23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When checking my credit report with Experian they have name 's that I have never used or gone by a last name I have never used or gone by an old cell phone number that hasn't been activated in over XXXX years they have duplicate addresses and incorrect address I tried to change it and it will not allow me too
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw that the accounts I have been disputing are still appearing on my report even if I already said that it's not mine and I already filed an FTC report for it. This is violating my rights and I wanted these Items removed from my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account approximately XX/XX/XXXX with XXXX XXXX for a XXXX credit card. After having a plethora of difficulty making my monthly payments on line, absolutely no success with customer service and being charged a fee to make payments over the telephone, I closed the account. I was double billed for the {$100.00} annual fee and was still unable to get any assistance from customer service. My wife filed Chapter XXXX Bankruptcy on XX/XX/XXXX which included the XXXX XXXX XXXX card due to her being a co-signer on the card. On XX/XX/XXXX XXXX XXXX sold the account to XXXX XXXX, XXXX and I received a letter from XXXX XXXX XXXX on XX/XX/XXXX. After explaining to XXXX XXXX XXXX the XXXX XXXX XXXX card was included on my wife 's Chapter XXXX, I have not heard from them again, but XXXX Funding is being reported as a derogatory mark on my XXXX, XXXX and XXXX credit report. After repeatedly calling XXXX XXXX for over 4 to 5 months, I finally spoke with a supervisor, and she stated she would correct the error, to no avail. Nothing has been done from XXXX XXXX and when I call them, I am either placed on hold or disconnected.
Product: Checking or savings account

I closed my bank account and they said they would send the remaining {$400.00} that was in my account as a check but its been over 2 months and i still havent received it.
Product: Checking or savings account

On XX/XX/2022 I received a check for a job that I was supposed to start. The check was supposed to be used for materials I needed to start my XXXX XXXX from home. XXXX XXXX and associate with XXXX XXXX sent me a check for XXXX and instructed me to deposit it. I waited for the check to not be on pending status, he then instructed me that I was to buy gift card and send him pictures of the cards so he can send them to his distributors to but my computer and home office supplies. The next day on XXXX XXXX he told me that it wasnt enough money for everything so he sent me another check in the amount of XXXX. I deposited the check and waited for the check to get out of pending status and did as I was instructed and purchased more gift cards. I sent him pictures of the cards I had bought and he said he would send them in for my materials. On XXXX XXXX he then told me again that it still wasnt enough money so he sent me a check for XXXX and instructed me to deposit it again which I did. I was waiting for the third check to get out of pending status when the first check was charged back. I called the bank and told them what was happening. They informed me that they suspect that it was fraud and put a freeze on my account. That also informed me that it was a scam and the other two checks would be charged back as well. I informed XXXX XXXX about what happened. He told me it was just a miscommunication from banks and told me the issue would be resolved but it hasnt. My account will be overdrawn by XXXX once all the checks get charged back. All the funds I had in my bank for bills are now going to checks that are bad.
Product: Debt collection

I was in a car accident XXXX XXXX, XXXX and I went to physical therapy due to an injury from the accident. The physical therapy put me into collections a total of 3 times from XXXX, XXXX. 
The accounts are as follows : XXXX/ Progressive Management : XXXX XXXX, XXXX -XXXX/ Progressive Management XXXX XXXX XXXX, XXXX -TransUnion/ XXXX : XXXX XXXX XXXX XXXX I made phone calls to the physical therapy department I went to and they had stated that it was all paid off through insurance and I did not owe anything. I had told them I was still in collections with them and I asked them to remove all XXXX of the open collections accounts a few times since I did not owe any money with them and they have yet to do so. I also have called and spoke with the collections agency and they stated that it is up to the physical therapy to remove all XXXX of my accounts from collections. I am stuck in an infinite loop where collections keeps sending me to the physical therapist and the therapist keeps saying things have been paid through insurance and i need to take it up with the collection agency. The physical therapist says there is nothing more they can do for me regarding the collection agency file ( s ). 


The XXXX collection agencies are : Progressive Management XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian credit bureau Illegally reporting my payment history According to 15 US code 1666B a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Late payment for, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX Need to be reversed as paid as agreed for my XXXX account XXXX This has been disputed several times
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states the consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX
Product: Payday loan, title loan, or personal loan

Respected sir or madam, my name is XXXX XXXX, living in XXXX XXXX XXXX  XXXX XXXX wa XXXX, we installed a air condition from XXXX XXXX  {$11000.00} and they are the one who help to get financed from service financial, they told us when we get paper work we have to pay {$11000.00} in 2 years with no interest, we sign document online the XXXX told us we don't have to pay interest in 2 years after the remaining balance left you start charging interest we agree, there are XXXX of documents we sign it, once I start payment everything was fine but when I realized they charge me 18 percent, I was surprised, I already pay more lot of money, i told them i am ready to pay off balance they increased with 18 percent interest which i refused to pay them, i call them i told them please reduced interest which they don't agree, its a hard time for me after covid please help me,
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This accounts is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

CAPITAL ONE XXXX Balance {$0.00} ; CAPITAL ONE XXXX Balance {$0.00} ;
Product: Student loan

I have worked in a XXXX since XXXX and was a victim of the XXXX XXXX  XXXX in XXXX and my payments that I made in that year were not applied to my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$270.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX {$410.00} XXXX XXXX   XXXX {$3400.00} XXXX XXXX   XXXX {$2400.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX {$8000.00} XXXX   XXXX {$17000.00} XXXXL XXXX {$1300.00} XXXX DEP XXXX XXXX {$2000.00} XXXX XXXX   XXXX {$110.00} USDOE/XXXX XXXX {$1400.00} XXXX XXXX {$93.00} XXXX XXXX   XXXX {$570.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$3500.00}
Product: Bank account or service

I am disappointed in Wells Fargo 's decision not to reimburse me for the XXXX {$5.00} service fees I was charged on XXXX XXXX, 2015. 
This entire incident occurred simply because the woman in charge of the XXXX XXXX Wells Fargo office did not tell me this was some sort of special savings account and did not tell me there was a minimum account balance. All I wanted were XXXX plain, old fashioned, savings accounts. I have closed these accounts ( XXXX and XXXX ) and transferred my direct deposit payroll to a credit union. I no longer use my Wells Fargo checking account for anything other than cashing checks that are sent to me.
Product: Debt collection

This company has a very large name 's list for collection purposes, such as Resurgent, XXXX XXXX XXXX or XXXX XXXX XXXX to attack the U.S. population. They buy debts not able to be sold by Original alleged creditor and then start the attacking tactics avoiding all kind of validation of said debt. Then they report to the credit bureaus HOPING this will make the U.S. Population to pay a debt that is illegal to collect to begin with. They also hope for the derogatory mark to stick, but it won't. I'm not the one to play with. 

XXXX try to collect these alleged debt by sending emails ( XXXX to be exact ) is the name that comes up on the emails. Then they act like they are the legitimate creditor just because they paid pennies over dollars from the alleged original creditor. Such of pile. 

This account was open as result of identity theft and they need to STOP trying to collect on it because I WILL NEVER pay them. They can take screenshot, record, do whatever the XXXX  they want and then sue me to try to make me pay. XXXX, You will never collect a dime and this is a promise I will keep. 

You can't come at me and try to make me pay a debt you bought yesterday. You need more than that. Maybe the XXXX, or XXXX  behind their keyboard will get mad enough and retaliate, XXXX. I'm counting on a reaction. I will contact every single federal and state agency and dispute this alleged debt, if this debt stays on my credit file you will have a dispute every other day on your desk from every single agency until you drop it or finally get sued by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received attached letter back from Experian Dispute results against XXXX XXXX XXXX and original debtor " Just Military Loans ''. This account was included in Ch. XXXX Bankruptcy discharged in 2017. It is the only company that will not adhere to Federal Law and remove their negative mark on my credit. They continue to list the account as " Charge Off '' which is incorrect and untrue.
Product: Checking or savings account

On Saturday, XX/XX/2018 I handed the teller a withdrawal slip, photo id and my bank card to withdraw {$5800.00} which I have more than 10 times that amount in my account. The teller that was assisting me called over a senior teller to over-ride the amount. The lead teller proceeded to inform me that she was not comfortable making this transaction and denied me my funds stating she would not be able to help me. After repeatedly asking her what was making her uncomfortable with no real reason I have come to the conclusion that my appearance did not quite match my bank account, since I am a XXXX XXXX XXXX male. I asked for a supervisor or manager unfortunately none was on the premises so she needed to call one on the telephone and explained her position. The lead teller refused to assist me with my withdrawal and suggested that I go to another branch to make this transaction preferably one that knows me.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction with the handling of multiple disputes I have submitted regarding inaccurate and negative information on my credit report. Despite my best efforts to resolve these discrepancies, including submitting numerous disputes, I have yet to see any meaningful action or resolution taken by Experian. 

The negative entries on my report are either inaccurate or outdated, and I have provided all necessary documentation to support my claims. However, despite following the proper dispute process, Experian has failed to make any updates or corrections to my credit report, and I am left with the same erroneous entries impacting my credit score. 

I would appreciate your immediate attention to this matter, and I request the following : A detailed explanation as to why my disputes have not been resolved or acted upon. 
A clear timeline for when I can expect these inaccuracies to be corrected. 
A thorough review of my credit report, with appropriate updates made to reflect the accurate information. 
I trust Experian will take the necessary steps to correct these issues promptly. Please provide me with an update as soon as possible, as this situation is causing significant harm to my financial well-being. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Product: Credit card or prepaid card

Please note : Phone calls are not permitted in this legal matter. 

On or about XX/XX/XXXX a promissory note in the form of an application was given to CFO XXXX XXXX dba BREAD FINANCIAL HOLDINGS, INC and/or affiliates. 


Upon my research and investigation I have found out that my application and/or agreement were in fact exchanged for federal reserve notes at their local Federal Reserve Bank XXXX XXXX over the counter ( as I pay fees and interest on top of what they took from my estate ) and I was not given full disclosure at the time of paperwork being signed. I am privy to this information and now that I am ; I have a right to my securities that were taken from my estate. 


On XX/XX/XXXX I XXXX, XXXX on behalf of XXXX XXXX gave first notice XXXX XXXX XXXX XXXX that I accept all XXXX XXXX Rights, Interest and Equity owed to XXXX XXXX. Along with my tender/Allonge of payment ( entitled 'LETTER OF INSTRUCTIONS ' ) ; I also accepted and endorsed the negotiable instrument ( bill ) offered to me. 


I have given XXXX XXXX XXXX 5 business days ( per notice ) to respond in writing or to apply the principal 's balance to the principal 's account for setoff I was met with a notice from their organization saying that I sent XXXX XXXX XXXX a cease and desist ; where as you can clearly see in the notices you have ( same notices XXXX XXXX has ) it says to contact me in writing. NOT to cease and desist contact. 


Since then I have sent out 3 notices ( 3 tiers ) totaling 30 days. These notices are clear and concise of what I want them to do. I have performed and expressed myself according to the Federal Reserve Act Section 29 ; and now I am here to properly have XXXX XXXX XXXX and/or BREAD FINANCIAL assessed. 


They're in XXXX of XXXX for inferior performance of their fiduciary duties. At this point they're in the know of this breach and I would consider their actions to be scienter. 


The contract signed had no consideration on their part since they never loaned me any of their own money and/or assets ; instead they exchanged my promissory note ( Which had a cash value equal to the bank loan they Supposedly gave. ) Meaning, I loaned myself the credits they give me on the credit card and am being extorted for extra monthly payments and interest on top of what I have already gave them.
Product: Mortgage

To whom it may concern, I received an Escrow account disclosure statement and notice of new mortgage payment dated XXXX XXXX, XXXX. In the statement, the bank has attempted to forecast my escrow account for the 5th year of my mortgage. Technically, they have done it incorrectly because I have FHA Insurance that should be suspended in XXXX XXXX per the terms of the mortgage contract. However my concern is the current principal balance that is posted to my account at the company 's website. When the analysis was conducted and the statement sent, the company calculated a shortage of {$91.00}. They allowed for XXXX options, pay the entire amount with a resulting mortgage payment of {$800.00} or pay the shortage over the next 12 months in a new mortgage payment of {$810.00}. This would be effective for the period payment on XXXX/XXXX/XXXX. I chose to pay the entire shortage of XXXX with a resulting payment of XXXX, as I have done in the past. I adjusted my Excel workbook, calculated the payment, maximized my additional principal payment and submitted XXXX payments to the mortgage company. XXXX for the escrow shortage and XXXX for the required payment of XXXX plus XXXX in additional principal. Total payment for XXXX XXXX, XXXX was {$1100.00}. The current outstanding balance shows {$88000.00}. This is incorrect! Referring to my XXXX workbook shows this is different than expected, so I viewed the account summary which shows " Last payment received on XXXX/XXXX/XXXX {$810.00} " and shows " Next payment DUE ON XXXX/XXXX/XXXX {$800.00} '' and also shows transactions for the period. Here are the last transactions specific to the XXXX/XXXX/XXXX payment : Date, Description, Amount, Balance XXXX/XXXX/XXXX PMT REVERSAL {$0.00} {$88000.00} XXXX/XXXX/XXXX PMT REVERSAL {$91.00} {$88000.00} XXXX/XXXX/XXXX APPLIED FUNDS ( Details ) - {$91.00} {$88000.00} XXXX/XXXX/XXXX PRINCIPAL PMT ( Details ) {$91.00} {$88000.00} XXXX/XXXX/XXXX PRINCIPAL PMT ( Details ) {$280.00} {$88000.00} XXXX/XXXX/XXXX PAYMENT ( Details ) {$810.00} {$89000.00} After looking at these items, I see several mistakes and I am no banking consultant or mortgage analyst but I found it odd that the items do not match my Excel workbook which tracks my payments, as well as my outstanding balance, to include some other details. If I recall, I think that WFC is the largest holder of residential mortgage loans and would think that they would be able to correctly determine the outstanding balance of my loan. Maybe they are trying to make an arbitrage profit? I do n't think that it is fair that I have to watch my account to determine that there are mistakes being made. 

In summary, on XXXX/XXXX/XXXX my required payment was XXXX. Effectively, my payment on XXXX/XXXX/XXXX was XXXX, the same as it is showing for the current month, due XXXX/XXXX/XXXX. WFC calculated my payment as XXXX for XXXX/XXXX/XXXX. In doing so, the outstanding balance is incorrect. I have not viewed the escrow account for discrepancies but imagine that there may be some.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX was informed that I was a victim of identity theft. 

I filed a police report and contacted the companies whose accounts were fraudulent. 

I recieved paperwork providing proof that the accounts being reported on my Equifax credit report were due to identity theft. 

Equifax for some strange reason, keeps reporting the fraudulent accounts as accurate. 

I sent the exact same proof to the other credit bureaus ( XXXX and XXXX ) and they both corrected the errors. 

I have sent and spent postage over and over to Equifax and they refuse to correct the errors. I have been embaressed, ashamed and hurt because of the errors due to identity theft that Equifax refuses to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681c-2 at the receipt of an identity theft report a consumer reporting agency has 4 business days to block the fraudulent information from my consumer report.

The response from Equifax, which is attached, not only show that they've received my identity theft report, but has also prove that they've refuse to block the fraudulent information from my consumer report. Which by law they have no grounds to do so being that the request was a mistake by me the consumer, and the identity theft report from the Federal Trade Commission, which is attached, is not a misrepresentation of fact of this fraudulent information, and I did not receive and goods, services, or money for the blocking of this information.

This company Equifax in violation of my rights as a consumer under the FCRA. Also on the paper they sent, they claim these fraudulent inquiries are a factual record of file. A factual record of file by whom? Not only are these fraudulent inquiries unauthorized by me, but I also did not give any consent to any consumer reporting agency to include this fraudulent information to my report.

As written by congress the failure to comply with the removal of these fraudulent inquiries makes you liable under section 1681n of title 15.

As a consumer I am demanding that the following fraudulent inquiries are removed within 4 business days of the receipt of this complaint XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit card or prepaid card

I have yet to receive my way2go Florida unemployment benefits card it has been over 2 weeks I have called repeatedly waiting on hold for hours only for them to say there servers are down and call back later and hang up before I can say anything or I wait on hold forever and they act like they cant hear me and hang up on me they have my card with {$1200.00} on it I dont know what to do They said they tried to contact me thru a number I dont know if I have updated my contact information to XXXX or XXXX
Product: Checking or savings account

XXXX XXXX is under a court appointed Guardianship with a protective order to close his Wells Fargo Bank account to pay for care costs as XXXX XXXX resides in a XXXX hour care provider. Our agency serves as both the XXXX and protective agent over XXXX XXXX with the court ordered authority to close his account. We have attempted to close the account both at the XXXX XXXX location in XXXX XXXX and at the branch location in XXXX XXXX, XXXX. None of these attempts have been successful. We have spent multiple hours in the bank branch getting told different answers and they continue to refuse to release the funds. We are told to come into the branch and leave with no answers or getting the account closed. We feel they are discriminating against our client because he is a vulnerable adult with XXXX and unable to advocate for himself to come in person to the branch. The bank is holding onto his money and despite multiple court orders refuses to release it. I have delt with XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Neither of them are able to facilitate the closer of the account due to unclear reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a violation of my privacy.
Product: Credit card

i recently changed my address and received a letter from bank of america too late to provide documents what they need. i sanded that documents but unfortunately it was too late. i am ready to sand all documents what they needs again .PLEASE help me to open my accounts it is important for me. I will really appreciate that THANK you