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

On XX/XX/2020, I was in XXXX XXXX. I XX/XX/XXXXfor a living and I'm based in XXXX. I was in XXXX XXXX on a layover. I was pickpocketed ( robbed ). My wallet was taken that included a XXXX XXXX credit card/XXXX Debit card/XXXX credit card and a Capital One credit card. All of the above companies except for Capital One immediately reversed the charge on the accounts. Capital One placed the amount {$2000.00} on a hold and then placed a " provisional credit ''. I recorded the conversation as per XX/XX/XXXXstate law. They advised that this would not be reported to the credit bureau. I had an XXXX credit score. 
Well, they advised all 3 credit bureaus that I owed them {$2000.00}. This has lowered my credit score by 7 points while they do their investigation. As they stated it will take 90 days for the investigation to be completed to see if they believe this was fraud or not. Strange, none of the other companies stated this. And, Mastercard, Capital One has a zero liability advertising for fraud/stolen credit cards. I know that eventually, they will find this to be fraud or I will sue them in small claims court. However, sending this amount to the credit bureaus is unacceptable. And, hurting my credit is unacceptable. Victimizing the victim is unacceptable. Poor customer service. As I stated, all other credit card companies stated that this was obviously fraud and immediately sent out new cards in overnight mail. I still have not received a new card from Capital One even though I will cancel the card once this investigation is completed. They need to contact the credit bureaus immediately to " make right '' what they have done wrong. Having an effect on my credit score is illegal. I've talked to Representatives at Capital One on about 20 occasions. I have had representatives tell me that it doesn't make sense that Capital One would have sent this information to the credit bureaus because they do so only on the XXXX of each month. Well, the robbery happened on XXXX and they advised the credit bureaus on XXXX. Their next reporting date would normally be XXXX. I think the agents that didn't care for me at Capital One felt this would be a good way to get back at me. So, by hurting my credit, I'm being penalized. I have a perfect 7 year history with Capital One and this credit card but they state that history of the account doesn't matter and only this one charge. They state that " they and they only make the decision as to whether this is fraud or not ''. I've never made a charge of this amount in my 100 visits to XXXX XXXX for work over the past 7 years. In fact, I've rarely made purchases over $ 100,00usd. I just feel victimized and helpless. This company has no customer service skills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the information listed on my identity theft affidavit and this affidavit of facts. As these accounts appear to be a part of one of the several data breaches that I have been included in. This has lead to fraudulent accounts being placed on my report. 

Innovis, please disregard the sections of the attached dispute letter do not pertain to your company. The fraudulent accounts that pertain to your institution, please see them listed under your name. Please note that the attached dispute letter includes other credit reporting companies. Also, please note that I have attached the appropriate identification inside of the dispute letter.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/XXXX/XX/XX/XXXX, prior to utilizing the 0 % promtion on purchases, called Wells Fargo to ask that if I used a 0 % interest for {$10000.00} and then initiated another o % transaction a few months later, would all my payments apply to the first 0 % balance done in XX/XX/XXXX and I was told yes. Based on this information I did the the 0 % interest which expires XX/XX/XXXX and I made significant payments to pay off the balance on the 0 % interest. By XXXX XXXX I had already made $ XXXX + in payments towards paying off the 0 % interest from XX/XX/XXXX. In XX/XX/XXXX I called to confirm my balance and I was told that the first agent gave me the wrong information ( I raised the issue to Wells Fargo customer service and I was told that they listened to the initial conversation I had with the agent, and the information provided was indeed incorrect ). I was then informed that rather than the less than $ XXXX balance I had to pay was more like {$4900.00} and that my payments were applied at a larger percentage to the second 0 % transaction I initiated which expires later in the year / XXXX XXXX. I was then told as a resolution interest fees would n't be charged for the first 4 months after the expiration of the 0 % in XX/XX/XXXX, and the interest charges incurred would be automatically reversed and credited back to my account. The interest was " automatically reversed " once. 
In XX/XX/XXXX, since so many errors were happening, I called to confirm my balance payment and I was told it was now $ XXXX. I was confused since any purchase I made I paid within the billing cycle as to not accrue any interest or incur additional fees. So I emailed Wells Fargo for clarification, they told me the agent I spoke with who gave me the $ XXXX figure was incorrect and that it was a different amount. In the email I specifically asked how much is the payment I need to make in order to pay-off the 0 % interest without incurring any fees, I was now told that I needed to pay by XXXX XXXX XXXX another new amount of {$5700.00}. As instructed I went into the bank and made the payment by the XXXX XXXX deadline. I then emailed Wells Fargo to say the payment amount specified was made on time, and so the original 0 % interest is paid off. I then receive a response from Wells Fargo telling me that the agent gave me the wrong information and I need to pay more money to pay-off the balance, an additional {$1200.00}. And that this was a good learning opportunity for them ... and the client assumes financial responsibility of payments. How can I assume financial responsibility if Wells Fargo cant even give a client correct information on what they owe. Now I owe {$1200.00} that I can not pay on time because I based my financial outlook on the last revised payment. Wells Fargo can not keep changing the goals and expecting the clients to be able to meet this and still sustain other financial obligations.
Product: Mortgage

On XX/XX/XXXX Wells Fargo was notified that the property taxes due weren't paid so the lender went and made a payment in the amount of {$1400.00}. In addition I also made a payment to the XXXX of XXXX, MA for the taxes due. The City stated that the extra payment made will just be applied for the tax payment due in XXXX. In or around XX/XX/XXXX I called servicing to request a final payoff in which I wired the amount that they quoted me. During my call I never told Wells Fargo to stop the automatic payment for the {$1000.00} that was coming out of my bank account bi-weekly. The automatic payments should of continued until the account was paid off in full. It wasn't until I heard back from Wells Fargo on XX/XX/XXXX that the payoff amount I wired in wasn't enough to pay the account in full although the amount I sent is exactly what they quoted me over the phone. In the month of XXXX, XXXX and XXXX, XXXX Wells Fargo reported me late with the credit bureaus. I first took out this mortgage loan in XXXX of XXXX and wasn't late with a single payment. It wasn't until Wells Fargo quoted me the wrong payoff amount and didn't inform me that my autopay was stopped that caused me to be in this situation. These 2 errors made by Wells Fargo led me to be late on my payments and they never took accountability for this.
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify credit reporting agency to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXXXXXX XXXX XXXX XXXX In addition, I am requesting for a copy of the XXXX filed for the charged-off debt. XXXX XXXX XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXXXXXX XXXX XXXXXXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXXXXXX XXXX XXXXXXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert about inquiries on my credit report. I checked it and Clarity Services Inc has pulled my credit XXXX times. XXXX times on XX/XX/XXXX, once on both XX/XX/XXXX and XX/XX/XXXX. I am unsure what this company is, but from what I 've seen it is some sort of payday loan company. I have not applied for, nor would I ever take out a payday loan. I want these off of my credit, have contacted the company with no response and do not want them allowed to do this again. I am trying to build my credit, and repeated, unauthorized inquiries are not going to help that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently enrolled in a credit counseling and debt consolidation program through XXXX, which Net Credit signed and agreed to, but Net Credit financial solutions continues to report late charges and charge interest to my balance due that is not what they agreed to. It is making my debt and credit score worse, and supervisors are having a difficult time getting communication and compliance from the credit company.
Product: Student loan

Dear CPFB, I believe Navient illegally shorted me on tax returns, and raised my payments rates to my student loans in error/ no provable reason. I have never paid a penny in interest on anything but my student loans, my credit is outstanding, and I have never missed a payment. I have also made additional payments in the past on top of my regular payments. Due to their lack of correspondence and information provided to me despite my emails and calls, they have not given me any proof to or calculations of why they have charged me more and shorted my tax return. I am happy to speak more to explain in further detail and send more information to help file suit. 

I believe Navient should be investigated for fraudulent activity - especially their handling of customers who were with XXXX XXXX before accounts were handed off to Navient. Many customers like myself likely signed up for a 10 yr plan to payoff the loans. Significant correspondences from when my account was under XXXX XXXX has been lost under the transfer to Navient, and it is negligent that it has n't been preserved and unfair to the public because XXXX XXXX had locked out access to accounts online during the transition so there was no opportunity to save original data/documentation/correspondences from the user-end.
Product: Debt collection

I received an email on XX/XX/XXXX that an amount of {$220.00} from XXXX bridges and Tunnels has been sent to Transworld systems inc. I called Transworld system who mentioned the violation is from unpaid tolls from XXXX XXXX. However, I have an XXXX XXXX and have been an XXXX XXXX holder since XXXX. My XXXX pass account has been on automatic payment since XXXX. Also I utilize the app that states no activity was made in the month of XX/XX/XXXX. Neither have i received any notification about an unpaid debt until just now that I have been sent to collections. I am very frustrated and will submit documents showing that I indeed am an XXXX XXXX holder with no transaction activity for the month of XXXX along with the statement i received today in my email from Transworld system inc. 

If a balance is owed I require proof along with balance being taken off from collections because again my XXXX pass account has been on automatic payment with my bank on file since XXXX so there should be no reason for my account to go into collections. 

I spoke to Transworld system inc today XX/XX/XXXX and they put a dispute and they also advised me to issue a dispute. I call XXXX XXXX and when you call the automated system states if you want to dispute any collection debt to speak to the agency it was sent to which is Transworld system inc
Product: Debt collection

When I was in the military in XXXX, XXXX I was a victim of identity theft with a credit card account opened in my name at XXXX XXXX XXXX XXXX for {$14000.00}. During that time I filed a report with XXXX because other XXXX were being hacked as well. I later learned that I was a victim of the XXXX XXXX breach which I have reason to believe that it could have played a role in the reason that my information was compromised. XXXX XXXX debt collection is still currently on my credit reports for all three bureaus which has been affecting my life in many ways. I would like all collections dealing with those fraudulent accounts be deleted from my credit report as per FCRA 605B ( 15 U.S.C 1681c-2 ). I have filed this report before to Experian and it was not properly investigated and was marked as " frivolous. '' I still have the letter where they told me they would not reinvestigate due to it being a " frivolous dispute '', because ive disputed this collection before that was a result of identity theft. And Due to recent lawsuits filed against Experian in XX/XX/XXXX. I insist you conduct an investigation as you are required by the FCRA Law. I will explicitly say do not accept the findings of the furnisher, who do not provide thorough results of their investigation. Which I ask you provide me in exact detail via mail and not through your online portal. Please Delete the disputed information within the required timeline of 30 days as set forth per FCRA which is federal law. This collection has been extremely hard to deal with and Experian has made it harder these past years. Also since my last dispute XXXX XXXX changed the charge off from from XX/XX/XXXX to make it past due in XXXX of XXXX ( the month after I deputed ) which is illegal to report false information on my credit report- I need that fixed as soon as possible. I will start seeking legal help if I can't fix it myself. I have provided my state issued ID ( identification card ) and Mail from my current mailing to verify my identity. I have also provided a copy of Id Theft Report affidavit and a copy of my XXXX XXXX request which is the police report I filed when I was in the military and a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXXXXXX XXXX XXXX. They have amounts and other information not authorized by me to be advertised on my credit report.
Product: Debt collection

I requested verification of the alleged debt pursuant to my rights under the FDCPA. I am within my rights of a verification request under the FDCPA, I requested a copy of a signed contract. I Also requested that you cease and desist all collection activity, including credit reporting. I requested that you delete any and all reporting made to any consumer credit reporting agencies. You have clearly failed to address my very specific legal requests and are in clear violation of theFDCPA. Instead of sending me a signed contract or agreement signed by all parties involved as requested you mailed me a ( What they sent you ). ( What they sent you ) are NOT a contract or agreement and are nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreemen creating the debt or permitted by law. ALSO, My personal information was released without my consent or knowledge to a third party. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( consumer credit reporting agency ) credit information that is known or which should be known to be false.
Product: Mortgage

I have a XXXX account with Wells Fargo MORTGAGE. I have been trying to get a loan modification without success. I have been going through this for years now. Just when I thought I was getting ahead, and processing a modification, Wells Fargo sold my loan to XXXX XXXX LOANS. I am frustrated and still trying to get a loan modification. I do n't know if it is Wells Fargo or XXXX OR WELLS FARGO.
Product: Consumer Loan

I received a car loan through Condor Capital. I brought a used 2011 Ford Focus for a little more than XXXX, XXXX. Some how I got financed for a loan at 14.9 % which made the cost go up to over XXXX ( not sure how ) my loan was for 72 months which has me somehow paying over XXXX, XXXX for a used Ford Focus even after I put {$1500.00} down. I have been paying for the car since XXXX and still owe almost XXXX. I typically make payments of about {$400.00} a month and it never seems to touch my past due balance. My car note is only supposed to be about XXXX a month. Condor Capital had several complaints against their collections practices, however they gave me some type of bogus refund that was part of their settlement with the court and then absorbed it all back in fees that still left me with a past due balance. They are now XXXX and are harassing me everyday with phone calls regarding my past due balance even though I make my payments monthly. My car now has a bad transmission that will cost me over {$1500.00} to fix and I can not get a new car because I am still paying off this one. I signed my paperwork within seconds of deciding to buy the car and I did not realize that the {$9000.00} car I thought I was buying somehow turned into an {$18000.00} loan which has me paying off a {$27000.00} debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi My name is XXXX XXXX and I am Bringing to the attention of CFPB and the Credit Agency some Unauthorized inquiries were revealed when I just analyzed my credit report. I contacted the following creditors, and they have no documentation that I began such queries, nor have they provided any written permission, and they have failed to present any permissible reason. Although they do not have my written or verbal consent, I request that you DELETE these approved queries from my credit report as soon as possible, as there is no proof of any authorization or legal reason. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

The following inquires I have not done business with : 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  My contact information is provided below, and I have included proof of my ID with current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. Sincerely, XXXX XXXX