23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had a Wells Fargo Secured Credit Card that was secured by funds provided by me. About 5 months ago I started going through a financial hardship and Wells Fargo closed my account, added excessive fees, and now they've sent the account into collections for over {$150.00} -- of which are all fees. This had adversely affected my credit profile and I was never offered the opportunity to make a payment arrangement or restructure that debt.
Product: Credit reporting or other personal consumer reports

Incorrect Information to be Removed : Names : XXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Employer : XXXX XXXX XXXX XXXX to be Listed : Names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL XXXX Please review the information and make the necessary corrections to my credit report. Thank you.
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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Fraud Address : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, address, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

U S bank has charged me $ 550.00+ in bank fees since XX/XX/2019 2019
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a customer.
Product: Debt collection

XXXX synchrony debt of XXXX was paid on XX/XX/18. not only is thisdebt on my credit reports it is being reported as charged off and or dilinquent. i want this item removed off all credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Medical Collection added to my credit report in 2019 which led to a decrease in my credit on all the credit reporting bureaus. I recently reached out to the Creditor to confirm an error in reporting, paid the Creditor directly after the resolution and agreeing that they'll send a notice to the collection agency ( XXXX ) to have it removed. The collection agency reached out to the credit reporting bureaus, only XXXX had updated my record and increased my credit scores but XXXX and TransUnion have both refused to effect a change in my score even after removing the collection item from my record. They stated that a removal of a collection doesn't guarantee an increase in credit score and I'm confused because if the addition of a collection item to my record could lead to a decrease in my Credit Score, shouldn't the removal result in the increase? How is that a fair reporting and justice on my end as a consumer.
Product: Debt collection

Date : XX/XX/XXXX Consumer Financial Protection Bureau To whom it may concern : Re : Transworld Sysytems # XXXX I submitted a complaint to your office on XX/XX/XXXX regarding Transworld Systems Inc. because of an attempt to collect a debt from me that I did not owe ; the complaint with the Consumer Financial Protection Bureau is listed under # XXXX-XXXX. Subsequently, I received a letter from your organization with a copy of correspondence from Transworld Systems that stated the matter was being closed because Transworld determined that I was not the consumer who owed the debt and Transworld said that they would have no further contact with me. 
On XX/XX/XXXX, I received yet another letter from Transworld Systems attempting to collect a new debt from me in the amount of {$17.00} with a license plate number that I have no knowledge of is not connected to my driving history. 
I am obviously disputing this new debt and I plan to send Transworld a certified letter indicating that I dispute the validity of the debt. However, I do not understand why Transworld Systems continues to attempt to collect a debt from me knowing that I am not the consumer who owes the debt, and seemingly without doing any work to identify the person who actually owes the debt. 
I am a XXXX-year-old woman who drives a 9-year-old XXXX vehicle. If necessary, I will provide your agency with information regarding my drivers license and license plate so that you can compare that information to Transworld Systems records. However, these constant letters from Transworld seem to constitute harassment and I shutter to think about how many senior citizens and other un suspecting consumers they are harassing without cause. 
Please assist me with resolving this matter. 
Best, XXXX XXXX
Product: Debt collection

I want to file a formal complaint against Credit Collection Service

for egregious violations of my consumer rights. It has come to my attention after reviewing my credit report that Credit Collection Service placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute these alleged debts. I am unaware of this debt and I have no knowledge of these debt. I hereby declare my revocation of all communication channels with Credit Collection Service including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Credit Collection Service provide a purchase order agreement between them and the alleged original creditors. I am particularly concerned about this collection account which has been posted to my credit report. I demand the immediate deletion of this account from my credit report. The date on my consumer report indicating that I opened an account with Credit Collection Service is blatantly false. I neither received any services or products from Credit Collection Service or entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. It is also very deceptive. Credit Collection Service is in violation of the Fair Credit Reporting Act he Fair Debt Collection Practices Act and it also Defamation of Character.
Credit Collection Service has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on my credit report. Credit Collection Service has not given me a chance to dispute accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) Credit Collection Service is violating my consumer rights by using false misleading misrepresentation and utilizing deceptive means. Collection agencies have no authority to furnish any accounts to consumer reporting agencies without providing any and all disclosures required by law. The actions of Credit Collection Service constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of these collections from my credit report on all the Credit Reporting Agencies that they reported to and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions Account on Credit report states XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Checking or savings account

To date this year since XX/XX/2021, Wells Fargo has deducted 75 overdraft fees from my checking account at {$35.00} each. The total is {$2600.00} this year. The bank also charged me over {$2000.00} in fees last year. I work in construction and take home less than {$50000.00} per year, so these fees cause me very real hardships. 

I turned off overdraft protection years ago so that charges would just get declined. However the bank still approves some recurring transactions even though I don't want them to. 

I should also note that I covered all of these overdrafts within a week at most. I work full time and have deposited a paycheck every Friday at Wells Fargo for the last 5 years. 

I've also gone into branches many times to request fee reversals. After reversing a few fees about a year ago, the bank has since refused to reverse any more. Last time I went into a branch, a banker read through my transactions and shamed me in front of other customers for incurring the fees. It was humiliating. 

I really don't trust Wells Fargo at this point. They send emails daily saying they're here to help during COVID, but then they charge me overdraft fees everyday. I feel totally manipulated and exploited. 

I just want them to stop charging me fees so I can finally cancel my account and switch to a new bank. It feels like an abusive relationship. I worry Wells Fargo wants to keep me in this hole, which is why I now feel the need to file a complaint. I'm just looking for a way out, and to prevent them from preying like this on other vulnerable people. 

Sincerely, -- XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts inaccurately report amounts and dates.
Product: Credit reporting or other personal consumer reports

LEASE REMOVE ALL ACCOUNTS! AS PER GUIDANCE FROM CFPB THE DOCUMENTS NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX DEBT BONDAGE, WHICH FALLS UNDER XXXX  ACCORDING TO XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VITIM AND WOULD LIKE FOR ALL THE FOLLOWING ACCOUNTS TO BE BLOCKED AND REMOVED, THE FOLLOWING ACCOUNTS ARE XXXX XXXX  {$8400.00}, XXXX {$940.00}
Product: Checking or savings account

I am Filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming desposits. Capital One has cited technical issues, which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about the consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are withheld. Thankyou.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I submitted a wire transfer with Huntington National Bank. The ID numbers associated with the wire transfer are XXXX and XXXX. My customer ID number is XXXX. 
Upon placing the wire transfer, I was informed that the funds would be transferred within 12 business days. After one week, I began contacting customer service, who referred me back to the branch that initiated my wire transfer ( Huntington Bank : XXXX XXXX, XXXX, XXXX XXXX ). 
I visited the bank on XX/XX/XXXX, and was told that my wire transfer was under investigation and that the investigation would conclude on XX/XX/XXXX. The explanation given for the delay was that I am XXXX  from the XXXX, and I opened the account online. However, by XX/XX/XXXX, the funds had neither been transferred nor released. 
I called the branch again, and the bank teller requested personal information regarding the nature of the funds I was transferring and advised me to continue waiting. 
Given that it has taken 21 days so far to process a domestic wire transfer, I suspect that the bank is fraudulently holding my funds to continue lending against the {$20000.00} that have been on hold for the past 21 days. I am concerned that such predatory practices may also be used on other unsuspecting customers.
Product: Vehicle loan or lease

I have a voluntary repossession on my credit report that i had continued to make payments on even after the car was repossessed. I satisfied the loan in full but it still is showing on my report as if i owe XXXX still. They have not updated the account balance even though I 've been done making payments to them for over 2 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. Due to Equifax being a Consumer Reporting Agency and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

15 USC 1681c-2 states that 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 identity theft, no later than 4 business days after the receipt of the following : 1. Appropriate proof of 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.

Equifax received everything required under the FCRA needed to place a block on the information that resulted from identity theft as proof through CFPB Complaint number XXXX submitted on XX/XX/2021. It is now XX/XX/2021 and Equifax has yet to place a block on all information resulting from identity theft. 15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit in a manner that is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information. If Equifax allows its business partnerships with these organizations to continue to violate my FEDERALLY PROTECTED consumer rights, they will be liable to me for XXXX XXXX XXXX XXXX and any other actual damages caused as a result of the failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX To Whom it May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified.According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15r U.S.C 1681i, every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any completely deleted. The Following derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECTLY INCOMPLETE, UNTIMELY, NOT MINE NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT regulatory federal reporting laws and or standards and must be removed immediately the the infractions are as follows : Alleging creditor and account as is reported as having a late payment on my credit report, Aldous & Associates I am demanding that this account be updated to Paid as Agreed and Never Late. By the provisions of the Fair Credit Reporting Act and perthe standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 Compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. I await your reply with the requested proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting that loan was in a 90 day late 0eriod. Loan is now paid in full and was paid off several months early by making larger than required payments. Last payment originally set up through a debit card online but company processed the payment through an account they had originally set up for the bi-weekly payments that was no longer funded. I was unaware of this for a few weeks and received no notification of the returned payoff payment. There is no one to speak to at the company, customer service is all on-line/email and slow in response and every attempt in trying to resolve the issue was met with another person who didn't understand the issue and offered no resolution or incorrect information. Extremely frustrating. Ended up submitting the payment again and it was processed from the correct account but noticed later account was showing past due. This account was paid off several months early and larger than required payments were made so no payment should have been considered late, especially with the error by XXXX  in incorrectly processing the final payment and offering no assistance in resolving their error or refunding my bank NSF fees. Every request for reimbursement was ignored.
Product: Credit card or prepaid card

I was contacted by CitiVisa for some charges to my account. XXXX XXXX XXXX XXXX  {$1400.00}, XX/XX/2023 XXXX {$970.00}, XX/XX/ XXXX {$430.00}, XX/XX/2023 XXXX {$130.00} They did not want to set aside the charges instead they ask me to continue paying the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice that my credit report does not update every 30 days as supposed. Also, my report reflects a debt amount that is not correct. I also typed and mailed a certified letter stating my Current name, address, employer and number that I wanted only my report to reflect and that was not updated correctly. I have called several times to experian to get these issues resolved and I'm always given the run around or being transferred to different people and no one still helps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Debt collection

I have accepted a settlement agreement with Conn 's XXXX XXXX I have made payments on time as agreed. According to settlement letter ( I am attaching ). I have had several problems with XXXX including trying to collect the wrong amount from my account. -- This happened multiple times. 
I asked instead of making a draft on my account could we delete the future payments and I would call to make the payment each time. I was NOT told this would void the settlement offer in any way. The WRITTEN offer says NOTHING about requiring the payments to be automatically debited. 
Today I called to make an EARLY payment of {$53.00} to my account. The customer service rep. TOOK my payment it was TAKEN OUT of my account right away. 
I was then informed that the settlement agreement was no longer in place per a SUPERVISOR who noted my account ( noted that because I deleted the automatic draft the agreemtn was no longer in place ). 

I asked to speak to a supervisor who finally found the WRITTEN agreement that was sent to me ( although it took an act of Congress for them to send it to me ). 

This supervisor said she would have a settlement letter sent to me but I don't trust anything this company has to say. I want to make sure this is resolved per our WRITTEN agreement. I have done EVERYTHING as AGREED. 

Finally, I don't appreciate the curt and crass tone of the supervisor today. She wanted to treat me like a child and FINALLY agreed to look at the documentation but not before telling me how many things she " can't '' do and asking me if I have documentation YES, I have documentation and I have made all payments on or before the agreed time. 

This is more than poor customer service it leaves a frustrated customer with no recourse. I have complained to the Texas Attorney General. To remove the agreement after a customer has followed the agreement to the letter is not just poor customer service it is against the Texas Deceptive Trade Practices act and amounts to fraud on a customer.
Product: Debt collection

I don't recognize this debt. I had received multiple phone calls and letters last year from Benjamin Chaise & Associates regarding this file. I sent recommended CFPB letter to this debt collector in XXXX XXXX, California on XX/XX/XXXX asking for more information via certified USPS mail which was received XX/XX/XXXX at XXXX. Specifically requested NO more phone calls only contact via certified mail. No contact since then. Just received a call and voicemail now from a number with NO CALLER ID the person identifying themselves as XXXX XXXX from Benjamin Chaise and Associates. I have recorded it and attached below. Not very happy about this I am seriously considering retaining a lawyer for legal counsel and suing them for harassment.
Product: Credit reporting

Said I was 30 days late for a bill or payment XX/XX/2016. 

I was not late or at least tell me what bill was late!!