworthiness and financial stability.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I Was Charged For A Balance Transfer, By TD Bank, That I Did Not Approve. Plus The Fee. The Total Amount Is : {$2300.00}. This Transaction Was On XX/XX/2022. This Fraudulent Theft, In Addition To The Amount, That I Have Listed, In My Previous CFPB Complaint # XXXX Of {$2400.00}, Will Make The TOTAL That TD Bank Scammed From Me Is : {$4700.00}. My TD Credit Has Been Locked.
Product: Mortgage

Upon taking out a loan on my home, I was not informed that my fixed rate would change to a variable rate. It was done without me being informed or my consent. This happened around XXXX to XXXX. It has made it a great hardship for me as it made it difficult and even harder for me to come up with the payments. This hardship has also caused me to file for bankruptcy in XXXX. This has brought me great grief!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc. ) due to inadequate customer service And unfair practices which violate the consumer financial protection act ( cfpa ) pacifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with the error resolution requirements under the electronic fraud transfer act ( efta ) and regulation e these actions have called significant inconvenience in financial loss and I seek appropriate redress for these violations
Product: Checking or savings account

JP Morgan Chase has charged me over XXXX of overdraft fees this year. They have structured and held items to maximize the amount of the fees. I have had some family and health issues that have caused my account to dip this low but I still have a good direct deposit coming in every month. I pleaded either them for a third of the fees to be waived which would still leave them with approximately {$2000.00} in fees raked in on the year from my account. They would not waive a single fee for me which just plunges me deeper and deeper into the hole.
Product: Credit reporting or other personal consumer reports

On XX/XX/2020 I called all three Credit bureaus. I notify them that that was information my credit report regarding medical bills that were not mine. I spoke to the fraud department of all three girls and they advised me to call the creditor because they were not going to remove it without consent from the creditor.