23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received a promotional offer for a Wells Fargo XXXX XXXX XXXX XXXX. Included in this promotional offer was a {$300.00} cash for {$3000.00} in charges during the first 3 months. Wells Fargo included fine print that said that I am not eligible if I received another promotion during the preceding 15 months. Wells Fargo had this information at the time Wells Fargo solicited my credit card business. Wells Fargo determined that I was not eligible for this promotion, but they accepted my application for the card and did not inform that I was not eligible for the promotion. Wells Fargo should not solicit credit applications from people using a promotion that they are not available to receive when Wells Fargo has that information at the time of the solicitation. Worse, Wells Fargo should inform accepted cardholders that responded to a promotion that they are ineligible to receive, that they are ineligible to receive it. Wells Fargo is comfortable that they solicit credit applications from potential customers that are ineligible for the advertised promotion and does not feel the need to disclose their determination of ineligibility to the accepted applicants. This is wrong. I informed Wells Fargo Credit Card executive office, and they are comfortable with both the misleading solicitation and the lack of disclosure. This was confirmed to me by XXXX XXXX on XX/XX/2019.
Product: Debt collection

I 'm receiving calls from Professional Financial Services at least XXXX15 times a week. This tactics is unacceptable and causing additional XXXX.
Product: Mortgage

Nations Star Mortgage forced placed additional flood insurance above mortgage balance. 
Mortgage balance is approximately {$53000.00}, home incurance coverage A {$100000.00}, flood policy {$56000.00}. Mortgage company demanding flood insurance greater than mortgage balance, forcedplaced and charged my account.
Product: Mortgage

I recently applied for a home loan through Movement Mortgage after moving to North Carolina in XXXX. My loan officers were XXXX and XXXX XXXX. I was prequalified at first when I began looking for houses. I was told after 30 days of employment I would have a pre approval letter. I am a XXXX XXXX XXXX XXXX, which means I'm paid as commission. This was known from the very beginning of the process. I went through the whole process of getting all the info needed, which was difficult due to the loan officers ability to communicate exactly what they needed. I found a house I wanted and put in offer and was accepted. After paying for a home inspection ( {$270.00} ), termite inspection ( {$100.00} ), earnest money ( {$500.00} ), and home appraisal ( {$570.00} ), which totaled {$1400.00}, I was told that my loan would not be approved because I need to show 6 months of income at new job, even though I have been continuously employed for years. So I lost the house after putting out the above mentioned {$1400.00}. XXXX tried to put my income through as standard and not commission based which was caught in underwriting. The information of needing 6 months employment as part of the approval process would have been nice to know before I spent the {$1400.00}.
Product: Debt collection

Recently I have learned about my consumer rights and realized a correspondence from Sequium Asset Solutions LLC received on XX/XX/2020 threatened to damage my consumer report in which they did by dropping my score by XXXX points as you can see in the attachment. I have recently sent a cease and desist along with a debt validation to Sequium Assets Solutions, LLC and have yet to receive any correspondence. I am asking for Sequium Asset Solutions , LLC to stop destroying my credit and stop violating my right to dispute the validity of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 item/accounts/information below : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXXL XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00}.
Product: Debt collection

This debt collector purchased an alleged debt, but did not purchase the rights or my consent to use my private copyrighted information in commerce. CEASE AND DESISTS from using my information immediately or I will sue for COPYRIGHT INFRINGEMENT!!! 

The original creditor is a Fiscal agent of the United States dealing in securities and has certain responsibilities under the Security Exchange Act. You are attempting to collect a debt not owed. 

IRS Form 211 will be filed to Auditor this account in 15 days if these actions are not corrected immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year> & XX/XX/year>. I'm now requesting you investigate the XXXX XXXX XXXX XXXX account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

15 U.S. Code 1681e ( b ) 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.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS?

I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX XXXX XXXXXXXX Potential FCRA Violations, Securitization Issues, and Double Reporting Practices Details of Complaint : This complaint is being filed against XXXX XXXX XXXXXXXX for the following violations related to the reporting of a charged-off account : 1. Failure to Provide Validation : XXXX XXXX XXXXXXXX has failed to provide sufficient validation of the alleged debt despite multiple disputes. Specifically, they have not shown proper documentation proving their continued ownership of the debt or the authority to report it as a charge-off. 
2. Securitization of Debt : Upon reviewing XXXX XXXX XXXXXXXX SEC 10-K filings, it is evident that the institution securitizes its debts into trusts post-charge-off. If this specific debt was securitized, XXXX XXXX XXXXXXXX no longer owns the debt, raising serious concerns about their right to report it. 
3. Improper Reporting Practices : Despite charging off the account, XXXX XXXX XXXXXXXX continues to report it to credit bureaus, including XXXX and XXXX, without addressing or verifying disputes properly. The reporting remains inaccurate and misleading, in violation of the Fair Credit Reporting Act ( FCRA ). 
4. Lack of Transparency in Collection Activity : There is no evidence of clear communication with the consumer regarding the status of the debt post-charge-off. Furthermore, there is no indication that XXXX XXXX XXXXXXXX followed proper notification practices under applicable debt collection laws.

5. Potential Double-Dipping : An IRS Form 3949-A has been filed, as there is a potential concern that XXXX XXXX XXXXXXXX may have already recovered the debt through securitization and is still reporting or attempting to collect on it. This warrants further investigation.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are unauthorized and the following personal information were inaccurate and needs to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A credit card was placed under my credit report and I did not notice it until a payment was missed this month and it dropped my credit score by XXXX points. I need this capital one card off of my credit report because it is not mine and I have never used it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXXXXXX 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

I received my credit report earlier this year via ( XXXX and Experian ). After reviewing it I realized the inaccuracies being reported under my personal information. After becoming aware of the inaccuracies, I sent a letter to Experian, XXXX, and XXXX to delete inaccurate names, numbers, and addresses with proof of my correct information ( My Driver 's License [ only correct name and address ] and Social Security Card ) that should be reported via certified mail. I sent the letter XX/XX/2022 and Experian, XXXX, XXXX they received the letter by or before XX/XX/2022. They received my letter and sent me my credit report on XX/XX/2022 ( Just Experian ). However Upon further investigation little to nothing was changed. Last month, XX/XX/2022, 7 inaccurate names were being reported and as of XX/XX/2022 only one inaccurate name was deleted leaving 6 inaccurate names while not even reporting my correct name. 

The same thing was done with addresses. XX/XX/2022, 5 inaccurate addresses were being reported. As of XX/XX/2022, 3 of the addresses were deleted however they are still continuing to report 2 incorrect addresses.

As Well as my DOB just being reflected as a year and not a month and date. ( just Experian ) In Conjunction with that I have falsely placed accounts with Us Dept of Education and Bank Accounts that are not mine each Bureau choose to not delete these incorrect names and addresses and accounts because they are associated with debts that I have already disputed are not mine.
Product: Checking or savings account

On XXXX XXXX I made a mobile deposit in the amount of {$4800.00} into my business account. I did not receive a confirmation number so I deposited the check again. 
On XX/XX/2022 I check my account and realized the check was deposited twice. I called the bank ( Trusit ) and ask if they would remove one of the deposits and explained what happened. They removed both deposits so I called Trusit again and I was told I needed to take the check in to the local branch ( Truist ) and deposit it. I did on XXXX XXXX. On XXXX XXXX the check was returned saying it was duplicate presentment. I contact the company who wrote the check and ask if they would write another check and was told they contact their bank and the check was withdrawn once, never returned. The company refused to write another check because Trusit has the money and withholding it from my business account. I have gone to the local branch to resolve the problem and still do not have my money. I called the customer service number and still do not have my money or any reason Trusit is withholding my money. I believe this is FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 you claimed that you verified the account as accurate. Please provide the METHOD OF VERIFICATION used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud reporting in XXXX Inquiries XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Credit Account XXXX/ XXXX XXXX XXXX Account Number:XXXX Fraud reporting in Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Credit Account XXXX/ XXXX XXXX XXXX Account Number:XXXX Fraud reporting in XXXX Credit Account XXXX/ XXXX XXXX XXXX Account Number:XXXX I have called and talked to multiple customer service agents from XXXX, Transunion and XXXX to block the fraud inquiries and account. They refuse to help me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute incorrect student loan information that continues to reappear on my account, despite previous efforts to have it corrected. I have noticed that outdated or inaccurate details regarding my student loan, serviced by Department of Education and XXXX, keep resurfacing, causing ongoing issues with my records and credit report. 

I request that the Consumer Financial Protection Bureau intervene to ensure this matter is permanently resolved and that my loan servicer takes appropriate action to prevent the incorrect information from reappearing. Please provide me with an update on your investigation and any steps being taken to address this issue. 

Thank you for your time and assistance. I look forward to your prompt response.
Product: Credit card

American Express needs to refund me with a charge for which I did not receive acceptable service. The American Express 's internal dispute system is not working properly, customers ' disputes just disappear after a customer wasted a lot of time on filing. So I file a dispute here instead. 
I dispute a transaction of {$31.00} from XXXX as of XX/XX/XXXX. The service was scheduled to be rendered to me on XX/XX/XXXX, but instead I was humiliated by the service provider. So I need a refund regardless of what XXXX offers - they just want me to accept XXXX credit, so basically XXXX is trying to upsell on me. I also claimed the refund from the service provider itself - XXXX, but they disregarded.
Product: Credit card

I made a settlement agreement with Target to settle a debt and they accepted. A payment was made and they cashed the check. Now Target is threatening to transferred the balance to a debt collector and began reporting the account to the credit bureaus as a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need Consumer Financial help with Experian, I am facing problems with Experian for several months regarding the account below. 

On XX/XX/2018, I disputed this account on my Experian report XXXX in my file with Experian in regarding XXXX XXXX Public Record - REF XXXX XXXX .... 
and Experian has verified with this note below : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details - ( Experian report XXXX ) This answer from Experian is not possible and not true, because first, the United States XXXX XXXX not XXXX company! Were Experian verify this information? and if Experian got this information from a 3rd party, it is illegal. When I sent my dispute to Experian I provided Experian with the United States Court Clerk official letter explaining this information below : This court neither provides credit reporting agencies with information or 3rd party company ( letter from clerk attached ) I am upset that Experian and all these credit reporting agencies would try such a blatant stall tactic. It is clear that Experian never has the intention to investigate my consumer case and always using false tactics to damage consumer reports. Experian needs to delete this account from my Experian file immediately. 

Enclosed is a copy of my original letter and certified green receipt with the disputed items.
Product: Credit card

on XX/XX/XXXX I paid XXXX the balance on my Discover credit card. on XX/XX/XXXX I had an email conversation with a Discover rep, requesting that my account be closed. The rep indicated at that time that she had closed the account. 
Unfortunately, I forgot to cancel a recurring payment at my online bank, so a payment of {$200.00} was made, then the next day I got an email from Discover about an increase to my credit line. I just logged into their website to see that I have a balance of $ XXXX ... they deducted {$40.00} from my payment for interest charges - on an account that I had requested be closed, after paying it down to a {$0.00} balance. The rep who told me the account was closed on XX/XX/XXXX made absolutely no mention that further charges would be applied to the account. I opened a chat with another Discover rep to request that, since my account was supposed to have previously been closed, my {$200.00} be refunded to me and the account closed. She did close the account, but is only refunding the {$150.00}. I feel that the entire {$200.00} should be refunded, as the account closure mistake was theirs, not mine. I have an email dated XX/XX/XXXX from a Discover rep confirming that she had closed my account.