23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I'm sick and tired of waiting a whole entire week for venmo to not let me have access to my money, I lost my wallet so I uploaded a previous version of my ID that I've had the driver 's license which is my picture with my information nothing 's changed after I've submitted documentation of last Saturday, every type driver 's license bank statements utility sheets for addresses my social security card this is prejudiced and this is 100 % what XXXX countries do now my bank account is over drafted {$11.00} because they have not given me access to my money in over 7 days and that's the time of starting when I gave released my documentation to prove that it was me I'm sleeping in my truck right now I have no food I have no gas and I've nowhere to go and I've called them for the past 5 days and they have not done anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX  XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 card

I used to have XXXX credit cards issued by Barclay bank, and have a perfect payment history with these cards. But recently the Barclay bank closed all the XXXX cards without any notice. I called the bank but they did not providing me any specific reason other than saying a notice letter is on the way, and refused to re-instate these accounts. 
I just paid the annual fee {$89.00} for the arrival plus card in XX/XX/XXXX, and have XXXX awards miles ( which worths {$550.00} ) in the arrival plus card, and XXXX awarded points ( which worths {$13.00} ) in the extra points card, both are accumulated from my previous purchases. Now I could not redeem these awarded miles and points online as the accounts were closed, and Barclay bank refused to give me back these rewards. It 's unfair to me because I always obey the credit card rules and earned these rewards according to all terms and conditions, but the bank seems to take away them and take advantage in finance by ending up the customers ' account abruptly. 
I would like to seek your help to get back my rewards ( $ XXXX+ {$13.00} ) and annual fee ( {$89.00} XXXX from Barclay bank, which is totaly {$650.00}.
Product: Credit card or prepaid card

In XX/XX/2019 I closed my Wells Fargo credit card account because they had, multiple times, committed clerical errors without notification that have actively damaged my credit score. I paid the balance in full when I closed the account and moved on with my life. 

In XX/XX/2019 a charge of {$7.00} posted to that closed account from a subscription whose card info I had not yet changed. Instead of rejecting the payment ( because the card was cancelled ), Wells Fargo added a balance of {$7.00} to my CLOSED ACCOUNT. 

They did not alert me. I had no way of knowing they had done this. They charged me {$1.00} interest for XXXX and {$1.00} for XXXX. This brought the total charges on my CLOSED ACCOUNT to {$9.00}. 

In XX/XX/2019 I received a Credit Alert from XXXX that Wells Fargo had posted derogatory feedback on my credit report, dropping my credit score over 100 points. 

I contacted Wells Fargo and XXXX. Wells Fargo agreed to remove the negative feedback from my credit report and it appears they did. 

My credit returned to over 800. 

A week later, Wells Fargo posted more negative feedback to XXXX   ABOUT THE SAME {$9.00} THEY ALLOWED TO BE CHARGED ON A CLOSED ACCOUNT, dropping my credit score more than 60 points again. 

I have called the Wells Fargo Credit Bureau Dispute Resolution number multiple times and left multiple voicemails with no action thus far. 

The Dispute ID Number is : XXXX Please help me.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting Act the list of accounts below have violated my federal protector consumer rights to privacy and confidentiality under 15 U.S.C. 1681, Section 604A Section 2. I have not provided my written consent to either consumer, nor have I permitted XXXX, XXXX, or Experian permission to place the below items on their credit reporting platforms. The information is inconsistently reported throughout my credit report which I have highlighted the inaacuracies and want them DELETED off my credit report. Because of the inaccurate information I have been denied credit to purchase a home for me and my family, a car, new credit cards, and any such credit I choose. The Names listed below are inaccurate and addresses reported. 

My Complaint is with Experian, XXXX and XXXX XXXX XXXX XXXX reporting inaccurate information on my credit report. I have filed complaints with Idenity Theft.gov, I have filed complaints with the XXXX, Each credit Bureau and nothing resolved regarding the negative items reported, no names of the individuals who conducted investigations into items placed on my credit report without my written consent or signature.
Product: Vehicle loan or lease

1. I purchased a car from the dealership, and the finance manager, XXXX, took my information and said h

e would set up automatic payments from my bank account after the loan was processed. 2. Months later, I contacted the dealership and the sales rep to We spoke on the phone, and he assured me everything was in order. 

XXXX. Around XX/XX/year>, a 30-day late reported on my credit report. I called XXXX XXXX XXXX to find out why and was informed that no auto pay had been set up.

4. I went to the dealership and obtained a letter stating that their finance manager had given me incorrect information regarding the auto pay and he had never actually set it up. This mistake by the finance manager resulted in the late payment.

I have enclosed my bank statements from that period showing double payment ( {$1200.00} ), also showing an available balance of [ {$77000.00} ], along with a letter from the dealership admitting this was their mistake.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I called AAA to active a credit card. I was told about a balancetransfer, Interest free until XX/XX/XXXX.
Product: Debt collection

I was contacted by phone on XX/XX/XXXX and informed an I.C. System representative named XXXX XXXX the account they called me about was related to identity theft. I also informed her that they were not to contact me anymore via phone. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from the same company about the same alleged debt. On XX/XX/XXXX. I faxed a fraud affidavit, the police report and submitted a dispute online regarding the fraudulent account. On XX/XX/XXXX, this account was reported on my credit file. The letter specifically stated that I had 30 days to dispute the validity of the alleged debt and they put it on my credit after 8 days of being made aware. They knowingly and willingly caused me damage and violated the FCRA and my personal credit rights. I called on XX/XX/XXXX, XXXXand spoke with a XXXX XXXX and informed him of the violation and the call was disconnected somehow, but after he verified that the account was XXXX out. On XX/XX/XXXX, I called very upset and spoke with XXXX XXXX, XXXX XXXX and XXXX XXXX to question why the account was still on my credit file. They simply stated that it was in the process of " being deleted. '' In the meantime, I was in the process of shopping for a new vehicle because I was having car problems. Their reporting of this account resulted in me being left without reliable transportation for my family.
Product: Student loan

I applied for an IDR plan in XXXX. It was approved but looked like my XXXX plan was dropped. I attempted to reach them XX/XX/year>. I had not been making payments because I thought they were paused due to the XXXX plan being a mess. I began getting ahold of them at XXXX by calling. I got ahold of someone at XXXX. The person needed to transfer me to another department. When I was transferred, I was put back on hold and the automated message says estimated time XXXX hours and XXXX minutes. I clicked the option to be called back when it was my turn. I was called back at XXXX. When I answered I said Hello? Then I heard a click and the line disconnected. I never got a call back and had to go back through the whole process of trying to get ahold of someone. I called again at XXXX and was on hold for XXXX hours and XXXX minutes before hanging up. I will try calling again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax On ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I Equifax you to investigate items that I believed were reporting not 100 percent accurate on my credit report. The following account was in dispute : 1. Collection Account : XXXX XXXX Account # XXXX According to the comment section of my credit report this account was charged off on XX/XX/XXXX. However, the payment section of this account is reporting this account was charged off on XX/XX/XXXX. There is no way this one account can be charged off on two different dates in two different years. Please verify you are reporting 100 % accurate information if not please delete this account from my credit report. In addition, the IRS defines a Charge off as a debt that is forgiven or discharged for less than the full amount you owe. According to the IRS website, charged off debt or a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation. I have never received a Form 1099-C, Cancellation of Debt, or any other forms stating that this debt is charged off.

In addition, Equifax is still reporting addresses on my credit report that are undeliverable to me by the United States post office : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, SC
Product: Debt collection

DEBT VALIDATION LETTER Date XX/XX/year> This letter is being sent to you in response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. 
I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30_days from the date of your receipt. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, Experian and XXXX  consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile.
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns.
1. ) XXXX XXXX XXXX XXXX account number XXXX  ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX XXXX, account number XXXX 6. ) XXXX account number XXXX ; 7. ) XXXX XXXX account number XXXX 
Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Mortgage

In XX/XX/XXXX I called and requested a deferment on my mortgage due to the Coronavirus pandemic and was approved for 90 days. I received a letter in the mail from the U.S. Bankruptcy Court stating that my deferment was ending in XXXX, which should have been XXXX because I actually made a payment in XXXX. Due to filing Chapter XXXX Bankruptcy XX/XX/XXXX, I was told my Attorney would need to send a letter allowing Bank of America to discuss the terms of my arrangement which I did and at that time I was told my Account Rep named XXXX XXXX would get back to me with the outcome. I never received a phone call from her and she did not return numerous phone calls from me. I did receive a second letter from the U. S. Bankruptcy court noting an extension until XX/XX/XXXX. I called the bank today to get the details of my deferment and was advised that I was not in deferment, but forbearance which was the very first time anyone had communicated that to me from Bank of America. She stated that I would have to pay the entire past 5 months in full by XX/XX/XXXX but could not go into detail due to my Bankruptcy status and transferred me to a different Dept. I got someone by the name of XXXX in Arizona on the line and he advised he would look into the matter and would place me on hold, he actually terminated the call and DID NOT call back. I have no way of reaching anyone else to discuss the detail of my loan and my Account Rep does not respond to VM messages. I have requested a new AR on multiple occasions and each time I am told, the issue would be escalated and someone would get back to me but never happens. There has been little to no communication in regards to my payment arrangement that has been made with Bank of America and this is wrong. As I was typing this complaint, I got XXXX from XXXX on the line after waiting an additional 1 hour and 45 minutes, he stated XXXX XXXX XXXX XXXX XXXX is my Case XXXX now and transferred me to speak with her which ended up being another spot in a queue. Before transferring the call he stated she was supposed to call me 30 days before my arrangement ended to discuss repayment and once again someone at Bank of America has dropped the ball when it comes to handling my Mortgage. Completely unacceptable.
Product: Payday loan, title loan, or personal loan

Principal payments- Contacted the lender through multiple emails and a phone call to try and find a way to make weekly / bi-weekly principal payments. Company only allows to make principal payments on the XXXX  of each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the ftc. Please see the attached FTC Report and remove the following unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Lowe 's ran a Hard Inquiry on my credit that was not authorized by Me, without my permission or my knowledge.
Product: Credit reporting or other personal consumer reports

1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Walmart credit card was opened without my permission I contacted them they said 60 days to resolve this to remove from my credit report. Still nothing
Product: Mortgage

BSI Financial Services failed to disburse payments from our escrow account and we received a delinquent tax notice stating our real estate taxes hadn't been paid. Upon further investigation it appears that BSI did not disburse payments for taxes. I called BSI this morning ( XX/XX/XXXX ) and after they tried to blame me for the funds not being disbursed, I finally got them to admit fault and submit the payment. I asked for something in writing saying that they failed to disburse the funds on time and that we made all payments to BSI on time so that I could use that to make a dispute with the credit bureaus if this ends up on our credit report. They refused and said there was nothing that they could provide. They did say that they were going to make the tax payment right away but I haven't received confirmation stating that they have been paid yet. 

Specific dates : XX/XX/XXXX : We closed on our home through XXXX XXXX, XXXX. 
XX/XX/XXXX : We received a notice from XXXX XXXX stating that our mortgage had been sold to XXXX XXXX from XXXX XXXX, XXXX effective XX/XX/XXXX. 
XX/XX/XXXX : We received a letter from BSI with information for our payment options stating that our payment was due on XX/XX/XXXX. 
We mailed a check for that payment on XX/XX/XXXX. 
We set up automatic withdraw for future payments and received a notice saying they had successfully been set up on XX/XX/XXXX with the first payment date being XX/XX/XXXX. We made the XXXX Payment online and the XXXX payment was drafted on the 1st as promised. all payments have been paid on time. The payments show they are collecting for Principal, Interest, Taxes, and Insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX