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

Called capital one due to my funds not being deposited They are not answering the phones XXXXeading online they are being sued Am I XXXX out of my check because of their improper negligence My car payment is through them also and is now going to be late and report late on my credit This is absurd
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : TEXAS XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by TEXAS XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made On Time : I made the payment for XX/XX/XXXX on time. I have provided bank statements and payment confirmation receipts showing that the payment was processed before the due date, but the late payment was inaccurately recorded. 
Clerical Error at TEXAS XXXX XXXX : After reviewing the account, it became evident that the late payment was a result of a clerical mistake on the part of TEXAS XXXX XXXX. The payment was mistakenly applied late despite being made on time. I contacted customer service, and they confirmed the error. I have attached email correspondence from TEXAS XXXX XXXX confirming this issue. 
Account Closure : The account was fully paid off and closed as of XX/XX/XXXX, and no further activity or payments should have been reported after that date. The presence of a late payment in XX/XX/XXXX is not only inaccurate but also impossible given the account 's closure status. I have attached the account closure statement from TEXAS XXXX XXXX as evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

To whom it may concern, I am extremely disappointed. I have tried several times to release the freezeon my credit report with Experian, as I have done numeroustimes before but the systemwouldnot allow me to release the freeze. Nothing has changedwith my information, address, social security number, birth date or anything so there is nota reason that I should not be able to release the freeze. So, I triedto call to see if I get get some assistanceover the phone and had no such luck. All the representativewould tell me is that I needed a pin number. Well XXXX, if I had the pin number perhaps I could have releasedit without having to call for assistance in the first place. I was able to release it before without a pin number. So that is all she kept telling me but I was never given a pin number and she could not give it to me over the phone or reset anything so I can gain access to my report, not even if I answered security questions. I understand the whole privacy concern but I could haveanswered any security questions. Instead she tells met that I have to send a copiesof documentation via US Mail, taking God only knows how many days to reach experian, let alone for the pin umber to get back to me get back to me so I can try again. I am trying to purchase my first home and do not need the added stress and delay.
Product: Debt collection

I am filing this complaint against National Credit Systems , Inc. regarding the alleged debt of {$6700.00} ( Account Number : XXXX ), originally with XXXX XXXX XXXXXXXX XXXX I have sent a debt validation and cease and desist request under the Fair Debt Collection Practices Act ( FDCPA ), asking for detailed validation of the debt, including itemized statements, audit trails, and any agreements obligating me to pay this debt. National Credit Systems has not provided the requested documentation, and they continue to report this unvalidated debt to XXXX, XXXX, and XXXX. National Credit Systems has not provided any supporting documentation for the alleged debt, including how the {$6700.00} balance was calculated. I have requested they cease all communication and delete the tradeline from all credit reporting agencies, but they continue to report the debt, which has caused damage to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a chapter XXXX bankruptcy in 2012. The account was discharged in bankruptcy and no longer on wage earner plan. It should not even be there. Even though account is closed, they are now reporting late payments on wage earner plan. It lowers my score!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected or removed from my file 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
Product: Checking or savings account

My son went to eat dinner at a restaurant called XXXX XXXX on XXXX. Thats where he used the debit card to pay the bill and the numbers were stolen from the card. on XXXX there were several charges for XXXX for the amounts of XXXX, XXXX, XXXX, XXXX. On XXXX They had a charge for XXXX for the amount of XXXX. Well i reported the fraudulent charges to the bank ( Capital One ). they said they were to investigate it and we would be notified of a decision. I also cancelled the debit card on XXXX the day that i saw the charges on the account but couldn't file a claim until the charges posted to the account. I also reached out to the restaurant because that was the only place he had used the debit card at. from there i was put in touch with there corporate office, The girl that works there said after review of the camera 's she said that she seen where the numbers were taken down and by who. She said it was a girl named XXXX, also some guy and she wasn't sure if the server was in on it to. Upon further investigation they were all fired from the restaurant. The bank denied the claim! I went on vacation out of the country for 2 weeks so when i returned i called to check on it. I was informed that it was denied, I asked how was it denied and thats what they said. I argued the point. So they said they would open another investigation. well that was on XXXX. I called today on XXXX they r telling me that it could take up till XXXX of XXXX to make a decision. Well they have never replaced the $ that we claim was fraud! This is not right. Now we are out $ XXXX.That is more that my son makes in a week. Times are hard I have given them all the evidence to prove that this was fraud!! phone numbers and all. Something needs to be done!!!
Product: Credit reporting

Transunion, has failed to update my credit report which is causing me not to be able to rent an apartment. I have a XXXX balance with XXXX aka. XXXX. The balance owed has been paid off for 2 years! Transunion has also been reporting that I was evicted, however I have never been evicted from any home. On-site. which is the screening service used by apartment rental companies are also showing this information which is in accurate.
Product: Credit card

XX/XX/23 signed up to take XXXX XXXX XXXX trip to XXXX. 
XX/XX/XXXX, we were told orally trip was cancelled. 
I started a chargeback on my credit card. 
Requested refund multiple times. 
XXXX filed travel insurance claim. 
XXXX XXXX said they sent check. 
Sent a merchant complaint about XXXX XXXX to XXXX for " taking '' XXXX  but defrauding their merchant agreement. 
Not received, and wrong amount. 
I want FULL credit
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DIVERSIFIED ADJUSTMENT account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Cease and Desist Request Alleged Debt Dear DIVERSIFIED ADJUSTMENT, I, XXXX XXXX XXXX am requesting that you cease all communication with me regarding the alleged debt, pursuant to theFair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ). Under this law, you must stop contacting me except to confirm the cessation of collection efforts or to notify me of legal action. 
I also remind you of your obligations under15 U.S.C. 1692to avoid any unfair, deceptive, or abusive practices. Failure to comply with this request may result in complaints to theConsumer Financial Protection Bureau ( CFPB ) or legal action. 
As of the date of this letter : 1. I do not acknowledge the validity of the alleged debt. 
2. You are instructed to stop all communication with me immediately. ( that includes credit reporting ) The only communications I will accept moving forward are : Written confirmation that you have ceased collection efforts. 
Notification of any legal actions you intend to take. 
Please confirm receipt of this letter and compliance within15 business days. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When reviewing my credit report, I came across inquiries from your company that I did not authorize. These are harming my credit score, and Im extremely upset about this.
Product: Credit reporting or other personal consumer reports

I opened a business credit card account with Capital One and they started reporting transactions to my personal credit, which I didnt opened this account for. It is not listed in the agreement prior to opening this account that this business credit card account will be reporting all transactions to personal credit accounts. This is my dispute I reach out to capital one and they said it is what it is they cant do anything the business credit card reports to personal credit. Which is not right Im using this account for my business under my business name and capital one is doing improper and misleading advertising about this Capital One Spark business credit card.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing late on my Equifax credit report as of XX/XX/22 please see image named XXXX. This is incorrect. Tried filing a dispute on the Equifax website, but it doesn't let me. As you can see from attached documents this account was always in forbearance during this time. Please fix this. 
Thanks, XXXX
Product: Credit reporting or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I filed a complaint XXXX some time around late XXXX or early XXXX against Wells Fargo Home Mortgage. This is in regards to my home that is in foreclosure. I have in good faith attempted to contact Wells Fargo bank in order to save my home. Wells Fargo has been deceptive in regards to my previous complaint as well as the whole modification process. So during the time that they are supposed to be working on a solution for me and my family to save my home Wells Fargo had a foreclosure sale date of XXXX XXXX, XXXX. I was never informed and never received anything in writing. In late XXXX I followed up with the lender as I had not heard from them and I was extremely concerned because I want to save my home. I was horrified to learn Wells Fargo had a sale date. I requested any and all information pertaining to my property. Wells Fargo faxed a copy of the trustee sale in a foreign language. It 's my opinion that Wells Fargo has never had any intention on helping us save our home. They have have not offered any solutions that many banks offer homeowners to save their homes.
Product: Credit card or prepaid card

Yes I'm having hard time making payments on 3cards on my cards due too hardship and bills I'm on XXXX also living paycheck too pay check. Im hoping they can do deffered payments on my account so I can catch up down the road. I am on there special program. But they still charge interest on them. Late fees also.
Product: Checking or savings account

TILL NOW XX/XX/23 WELLS FARGO IS STILL IGNORING MTY ACCOUNT MAILING ADDRESS PREFERENCE AND WELLS FARGO NOT ACCEPTING TO MAIL TO MY po box ADDRESS.

I ALREADY FILED MORE THAN 50 COMPLAINTS ABOUT THIS SAME ISSUE, WELLS FARGO IS STILL DENYING ME MY PRIVACY RIGHTS TO HAVE WELLS FARGO MAIL DIRECTED TO MY po box ADDRESS AS INDICATED ON MY ACCOUNT INSTEAD OF MY STREET RESIDENT ADDRESS. 
As I promised, I will file a new complaint every where at every time I receive a letter from Wells Fargo to my resident address, And now I will file a new complaint at the CUSTOMER FINANCIL PROTECTION XXXX AND THE OFFICE OF THE COMPTROLLER OF CURRENCY AND THE XXXX XXXX XXXX AND MANY MORE SITES UNTILL WELLS FARGO STOP THIS ELLIGAL PERFORMANCE AND RESPECT MY PRIVACY RIGHTS AND AN INVESTIGATION IS CONDUCTED IN THIS ISSUE THAT HAS BEEN GOING ON FOR MORE THAN 2 YEARS NOW. the wells fargo management does not exist and the employees are not working just setting home and only collecting the checks and using copy and paste standard answer to all complaint. 
NO PHONE CALLS ARE ACCEPTED BECAUSE I BELIEVE FROM MY EXPERIENCE THAT WELLS FARGO EMPLOYEES ARE LIARS
Product: Credit card or prepaid card

I had purchased 2 tickets to a music festival called XXXX on XX/XX/XXXX for a total of {$720.00}. The festival was cancelled as of XX/XX/XXXX and was told to reach out to the point of purchase for a refund. I contacted the ticketing agency, XXXX, who stated that I would need to reach out to the merchant themselves, XXXX XXXX, XXXX. I attempted to email them and contact them by phone number that was provided but have received no response. I reached out to Capital One who stated that because it was past the 60 days, they were unable to move forward with the process. At this point, there have been multiple news articles related to the fraudulent festival and others that have worked with their credit card companies to have funds returned to them.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I contacted Experian, XXXX and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud. I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XX/XX/XXXX I received updates from Experian in regards to the account XXXX  XXXX XXXX XXXX Account # XXXX showing that it was REMOVED from my file. I also received letters from the other two XXXX XXXX and XXXX along with a letter from the XXXX XXXX XXXX XXXXXXXX stating that the Fraudulent Accounts was REMOVED. Moving forward on XX/XX/XXXX while updating my information while receiving resources from the Human Trafficking Division in my state upon pulling my updated credit report I received from Experian we notice the account was added back to my file. Along with several other accounts that were previously REMOVED from my file. I have the PROOF that these accounts were REMOVED because I have the evidence of my results from Experian. Experian did not notify me that these accounts were reinserted back on my file nor did they send me a updated credit report. Upon seeing the information I immediately contacted Experian in which they started a new dispute. Now they are stating that the accounts would not be removed because the Creditors verified the information as Accurate. How were they able to verify the account when Experian REMOVED the account at the Creditors Request as Fraud. I have since tried to contact Experian back in regards to the issues I'm having, but I have not been successful at a fair resolution. Experian is neglecting to remove these accounts from my Credit File even after receiving the proper proof that the account was Fraudulently opened. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 1 kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting

Factor Trust request a hard inquiry from XXXX without my permission then proceed to add negative and fraudulent information on XXXX XXXX, XXXX other credit eports.
Product: Credit card or prepaid card

Apparently this credit card company places a hold on the account for month. So after making a payment they place a hold on my card until the next billing cycle. Which makes me not be able to use said card. How is this even legal? Its like Im getting punished for making a payment to my account. But if I cancel it hits my credit score major.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act this Creditor : Wells Fargo has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it aslo states a consumer reporting agency can NOT furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not a payment on a credit car/loan account under an open end consumer credit plan as late for any purpose. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bal. {$0.00} XXXX XXXX  XXXX {$0.00} XXXX5 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Debt collection

Ive contacted equifax about two large collections on my account since they've been on there. 

I did the foot work since equifax would not probably dispute it. I asked for validation of these debts from XXXX XXXX XXXX ( originally from XXXX XXXX XXXX ). They sent a lease back with SOMEONE ELSES NAME ON IT. 

My name is no where on it and they insist it's mine and ITS NOT. Clearly I'm a victim of identity theft and ive pleaded with this company to delete these has they have Hendered me in so many ways. 

As a victim of identity theft XXXX fee hopeless and equifax has made me feel like my credit is nothing by not acting in the proper way. 

I'm attaching a copy of the lease to prove it's not my debt.