23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The issue involves Chase XXXX card. 

On my XXXX statement it included the amount of {$10000.00} as the XXXX XXXX XXXX. The Payment due date is XX/XX/XXXX. I paid {$11000.00} on XX/XX/XXXX. 

On My XXXX statement I was still charged interest of {$130.00}. 

Talking to Chase customer service they explained because I didn't pay the entire balance of my XXXX statement. When I asked then why would my XXXX statement specifically mention one number to avoid paying interest when its not accurate.
Product: Credit card

Today XX/XX/XXXX I called customer service capital one for credit card services. I spoke to a person name XXXX and I asked her for help regarding cash advance. She stated she needed to read me a 15 minute disclose on the phone in order for me to consent and move forward. I asked her if there was a another way perhaps on the capital one app and she said no this is the only way for me to sit and hear her talk for 15 minutes about a disclosure. I dont have the time to hear someone speak non stop for 15 minutes about my account that Im calling about. I kindly asked if I can speak to a manager and she had me on hold for 5 minutes just to say no manager was available. At the same time that I was on hold I figured out that capital one app had a help section and I was able to retrieve a pin for my cash advance. I was lied by the customer service and I feel like she doesnt know what she was talking about she was not helpful
Product: Checking or savings account

Per the attached multiple responses from Wells Fargo, no additional information being provided by me, XXXX XXXX, which is a false statement. Wells Fargo is taking advantage of me and my language as being born outside of US. Multiple cases : case number XXXX, XXXX, XXXX, XXXX pertaining to my dispute about closing my deceased husband business account with Wells Fargo and distributing all funds on the business account to me as his only available heir ( in absence and missing information to me pertaining to other owner/owners of the LLC ) XXXX Those multiple cases were opened with constantly changing specialists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,. No wonder that due to the changing hands those specialists were unable to locate the submitted information from Wells Fargo XXXX at XXXX XXXX by personal banker during my appointment, and that last reply is not more than a pure lie. The Certificate of Termination of a business entity XXXX Weapons Systems issued from TX XXXX of XXXX on XX/XX/2022 ( that would be required have the consent from other owner/owners if they really are existed ) was passed thru all statutory compliance as said on the documents presented, otherwise the termination of XXXX could not be accomplished. After the death on my spouse/sole business owner of XXXX Tech Weapons XXXX XXXX XXXX XXXX XXXX to be found of other business owner/owners information I had no choice but to have all control over the entity to deal with incoming requests after my spouse death about sales tax, franchise tax, IRS, payroll tax. If other business owners really would exist they have to deal with business matters like this, not me. 
I am not aware of any partnerships between my husband and others, and dont have information about other business owners place of residence, no contact information to get in touch with them. Wells Fargo is unable or refuse to provide me with their contacts to resolve the dispute. To my knowledge the XXXX XXXX of Wells Fargo bank has been contacted and he does not see any problems to change the ownership on this business account due to those special circumstances and distribute 100 % of the remaining balance to me, but other departments seems to be not in sync with XXXX XXXX.
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$370.00} ; XXXX  XXXX XXXX Balance : {$800.00}
Product: Checking or savings account

Chase closed my account while traveling, it was an older account I had opened. An unknown chargeback went to the account while I was away causing the account to overdraft. I am enrolled in paperless statements and never got a notification or a phone call of this overdraft. They closed my account and now wont let me access any historical statements. They claim you can access them in the branch, the branch referred me to collections who then referred me to customer service who is completely useless in this scenario. 

Ive had several accounts opened with other major banks and never once saw a scenario like this. Including to refusing to share my bank statements.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Account Failure to Investigate Properly ( Identity Theft Report Attached ) Dear Experian, I am writing to formally dispute an account that has been inaccurately listed on my credit report. Despite a prior dispute, this matter was not properly investigated. Other credit bureaus have already deleted this fraudulent account from my report, and I request that Experian do the same. Below are the details of the fraudulent account : XXXX XXXX Account Number : # XXXX Balance : {$730.00} Original Creditor : XXXX XXXX XXXX XXXX ( Banking ) This account is a result of identity theft. I have attached an identity theft report for your review, as well as any necessary documentation to support my dispute. 

Please conduct a thorough investigation and remove this account from my credit report as soon as possible. As per the Fair Credit Reporting Act ( FCRA ), I have the right to have all fraudulent and inaccurate information removed from my credit report. I would appreciate written confirmation once the correction has been made. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

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

XXXX and Transunion - have knocked off creditors from my account that show over 30 years of credit including 2 mortgages that have been paid in full and for the 2nd time this year with nothing added to my report but a good paying history on 2 accounts have lowered my score to XXXX from over 600. Meanwhile XXXX has it correct and has increased my score steadily with the current information. Please verify to me why these companies can do such without anything changing on your report and how can they delete the value of past mortgages. They should be punished for what they do in error and then provide no way to dispute the facts and only allow you to dispute what they have on the report- so when they delete something you just are supposed to deal with it. It really is a shame they can get away with such.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone broke into my car a few months ago and now I am seeing request for my credit that I did not do. I have attached a copy of my identity theft report as well
Product: Prepaid card

When I realized I was unable to use my card I called NetSpend customer service line ( twice ). I spoke with a woman by the name of XXXX. She asked me some security questions about my account. For example how much was my last three uploads and the year I received the card ending in XXXX. I answered these questions to the best of my ability. Most of my answers were accurate. I feel that with the information I was able to give should have been enough information for her to realize I am who I say I am. I have 3 other prepaid card so yes, I may not remember what year I received the card ending in XXXX ( one of the security questions ). I was able to give reload locations and amounts of at least the last 2 or 3 places. I also was able to name whom I paid money to when using my card. I really need my money and I don't even have an idea why my card is locked in the first place!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to ignore my disputes and not fix the problem. I have repeatedly disputed some of the items over and over and over again. To no avail, even with proof the account is inaccurate, they simply send an Email stating the investigation is complete, when they are not investigating accurately AT ALL. Specifically : On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX and it states it is accurate when in fact it is not. This is a sold debt that was in fact closed on with XXXX with no monies being owed to that party, as I was not in a contract with them. Further, this account is being reported as if its a new debt and in fact it is not. Lastly, I have RECEIVED NO communication from XXXX XXXX about this debt- AT ALL. 

On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX. This car was totaled in an accident and the car was paid off by my insurance agency, XXXX XXXX and there was NEVER a late payment. In fact, the car was paid off 7 days after the accident. I DO NOT CARE what XXXX XXXX  tells you it is proof of this with the XXXX PD and of course XXXX XXXX. It remains inaccurate on my report and you have NOT done due diligence according to FDCPA. 

On XX/XX/2019 : For the 5th time- I disputed : XXXX XXXX # XXXX. I still have my XXXX XXXX account open and this {$77.00} is incorrect. 

On XX/XX/2019 : I disputed : XXXX XXXX # XXXX There was NEVER a late payment with this account. I received a 2 month forbearance due to dealer tag and title paperwork to tag the car was not sent to me in a proper timeframe upon purchase of the vehicle ( of no fault of my own ) XXXX is aware and I have documentation of proof to show ; Payments have just resumed. 

Lastly : on XX/XX/2019 : I disputed : XX/XX/XXXX # XXXX : I have no knowledge of this company, I have not received any debt collection information from this company and further the debt in question is not mine! How is it this information can just appear on my report without any knowledge to me of the who, what, when, where or why? 

XXXX  and the companies aforementioned are direct violation of FCRA.
Product: Debt collection

I have written to this company Ad Astra Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) and have personally spoken with " XXXX '' Employee number -XXXX at XXXX XXXX and spoke for XXXX minutes and XXXX seconds about validating and verifying the dept prior to moving forward. He refused and told me to take the deal I was given and lucky to get. He refused to transfer me to a supervisor and then said, " he was done, and any deal he was giving us was taken off the table. '' Not only was this conversation and his demeanor unprofessional, but it was also insulting and unbecoming. Instead of de-escalating the conversation, he continued to elevate the hostility and add gas to the fire. XXXX days have passed with for the official request for verification and validation. I requested to see all pertinent documents and they have not sent anything i have requested. My next move is to take this to FDIC and also to my state attorney 's office to file a complaint. 

Respectfully, XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, attached you will find my Proof of Claim, Conditional Acceptance for Value sent to Ocwen on XX/XX/2019 certified mail # XXXX. 

As of today, Ocwen has not responded to my Proof of Claim and Conditional Acceptance for Value under my private rights of action.

In addition, at question are instruments and assignments recorded at my property XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

attentively, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX XXXX XXXX  Account Under FCRA To Whom It May Concern, I am writing to dispute the collection account reported by XXXX XXXX XXXX XXXX on my Equifax credit report. Based on my investigation through the XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX is not licensed to collect debts in the state of California. As such, the reporting of this account is both inaccurate and unlawful. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax is required to ensure the maximum possible accuracy of the information contained in consumer reports. Reporting a collection account from an unlicensed entity that is prohibited from collecting debts in California fails to meet this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I have the right to dispute inaccurate or unverifiable information, which obligates Equifax to investigate and remove such information from my credit report if it can not be verified. 

Details of the Disputed Account Account Name : XXXX XXXX XXXX XXXX Amount Alleged Owed : {$1400.00} Actions Requested Investigate License Status : Verify through the XXXX XXXX XXXX XXXX and the California Department of Financial Protection and Innovation that XXXX XXXX XXXX XXXX is not licensed to operate in California. 

Remove the Inaccurate Entry : Permanently delete this collection account from my credit report as the entity has no legal authority to collect debts in my state. 

Provide Written Confirmation : Send me a written response confirming the removal of this account and provide an updated copy of my credit report reflecting the correction. 
Enclosed are the following documents to support my dispute : A copy of my credit report highlighting the XXXX XXXX XXXX XXXX account. 
Documentation from the XXXX XXXX XXXX XXXX confirming that XXXX XXXX XXXX XXXX is not licensed to collect in California. 

Equifax must complete this investigation and respond within the 30-day timeframe required under the FCRA. Failure to comply with these obligations will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. 

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

I regularly monitor my credit history and scores through XXXX XXXX and another service. My EQUIFAX score is consistently in the XXXXs. I thought the score scale runs to XXXX. 
I recently purchased a car. XXXX XXXX reported my equifax score at XXXX. The same week my monitoring services reported it at XXXX. I called EQuifax to inquire about the scale and how I could have 2 different Equifax scores in the same time period. The individual on the phone did not understand the question the first 6 times I asked and gave me silly stock answers to questions I was not asking. When he seemed completely confused he just hung up on me. 

The process to get through to a live representative to ask a " non-standard '' is cumbersome and invasive. It's clearly designed to make people give up and go away. The inability of the the rep to answer what should be a simple procedural question or go to someone and get an intelligent answer shows complete disregard for the needs of the consumer. 

Clearly scores at either level are not going to be a credit problem for me, but I have a right to understand what they are reporting about me and they have a duty to explain themselves. 

I tried XXXX XXXX. while much more polite and attentive, their representative was equally clueless about the process. The credit guy at the car dealer did not even seem to understand the question.
Product: Credit reporting, credit repair services, 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. 


Account Name : XXXX XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Debt collection

Debt was paid on XX/XX/XXXX I received the closing letter XX/XX/XXXX stating that the account was closed. Today XX/XX/XXXX I received a phone call stating our payment was declined but our bank records show it was paid.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding the unresolved disputed accounts on my credit report. Despite multiple requests for thorough investigation into the inaccuracies, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely affecting my credit file, causing considerable hardship and hindering my ability to manage my financial responsibilities. The ongoing presence of these inaccuracies has created significant challenges in my personal and financial life.

I kindly request that you immediately investigate the reporting of these disputed accounts and take the necessary steps to update and rectify my credit report without further delay. It is crucial that these inaccuracies be addressed to restore the accuracy and integrity of my credit file. 

I sincerely urge you to treat this matter with the utmost urgency and appreciate your cooperation in resolving this issue swiftly. 

Thank you for your attention to this critical matter.
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.

has violated my rights.

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. In addition I have provided the companies with a copy of a notarized ftc identity theft report. all of my private information has been leaked to thousands on various online platforms and has been used to create account and control accounts that where already existing. 



XXXX XXXX with reported balance {$0.00} discover card with reported balance {$4300.00} XXXX with reported balance {$3600.00} discover bank with reported balance {$2100.00} XXXX XXXX with reported balance {$2000.00} XXXX  with reported balance {$980.00} XXXX XXXX with reported balance {$3200.00} XXXX XXXX  with reported balance {$0.00} XXXX with reported balance {$0.00} XXXX XXXX XXXX  with reported balance {$0.00} XXXX inquiry XX/XX/year> XXXX inquiry XXXX, XXXX, 2022 XXXX XXXX inquiry XX/XX/year> 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX, Have not been updating my credit reporting every 30 to 45 days I do believe this is retaliation from me filing a complaint against all three credit book bureaus and I like this problem to be fixed immediately it is preventing me as a XXXX on XXXX  from receiving funds for my business. Someone has gone in and changed all my personal information on my credit report and continues to do it in the credit bureaus are failing to report it to the consumer that this is happening to such as myself. From months I have been trying to build up my credit score and the credit bureaus were fused to report my good payment history.
Product: Credit reporting or other personal consumer reports

I'm not liable for this debt with XXXX XXXX XXXX for the amount of XXXX $ that was establish on XX/XX/2020 as mention before I'm a victim of identity theft and around XXXX some one took over my bank information and identity from the XXXX XXXX, and lost all access to my accounts
Product: Debt collection

In XX/XX/XXXX I pulled all three credit reports. I noticed an account from XXXX XXXX XXXX, XXXX. In XX/XX/XXXX I  disputed the alleged account with all three credit bureaus. In XX/XX/XXXX all three credit bureaus came back as verified. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX. ( Letter enclosed ) Prior to this XXXX XXXX XXXX, XXXX did not send a dunning notice. They also did not notify me within 30 days of placing negative information into my credit file. On XX/XX/XXXX I sent a certified letter asking for validation of alleged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Sandtander of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX   credit reportsXX/XX/2018 related to that fraudulent application. An official dispute of this inquiry was submitted certified mail with return receipt to Sandtander XX/XX/2018 and againXX/XX/2018 however in each instance Sandtander failed to reply to the status of the investigation and/or removal of the fraudulent related information from my clients credit report ( s ). This is a violation of the FRCA and my clients federal consumer rights.
Product: Student loan

I have been XXXX since 2007, contacted loan servicer asking why both lenders still show on my credit. Applied for borrower defense to pay. Was told hold up on both sides XXXX schools. No help no answers interest still adding up. Paid down free back
Product: Debt collection

Re : NCA ACCOUNT NUMBER UNKNOWN Dear NCA ( NATIONAL CREDIT ADJ ), I am writing to formally demand that you cease all communication with me regarding the above-referenced account, effective immediately. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I request that you cease all collection activities, including but not limited to phone calls, letters, or any other forms of communication, concerning this account. 

In addition, this letter serves as a formal demand for you to immediately cease reporting this account to any credit reporting agencies. I believe this account to be the result of identity theft, which I have previously disputed. Attached is a copy of my identity theft report for your records. Since this account is fraudulent, it should not be reflected on my credit report, and I expect you to take immediate action to remove it. 

This letter does not serve as an acknowledgment of any debt or liability. I do not consent to any communication by phone, at my place of employment, or home regarding this matter. If you intend to take legal action, any further communications should be limited to written notice of such action as required by law.

Failure to comply with my request may result in further legal actions. 

I expect written confirmation within 30 days that you have ceased all communication and collection activities and that you have notified all credit reporting agencies to remove this account from my credit report. 

Thank you for your immediate attention to this matter.