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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Transunion to verify the disputed accounts and remove them if unable to prove that the accounts are mine. Transunion is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged accounts. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX XXXX  XXXX Date opened XX/XX/2020 Balance XXXX, XXXX XXXX Date opened XX/XX/2020 Balance {$12000.00}, XXXX XXXX Date opened XX/XX/2020 Balance {$1900.00}, XXXX XXXX Date opened XX/XX/2020 Balance {$7500.00}, XXXX XXXX Date opened XX/XX/2020 Balance {$1200.00}
Product: Checking or savings account

Hi my name is XXXX XXXX XXXX I bank with Chase bank and I been XXXX   by this bank a few years ago while I was XXXX  XXXX I have since XX/XX/19 had a miracle and one XXXX  is almost at a XX/XX/XXXX thanks to the most high and Dr. XXXX XXXX. I had made some check deposits in the past and on XXXX XX/XX/2019 I noticed I was charged all sorts of fees on 11 checks they claim I deposited on XX/XX/19 and they all bounced. As i mention in the last year i did deposit those checks and they would have been the only ones with control and copies. Now .y account ending in XXXX is totally XXXX  up and they refuse to refund my money they returned 3 {$12.00} charges but I still have half of dozen {$12.00} & {$30.00} charges they refuse to take care of Today XX/XX/2019 instead of  celebrating my other halfs birthday I am stuck on the phone with department after department and as I mentioned before I went down this same road before and Chase ultimately just ignored me last time and kept all those fees it is a common practice by them and I am asking for you the proper governing agency to apply the law and investigate I have other XXXX people who bank with this bank and have had similar issues Please help and thank you in advance and I see {$240.00} missing from my linked checking account as a withdraw that I never made so now I am extremely concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$2900.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$330.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$1100.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$380.00} ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$200.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$210.00} XXXX XXXXXXXX : Bankruptcy Reference Number XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1100.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$380.00} ; XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$330.00} ; XXXX XXXX XXXX, XXXX Opened XXXX XXXX, XXXX Balance {$250.00} ; XXXX XXXX XXXX XXXXX Opened XX/XX/XXXX Balance ;
Product: Credit reporting, credit repair services, or other personal consumer reports

BBVA has erroneously posted an auto loan under my social security number and has caused significant damage to my credit report. On XX/XX/XXXX I notified BBVA customer service that an erroneous entry on my credit report showed an auto loan that I did not have. After several phone calls to BBVA they promised a call back but never did. On XX/XX/XXXX I called BBVA offshore customer service ( in XXXX ) which they advised they had confirmed with the auto dealership where the loan was opened, and that the social security number was correct. I knew this was not true, so I asked the rep for the name of the dealership where the auto loan was opened. The BBVA rep gave me the information and I called the dealership and spoke to the finance manager. He confirmed the Social Security was miskeyed by BBVA. I then called back BBVA and advised them of my investigative findings. BBVA promised a call back and I never received one.  Last night the rep stated that I should just get a lawyer, which is a horrible response to solving this problem. I would like to file 1 ) complaint regarding the issue with incorrect SSN displaying on my credit report 2 ) I would like to file a complaint to your executive managers regarding the false investigation that was conducted on your part. 3 ) I would like to file a complaint to your executive managers regarding every representative who promised to call me back but did not. Per FCRA law the item must be removed from my credit report immediately. The customer service that I received from this bank is horrible. All calls are contracted out to a call center in XXXX, and their customer service skills are horrible. I am not even a customer and I am glad I am not.
Product: Credit card

Dear Sir/Madam, I hope this message finds you well. I am writing to formally request further clarification regarding the denial of my Service members Civil Relief Act ( SCRA ) benefits for my Wells Fargo Home Projects Credit Card account. As an XXXX XXXX XXXX  of the United States XXXX XXXX XXXX in Louisiana, I believe I am entitled to these benefits under Louisiana statute 29:312, which aligns with the provisions of the SCRA, as you can see below.

C. The amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made.

Despite my previous inquiries and the expectation of receiving a letter or email with a detailed explanation of the rejection, I have yet to receive any communication from Wells Fargo outlining the reasons for this decision. I have reached out to Wells Fargo several times over the past couple of months, but I have not received a clear answer, nor have I been provided with any documentation to explain why I am being denied the SCRA benefits to which I am legally entitled.

I respectfully request that Wells Fargo provide me with the following : Any further steps or documentation required to reconsider my eligibility under the SCRA because I am legally entitled to it.

I trust that Wells Fargo will honor the protections provided under the SCRA as stipulated by both federal law and Louisiana state law.
Product: Mortgage

I sold my home that was mortgaged through Wells Fargo. We closed and my title company attempted to pay off my loan on Tuesday, XX/XX/XXXX. Wells Fargo would not allow the payoff citing an escrow shortage of {$4700.00} incurring {$32.00} interest each day. They received the payoff request no later than XX/XX/XXXX from the title company so should not have issued any payments. Additionally, I tried to inform them and produce documentation that I had paid for the insurance policy out of pocket, and that it was not paid from escrow. I confirmed with my insurance company that they did not send a bill to Wells Fargo, just confirmation of the policy. The insurance company also confirmed they had not received any payment from Wells Fargo either. Wells Fargo failed to produce any documentation to me to confirm proof of payment, no receipt, bill from insurance, no check #, nothing. Instead they yelled at me and mansplained what escrow was and how insurance works and ignored my requests for documentation demanding that I wire funds over the phone in order to complete the payoff of my mortgage. I asked for a manager and was not connected to one. When I tried to conference call back with my insurance on the line, I could not get through to anymore. Wells Fargo erroneously is dragging this out and charging me interest and it seems is getting dangerously close to making me default on my mortgage for non-payment as they will not allow the payoff. They are not producing any documentation as proof of their payment and my insurance has not received any payment from Wells Fargo. This should have been a joyous, easy and exciting payoff transaction that Wells Fargo ruined through their harassment, condescension, lack of accountability and failure to take action to remedy the situation with urgency. I feel scammed by their lack of professionalism and attempt to hold my payoff hostage unless I produced {$4700.00} to them through a phone wire without producing any documentation as proof of their payment. I am sickened by their unethical business tactics and felt that the bureau needed to be informed as these tactics likely are effective on those that are less savvy than myself to refuse payment without them producing documentation. The customer service reps were incredibly rude to me and the title officer, claiming that we " don't understand how this works. '' I highly suggest alerting the authorities to this attempted fraud that I fear may negatively impact my impeccable credit. Meanwhile, Wells Fargo continues to demonstrate poor treatment of their consumers and unfair business practices.
Product: Vehicle loan or lease

I have been in and out of work due to XXXX XXXX XXXX XXXX XXXX and I keep reaching out to this company Penfed financial which have me to fill out a hardship form but keeps denying me help and telling me that the payment has to be current if that is possible why would I need to ask for assistance if Im able to have my bill current last year I was talked to so ugly by one of the employees over the phone that I really wanted to just let them have the car but I need a way back and forth to work when I was upset about the way the guy talked I threatened to get a lawyer he told me you cant even afford to pay your car note how you going to pay a lawyer just give the car up lady so I had to hang up and call back just to talk to somebody who was very respectful I just XXXX XXXX XXXX last month which cause XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reach out to them have me fill out the hardship form dont get back with me then send a email saying it was denied they ask how do you want to communicate email or phone I say email because I can have proof in writing they call and at time I can not pick up the phone I caught the payments up during tax season and got back behind when I was taking out of work with the XXXXXXXX XXXX  and I have been monitoring my account the balance is still {$14000.00} since XXXX has not changed and there have been small payments to my account it just got behind then XX/XX/XXXX has not came yet they put XXXX payment on there already as if XXXX 2 months behind I am so ready to get rid of this company unsatisfactory service I hate I refinanced my car with this company note my payment was ahead in XXXX this is when I caught the payment up after XXXX I made small payments and the balance never changed and its not cause of late fees I was paying those when I was struggling making small payments on the car loan and the return check fees all those was paid up when I caught the bill up in XXXX
Product: Debt collection

We rented an apartment from the XXXX ( located XXXX, OK XXXX ) from XXXX XXXX to XXXX XXXX. The lease converted to a month to month agreement. In XXXX XXXX, we ended our lease after finding a larger place for our family. Over time, we decided to review our credit reports in hopes to find a home. We noticed a collection agency ( called NCC Business Services ) claiming we owed a debt of {$900.00} under a joint account. XXXX of XXXX we contacted the XXXX and spoke to an agent named XXXX who verified a cleaning fee was due in the amount of {$780.00}. I asked why documentation was never mailed to us giving us an opportunity to pay on the bill and the breakdown of the cleaning fees. The agent claims she did not work at the apartment complex during the time of the ending of our lease and was unable to provide proof of the breakdown of charges. She advised she would forward the information to corporate and will have them send the breakdown of charges to our current address ( the same forwarding address left on file ). To this date we have yet to receive any documentation from the corporate office or a phone number where they can be reached. The collection agency still shows this entry as being an active open account on our credit reports which we feel is quite unfair since we 've never been informed a bill was owed in the first place. We feel since the apartment complex, their corporate office, or the collection agency are unable to provide any documented proof of these charges, we would request this debt be removed from our reports asap.
Product: Credit reporting or other personal consumer reports

I have made multiple efforts to resolve the issue of false, incorrect, and misleading data on my consumer report, but the problem persists. These entries have severely affected my life, causing considerable distress. I emphasize that I never authorized this information to be linked to my name, as I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

This was my follow up for my issue that I recently forwarded to you. Again, it has come to my attention that there has been a compromise regarding my credit with your institution. I have been made aware that despite being accompanied by an FTC report # XXXX, you have neglected to remove certain items. It is imperative to emphasize that under section 605b of the FCRA, you are legally obligated to expunge accounts determined to have been opened through fraudulent means. The disputed accounts in question were initiated without my authorization. Enclosed herewith is the requisite FTC Report bearing reference # XXXX. I urge you to promptly eradicate these accounts. Failure to furnish records and insistence on the validity of these items will compel me to pursue legal action. Neither I nor my legal representative tolerate any form of subterfuge. Therefore, I implore you to adhere to the stipulations of the law for the swift resolution of this matter. Kindly remove the disputed items, as they were unauthorized and contravene Section 605B of the Fair Credit Reporting Act : XXXX : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2024 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$2000.00} XXXX : XXXX XXXX Balance : {$0.00} ======TRANSUNION : XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

I called XXXX XXXX to inform them of my identity theft and they have not changed it or anything to help me get this off my credit report as it was a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and noticed LVNV reporting a collection I am beyond frustrated that LVNV Funding is reporting this account. Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice that I REFUSE TO PAY and for you to CEASE all further communications with me.
Product: Checking or savings account

On XX/XX/19 I purchased a gift card in the amount of XXXX from XXXXXXXX to XXXX XXXX. That is the only transaction I authorized. 

On XX/XX/19 I checked my online banking and to my dismay I fount 3 additional transactions to the same company in the amounts of {$600.00}, {$140.00}, and {$150.00} I contacted Bank of America to advise them of the unauthorized amounts. They advised me to start a dispute online. 

I made an error in selection for the reason for the dispute when doing this online. I called bank of America again to notify them of the error and to ask them to take the dispute over the phone. I also needed to add to the dispute that the initial {$250.00} because I had not received the emailed gift card that I had ordered. The website XXXX states that the gift card would be emailed electronically instantly. 

I made multiple attempts to contact XXXX at the telephone number they provide on their website, as well as wrote to them in a comment box that is on their website. I haven't heard back from them to this day. 

Bank of America approved 2 of the disputed transactions. One for XXXX and one for XXXX. 

The remaining 2 transactions have not been approved, and in the mean time, I have had payments come out of my account that are overdrawing my account because of these unauthorized transactions, and I am being charged NSF Item fees for these transactions.
Product: Debt collection

Portfolio Recovery has been and continues to attempt to collect monies from me that I do not owe. I have never had an account with the company they are representing and I have also signed an affidavit of fraud as they requested. This negative reporting on my credit report is causing great damage and I want this matter corrected as soon as possible.
Product: Debt collection

XXXX  XXXX XXXX illegally charged billions of students inaccurate loan amounts and was found guilt of doing so in a class action lawsuit. Due to the fraudulent nature of these accounts they have been discharged. I need this fraud removed today!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with Equifax. All my collection accounts have been pulled out XXXX XXXX status and was added to charge off account. I send in a dispute to Equifax and I keep getting the same status stating that information is accurate and the accounts are still showing charge off accounts, but each time I put in a dispute it comes back stating the same thing charge off and Equifax is deducting points off my credit score. I am trying to get my credit report straight, but I can not get it straight like this if every time I put in a dispute and they send it back with the same status and deduction from my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, i filed an online dispute for a late payment against the credit card company XXXX XXXX XXXX. Not only did Experian fail to properly investigate the late payment, but they also failed to properly notify the company of the reason of the dispute. XXXX XXXX XXXX  is inaccurately report on my credit report wrong information. Experian failed to do an proper investigation which usually takes 30-45 days. My results were updated but Experian failed to tell me what exactly was update lack of information on their part in a dispute that should have fixed a blatant error.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 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. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports