23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/year> - Wells Fargo closed my BILT Rewards Mastercard XXXX I call and they said i would receive a letter in the mail explaining why my card was closed. 
XXXX I call and they cant find me in their system, i did not receive any letters in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve this issue on multiple occasions with TransUnion with no resolution coming. There are several UNAUTHORIZED inquiries on my report that must be removed. Please take note of the below listed inquiries along with the dates : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX I am fully aware of my rights as it is stated clear as day under U.S Code 15 section 1681b ( c ) ( 1 ) ( A ) " ... in connection with any credit or insurance transaction that is not initiated by the consumer only if.. the consumer authorizes the agency to provide such report to such person ; or the transaction consists of a firm offer of credit or insurance ; '' I in no shape or form permitted any of these inquiries or authorized any form of credit applications to my knowledge. XXXX did not contact me nor perform any due diligence to state this was authorized in fact by me the consumer. At this point I am fully litigious and will pursue {$1000.00} for the stain on my report which is hurting my eligibility for credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX 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

Filed and attempted multiple disputes on XX/XX/XXXX - XX/XX/XXXX hence no reply or action by company. I have filed dispute over inaccurate information listed on my credit report. I have waited over 30 days and tried to XXXX and Experian a chance to resolve this issue. I filed a re-investigation, and still no lawful response XXXX and Experian has chosen to violate and ignore the statues of the Fair Credit Reporting Act. I have legal documentation of my attempts to have inaccurate and false information removed. I am respectfully requesting that the disputed and unvalidated information be removed from my credit report, in accordance with the provisions pursuant to Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ].
Product: Mortgage

My loan with Caliber Home Loans was transferred to XXXXXXXX XXXX   XXXX XXXX after the security was acquired by XXXX XXXXXXXX XXXX. I've been informed by XXXX that there are 2 months of payments missing and that they are waiting on a wire transfer from Caliber in order to reconcile my account.

Caliber did not transfer all of the funds associated with my loan and as a result, my account is showing an incorrect balance. 

XXXX has requested the wire transfer. Caliber has either been obstinate are incompetent in completing the request.
Product: Credit card or prepaid card

In XXXX, XXXX I made a mistake paying XXXX $ XXXX  to a co. With my pnc credit card I believed I owed payment, I did not realize it was not owed. The amounts did not go to my account, paid nothing. PNC credit card Co was contacted and it was talked about many times with reps and managers of PNC. One manager realized that their were no payment and gave me credit for XX/XX/XXXX and XXXX XXXXthe XXXX  payments that were mistakenly paid .they put XXXX  XXXX $ payment back into my checking, where it was paid threw, then put XXXX  XXXX $ payments back on my credit card .saying that we owed XXXX $ to cover payments.we do not know what the fees and payment are for .PNC can not show us what was paid. They will not do any background checks on my account. To show them what I am talking about. I have called local branch told only PNC credit card can change anything. We tried to escilate but a manager shut us down. We are out XXXX $ that pnc took and will not re turn.
Product: Debt collection

( NATIONA CREDIT ADJUSTERS ) IS REPORTING AN ACCOUNT ON MY CONSUMER REPORT THAT IS UNVERIFIED AND INACCURATE. THIS IS A VIOLATION OF THE FCRA AND FDCPA. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. IF THIS ACCOUNT IS NOT DELETED WHITIN 7 DAYS I WILL BE SEEKING REMEDY UP TO {$1000.00} PER VIOLATION UNDER THE FCRA AND FDCPA FOR EVERY VIOLATION AND EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY AND PUNITIVE DAMAGES AS WELL. I WILL BE TAKING LEGAL ACTION AGAINST ( NATIONAL CREDIT ADJUSTERS ) BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT ON MY CONSUMER REPORT. EVEN IF YOU ARE HIRED OR CONTRACTED BY ANOTHER COMPANY, I WILL BE SEEKING AND TAKING ACTION AGAINST YOUR COMPANY. YOU HAVE 7 DAYS. THANK YOU.
Product: Credit reporting or other personal consumer reports

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Product: Credit card or prepaid card

I made a purchase with my Chase Visa card on XX/XX/XXXX-17 to a  company called XXXX.I paid them XXXX and they never rendered me any service.I know this is outside the billing dispute timeframe but not for services not rendered.I am asking Chase to look into this as I received nothing.The bank should not let these type of companies operate a merchant account.Please help me get my money as i am retired on a fixed income.
Product: Credit card

The account has been open since XXXX. It has been in good standing with no issues. Payment has always been made on time, and well over the minimum payment due. 
In XXXX I traveled the world and did not have a steady mailing address. My credit cards are all set on auto pay, however XXXX never activated the auto pay and I had many issues with this. If my payment was due I would typically pay online, or over the phone. In XXXX XXXX I never received notice that I had an outstanding bill due. Finally, well after the payment was due and after I was reported to the credit bureau I received notice that I had a payment due. The minimum payment was for about {$120.00}, to show good faith and make sure they knew I was not trying to dodge my bills I paid {$1000.00}. I was told my account was in good standing an no further issues.
Product: Payday loan, title loan, or personal loan

The account is an over draft protection line of credit with PNC. 
When attempting to pay off the amount of XXXX on XX/XX/XXXX, my checking account was charged twice for that amount. After several days, The numbers shown on my virtual account did not reflect that I had paid the amount back nor the effects of the second payment. 

I waited several days to see if the account would right itself and it never did. I called around XXXX on XX/XX/XXXX and was told an order had been put in to fix it, and it might take up to seven days. 

Within that time automatic payments have been taken out of my account and triggered overdrafts from a line of credit that was incorrect. 

I was told specifically on the call it was not my fault but a glitch that happens every so often. I was also told that it may take shorter than seven days because the fix is within my account. I was also told their was nothing I or they could do about the overdraft charges while the account is broken I find the wait time for them to fix their mistake is appalling. As is the continuation of charges to that line of credit for overdrafts that should not have happened if not for their mistake.
Product: Debt collection

Santander has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police XXXX identity theft report ( FTC XXXX XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. AXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX I sent a letter to the XXXX along with documents from Wells Fargo and a spreadsheet showing a detailed list of every financial item from XX/XX/XXXX until XX/XX/XXXX. It was assigned complaint number XXXX and forwarded to Wells Fargo XXXX The intent of these documents was to show the deceitful way in which Wells Fargo serviced my loan and the deliberate lies made by Wells Fargo. This account was passed from Wells Fargo in XXXX of XXXX to XXXX  for servicing. Wells Fargo never directly answered my questions about the missing payment from XXXX XXXX or the disappearance of {$2300.00} in escrow that went into my account in XXXX of XXXX. The letter I received from a executive of Wells Fargo on XXXX XXXX of XXXX still claims an escrow overafe from XXXX of XXXX was applied to my XX/XX/XXXX payment. As is shown on the financial spreadsheet this is a false statement. In actuality in XXXX of XXXX the escrow account was short by {$340.00}. The so called escrow overage was funded out of the funds I sent in XXXX of XXXX. Also the {$340.00} shortage was paid along with the beginning scrow balance of {$730.00} on the XXXX XX/XX/XXXX starement. The letter stating there was a escrow overage in XX/XX/XXXX was sent in error. Why Wells Fargo was not honest and say it was an error is what I did not understand. When reviewing the spreadsheet I Found that wells fargo intentionally caused my attempt to refinnce and get my mortgage undern90 days late was blocked by reversing the XX/XX/XXXX payment on XXXX XXXX. THE {$1200.00} was also taken back and never accounted fot as it is not included in the YTD amount paid in XXXX nor is the YTD amount paid into escrow correct. .This isnt correctable by Wells Fargo XXXX I want the appropriate legal action taken against Wells Fargo. Also if Wells Fargo applied a advance of {$2200.00} around XX/XX/XXXX where did it go? The amounts due for this account were not correct when handed off to XXXX. I notified both corporations. Also, I verbally requested a legal firm be added to my account in XXXX of XXXX in a 3 way conversation. Wells Fargo granted them access on XXXX XX/XX/XXXX. 6 days before they made a final decision on my request for a modification.This cost me {$6000.00} and they never had a chance to see anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous company was issued a merchant cash advance by XXXX in 2016. The company was liquidated in a chapter XXXX bankruptcy. I recently discovered that XXXX is reporting the advance on my personal credit report as a write off. The problem is, I never signed a personal guarantee, and would not have signed a personal guarantee for a merchant advance. Therefore I am not personally responsible for this debt. I received a copy of the contract from XXXX, and it clearly has no signature in the personal guarantee section. When disputed with XXXX, their response was that since it is allegedly an electronic signature, it won't show up on the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and saw that i have a Collection account with the company XXXX and unauthorized inquiries listed on my credit report. The first thing i did was immediately filed a Police Report since i had been a victim of Identity Theft and someone used my name to open a fraudulent account. When i contacted the company XXXX, Experian XXXX XXXX XX/XX/2023, The representative was extremely loud, rude, condescending and disrespectful. I am shocked that XXXX would have a person like this work at their company. I have endured a lot of stress, pain and suffering after speaking with the rep who refused to give me her name. I filed a Complaint with FTC and will also file a complaint with XXXX  against XXXX.
Product: Credit reporting or other personal consumer reports

Letter sent, phone calls. To stop reporting on a monthly basis without written consent to report monthly.
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. 

1, 2 accounts under the same company XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Product: Debt collection

After telling Sun loan of my identity theft problems and showing the necessary documentation I was disregarded and not taken seriously. This will be my third attempt to have this account removed
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the conduct of XXXX in handling unresolved disputes over several unvalidated and inaccurate accounts on my credit report. I have received repeated stall letters in response to my disputes, and accurate resolution has not been provided despite a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure verification and accuracy of credit reporting information. 

**Accounts in Dispute** : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX These accounts are inaccurately reporting on my credit report across all three major credit reporting agencies, damaging my credit score and misrepresenting my credit character. The lack of resolution is a violation of consumer protection rights and has resulted in significant negative impacts, including credit denial, increased stress, and reputational harm. This aggravating situation can be addressed through corrective action, with the potential for seeking punitive damages due to negligent reporting practices. 

**Impact and Damages** : - **Credit Denial** : I have faced denials and unfavorable financial terms due to these inaccuracies, harming both my financial opportunities and credibility. 
- **Emotional and Reputational Harm** : XXXX stall tactics and inability to provide timely and accurate resolutions have led to distress and a tarnished reputation. 
- **Possible Legal Action** : Due to such negligence, XXXX could face legal action under FCRA provisions seeking both actual and punitive damages. 

**Requested Relief** : - Immediate deletion of the abovementioned unvalidated and inaccurate accounts from my credit report, ensuring all details reflect accurately across their reporting systems. 
- An acknowledgment explaining the actions being taken to rectify these discrepancies immediately. 
- Measures to ensure compliance with FCRA requirements in all future reportage. 

I urge the Consumer Financial Protection Bureau to intervene and ensure Experian acts to correct these inaccuracies and halt any further damage to my credit profile. 

I appreciate your attention to this urgent matter and anticipate your support in compelling XXXX toward strict compliance and consumer justice.
Product: Credit reporting or other personal consumer reports

This is the law you use! Send this to XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the XXXX period described in subparagraph ( A ) may be extended for not more than XXXX additional days if the consumer reporting agency receives information from the consumer during that XXXX period that is relevant to the reinvestigation. 

XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Product: Checking or savings account

On XX/XX/year>, a JP Morgan Chase Teller wrote down an incorrect routing number for an ACH same day deposit for my account on a Chase payment slip. Based on the information that I was given provided it to the organization making the deposit. Because of the incorrect routing number the bank teller wrote down, the funds were held and finally returned back to the sender days later. We made several trips to the bank and several phone calls trying to track down the funds that they could not locate for days. We were never notified of the funds being held or returned. Without having the funds, it created a financial hardship. 

On XX/XX/year>, in addition, there was a check deposited into the account. We were told there would be no hold on the funds. The funds were cleared the same day of deposit. The bank extended the hold 3 times and never notified us in writing as required, about why or what the hold was about. Once again causing another hardship the loss of thousands of dollars. 

Complaints were submitted on our behalf by Chase employees regarding the issues and we received a call from their XXXX office who denied our request claiming no fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX I was involved in a eviction with my apartment complex due to nonpayment of rent. I was order to pay the apartment complex {$2300.00}. At that time I was under the XXXX XXXX XXXX XXXX for HUD VASH, and was referred eviction/ rental assistance to pay off amount. The veteran agency issued the apartment complex XXXX XXXX a check on XX/XX/XXXX and the paid/ cleared date of the check was on XX/XX/XXXX in the amount of {$2600.00}. XXXX XXXX  sent account to the collection agency XXXX XXXX XXXX XX/XX/XXXX for the amount of {$2300.00}. I tried to contact XXXX XXXX  XXXX XX/XX/XXXX and XXXX XXXX in which i sent documentation of proof of payment. and they decline to delete due to paying prior to going into collections.
Product: Checking or savings account

On XX/XX/XXXX I went into XXXX in XXXX  to use XXXX XXXX to pay a bill. I created the ticket then went to the register to pay. I swiped my card a couple of times to pay but kept getting declined. I then received a text from USAA to confirm the purchase. Before I could confirm the purchase the cashier voided the transaction. But as soon as she did that I confirmed with USAA that the purchase was correct. USAA sends the money immediately from my bank account to a voided transaction. I disputed this transaction with USAA to fix the issue. They sent me a credit after waiting 10 days then on XX/XX/XXXXXXXX  they reversed the credit and took XXXX from my account after finding that the purchase was " Approved ''. The money sent to XXXX never went to any transaction and I have been told this by the store manager and the district manager of XXXX. It's been almost 4 months and I have not yet received a refund from USAA or XXXX. I've talked to multiple people from each business with no one to actually help me. The USAA dispute department hasn't done any investigating into XXXX besides look at bank statements. I finally got ahold of someone in the department where they wanted proof of refund from XXXX. I never got a refund from XXXX. I have proof of 2 voided transactions from XXXX on XX/XX/XXXX. Also a email and multiple phone calls to XXXX XXXX asking if they have the money using the tracking number. Called XXXX XXXX which is where the money was going to. They have zero record of the money sent to them. I feel that USAA is doing nothing to help mein my situation at all when they were the ones that immediately sent the money over.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address Experian 's failure to properly investigate and resolve fraudulent items on my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Despite submitting all necessary documentation, including an FTC Identity Theft Affidavit # XXXX, Experian reinstated fraudulent accounts without providing a valid reason. 

These fraudulent accounts consist of a loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a loan opened at XXXX on XX/XX/XXXX under the account number XXXX, and a loan opened at XXXX on XX/XX/XXXX under the account number XXXX Experian has also failed to process my disputes under FCRA 605B and has not disclosed their method of investigation as required by FCRA 611 ( 15 U.S.C. 16811 ).

I demand the immediate removal of these items within four days of receipt of this complaint to ensure compliance with federal regulations. I've attached all required documents for you to properly process my request in accordance with FCRA 605B.