23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As of today XXXX, Transunion and XXXX continue to provide false information regarding the XXXX XXXX amount on my credit report. None of it makes sense they show that I am current making payments?? However, if I was currently making payments why isn't the loan amount going down? In addition, Transunion says account is closed, XXXX and XXXX says account is open. Transunion and XXXX paid on time. XXXX showing staying on report until XXXX when 7 years is XXXX. I have reported this to the Federal Trade commission as an act of fraud and gave them the report number. When I call none of these creditors listen to what I have to say and just say oh the information has been verified. Just because a creditor tells you something it doesn't make it true. XXXX XXXX is purposely providing the XXXX credit bureaus with false information to ruin and destroy my lively hood. I have bee fighting this for 5 years and not one of the credit bureaus listens to me or care to hear what I am saying. THIS IS FRAUDLENT REPORTING AND ALL OF THEM NEED TO BE HELD ACCOUNTABLE. I ALSO STATED I WANTED THIS TO REPORTED AS FRAUD ON MY CREDIT REPORT AND ALL 3 CREDIT BUREAUS REFUSED TO NOTE THIS ACCOUNT AS FRAUD. i HAVE BEEN FRAUDED ONCE BEFORE IN XXXX. ALL THESE CREDIT BUREAUS NEED TO TAKE THIS OFF IT IS FRAUDELENT WHAT PART OF ENGLISH DON'T THEY UNDERSTAND!!!!!!!!!!
Product: Student loan

Navient sends payment notification after payment is made, but they do not tell you if there was an error in processing, " payment reversal ''. This can go unnoticed for some time before it is noted on their website, and even then, the user 's account information shows " payment received ''. You have to look into " payment history '' to see " payment reversal ''. This allows them to collect on late fees when I should be notified, just like any other payment system, immediately.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX Account name : # XXXX XXXX, Account name XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is now negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations.
Product: Checking or savings account

It appears that a poor XXXX woman is not allowed to go to her Wells Fargo branch, which she has used for at least the last twelve ( 12 ) years, to deposit a large check ( obtained as the result of a lawsuit settlement ). On XX/XX/2022, I visited the Wells Fargo branch in XXXX, Alabama, to deposit a check drawn to my name. The branch teller refused to deposit the check because she believed the check is " fraudulent. '' The Branch Manager also reiterated what the teller said and refused to deposit the check, despite assurances from my attorney and a request to place a hold on the entire amount until the check clears. On XX/XX/2022, I contacted Wells Fargo 's customer support and was instructed to visit the branch and deposit the check. I called the Manager again, to ensure that I could deposit the check. However, I was told not to visit the branch nor attempt to deposit the check : " I am not going to allow you to come to this branch and deposit this check. '' He insisted that the check is fraudulent and he would not deposit it. He gave the name of a supervisory, but did not give the supervisor 's contact information. I have been using Wells Fargo as my bank for more than 12 years with no issues on my part. Claiming that I am depositing a fraudulent check was infuriating, embarrassing, and humiliating. It is extremely hurtful to be singled out in front of other clients.
Product: Credit reporting or other personal consumer reports

CFPB COMPLAINT Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against XXXX XXXX XXXX for Violating Consumer Rights Dear CFPB, I am writing to formally submit a complaint against XXXX XXXX XXXX regarding their collection practices related to a debt owed to XXXX XXXX XXXX XXXX I believe that my consumer rights have been violated in the handling of this debt. 

XXXX XXXX. Creditor Information : ** - Creditor Name : XXXX XXXX XXXX - Collection Agency : XXXX XXXX XXXX - Account Number : XXXX XXXX. Description of the Issue : ** I have received communication from XXXX XXXX XXXX  regarding a debt that is reportedly owed to XXXX XXXX XXXX. However, I have not been properly informed about this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they have violated the following provisions of the FDCPA : 3a. I am writing to formally request that you cease and desist all communication and collection efforts regarding the alleged debt associated with my account. 

I believe that this debt is not valid for the following Inaccuracies across the two credit Bureaus which I will include the proof in an attached document. Date opened on Trans union and XXXX are completely different. How can this be accurate if the XXXX bureaus are reporting different dates. 

- **Section 809 ( a ) ** : The agency failed to provide me with written notice of the debt within five days of their initial communication, which should include the amount of the debt, the name of the creditor, and my rights to dispute the debt.

- **Section 804*XXXX XXXX XXXX XXXX has engaged in communication practices that could be considered harassment, such as repeated calls, emails, calls at inappropriate times, etc.

15 usc 1681 b. I did not Authorize Despite my attempts to resolve this issue such as contacting XXXX XXXX XXXX, I have not received satisfactory communication or resolution. 

**4. Request for Resolution : ** I respectfully request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX for their violations of consumer rights. Additionally, I would appreciate guidance on how to further address this issue and ensure that my rights are protected. 

Enclosed are copies of relevant documents. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance. 

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

Transunion union displays innacurrate employer on credit report. I do not work for XXXX XXXX, I work for XXXX
Product: Checking or savings account

After being charged {$83.00} from XXXX I contacted XXXX and they agreed to give me my money back only they needed the transaction number to do that. Chime bank has refused to give me the transaction number and even after I dispute the transaction they have decided that Im going to pay the {$83.00} even though I didnt create this account and XXXX agreed to give me my money back now my account is in the rear of {$100.00} and Im not going to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, called Experian spoke with XXXX in Fraud Department saying received letter on XX/XX/XXXX for same dispute reasons with XXXX XXXX and nothing done. Letter for 2nd request sent XX/XX/XXXX certified mail from USPS and XXXX says not received. Told XXXX that it was sent certified on XX/XX/XXXX ( see enclosed proof and documents ) and it has been over 2 weeks ago and yet " nothing has been done '' again! Informed XXXX at Experian that I will complain to CFPB today on XX/XX/XXXX. 

Furthermore, the Credit Bureaus, Experian and XXXX never did and failed to do a proper Investigation according to FCRA.

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

They did not do this! 

Also, they have violated my rights even more.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated my account was properly investigated but how is that possible if the account type date, high credit, credit limit, last reported, date last active, date last payment and reporting history ( see enclosed report pulled XX/XX/XXXX vs. prior XX/XX/XXXX reported ) still show the same incorrect and inaccurate information!!!! This is grounds for REMOVAL! 

They also violated the law because according to, 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated.

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 which was violated.

15 U.S.C. 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

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.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( III ). The law clearly states that if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Also, Experian took more than 30 days to complete my investigation, so here is attached proof of my certified mail tracking # XXXX from USPS and enclosed.
Product: Debt collection

on XX/XX/XXXX, {$3400.00} was withdrawn by PFW Attorneys ( XXXX XXXX XXXX, XXXX NJ XXXX phone XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX account, Which is a joint account with my wife. to date, i have not received any letter or court invitation regarding this. they said I had a payment left over from XXXX and they said i could dispute it .i contact them too many times and they don't take any action usually hang up the phone on me.
Product: Credit card or prepaid card

On XX/XX/2022, I noticed a fraudulent charge on my comenity Mastercard from XXXX. I called comenity and they said they would issue me a temporary credit while they investigated. They also said they would issue me a new card so that no further charges could be made on the account. The next day, XX/XX/XXXX, their website said they were down for a scheduled update and all that you could do is make payments. I have checked every day since then and the same error message shows up on their site. This morning however, I now get the error message that my account is closed. I tried calling the company and I dont even have the option to wait for an operator, it just says call back and hangs up on you. I need to know whats going on with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$670.00} XXXX XXXX {$61000.00} XXXX XXXX {$200.00} XXXX XXXX {$230.00} XXXX XXXX XXXX  XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX {$180.00} COLLECTIONS XXXX {$43.00} XXXX XXXX {$310.00} XXXX  XXXX {$8900.00}
Product: Credit reporting or other personal consumer reports

I GOT A CARD WITH XXXX XXXXXXXX IN XX/XX/2023. I DIDN'T USE IT TILL XX/XX/XXXX OF 2023. I HAVE MADE XXXX PAYMENT AND STILL IT WAS SHOWING LATE PAYMENT ON MY CREDIT. IT HAS COAST ME AN IMPORTANT JOB PROSPECT. I NEED THEIR NEGATIVE REPORT OFF MY CREDIT PLEASE AND THANK YOU. 

I WILL BE ATTACHING PAYMENT STATEMENTS, PLEASE FIND ATTACHED
Product: Credit card

My GM rewards card has a promotion every calendar year of make 6 utility payments and get {$100.00} statement credit. I have completed the offer terms as of XXXX. They emailed me the same day confirming I met the requirements and should see the statement credit in a few day which in the terms and conditions it says it will take up to 2 business days to post the credit. I have called 3 times and was told they would call me back in a few days with more info. I only got 1 call back in which I was told they are not sure what is going on and too give them a few more days. This was 2 weeks ago and I have heard nothing back.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.
Product: Credit card

Comenity Bank-Ann Taylor credit card. 
Payment made in full for {$370.00} was posted on XX/XX/XXXX ( 2 days past due ). 

I have been receiving multiple calls from collection department at Commenity Bank the week of XX/XX/XXXX claiming I am past due. Today ( XX/XX/XXXX ), I called Commenity and asked what I am past due for and they claim I owe {$30.00} in late fees, plus interest on the late fee, and then another {$30.00} for this month late fee ( which is a late fee for the late fee ). 

Comenity Bank explained that I will continue to incur {$30.00} every month in late fees + interest until I pay off the balance. The balance is strictly fees and interestnot charges for items purchased. I have not been late with payments since I opened the card and have paid off balances of all charges. I do not feel it is right that I am continuing to be charged late fees every month. I asked if the fees could be waived and I did not understand how I could be charged interest on only a late fee or how I could be charged another {$30.00} in late fees monthly, given all payments for charges have been made. On XX/XX/XXXX, I asked Comenity Bank to close my card/account and they said they did but they did not. After the calI, I received no email or verification that the account was closed. I called back later on XX/XX/XXXX and asked them to close my account again and was told the account was active and not closed. I asked for the account to be closed because I do not feel it is right to be continuously charged an additional {$30.00} a month and interest in late fees on late fees. I was able to receive verbal confirmation that the account was closed but have not received anything in writing that the account has been closed. Comenity told me that I would be taken to collections and even though the account was closed, I will continue to be charged fees on late fees and interest. I dont understand how my charges can be paid off in full and yet I am continuing to receive compounding monthly late fees and interest? This doesnt seem right.
Product: Vehicle loan or lease

On XX/XX/year>, I went to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX XXXX to purchase a car. During the loan application process I was told that Wells Fargo Auto would be able to give me a loan and the only way I would be able to get it would be to add in the Gap insurance. I was initially quoted at {$1400.00} then somehow it was reduced to {$840.00} for the same loan. I wasn't carrying any negative equity and the car being purchased was not over market value.I also put money down and didn't add in extra warranties at the time. I was also told by the same dealership that the only way to get the price I wanted would involve the dealer financing the car. 

Since the car purchase I have refinanced the loan with my credit union and I am waiting for the GAP insurance to be refunded from Wells Fargo. This is lengthy process almost 120 days. 

My biggest issue in this matter is that the dealership misled me by suggesting no GAP insurance no car loan.
Product: Prepaid card

My friend purchased a XXXX XXXX XXXX in the amount of {$100.00} with a {$7.00} fee for my spouse and I. Upon following the instructions on using the debit card, I'm unable to use the card online ( XXXX, XXXX, etc. ) and in-store ( XXXX ). Each time I made an attempt, I would get a decline. I had several issues contacting customer service on their website and at XXXX where it is written " If you need help due to a declined transaction and have sufficient funds to cover the purchase, your XXXX XXXX was most likely declined due to security and safety measures in place to protect your funds. Use your Card in-person or at a different merchant online and make sure to include the card security code. '' Given the amount of declines, the customer suggested that I email to XXXX with my case number XXXX uploading : ( 1 ) the original receipt from my friend who purchased the gift card ; ( 2 ) the utility document sharing my private home address ; ( 3 ) a government identification. I shared that my friend purchased the card long time ago and may not even have the gift receipt and customer service pushed back that this was necessary to use my replacement card. I even asked them if there was any vendor online or in-store that I can use the card immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been disputed on XX/XX/XXXX with no response from TransUnion and since sent another dispute on XX/XX/XXXX. They have gotten my letter along with my identification which was a copy of my current military id, copy of my Social security card and copy of my water bill. 

XXXX XXXX XXXX Account Number : On XX/XX/XXXX I reached out to TransUnion because the date of last activity shows XX/XX/XXXX on XXXX  but on TransUnion shows XX/XX/XXXX. The balance on this Collection continues to increase with my credit report on XX/XX/XXXX has a balance on TransUnion of {$4900.00} and XXXX  has a balance of {$5000.00}. The report sent by XXXX after my dispute the account now shows a balance of {$5000.00}. When I pulled my credit report on XX/XX/XXXX the balance showed {$5000.00}. Which has increased since the XX/XX/XXXX report. How does this collection account continue to increase the balance every month? 

This account is inaccurate and TransUnion has failed to response within the 30 Days to verified this information and has not responded in over 56 days from my dispute and needs to be removed immediately