23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have a Wells Fargo PMA account. The terms of the account provide a service charge waiver under certain conditions. One of the conditional service charge waivers includes maintaining liquid assets, which include Wells Fargo Brokerage accounts in the amount of {$50000.00} or more. I have been maintaining this level for well over a year. Each month I receive my statement and have see a service charge. Upon calling customer service or going into a branch they are able to refund the service charge and keep telling me that my Wells Fargo Brokerage account is de-linking and that 's why I am receiving the service charge. I called and made a specific complaint about this. The representative, rather than fixing the issue, told me I needed to call-in to customer service and tell them that the company ID indicated on my account was wrong and that 's why my brokerage account keeps delinking every month. This is causing me harm, frustration, and is an unfair and deceptive practice. Wells Fargo representatives, no matter what department they are in, should be able to fix the company code so that this delinking stops happening on my account. I have spent hours and hours trying to get this resolved. I would like CFPB 's examiner in charge to perform system assisted testing to see how many customers thjis is impacting because if it 's happening to me, it 's very likely happening to other customers as well. Wells Fargo should be ashamed that they are harming their customers in this man ner.
Product: Debt collection

I received out of the blue a letter from a collection agency indicating that I owed {$380.00} for a traffic violation incurred at an unspecified date and location ( somewhere in XXXX ), with an unspecified car from an unspecified car rental company. Supposedly I would have received numerous letters from an unspecified Italian municipality which I would have ignored. This is an attempt to extort money unjustifiably. No evidence was provided.
Product: Credit reporting or other personal consumer reports

In light of the newly acquired information, it is imperative that American Express establish the veracity of the initial decision to block these items, in accordance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I have the right to request evidence and documentation supporting the reasons behind the blockage, specifically in the following contexts :
Product: Mortgage

I am being significantly impacted on my credit history for an error made by my mortgage company. I have been attempting to figure out exactly how they can claim there is a late payment on this account, when we have records indicating that payments were drafted every month since the inception of the account. 
Based on my extensive research and audit of the payments posted on this account, I can spot a potential egregious error on behalf of the mortgage bank that is showing a possible clerical/typo error when posting my payment. The payments monthly are {$1700.00} a month, but it seems for the month of XXXX they posted as {$1100.00}. I understand that mistake happen, but they are fully aware of this and refuse to adjust it on my credit report. This was their mistake and all I want is for them to rectify it. Furthermore, a payment was promptly made right after to ensure there was not a 30 day lapse in between payments, therefore this 30 day late is completely false, damaging, illegal, and I Demand it gets removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have spoken to XXXX numerous times about accounts showing on my report that do not belong to me. Spoke to a rep XX/XX/XXXX regarding the inaccurate info and referred to call the bank that holds the account directly. I have called JPCMB ( Chase Bank ) and they do not show any individual accounts with my social security number and are unable to assist me. I then spoke to a rep again XX/XX/XXXX and accounts were being investigated and still remain on my credit report. Today XX/XX/XXXX the accounts are still showing on my credit report and are not linked to my social security number as previously stated and spoke to rep XXXX and he said it is under investigation again to wait 30 days. Again no resolve.
Product: Credit reporting or other personal consumer reports

Experian has furnished information continuously knowing that the information is in fact inaccurate and false and misleading. I have never gave consent nor permissible purpose for experian to furnish information onto my consumer report and especially didnt give them consent to share my personal financial information they have violated many consumer protection laws. I am seeking legal remedies and compensation for damages and actual damages.
Product: Credit card or prepaid card

I asked a customer rep look into forgiving a late fee after paying off balance. After back and forth customer rep closed account without consent. I wrote a letter to Synchrony bank. They responded by forgiving the fee. The account is closed and the bank headquarters sent me a letter stating that the {$15.00} late fee is forgiven yet I am still being billed on the fee. I have put in a dispute with XXXX. This has not resolved the issue. This is affecting my credit.
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 EXPERIAN credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXL # XXXX, XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

A fraudulent checks were posted to my wells fargo Bank account # XXXX and were paid without proper verifications. Signature were not mine, check sequence were not mine. I have never written any checks from this account to anyone and I hardly use this accounts for any transactions except to receive direct deposit. The first check of {$1900.00} dated XX/XX/year> was paid. the second check of {$2300.00} dated XX/XX/year> was equally paid. I brought both to the attention of the bank on XX/XX/XXXX and they reverted the recent amount of {$2300.00}, close the account but refused to revert the {$1900.00} stating that it was more than XXXX days before I reported the fraud. 
My concern : This fraud was done by Well fargo employees because, no one knows this account # as I have never written a check to anyone from this account. I barely operates this account and I do not get monthly bank statements from this account either. The checks presented were not my checks and have no resemblance to wells fargo checks that was issued to me. The signature does not looks like my signature in any shape and form. it was the responsibility of wells fargo bank to verify my signature before paying any money out. I was told that the checks were deposited over the phone. Regardless, Wells fargo is responsible for verify signature before paying money out. I want my money reverted back to my account. I gave wells fargo my money to keep, now they are blaming me for lososing my money and refusing to own up to their mistake. I have another account with Wells fargo and they call me each time I write a check into my checking account because I do not use the account frequently. But because this was an insider job, they never called me for this account.
Product: Credit reporting or other personal consumer reports

I sent previous letters to the collection company asking to send me my original contract and validation of the debt, i sent a letter in XXXX and also XXXX. Jefferson Capital system has no right to report this account and inaccurate information. I demanded for this to removed from my credit report due to the FCRA consumer laws. This company agreed and failed to do so. I do not have a contract with JEFFERSON CAPITAL SYSTEMS!
Product: Mortgage

In XX/XX/XXXX I bought a unit condo throw a mortgage loan. Blueprint report that the property was constructed in XXXX. In XXXX I had a loan modification. On XX/XX/XXXX, there was a water flood event from a pipe located on the sixth floor that exploded affecting several units including mine. Because of the water flood mitigation process, on XX/XX/XXXX, a notice letter was posted on each entrance door and in each unit door. This letter was on behalf of the Condominium Board of Directors. In this notice, residents were informed that the building materials tested revealed the presence of a hazardous level of asbestos. As a result, immediate mitigation and abatement services needed to be commenced at the building. To preserve the health and safety of all the residents of the building were asked to vacate all units as expeditiously as possible and temporarily reside elsewhere. It was required to vacate all units no later than XXXX XXXX on Monday, XX/XX/XXXX. And this process to abate the hazard supposedly takes up to ( 60 ) days. On Monday, XX/XX/XXXX, during a units owner XXXX meeting, it exposed controversial information about the real age of the condominium. Evidence from County public records reveals and confirmed the existence of the property in the XXXX decade. Therefore, it is false that the condominium was constructed in XXXX. Even though the discrepancy between the property and a mortgage of a property does not exist, this account is in good standing. I was never told or agreed to buy such an old property that requires special maintenance. Also, I am still uncertain about other hazardous elements that might be present on this property as well as the uncertainty of the risk of being exposed to asbestos in future years.
Product: Credit reporting or other personal consumer reports

This account ( NATIONAL CREDIT SYSTEMS ) has exceeded the statute of limitations and needs to be removed from my consumer report. This item was entered to my consumer report on XX/XX/XXXX therefore it should have been removed on XX/XX/XXXX considering the fact XXXX law says oral contracts have a 4 year statute of limitations. I never had a written or oral agreement with National Credit Systems. If this account is not removed immediately I will sue XXXX and National credit systems for violations of the FCRA by not removing this item from my consumer report within the XXXX  Statute of Limitations.
Product: Credit reporting or other personal consumer reports

I printed out my statement from XXXX stating my accts are paid in full. XXXX accts pain in full. Both accts being denied updates. Their failure to repair my report is causing financial harm.
Product: Checking or savings account

On XXXX XXXX I deposited a check on my business account from XXXX XXXX  XXXX XXXX of my clients XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX for the amount of {$4600.00}. 

At that moment Citi Bank decided to freeze my account stating they needed to verify the legitimacy of the check. They first requested 24-48 Hours. after this time frame when I went to the bank on XXXX they closed my account and stated I needed to wait from 30 to 60 days to return my money.

Citi Bank has already confirm this check via Phone and funds have been taken from my clients account. 

XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX The owner of the account went to Citi bank XXXX XXXX ) and they stated that since he did not had an account they could not help him. In the mean time Citi bank is holding money that does not belong to them with no other excuse but to state that they needed verification. I have provided all information and can not wait 30 to 60 days for this bank to return my money. They are playing with clients money and placing employees and companies at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report I obtained from Transunion through XXXX indicates a low credit score because, among other cryptic explanations, XXXX reports a delinquent account. This is not true. XXXX sold the debt to another company. The information is incorrect and must be reported paid as agree. I was never late to XXXX ( acct XXXX ) and it was never part of any Wage Earner Plan. Moreover, this automobile loan was never part of a Chapter XXXX. I have requested the report from the court of jurisdiction as evidence. All 72 payments were made on time and were not part of a Chapter XXXX. The Transunion account still shows the following incorrect information : Alert Type : Delinquent Account.

Processed Date : XX/XX/2018. 
Account number : XXXX. 
Creditor 's Name : XXXX. 
Type of Industry : Miscellaneous Finance Companies. 
Address : XXXX XXXX XXXX, XXXXT XXXX, MO XXXX. 
Payment Status : Wage Earner Plan.

Creditor 's Preferred Contact Method : Other.

Consumer Statement : Dispute resolved ; customer disagrees.
Product: Debt collection

After contacting Citibank, when XXXX XXXX XXXX would n't allow me to make payment arrangements, they contacted me and told me to contact them. Citibank gave me XXXX wrong contact number. Citibank gave me the following number XXXX, which is the XXXX XXXX service desk. I XXXX number XXXX, called them XXXX, and was forwarded to a machine to leave my name and contact number. I did that, the first contact was XX/XX/2015, the last contact being XX/XX/2015, and no one has returned both calls.
Product: Credit card or prepaid card

Back in XXXX of 2022, I joined the XXXX in when I did I closed all my credit cards when I closed my capital one card they told me that I would not have to pay off a balance so I was good but when I was done with all my training I came home to a XXXX XXXX dollar payment I have called them but they just keep telling me they are sorry one of their workers told me that but I still have to make the payment I have been paying it but think it is unfair that I have to pay it when one of the workers gave me the wrong information.
Product: Credit reporting or other personal consumer reports

I asked equifax to delete a collection that was inaccurate, XXXX and XXXX  already have deleted because the collection was inaccurate. Equifax still saying is accurate, please delete. 

attached is a copy of my credit report so you can see that what im saying is true, i also attached equifax response.
Product: Credit card

I attempted to make a purchase on XXXX website. It was advertised specifically, " Klarna : split your purchase into XXXX interest free payments. '' I did this and upon checkout was not given this option but other longer options with interest. So an account was created for me with Klarna. This seems to be a bait and switch scam. I have been injured by this as my credit score dropped as a direct result from opening this account. I realize that can happen when opening a new line of credit but I was tricked into opening an account that I was not allowed to use as advertised. I have contacted both XXXX and Klarna about this issue multiple times about this issue and they each keep referring me to the other.
Product: Money transfer, virtual currency, or money service

I sent money to the wrong person unable to get it back
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX XXXX thats reporting on my credit report should have been deleted/removed off my my credit report since last year XXXX. its been on my report for 8 years and still reporting.Under the Fair Credit Reporting Act, debts can only appear on your credit report for 7 years. After that period is up, the debt can no longer be reported.
Product: Credit reporting or other personal consumer reports

Using my information and sharing it without my consent. Having my scores dropped when checking them.
Product: Credit reporting or other personal consumer reports

I am not liable for these debts. In accordance with the FCRA, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality un 15 USC 1681. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -TN XXXX XXXX XXXX XXXX -TN XXXX XXXX XXXX XXXX, has violate my rights. 

*15 USC 1681 section 602 A. States I have the right to privacy.

*15 USC 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without any written instructions.

*15 USC 1681c. ( a ) ( 5 ). States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

*15 USC 1681s-2 ( 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.

Please remove these adversely accounts which is injurious to my credit rating. I can't obtain credit and it's costing me thousands of dollars.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Debt Collection under 15 USC 1692 ( c ) Dear Sir/Madam, I am writing to formally dispute information contained in my credit report as provided by your bureau. This letter is a notice of dispute under 15 USC 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ).

I have noticed that my credit report contains inaccurate information regarding a debt from XXXX, account number XXXX. According to 15 USC 1692 ( c ), I have the right to request validation of this debt, and I believe the reported information is inaccurate for the following reasons : 1. Nature of the Debt : Debt not owed.

2. Statute of Limitations : Debt is beyond the statute of limitations.

To resolve this matter, I am requesting that you : 1. Investigate and Verify : Conduct a thorough investigation of this disputed account.

2. Remove or Correct : If the information is found to be inaccurate or unverifiable, please remove or correct the information on my credit report.

3. Confirm in Writing : Provide me with written confirmation of the actions taken regarding this dispute.

I expect this dispute to be investigated under the guidelines provided by the Fair Credit Reporting Act ( FCRA ) and FDCPA, and to be resolved promptly within the 30-day time frame required by law. Failure to comply may result in further action.

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute letter and keep me informed of the status of your investigation. 

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

There are incorrect Late Payments on my Credit Report. 

XXXX XXXX XXXX Account # XXXX Late Payment : XX/XX/2XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have received XXXX phone calls in the last week from Prosper. All of my payments are up to date, and when I returned the phone call today to ask why I was receiving these calls there was no documented reason. The person I spoke with, XXXX, informed me that they would make a note of a cease and desist regarding phone calls to my personal cell phone number. 

The calls I received occurred on the following dates : XXXX XXXX XXXX four calls XXXX XXXX four calls XXXX XXXX three calls XXXX XXXX four calls XXXX XXXX XXXX three calls
Product: Vehicle loan or lease

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on CAP ONE AUTO. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Payday loan, title loan, or personal loan

the breach comes from experian credit union and other thirdparties and there lenders started sending me bills after the breach of XXXX and other lenders as XXXX XXXX XXXX INQUIRY THAT HAVE ENTER MY CREDIT REPORT AFTER THE BREACH OF MY INFORMATIONS REPORT REMAINS UNTIL XX/XX/XXXX I NEVER HAD A CREDIT WITH XXXX XXXX XXXX  EXPERIAN CREDIT INQUIRY AFTER INQUIRY XXXX XXXX XXXX XXXX CA, XXXX XXXX PHONE BANK INQUIRYS XX/XX/XXXX XXXX XXXXXXXX XXXX  INQUIRY XXXX XXXX XXXX XXXX INQUIRYS FINANCES XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  INQUIRY XX/XX/XXXX XXXX XXXX XXXX INQUIRY XX/XX/XXXX THERE 2 INQUIRYS XXXX XXXX INQUIRY RESON UNSPECIFIED RECORD INQUIRYS UNTIL XX/XX/XXXXXXXX XXXX XXXX INQUIRY XX/XX/XXXXXXXX XXXX INQUIRYS XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  INQUIRYS XX/XX/XXXX
Product: Vehicle loan or lease

They opened a vehicle account without my authorization and it is the product of identity theft Santander consumer usa XX/XX/2024 Ac XXXX