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

Just got off the phone with Equifax after several failed attempts to get them to correct information on one account and remove another because of the date of the first major delinquency. Account Issue Number 1 -XXXX ( Loan Paid/close but reported as open ) I paid off XXXX on XXXX XXXX, XXXX. When a mont later Equifax was still reporting the loan open with a balance due of approximately {$14000.00} i I filed a dispute. On XXXX XXXX, XXXX they sent me a report saying they " verified '' the debt. In fact the report they sent # XXXX states the creditor reported {$13000.00} due XXXX XXXX, XXXX and thereafter reported " no data '' in XXXX and XXXX. So there was NO VERIFICATION. XXXX reports the loan as paid. Account Issue # 2 XXXX XXXX ( First Delinquency over 7 years ago ) I have asked Equifax to remove this old account several times. XXXX XXXX confirms that the loan is " old '' under FCRA rules but says its up the Equifax to remove.
Product: Student loan

Why is this payment not entered into my payments on my account? What did you do with it? The bank did not reverse it and this caused me to have higher interest and more to pay so I just sent a XXXX payment that I did not owe as interest. You need to get this fixed now and stop cheating me. 
Payment Confirmation Thank you for your payment. This email confirms that your payment request was submitted to MOHELA for processing. 
Payment made on : XX/XX/2024 Confirmation # : XXXX Payment Amount : XXXX Payment Effective Date : XX/XX/2024 This email confirms a payment has been scheduled and is not confirmation that your payment has successfully processed. It may take 2-3 business days from the Payment Effective Date to post to your account. Please visit mohela.com to confirm the status of your payment or manage your account. 
If you have any questions regarding your account, please contact us. 
Sincerely, MOHELA
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, drivers license, and W2 for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.
Product: Debt collection

Repetitive phone calls from multiple phone numbers same company. Also rude and disrespectful over phone.
Product: Bank account or service

I have been a customer with Wells Fargo for nearly 20 years -- we have our checking, savings, credit card and mortgage accounts with them. In XXXX I called Wells Fargo XXXX Customer Service and asked them if there would be any issue depositing a check from a XXXX bank ( in XXXX XXXX ) into my Wells Fargo checking account. I was told that there would be no issue as long as the check was taken inside a branch and the deposit was made with a teller. Based on this information, I requested the check from the company in XXXX and paid for it to be send via XXXX to me. Upon receipt of the XXXX XXXX check ( approximately {$1200.00} USD ) on XXXX XXXX, I went to my local bank branch and was able to deposit the check without any problem after the service manager gave her approval on the back of the check. The funds remained in my checking account until XXXX XXXX when after checking my account online, I found that the funds had been removed from my account and the check was returned to me along with a letter explaining that it was Wells Fargo 's policy since XXXX 2014 to not accept checks from XXXX banks for immediate deposit. The letter explained that it had to go through a collections process to recover the funds which could take between 4-10 weeks. To ensure that I had not heard the XXXX customer service representative incorrectly, I called them again and asked the same question -- I was told the same answer : there would be no issue as long as the check was taken inside a branch and the deposit was made with a teller. At no point was I told that it was Wells Fargo 's policy to not accept foreign checks for immediate deposit and at no point did they point out that the check would have to go through a multi-week collections process before the funds would be deposited into my account. Unfortunately, after repeated calls to the Branch Service Manager and the Branch Manager, they were not willing to fix the mistake that they had made. At no point did I bounce any checks or overdraw my account, but as a long-term loyal customer of Wells Fargo, I am not being treated fairly.
Product: Debt collection

I have a unverified account from XXXX XXXX / XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX XXXX / XXXX  Cease and Desist all further communications. XXXX XXXX / XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against XXXX XXXX / XXXX  with the Federal Trade Commission, the Attorney General of both their state and mine, and also their own company management. I also have the right to file suit against them for any future violations of this law. I will record any and all phone calls if they fail to comply with this CEASE AND DESIST.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have New AND UPDATED INFORMATION ABOUT EXPERIAN. 
EXPERIAN RESPONDED SAYING THEY WOULD REINVESTIGATE WITH THE FURNISHERS AS I REQUESTED, WHEN THAT IS NOT THE INFORMATION I AM REQUESTING, I AM REQUESTING PROOF OF THE INVESTIGATION THEY COMPLETED BEFORE ALLOWING THE FURNISHERS TO FURNISH INACCURATE INFORMATION ON MY CONSUMER REPORT, INCLUDING EVERY PERSON YOU INVESTIGATED WITH ALONG WITH THE INFORMATION I REQUESTED IN THE RESOLUTION AREA. 
I CALLED EXPERIAN TODAY TO SPEAK WITH SOMEONE REGUARDING THE DISPUTE ( XXXX EXPERIAN REPRESENTAIVE ) TRANSFERRED ME TO A SUPERVISOR BECAUSE SHE WAS UNSURE WHAT TO DO, THE SUPERVISOR GOT ON THE LINE, I ASKED IF HE CAN EMAIL THE TEAM THAT HANDLES THE DISPUTE HE SAID HE DOESNT HAVE ACCESS. I WAS NOT ABLE TO REACH SOMEONE THAT CAN CONTACT THE BACK TEAM TO GIVE THEM THE CORRECT INFORMATION AND WAS TOLD BY THE SUPERVISOR THE ONLY WAY TO CONTACT A BACK TEAM REPRESENTATIVE WAS TO FILE A CFPB COMPLAINT OR MAIL.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and XXXX has inaccurately reported a fraudulent collection account from AMSHER COLLECTION SERV ( Original Creditor XXXX XXXX XXXX  ) on my credit report. I have never opened or authorized this account, and it was added without my knowledge. 

I have already submitted an FTC Identity Theft Report, which legally requires XXXX to block and remove this account within 4 business days under FCRA 605B ( 15 U.S.C. 1681c-2 ). Despite my formal dispute, XXXX has failed to remove this account, violating my consumer rights. 

Additionally, under FCRA 1681i, XXXX is required to conduct a proper investigation. Given the CFPBs lawsuit against XXXX ( XX/XX/year> ) for failing to investigate disputes properly, I demand that XXXX take immediate corrective action. 

Requested Resolution : Immediately remove the fraudulent AMSHER COLLECTION SERV account from my credit report Provide written confirmation of its deletion within the legally required time frame Ensure XXXX is compliant with FCRA 605B and 1681i Failure to resolve this matter will result in further escalation with CFPB, FTC, and legal authorities.
Product: Credit reporting or other personal consumer reports

I did not Authorize this hard inquiry in my credit report and I have been doing research the FCRA ( fair credit reporting act ) this need to be removed. 
Institution Information XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

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

I had fraudulent charges and was told not to make a payment until my account was credited I have a excellent on time payment I contacted Wells Fargo and was told to disputed thru the credit company and that did not change anything I call Well Fargo back and was told that they can not pull any info on account because it was already closed I paid off the account In Full I also bank with Wells Fargo
Product: Debt collection

I'm filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) about AMSHERCOLLECTIONSERVICES. They haven't provided the information I requested regarding an alleged debt, and their actions have negatively impacted my reputation.
Product: Credit card or prepaid card

I have had a Zale 's store charge card for about one years. The first balance was to be paid off in 12 months without interest. Zale 's set the minim per month to below the 12 month payoff amount, so they can charge back interest, not off on time. I charge some other items that should payoff in 3 years. Now I just found out that if I do n't pay almost 3 times the minim each and every month, This balance will not be paid off They tell me it is up to me to make sure I do the math and divide the balance and make sure I am paying enough. So My complaint is they need to be up front on their billing and change their billing practice to make sure you know how much to pay each month, and change the minimum payment to so the consumer is not caught off guard thinking they will have the balance paid off on time. This is a SCAM for all Zale 's customers. Please look into this. thanks XXXX
Product: Credit reporting or other personal consumer reports

It appears that the Company Harvard Collection Services , LLC have obtained this account as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW 9.35.020. The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the GLBA. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud. You are now hereby notified of the following : Upon discovering FRAUD associated with the contract between the consumer and the original creditor ; the contract is no longer enforceable and is now VOID on its face. As a result, ANY and ALL consent to possess, use and share private information obtained by, through or from that contracted original creditor is now REVOKED, TERMINATED, CANCELED and RESCINDED pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

COVID-19 arrived. I wrote a nice letter to Bank of America in XXXX of 2020, requesting a 3-month forbearance of payments, interest, and late fees on my XXXX XXXX XXXX credit card. 

They are still charging my account for payments, interest, and late charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. states " I have the right to PRIVACY '' 15 U.S.C 1681 section 604 A. section 2 : It also states " a consumer reporting agency can not furnish an account without my written instructions '' 15 U.S.C 166b " a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS : Except as provided in paragraph, the term consumer report does not include -- ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not unfreeze equifax credit report to refinance home. Website says to call, call and can't reach a live person, automated system asks questions about things that I don't have so it says to fax in proof of identity. No response from equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Companies pulled my credit file fraudulently and cause false Inquiries on my credit report account. I have contacted these Individual companies personally and ask them to contact the reporting agency and remove the Inquiries. XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX via XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX , XXXX , XXXX, Experian
Product: Credit reporting or other personal consumer reports

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

In 2015 I opened an account with XXXX for my little sister, which was all fine. 
My little sister then went in to the XXXX location and opens up additional lines, and was also allowed to lease additional phones in my name with out my permition and XXXX allowed her to sign contracts linked to my account with out contacting me or a signature from me. 

I had no inclination of the addition lines and phones until receiving a collections letter in the mail from SOURCE RECEIVABLES MANAGEMENT So I called the professional debt collectors I was connected to a representative by the name of XXXX our conversation was not going in a professional manner, so I asked XXXX if I could speak to a supervisor XXXX then told me just because I wanted to speak to a supervisor didnt mean I get too, I then asked her if that was their policy, and how they normally treated customers? XXXX informed me that that it would be my credit that would be damaged not hers, and told me she was terminating the call and hung up the phone.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally dispute the presence of several fraudulent accounts currently reported on my credit report. These accounts were not opened by me and are the result of identity theft following the well-documented data breach at Equifax. 

The details of the fraudulent accounts are as follows : Creditor Name : XXXX XXXX XXXX Creditor Name : XXXX Creditor Name : XXXX XXXX Creditor Name : XXXX XXXX XXXX Creditor Name : XXXX XXXX Creditor Name : XXXX  According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. Given that these accounts were fraudulently opened without my knowledge or consent, I am invoking my rights under the FCRA to dispute these accounts for the following reasons : Inaccuracy : The accounts listed do not belong to me, and I have never had any dealings with these creditors. 
Identity Theft : These accounts were opened fraudulently using my personal information obtained through the Equifax data breach. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2016, the company XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) charged my Chase credit card ending in XXXX a charge of XXXX. This charge was unauthorized and I disputed this charge with Chase. However Chase ruled in the favor of the merchant and refused to credit me this amount. 

XXXX XXXX XXXX was contracted by me to perform pool resurfacing for XXXX of my properties. The contract was written that I would pay 50 % deposit, with the remaining balance due at job completion. I used my Chase credit card ending in XXXX to pay for the 50 % deposit. However I never agreed to or authorized the merchant to charge this credit card for the remaining balance. At the time of the 50 % deposit payment, I was never informed by the merchant that they would put the remaining 50 % balance on this credit card. I authorized the first payment of {$1600.00}, but not the second payment. 

After I initiated a dispute with Chase, XXXX XXXX XXXX provided paperwork that showed that the charge of {$1600.00} was manually keyed in. I was never contacted or informed of this charge. I never authorized this charge. I assumed that XXXX XXXX XXXX wrote down or kept my credit card numbers from the first charge, and keyed this in manually without my authorization or awareness. This was a shady business practice by XXXX XXXX XXXX and should not be endorsed by Chase. 

I was dissatisfied with the service provided by XXXX XXXX XXXX and disputed this charge on the basis that I never authorized the second credit card charge. Chase ignored the fact that XXXX XXXX XXXX should never stored my credit card information and charged it without my authorization, and ruled in XXXX XXXX XXXX 's favor. 

Chase, as the credit card issuer, did not protect my right when a merchant charged my card clearly without my authorization. Chase should not judge a dispute based on the language in a service contract, the quality of the service, or whether or not who needs to pay whom. That type of judgement should be reserved for courts and judges. Chase should judge a credit card dispute based on credit card rules and regulations, whether a charge is authorized by the credit card holder, and whether a merchant abide by laws when handling credit card information. 

The ideal resolution to this issue is that the money is credited back to my account because I did not authorize this charge. This type of unethical practice by XXXX XXXX XXXX should be exposed and penalized, not condoned by Chase or anyone.
Product: Credit reporting or other personal consumer reports

In 2017 a credit card was opened fraudulently in my name with XXXX XXXX. When I finally realized this account, it was completely maxed out and reporting as a charged off account. This was and still is hurting my credit score with all 3 major credit bureaus. I have been disputing this account with XXXX XXXX since then with no luck even with a police report that I provided to them and added to my credit file with XXXX, Experian, and XXXX as well as a fraud alert for future security so that creditors and I can make sure that it is in fact me applying for credit. Recently, I opened a credit card financed thru XXXX XXXX, went thru the verification process identifying myself with security questions and was approved. One month after, I tried using that card and was declined. When I called to ask why my card was not working, a rep told me that my card was completely closed due to identity theft. After being transferred to over 5 different people, I was told that this card was opened fraudulently and they would not reopen this account. I explained what happened to me in 2017 when an account was actually opened fraudulently and this was a mistake because I went thru the steps to identity myself to attain this card. XXXX XXXX said there was nothing they could do but now I am blocked from ever getting approved financed from them going forward. The actual fraudulent credit card is still reporting negatively. They closed a legitimate card for no reason however kept reporting the fraudulent card. I have had a mortgage account in excellent status for over 12 years and was a part of the class action suit XXXX XXXX was involved in regarding their employees opening fake accounts so this is unbelievable to me. Remove this account immediately from my credit file!