23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I went to XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX was the first due date for my medical bill, but it seemed like XXXX XXXX in XXXX XXXX was charging way too much, so I called them to ask for an itemized bill. I had to call them multiple times to try to get an itemized bill with billing codes. During this time, they told me to disregard any due dates until they resolved the matter. I received a bill with billing codes, and they were charging me for an extended visit of XXXX hours when I was only able to see the nurse and doctor for less than 10 minutes before they told me that I would need to go to the ER. On XX/XX/XXXX, I received a collection notice from KLS Financial Services , Inc. for the bill that I was disputing. On the same day, I called XXXX XXXX about the collection letter and they said that they would send the matter to management to try to get a resolution. On XX/XX/XXXX, I called XXXX XXXX again to see if they had resolved the matter, which they had not, so they said they would send it back up to management with a note that I had called again.
Product: Credit card

I have a credit card with Wells Fargo Bank.    A  pproximately one year ago I obtained this credit card, and it came with a 0 % promotional interest rate for 12 months.
For the past 11 months I have been making payments online through the Wells Fargo website.     My 0 % promotional interest rate expires on   XXXX   XXXX   XXXX     I w  ent to the Wells Fargo website to schedule a payment for my entire balance, {$9700.00}.
However, when I submitted the payment on the wells fargo website, I received the following message : " Requested transfer amount exceeds limit '' I contacted Wells Fargo, both their online banking department and their credit card department. Neither depart  ment was aware of any limit and/or why I received this message.   I had to then resort to contacting the credit card department and giving them my checking account routing number and account number to make the payment I did not receive a message of what the transfer limit was, or if there was any other way to accomplish this, merely that my requested transfer exceeded the limit.   T  he implication is that Wells Fargo is making it difficult and inconvenient for customers to pay large amounts on their account, resulting in possible interest charges to the consumer if they are not determined enough.
I also find it difficult to believe that neither the Online banking department or credit card department was unable to give me an explanation as to why I had received this message, and find it more difficult to believe that this issue was never raised previously by a customer to Wells Fargo, the implication being that Wells Fargo is well aware of this practice, the same way they were aware of the practice of opening up false accounts in customers nam  es
Product: Debt collection

I had a credit card through Credit One that I asked them to close my account since I lost my source of income, and freeze the interest so it would not increase the amount I owe, I called them numerous times and wrote several letters but They refused to close my credit card account and racked my balance to almost double my credit limit. Then they immediately sent it to Midland Credit Management credit collections company. Now Midland is harassing me and threatening to take me to court. I tried to tell them nicely that I had an open dispute with XXXX bank since they refused to close my account when I asked.They will not accept my dispute claim and continue to XXXX me for almost a thousand dollars. I told them I do NOT owe near that amount, but they refuse to accept my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX XXXX XXXX - balance is showing as {$1100.00}, no account number listed ; account stated opened XX/XX/XXXX ; company address XXXX XXXX XXXX XXXX CA and XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX, listed on both Equifax and XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Second Complaint Regarding Bank of America Account XXXX Violation of Credit Reporting Laws and Notice of Default Dear Sir or Madam, This letter serves as a second formal complaint regarding Bank of Americas continued improper credit reporting related to an account that was discharged and reported to the IRS via Form 1099-C . Despite my previous complaint and the legal discharge of the debt, Bank of America has failed to remove the account from my credit report, in clear violation of applicable IRS and U.S. credit reporting laws. A copy of the original Form 1099-C, dated XX/XX/XXXX, is attached again for your reference. 

As per IRS Code 26 U.S. Code 61, the canceled debt is considered taxable income and can not legally be treated as an active debt. Furthermore, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXeporting this canceled debt as outstanding on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), as it mandates accurate reporting of debt information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : - Form 1099-C ( Bank of America Account ) - Relevant IRS and U.S. Code References
Product: Checking or savings account

Capital one says that they have had an outage. This outage has affected direct deposits/ paychecks to be deposited. As of right now my paycheck is 2 days delayed. I live paycheck to paycheck nowadays. So time matters. I will now have late fees if things don't get shut off. Capital one has not given updates on am eta when this will be resolved. I will be switching banks but all of us would also still like the money we are owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Tech Federal Credit Union based in Oregon is intentionally abusing my credit account. I had three loans with them : 1 ). XXXX XXXX XXXX Auto Loan. 2 ). XXXX XXXX XXXX Auto Loan and 3 ). Credit card. 

I paid off item # 1 with no problem and received the title. 

For item # 3, the credit card : After getting laid off from XXXX in XXXX, I had difficulty with the credit card payment and interest. I was able to make large payments but they kept collecting interest at over 28 %. Finally, it became late and they " charged off the account. '' They are reporting me " late '' for this account as of XX/XX/XXXX, and this " late '' account is for 30 days past due in XXXX! 
This account is in charge off but they are reporting me late. 

Item # 2, the XXXX XXXX XXXX was paid off this year but they are reporting that I owe a balance. According to my monitoring program, " XXXX XXXX '' by XXXX  XXXX, they are not reporting me current either. I have filed corrections with the bureaus and the problem still persists. 

Furthermore, First Tech Federal has not released the title for the XXXX XXXX. In sum, they are reporting the wrong balance and not reporting I paid off this loan. They are also not releasing my title. 

Overall, they have been very difficult to work with. I've sent emails to the CEO and nothing happened. Regarding the credit card, the last " program '' they offered me was to make payments. I agreed but they LOCKED me out of my account and turned off my debit card ( I used this at a co-op credit union to made payment deposits ). Their action required me to go to their branch miles away to make the payment in person. I did this for the XXXX XXXX  and paid it off, as mentioned. First Tech Federal is abusing my credit report and me and keeping my credit score artificially lower due to their lack of reporting. One last thing, they always reported me " late '' on my XXXX XXXX  each month ( when I was late ). This is proof that they know how to report monthly and this is not an oversight on their part but intentional.
Product: Credit card or prepaid card

I have been having health issues lately and was hospitalized twice with the second hospitalization involving  XXXX . This happened simultaneously. While I was in the hospital my daughter made sure that all of my  XXXX  forms was completed and sent to  XXXX   XXXX  which carries the insurance for Synchrony Bank. Until this point I always made my payments on time.  XXXX   XXXX  never processed my forms even though I sent the forms to them quite a few times ( I have confirmations and emails to prove it. ) Had   XXXX   XXXX   processed my paperwork when it was received instead of waiting a month after I sent it to process it my payment would 've been made on time and I would n't have had no problems with my account. Synchrony Bank has closed all of my accounts which is unfair because I had no choice in deciding to become ill. I am so disappointed because this is making my credit look awful and if they research my history they will see that until I became ill and had to deal with  XXXX   XXXX  there was not an issue with my account. I had submitted my claim several times and was told that they never received them however, I received confirmations that says sent. If Synchrony Bank would look at the number of times I submitted my claims and when  XXXX   XXXX  should have paid them they will see that I did do my due diligence.  XXXX   XXXX  delayed processing my claim and claimed that it was not received. This is complete wrong and unfair. I pay for insurance and it should not be that  XXXX   XXXX  delay making a payment on the account so Synchrony will close the account and that relieve them of liability.
Product: Money transfer, virtual currency, or money service

My XXXX account was compromised on Sunday, XX/XX/XXXX. The account had all levels of authentication removed except my email and phone number, yet they added an additional level of third party authentication that I can not bypass. 

They then used the XXXX account I had linked to this account to " XXXX Verified '' and open a XXXX Business account, where they then charged an undefined amount for advertisements posted under my name, using my identity. 

In order to reach out to customer support, I had to pay for XXXX XXXX on their sister platform, XXXX, where I provided all necessary information. I was told that someone would be in contact with me between 12-24 hours and I haven't received any additional information and can no longer communicate with the individual I spoke with originally, if they were even a human and not AI.

I would like to regain access to my account to confirm that I have not been charged on numerous accounts that have been used for payment on their platform, but in order to do so, I need cooperation. The uncertainty has caused unfathomable stress and anxiety for myself as well as my family, as we're unaware of the true impact of this identity theft.
Product: Prepaid card

In XXXX of XXXX I received 4 cards issued by American Express Prepaid Card Management Corporation, XXXX XXXX XXXX XXXXXXXX. Website www.amexrewardcard.com. With a listed address of XXXX XXXX XXXX, XXXX, GA XXXX. 

Rewards cards we issued in the amounts of 3 X {$100.00} and 1 X {$50.00}. There is a balance that shows online and available for each of these cards. I have been told this card can be used at numerous retailers but it is declined at each retailer. 

I am currently unable to use the cards there is an expiration on these cards as of XX/XX/XXXX. 

Each of the retailers attempted accept American Express cards ( XXXX, XXXX ). 

I have been unable to get assistance or resolution from a team member, supervisor, or manager. Ref : Case # XXXX & XXXX. 

I am unable to get assistance as to why these cards are being declined at each of the retailers from American Express Prepaid Card Management Corporation even when following all published directions on their website.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit reports, and noticed some inaccuracies on my file. I then contacted each of the three major credit bureaus to have these items investigated. XXXX removed all items that I was concerned about. XXXX and Transunion refuses to follow their own laws put in place. All items investigating must be shared between all three major credit bureaus in order to report the same information on all three bureaus. In accordance with the fair credit reporting act these creditors or creditor has violated my rights under 15 U.S.C. 1681a sec 603 15 U. S. C 1681 sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction The following creditors have not provided adequate validation and has violated my rights under FCRA 15 U.S.C 1681a sec 603, 15 U.S.C 1681 sec 602a and 15 U.S.C 1681 sec 604a sec 2, remove account immediately.
Product: Debt collection

This account is and has been resolved since XX/XX/2013 but Wells continues to report balance owing on my credit for the past few years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failure to provide original source investigation documentation used to verify account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information is being reported by XXXX XXXX XXXX XXXX, XXXX, Experian, and XXXX. 
As of XX/XX/XXXX, there has been no activity. Despite being charged off, this company continues to make bad faith and erroneous reporting of this account to lower my credit score every month. Latest reporting XX/XX/XXXX. In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act because of the hardship resulting from it. 

I am looking for an immediate remedy and sanctions against this company and the Nation Credit Reporting Agencies for violation of The Fair Credit Reporting Act XXXX. 

XXXX XXXX XXXX Experian XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card- Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$600.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$640.00} Credit Limit : {$0.00} {$500.00} {$0.00} Past Due : {$600.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off as bad debt Account closed by consumer Credit line closed - consumer request - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Account closed at consumer 's request Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address multiple inaccuracies reported on my XXXX, XXXX, and Equifax credit reports. These inaccuracies include fraudulent accounts, unauthorized hard inquiries, and outdated or incorrect personal information. Despite providing supporting documentation, including an FTC Identity Theft Report and proof of identity, XXXX, XXXX, and Equifax have failed to resolve these issues in a timely and accurate manner. I am requesting the immediate removal of all fraudulent and incorrect information pursuant to my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I went to buy the car and drove off the lot and XXXX minutes later I was stuck in a intersection unable to go because the transmission had went out, the dealership towed the car back to the dealership and I signed a contract to cease the autoloan and possession of the car and received a check same day with the money I put down, and this loan is still on my credit report as if I still own the car and make payments when I dont. There is also missed payments reported when this is not true.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Trans Union to remove all inaccurate information such as addresses, phone numbers and work info. Once i filed the dispute it was closed within minutes and doesnt show up on my recent disputes. All of the incorrect info is still on my consumer report.
Product: Credit reporting or other personal consumer reports

Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the XXXX notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS XXXX NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN XXXX  MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS COMPANY CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS COMPANY IS NOT HONORING MY RIGHTS AS A CONSUMER. THERES NO REASON FOR THIS CREDIT COMPANY TO CONTINUE TO REPORT AND FURNISH FRAUD ACCOUNTS ON MY CREDIT REPORT, MOVING FORWARD ILL WILL BE SUEING THIS COMPANY FOR NOT HONORING AND RESPECTING MY CONSUMER RIGHTS, AND FOR AGGRAVATED IDENTITY THEFT FOR FURNISHING AND REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This started back in XX/XX/2021 I called XXXX XXXX  a vehicle loan company to inform them I was having issues due to the Covid 19 problems with my pay being shorted they did not want to help other than tell me I could catch up by paying more the next XXXX payments. That doesnt help when your pay gets cut. I then found a statement form them on their website explaining that they were not reporting lates if you were affected by the Covid 19 issues. I contacted them they were not very helpful I then contacted them every month since to report the credit the way they stated they would on the webpage. I then notified the XXXX credit reporting agencies Trans XXXX and XXXX  about the issue of reporting wrong information they said they had the correct information being reported by the creditor no dispute was necessary. I then wrote all three reporting agencies and XXXX XXXX  and even had print outs and credit report statements added in these letters showing what I was reading and seeing and they would not do anything about it. XXXX did change the late pats to a freeze at on time during that time so cant complain about them transunion has said they do not investigate weather the information is correct or not other than contacting the creditor I explained that thats not investigating that is taking one sides word over the whole story and going with it since they pay to be reporting that is not correct. XXXX again has lost the dispute and wants to have me send another. Now transunion says they had made a mistake and is further investigating the dispute and just wants to add a statement that I was effected by Covid I said thats not good enough if the creditor says they are gon na do this they need to do this for everyone that was effected I have dates names of people spoke to and times of conversations dates and information sent via mail out and of mail being excepted at these reporting agencies and credit acceptance. I am tired of XXXX XXXX corporations and these credit reporting agencies picking on people not correcting information especially in these times that people are reliant on their stupid scores for everything from rent to insurance to utilities even sometimes being given a job or denied a job. These scores since they think they are so important need to be reflected as correctly as possible and they dont seem to care. My score dropped on trans union alone from a XXXX in XX/XX/2021 to a XXXX last month. I have not been late on anything nor have I applied for any credit everything is basically the same from that time till now except my credit acceptance account. Which again needed help with but they refused to do anything but let me be XXXX days late then XXXX got a 30 day and a 60 day late all the way till last month. Now they are calling every hour and not answering the other line they wont leave messages but I have a phone log of them calling every hour or XXXX same day for several days in a row. Illegal as all can be.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel pissed since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
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 furniture # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

Ive call Equifax multiple time on multiple days because my credit file has been mixed with my XXXX  sibling. My equifax is saying I have no credit and showing my personal information as my twin siblings. They havent fixed it and continue to tell me Im wrong when Ive had XXXX mortgage lenders pull it and confirm. Ive paid for it on the XXXX app and that even says I have NO CREDIT for Equifax however I have good and established credit on the other XXXX credit unions. Theyve not fixed this and its been just over a month.