23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am disputing the collection account with XXXX XXXX/OPORTUN account number XXXX XX/XX/year> with a balance of {$0.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit card or prepaid card

I already have an open complaint regarding this company XXXX I now report NEW COMPLAINTS regarding Chase Slate Credit Cards. I was contacted by " XXXX '' from the " executive department '' who initially repeated the same false claim that I had made late payments. I have NOT made late payments, and my credit report ( XXXX ) states that my payment history is EXCEPTIONAL They then stated that I had a collection account on my credit report, which I again corrected them as FALSE. There is no collection account on my credit report. 

Frustrated by blatant disregard of the facts, the damage they were doing to my credit without just cause, and their foul attitude, I endeavored to pay more of my debt to them. I made an {$11000.00} payment ( now that the check I had received had cleared my other bank ). That payment was made XX/XX/XXXX. Please see that attached documents. As of today, XX/XX/XXXX, Chase still refuses to change my available credit based upon the payment. They also refuse to report it to XXXX. This is the SECOND TIME they did this. 

On XX/XX/XXXX they claimed I had zero available credit when in fact I had available credit. 

The funds have left my account and clearly are in their account, yet they REFUSE to change my available credit and refuse to report the decrease in my balance to the credit bureaus Surely, there must be some laws that require them to credit a payment and report it correctly? They are intentionally now doing damage to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has been continuously defaming me on my credit report. First off, I lost my job in XXXX of XXXX, I did n't have any income for about 2 months. I found a job eventually around XXXX XXXX and was not making enough. I kept trying to keep up with my payments, but was struggling tremendously. I then continued my search for another job which paid me enough to pay for bills, nothing else. Eventually I decided I had no choice but to start a debt management program because I could not keep up with payments. XXXX XXXX XXXX sent proposals to all my creditors. XXXX  XXXX did not accept the first time, because they wanted a bigger amount every month, which is understandable. XXXX sent the new proposal and they accepted. XXXX accepted on the first attempt. Wells Fargo credit card, surprisingly, accepted. Well Fargo loan, however, declined the first time, asked for more every month. XXXX sent the new proposal of the amount THEY ASKED FOR, and DECLINED AGAIN. Keep in mind, this takes weeks to do. So XXXX sent ANOTHER proposal. They then said the account is too delinquent and they charged it off. I could have been paying for it right now, but instead, stalled the process so they can charge off the account. Now I have a charge off on my credit report and I can not apply for any credit cards, loans, get a job that checks my credit, anything. They then contact me asking me for money, and of course I want to pay the balance off so I send them payments. They do not correct my balance on my credit report so I filed a dispute. They then fixed the balance, add remarks to my account saying that the information is correct and I am disputing the information and I disagree. What? So now, I am furious. I XXXX about Wells Fargo saying how they are awful, and they contacted me via XXXX asking me what 's wrong. I tell them about the charge off and the remarks added to my credit report, and they tell me " they will investigate the issue ''. A couple weeks later they send me a packet explaining everything I already know. Not only that, they add MORE remarks to both my loan and credit card on my credit reports saying that I am disputing the information on my credit report and I disagree with the information after the resolution. I NEVER said that. So, I researched how to get the remarks removed and I had to call every credit reporting agency to get the remarks removed. So now, I go to the Better Business Bureau to leave a REVIEW, not a complaint, to keep customers away from Wells Fargo, so they do n't go through what I went through. Of course, I get a letter saying they have received my inquiry and will look into it. Now a week later, Wells Fargo added remarks to my accounts ONCE AGAIN saying that I am disputing information on my accounts with them. They do not stop and it is getting ridiculous. I need help from someone because they are ruining my life.
Product: Debt collection

Right to privacy. 

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666 B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

There was no authorization for this comoany tonhave my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Credit report on XX/XX/2022 to find out that Exeter had placed a missed payment on my report. I was not aware of a missed payment being that I am away XXXX  working and my wife handles the payments while I am away. However recently my wife fell ill and had to have XXXX so I had to come home and tend to her but it was not communicated that she missed a payment. I did not receive notification of a missed payment nor a letter and was not given an opportunity to rectify this mishaps.However we moved back in XXXX of 2022 and my information has not been updated with Exeter, so if they sent correspondence, I have not received it. I called Exeter and explained to them what happened, and I was told that once I made another payment for XXXX which is not due until XX/XX/2022, they will remove the derogatory information off of my credit report. I think that is unfair and it is hurting my credit report and my job is affected by this. I was not given an opportunity to dispute this or correct it before it came to be a dispute.
Product: Credit card or prepaid card

I bought a Vanilla Gift Card on XX/XX/2023 ( {$400.00} ) at a XXXX in XXXX NC. Immediately after ( within min ) the purchase of the card, I attempted to use it to pay a bill and was told by the person processing the bill payment that the card was declined. I went back to the XXXX where I purchased the card and the manager stated I would have to contact the card servicer of Vanilla Gift card. 
I contacted them on XX/XX/2023. A rep asked me to email a copy of the receipt and the card to create a case file ( Case # XXXX ) and it should be resolved between 5-7 business days. I have made several calls to the card servicer. It is now XX/XX/2023 with no resolution to date.
Product: Mortgage

on or around XX/XX/2019 my house fell into foreclosure during divorce. I worked with a ( XXXX XXXX ) representative from fifth third bank for a modification of the loan which was confirmed to be completed before XX/XX/XXXX and then the rep was on vacation for two weeks and never processed my application and it got sold at Sheriffs sale a week later, even though I was assured I was not going to lose the property-I have tried every legal source other than hiring a private attorney and no one can help
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Disputing error [ s ] /Negative information on Credit Report This letter is a formal complaint that you are reporting data that I have collected to be inaccurate and incomplete credit information. I am distressed that you have included the harmful information below in my credit profile and that you have failed to maintain proper consumer law procedures in company operations to guarantee maximum accuracy in the credit reports you have published. 
Credit reporting laws including : C.F.P. B 1022.42 ( a ) Reasonable policies and procedures concerning the accuracy and integrity of furnished information. 
This clearly states ( a ) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities.
Product: Credit reporting or other personal consumer reports

I am writing to you because I am concerned about the accuracy and honesty of your company 's data. According to FCRA section 611, it is important that we have accurate records on file with those who rely on them most- including not just customers, but also potential lenders or employers. After doing some research into XXXX XXXX compliance standards, I have found that there may be some inaccuracies in reporting going forward if these issues are not promptly resolved. I would love any feedback possible before taking action against you later down this road together.The inaccuracies that are currently on my report are having a serious negative impact on my quality of life. The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate. I am demanding accurate documentation so you can document me- the person who deserves status in society - correctly.Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account and monthly amount of {$390.00} was paid in full and on time. In addition to this it has been paid in full and satisfied in a timely manner. Much Appreciated!
Product: Debt collection

So XX/XX/2020 I got an email by XXXX credit monitoring that there was a derogatory report. I hadn't received any notification nor collection letter stating I owed. I went on the website and called Midwest Recovery Systems llc which is listed as the debt collector for the {$640.00} I supposedly owe. ( XXXX XXXX, the rep ) told me they have no record of me, I gave them my social, name, maiden name, and DOB. I was told the debt was sold to them by XXXX XXXX, I called them. No record also, but they couldn't look up " archived debt " even though it was just put on the credit report. They told me who the company that originally sold them the debt " XXXX Credit card by XXXX XXXX  ''. I looked up their information, called them no information/record on me I've gave them what address I possibly could have been listed, and my birthday. I called XXXX PD to make sure I had a record just in case it was an issue of identify theft. Gave the investigator the information told by me from the companies I had communicated with. I have a police report number and was told unless it was identify theft they couldn't help me further but it was documented. I called Midwest back with this information, and was told they would investigate and would follow up. Haven't heard anything back & they give me the " we're still investigating run around game '' and I could talk to the director XXXX. I reach out to XXXX  also because I wasn't confident that Midwest would follow thru on this phony debt. Please help me, I don't want something on my report if it isn't true
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 U.S.C 1681 Accounts # XXXX XXXX account resolution 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 1681s-2 A a person shall not furnish Any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect
Product: Credit reporting or other personal consumer reports

This is a formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : 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 To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

In XX/XX/2015 when contacted the first time by this company I did not know what they were trying to collect and to make all future contact in writing. Today they acknowledge the phone call taking place, claim the note is not on the account. Since that time in XX/XX/2015 they've made over 100 phone calls after being told to add me to their internal DNC list, sometimes 2 to 3 per day over the period of 3 years but have never sent information showing what the debt was they were trying to collect or proof of the debt at all. 

Most of these I simply hung up when I heard the automated dialer click on the phone numbers they were spoofing. 

Today they acknowledged the records of the prior phone calls but claim they never made note that I ever requested to be added to their DNC list even though I've never had a different conversation with their company ever and they are willfully violating the law.
Product: Money transfer, virtual currency, or money service

I provided a bank certified check for mobile deposit to my USAA account. At the time of the deposit the mobile transaction was accepted and did not state there was an image problem. Then 10 days later a image problem was noted to me by mail and the actual check was requested. I mailed the original check immediately after taking another photo of the check. I mailed it by the stated date required. 

The bank suddenly did no recieve the check by the stated date and his holding 10k of those funds causing subsequant problems with my bill pays, and checks they continue to send out checks through my bill pay with a negative balance. 

This is causing me excessive fees and will result in additional credit problems. 
this bank has also been sending my bills out late in the last month. 

I have contacted customer service where they have stated I have a 7-10 day waiting period to get these funds replaced. this is a national emergency. I am a XXXX XXXX XXXX  on the front line and the bank is taking advantage of me at this time. 
I plan on stopping all services with this bank although I have been a long time customer with few problems. 
they have failed to acknowledge my fathers XXXX war service even though he was buried with military honors I want these issues recectified
Product: Credit card or prepaid card

I was charged an annual fee on my credit card. 
Within 30 days I changed the card to a no annual fee. 
They refused to credit the annual. 
This is totally wrong. how can they charge me an annual fee for a service that I dont have?
Product: Credit reporting or other personal consumer reports

Hello- Thank you! My loans have been discharged but I have been fighting with XXXX about removing XXXX late payments XXXX times in XXXX on my credit report. I was told this would be clear with the discharge. I was in between deferments and at the time I lost my job due to XXXX, I have been writing, emailing and calling since them for assistance. Please help XXXX. I was told these would be removed when my loans were XXXX. 

XXXX was during covid and communication was limited - XXXX did not have my correct information and has not listened to my issue since I have been addressing in since XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX - and XXXX stated in previous response that they reached out multiple times but this was a trying time for everyone and I have been begging for these to be removed. 
XXXX individual loans / 120 days past due - I was told they would be removed with the discharge. 
Please help
Product: Credit reporting or other personal consumer reports

I was looking over my XXXX credit report and noticed that my XXXX XXXX Account XXXX XXXX XXXX digits when it should have only been XXXX digits. I called XXXX XXXX customer service, and they could find no record of me having the account that was reporting on my credit history. They tried looking me up by my SSN and still had no results.
Product: Debt collection

This company hasn't shown anything valid that states I owe this debt. There's no agreement, no signatures, or anything that states I owe this debt. They bought an alleged debt from XXXX XXXX for pennies on the dollar with NO validation that I even owe this. They are attempting to tarnish my credit worthiness for a small profit. It's ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/XXXX I mailed a certified letter to Equifax, and XXXX XXXX XXXX to investigate the information that is reported on my Equifax and XXXX consumer credit report from the company XXXX XXXX. I paid all payments on time, I was never late. According to my Equifax credit report ( Date of first delinquency report XX/XX/XXXX ) which is inaccurate. Two weeks later an I still have not heard anything from both credit reporting agencies. I tried calling on XX/XX/XXXX an a Equifax customer services representative stated they did not receive a dispute letter from me. When I called XXXX on XX/XX/XXXX ; they stated that I have to wait for a letter in the mail. I also mailed a dispute letter to XXXX XXXX for them to validate and provide proof for what they are reporting on my credit report, and yet I still have not heard or received proof of what is being reported. XXXX XXXX   is report inaccurate information on my credit reports.
Product: Money transfer, virtual currency, or money service

In the year XXXX, My zelle account would send monthly payments to a friend of mine of {$20.00} without my knowledge. I must have sent her {$20.00}, and accidentally made it a monthly payment, yet I got no confirmation nor advisory that I would be doing this. It wasnt until I had already sent her around {$300.00} she noticed that I would send her {$20.00} and asked me if this was my doing, and I replied to no. I tried to reach out to Zelle or manage it through my bank, but they were unable to help me because under their impression I was willingly sending money. I was not able to receive any refund in my friend was able to send me back as much as she could which was about {$80.00}.
Product: Credit reporting or other personal consumer reports

I am taking this time to write you in reference to updating my personal information with your company. Please update my address in your records to the address listed below : XXXX XXXX XXXX # XXXX XXXX, Massachusetts XXXX Please update to my full legal name XXXX XXXX XXXX XXXX This is the only SSN attached to my name : XXXX My only correct date of birth is : XX/XX/year>. 
My only employer is : XXXX XXXX XXXX. 
Please remove all phone numbers on my credit report. 
Please remove all of the other addresses off of my credit report. The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate.
Product: Debt or credit management

I sent a certified letter to The Moore Law Group on XX/XX/XXXX, it was sent before the 30 days. However, today is XX/XX/XXXX and I still have not received a debt validation letter claiming the debt that is owed is mine.
Product: Credit reporting or other personal consumer reports

My multiple efforts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These erroneous entries continue to severely impact my life, resulting in considerable stress and XXXX I must emphasize that I never authorized or consented to the association of this information with my identity, as I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls/capital one account was sent to collection. Account was settled and was told account would be paid to delete and account is still listed as a charge off.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 i attempted to purchase a pet XXXX cat  through a website that seemed legitimate to me. ( XXXX ) I spoke with a person who went by the name XXXX XXXX about the process of shipping the cat to me and he asked for an initial payment of {$1200.00}, followed by multiple requests from the alleged shipping company for additional payments for shipping and electronic crate rental which i was told would be refunded and never heard back from them. Payments were {$1500.00}, {$500.00}, then {$620.00} totaling {$3800.00} of my hard earned money that i eventually learned i was completely scammed out of. 

These payments were all sent though Zelle on my XXXX  XXXX XXXX app Throughout the process they were giving me detailed information about the cat i was expecting and even asked if Id like to change his name on the certificate. 

Once all payments were sent they completely stopped responding and i didnt hear back from XXXX or the shipping company. 

Once i realized this was a scam i immediately called my Zelle and my bank ( XXXX XXXX XXXXXXXX ) and told them about the situation and they attempted to reach out to the merchant but they were unsuccessful in recovering my funds. 

I really need the CFPBs help in recovering my funds as i worked long hours to earn that money
Product: Money transfer, virtual currency, or money service

I have been trying to access my GRAIN TECHNOLOGY acct since XXXX of XXXX. I have opened multiple tickets regarding this and no one has gotten back to me. I went to their XXXX page and noticed other consumers complaining about the same issue. My account info is no longer attached so payments arent being auto deducted but thank God because I cant even access the account to manage any bank info. When trying to use the app it just is a blank idle screen and it never works no matter if u update it or not. They can report my late pmts and tank my credit score but there isnt even a way to speak with a live rep. I would call this company fraud at this point because they dont respond to you theres not way to access my account and my score is being severely affected due to this company
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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