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

Never opened an account with XXXX XXXX they are saying the account was closed right after it was opened to protect my identity but they are reporting a credit card balance on my credit report but I have never used a capital on credit card. This is a mistake that needs to be fixed asap.
Product: Payday loan, title loan, or personal loan

I originally got a XXXX XXXX XXXX XXXX XXXX  XXXX XXXX '' for {$3000.00} around summer of XXXX, where I was to get {$1000.00} and the rest went into a savings account minus fees, for when the entire amount would be paid off, which was {$2600.00}. I got an email on XX/XX/XXXX stating that XXXX had gone out of business and sold the loan to SST Loans and everything was supposed to remain the same. On XX/XX/XXXX I went ahead and paid the loan off. However, in XX/XX/XXXX & XX/XX/XXXX SST Loans took a monthly payment of {$70.00} each out of my checking account with XXXX XXXX. When I contacted SST Loans about this they said they would reimburse me, that took at least five phone calls over a months time to get them to that point. As well as it also took them being contacted by XXXX Bank & the Better Business Bureau in order to get them to reimburse me the 2 {$70.00} payments that they took out of my account. After they reimbursed me for that, I called them about the savings account where they were supposed to reimburse me for the {$1600.00}, which they said they closed the savings account but would reopen it in order to reimburse me the {$1600.00} that they still owed me, however they would charge me a fee of {$70.00} per day for " interest ''. So they opened the savings account with XXXX XXXX Bank " supposedly '', where the funds were being held, however I contacted XXXX XXXX Bank to inquire about the funds and they had no idea what I was talking about. After this I called SST Loans to inform them of what XXXX XXXX Bank had said and they said I must not have spoken to the right person.
Product: Credit card or prepaid card

XX/XX/2022 {$530.00} of my Wells Fargo XXXX were wrongly pulled and processed during an attempt to purchase a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I received a Wells Fargo a Rewards confirmation email with wrong confirmation XXXX  that is not associated with XXXX XXXX XXXX XXXXXXXX. I called the company directly. I attempted to use my Wells Fargo XXXX XXXX XXXX via XXXX. The transaction did not process appropriately and seemed wrong. So, I contacted XXXX XXXX XXXX XXXXXXXX and they did not have confirmation of an order from me. I called Wells Fargo to report the transaction. I called XXXX to report as well. XXXX reported that Wells Fargo had stopped/halted all payments ( credit and Rewards ) before either could be processed on XXXX side XXXX My credit card has been credited, however, the Rewards team refuses to refund my {$530.00} in rewards. I have sat on phone calls with Wells Fargo Rewards multiple days for several hours a time. They tell me to call XXXX and refuse to listen to the fact that I have had extensive conversations with XXXX. The funds are not with XXXX. They tell me to contact XXXX. This company was not associated with the transaction in any way. XXXX my customer portal at XXXX there are XXXX transactions recorded because Wells Fargo canceled the transactions immediately. When I work my way through Wells Fargo XXXX customer support I have been hung up on and transferred to departments that can not help me outside of Rewards and am forced to start the process from the very beginning. They are giving me the run around in hopes that I will give up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX INQUIRY : COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a debt in my name that wasnt from me. I disputed the debt through Experian letting the company know that the debt is fraudulent but the company wont take it off and delete it from my credit report. Ive asked them to verify the debt and nothing just happened!
Product: Checking or savings account

CitiBank responded : Upon review of our records, we found that interest check number XXXX for {$18.00} was sent to the address on file on XX/XX/XXXX. This check was for the interest owed on account ending in XXXX, for the dates of XX/XX/XXXX, to XX/XX/XXXX. 
However, the interest that I earned with the amount of {$18.00} is only through XX/XX/XXXX, which was the date they withdrew all the funds from my account. Furthermore, it wasnt until XXXX, another 15 days before I received the checks from my checking and savings account. Please see all attachments which show the withdrawal date of XX/XX/XXXX, and the check issue dates of XXXX, by Citi Bank. I am still owed interest from XX/XX/XXXX, through check date of XX/XX/XXXX. That should be approximately {$20.00} owed to me. I was promised I would receive interest up until the check issue date. The money was withdrawn from my account on XX/XX/XXXX ( see attachments ) meaning no interest was accrued from that date thru check issue date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I Have reached out to all XXXX credit bureaus and they given me the run around I have sent in my FTC report, in months ago here are the accounts and inquires that need to be removed immediately. 

Account Name and Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a debt that was purchased from lvnv funding. They had no right to collect on this debt. Reason being this debt is out dated and can not be collected on and this company can't collect on it either. They have obtained my information illegally without my consent or knowledge. I would like to engage a cease and desist and do not want them to contact me via phone mail or email. No contact with me at all.
Product: Credit card

ACCOUNT NUMBER : XXXX Product was never received. 

Vendor promises were extended and delayed. 

XX/XX/year> XXXX XXXX XXXX CA {$4200.00} Requested XXXX to refund it and they refused. Requested Chase to refund and they refused. Vendor is fraud and keeping consumers ' money.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I purchased a XXXX XXXX from XXXX XXXX and financed it through their creditor XXXXMonterey Financial Services . The terms were No interest if paid off within 90 days. Autopay was the only payment option given. On XX/XX/XXXX I made a payment of {$410.00} dollars to be applied to the principal. Because it was an Automatic Payment, I made account for it In following months, but never realized that they were using that {$410.00} towards the monthly payments instead of toward the principal. In XXXX of XXXX, I was expecting to pay off the loan, thinking that it would be around {$1300.00}. When I checked, it was nearly {$1600.00}, with none of that {$410.00} applied to principal. Because I couldnt end autopay, I had to close that checking account. I lost my job in XXXX and had to take a job at more than XXXX  XXXX less than I made before and have been struggling to meet all my financial obligations, now. The payment was XXXX XXXX.
Product: Student loan

MOHELA is sending me a document stating that " during periods of forbearance, interest continues to accrue. '' However, from what I understand this is not true. Interest is NOT supposed to accrue during this time period. 
I received this letter on XX/XX/year>. I was placed into forbearance on XX/XX/year> due to the XXXX plan being under litigation. 
The forbearance letter states the following : " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' The XXXX letter states " Although no payments are due at this time, interest continues to accrue on your loan ( s ) during the forbearance period. You have the option to pay the interest during forbearance. '' I also uploaded them in this complaint.
Product: Debt collection

Good Afternoon, On XX/XX/XXXX my account is scheduled to auto debit pay my Loan. I had a personal problem with a bounced check on XX/XX/XXXX which put my account in negative. 

The correct funds were placed into the account on XX/XX/XXXX. 

I contacted the loan company loandepot on XX/XX/XXXX to see if the funds were withdrawn from my account. I could see they had made a withdrawal. And the account was confusing to me if it was returned. 

On the phone, the representative said my account was current and that the XXXX payment was processed. 

I asked her if there was any problem so that I could resolve it that day. She said no. 

On XX/XX/XXXX I received a letter stating I had missed a payment. I immediately brought the account back up to date and requested information as to what happened. 

The first rep I spoke to said he can see the payment went through on XX/XX/XXXX, it did not process and was automatically retried on XX/XX/XXXX. 

I said the money was in the account on XX/XX/XXXX. So why did that fail. He says the account actually didnt retry and it takes 1-3 business days for the account to reflect the debit was denied. 

So I explained that XX/XX/XXXX is 4 business days after the initial XX/XX/XXXX debit. So why wasnt I advised it was returned when I called in. 

He put me on the line with another associate. This girl was rude and attempted to forcefully get me off the phone by responding to my questions is there anything else I can help you with today? 

She then transferred me to a third person. Much nicer and this person says she can clearly see that in the record of my account you can see on XX/XX/XXXX that the debit was denied and that there was an issue. 

So again, I asked why wasnt I advised on XX/XX/XXXX. 

So to shorten, my account had in appropriate funds. I called to resolve the issue and was advised that it was already resolved. 

They then reported to the credit company that I missed a payment. 

But its their fault I missed the payment.
Product: Checking or savings account

On XXXX/XXXX/XXXX I applied for a position with XXXX through the Department of Labor. XXXX listed a match for the position of XXXX XXXX XXXX and instructed applicants to email their resume to the HR rep provided. The next day, I received a reply from the Recruiting Team stating that I am qualified for their position. This information came from XXXX XXXX, however the email address is from " XXXXXXXXXXXX ''. Normally, the " XXXX '' would come after the @ symbol. Anyway, I accepted the position and received an Employment Agreement Letter via email. The job title changed to Administrative Clerk. This job is based out of XXXX XXXX, MO of which I would work remotely. Per the Recruiting Team, I would report to XXXX XXXX XXXX who would facilitate training for 1 week ( XXXX - XXXX ) at pay of {$14.00} an hour and start the job on Monday XXXX at pay of {$29.00} an hour. He advised I would receive all the materials needed for the job ( Laptop, Scanner/Printer, Desk, and File cabinet ). He sent me a check in the amount of {$2800.00} to deposit and wire transfer payments to a vendor who would retrieve, deliver, and install all equipment. After I completed the transfer, he said the vendor advised him that more money was needed due to upgrades. XXXX XXXX sent me another check by priority mail to deposit in my account to process another wire transfer. This second check was in the same amount at the first! I told him that I still have {$71.00} from the 1st check that he sent me, and asked what should I do with that. He said to wait for further instructions. The bank placed a hold on that deposit ; eventually they were returned. Both checks was remitted by a XXXX XXXX. 

At this point I was skeptical of the entire ordeal as I was not sure of my employment status with XXXX. So I went to their website and emailed XXXX XXXX XXXX @ XXXXXXXXXXXX. However, I did not receive a reply. I also left a voicemail @ XXXX. I never spoke to the recruiter or XXXX XXXX XXXX over the phone as everything was done via XXXX XXXX online ; including the interview. Also after the second check was returned, I was asked to personally cover the funds and I would be reimbursed. Shortly after that, I ceased communication with XXXX XXXX. Since then, my bank account has been overdrawn, closed, and re-opened with a new account number. Unfortunately, a bank investigator has not been assigned to my case as of yet. I kept the receipts of the wire transfers, as well as the employment letter and XXXX XXXX conversation. Please let me know how I can help to recuperate these funds. My bank account is on lock, and I need my funds to pay bills and co-pays for appointments. 
The Employment Agreement Letter is from XXXX XXXX XXXX XXXX Kansas XXXX, MO XXXX Headquaters. http : XXXX XXXXXXXX. I have attached the conversation to include copies of the receipt and check.
Product: Credit reporting or other personal consumer reports

TransUnion I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX XXXX XXXX  Acct # XXXXXXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding inaccurate late payment information on my credit report for the following account : [ Late payments XXXX. XXXX ], [ XXXX ]. The late payment ( XXXX ) reported are incorrect, and I believe the information is incomplete and inaccurate. I request a full investigation to verify that the account is reported correctly, including the payment history, dates, and balances. I also request proof of the alleged late payments, including statements and payment transaction records from the creditor that would show the payments were not made on time. If such proof can not be provided, I ask that my payment history be updated to Paid As Agreed, Never Late ( PAANL ) status, as required by consumer protection laws.
Product: Credit reporting or other personal consumer reports

I, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, reviewed my credit report and found the following Name, Addresses, and inaccurate accounts reporting in my credit report. I am a victim of identity theft and did not authorize the charges. I have provided proof of identification, Proof of address ( Utility Bill ) and my social alone with the inaccurate names and accounts that needs to be removed. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's 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 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update 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 has received my credit report in the past six months
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name : U S DEPT OF EDXXXX Account number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Main Financial. On XXXX XXXX XXXX are giving me credit inquiries I wasnt aware of and some of them are even checking my credit twice which I wasnt aware of either. They have made my inquiries go to 25+ and I wasnt aware of this.