23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023, when I checked my credit card statement, I saw {$7500.00} ( {$7200.00} transaction + {$360.00} fee ) was charged to my credit card account on XX/XX/2023 that I didn't authorize. I contacted Wells Fargo the same day to dispute this transaction. They told me that this transaction is a credit card convenient check so they sent me to their Credit card fraud claims department. I called Wells Fargo on XX/XX/2023 and provided them with my Police report and the Federal Trade Commission case number for identity theft, they didn't say anything and told me the investigation is going. But on XX/XX/2023, they sent me a mail and said that they found no evidence of fraud so I will be responsible for that transaction. They didn't provide any information to support their claim. From what I understand, someone will need to call in to request a credit card convenient check. And then a check will need to be mailed to an address. Then someone will need to physically go to a bank to cash it out or purchase something. I didn't even know about these convenient checks before this happened. Wells Fargo didn't provide any information about what happened but they said I did that. I didn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list below has violated my federally protected consumer rights to privacy and confidentiality 15 U.S.C 1681 Section 602 15 U.S.C 1681 Section 602 states I have right to privacy 15 U.S.C 1681 Section 602 also states a consumer reporting agency can not furnish information without my written instructions No consumer reporting agency may make no consumer report containing the following Adverse items or information please see list below of in accurate information Dept of ed/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, credit repair services, or other personal consumer reports

To whom it may concern, I have tried several times ( 4 to be exact ) to get XXXX XXXX, XXXX, Equifax, and XXXX  to investigate my credit file as they are reporting inaccurate information. I noticed that they were reporting bankruptcies on my credit file that they received from XXXX which I noticed was also reporting inaccurate information to XXXX XXXX, XXXX, and Equifax. I contacted XXXX by mail, and they advised that XXXX XXXX, XXXX, and Equifax has never responded to their request to initiate an investigation into the inaccuracies that they have been reporting. I have attached letter correspondence between XXXX and I which states that they reached out to all 3 credit bureaus who are simply stating that they will not re-investigate their inaccuracies. I have also put a freeze on my XXXX file until the inaccuracies are fixed by XXXX. I have contacted the bankruptcy courts who stated that they did not report any court filings about me containing my social security number to XXXX, XXXX XXXX, Equifax, or XXXX. Note that I am a " Junior '' and my father shares the exact same name and addresses attached to his credit file. If the original source of those reports ( The Federal Courts ) is stating that they did not provide any information to either of those bureaus regarding any cases, if any that I'm involved in, then how is this being reported on my credit file? Since XXXX, Equifax, XXXX XXXX and XXXX  have all refused to correct those inaccuracies, I am filing a complaint with your office. I have also attached all USPS certified returned confirmation slips that confirm that all four credit reporting bureaus received my disputes and refused to follow the guidelines set forth in the Fair Credit Reporting Act. 

I have also contacted Equifax, XXXX  and XXXX XXXX in reference to a collection account that was added to my credit file without me receiving any notification of this collection account. I have sent four dispute letters to each agency and only Equifax corrected their file to report accurately. Equifax conducted the proper investigation into the frivolous collection account and removed it, then why are the other 2 bureaus refusing to do the same? Any assistance from your office to get these credit bureaus to conduct proper investigations into inaccuracies on my credit files would be appreciated.
Product: Checking or savings account

My payroll check was supposed to be deposited into my Capital One personal checking account by direct deposit on XXXX. I never received it. I did not receive an email from capital XXXX until XXXX on XXXX informing me of a " technical issue with a third-party server being down '' and that they were working on the issue and should have all matters fixed by Friday morning ( XXXX ). It is now XXXX ( CT ) on XXXX and I still have not received my payroll check by direct deposit. I have sat on hold for over 120 minutes waiting to speak to customer service with Capital One only to be read a type of script with no answers still as to when my monies will be deposited into my account. It is a weekend holiday which is causing more problems and unacceptable. I have already began incurring declined payment return fees from bills that I had set up on automatic draft that were attempted to be taken out but because the funds were not there since my monies have been held up for the last 3 days.
Product: Debt collection

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card accounts opened at XXXX XXXXXXXX XXXX  on XX/XX/year> ( {$1500.00}. ) XXXX XXXX on XX/XX/year> ( {$1500.00}. ) XXXX XXXX XXXX on XX/XX/year> ( {$780.00}. ) XXXX XXXX on XX/XX/year> ( {$450.00}. ) and XXXX XXXX on XX/XX/year> ( {$440.00}. ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used car and received a loan in XXXX XXXX XXXX from XXXX XXXX. After doing some research I realized that this company is a loan shark and has totally taken advantage of me. They charged me exuberant fees for a car that was practically useless. It broke down and fee 's were never explained to me properly. Either way. this company is refusing to acknowledge the fact that I'm challenging information on my credit report with them. They even keep returning the mail that I have sent to them! I am using the address that is listed on the credit report. I've also explained this to the 3 major credit bureaus. XXXX did do the right thing and removed this from my credit report.However, XXXX and Transunion are still reporting this account and all of the derogatoriness. 

There are so many inconsistencies with this account. Nothing makes sense and they refuse to send me the information so that I can even see if what they did or are doing is legal! 

For example, Transunion shows the balance on this account as {$21000.00} and XXXX shows the balance as XXXX. Now how can this be? It's only one or the other. I dont ' even know what they sold the car for or applied to my account. I have no idea when the car was even sold at auction, or if it even was?

I don't know what else to do in this situation. Please help!

I'm attaching screenshots of my credit report, as well as letters that I've sent to them that have been returned!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have and had health insurance which was never billed for payment contacted the vendors they refused to bill sent to the credit bureaus to verify no change. I was XXXX  injured in XXXX  the State of Virginia was the payer of the bill however no effort to remove from my credit.Since getting out in XXXX I have had been forced to live with relatives and friends unable to rent because of the collections totaling over {$8000.00}. show as collections on my credit report. I have called they say its to late and refuse to file however the insurance information has been in their possession the entire time. Because of the Corona virus family members are scared to let you stay, I am XXXX cant work due to the injuries I suffered I have a XXXX XXXX and XXXX XXXX  injuries. I need help please to get this off my credit so that I can qualify for a place to live. 
The creditors are XXXX XXXX XXXX in XXXX Va bills are for {$2700.00} inXXXX {$4000.00} in XXXX XXXX these are hospital XXXX authorized by the state of VA I have XXXX XXXX & XXXX. {$1200.00} Placed in hospital by XXXX  system can provide proof. 

XXXX XXXX XXXX ( doctors ) XXXX VA svc date XX/XX/XXXX {$69.00} svc date XX/XX/XXXX {$180.00} {$34.00} svc date XX/XX/XXXX XXXX XXXX XXXX {$74.00} svc date XX/XX/XXXX {$190.00} svc date XX/XX/XXXX XXXX svc XX/XX/XXXX {$74.00} svc date XX/XX/XXXX XXXX XXXX  XXXX  {$280.00} svc date XX/XX/XXXX XXXX  XXXX  of XXXX XXXX XXXX date XX/XX/XXXX and svc date XX/XX/XXXX {$550.00} XXXX  XXXX XXXX XXXX {$280.00} XXXX I have tried to get the billing office to look at the bills because I have insurance but they refused. I am in a serious way now because the family has been good to me but I need help to prevent me from having to go to a shelter that would be hard for me because right now my health is pretty good other than this XXXX XXXX and the XXXX. I can afford a income based place but noboby will take me because of this credit it is not my fault the bills were not sent for payment timely but I am suffering because of this problem.
Product: Credit reporting or other personal consumer reports

These are from my XXXX Credit report These Previous Addresses don't pertain to me 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXXXXXX Balance {$690.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked over again my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

One Main XX/XX/2014, {$1800.00}. They did not notify me and seems to be the same as Spring Leaf Financial XX/XX/2014 {$3100.00}. They never notified me. I reached out to them. This is not fair because Im living with my mom and cant get a mortgage
Product: Mortgage

We closed our refinance loan on XX/XX/2021 and the disbursment was on XX/XX/2021. The payoff was made to ServiceMac, who just took over the loan from XXXX. The transfer from XXXX to ServiceMac was not a smooth transfer as ServiceMac did not have our information or allow us to even make a payment on the loan for about 2 weeks after the actual transfer date in XXXX. We were informed by ServiceMac that they were not legally allowed to charge 'any ' kind of late fees for 90 days during this transfer in servicing of our loan from XXXX XXXX Our refinance just so happened to be during this transfer period. On the closing documents of the loan, it is clearly stated that there is a 'late fee ' being paid to ServiceMac of {$180.00}. This fee needs to be refunded to us immediately. 

We were also charged a fee of {$220.00} for an 'Affordable Housing Fee ' which we are requesting to have refunded. This fee is charged when there is no XXXX Cover page added to the deed. We will gladly fill out this one page document to save that {$220.00}. 

We were told by the loan originating company, XXXX XXXX XXXX, to file this complaint to you, as these matters are taken very seriously. XXXX was very helpful in the loan process, but did say that they could not resolve this matter without your help. 

Thank you for your time and advice in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MEDICAL XXXX MEDICAL XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few items that require deletion. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). I'm confident the contested items are settled : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XX/XX/2022
Product: Debt collection

I was sent a bill today of XXXX dollars from XXXX  after XXXX  years of no notice till now Im not paying that bill
Product: Credit reporting, credit repair services, or other personal consumer reports

i was disputing the inaccuracies of late payments listed on Macy's/Citibank N.A . credit card. I asked to submit proof of the incorrect information on all my credit reports that list worst payments status 90 to 119 days late. Instead of providing proof that updated removing the statement that " consumer disputes this card '' Instead puts card was closed It has been closed since XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I am a current customer of One Main and I was seeking to get another personal loan that pays off my current and the remainder will come to me. I know for 100 % One Main allows over the phone close even for people that DO NOT have a active account with them. I was REFUSED this option. NOTHING changed since I received my first loan ( address, employer, bank account ). I even have my loan payment taken out of my account automatically. I travel for work and when I'm home it's really late or the weekend. When I spoke to the representative at the XXXX Virginia Location, I told her it will be a couple of weeks before I come home and she said well you can't do it over the phone. I asked if my mother can sign for me since she has power of attorney, the rep said that they don't do power of attorneys. Then the rep said you are just going to reapply when you are in town. I told her that I didn't want multiple inquiries on my credit, the rep said that she could not help me with that. I have had family members and friends close their loan over the phone, and they weren't an active customer. To clarify they have done this at the XXXX Location and other locations in the state of VIRGINIA. Why does an employee get to pick and choose who they can assist? Is it because I'm a man? XXXX? Age? ( These are the differences between me and the other people that I know received preferred treatment )
Product: Checking or savings account

I have called Capital one bank numerous times about my funds being withheld and they will not give me an answer. All of the funds in the bank account are mine. They are illegally withholding my funds against my will. I contacted Capital one bank once again today to only told to quit calling them and was cursed by an agent and hung up on. I'm tired of this. I am attaching a photo of what my current balance is as of XX/XX/year>, Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting that I owe {$410.00} for an account under the name "  XXXX    XXXX     XXXX    XXXX   XXXX   ''. My report shows that it was opened in  XX/XX/XXXX  with an account number of "  XXXX  ''. I have never had any business dealings with this company and do not understand why this is being reported to my credit. I have never received any bills or letters in the mail explaining that I owe this debt or even why I owe it. This is not my account and I do not have a delinquent debt with this company. I have disputed this with the credit bureau numerous t imes ( si nce  XX/XX/XXXX   ) only  to receive bogus responses saying that the account has been verified? I 've done research of my own and I even called this company using the phone number provided in the credit bureau response letters. The representatives I have spoken to can not find an account that matches my personal information. Clearly something is not right. I need this to be addressed immediately. It should not take this long to conduct a proper investigation and confirm that this account is not mine.
Product: Student loan

I get an upwards of 8 to 10 phone calls every day from them, they will not work with me and they call every hour if not multiple times in the hour.
Product: Credit reporting or other personal consumer reports

Section 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the person/corporation generating the report is NOT included in the consumer reports. However, XXXX is currently including this information. This inclusion of excluded data, as outlined in 15 USC 1681 ( d ) ( 2 ) ( A ) ( i ), represents a clear violation of Metro2 compliance standards. I am requesting the Metro2 compliance disclosure regarding the reporting of transactions to a consumer reporting agency. Specifically, I need the transactions reporting as late, collection/charge-offs, and ANY other derogatory information from my consumer reports, deleted from my consumer report effective immediately. 

Do not respond with this account has been validated, I want to be clear, I am not asking you to validate or verify anything. Please refrain from responding with these tactics that will waste my valuable time. It is important to note that these accounts have been designated as being in collection/charge-off WITHOUT providing me with a copy of IRS Form 1099-C, which is required for Cancellation of Debt. This action by XXXX and the creditors who are reporting collections/charge-offs, late payments, and other derogatory information in my consumer reports is in direct violation of 26 USC 6050P, which pertains to Returns Related to the Cancellation of Indebtedness by Certain Entities. 

If the derogatory account information is not removed from my consumer reports within 15 days, I will have no choice but to officially file IRS Form 3949-A : Information Referral and IRS Form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all persons/corporations involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Acct # XXXX, has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Student loan

My father passed away on XXXX XXXX, 2016. He was a cosigner on my private student loans that paid for my XXXX studies at XXXX University in XXXX. Navient called his number because I was approximately one week late on making the payment in XX/XX/XXXX following his passing. I answered the call and informed them of his death. I made the payment over the phone and I was told to send in his death certificate to release him as a cosigner. On XX/XX/2016 I received an E-Correspondence from Navient stating that : " Your cosigned private loan has been referred to XXXX XXXX , XXXX, to resolve the outstanding balance. They may attempt to contact the executor of the cosigner 's estate. If you provide a new, credit-worthy cosigner for your loan, we can recall the account from XXXX XXXX. If you do n't name a new cosigner ... XXXX XXXX XXXX attempt to locate the executor to discuss the status of the estate and the procedures for filing a claim with the probate court where the estate will be settled. The promissory note you signed provides that the loan may be declared in default and due in full if any borrower or cosigner passes away ; however, we wo n't declare the loan in default as long as you continue to make regular, monthly payments. '' I 'd thought my father would be released from the loans, especially since my loans are in good standing and I fully intend to continue making monthly payments.
Product: Mortgage

Chase is dual tracking this borrower. I submitted a loan modification application for this borrower on XX/XX/2015. On XX/XX/2015, the lender scheduled a mortgage foreclosure sale for XX/XX/2015. The packet was facially complete. It was missing XXXX item - proof of rent payment for XXXX month, which I just submitted today, XX/XX/2015. This was a new income source as of XXXX XXXX ; the borrower had already submitted proof of income for XXXX ; we were just waiting on the XXXX rent payment to submit the XXXX month.