23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and several times before I sent in a certified mail # XXXX XXXX XXXX XXXX XXXX to XXXX , Letter to Equifax Certified Mail # XXXX XXXX XXXX XXXX XXXX request for correction to my credit report as it related to incorrect reporting on a XXXX XXXX Account, which was transferred to XXXX XXXX XX/XX/XXXX. <P/>XXXX XXXX finally corrected my credit file to reflect the Date of First Delinquency for that account to reflect XX/XX/XXXX. Per The Fair Credit Reporting Act Section 623 ( 5 ) ( a ) '' A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss or subjected to any similar action, shall not later than 90 days. '' My contention is per the attached information from XXXX : Delinquencies remain on the credit report for seven years, so the account will show the late payment and the charge off history for the seven years from the original delinquency date ( Date of First Delinquency ). The original delinquency date is the date of the first missed payment that led up to the charge off status. <P/>The original date that led to the charge off status was XX/XX/XXXX. Being that XXXX XXXX took well over the legal statutory reporting to report the charge off, I should not be penalized. Once XXXX XXXX was transferred the file, they should have reported the charge off by XX/XX/XXXX ( within the 7 year time frame ). <P/>The 7-year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity ; charge to profit and loss, or similar action. <P/>The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7.5 years from the date of first delinquency ( DOFD ). <P/>I believe XXXX/XXXX are guilty of re-aging my file, which is against the law. This item should have been purged. If XXXX XXXX had to internally charge off my account and they decide to do it in XX/XX/XXXX i should not be penalized with reporting of a debt from XX/XX/XXXX. A delay in XXXX internal business processes should penalize me and my family XXXX has not responded to my dispute as of XX/XX/XXXX. <P/>Please let me know if you can assist. <P/>Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fullfill its legal obligation under thw Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my crediy report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing adequately notify consumers of dispute outcomes. These failures align with my experience I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

As outlined in the attached short letter and supporting documents, Freedom Mortgage violated the FCRA by willfully and recklessly made incorrect reports of delinquency to Credit Bureau ( s ) they acknowledge in writing they should n't have made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Grain Technology is currently reporting as a charge off account on my credit reports. Its also reporting all payments missed for the past 2 years which is false. This account has hurt my credit. They have locked my account due to Fruad yet expected me to pay it. Which I have so it didnt hurt my credit as Im trying to purchase a home.

I have attached my most recent statement showing payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$620.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and unverified negative accounts currently listed on my credit report. After thoroughly reviewing my credit file, I have identified discrepancies that directly contradict the reporting from XXXX, which does not list these accounts at all. This stark contrast further substantiates my belief that the information you have reported is both inaccurate and unverified.
Product: Credit reporting or other personal consumer reports

While reviewing my credit file, I noticed a fraudulent account on my report.
Product: Checking or savings account

On XXXX XXXX I was transfering money out of my checking to my savings when i accidently choose the wrong account that no longer opened. I contacted Wells Fargo whom told me that they was not able to cancel the transfer to the bank account that it was been transferred to as she stated " she is not able to cancel the payment and to wait until the funds return ''. I waited i did not see the amount of {$280.00} transferred back into my Wells Fargo Checking Account. I reached out prior to the issue to both regions and Wells Fargo. I spoke with Wells Fargo a rep stated that he will be creating case to send to the claims department for a review. I contacte regions on Tuesday XXXX XXXX who stated that since the account is closed there is nothing they will be able to do about the my money in other words and that i would need to contact Wells Fargo . i have been back and forth with Wells Fargo to recover my money of {$280.00} i spoke with over numerous people that stated the person who handled the claim did not find an error nor fraud so they was not able to recover my funds due to the fund posting successfully into the account which is no longer opened! I have tried being nice to recover my funds as i explained to WELLS FARGO REPS the account is no longer opened the account is CLOSED! WELLS FARGO DID NOT RECOVER MY FUNDS THEY REFUSE TO GIVE ME BACK MY MONEY AND BELIEVE I AM SUPPOSE TO SIT BACK AND LET MONEY GO FOR FREE. THEY SEE IT WAS IT WAS A ONLINE TRANSFER BUT REFUSES TO RECOVER MY MONEY.
Product: Student loan

My husband and I have been denied the XXXX  consolidation because we have a spousal consolidation loan. We did what the loan advisers told us XXXX  years ago. Had we not, my husbands loans would qualify for the XXXX  consolidation loan and would then qualify for the XXXX program. We just followed the rules and are now being penalized. Currently Spousal Consolidation loans can not be re-consolidated into a XXXX consolidation loan, and therefore these public servants, after a lifetime of service, can not avail of the XXXX program. This condition raises financial risk for married and divorced borrowers in low paying public service. We seek fairness and equal treatment. 

The Joint Consolidation Loan Separation Act should be moved into law this year as it is the antidote to the blanket risk posed by any type of spousal consolidation loan. It installs integrity in the short term XXXX  waiver by allowing public servants who have sacrificed to be treated equitably and be given the same opportunity of credit towards forgiveness as their colleagues. We ask for support for the Joint Consolidation Loan Separation Act and the ability to make these loans into federal direct loans by the XX/XX/2022 deadline as the precursor to allow lifelong public servants access to the newly expanded relief measures in the XXXX XXXX XXXX XXXX ( XXXX  ) program. Many of us have performed public service for XXXX years, yet we are still facing the crushing debt of student loans/interest and a foreboding fear of never getting out from under them as we move towards the end of our working careers and lives. 

Please consider those of us that qualify and are being denied because we consolidated as we were advised to do. We desperately hope to separate our loans, so those of us that qualify for forgiveness can be forgiven, rather than punished just because we were guided down the wrong path.
Product: Mortgage

during application process lender collected XXXX dollar deposit and now will not reimburse the money after the application was terminated
Product: Credit reporting

I reviewed my credit report from experian and saw that a telephone # XXXX is listed as my residence. This is a family residence and I do not live there. The correct residence telephone # is XXXX only.
Product: Checking or savings account

PNC Bank on XX/XX/XXXX charged my account with a {$36.00} overdraft fee after accepting a payment for {$150.00}. My account didn't have enough funds but PNC went through the payment and afterwards charged the {$36.00} fee. 

It is not the first time PNC has done this. It should be a simple rule ; if there is no enough funds in the account, do not accept the payment. 

I called on Tuesday, XX/XX/XXXX to ask them to reverse the fee and to ask them why they didn't reject the payment. It is just common sense. The representative on the other line gave me an excuse, which I know it is nonsense. She said that she will escalate it and that they will call me back. I told her if they are to call me to cal after XXXX XXXX. Nobody has called. 

I want the overdraft fee reverse. Banks are charging way too many fees. PNC charges me as well a monthly {$15.00} maintenance fee.
Product: Debt collection

XXXX XXXX XXXX We had an XXXX  visit that was paid for by insurance why are they saying I owe {$580.00}
Product: Credit reporting or other personal consumer reports

I'm requesting your assistance to address remaining inaccuracies in my credit report attributed to fraudulent activities. Despite previous efforts, there are still entries that require removal in adherence to FCRA Section 605b. My preference is to resolve this matter without legal intervention, hence my appeal for compliance with applicable laws. I urge the elimination of the entries listed below, which I assert were established fraudulently, without my consent : EXPERIAN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Should these items be claimed as accurate and verifiable, I request copies of any documents bearing my signature linked to these accounts, which I believe do not exist. Lacking such evidence, I insist on the immediate deletion of these entries from my credit file. Note, a four-business-day window is provided to rectify these discrepancies as mandated by law. I oppose any automated verification processes, including E-OSCAR.
Product: Money transfer, virtual currency, or money service

Hello, on XX/XX/2022 my wife and I had went to a XXXX to get a western union money order to pay for our rent in the amount for {$1000.00}. After our rent was paid we had received a notice on the door on XX/XX/2022 stating that the money order for the {$1000.00} was returned and marked refer to maker and to submit a new money order to replace the previous one. Upon calling western union they claimed it to be cashed on XX/XX/2022. After conversation with the property management to get their financial institution information. XXXX Bank returned the check on XX/XX/2022 marked as REFER TO MAKER. 
Upon filing with Western Union for the amount of {$1000.00} to be returned as we didnt request for the money order to be returned we received a letter dated XX/XX/2022 stating the money order is cashed and no refund will be issued.
Product: Checking or savings account

So basically on XX/XX/year>, I got charged {$2200.00} from a merchant called XXXX XXXX in XXXX XXXX , CA. I contacted chase & gave them proof. I lost my phone prior to this event & never found it. I thought my payment cards were okay. Till I got charged. So Chase gave me temporary credit till they resolved the case & I just found out that they declined my claim. Because the merchant submitted proof. Basically someone used my debit card to secure a deposit to get tattooed over XXXX XXXX dollars worth of tattoos. When I literally have XXXX tattoos & they have the appointment on the XXXX & XXXX. So basically Chase just told me no. When I never ever did this purchase?
Product: Credit reporting or other personal consumer reports

I appreciate the time XXXX made to remove two fraudulent inquiries. However, there were still items that I needed to remove from my credit reports. And Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. So please remove these items listed in complaint. Please see items that the Credit Bureaus needed to remove within 15 days timeframe below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submitted two disputes online, one on XX/XX/XXXX and the second on XX/XX/XXXX to the credit bureaus. My rights have been violated by not doing a fair and complete investigation on these accounts and by not notifying me with the results. 

Two accounts on my credit report increase the balance every month. 
Armada Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, Amada  balance increased by {$1.00} XX/XX/XXXX XXXX XXXX XXXX {$7.00} XX/XX/XXXX Amada  increased  {$1.00} XX/XX/XXXX XXXX  increased {$8.00} XX/XX/XXXX XXXX  increased {$9.00}, Amada increased {$1.00} XXXX XXXX is also showing a payment was made on XX/XX/2016 when I have never verified this account nor made a payment to them. 

I don't believe the balances should be changing as these are collection companies, not original creditors. They are also showing a past due balance, when they are collection agencies and should not be reporting past due balances as I have never had an agreement to make a payment with them so how can something be past due?
Product: Debt collection

XX/XX/2021 - Received a call from Atlantic Recovery Solution at XXXX PM. They gave information out without verifying who they were speaking with. I continued the call regardless and asked to send a physical validation notice. They refused to send me one. 
XX/XX/2021 - I called back to Atlantic Recovery Solutions at XXXX PM to verify what address they had on file, they had the incorrect address so I asked them to update it and send me a physical validation letter. They refused again.
Product: Checking or savings account

Hi Wells Fargo Support Team- I noticed several fees on my Wells Fargo account that I would like to ask for a refund on. I have been a loyal customer of Wells Fargo and hope to continue, but these fees are becoming really frustrating .... Especially when there are now so many fee-free banks and its been such a tough year! 

Can I get a refund on the {$87.00} from my transactions below? 


CASHED/DEPOSITED ITEM RETN UNPAID FEE - XX/XX/XXXX - {$12.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$260.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$15.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX *XXXX  - XX/XX/XXXX - {$15.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$280.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$15.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$10.00} XXXX XXXX  CLUB FEES XXXX XXXX - XX/XX/XXXX - {$15.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX {$15.00} Thanks a ton, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Home shopping ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. 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

I sent a a complaint that they are reporting inaccurate and incomplete credit information and breaking the law. On XXXX and on XXXX I sent them a letter to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed in letter and they never did it is now XXXX and the accounts are still on my report they have not sent proof and are breaking multiple laws. 
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Credit card or prepaid card

XX/XX/XXXX Capital one Credit Card multiple calls XX/XX/XXXX Capital Credit Card XX/XX/XXXX ask on multiple occasions to lower my rate. I have perfect credit score. I have 2 accounts with them one with a really low rate and high limit. One with low credit limit and high rate 19.99 % I asked many time over the last few months and get the same response we do not lower rates or negotiate them. No reason why ie pandemic. Every single credit company i have business as standard practice negotiate interest rates based on credit worthiness. I esclated this up the management chain to supervisor same scripted response no explanation as to why its is so high. No what would i need to do to lower it. When i mentioned I was filing this complaint they did not follow guidelines for who it need to be forwarded to within capital one. After holding for 15mins I was disconnected. Called back on hold again for 10min. Then hold again for 10min for supervisor then 10 again so 40min to resolve something that should have taken 5 to 10mins tops. This complaint is they seem to be acting out of bank standard without offering options. That and now following established bank compliance 's on how to handle complaint that gets to this level. The time i was disconnect no call back. Considering what people are going thru with pandemic this horrible
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete all accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Please find below the accounts and inquiries associated with this data breach : Accounts : XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$980.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$980.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$29.00} XXXX. XXXX XXXX CO Account Number : XXXX Date : XX/XX/XXXX Amount : {$1500.00} XXXX. XXXX XXXX CO Account Number : XXXX Date : XX/XX/XXXX Amount : {$560.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$260.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$630.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$980.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$160.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$30.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$160.00} Inquiries : XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Ive sent MULTIPLE letters to this bureau and Ive requested multiple times to show me hard proof of any signed documents that I physically signed. According to 15 USC Chapter 41, that is required by the bureau when requested. I dont agree with any third party verification or the XXXX  system. Nothing involving me and my credit report should EVER be verified through any software. I am asking for hard proof, if not. This should be deleted. Ive attached all the letters Ive sent requesting the HARD PROOF VERIFICATION, not any verification through any software, third party verification, and/or XXXX!