23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022 my property was stolen from my vehicle. This included my phone, wallet, and gym clothes. My sons mother witnessed the theft and filled out a police report with the XXXX XXXX police department in XXXX Louisiana. ( Report # XXXX ). My phone is set to stay unlocked in my vehicle which gave the thief unauthorized access to a few of my online accounts. In addition the thief had my wallet which contained my regions bank debit and credit cards. Subsequently this person, maxed out my credit cards and cleaned out my bank account. The person was obviously skilled because they did it in a matter of moments while maintaining a relatively close distance to my vehicle while doing so. As a result, I myself also filled out a police report to document the fraudulent charges and report my items stolen personally. This report was also filed with the XXXX XXXX police department in XXXX Louisiana. Report # XXXX. I received an email on my desktop alerting me of a large cash app transaction. I immediately responded that it was not me who made the charge. At which point my debit card was deactivated and I made my way to the bank. I was told I had to wait until after that charge had finalized to file a dispute. So I did as they instructed me. When I filed a dispute, I told the banker at the branch that there was police report associated with this claim. 10 days later, I was told my claim was denied, but that they had no information about a police report on file so I gave them the information again they re-opened it only to deny it again. With the reason stated that because I had use cash app in the past they would not approve my claim. However, had the investigator even taken the time to read the reports they would know exactly how this transpired. This person stole my social security XXXX check and I am the only person who will suffer as a result of the poor investigative skills and lazy handling of the investigators with REGIONS BANK. Who saw fit to deny my claim with 2 separate police reports documenting the situation.
Product: Credit card

I got a letter from Synchrony Bank dated XX/XX/year> stating that the terms on my account has changed. 
It has a note in it that I have the right to reject the changes other than any changes to the APR ( s ).

Two of the changes are very objectionable : 1. There is now a promotional fee. The promotional fee is applicable to any purchase made before the effective date.

2. They are now charging a statement fee. 

I called up the number provided XXXX, thinking I can reject the change. I get an automated message saying this is to cancel the account. I called the regular customer service line XXXX to get clarification. The customer service rep is saying I would be closing the account so it can no longer be used, which I am fine with but then they will continue to send me the bills and charge me the fees I have rejected.
Product: Bank account or service

Yesterday I started receiving emails from Wells Fargo Online stating I needed to sign into my online account to receive updated disclosure information. I received over XXXX emails but the link and last XXXX digits of the account number on the emails were not mine. I called and talked to their technical support and was told they could n't do anything last night as everyone had gone home. Meanwhile emails continue to come in maxing out my primary email address and then filtering into my back up one. The agent said they would look into it and get back to me. After numerous calls today, I was told it was an error and they could n't stop the emails and I would need to delete them all or filter them out. Since they were all received emails there was no way for me to filter them. I called my internet service provider but no luck, Meanwhile Wells Fargo did nothing to reassure me this was not a security breach and no one had my email addresses and information. They offered no compensation for my time and time spent removing these thousands of emails XXXX at a time. I also stated I was concerned as the customers who did not get these notifications but it did n't seem to be a worry for them.
Product: Debt collection

Several weeks ago, I received a call from Affiliate Asset Solutions. They claimed to be collecting on a medical bill from a XXXX emergency room. They told me the emergency room sold my debt to their client, Pendrick Capital Partners. I asked for something in writing providing info about the debt and documentation showing that Pendrick actually purchased the debt from the hospital. I received an account statement in the mail, but I still was not provided with documentation proving that Pendrick owned the debt. I can't be expected to pay someone if they can't prove the validity if what they are claiming. Today, I received a call from a very hostile woman at Affiliate. When I explained that I still didn't have anything showing that Pendrick was the rightful owner of the debt, she yelled at me and told me if I needed to know who Pendrick was I should call them. I told her I was disputing the debt because I didn't know who the alleged owner of the account is and hadn't been notified that an account ( which I still don't know what it's for ) of mine had been sold. I told her that I knew she has a obligation to help resolve disputes on debts they are trying to collect. She yelled that I had an obligation to pay my bill and then hung up on me. I called back and asked for a manager to try to resolve the matter. The manager yelled at me as well and was not willing to provide proof of who the current creditor is for the alleged account. I ended the call because the manager wouldn't stop yelling and wouldn't help resolve the problem. 

I immediately sent an email to Affiliate Asset Solutions ( at the only email address I could find on their website : info@affiliateas.com ) requesting that they cease and desist all communication with me. I should not have to deal with degrading hostility when I was just trying to get proof of the validity of the debt.
Product: Credit reporting

I have not had any success removing this incorrect entry on my Experian credit file. It returns as verified, but It is too old to be on my credit file. The last payment was made on XXXX XXXX. Thank you. 

XXXX XXXX XXXX Account Number XXXX Auto Installment Loan {$3600.00} Past Due Date Opened XXXX/XXXX/XXXX Account Status Closed
Product: Checking or savings account

For the second time Wells Fargo again refused to respond to my issue THE ANSWER WAS A COPY AND PASTE STANDARD ANSWER HAS NOTHING TO DO WITH THE SUBJECT OF MY COMPLAINT., Case Number : XXXX & XXXX. XXXX which brought me here. XX/XX/XXXX, at XXXX XXXX This was the first time I entered a Wells Fargo branch since XXXX. At my visit to branch # XXXX in XXXX, CA, I found out that my teller machine card was expired, I requested from the employee at the window to order my replacement card. The employee requested help from the branch manager, who, after looking at my account, told me that he can not order a teller machine card from his computer and that in order for me to order a new card, I MUST MAKE AN APPOINTMENT AND SIT WITH A BANKER.He then proceeded to tell me that no appointments are available soon, but he can put me on a waiting list and get me to meet a banker faster than making an appointment. which I found it ODD because i have been with Wells Fargo for more than 35 years. Usually they want you to sit with a banker to try to convince you to open more accounts that you do not need and to make investments that profit the bankers. I WANT TO KNOW : 1- WHY DID THE MANAGER AT THE BRANCH TELL ME THAT I NEEDED AN APPOINTMENT TO SIT WITH A BANKER JUST TO RENEW MY TELLER MACHINE CARD? It must be a hidden reason that benefits the banker. 2- DOES THIS MANAGER THINK I AM XXXX  TO TELL ME THAT HE CAN NOT RENEW MY CARD ON HIS COMPUTER? 3- HOW COME WHEN I WENT OUTSIDE OF THE BRANCH AND CALLED CUSTOMER SERVICE XXXX THE CUSTOMER SERVICE RENEWED MY CARD IN 30 SECOND PHONE CALL? 4- WHY DOES THE MANAGER OF THE BRANCH HAVE NO EXPERIENCE AND NOT KNOW HOW TO RENEW A TELLER MACHINE CARD? 5- IS WELLS FARGO HIRING MANAGERS FOR THE BRANCHES WITH NO EXPERIENCE SIMILAR TO THE ONE WHO JUST ANSWERED MY COMPLAINT AND THE ONE WHO TOLD ME HE CAN NOT RENEW MY TELLER MACHINE CARD ON HIS COMPUTER?, 6- WHY HAS WELLS FARGO REFUSED TO INVESTIGATE THIS POSSIBLE MISCONDUCT? This was the answer of the Executive FROM XXXX XXXX Case Specialist who did not address my complaint properly, refused to forward my complaint to a XXXXnager, and refused to investigate. the executive WORKING FROM HOME office case specialist response was a copy and paste standard answer that they send to everyone. - { Thank you for your patience while we looked into your concerns. Weve completed our research and are ready to share our findings. Were sorry for any service concerns you may have experienced when you attempted to get assistance at a Wells Fargo Branch. We strive to provide exceptional service, and its disappointing to learn we didnt meet this expectation. Were constantly reviewing and revising our practices and procedures to improve the customers experience, and we appreciate any input that helps us do this.
Product: Debt collection

I am writing to formally dispute the presence of fraudulent charge-off and unauthorized collection accounts on my credit report, which have appeared without my knowledge or authorization. After reviewing my credit report, I discovered these accounts that I believe to be the result of identity theft or other fraudulent activities. I am providing detailed information below to aid in your investigation. 
Account Information : XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
XXXX XXXX XXXX PLEASE DELETE!!! 
I have no knowledge of the accounts mentioned above, and I did not authorize any transactions or credit agreements associated with them. It appears that my personal information has been compromised, leading to the creation of these unauthorized accounts. I have taken immediate steps to report this identity theft to the appropriate authorities. 
I kindly request that you conduct a thorough investigation into the origin and legitimacy of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ). I am aware that the FCRA requires credit bureaus to investigate disputes within 30 days of receiving a consumer dispute, and I urge you to adhere to this timeline. 
If your investigation reveals that these accounts are indeed the result of fraudulent activity, I request that you promptly remove them from my credit report to mitigate any negative impact on my credit standing. Additionally, please provide me with an updated and accurate credit report reflecting the removal of these unauthorized accounts.
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 3 credit Bureaus are required to validate 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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the consumer, never received proper validation of debt which should include XXXX required items according to congress although my consumer report does reflect that they showed an active dispute. This further confirms that their practices are deceptive and illegal. 

Pursuant to XXXX Purposes of Consumer reports 15USC 1681b I never gave this third party debt buyer as described as account type. So they are calling themselves a debt buyer which insinuates that I the consumer owe an alleged debt which is also a violation Furthermore, I never gave written communication giving this debt buyer the right to furnish this information on my consumer report which per 15US 1681b states that they must have either written consent or subpoena by federal law to place information on my consumer report which none have been provided. 

Please provide details to substantiate contract or right to be debt buyer on behalf of the original debtor as shown on my consumer report as XXXX BANK. Furthermore, the contract between myself the consumer and Midland Funding to illegally humiliate me by furnishing this incorrect information without my consent. 

Furthermore, my consumer report currently reflects that Midland Funding completed investigation of FCRA dispute. 15 USC 1681a of the FCRA defines an " investigative consumer report " by performing a personal interview with neighbors, friends, or associates of the consumer. 

As you show on my consumer report you performed an investigative report. Please provide proof of whom you spoke with to confirm that information listed in my consumer report is true and accurate. 

While I know that this type of interview was not performed to substantiate your alleged investigation I am forced to move forward with pursing violations as outlined in the items above. 

You will also remove this information from all my consumer reports immediately or I will be forced to persecute your company for not only violating my consumer reports per federal law, but also deformation of character based on your false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXXXXXX XXXX XXXXXXXX listed as closed on my report but it shows a balance {$280.00} which I do not owe. This account has been disputed with Equifax last on XX/XX/21 but many other times before. They failed to investigate or even respond to my dispute. Also, they are violating my rights because they have never marked the account as being disputed according to FCRA. This account is also being illegally re-aged by the bureaus. At this point, I want this account deleted due to inaccuracies, errors, and being incomplete not to mention the creditor has never validated this alleged debt. I included tracking numbers of all letters attempting to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Lender falsely reported a 30 days late payment for the month of XXXX. This is inaccurate, i made my payment on time, as the screenshot shows. There is also a lack of consistency in the reporting to the three credit bureas. No data reported to XXXX, or XXXX.
Product: Credit card or prepaid card

I missed a payment of my credit card statement of {$12.00} by 7 days. they charged {$17.00} late fee, plus interest. the fee posted the day after due date I thought the fee is not allowed to be more than 100 % and even if yes, it's very greedy. 

I usually contact the company before filing a complaint, but their getting worse by the day, I felt I need to call them out. I don't want to need to call every 2 months and threaten a complaint
Product: Credit reporting or other personal consumer reports

I Disputed Inaccurate and incomplete XXXX XXXX Account XXXX XXXX XXXX and Equifax disputing the inaccurate information on my credit report that pertains to my account with [ XXXX XXXX, ACCOUNT NUMBER XXXX ]. After reviewing my consumer credit file with my home loan officer I have found that my account is not being reported accurately, and this misinformation is negatively affecting my creditworthiness. 

The following discrepancies have been identified : the account doesn't show up on 2 of my consumer credit reports and These inaccuracies are causing significant harm to my credit score and ability to secure favorable terms or funding in my home buying process, in fact it present a distorted picture of my financial responsibility.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to have all information contained in my credit report be accurate and verifiable. Furthermore, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies must maintain procedures to ensure that the information they report is as accurate as possible. By failing to accurately report my account, the credit bureau is in violation of these provisions of the FCRA.

Additionally, under 15 U.S.C. 1681s-2 ( a ), data furnishers ( XXXX and Equifax ) are required by Law to provide accurate information on my consumer credit report and If there is an error in the reporting of the account as seen in the attached file, the credit bureau has the obligation to correct this discrepancy.
Product: Checking or savings account

Can't connect my PNC account to my XXXX XXXX account, even though PNC sends me a message saying my account was connected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX, XXXX XXXX, 15 USC 1681 section 602 A, 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. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.I, 15 USC 1681 section 602 A, 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. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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, credit repair services, or other personal consumer reports

I want my late payments removed from my credit report. The loan is current and that particular loan has been transferred and closed.
Product: Credit card or prepaid card

These charges listed below on my bill have been contested : $ XXXX-charged on my debit card-never showed on the account.

$ XXXX-charged on my Lowes account-no explanation $ XXXX-added for my fence after it was in progress $ XXXX-my estimate for roofing materials-could be more, could be less {$1800.00} more or less is the amount I contested.

We talked with a manager right after the work was complete in XX/XX/2019 and I had questions about the charges and my roofing materials. I gave him pictures and detailed information. He said someone would be in contact with us soon. That never happened.

I paid everything else I owed in XX/XX/XXXX plus {$300.00} and sent in a complaint through Synchrony Bank. They said I needed to go to the store. That did not address my concerns as I had already notified the store Synchrony bank continued to add fees and interest throughout and reporting delinquency to credit reporting agencies in violation of the Fair Credit Reporting Act.
Product: Checking or savings account

When someone has a low balance and said person has minor consecutive payments, it causes extreme overdraft fees. Repeated XXXX $ fees for smaller automated payments? This is utterly ridiculous for people with low incomes. This comment is specifically directed towards Wells Fargo. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Family Support Service Department has put a negative remark on my credit on XX/XX/2018 saying I previously owed money to them because my childs father decided to go to the County and sign up to receive benefits. I have spoken with their department and they have actually told me that they should have never reported that to my credit because it was a mistake. Now this has caused me a great inconvenience with new ventures I am trying to pursue and I need this removed immediately from my credit since it was their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts : XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXXXXXX Balance : {$5400.00XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} The aforementioned accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account Info Account number XXXX Collection opened XX/XX/2020 Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/2020 Loan Amount {$1800.00} {$1800.00}. 


Payment Info Original loan amount The original amount owed on the account. 
{$1800.00} Balance {$1800.00} Status date XX/XX/2020. 

Contact XXXX XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX. 

This is a re-generating debt. 
This is not accurate and is many, many years old and needs to be removed from my credit file.