23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I used the bill pay service of XXXX Bank to pay a bill due to XXXX XXXX ( {$XXXX} ). 
The {$XXXX} was taken from my account on XX/XX/year> and according to XXXX Bank, their check cleared on XX/XX/year>. 
On XX/XX/year> XXXX  informed me that the check was deposited and then withdrawn from their account at Wells Fargo. The reason given by Wells Fargo was " refer to maker ''. 
I have a copy of the cleared check, drawn on Wells Fargo and a written statement from XXXX that this check cleared and was paid. 
Twice I called the number on the check for " payment processing center '' and they connected me to XXXX Bank the first time and Wells Fargo the second time. In both cases this was simply the general toll free number of those banks. Ally was helpful and sent me information. The automated Wells Fargo system did not seem capable of connecting me to a person and eventually hung up on me. 

As far as I can tell " payment processing center '' is neither XXXX nor Wells Fargo and deflects all questions about these payments they supposedly process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I sent a identity theft packet, that included letters of the listed accts to Transunion. I sent my report with all items marked off included in the identity theft. I filed a Identity theft report to identitytheft.gov and also sent a copy of 605 b which clearly states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I spoke w/ XXXX from Transunion and spoke w/ XXXX who advised the dispute will be completed by XX/XX/XXXX, I advised him of the timeframe and blocking those details in which he advised he received the documents on XX/XX/2020 which means the information should be blocked by now
Product: Credit reporting or other personal consumer reports

XXXX is report inaccurate car payment balance that has been paid off about XXXX XXXX now balance of {$2200.00} still reporting incorrectly
Product: Credit reporting or other personal consumer reports

Three accounts are fradulent accounts and must be removed from my credit report legal action will be taken if not XXXX XXXXXXXX XXXX  XXXX ( balance {$920.00} ) Does not belong to me identity was stolen delete. 

XXXX XXXX XXXX XXXX XXXXXXXX ( balance {$830.00} ) Does not belong to me identity was stolen delete XXXX XXXX XXXX  : XXXX ( balance {$640.00} ) Does not belong to me identity was stolen and is under XXXXXXXX XXXX XXXX XXXX which is not my name please delete
Product: Checking or savings account

Of all my XXXX CDs with the bank, so far I only received XXXX '1099 ' in the mail ( for XXXX  ). I was able to download XXXX '1099 's online including the one I received in the mail. This morning I logged in online searching for the missing '1099 ' for the CD ending XXXX Under the Paperless Setting, I found all my other accounts except for this particular CD. I called around XXXX XXXX  and talked to an associate. Initially, she was not able to see what I see. She told me to do a few steps and then she was able to see what I see. She saw the problem but she couldn't find what caused the problem. She asked me to hold and she talked to the bank 's CD department. After a brief hold, she told me the CD department told her that they have nothing to do with that '1099 ' being missing and asked her to talk to the '1099 ' department. She asked me to hold. Then suddenly the phone was re-routed to the general line. A different person picked up the phone and asked me what I want. After on the phone for more than XXXX XXXX XXXX do I need to repeat myself and explain the problem all over again?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I asked Equifax, XXXX, and XXXX to investigate validity of debt on certain items inside my credit report. No response from any of them by XX/XX/21. I Sent a letter to demand to comply on XX/XX/21 as they have 30 days they have to respond to disputes, which they haven't done.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX bankruptcy case number XXXX has been completed and debts were fully discharged. Accounts listed on my credit report which were included in the bankruptcy should reflect a {$0.00} balance. Some accounts also fradulently report that the account was included in XXXX  XXXX. That is incorrect information. XXXX XXXX  also incorrectly includes a status of " charged off ''. The account was not charged off but was included in XXXX  XXXX bankruptcy and fully discharged. 

Debts that are discharged in a XXXX  XXXX bankruptcy should be reported with a {$0.00} balance after the discharge is entered. Furthermore, as the automatic stay of creditors prohibited the lawful collection of the debts as soon as the bankruptcy case was filed, a creditor or debt collector may not continue to report the account or trade-line as " past due '' once the bankruptcy has been filed. 

Creditors who continue to report the debts listed in my bankruptcy schedule as past due or with a balance due after I received my bankruptcy discharge, are robbing me of my fresh start... .and a a result I have been damaged : I have been robbed of my fresh start. 

I want all accounts, with the exception of the newly opened XXXX  XXXX account on which I am an authorized user only, to be updated to accurately reflect the fresh start granted to me by the courts. 

I filed a previous complaint regarding this issue and the credit bureaus took more than 30 days to investigate which is a direct violation of the FCRA. Should this issue continue to go unresolved I will pursue the assistance of a legal team.
Product: Checking or savings account

I accidentally requested to put my tax return on a credit card I made a large purchase about a week ago and I am unable to access my funds I've called credit karma customer service XXXX XXXX  and XXXX XXXX none were able to Assist me in resolving the problem I called credit karma fraud department they told me that my card had been unfrozen and I still do not have access to the money on my card.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX 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 : XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XX/XX/XXXX opened basic business checking with Axos business bank  XX/XX/XXXX deposited check for {$5200.00} into Axos business account on mobile app XX/XX/XXXX notified that account was frozen because check was dated incorrectly by email XX/XX/XXXX XXXX XXXX XXXX assured me that Axos bank had deposited the funds and that the funds had left my account at XXXX XX/XX/XXXX spoke with " XXXX '' at Axos stated under review XXXX Spoke with XXXX at Axos who stated " XXXX '' would call me back ... ..never received a call XXXX asssured Axos by email that funds had left the bank of origin XXXX Case numbers for the case and call back case numbers established ... .never received a call back. was told that the case had been " escalated '' XXXX received an email from XXXX XXXX at Axos bank who asked for proof that the funds were no longer in my account at XXXX. I immediately responded with bank copies of the cancelled check from acct at XXXX ... ... XXXX XXXX never responded XXXX Called Axos customer service. Asked to speak with XXXX XXXX. Was not allowed to speak with XXXX XXXX but he assured the cust serv rep that my account would be released that day ... .they were not XXXX Called cust serv, again XXXX XXXX refused to speak with me but I was assured that the funds would be released... .they were not XX/XX/XXXX Called cust serv. agent " XXXX '', was not allowed to speak with anyone in charge he relayed that " XXXX '' told him that the funds would be released today... .they have not been
Product: Credit card

My wife always pays the bills online and at least XXXX month inadvance. lets just start in XX/XX/XXXX. This was already paid onXX/XX/XXXX, then XXXX was paid on XX/XX/XXXX, then XXXX waspaid on XX/XX/XXXX, Then XXXX was paid on XX/XX/XXXX, then XX/XX/XXXXwas paid on XX/XX/XXXX, and finally XXXX was paid XX/XX/XXXX. Then XXXXI received a bill with a due date of XXXX XXXX that included a late feefee for XX/XX/XXXX of {$25.00}. As you can see, this charge should'NEVER ' have been applied because my wife was not just XXXX ahead of payments but several months. I dounderstand that sometimes computer billing systems maynot understand payments made in advance so I calledcustomer service and asked to speak to a supervisor andwas handled by XXXX. She saw the advanced paymentsyet she said she would not remove the late fee. This fee isactually a fee for paying early!! ABSURD!!! I want this XXXX not " waived as a courtesy '' as smugly as XXXX stated, but I want it removed because a fee for early paymentshould never happen. XXXX calls it a late fee, I call it beingpunished for paying early. XXXX also claims that a '' courtesy '' waiver '' was already issued on the very XXXXpayment. This should never have happened either. XXXX Jewelers said we would be billed in XXXX days butinstead we were billed immediately. When my wife noticedshe may be late if she paid online because it was alreadythe day of the due date, she went directly to XXXX XXXX and paipaid it with assurance that your firm would be called and the billbill be posted as paid on time. My wife listened XXXX on thephone to make sure things were taken care of. XXXX is nowstating that this constituted a " waiver '' for a late payment. 
Once again this was paid on time, albeit the same day due, but every payment since then was paid in advance!! At notime was our account EVER late!!! I want this {$25.00} fee takenoff of my bill, not as a courtesy but because it does n't belongthere in the XXXX place and neither was the XXXX incident. I alsowant XXXX taken aside and retrained in handling customers. 
She ended the call with a 'smug ' " Is there anything ELSE Ican help you with ''? XXXX did n't help me at all. She alsowould n't give me her bosses name or number in order for meto climb up the chain of command. XXXX stated that shehad the last word. Does XXXX run your firm or does sheanswer to someone else? If she does answer to someoneelse which I know she does, she needs to be made aware ofthis. Customers are owed satisfaction not insults!! Rescindthis late fee immediately or I will take further legal action. 
A very dissatisfied customer!!!
Product: Credit reporting or other personal consumer reports

Capital one card has not updated my credit balance to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was opened in my name with XXXX XXXX XXXX and it can not be verified as valid or my obligation. I have enclosed proof that the company has fraudulently opened and sustained the account under a false dealership name.
Product: Credit reporting, credit repair services, or other personal consumer reports

EFX Code E Fraud Victim Alert Type Extended RPTD XX/XX/XXXX, Effective XX/XX/XXXX Contact ( XXXX ) XXXX XXXX XXXX Daytime address not provided/ Additional info recvd from XXXX FRAUD 3rd Party on my credit report. 
I tried to call this number today, XX/XX/XXXX but no answer, just beeping.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX AV XXXX, NC XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, HI XXXX ; XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6500.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item 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.
Product: Credit reporting or other personal consumer reports

So there was a charge off on my credit report I had. disputed this account multiple times. I didn't get any recourse. I. got in touch with the creditor at Wells Fargo. I was able to get in touch with the management the higher ups. Once I got in contact with them, they sent me the documents stating that if I make this settlement payment of {$5700.00}. they would zero out and remove. this account from the credit report that would make my credit go back into good standings. This is the only negative account that is on my credit report currently. It's like I do my part and then they dragged their feet with doing what they said they were going to do. All I'm saying is I have a XXXX  full of all proof and documentations that they stated that they were going to do things and. when it comes to this last thing that they are supposed to do, they have not done it. The account is not zeroed out. It has not been removed. It has not been updated nothing. So I am still currently waiting for them to do so.
Product: Credit reporting or other personal consumer reports

My loan was sold to another company and payment was made on time to a new company when transfer was complete. The old company Vanderbilt Mortgage and Finance inc reported late payment to credit bureaus affecting my ability to receive a loan for additional property and resulting loss of the property we tried to acquire. They also refused to get it fixed in a timely matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 
XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX PREXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. 
Sincerely, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

ACCOUNTS REC SOLUTIONSAccount Number : XXXX Opened : XXXX : Paid, Closed. 

I called ACCOUNTS REC SOLUTIONS on XXXX 2011 in regards to bill that was sent to them as a collection, on behalf on physician lab. I was unaware about this until I contacted them, and when I did XXXX of their representative informed me that as long as I make some type of payment continuously this will not be sent to the XXXX. Unfortunately, it was sent to them, even after I paid the account in full. I contacted the XXXX and informed them of the situation, and they told me to contact the collection agency and ask them to request the XXXX to have the deliquency removed. The supervisor who I spoke to stated that she will not do that because it will require tremendous amount of work for her to do so, therefore she ca n't do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block the items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In my credit history there are three accounts that I XXXX XXXX XXXX would like to draw your attention to. These accounts have or contain false or missing information and I would like them removed from the credit history. 

The first of them is XXXX XXXXXXXX XXXX account number is XXXX and has a Date Closed XX/XX/XXXX which is False. A Date Opened XX/XX/XXXX which is also False. Also the total information of my payment history is absent or missing. Is this 100 % accurate as FCRA says. I don't think so. I understand that if we follow the law, this account has already been verified and updated many times and it continues to appear that it does not comply with FCRA. This account should be removed please. 

The second is XXXX XXXXXXXX XXXX Account number is XXXX. Total information on my payment history is absent or missing. Is this 100 % accurate as FCRA says. I don't think so. I understand that if we follow the law, this account has already been verified and updated many times and it continues to appear that it does not comply with FCRA. This account should be removed please. 

The third is XXXX XXXXXXXX XXXX account number is XXXX the total information on my payment history I never presented a history of arrears that would lead the account to be thrown into Charge off. It was simply Charge off because it seemed that way to them. I understand that before going to Charge off There must be delays of 30,60,90,120 days. That never happened. This account should be removed from my credit history. 


My entire financial life is in a tremendous crisis due to these accounts that this company maintains in my credit. I am already desperate with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting false information to my credit report for XXXX XXXX since XX/XX/2017 for XXXX, XXXX and Transworld system is reporting XXXX for XXXX XXXX XXXX. 

Both companies have failed to remove these items off my credit although I provided proof of identity theft police report.
Product: Vehicle loan or lease

XX/XX/XXXX I check my credit report and found out they Quality Acceptance the agency in which I purchase a car loan had not posted all of my payments on the car. The car was stolen the last part of XX/XX/XXXX and was put in an impound by the XXXX XXXX Police Department because the people that stole it we're gaming members and they had committed several robberies in my car so the police have kept it for evidence. 
When the impound called me to pick up the car on XX/XX/XXXX the car was gone Quality Acceptance had repossessing the car when I called they told me because they said I had outstanding payments missed on the car. But they never did call me or send me anything in the mail or even try to contact me on my email and I've always made my payments and so. 
I had made several complaints to your agency about this company in XX/XX/XXXX and you cleared them and I wanted to know what you can do about this complaint