23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have had my account suspended and disabled I tried to reach the account team to Square with anyone in the team itself. No one answered my questions. No one has sent me an email since today. I have requested more information on why my funds are still being held I have called numberless of times, but no response
Product: Checking or savings account

Wells Fargo failed to honor a settlement offer made to me in XXXX by XXXX XXXX, a rep with Wells Fargo. The offer amount, {$3700.00}, was never received and it is now XXXX. Prior to this, I requested a refund in the amount of {$610.00} which includes mainly overdraft fees charged to accounts not authorized. A total of four mediation request forms were sent in, XXXX XXXX contacted me, offered settlement amount. Since no payment was received in re, additional CFPB complaints were filed. XXXX replied most recently stating numerous attempts at resolution were made, which is a lie and seems to provide the same general form response to each and every complaint. I can assure the CPFB there were no such attempts and Wells Fargo is fully aware of resolution which has been detailed numerous times. I will reiterate again here, refund of {$610.00} will resolve matter since no settlement payment was received. I have contacted the XXXX XXXX City Attorney as per instructions from a XXXX, a rep with class counsel for Wells Fargo Settlement. XXXX informed me Wells Fargo is involved in at least three class actions, XXXX Settlement, WF Settlement, also a settlement with all 50 states and the Attorney General of each state.. I have also contacted Attorney General here in Connecticut as well as California, advised them of my situation. I suspect XXXX will provide the same carbon copy reply in which case I can assure any third party Wells Fargo claims of attempts at resolution are 100 % false and bogus, he has not detailed one such attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper investigation according to the FCRA. 

The terms investigative consumer report means a consumer report or portion of there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also they have violated my rights even more In accordance with Fair credit reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active inaccurate and the date last reported is not accurate. This ground for removal. 

They also violated the because according to 15 U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

I refinanced where I paid down the balance and paid for a lower interest and was told the payment would XXXX before even making payments they it to XXXX after stating a mortgage analysis I called talk about the insurance said was reason my insurance reduced rate and the bank said my payments would back to normal but no they increased again for month of XXXX I send emails to loan officer who just decided to refer me back to bank. I was also mislead at the closing I asked my own title company and they assigned one
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 
Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Account Number : XXXX Dear LVNV Funding, LLC, I am writing to formally notify you to cease all collection activities regarding the above-referenced account. I dispute the validity of this debt and demand that you immediately stop all communication with me, as well as any attempts to collect this debt. 

Please be advised that under the Fair Debt Collection Practices Act ( FDCPA ), you are required to honor my request. Failure to do so may result in legal action against your company for violations of the FDCPA. 

I would like to bring to your attention the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX XXXX ). In this case, the court ruled that continued collection efforts after a valid cease and desist request can result in significant penalties, including statutory damages and the payment of attorneys fees. Your company is hereby notified that any further communication with me, outside of the exceptions provided by the FDCPA, will be considered harassment and a violation of my rights. 

Therefore, I demand that you : 1. Cease all communication with me regarding this debt. 
2. Refrain from reporting or continuing to report this debt to any credit reporting agencies. 
3. Ensure that any negative credit reporting related to this debt is promptly removed. 

Please confirm in writing within 30 days of receiving this letter that you have complied with my request. Any future contact from your company, aside from acknowledgment of compliance, will be met with legal action. 

Thank you for your prompt attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I started to receive statements from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  and XXXX which were not my accounts. Theses were all fraudulent charges made without my knowledge. All creditors have been notified
Product: Credit reporting, credit repair services, or other personal consumer reports

I made an online payment of {$80.00} on XX/XX/XXXX to my line of credit with XXXX  XXXX XXXX ending XXXX using my checking account at XXXX XXXX XXXX ending XXXX, the payment was not applied correctly and I have been calling many times in order XXXX XXXX XXXX make the correction and not succeed. I have been paying same way since XX/XX/XXXX with not problem till now, XXXX XXXX XXXX is reporting negative information to credit bureaus hurting my credit scores. XXXX  XXXX XXXX did withdraw the money from my checking account on XX/XX/XXXX and they are not giving me any solutions.
Product: Debt collection

Beginning on XX/XX/XXXX Dynamic dedicated Financial Partners began to call me 5-10 times a day. I never answer number I do not know. they never left a message. At XXXX n XX/XX/XXXX I answered the phone and told them not to call me again. At XXXX they called back using a un-available number and at XXXX XX/XX/XXXX they began to call every 10 minutes even after being informed under the Fair Credit protection act to cease and desist, and even so far as calling them on their own number and speaking to " Supervisors '' and the " President " of the company and informing them that I had every intention of hiring a lawyer and sue them as well as laughing at my threat to file this report. To date they are still calling 5-10 times a day.
Product: Credit card or prepaid card

In my recent credit updates with my mortgage company ( attempting to purchase a new home ) i was alerted that BarclaysXXXX XXXX was reporting me 30 days past due. I have not used this card so this information was incorrect. On XX/XX/2022 Barclays advised me that a letter was sent out stating that the account had been corrected and the late mark was reversed off of my credit report. On XX/XX/2022 my mortgage company issued a new credit report as Barclays updates on the 4th of every month. In this update, Barclays is now reporting me 60 days past due and did not update my credit profile as they stated they would. In calling the credit dispute dept of Barclays, we were met by a rude misinformed representative name XXXX. He proceeded to raise his voice yelling that we had to file a dispute with XXXX and XXXX only to fix this. This doesn't make any sense as Barclays are the ones that submitted this wrong information to the bureaus and XXXX can not dictate what they or the other bureaus report. This representative then hung up on me and pushed us to the survey line.
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of the recent investigations that have been brought up against Equifax, I have found the my credit profile is being irresponsibly tampered with. Over the past two years, I've made several attempts to remind you of the obligation pursuant to 15 USC 1681. It seems as if you are intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681E ( b ) assures that I am due, promised accuracy in my report based on federal law. I am sending this complaint as another attempt to have these errors corrected. 15 USC 1681 ( A.5 ) says that after the reinvestigations all of the unverified information must promptly be removed. As you should see in records, these accounts were disputed without being properly investigated thus I know that they can not be verified or validated. 
The accounts that I am referring to are listed below. 

XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am attempting to unfreeze my credit with Experian. I do not have my PIN or my password, and I am stuck in an impenetrable loop trying to verify my identity. The website asks for my phone number to text me a code and says it has been sent but it does not arrive. I then use the voice option, but the call does not come. The phone system does not allow me to get in touch with a human being. My wife has tried this as well and runs into the same problem. 

I had no problem with either XXXX or XXXX. Only with Experian.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I just checked my XXXX account today and I saw a collection account that I have no knowledge or idea of. 
Account Name : XXXX XXXXXXXX XXXX Account number : XXXXXXXX XXXX  Account Balance : {$1500.00} Date opened : XXXX XXXX XXXX Past Due : past due as of XXXX XXXX. 
I have no knowledge of this account until today I saw it as a collection account with you guys. 
I believe before you assign an account as a collection account you must have verified the information such as the debt validation letter, the original application with my signature, the payment history of the account to show proof as to how you came about with the account balance but am yet to ever have a communication with this company talk less of having the above mentioned documents. 
so I am requesting the following to be sent by mail within 2 weeks. 
- A debt validation letter and proof this company is able to collect this debt - Send the original loan application with my signature - Payment history to see how you arrived at the debt amount of {$1500.00} If your unable to provide me with this documents then you must delete this account from my report. I believe this information was not even suppose to be on my report without the above requested documents and communication established with me by the collection company claiming this debt is mine in the first place. If am not able to receive this documents then I reserve the right to sue for wrongly reporting my credit account as an effort to hinder me/ prevent me from getting certain benefits like loans or getting better interest rates as a result of knowingly and willfully reporting false information on my credit report without investigation
Product: Debt collection

XXXX XXXX XXXX, obtained this debt because my dog became very ill. I managed to use my mothers XXXX XXXX and sign up for this a plan to be able to only pay as less as I could during that time, due to being laid off from work. I did visit ban field again and was behind on payments within the first 2 months, and I couldn't have my other dog seen because of it.
Product: Checking or savings account

I received a {$100.00} non refundable legal fee on my checking account because California Child Support made an error in sending a Levy to the bank that should not have been sent for a past due balance on Child Support. I have made my Payments on time each pay period. First Tennessee charged {$100.00} to process a {$290.00} levy that was an error. I called twice on XXXX-18 at  approximately XXXX-XXXX. They told me that even if it is an error they werent going to waive the fee because its non refundable. This totally wrong and another example of a bank abusing its Financial Power.
Product: Credit reporting, credit repair services, or other personal consumer reports

The state of Michigan listed my child support account as not paid and sent to collections in XX/XX/XXXX and paid and closed in XX/XX/XXXX. I contacted Experian and provided a printout showing payments of {$320.00} have been made every two weeks through income withholding. I have also sent a check for {$20.00} every two weeks. This printout shows payments going back at least 6 months. The record being reported is stating that XX/XX/XXXX is when the account began, however the support agreement with Michigan was opened in XXXX. They are intentionally trying to add this to my credit file with a recent date that is incorrect. 
It is beyond any reasonable view that an account that shows a decreasing balance each month, doesn't accurately reflect the payments that are DECREASING the balance. I provided this information to Experian, yet they are still reporting the account as being a collection and opened in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$700.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00}.
Product: Debt collection

My identity has been stolen. I received a court document stating I owe {$3500.00} from Mid Land Credit Company. I have knowledge of how, when or where this account came from. I am not responsible for this debt.
Product: Bank account or service

A merchant submitted an ACH 2 1/2 weeks after the transaction occurred. The bank reversed all my already posted transactions, apples the two week old transaction then reapplied my already posted transactions charging me in excess of {$90.00} in overdraft and will be charging me additional overdrafts for the reversal. When asked, they could not assist. The call was recorded and upon transfer the call was dropped. I then return call and asked them to refer to system notes. Representative advised there were none and that they do not keep account servicing notes. XXXX calls have been recorded by me XXXX
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. 


Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : Untitled Account XXXX has violated my rights. Or list of inquiries 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.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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : Untitled Account NumberXXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

According to FCRA 605B, we need to remove any incorrect accounts from my credit report. Can you review the documents? There are inaccuracies in the reporting of some accounts, including amounts and dates.
Product: Mortgage

This is with Sterling National Bank. XXXX bought out my mortgage company, XXXX XXXX, in XXXX. I had paid off my mortgage in XXXX but XXXX never filed release of lien to my county records. This is causing my new mortgage to be rejected. I had called XXXX numerous times for them to send appropriate paper work to my county. They tell me that I have to email to their research department and there is no phone number for me to call. They refuse over night mail or emailing of my documents. Since they have collected all the money they can out of me, XXXX is in no hurry to correct a mistake made over a decade ago.
Product: Debt collection

A collections agency EOS CCA offered an resolution of debt authorized by client with a lump sum settlement of 55 %. I paid this to protect my credit. Some time later another company XXXX XXXX XXXX wants the remainder of the balance. I sent XXXX a copy of the settlement statement from EOS and proof of payment with no resolve.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Revolving opened on XX/XX/XXXX and a balance of {$15000.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX Revolving opened on XX/XX/XXXX and a balance of {$2300.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Inquiry from XXXX XXXX XXXX  XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Debt collection

Portfolio Recovery calls at least once a day for the last XXXX years. We 've told them years ago to quit contacting us.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT WAS OPEN WITHOUT MY KNOWLEDGE
Product: Debt collection

According to Tennessee state licensure verification, Enhanced Recovery is not licensed to collect in the state of Tennessee. I have requested verification to collect a debt in the state of Tennessee. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XX/XX/XXXX. This is also a debt that states it is from XX/XX/XXXX. The amount of the debt is {$740.00}
Product: Credit card

Opened up a credit card in my name. I told him not to open one up unless his and my name was on it due to the fact he is the only one that has had a job and pays all the bills for the past XXXX years. All the bills has been in his name there has never been one bill in my name and what I said above is why. He has been opening up other accounts in my name on purpose to ruin my credit and he has been looking for multiple reasonings that isnt real to have me arrested.
Product: Credit card

I was notified today, XXXX XX/XX/year>, that my credit limit on my Mattress Firm credit card was lowered from {$5300.00} to {$3200.00}. This represents a nearly 40 % reduction for no reason. I have paid this Mattress Firm account religiously since I used it to purchase a bed frame and mattress, and am taking advantage of a fixed payment plan. As a result, my available credit went from 60 % to 97 % in a matter of moments. I am requesting an immediate return to {$5300.00}, as this is an egregious reduction done so for no reason, and done by accessing my credit report without my authorization. I am in the middle of a dispute with my mortgage servicer on their reporting of a late payment, so this reduction should not have occurred with that factor included in the decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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 an account without my written instructions.