23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

The purpose of this complaint is to expose how First Niagara Bank covertly charged " analysis service charges '' to its customers as a predatory tactic after acquiring XXXX banks in XXXX. These charges were not agreed to between the lender and its new acquired customers nor were customers notified of this change. 

On XXXX XXXX, XXXX, First Niagara Bank acquired XXXX XXXX bank branches in upstate NY affecting XXXX households. I was using XXXX as my bank for my business account at the time. 

From XXXX XXXX through XXXX XXXX, First Niagara Bank charged my company over {$3700.00} in analysis service charges. These charges were not part of my original XXXX account agreement and I did not agree to pay these when the bank was acquired. 

These fees are predatory in nature and a tactic used by First Niagara to make the former XXXX banks more profitable and justify their acquisition costs ; these fees created additional financial surplus at the expense of the customer. Further, customers were not given sufficient time to find a new bank or given the opportunity to move their business with a notice of the new fees. 

I have made several attempts to address this issue with my local branch, but was told that they could not help me. I have also contacted First Niagara Bank and met with a regional representative. Several months have passed and the Bank has ignored my complaint. 

Had I been given notice of the fees, I would have immediately moved my business to another bank as I did not agree to the " analysis service charges '' when I opened the account. However, by the time I discovered that I was being charged, I was not in a position to change banks. My business was in the startup phase, which made it too risky to split revenues and pay vendors out of XXXX accounts. 

I hope that this complaint will be taken seriously and the situation rectified. Additionally, I believe that this issue should be escalated to a class action complaint for all XXXX families who were negatively affected and who did not agree to pay these fees when the acquisition occurred. First Niagara was opportunistic at the expense of their new acquired customer base and bank customers must be protected against predatory fees when an acquisition occurs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled bankruptcy in XX/XX/XXXX I did not include my mortgage in the bankruptcy. I have been on time and have not missed any payments. I did not reaffirm the loan. My mortgage company Wells Fargo has not been reporting my payments to the credit reporting agencies or has reported it as included in the bankruptcy. I have been in contact with them multiple times in the past week and they have refused to correctly report the information because I will not reaffirm the loan. My attorney has advised me against reaffirming the loan as it is not required and by per my attorney the credit reporting agencies should be receiving my updated payment information. The last payment Wells Fargo has reported is XX/XX/XXXX.
Product: Debt collection

I have never received any letter from them stating that I have a medial debt. They have never called me. They have never emailed me. My doctor 's office has never called me regarding a bill not being paid. I absolutely Do NOT have a contract with Collection Service of Athens. 
I have asked for verification of contract and I have not received any response at all. 
I am disputing this debt to the fullest extent of the law. They have also added it in my credit report and are causing all XXXX of my credit reports to go down significantly. 
Last Reported XX/XX/XXXX Collection Agency COLLECTION SERVICE OF ATHENS Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$270.00} High Balance {$270.00} Remarks Medical
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, a collection account with Convergent Outsourcing was opened, referencing a debt originally owed to XXXX XXXX. The account was fully paid and closed as of XX/XX/XXXX, yet it is still being reported on my credit report, which is unfairly impacting my credit score. 

I never had a direct contract with Convergent Outsourcing, and there was no agreement made between myself and the debt collection company. Despite the account showing as paid and closed, it continues to appear on my credit report, which is inaccurate and harmful. 

I have taken the following actions : Paid the balance in full as of XX/XX/XXXX. 
Verified the status with XXXX XXXX that the debt was resolved. 
I am requesting that the Convergent Outsourcing account be removed from my credit report as I never directly contracted with them, and the debt is fully resolved. 

Please take immediate action to have this account removed from my credit file, as the continued reporting is damaging my credit unfairly. ( Account XXXX )
Product: Credit reporting or other personal consumer reports

Pursuant to the FAIR CREDIT REPORTING ACT [ 15 USC 1681S-2 ] it is PROHIBITED for a financial institution to furnish Negative Information about a consumer to a consumer reporting agency without providing such notice in WRITING to a consumer of such furnishing of Negative Information 30 days prior or after furnishing Negative Information to a consumer reporting agency. I swear under the penalty of perjury that I have never received the required notice in WRITING from the financial institutions that are furnishing Negative Information about me to consumer reporting agencies. The consumer reporting agencies ( XXXX AND EXPERIAN ) are furnishing this Negative Information on my credit report and have responded to me and stated the information has been Verified when I sent in a dispute letter notifying them of the violation of my consumer rights. 
A consumer reporting agency could not have used reasonable procedures to ensure maximum possible accuracy of the information they are furnishing about me and VERIFY information that has been illegally furnished to them about me. According to the FCRA this action falls under [ 15 USC 1681n ] or [ 15 USC 1681o ] and it is damaging to me. My request as a consumer exercising my consumer rights has been to DELETE all the negative information from my consumer report and to UPDATE all Late Payments to PAANL : PAID AS AGREED NEVER LATE.
Product: Debt collection

i am enclosing to resurgent a copy of the original affidavit sent to XXXX XXXX back in 2022
Product: Money transfer, virtual currency, or money service

Cash app will not release my {$100.00} securitys deposit from a hotel stay when I was told from cash app through there chat to get a bill with {$0.00} balance and a email confirmation on the deposit witch I did they keep saying talk to the hotel and it will take XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Credit Reporting Agency has made it difficult for a consumer to dispute erroneous information on a credit file. I am requesting a reasonable investigation regarding the following information being reported in my credit report/file : ************************XXXX-Credit Report FILE NUMBER # XXXX XXXX XXXX XXXX XXXX -- -- C/O XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX Acct # XXXX -- Amount Disputed -- XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

2- XXXX - XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX XXXX and XXXX seem to be the same erroneous account being reported TWICE. 

I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

3- XXXX XXXX XXXX # XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX ( XXXXXXXX ) XXXX Placed for collection : XX/XX/2016 XXXX ( Cable/Cellular ) Past Due : > $ XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

*******************XXXX CREDIT REPORTING AGENCY I AM DISPUTING THE SAME ( 3 ) ERRONEOUS INFORMATION/ACCOUNTS AS BEING REPORTED BY XXXX  AND I AM ATTACHING A COPY OF A RECENT CREDIT FILE WITH THE RELEVANT INFORMATION THAT IS BEING DISPUTED. 

1- XXXX XXXX, XXXX, AND XXXX XXXX XXXXXXXX THAT XXXX IS REPORTING IN MY CREDIT FILE. 
I have no recollection of this alleged accts and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

XXXXEQUIFAX CREDIT REPORTING AGENCY I misplaced the recent credit file and the ( 3 ) same erroneous accounts also appear in my Equifax credit file. If Equifax can not or chooses not to conduct an investigation of the same ( 3 ) accounts that are being reported by XXXX and XXXX, then I request for a copy of my credit file be sent by email to XXXX or by regular USPS to my current mailing address. I attached a copy of my ID and a recent utility bill with the address where I been living for the last ( 4 ) years.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and XXXX XXXX XXXX XXXX XXXX XXXX XXXX it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXXXXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX HAVE SENT NUMEROUS OF LETTER TO ALL THREE BUREAUS WHO REFUSE TO CONDUCT A PROPER INVESTGATION TO THESE NEGATIVE & INNACURATE ACCOUNTS REPORTING ON MY CREDIT. THEY WILL COMPLETE THE INVESTIGATION IN 2-3 DAYS SAYING VERIFIED WITH NO PROOF OF HOW THESE ACCOUNTS WERE VERIFIED. XXXX HAS SENT ME NUMEROUS OF LETTER INDICATING THAT THEY WILL NO LONGER COMPLETE AN INVESITAGTION BUT WILL REFUSE TO EXPLAIN HOW THEY VERIFIED THESE ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom put me as a authorized user onto her XXXX XXXX XXXX but I didnt know or ask I wasnt aware so with that being said she fell behind on her card and its causing my scores to drop significantly I would like to be taken off as a authorized user and correct my scores please
Product: Credit reporting

I did a dispute on XXXX XXXX and I was told that it would take 30 days. 
I did another dispute on a totally different item on XXXX/XXXX/2016. I am now being told that the XXXX XXXX dispute will not be completed until XXXX/XXXX/2016 because they received another dispute during that time. This is unacceptable. The FCRA says that the CRA have 30 days to complete an investigation. If they can not complete this by XXXX/XXXX/2016, they should delete it. Enclose is the statement where they said it would be completed on XXXX/XXXX/2016.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$320.00}. These account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the collection, or hard inquiries as reported. The aforementioned collection, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collection, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit collection, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received XXXX calls from the number listed on the official Wells Fargo website ( XXXX ). The first I did not pick up, but when I picked up the second time, the agent claimed my funds were at risk of being stolen. In order to protect them, I immediately needed to wire transfer my money to a secure Wells Fargo account. 

On the same day, I returned a call to Wells Fargo and was informed that the transfer was fraudulent. On that same call, I filed a claim and was told a reverse wire would be requested upon my submission of the claim. 

The fraudulent transaction robbed me of my entire savings and checking accounts. They informed me that the case would would be resolved in XXXX days, and that I would receive a call the evening of the XXXX to discuss the case. I did not receive a call that evening, and I called the number they provided for me ( XXXX ) on XX/XX/XXXX. No one answered. I called again on XX/XX/XXXX and was told that XXXX of my reverse wire transfers was only submitted today ( on XX/XX/XXXX ). My call on this day was transferred back and forth between the Wells Fargo customer service extension and their fraud extension with the intention of receiving more information, but I was told I would need to wait the full XXXX days before receiving more information on my case.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I had became an authorized user on a XXXX  XXXX account my score was XXXX equifax in XX/XX/XXXX my score drop XXXX points and it say that the score drop due to me being removed from a capital XXXX account for 5 months I been trying to get this issue resolved my other XXXX credit reports are reporting fine from XXXX  XXXX and XXXX  XXXX equifax is not showing anything and is saying I was removed from XXXX  XXXX which is incorrect from XX/XX/XXXX to XX/XX/XXXX XXXX still an active XXXX  XXXX member for my own account as well as the account that Im listed on as an account XXXX with full access
Product: Debt collection

While attempting to refinance my home the title company has come across XXXX liens on my property that appear to be filed by the collection agency to collect a debt that was not my debt originally. Thus debt tagging is what appears to be taking place. I have notified them directly to assist with taking care of this illegal practice. 
I have also attached the documents that I have submitted to them directly. 
I had an incident in XX/XX/XXXX from XXXX collections to try and collect a debt that was not mine. In all instance our names are similar.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do n't have a clue who this account belongs to and why the heck it 's on my credit report. Please do n't use your bogus tactics purchasing accounts and placing them on my credit, your seriously breaking the law right here. I am challenging you to show me proof of the verification process. You must report 100 % accurate verifiable information.You are clearly violating the law in this case according to The Fair Credit Reporting Act. 609 requires proper verification according to established case law involving the credit bureaus so there you have please remove this account within 24 hours or I will go down to the court house and file a case on you real fast. I do n't play no games with my credit. It better be off my credit by XXXX XXXX, 2017 Wednesday to avoid court fees and civil case. 

1. TransUnion 2. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days I filed a 30 day demand to comply with the credit bureaus and still have yet to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to correct my personal information on file with the company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/XXXX. I do not wish to have any telephone numbers on my report. Below are the negative accounts impacting my credit : XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with XXXX  three times and nothing has been sent to me proving the validation of this account. It has been over 120 days since the first letter was sent i send a new one each 30 days and still no response. 
I have also disputed with both XXXX and Experian and they still fail to provide me with adequate information or documentation of validation of this account. PLEASE REMOVE THIS ACCOUNT FROM MY REPORT IMMEDIATELY as all of these companies are violating my rights and refusing to help solve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here 's what happened : 1. On XX/XX/2022 I sent a NOTARIZED FTC ID Theft affidavit, Copy of my ID, Police report number, proof of address, and a letter to Experian via certified mail tracking XXXX 2. The fraudulent account was XXXX Account XXXX. It was identified in the letter. 
3. Experian received the mail on XX/XX/2022. From what I read online, Experian had 4 days to review the ID Theft Affidavit, send it to XXXX, and then block the account from reporting. 
4. Also from what I read, XXXX was suppose to closed the account, investigate it, and stop reporting it but that did not happen. 
5. I received an email from Experian on XX/XX/2022 ( far beyond the 4 days ) stating that they were not going to honor my Notarized ID Theft report for a bunch of reasons that aren't listed in the ID Theft information that I found online. 
6. I found this on FICO 's Forums : FCRA 605B explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report. 
The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

7. None of those were the reasons Experian listed in their response to me. 
8. XXXX closed my account and marked me 12 months late thus damaging my credit score and report. 

All of my ID documents are attached and Experian 's response. This very stressful and is keeping me from purchasing a new home!! Please Help!
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX continue to report incorrect information on my consumer report. My name and address is incorrectly reporting and I previously disputed this same information and they stated they remove it but I paid for a copy of my consumer report and the information still appears on the report. I have provided proof of my identity and residency to prove this information should not be reporting on my consumer report. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card

I was a victim of identity theft, My drivers license, Social Security card were stolen years ago out of my car while working out at a 24 hour fitness gym in XXXX California. 

The local authorities were dispatched a report was taken of the incident. I immediately proceeded to my bank to close all accounts, As I reach the teller I was advised by security that a man was trying to cash a check which were one of the items that were stolen out of my vehicle. 

Moving forward I noticed there were a few unauthorized accounts on my credit report that I have no knowledge of opening. Furthermore I've contacted all three major credit bureaus requested the incorrect information to be removed. 

I also contacted the creditor Wells Fargo bank and initiated a dispute. The investigation resulted in removal of the accounts by the credit bureaus but shortly replaced back on my credit profile. 

I submitted police report, FTC report, banking statement, utility bill that proves where I was maintaining residence for the past 12 years. 


Researching the law I learn I was supposed to receive a 1099 for the charge off which would be reported as income on my taxes it was never sent, even tho the accounts weren't mine. Wells Fargo has committed fraud by porting the same account under different account numbers. Im requesting deletion of the accounts from all major credit bureaus.