23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I filed claim # XXXX for {$420.00} with Bank of America on XXXX I was told the merchant had 45 days to reply I spoke to the merchant several times to no satisfaction I sent the merchant a picture of the reason for the complaint on XXXX The merchant then responded via text that the money was removed from their account and my request was granted. 
I then reached out to Bank of America several times even going into the branch 3 times to get no results. 
I went into the bank again on XXXX and faxed to them a copy of the text thread stating what the merchant said above On XXXX I called, they told me it was received but I still had to wait for fraud department to respond On XXXX I had appointment at the bank, the representative called and only got the same run around that I did Today XXXX, I still do not have my money or any updates. I am furious right now. I have done all I can on my behalf and still can not get a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian due to my student loan with XXXX XXXX reflected incorrect information ( 90 - 120 days of monthly late payments from XX/XX/XXXX to XX/XX/XXXX that reflects {$11000.00}. I am not disputing the amount owed just the late payment status. I could not understand why each month reflects late for either 90 or 120 days. I disagreed with this information on my credit report. I filed an online dispute with Experian in XX/XX/XXXX. Experian immediately sent me an email stating that they received my dispute on XX/XX/XXXX. I received an email from Experian on XX/XX/XXXX stating they made progress of reviewing my dispute. On XX/XX/XXXX, I contacted Experian and explained to the representative that it has been over 30 days and Experian has not contact me or submitted me the online decision of my dispute. I kindly requested the late payment information be deleted from my student loan account. Based on the FRCA, if a credit bureau ( Experian ) do not submit an reply within 30 days. The disputed information should be deleted off my account. The representative stated that a letter was sent out to me on XX/XX/XXXX. I stated to the representative I filed an online dispute and Experian always replied the results of the dispute to me online for review under my account for completed disputes. I told him I never received a letter in the mail once my dispute had been completed. Please help me with this complaint. I am not trying to get out of paying my student loans. I just want the correct information to be shown on my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Debt or credit management

I am writing to file a formal complaint against National Debt Relief for their predatory practices and the significant harm they have caused me. As someone in desperate need of credit repair and seeking relief from persistent debt collectors, I trusted National Debt Relief to provide the assistance they promised. Unfortunately, their actions have only exacerbated my financial difficulties and severely damaged my credit. 

In XX/XX/scrub> 2023, I enrolled in National Debt Relief 's program, believing their assurances that they would help me manage my debts and repair my credit. However, I quickly realized that their promises were empty. National Debt Relief instructed me to stop making payments to my creditors and to ignore their calls. They claimed this would force the creditors to negotiate and settle for lower amounts. Instead, my accounts went into charge-offs, and my credit score plummeted. 

Despite taking over {$1300.00} from me, National Debt Relief failed to pay off a single creditor. They lied about everything and left me in a worse financial position than before. Additionally, they harassed me for payments every month, adding to the stress and anxiety of my already difficult situation. 

Here is a summary of my experience with National Debt Relief : - Instructed me to stop making payments and ignore creditor calls, leading to charge-offs and significant credit damage. 
- Collected over {$1300.00} from me without paying off any creditors. 
- Provided false information and assurances about their ability to manage and settle my debts. 
- Harassed me for monthly payments despite their lack of service. 

I would like to reference the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against National Debt Relief and other similar entities for engaging in illegal debt-relief practices. The CFPB and seven state attorneys general have taken action against these companies for collecting exorbitant fees from vulnerable consumers without providing the promised relief. 

Attached are the relevant documents, including communications from National Debt Relief and a statement from my XXXX XXXX savings account. 

National Debt Relief 's unethical practices have left me feeling betrayed and financially ruined. I urge the CFPB to investigate this matter and take appropriate action against National Debt Relief to prevent them from preying on other vulnerable individuals like myself. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I went to this gym 2 times almost 5 years ago!!! Never went back and canceled. I was under the impression that I was on a month to month and could cancel anytime. Its been almost 5 years ago XXXX of 2016 and Ive never heard anything from them and now theyre trying to sell me debt to someone and slap it on my credit 5 years later! This is ridiculous.
Product: Debt collection

In XX/XX/XXXX ' I was taken to hospital by ambulance, 3 days later told that I might lose my XXXX  entirely, had only XXXX XXXX  working at time. Upon discharge I'd asked many times for them to give me phone numbers for billing, nothing was given, told I'd have to wait 6 weeks before someone would contact me. From time I was discharged till around XXXX I got the run around about how they didn't know who I was or which physician treated me, I had zero account number, zero information and only 1 white paper explaining " We do not suggest you to drive '' i asked why I was being discharged without knowing what was wrong or any diagnosis, was told " You have no insurance and your life isn't in any danger ''. So I waited for anyone to call and nothing ever did. XX/XX/XXXX ' i started getting alerts on my phone about needing to check my credit report with XXXX  and my bank, wouldn't stop alerting me, opened it to find that my someone had trashed my credit score and didn't even bother to notify me first. It turns out to be Wakefield and associates, So I call them, ( All these people have access to my credit report ) Name, Social Security Number and Current phone number and address as well as every phone number or address I've ever had. They decided it was a good idea to send a notice to a Physical Address and not my mailing address then proceeded to tell me " By law, we don't have to contact you at all '' i said " there has to be some kind of law that keeps you from destroying people 's lives and not contacting them first, So now they refuse to remove the bad report, they refuse to remove it even if I pay in full, they refuse to provide the creditor or any other paperwork but trying very forcefully to make me pay, told them " I'm not paying till I see who this creditor is, and that it's actually my bill '' the guy tells me that he doesn't have to provide anything and if i don't pay, then they can seize anything i owe. The bill ( according to the info on XXXX, ) for {$790.00} and with their fees {$830.00}, My credit that I worked hard to fix for 4 yrs went from XXXX to XXXX and these people do not care that they've done this... why is there no laws protecting consumers, I asked for the bill from the hospital, I made every attempt to locate the attending physician and I got XXXX  in the end and lied to twice by the collection agency, the last lie being, if you pay the bill in full '' We will remove the debt... and I responded " my credit score will stay that way for 7 yrs, if I refuse to pay OR pay it will not be back to what it was before you decided to be XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I sent a wire transfer using the XXXX application on my phone and entered an incorrect number by one digit. I attempted to immediately cancel the transaction but the system would not allow it. I called my bank, Wells Fargo, to inform them of the error. Wells Fargo stated that since it was placed under the application site, I would have to contact XXXX to cancel the transaction. I then called XXXX who informed me that they are a networking system and do not handle the processing of this transaction I was redirected to contact my bank regarding this error. I opened a dispute with my bank, in which I was informed that since I made the error they could not refund my {$350.00} that was placed in a stranger account, nor could it be reversed. I also tried contacting the receiving party and later found out he is located in XXXX not in the US. Wells Fargo nor XXXX are willing to help me with this matter and now I have no other option but to contact your office for some form of resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this CFPB Complaintin accordance with the FCRA 's guidelines to ask that the following accounts, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. When I checked my credit report, I found that part of the information was inaccurate. The three credit reporting agencies must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and removed : XXXX XXXX XXXX Balance Owed : {$24000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed XXXX {$0.00}
Product: Payday loan, title loan, or personal loan

XX/XX/2022 {$10000.00} Paym ent {$1200.00} Interest rate is like 400 % So I could be paying back {$40000.00} t0 XXXX for borrowing XXXX The company name is titlemax in XXXX South Carolina
Product: Debt collection

Set up payments in XX/XX/XXXX with my XXXX XXXX VISA Card ; they did not state that they do not take pre-paid cards until after the fact that I set up payments with my XXXX XXXX   VISA Card. 

They did two ( 2 ) attempts to the card ; and denied them both. I don't understand if you are trying to resolve a debt they should take any means possible available to client and not to be so tedious as to what card they take. They always want to go through your checking account and I do not want them going into my personal checking account as they are a crude collection agency. They could just take my money if I give them that access. 

I tried to resolve this with them many times ; Sears/CitiBank/now XXXX XXXX. The sell your account so many times that you get confused as to whom they are!!! This should be banned from them doing so. Sears is in Bankruptcy and CitiBank was their credit card holder- but their tactics are not good ; because when I talked to Sears ; they would not even negotiate as I told them I had XXXX and was sick in 2016.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Collection Account Dear Sir/Madam, I am writing to dispute the collection account listed under my name, XXXX XXXX XXXX XXXX XXXX  XXXX, which appears on my credit report. I am requesting that this collection be removed from my credit file within 7 days due to the following reasons : XXXX. Failure to Validate Debt ( Fair Debt Collection Practices Act - FDCPA, 15 U.S. Code 1692g ) Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. To date, I have not received any verification or proper documentation to substantiate this debt. Therefore, I am requesting that you provide proof of the debt within 30 days of receiving this letter, as required by law. If you can not provide proper validation, you are legally obligated to cease collection efforts and remove the account from my credit report. 
XXXX. Reporting Inaccurate Information ( Fair Credit Reporting Act - FCRA, 15 U.S. Code 1681i ) According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers are required to report accurate information. If you fail to provide proof of the debt, I request that you immediately notify the credit bureaus to remove this collection from my credit history, as it constitutes inaccurate and unverifiable information under the FCRA. 
XXXX. Time-Barred Debt ( State Law and FDCPA, 15 U.S. Code 1692f ) If this debt is beyond the statute of limitations in my state, then I request that this collection account be removed as it is considered " time-barred '' and can not be legally collected or reported. Please confirm the age of the debt and provide the relevant documentation. 
XXXX. Failure to Notify of Debt ( FDCPA, 15 U.S. Code 1692g ( a ) ( 1 ) ) Under the FDCPA, you are required to notify me in writing within 5 days of your initial communication about the debt. If you failed to provide this notice within the legal timeframe, then I request that the collection be removed from my credit report as a violation of my rights under the FDCPA. 
Since the debt remains unverified and the collection practices may violate the laws referenced, I respectfully request the immediate removal of this account from my credit report and cessation of all collection activities. I expect a response from your office within 7 days of receiving this dispute. 
Please consider this letter as my formal request for the removal of this collection account. If I do not hear from you within this period or if you are unable to provide the required documentation to substantiate the debt, I will take further action as permitted under the FDCPA and FCRA. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear Fifth Third Bank, I hope this message finds you well. 

I'm reaching out under U.S. Code 1666 ( b ) to bring your attention to an on-going issue with my account. Its come to my attention that there seems to be persistent errors in my billing statements, particularly revolving around the incorrect reflection of late payments despite having cleared them. 

The aforementioned law, 15 U.S. Code 1666 ( b ), highlights two categories of billing errors : The failure of the creditor to correctly reflect on a statement a payment made by the obligor or a credit issued to the obligor, and An error of a computational or similar nature of an accounting kind of the creditor on a statement. 
As a financial institution, it's imperative you align with the Fair Credit Billing Actan act tailored to safeguard consumers from unfair billing practices. This law and its definitions, as cited by XXXX XXXX are uncompromising. A payment made or credit given to an obligated customer must be accurately reflected in the billing statement. Any deviation is considered non-compliant and therefore illegal. 

In my case, the persistent issue of my late payments not being updated as fully current, despite successful settlements, is an error that falls within this definition. 

I trust that Fifth Third Bank places great importance on adhering to these legal responsibilities and values the elucidated consumers ' rights. As such, I kindly request your immediate attention and correction of the aforementioned errors linked to my account. 

Thank you in advance for your prompt assistance and cooperation in this matter. Please do not hesitate to reach out if you need any additional information from my side.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I look at my report the open date on 2 account both from XXXX XXXX but are reporting two different balances under two different collection agencies. 

IC Systems INC {$160.00} and XXXX XXXX XXXX {$290.00} These accounts also arent reporting to all XXXX credit bureaus. Its been removed under a dispute but added back on XXXX and XXXX is only reporting IC Systems INC. 

I would like these inaccurate accounts removed if I cant receive validation on these accounts are accurate.
Product: Student loan

I have been making payments on my student loans for over 3 years. My balance has stayed the same and at one point increased from the original amount. At one point I had the loan paid down by {$1000.00} and Navient sent me a letter saying that I no longer qualified for some credits that I was receiving and added back almost {$1000.00} to my loan, putting me right back to where I was after paying on time every month for over 2 years.
Product: Checking or savings account

I am unable to open a checking account due to ( EARLY WARNING CONSUMER REPORTING AGENCY ). 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. Subject to subsection ( f ) and except as provided in subsection ( g ).
Product: Debt collection

They was paid off in XXXX, by XXXX debt relief  and they changed the name of the debt collection to XXXX XXXX but it's still the original XXXX XXXX, that we agreed to pay. Which is paid off and they will not remove the item. I've attached copies of the payoff and all bank ledgers
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. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A states that I have the right to privacy. 15 U.S.C 1681 section 604 Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c ( a ) ( 5 ) 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 7 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. 

I have repeatedly requested that the above companies provide verifiable proof the debts belong to me and they have been unable to provide the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my dispute was received by Equifax. I disputed a collection that was placed on my credit report by XXXX XXXX XXXX. I also sent the company a validation letter. I pay for a credit monitoring service which alerted me on XX/XX/XXXX that the account was removed. On XXXX XXXX I received a new alert that the account was placed back on my credit report. I never received anything from Equifax stating that they were placing the account back on my report. I received paperwork in the mail from XXXX XXXX XXXX stating they were providing me with validation. XXXX XXXX XXXX  provided an an alleged contract they say was from XXXX XXXX. XXXX XXXX XXXX  provided their account number which is XXXX. Then they provided an account number which they alledge is from XXXX XXXX XXXX. The contract which they alledge is from XXXX XXXX has an account number of XXXX. The original account number from XXXX XXXX XXXX and the account number on the contract they sent me do not match! The alleged contract also does not have my signature. I am including the letter sent to me from XXXX XXXX XXXX and a contract they claim is from the original creditor. 
The information is inaccurate and the company clearly is not able to validate this account according to the FDCRA. This account was removed from my report and placed back on without the 3 day notification and without being properly verified.
Product: Checking or savings account

On XX/XX/XXXX of 2024, I saw an advertisement about Wells Fargo having data breaches and that we should check our account. I checked my account and noticed XXXX transactions from somewhere in Pennsylvania with XXXX withdrawals in a XXXX day period. 

I disputed said transactions, and followed the prompts which asked if I recognized the transactions, and then file a claim. They don't ask additional information. I figured once they looked at the transactions, and looked at the history of the account as per the regulatory know your customer process, it would be easily identified as fraudulent. 

I checked the claim today, since I still hadn't heard anything back, and saw that it was closed, however, there were no notes or anything on the account nor any messages or comments sent to me regarding the claim so I called to speak with an agent of Wells Fargo. I was transferred to the claim department from the checking banker and spoke with XXXX who researched the notes and said it as closed as there did not seem to be any fraudulent activity. I asked what this was based on and he was unsure. The investigator did not leave additional notes and it was just closed. 

I told them I needed to escalate it because it's clearly fraud and I wasn't sure how they could determine it wasn't. I live in XXXX and I do most of my banking from XXXX locations. XXXX in XXXX at their XXXX XXXX XXXX, close to my place of work, and a few on XXXX XXXX, which is the closest branch to me near my home. In addition, if they look at my history of banking they would see I only use Wells Fargo banks for withdrawals, and they're normally done by a teller. They would also see that I don't make multiple withdrawals in a XXXX day period in various amounts. 

These are standard procedures for any bank 's XXXX process and all of these transactions should've raised a red flag and had me alerted about them to confirm they were in fact, my transactions. None of this was followed. Somehow, this was determined to NOT be fraudulent despite all of the glaring discrepancies for how I usually bank with this institution. 

I asked the claims agent to escalate the issue, and asked them for the reference number. They also gave me the executive office number to follow up with them. I called them and gave them the reference number ( XXXX ) and they said it was a service escalation and not a fraud escalation and I needed to call the claim team back, and tell them to put in the correct escalation. Me, the consumer, not them. Then they transferred me back to claims and I was on hold for XXXX minutes trying to get someone to fix this issue. 

After explaining what occurred, they asked me why I didn't notify them of this previously. I explained that I rarely go online and transact all of my business at the branch in person. In addition, upon each transaction that I've done with a teller, I receive a confirmation alert to confirm it is me through my Wells Fargo app and I did not receive those either for these transactions.
Product: Credit card

I keep getting collection notices from Wells Fargo Bank for amount due at the time apprx {$11000.00}. I keep asking for signed receipts to see if I really owe the money. All I get back is according to our records I owe the money.