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

I entered into a 2 year contract with XXXX circa XX/XX/XXXX for XXXX XXXX phones not service. Those phones were paid off at the end of the contract term on XX/XX/XXXX after which time I paid a monthly fee on a month-to-month basis for service. This payment was paid before service was rendered thus when the end of the month ended the service ended ; our relationship ceases. Months later I began receiving mail that I owe {$690.00}. This is not true, I do not owe this debt. Additionally, XXXX5 U. S. Code 1681s-2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however, Equifax and XXXX  have not removed this from my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue but I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX 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 an account without my written instructions. 
I am requesting that this credit reporting agency validate the information and provide me with a detail process of which was used to draw that conclusion. I have read that you the agency as XXXX days to furnish this report and if not reported within XXXX days this inaccurate information be removed from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate 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 investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Provided a payment plan that did not disclose will still be reporting account delinquent when offering a low assistance payment plan. Then decided to report the account delinquent.
Product: Credit reporting or other personal consumer reports

I financed a car thru XXXX XXXX  XXXX as time went on XXXX XXXX XXXX  went out of business for conducting crooked business exactly the same time I around to pay off the car how ever this happened with the company going out of business the car was paid off and then transferred over so on my credit its says I never paid off the car when I did the car was fully paid off and the transferred to somewhere unknown even XXXX couldnt see where it was transferred I have contacted the company and they have no information if me at all but have a disposition on my credit report. This report needs to be updated as paid off or completely removed from my credit profile because it was transferred and no one knows where it was transferred to and now its showing as a collection on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out multiple times explaining to XXXX XXXX I as the consumer never gave consent to reporting any information according to 15 usc 1681 b ( 2 ) and explained that In addition to 15 usc 1681 b ( 2 ), 15 usc 1602 ( p ) XXXX XXXX reporting without my consent is considered unauthorized use of my credit card, social security number
Product: Credit card or prepaid card

The pre-paid card I was sent expired with about {$150.00} left on it, so it was no longer able to be used. However, the company claims that the " funds do not expire '' and that by contacting customer service, you will be able to get a replacement card and still access your funds ( there is no way to do it from their website, it says you have to call customer service ). Unfortunately, when calling the customer service number on the back of the card, it is an automated system with no options to select for an expired card, and no option to speak to a customer service representative. I was finally able to resolve the issue by selecting the option to " dispute a transaction '', then getting transferred to a customer service representative. This seems like an extremely deceptive practice designed to make it as difficult as possible for people to get access to their money if their card has expired.
Product: Mortgage

Paid for assistance in what was explained to as a soft chapter XXXX By Open sky and long story short sorry you didn't get approved for the help.
Product: Debt collection

I paid a collection for XXXX cents to a collection company and they are still billing me for XXXX. Double what they said i owed and paid in full. I refuse to pay another dime to them. Please help me to get them to stop attempting to contact me anymore to collect a debt that I've already paid.
Product: Checking or savings account

On XX/XX/XXXX {$870.00} was taken out of my checking account by Wells Fargo without just cause. It was charged by XXXX XXXX in XXXX XXXX, CA I was not there nor did they have Authorization. It took a while of yelling at them for them to put it back, but they did. They tried to blame it on computer system issues. 
After that, WF took the money out again last month, blaming it on length of charges taking to settle. No such thing happens like this. I also noticed that they had my debit card number, it's Defenitely fraud. 
I've argued with the bank repeatedly, it shows just how crooked this bank is. 
They also filed a claim but that's also fraud because they did it as if I filed it ... ... they lied about giving me the claim number, seems pretty screwy. I've contacted this place also but they won't return the money. 
I've suffered th e loss of my fiance, had XXXX XXXX, etc ... ... this bank should be shut down, it's a disgrace!!! 
I'm reaching out to you guys so I can recover some of this money, please I really need the help!!! 
THANK YOU!! 
XXXX XXXX. 
I can provide bank statements
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, submitting this complaint independently without any third-party involvement. Attached are letters detailing the discrepancies in my credit report. The XXXX bureaus, XXXX, Experian, and XXXX, have reported inconsistent and untimely information.
Product: Consumer Loan

I 've started a new job which means my pay dates are off from when i first started the loan. i called to have the dates moved to the days that i actually get paid, and was told that i could n't do that.
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( TransUnion, XXXX or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of XXXX5 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX, MI XXXX My only date of birth is XX/XX/year> You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a Multip le Inquiry Removal Letter o n  XXXX   XXXX ,    2017 b y certified mail in order to dispute information in regards to  XXXX  inquiries that was being reported on my credit report. They received the letter on  XXXX   XXXX  , 2017    and they completed the request on  XXXX   XXXX ,    2017. The  request that I submitted included inquiries that were not factual and I received the same response for ALL inquiries which were " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it s tates that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 7 days after the receipt of my certified letter, one can assume that there was no investigation into this matter. I am in the process of purchasing a home and having this many inquires on my credit report display a sign of financial trouble when this is absolutely not the case. I am submitting this complaint due to the lack of investigation into my original dispute for inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX  XXXX account # XXXX XXXX  XXXX XXXX  account XXXX have violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me.
Product: Vehicle loan or lease

Wells Fargo did not apply payments correctly resulting in excess and incorrect late fees charged to my account.
Product: Credit reporting or other personal consumer reports

Please Supply Me With Information That Was Use to Verify The Items Or Delete The Late Payments. 
I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : SAFCO. ACCOUNT # XXXX DATE OPEN XX/XX/2021 Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Page 36 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

Heres a sample debt validation letter you can send to the collection agency to request verification of the debt. Be sure to customize it with your details XXXX XXXX XXXX [ XXXX XXXX XXXX ] XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Collection Agency Address ] [ City, State, ZIP Code ] Subject : Request for Debt Validation Account # XXXX Dear Sir/Madam, I am writing to request validation of the debt referenced in my credit report, which is listed under the account number XXXX. According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request detailed verification of this debt before making any payments. 

Please provide the following information : 1. Validation that I owe this debt, including a copy of the original agreement or contract.

2. The name and contact information of the original creditor.

3. An itemized breakdown of the amount you claim I owe.

4. Proof that you are authorized to collect this debt in my state.

5. Confirmation of when the last payment was made on the account.

If you are unable to provide the requested documentation, I ask that you remove this collection account from my credit report and cease all collection efforts.

Please consider this letter a formal dispute of the debt until proper verification is provided. I request that you respond in writing within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] Make sure to send this letter via certified mail with a return receipt so you have proof of your request. Let me know if youd like any modifications!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a XXXX transfer from XXXX XXXX ( XXXX XXXX ) has been initiated for XXXX USD. The XXXX status message provided by the sender bank helped me to track the money. Which showed that money has reached XXXX XXXX XXXX XXXX ( which Wise uses ) on XX/XX/XXXX at XXXX. Per the field XXXX in XXXX message I've confirmed that routing number and account number was correct and with a slight possibility that account name was not entirely correct. The account name included my name but with an additional word as well. 

Money should've been in my account at this point but I've waited XXXX business days as Wise suggested on their application. With numerous calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I haven't reached any conclusion on the whereabouts of my money. Their so called " payments team '' has failed to track the money. They informed me in XXXX instances that they were unable to find the money. By fail I mean they couldn't even see any failed transaction as well. 

The first email that I received from them was on XX/XX/XXXX. The email stated, " Sorry, we couldn't locate your payment. '' without any additional detail. The second email I received was on XX/XX/XXXX. This email had the same text as previous one but added this statement, " Thats because the account number entered was incorrect. So the payment was automatically rejected. ". 

Now, this suggest that they were able to see the transaction and I should've received the money back long time ago. No such thing ever happened. Also the account number was correct. To clarify field XXXX was concatenation of my routing number and account number. 

My sender bank informs me that the money has been accepted by XXXX XXXX XXXX XXXX ( Wise ) so no rejection..
Product: Debt collection

medical data sy XXXX Debt was so to this collection agency by the XXXX XXXX XXXX XXXX in XXXX, Florida. This hospital was recently named the most overpriced hospital in the nation by one national study. They charged tens of thousands of dollars for a minor procedure that costs only a couple of hundred dollars. My insurance paid the fair amount ; I refused to pay any more. We filed bankruptcy prior to this occurrence, but this debt was also supposed to be included as it was within a certain time limit. For three years, they have been hassling me. Please help make it stop.
Product: Checking or savings account

On XX/XX/2023 I was charged a maintenance fee of {$15.00} dollars on my checking account. I have been seeing this charge and other fees more often on my account even though I comply with requirements. My checking account is free of charges as long as I keep a minimum of {$100.00} dollars. On XX/XX/2023 I went overdraft on my account due to a merchant processing a payment late. I was charged an overdrawn fee of {$35.00}. But there is grace period to avoid the fee of {$35.00} if you make a deposit which i did same day. The overdraft fee was reversed of {$35.00} and I complied. But on XX/XX/2023 I was charged a maintenance fee of {$15.00} even though I complied with the requirements of maintaining my account above {$100.00} within the grace period of same day bringing the account to good standing. These fees are misleading and deceptive that TD Bank is charging because even though you comply with the requirements, they still charge a fee later of hoping that you will not notice. These fees are deceptive and even though I complied by making a deposit and avoiding the overdraft fee of {$35.00} and low balance fee of {$15.00} I was still charged at the beginning of the month the {$15.00} dollars. I feel that if I complied and kept my account in good standing that I should not be charged any fees. But TD Bank has a tricky system that will still charge you the fees even though you are within the guidelines. Please see an email I got regarding " grace period '' guidelines that I did follow but was till charged the fees. There has been other feed added overtime such as ATM fees, balance inquiry fee, ect. Most of these fees are bogus ATM 'S that automatically process without you even asking for a balance and not my request of fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to formally file a complaint against American Express regarding unfair interest charges and fees applied to my account for a payment discrepancy on my credit card ending in XXXX. 

In XX/XX/year>, I fully paid off the balance on my American Express credit card. As a result, there was no payment due in XX/XX/year>. I resumed using the card in XXXX, and a payment was due on XX/XX/year>. 

On XX/XX/year>, I logged into my account to make payments for both my American Express accounts : Credit Card Account Ending in XXXX Loan Account Ending in XXXX I completed a payment and received a confirmation email. However, I mistakenly believed the confirmation email was for my credit card ending in XXXX, not realizing it was for my loan account ending in XXXX. I also thought the credit card was set up for autopay. 

American Express called me on XX/XX/year>, notifying me that the credit card payment was late. As soon as I was made aware of this, I immediately made the payment. However, I was charged a {$40.00} late payment fee. 

Following this, I discovered that American Express charged me interest on the entirety of my XXXX and XXXX purchases, totaling {$240.00} for XXXX and {$370.00} for XXXX. Over {$600.00} in interest and fees were charged due to a five-day late payment, which was an honest mistake that I rectified promptly upon notification. 

I have contacted American Express and requested a reversal of the interest charges, but they refused, claiming there was nothing they could do. I believe this is unfair and punitive treatment of a long-time customer who has held this card for over ten years and maintained a good payment history. 

I am now forced to consider canceling this credit card due to the lack of resolution and poor treatment, which will negatively impact my credit score. I believe American Expresss refusal to adjust these charges and the undue financial penalty are unreasonable, especially given the circumstances of the error and my immediate corrective action. 

I respectfully request that the CFPB review this case and intervene to ensure that the interest charges for XXXX and XX/XX/year> are reversed. I also request that American Express provide a more reasonable resolution process for such disputes to prevent similar issues in the future. 

Account Information : Credit Card Account Number : XXXX Loan Account Number : XXXX Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX  VA XXXX Thank you for your assistance in resolving this matter. Please feel free to contact me at XXXX or XXXX for any further information. 

Sincerely, XXXX XXXX