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

XX/XX/2023 XXXX  Reporting these individuals for unprofessional activities in settling my account since I left the XXXX XXXX, Washington. 

XXXX??? asking for my SS over the phone on the last Saturday of XXXX Also, XX/XX/XXXX, XXXX call came in at XXXX and I was informed she was XXXX go close my continous on going MAJOR ISSUSES because Wells Fargo continues the existing fraudulent banking activities. 
Why was I asked by the individual that new accounts under my name exist in XXXX? How many accounts were opened XXXX. I have a right to know. 
That Wells Fargo female employeee never informed me. 


$ $ Since you never ask for or give your SS over the phone in resolving my complaints of the related issues of my identity which, I have legally established in Wells Fargo XXXX. $ $ I went into a branch XXXX XXXX XXXX XXXX ... ... SHE IS VERY UNPROFESSIONAL and would not help me, because she didn't want to go into my box of documents WELLS FARGO has sent me to verify the any documents on the time clock while she is employed at WELLS FARGO! I was the only PERSON IN THE BANK! HER CONCERN WAS EATING LUNCH! And removing me because I was going to bring my documenta into the branch, which I HAVE A RIGHT TO! 

I NEVER ASKED THIS WOMAN TO GO INTO MY DOCUMENT BOXES!!! 
WHY IS SHE WORRIED ABOUT HER LUNCH? 
XXXX XXXX ACCUSED ME FALSELY WHEN THIS IS REQUESTED BY WELLS FARGO and the FEDERAL GOVERNMANT? PLEASE NOTE HER FACIAL JESTURES AND HER IMMATURE CUTESY UNPROFESSIONAL BODY MOVEMENTS WITH SMILES TO ANOTHER BANKER ARE UNWANTED AND IS HER FORM OF HARASSMENT OF A CUSTOMER WITH DIAGNOISED XXXX  IS AGAINST THE LAW! 
HOPEFULLY THIS ILLEGAL ACTIVITY NEEDS TO BE REPORTED TO THE CONSUMER FINANCE COMPLAINTS REGARDING HER HARASSING ARGUMENTITIVE AND LACK OF MANAGEMENT HELP. 

While in the bank a XXXX Supervisor called while I was there discussing I would bring in my legal box, because XXXX still to this date XX/XX/2023 hasnt resolved any issues. 

XXXX XXXX XXXX. in XXXX agrees with me. CALLED XXXX PLEASE INVESTIGATE THE XXXX SETTLEMENT ... ... XXXX never closed any accounts and per this legal documentt by the AAA dated XXXX XXXX. I HAVE A LEGAL RIGHT TO RECEIVE MY CASH SETTLEMENT. 

Once again I was involved in the WELLS FARGO Fraudulent and as I have expressed for years on end PLEASE STOP COVERING UP THE EVIDENCE THAT I HAVE SUPPLIED TO YOU.
Product: Credit card or prepaid card

1. Synchrony Bank is illegally trying to make 2 MC credit cards into general-purpose credit card store cards like Lowes or XXXX XXXX XXXX 
2. Today 's date, XX/XX/2023. I checked my available credit on my Sam 's Club MasterCard. I sent in a payment of {$700.00}, but I only had the available credit of XXXX available on the card when I looked up it online, the XXXX Dollar payment has got there. The available credit was wrong and the available cash was wrong also I called the XXXX number of Synchrony Bank ( Sam Club ) and then they just released the hold with no reason at all. Then my available credit jumped up to {$800.00}. But the available cash stayed the same and I was not given a good reason why there was a hold on my available credit I also paid a bill, and a Synchrony Bank credit card ( Walgreens ) while online the web page asked me to use another checking account to make a payment. both these cards Sam and Walgreens which are under Synchrony Bank are trying to tell me how, when, and when to spend my money. And when I speak to them on the phone, Im not going to pretend to be happy about it.
Product: Credit card or prepaid card

I received to a credit card offer from Fortiva by mail.I responded by phone to accept the offer. I never received the card. I did receive a bill with unknown and unauthorized charges for which I immediately completed a fraud affidavit and returned it to their company. I have since called their customer service and fraud departments over ten times in the last six months trying to get this off of my credit with no results. I never received the card, never used the card, never activated the card, and they have adversed my credit with the credit bureau and placed me for collection. I am a victim of Fortiva credit card scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my reinvestigation back from you Transunion File number You said everything is verified as 100 % accurate and updatedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached proof that there are discrepancies listed for each account. 100 % accurate means each aspect of the reporting contain no errors. So the close date should be the same. This documentaion shows the account numbers, open date, and balance are all the same, which means they are all the same account. However, Transunion is reporting the closed date as XX/XX/2017. XXXX reports the close date as XX/XX/2017. I have doubts and concerns that the alleged reporting of Transunion is not correct.
Product: Debt collection

In accordance with the FCRA this creditor has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Product: Mortgage

Attached is the escrow statement after the analysis and I have highlighted a couple things on the statement. It shows my taxes and insurance went down this year so my escrow payment will decrease. However, it has in fact increased by {$40.00} which should be wrong based on what the statement itself says. It also shows there is a surplus so there should be no reason for my monthly payment to increase. I have this same issue every year and are never able to explain why the statement says my payment will decrease but every year it increases. My monthly payment should decrease as is indicated on the attached statement.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried a numerous amount of time to get these accounts removed. Let alone my information was in a data breach with XXXX and XXXX some months ago and I thought you guys would protect my consumer report. I do not feel my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S. Code 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am so upset and disappointed. These inaccuracies are causing me not to be able to purchase my first home. Im depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is illegal these companies should NOT be furnisher peoples information to 3rd party companies this is illegal, neglect, and fraud. I have already reported this to Federal Trade Commission. These companies and the Credit Bureaus can be sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel you database is inaccurate and I am filing ligation against this if these item arent removed immediately
Product: Credit card

I paid the entire balance on my card on XXXXlXXXX XXXX XXXX, one day before the due date. I was notified that there is a delinquent notification on my credit report. When I looked it indicated XXXX Comenity credit card. Seven days after I paid my balance they charged me {$20.00} interest and I had no idea until this notification came in. It indicates in the " how to avoid interest '' section of the attached statement that if you pay by the due date, you avoid interest. I paid the balance in full by due date, yet they charged me interest and have since charged me multiple late fees and additional interest. When I call them to take care of this, there is no way to speak to a person. The only options is around making payments or making a promise to pay, etc... when I say " speak to an agent or representative '' it will say it is transferring the call but then goes to a message that you must dial a ten digit number and you need ti try again. I have tried this more than 10 times and I am never able to get through.
Product: Debt collection

PLEASE HELP ME, EVERY TIME IM SEEING THESE FRAUDULENT ACCOUNTS, THESE ARE GIVING ME STRESS. I WANT THESE TO BE TAKEN OFF FROM MY CREDIT REPORT PERMANENTLY
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against LVNV Funding LLC and XXXX XXXX XXXX for inaccurate and inconsistent reporting of my accounts across multiple credit reporting agencies. Specifically, there are discrepancies between the information reported on my XXXX and XXXX credit reports that violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Inaccuracies in Reporting : LVNV Funding LLC : XXXX : My credit report shows that this account is listed as an active collection account with a balance of {$620.00}, as of XX/XX/year>. 

XXXX : The same account is reported as closed, with the same balance of {$620.00} as of XX/XX/year>. 

XXXX XXXX XXXX : XXXX : This account is reported as an active collection account with a balance of {$430.00}, as of XX/XX/year>. 

XXXX : This account is also reported as closed with the same balance as of XX/XX/year>. 

Violations of the Fair Credit Reporting Act ( FCRA ) : According to the FCRA, specifically under 623 ( a ) ( 1 ) ( A ), furnishers of information ( such as LVNV Funding LLC and XXXX XXXX XXXX ) are required to provide accurate and consistent information to all credit reporting agencies. The discrepancies between my XXXX and XXXX reports indicate a violation of this provision. 

Furthermore, under 611 ( a ) ( 1 ) ( A ), as a consumer, I am entitled to dispute any inaccurate information reported to credit reporting agencies. Despite raising disputes, the information remains inconsistent and inaccurate, which negatively impacts my creditworthiness. 

Desired Resolution : I request that the CFPB take immediate action to address these violations and ensure that LVNV Funding LLC and XXXX XXXX XXXX : Correct the inaccurate information on my credit reports across all credit reporting agencies, specifically XXXX and XXXX Provide me with compensation for the harm caused by these inaccuracies, as allowed under 616 and 617 of the FCRA, which provide for damages in cases of willful or negligent noncompliance. 

Remove the erroneous collection accounts from my credit reports entirely due to the false and misleading information provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts with Capital One. In XX/XX/2016 I notified Capital One that I was going through a financial hardship due to medical issues. I knew I would be late on my payment and I advised them of this. I was told that as long as payment wasn't 60 days late that they would ensure that my late payment would be forgiven. This hasn't occurred as I have this late payment still showing. I have reached out to them numerous times to assist with this issue and sent numerous letters to no avail. I only have late reporting for XX/XX/16 and was able to get back on track the following month. I was told this wouldn't affect adversely and that was a lie.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I began the dispute process with the credit agencies XXXX XXXX, and equifax for accounts I had paid in settlement. I uploaded the documents into the dispute process along with a statement explaining the accounts were settled. The credit agencies refused to conduct an investigation and placed on my report with XXXX to XXXX hours that they conducted investigations, and my information remained the same with the exception that they credit agencies added/updated additional wrongful information which caused my credit scored to drop at least XXXX to XXXX additional points. I file another dispute and provide documentation with each agency and within XXXX to XXXX hours the investigations were completed again with more wrongful information added which lowered my scores even more. I called each credit agency and spoke with specialist ( Equifax, XXXX, ID : XXXX ), and I was informed that it doesn't matter what information the consumers submit, they were not going to update the consumers credit report. I asked her what the purposes was for uploading information into the dispute process if you are not using it to update my credit file. She attempted to clean up her answer. I made multiple attempts to call XXXX  and they have made it where you can't speak to a specialist. Everything is computer operated and it advise you that you can't speak to a specialist. Also, at the bottom of the report it gives you your case number, but you can't use it when you attempt to speak to a representative about your dispute process. All three credit reporting agencies has retaliated against me for inquiring about the update on my credit. Every day I get alerts where they have gone in and added information to my credit report where it continues to lower my scores despite the documentation I provided to them. I also reached out the XXXX XXXX, XXXX XXXXXXXX and XXXX representatives and they all informed me that they did not provide any information to the credit agencies because my accounts were in consolidation. Although my accounts were settled in full, the credit agencies were in and listed them as collection accounts and charged off accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a follow-up to my original letter dated date regarding an inaccuracy on my credit reports, regarding Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item.

Any other action ( or inaction ) on your behalf will result in a small claims action against your company.

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit reporting agencies are required to remove the disputed fraudulent information being reported on my Credit File under the provisions of the Fair Credit Reporting Act section 605b. However, upon viewing my updated Credit Report, I realized that the Credit Bureaus have not yet complied with my multiple requests. I am now submitting this CFPB Complaint today to force the Credit reporting Agencies to remove the disputed items on my Credit file. It includes the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed {$4300.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. Also, the Credit Bureaus have claimed that the disputed items belong under my name and that the items were verified. If the items are really verified, I wonder why the Credit Bureaus have not sent me copies of proof of verification or documents bearing my signature. Under the provisions of the Fair Credit Reporting Act section 605b, I need the disputed items deleted at all cost.
Product: Credit reporting or other personal consumer reports

In XX/XX/, I applied for an XXXX XXXX Credit Card with XXXX XXXX 

Once approved, I linked my account with another persons account. Doing this, created an ongoing issue. Ive never been to use the account. The other account holder is the only XXXX who was able to use the account. 

Despite numerous calls to both XXXX and XXXX XXXX over XXXX  months, the issue remains unresolved. I couldnt use the card, add it to my phone via the app, and theres an inaccurate duplicate account report to credit bureaus affecting my credit score. Ive filed several disputes with all three credit bureaus, asserting the inaccuracy of the reported duplicate account. However, their investigations consistently claim the information is accurate, despite the evident error.

This has resulted in a significant impact on my credit score, and neither XXXX nor XXXX XXXX has attempted to resolve the problem in over a year.
Product: Credit reporting or other personal consumer reports

A collection added in is directly affecting my finances. It is unethical, incorrect, and not being reported. This account should not be on my credit. 

Transunion and XXXX : Account number XXXX. MUST BE REMOVED NOW XXXX : XXXX account number has never been late. This late payment MUST BE REMOVED FROM XXXX immediately. 

I disputed XXXXXXXX XXXX XXXX XX/XX/2023 as well.
Product: Debt collection

To Whom It May Concern : This letter is in response to your recent claim that XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable.

I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Account number XXXX. 
Date opened XX/XX/XXXX. 
Balance {$0.00}
Product: Payday loan, title loan, or personal loan

Hello, XXXX XXXX added an account to my credit report of {$720.00} for a phone in which I have never had. Back in XX/XX/2019 when I was XXXX XXXX XXXX, I went into XXXX XXXX to purchase a new phone as a new customer with their company. The XXXX representative in the store tried setting me up for an XXXX XXXX  that was yellow and tried transferring my old telephone number over from XXXX XXXX. He tried on three different yellow XXXX and failed each time resulting in him giving me a totally new number connected to a brand new blue XXXX XXXX. XXXX is now sending me a bill for the yellow XXXX   when I have never even had this phone since the employee said that the yellow phones wouldnt work ( burner phones ). They now have an account linked to my name on my report for the burner phone and I would like the situation fixed. I received a bill in the mail for the burner phone but XXXX and XXXX XXXX claims they dont see anything on their ends.
Product: Checking or savings account

i am writing to file a complaint against navy federal credit union regarding multiple overdraft fees that have been incurred on my account. despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite intially available funds. i believe these practices are unfair and request an investigation into my account transactions.