23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ACCOUNT NAME XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX NCA  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX ) ACCT : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Checking or savings account

I deposited a cashier 's check from my husband 's account at another local bank on XX/XX/XXXX to my personal checking account at Wells Fargo. I deposited it thru the drive-thru teller who never mentioned a hold. My receipt says it will be " fully available on XX/XX/XXXX '' I assumed it would be a 2-day hold MAX. I check my account in a few days and it still had not been credited. Today, XX/XX/XXXX. I get a letter from Wells Fargo that it will be held until XX/XX/XXXX, a full 10-day hold, and to " refer to the maker of the check ''. If they would have noticed/read the cashier 's check, the REMITER is my husband, who is also the POD on my account. My husband also has several accounts with Wells Fargo. This is nothing short of a money grab by Wells Fargo to sit and use my money. What is the point of a local cashier 's check? The funds were removed immediately from my husbands account on the day he gave me the cashiers check ( XX/XX/XXXX ) as is standard/common/well-known practice,
Product: Credit card

I had 5 % back on my Chase card when using it via XXXX from XXXX through Dec.On XX/XX/XXXX at XXXX I purchased a clothes dryer for {$660.00} from XXXX XXXX using my XXXX account charging it to Chase. It showed on my XXXX account that it was charged that day and time immediately. I did not receive the rewards because it showed up on my Chase credit card on XX/XX/XXXX. I called to dispute this but Chase claimed there was nothing they could do ; it was how long XXXX took to process it. There is no reason it would take 5 days to charge it to my Chase card when it showed on my XXXX account as being charged immediately. 

Additionally, they are currently running 5 % cash back rewards on both fitness/gym memberships and spa services. I have been going to XXXX XXXX for 12 years which is a fitness club I'm charged a monthly fee. I've gotten these rewards in the past for this exacty reason. They told me the way it's categorized by the owner is the reason it's not coming up as a fitness club. Again makes no sense. It's LITERALLY ONLY a workout facility and you have to have a membership to go. 

I also recently went to a XXXX which has ONLY spa serviceXXXX and charged over {$500.00} for which again I did not receive 5 % cash back as they list it as medical services and health practitioners. There is not one medical provder there. They do massages, facials and XXXX. No one is a health practitioner. 

This has been going on consistently with Chase and more so recently. It always seems to be on large purchases. By my accounts, they owe me almost {$80.00} in rewards.
Product: Debt collection

In XXXX XXXX added a collection to my credit report and it was removed in XXXX due to fraud and it was off my account from then until XXXX. In XXXX, Enhanced Recovery Co. added it back to my credit report AND illegally re-aged the account stating it is a NEW collection with a " date opened '' as XX/XX/XXXX which even if this was mine, is WRONG. 

I disputed online with the credit bureaus and was told it was verified. It obviously wasn't. 

I called and requested to dispute again and was allowed to submit documents so I sent them a copy of an actual page from a XXXX credit report that shows this XXXX account with this same amount due. I also sent a FICO report that was pulled by a mortgage company in XX/XX/XXXX that shows this collection was NOT on my report at the time. 

They STILL came back and told me it was verified! It appeared they tried to change the date to XXXX on one of the reports but they still didn't even have the dates correct. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX due to high pressure sales tactic, we purchased a week from the Time Share company called XXXX XXXX XXXX ( XXXX ). However, we were given 10 days to cancel. But as we tried to cancel on day 8, our calls or emails were never returned. After several attempts we simply resolved to use time share which we did briefly. However, our finances would not allow us to keep this product. So we hired XXXX XXXX XXXX ( XXXX ) to assist us. We were able to settle with XXXX. We have documentation which states that if we sign back over the property deed to XXXX within a certain time period, ( before XX/XX/XXXX ) 'you will be released from any further liability under the note. However, if we do not receive the notarized documents before this date, foreclosure proceedings will begin. ' Unfortunately, XXXX acting in our behalf, failed to send us the necessary prepare in time, stating there was an oversight on their part, and as a result, XXXX proceeded with a foreclosure on our account and submitted to Experian. We tried several times to get this matter resolved with XXXX and with Experian stating that since there was no financial judgment, there must NOT be a Foreclosure statement on our credit report. Having such is preventing us from refinancing our home, which we desperately need to do!!
Product: Credit reporting

There is a bankruptcy on my transunion credit report in which transunion indicates they pulled the information from a 3rd party reporting agency. The courts have verified with me that they Do Not report to credit bureaus and therefore this item must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to XXXX XXXX and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

- XX/XX/XXXX My card was charged {$160.00} by flohocky. 

- XX/XX/XXXX I disputed this fraudulent charge as I didn't have and never had an account with flohockey. While reviewing my account I discovered another previous fradulent charge from flohocky on XX/XX/XXXX for {$140.00} and disputed this at the same time. 

After I had disputed the charges I was also advised to contact flohockey. Their customer service was unhelpful and they told me since I disputed the charge they couldn't do anything about it. I looked up flohocky on the better business bureau and saw they have a F rating. Apparently I am not the only one they are ripping off. 

- XXXX XXXX Discover card reversed the dispute for both charges and reapplied the charges to my account. 

- XXXX, XXXX, XXXX I noticed that the fraudulent charges had been reapplied to my account back in XXXX. I immediately called to find out how that was possible. I was told they would reopen the dispute for the XXXX and once that was resolved they would work on the XXXX charge too. I was told they would follow up with me as to the results of their investigation. 

- XX/XX/XXXX After not hearing anything from Discover card I looked into my account to see the fraudulent {$160.00} reapplied to my account again and spent nearly an hour and a half talking to XXXX different people trying to get these fraudulent charges resolved. I asked what evidence they had that these charges were not fraud. The answer I got was that they had my wife 's name ( authorized account user ) and card information so they viewed them as legitimate charges. I explained that neither myself nor my wife ever signed up for flohockey service nor did we ever provided them with the account information. A charge not authorized by myself or my wife pretty much seems like fraud to me. We don't know how they got the card information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, XXXX and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX   {$620.00} XXXX XXXX - XXXX XXXX XXXX BAL {$430.00} XXXX XXXX XXXX BAL {$1400.00} PORTFOLIO RECOVERY SYSTEM - XXXX XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX  AND XXXX {$0.00} BALANCE XXXX/XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH PORTFOLIO RECOVERY SYSTEM {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX XXXX - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES XXXX XXXX XXXX  ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. 
I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Early Warning XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear sir, At first, I received letters which have the total pages XXXX. Among them, the one prepared on XX/XX/XXXX of 2024, which has consumer Identification number XXXX, asks me to provide the necessary information. So far, your company refers only the XXXX  XXXX XXXX banking account. I have been asking to check and provide further information to explain the documents themselves, since I can not understand it at all. I have already asked XXXX XXXX and the person in charge gave me unsatisfactory answer and requested further investigation. I believe your company should have received some information from XXXX XXXX. I have another bank accounts with XXXX XXXX based in XXXX XXXX and XXXX XXXX based in XXXX XXXX. I have asked you to provide me the means to acquire the similar documents which I received from your company. 
The letter prepared on XX/XX/XXXX of 2024, which dispute ID is XXXX, is mentioning the XXXX XXXX XXXX account number ending XXXX. Same as other banking accounts of XXXXk XXXX XXXX, I do not have any further information with this account, too. Therefore, I can not understand why you send me again this letter, honestly. More than that, I expect further investigation on XXXX XXXX and XXXX XXXX. Please send them. 
The letters prepared on XX/XX/XXXX of 2024, which dispute case ID is XXXX, XXXX, XXXX, and XXXX state I need to contact with your office only when I have some information/documentation on these cases. I do not have any further documentations, which I feel to report many organizations. If I receive some documentations, which make me feel suspicious, I will send them to you. More than that, I believe we need to start to request XXXX XXXX and XXXX XXXX, as your agent has mentioned at the beginning. Since I do not have anything to ask the XXXX XXXX XXXX with these letters, I will not contact with the XXXX XXXX XXXX branch addressed XXXX XXXX XXXX, XXXX, XXXX XXXX. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 5. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Bank account or service

My wife and I needed a chipped credit card for overseas travel. Our bank did n't issue chipped cards, therefore, we went to Wells Fargo since they did. We worked with the " branch manager '', XXXX XXXX, to apply for the credit card and to open an account and get chipped debit cards as well. 

Online he discovered that I had an old Wells Fargo credit card from XXXX that needed to be canceled before we could get the new credit card account. Since I quit using the account decades ago I no longer had a card for it. He was n't sure how it would be handled but said he would apply for the new card and see what happens. 

A week or so later we received a new chipped credit card as well as the new debit cards. I called XXXX because I was n't sure if the new credit card was for the old account or the new account. It was a relevant issue because a benefit of the new account was medical insurance for refund in the event we purchased plane tickets for a future flight but unable to use the tickets due to health. He assured me it was the right one. XXXX further satisfied my need for assurance by emailing a copy of the written benefits that included flight insurance ( page XXXX in the attachment dated XXXX ). 

As months went by my wife ( XXXX ) got a medical condition that prevented us from taking the XXXX, 2015 flight. We canceled the flight and began the process for refund for out plane tickets. Wells Fargo denied our request, saying it was not covered under that credit card. XXXX acted surprised and said he would pursue resolution from 'his end '' but I never heard anything from his actions. I contested the findings but never heard anything from them again. I wrote an email letter to XXXX ( See attachment XXXX ) and summarized the whole experience in that email and asked him pointed questions but never received any response aside from him saying he forwarded my email. In further emails I tried to get him to state if he agreed with my explanation plus other pointed questions but he never answered a single question. He would n't respond in emails any longer. XXXX and I went to his office and he remained vague and non-committing on all issues. 

I did everything I could be expected to do. Especially by working with the branch manager, how much better can you get than that? Even to the extent of questioning the branch manager and receiving his assurance that what he said was correct. 

They sold one thing but claimed it was something else when the time came for handling a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I wrote Transunion a letter questioning their verification practices and accuracy. They responded to the letter on XX/XX/XXXX File # XXXX stating the bankruptcy was verified and they provided a address, and phone number. I questioned the validity of their response because the phone number they provided is a XXXX California phone number and the address they provided is a XXXX California address. The phone # provided does NOT connect to a court located in XXXX California. I then sent them a follow up letter on XX/XX/XXXX asking them to verify the clerk 's name they spoke with and the documentation used to verify the dispute. I never received a response back to that letter that was sent on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: 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 XXXX  : XXXX, XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention that the XXXX account opened on XX/XX/2021, which reflects {$1600.00}, is fraudulent and negatively impacting my credit report. Despite my previous attempts to dispute and resolve this matter by calling, no action has been taken. Upon discovering the fraudulent activity, I took immediate steps and reported my stolen identity, placing a fraud alert on my account on XX/XX/2021. 

The negative reporting of this account is causing significant hindrance for me and my child in securing an apartment, and we are now facing the possibility of homelessness. Adding to my distress, I am currently XXXX XXXX XXXXXXXX  In light of the circumstances, I urgently request that this negative account be removed from my credit report without delay.
Product: Credit reporting or other personal consumer reports

We purchased a home on XX/XX/2023 and made our first payment due XX/XX/2023 to XXXXXXXX XXXX  ( check sent on XX/XX/2023 & receipt of XXXX payment sent to us ) as our loan transferring process was delayed. 

XXXX has 60 days to transfer the collected funds to the servicing Mortgage Company, XXXX XXXX, which was delayed. 
We have been advised that after purchasing a home we can not get flagged for late payments for the first 60 days due to possible mortgage transfers that can take place. 
We have both been flagged by the credit bureaus for late payment of 30 days from XXXX XXXX although the original payment was submitted and received in a timely matter.