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

Please provide actual proof of verification and actual proof that your company is following all applicable federal and state law regulations on the account listed below Because I don't believe you are from looking at the account history from last payments dates balances reporting it's not 100 % accurate and I feel like it does not meet the Fair credit reporting act section 611.

I clearly highlighted the reporting errors and if you do not send in proof that you are following the laws then I will have to seek legal action. 

Send in all actual proof you are XXXX XXXX XXXX Account name XXXX Account XXXX
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 FOR 30 DAYS LATE? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Payday loan, title loan, or personal loan

Midwest Recovery Systems reported a debt from a payday loan i have no knowledge of. When asked to provide a copy of the contract, none provided, I have never had an account with Midwest Recovery, nor XXXX XXXX, this account appears on my credit reports, XXXX, and XXXX. Midwest Recovery violated FCRA, and refused to validate this debt and continue to report this debt,
Product: Credit reporting, credit repair services, or other personal consumer reports

Tidewater finance report my account late 3time and I have a proof for automatic withdrawal and history of payment since 2017 !!I field dispute with XXXX and no respond called tide water they don’t wanna give a good reason !one of the agent told to call the cops and he hanged up on me !need help plzMy score dropped since they put those late payments on my credit report !I need your help or my final step to call a lawyer .thank you
Product: Credit card or prepaid card

I was incorrectly charged a fee of XXXX on XX/XX/XXXX and again on XX/XX/XXXX at an atm machine listed as a XXXX atm for amex bluebird card. There should be no fee for such atm listings. I have tried on numerous occasions to view updated website listing and webpage has been inactive. All previous months this charge has been reversed when i called in. This month webpage still not working to locate different nearby location. Rep refused to reimburse claimed no longer on no charge list yet website still unavailable. Requested XXXX reimburse for 2 charges.
Product: Debt collection

To whom it may concern : 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. 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, ACCOUNT : XXXX XXXX ACCOUNT XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT ; XXXX XXXX XXXX ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and found improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account Name : 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, 2022, there was an attempt to take money from my bank account via ACH for a loan payment to Lendumo db for the amount of {$310.00}. The payment was returned as NSF. 

I did not take any loan from this company. In doing my research, I discovered this was a payday loan company. I did not ever sign any sort of loan documents, did not ever request a payday loan from this company, did not receive any loan proceeds from this company. 

Now they keep attempting to collect money from me. They call me, send me harrassing emails, etc. I have also filed a police report on this fraud.
Product: Credit card or prepaid card

RE : XXXX I applied on XX/XX/XXXX for a bank of america cash back credit card that I personally received an exclusive offer online after logging into my account. They were extending an offer that included the benefits below along with {$150.00} additional cash back for applying. Currently, I have a bank of america card without any reward or membership benefits attached. 

On XX/XX/XXXX I received a letter from back of america in the mail stating my application was denied due to : Sufficient utilization of your available credit one or more of your deposit accounts with us/or our affiliates were overdrawn limited deposit and/or investment balances with us and/or our affiliates None of the above reasons is applicable to my credit history or banking relations, I do have available credit in my current cards as I don't abuse, never had an overdrawn account there is enough assets in my account and finally I use bank of america as my primary back, with other banks I have a relationship that has sufficient cash flow unrelated to bank of america. 

I have received an letter that does not apply to my current status and feel that bank of america is abusive to their client with giving them offers and withdrawing without truth to their statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

It looks like the Experian website has been hacked for my personal information. A " reset email '' is someone else 's email and not mine. I tried calling Experian and get an automated answering machine. I can't get into the account because although it resets my password, then the new password does not work. I see this as a major issue with Experian because someone has access to my credit information and it isn't me. Can you get Experian to contact me? This is horrible.
Product: Checking or savings account

I have several issues : ( 1 ) I have been charged by the bank some time since 2015 until today of $ XXXX monthly fee. I spoke to bank manager in XXXX branch by upper west side and I was supposed to get problem fixed. It 's not fixed yet and I continue to incur such loss. 

( 2 ) I make payments on time. I want ALL INTEREST AND LATE FEES to be refunded, OR give me documentation, so I will go to court ( 3 ) I am charged money for XXXX XXXX & for some company named XXXX. I want to have those fees refunded from time of initiation of charge until today. I do n't affilitate with them and did not ask to charge me. If you do n't comply, give me documentation for all these fees, so I will beat them in Civil Court ( 4 ) I want all international transaction fees to be refunded, if any. Give me all transactions, so I will beat in Civil Court.
Product: Checking or savings account

This complaint relates to my complaint # XXXX. 

As of today, XX/XX/2018, Bank of the West still has not returned my personal check to me. To recap, Bank of the West refused to cash a check I deposited in the ATM that was made out to my minor child and properly endorsed by me her parent. Then, Bank of the West lost the check. 

They claimed to have mailed a " legal tender '' check to me - whatever that means. Allegedly, a copy of my check. But I have not received it. They claim to have sent this " legal tender '' check to me on XX/XX/2018, but here it is XX/XX/2018 and I still have not received it. 

I don't believe they have mailed the check. I think they are so incompetent that they don't know where my check is. 

This is a check drawn on XXXX XXXX XXXX XXXX and made out to my minor child. 

They are hands down the worst bank I've ever dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS XXXX LOANS LIST ON MY XXXX AND EXPERIAN AND  ONLY XXXX LIST ON MY XXXX REPORT. REPORT THAT ARE DUPLICATE LOANS. THEY ARE LISTED WITH XXXX AND BENEFICIAL. THE XXXX WITH XXXX XXXX ARE OK I HAVE DISPUTE THE LOANS WITH XXXX ON XXXX XXXX AND ON XXXX THEY CONCLUDE THAT THE ACCOUNT WERE VERIFIED AS ACCURATE AND HAVE BEEN UPDATED TO REFLECT RECENT ACTIVITY BUT HAVE NOT PROVIDED NO DOCUMENTATION OR EVIDENCE. I HAVE BEEN DISPUTING THIS ISSUE SINCE XXXX XXXX AND CONTINUE TO BE DENIED. MY NEXT STEP IS TO START LIGITATIONM AGAINST ALL THREE CREDIT BUREAU.
Product: Checking or savings account

I have a checking account with Randolph Brooks Federal Credit Union and also an auto loan with them. I was behind on my payment because I lost my job and have been struggling on making payments and buying groceries and pay for utilities. Today I received a deposit and the bank automatically without my consent or permission withdrew {$1800.00} from my account. They did not provide me with notice and that has left me and my family without funds for groceries and utilities for this month.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries under FCRA 15 USC 1681c-605 ( b ) To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries appearing on my credit report. These inquiries do not have a permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681b, and therefore should be removed immediately in accordance with 15 USC 1681c-605 ( b ). 



The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these entities to access my credit report, nor did I initiate any transaction or provide consent for these inquiries. Under the FCRA, consumer reporting agencies are prohibited from including obsolete or unauthorized information on credit reports. 



Please investigate and remove these inquiries promptly. I request written confirmation of the resolution of this matter. Additionally, I ask that you provide the name and contact information of the entities that initiated the inquiries, as this information will assist me in protecting my credit and identity. 



Attached Documents Required I trust this matter will be resolved promptly. Please confirm receipt of this and provide an update within the statutory XXXX period. 



Thank you for your attention to this urgent matter. 



Sincerely, XXXX XXXX
Product: Mortgage

LoanCare in XXXX  XXXX, a loan company and collection agency, bought the paper for my mortgage. I became one month late when I tried to change companies after a problem with them demanding I pay taxes. I am a XXXX XXXX XXXX veteran and do not pay taxes. I paid the delinquent month last summer. However, the money was not applied to my mortgage and the only answer I could get from them was that it went to fees. 

Now, seven months later and with a poor credit rating, I was finally told that last summer my monthly payment was increased by {$37.00} which I was never told. And, LoanCare does not accept partial payments. So, they put my mortgage payment into a Suspense Acct and began using it to pay late fees. I was never told it was a partial payment. I would have happily sent them the additional {$37.00}. 

I believe this is a deceptive business practice from a loan and collection company to collect additional monies. Now, my credit rating is too poor to change to an ethical mortgage company. Also, although I am now current, LoanCare is telling me I owe more than {$300.00} for escrow. When I spoke with a representative last XX/XX/XXXX, he said I was {$130.00} short in escrow. So, I sent them the {$130.00}. I am in great hopes you will investigate this company and take the appropriate action to deny them the ability to purchase mortgages from XXXX veterans on fixed incomes. Thank you. 
XXXX XXXX
Product: Checking or savings account

{$460000.00} dollar CD matured on XX/XX/2023. XX/XX/2023 I requested that Synchrony bank close CD and transfer funds to my linked external account by wire transfer. Bank has not closed account as of XX/XX/2023 and bank representative states that closure of the account takes 5-7 business days and that it takes another 7 days to transfer funds after they get around to closing the account. Bank associate also stated that I could talk to another supervisor and that i would be wasting my time because they would give me the same answer. Poor custoner service. Unacceptable!!!
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX SS Number : XXXX My name is XXXX XXXX and I am writing you about my account which I have posted above. When I firs got this credit card, I was very irresponsible and did not do my best to pay on time. The effect on late payments on my credit report has truly been a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles. 

We are about to shop for a mortgage, and it has come to my attention that the late notations with you may preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with you, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption with your company, and I beg you for such consideration. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused XXXX XXXX to my XXXX, my XXXX my mode of living and to my XXXX! I demand the late payment reported in XXXX days to be removed. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a XXXX  to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A XXXX may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the XXXX  has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is XXXXXXXX XXXX XXXX and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit card or prepaid card

Capitalone closed my account three times. The reason they provided is " We have observed activity on a past or present capital one account that is not consistent with our expectations of usage for commercial or small business purposes. '' " We have observed activity on a past or present capital one account that is not consistent with our expectations of usage for personal, family or household purposes. '' " We have observed activity on a past or present capital one account that is not consistent with our expectations of usage for personal, family or household purposes. '' I do not understand what that means. 
Why capital one approve credit cards and gives limit of XXXX I never crossed my limits. I paid all credit card on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found a number of erroneous reports tried to dispute each. No action taken by reporting agencies ( XXXX, XXXX, and TransUnion ). 

Erroneous report # 1 and # 2 XXXX XXXX XXXX XXXX Was a victim of Identity Theft. XXXX had to completely fix account after giving unauthorized access to another person posing as me. XXXX XXXX XXXX was made aware of the issue and still demanded payment of fraudulent transactions or face legal actions. 

Erroneous Report # XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX Demands repayment of illegally charged fees as well as collection fees. Amount actually used legally was paid on time. however I disputed the fees posted to my Account by XXXX XXXX asking for my signed copy of the agreement which was not provided. Within a day of the dispute XXXX XXXX immediately closed and sent the illegal debt to in-house collections and within 20 days sold the debt to multiple collection agencies. XXXX XXXX remains as the sole owner of the fraudulent debt. 

Erroneous Report # XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX refuses to allow dispute of this record.
Product: Mortgage

I lost {$30000.00} in wages earlier this year and requested a loan modification with my mortgage company, Wells Fargo. It took them almost 5 months to process this request and get approved. They dropped my monthly payment by {$20.00} dollars which obviously was not enough so I could not make my trial payments and still could n't afford the payments. When I got back into a position where I was making more money I contacted Wells Fargo again and informed them of this and asked what I could do to bring the loan current. I was told I had 30 days to come up with {$10000.00} or they would foreclose on the house. I contact our State 's department of Finance who contacted them on my behalf. I received a letter from them on XX/XX/XXXX that they were going to see what they could do to help me. The very next day I was served with Foreclosure papers. That had been filed with the court on XX/XX/XXXX to be served the day the money was due. So they continued on with the Foreclosure process although they had told me they would give me the 30 days to come up with the money. Upon receiving the foreclosure court documents I contact them again at the executive branch number that was given to me when I was contacted about the state department of finance contacting them. I spoke to one representative who was not helpful and could not tell me what was going on with my case but took down info and assured me my case worker would call me that same day as it was my only day off. I received No phone call. I called again on XX/XX/XXXX and left him a voicemail with name, best number to reach me at, and that I would appreciate him calling me back before XXXX as that is when I needed to leave for work. I have provided a more detailed account of my issues with Wells Fargo in the supporting documents
Product: Debt collection

This was traffic ticket fine. By the time they added there interest it was almost XXXX $ I set up a contract but if something happens like an earth quack or no money because I live on SS they default you then have to pay another set up fee and then they add there 12 % interest again on what's owed so I'm back at square one. I have paid on this fine for years. They are holding my drivers license. I'm XXXX I live out in the country with no bus and I can't get my license. I had tried when Yakima had a fine forgiveness going on to get my debt out of collections but they refuse to work with me. I can't afford the extra bill. but I need my license. They do not even try to work with me. I have paid this fine 4 times over but it is still not paid. I believe it started out as the fine was maybe XXXX $ but with there interest it became XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer report from XXXX XXXX Equifax and found that it contains inaccurate and unauthorized information 16 CFR 603.2 ( a ). 

All three are reporting credit information on my consumer report that I never consented to having furnished, in violation of 15 USC 1681a ( 2 ) ( B ). 


Alll three are reporting credit information on my consumer report that I never consented to having furnished, in violation of 15 USC 1681a ( 2 ) ( B ). 

Under 15 USC 1681a ( 2 ) ( B ), a consumer reporting agency is prohibited from including any information in a consumer report unless the consumer has given consent. 

I have not given any consent, written or otherwise, for the inclusion of the disputed information on my consumer report. 

The unauthorized reporting of this information is causing significant harm to my creditworthiness and financial standing.
Product: Money transfer, virtual currency, or money service

Venmo locked my account randomly and is refusing to let me take my balance out of close the account. No reason was given for why the account was locked, and Support was not helpful at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my report, I noticed fraudulent information was posted on my file. I am a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report immediately.
Product: Money transfer, virtual currency, or money service

I recently lost everything I owned. This fact also means any communication methods including computer or mobile device like my former cell phone I no longer posses. I can not login to an account with the email address of my personal reference source to allow me a method of communication for personal private social or business events. My former email address I selected for business use XXXX I can no longer use. I can not because the cellphone I used it own is destroyed and methodology to validate account ownership is entirely associated with this phone 's cell phone number through email address associated. Cash App format is difficult for my comprehension because website on computer efforts is very strange to me. I do not understand how the process or formulation from the outside may produce result like adding money then transfering into individual accounts on the App until procceses are completed. Also I need need password