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

XXXX XXXX XXXX is reporting to all 3 credit bureaus that I had a late payment inXX/XX/XXXX. They are reporting this late payment on the 3 credit bureaus that I was 90 days late in XX/XX/XXXX. This inaccurate reporting is destroying my credit. I have called XXXX XXXX XXXX multiple times and have mailed 2 certified letters ( which they signed for ) asking that they provide me with the proof that this information being reported is accurate. I have asked repeatedly for canceled checks or any documents that show I paid these loans 90 days late. There has been numerous times when XXXX XXXX XXXX sold or transferred my student loans to various lenders which in turn would show my payments as late. The fact that XXXX XXXX XXXX sold or transferred my loans to different lenders without my consent, ultimately showing my payments as late was not my choice. I am in the process of trying to purchase a home and the fact that XXXX XXXX XXXX is showing these loans as 90 days late inXX/XX/XXXX is inaccurate and is ultimately affecting me in a negative manner. I 'm asking that XXXX XXXX XXXX provide me with a copy of the canceled checks as proof that these payments were paid late, or to remove the negative items that they are falsely reporting on my credit.
Product: Credit card or prepaid card

This dispute is for an overcharge by XXXX. 

I bought a Green House for {$320.00}. I had {$230.00} in rewards points/credits on my Wayfair account from my XXXX credit card XXXX So during check out, I applied the {$230.00} points to the {$320.00} item which would be {$97.00} total plus tax ( 8 % is {$7.00} ) on the {$97.00} = {$100.00}. This is what I authorized to be charged on my card XXXX XXXX credit card during check out which is what i used to pay the difference. 

However, I find today that Wayfair charged {$350.00} ( {$320.00} plus tax ) to my XXXX XXXX card and did not apply the {$230.00} in rewards/credit as it was when I checked out during the purchase. I have been over charged {$250.00} because they refuse to apply my Wayfair points. 

I have also advised XXXX that I am unable to use any points during check out and there is something wrong with my account. My pleas to resolve this go unanswered. 

I called Wayfair customer service line at XXXX who told me that they could not help me and that my account would be handled by the " XXXX XXXX XXXX ''. I asked that the XXXX XXXX XXXX call me due to my XXXX in accordance with the Americans with XXXX XXXX. Instead someone by the name of XXXX XXXX from Wayfair started to email me and refused to apply the Wayfair points/credits in my account giving no reason why. They asked for documents showing the points and I gave them the same as I am giving you here. XXXX XXXX just closed the case and did nothing to fix the overcharge or apply the Wayfair points. I spent four hours on the phone and in emails with Wayfair and they refused to correct the overcharge. 

I did NOT agree to the {$350.00} charge on my XXXX XXXX credit card, it just showed up on my XXXX account today. The correct amount I was to be charged for this item was {$100.00} NOT {$350.00}. 

Not being able to use my Wayfair credit card rewards is a violation of the terms and agreement of the Wayfair credit card issued by Citibank N.A.
Product: Debt collection

Debt collection company did not notify me in any written or verbally or electronically manner of a debt. They just reported to credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I assumed a mortgage from a family member, and now the loan is reporting with the old payment history that I have nothing to do with. I assumed this loan in XX/XX/XXXX and I am only responsible for the payments from XX/XX/XXXX. My credit score has dropped drastically.Wells Fargo should not have reported the negative information of the loan to my credit report. Please help me resolve this matter ( ASAP ). Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a significantly lowered credit score due to an inaccurate and completely false collection claim by XXXX XXXX XXXX. The case was closed as a false misrepresentation to an otherwise PERFECT score in 2014 and yet the derogatory information remains on my credit report falsely and erroneously diminishing my credit status for the past 5 years. XXXX XXXX XXXX needs to take action to REMOVE this damaging false and slanderous information from my report immediately!!! 
Please hold XXXX XXXX XXXX accountable for falsely damaging the credit of good standing citizens!! 

Thank you!
Product: Credit reporting or other personal consumer reports

Hello, I also tried to correspond with them and call them. They dont, they dont want to remove false information that is incorrect, although by law they must remove it, but they dont do it. That's why I complain about them. Please help me thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my phone was stolen from me from a restaurant in Washington DC. The thief gained access into my phone and tried to access multiple accounts and apps of mine. He used XXXX and sent himself {$500.00} along with a bunch of smaller amounts but those were blocked. He also used XXXX XXXX and sent himself a total of {$5000.00}. He then used my XXXX  account to take him to his address which I gave to the police. The next day when I looked at my email and saw all these emails of different accounts being used and some of accounts locked ( XXXX XXXX XXXXXXXX Account, Chase Account, XXXX ) due to multiple tries of getting in, I went to the police station and filed a report. I gave the police all the information I could get on the guy using his name from XXXX and searching the internet. I then went to Chase bank and filed claims for all the charges, because that was the account connected to XXXX XXXX and the bank that I had all my cards with and were in my phones wallet, and these were the ones committed on my account. After filing the claims, I was told I have 0 % liability for any fraudulent activity that was committed. I thought the issue was over but than a month and a half later on XX/XX/XXXX, I opened my chase account and saw the transactions were reversed and {$2000.00} was taken out of my account. I called Chase to ask why this occurred and was worried about the other {$3000.00} in relation since they were all the same type of transaction. I was told several times that they reversed it because XXXX deemed this transaction valid because my phone number and name matched and that there were no failed attempts when typing in the passcode or face ID. I told them that of course the name and phone number match because it was done on my phone which was stolen and obviously if he gained access to my phone which meant he knew the passcode which is probably why there were no failed attempts. They said I need to submit all the evidence I had and they will see if it is enough to reopen the case. That is unacceptable because everything I have shows this is fraud so I submitted everything I have to them all the emails and screenshots and am waiting while they investigate more while I am negative in my account and have no money.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction regarding the handling of fraudulent items on my account with Credit Bureaus. Despite reporting these unauthorized transactions promptly, I am dismayed by the prolonged delay in their removal, causing undue stress and inconvenience. 

I discovered fraudulent transactions on my account statement, which were not authorized by me. Immediately upon discovery, I notified your company 's customer service department and filed a report detailing these fraudulent activities. However, I am disappointed by the lack of urgency and efficiency in resolving this matter. 

As a loyal customer, I expect timely action to rectify such issues and protect my financial interests. The continued presence of these fraudulent items not only undermines my trust in your company but also poses a significant risk to my financial security. 

I urge you to prioritize the immediate removal of these fraudulent transactions from my account and take proactive measures to prevent similar occurrences in the future. Additionally, I request transparent communication throughout the resolution process to ensure clarity and accountability. 

Failure to address this matter promptly will compel me to explore alternative avenues to protect my rights as a consumer, including but not limited to seeking assistance from regulatory authorities and legal counsel. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$310.00} XXXX  XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX I made a payment of XXXX to an incorrect vendor. ( XXXX credit card services ) the XXXX card was actually " closed ''. However, The money was debited from my account on XXXX. After filing notarized documents, XXXX plus phone calls, being told that my claim is now being handled by a 3rd party ( XXXX  ) I still have not be returned the funds. I made the initial mistake... I can't imagine I am the first person to ever do this. I would appreciate the funds be returned. I would be glad to provide any other needed information.
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 XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2018 I had the following PayPal debit from my XXXX XXXX XXXX account : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX debit from checking account : XXXX PAYPAL DES : TRANSFER ID:XXXX INDN : XXXX XXXX CO ID : XXXX WEB XXXX PAYPAL DES : TRANSFER XXXX INDN : XXXX XXXX CO ID XXXX XXXX WEB as Reconciled XXXX PAYPAL DES : TRANSFER ID:XXXX INDN : XXXX XXXX CO ID : XXXX WEB Merchant name : PAYPAL -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I called XXXX XXXX XXXX and they will be following up on this. But XXXX at XXXX XXXX XXXX Billing Disputes : XXXX-XXXX-XXXX told me that anyone with a PayPal account can take money out of your bank account without your authorization knowing only your checking account routing number and account number. Since this is on every check I write, it means that anyone I send a check to can get a PayPal account and start draining my checking account without my knowledge! I find that hard to believe, but XXXX insisted it was true. 

Can you confirm that this is true? If so, how can we stop this, I do not have, nor do I want a PayPal account. But I sure do not think PayPal should be able to take money from my account without my authorization whether or not they have my routing number. 

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

Lexis Nexis is reporting an unsafe driving violation when I did not even have a license. My insurance premium is now double because of this.
Product: Vehicle loan or lease

Nissan Motor Finance continues to report " late '' payments and a balance after the debt was discharged through my husband 's bankruptcy which was discharged XX/XX/18. XXXX. 

This information has been repeatedly disputed via the credit reporting agencies to no avail. 

This reporting is illegal.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Also Known As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Employers : XXXXXXXX XXXX XXXX XXXX Employers : XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I couldnt believe my eyes this afternoon when I discovered inaccurate accounts on my credit report, and I have no clue why this is happening. Im diligent about checking my credit report, but today I found discrepancies that completely caught me off guard. I even tried refreshing my browser to see if it was just a technical glitch, but the errors were still there. The fact that the inaccurate accounts didnt disappear after refreshing is deeply concerning. Because of this, Im requesting a thorough review of the documents Ive sent so that I can have peace of mind and never have to worry about this again.
Product: Credit reporting or other personal consumer reports

On my transunion credit report these unauthorized hard credit hit on my report. 

XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX ( Financial ) XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX miscellaneous ) XX/XX/XXXX, XXXX XXXX ( Bank )
Product: Money transfer, virtual currency, or money service

I had funds in my Venmo account, and someone ( no clue who ) was trying to take funds from my account. I kept getting calls from Venmo asking if I authorized the charge I said no each time. Then someone added their own account and transferred all my money to their account. I have no idea who the person is. It is clear it is not me and he set up his account the same day. I called Venmo when I received notification the transfer went thru. I have called them several times and they keep telling me 7 to 10 business days. I filed the dispute on XXXX today is XXXX. I have sent several emails with no response. I chatted with a representative on the app and they wouldn't and help said I had to wait. And today I called and they said they didn't see a dispute filed and the process needed to start over. I asked for a supervisor and he was not helpful. I asked for his supervisor and he said there was no one higher up he can give me. He can only send an e-mail. This to me is so wrong, its like a bright light that fraud happened on my account. I have a late payment on one of my loans because I was expecting those funds. I want a full refund and any late charges I have incurred.
Product: Money transfer, virtual currency, or money service

Since XX/XX/year> last year, I sought assistance from XXXX via telephone for what apparently was a bigger problem with identity theft/global hackers & viruses affecting my PC login to my XXXX XXXX. Technician ( XXXX XXXXXXXX XXXX XXXX XXXX ), confirmed the problem and suggested checking all my financial accounts in all my banks for tampering. I found none at that time. Technican, then stated there was much network work to be done and recomended I work with my bank ( Wells Fargo ) to further check for illegal transactions. Further to explain to banker ( XXXX XXXX ) my XXXX XXXX problem and request their assistance in securing all my assets to a safe location. Banker actually found a couple financial tillegal transactions and initiated a stop to them. While technician began work on my network Banker began assisting me moving all my assets to a " secure wallet '' she created for this purpose. This action appeared odd as this work- she directed me to withdrawing ALL asset to cash! then relocate via courier to undisclosed location? Not know how this is done I continued to work with this banker, who I trusted an hope she was doing this all legally and correct. ( Being she's an employee of Wells Fargo Fraud Unit ) Moving enormous amount ot cash was overwhelming and tedious! She had insisted we had to also me several large withdrawal from my XXXX XXXX account inorder to test the network! ) very odd! The network job took several weeks & months to complete as the technician had many problems installing the fixes and configurations ( this seemed odd to me! ), then he had problems configuring the firewall too, many weeks and months to complete this too, again! To shorten this long story, now with the network finally clear, and the " secure wallet '' in place with my assets contents : {$820000.00}! I was told by XXXX XXXX the banker ) that in order for them to grant me access to my secure wallet now, we will neet to withdraw {$170000.00}?? in order to comply with the " clearance '' number of cash the wallet was configured with? I found this to be overly preposterous! and refused to continue playing their game. XXXX is now flat-out refusing her assisting me to attain access to my funds in the secure wallet!! This better sounds like like a scam! All from a Wells Fargo Fraud Unit employee!!?? Please help me with this apparent fraud and possible scam. All I ever intended was assistance with my Identity theft problem and to safeguard my assets from a compromised XXXX network. For all I know this banker may be associated with this possibly fraud XXXX XXXX that worked on the network. Please help resolve this set of inconsistancies. Let me know if I can provide any further information. 
XXXX XXXX XXXX ( XXXX ) XXXX.
Product: Debt collection

I have been asking for a proper debt validation from this company for the past several months. They keep threating me with legal action and I sent them a debt validation letter and cease and desist letter mailed out on XX/XX/2024 and was receieved XXXX XXXX XXXX XXXX XXXX XXXX I have received a few calls from them once on XX/XX/2024 and again on XXXX XXXX have picture proof of these calls and a screenshot from XXXX stating that these were their numbers. XXXX and XXXX. They responded back through mail for the debt validation but only sent me a statement from an account not the orginal card holder agreement. They have also been changing the amount each month on my credit report by a dollar to stay active on my credit report. They will decrease it and then increase it every month.
Product: Debt collection

Subject : Dispute of Collection Account Reporting- Reference to Fair Debt Practices Act ( FDCPA ), Title 15, Section 1692 et seq. 

Dear : Eastern Account Systems IN I am writing the reporting of a collection account on my credit report, as furnished by your agency. I believe that the reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), Specifically under title 15, Section 1692 et. seq., of the U.S. Code, which governs the practice of third- party debt collectors.

Upon reviewing my credit report obtained from your agency, it indicates the presence of a collection account with following details : { Eastern Account Systems IN, and the amount owed. } In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that an original contract exists from the original creditor with a wet Signature from me, and a pictured ID in color creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. ( THE ORIGINAL PURCHASE AGREEMENT ) 4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.Please be aware that I expect a timely response in 30 days, as mandated by FDCPA. Failure to comply with this request may result in the initiation of legal action to protect my rights under the law. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors- see second page I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit card

I have a credit card with discover card which was expired on XX/XX/. This card was on my XXXX account ( this was the only recurring charge on my credit card ). After the expiration of the card I decided to not use my discover credit card again and I did not pay attention to the statements of the credit card but unfortunately XXXX did charge my card long after my card was expired. Now the problems are having a late payment on my credit history which I never had and also lowering my sister 's credit score who is about to apply for a house loan, because she was an authorized user on that card, there is also another problem which is the amount that I was charged and and the late fees I was charged which I think it's not fair. Thanks!