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

XXXX XXXX was in fact contacted and sent multiple police reports in XXXX, XXXX of XXXX along with same information to Experian. The account was charged without my permission by unauthorized user. The account was closed and I was informed in XXXX an investigation would take place and my credit would NOT be affected. This has not been the case. For over a year this is still appearing as negative on Experian report. I contacted XXXX in XXXX, XXXX and spoke with XXXX in collections and he informed me that if I paid XXXX XXXX would send a reversal of late payments for multiple months and Experian report would only show paid in full and closed. It is now showing paid, charge off closed and over a year of charge off. XXXX  has never sent investigation of unauthorized use and the XXXX XXXX was sold to XXXX XXXX. I have disputed called complained. The unauthorized user has never been located. My Experian report is pristene all accounts paid on time and mortgage of XXXX paid off in 3 years there is no way Id let a XXXX bill ruin my credit. My other two reports are good. I just want XXXX XXXX updated to reverse all charge off and lates as promised and Experian to investigate properly. I filed a XXXX complaint against Experian as well for reporting inaccurate and erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following XXXX credit card accounts are fraudulent and unauthorized : XXXX and XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX Bank XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX, XX/XX/XXXX.
Product: Mortgage

I have been working with US Bank and its representatives, XXXX XXXX NMLS # XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX since early XXXX. They have been unresponsive throughout the process - extending the closing twice, first from XX/XX/XXXX then to XX/XX/XXXX. As of today, XX/XX/XXXX, the loan hasn't closed and despite multiple calls and emails over the last weeks, I have yet to receive a response. 

Now, since they're not funding the loan ( which is fine with me ), they're not sending a denial letter. This is problematic on two fronts : Firstly, without a denial, I can not receive my earnest money. So, US Bank is ipso facto holding my earnest money hostage by their laziness and incompetence. Secondly, the seller is angry, not only because of the deal falling through - despite no reasoning from US Bank- but THEY can't relist the property with earnest money on the table from this deal.

I would kindly ask that Mr. XXXX and his associates as well as US Bank be censured for their lack of attention to their duty - and for holding my earnest money ransom for no apparent reasoning whatsoever. Please give me my money back! Send the denial letter!
Product: Debt collection

I called the XXXX XXXX number, which comes up as XXXX and no human being answered me. they call me every day on my work phone and it's always a robot claiming they're calling about debt collection but won't name anyone who actually owes everything. This distracts me from doing my job and it's every day, they even leave robotic voicemails.
Product: Credit reporting or other personal consumer reports

By 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.

The accounts below have violated my rights. 
XXXX XXXX XXXXXXXX XXXX # REF : XXXX 15 U.S.C 1681 section 602A. 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 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 ) ( a ) 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

XXXX XXXX XXXX XXXX  reported a collection on XX/XX/XXXX amounting to {$12000.00}, then sold of the debt to a collection agency as a charge off with an amount owed of {$7500.00} balance as of XX/XX/XXXX. This account was closed off with a balance that still affects my credit score. I have reported the account as Identity theft to the police department and the FTC
Product: Payday loan, title loan, or personal loan

Wells Fargo customers recently received a notice stating that it will close all Personal Lines of Credit effective XX/XX/2021. 

As is common, these Personal Lines of Credit are typically used to provide overdraft protection, for consumers, at a much lower cost than other options. With the termination of these accounts the remaining options will be either 1 ) Pay an overdraft fee of {$35.00} per item, 2 ) open a Savings account ( and pay any associated fees ) to serve as overdraft protection and to pay a {$12.00} fee per transfer or 3 ) Open a Credit Card account and tie it to serve as overdraft protection and pay the Cash Advance fee plus a much higher interest rate.

The closing of these Personal Lines of Credit may be within the terms and conditions of the account, but Wells Fargo is unable to provide me with a copy of the account agreement despite multiple requests.
While most banks are making the effort to make it easier and less costly when an account has a temporary need for additional funds, Wells Fargo seems to be moving in the opposite direction and removing options and making it more costly when this occurs. These actions will certainly help Wells Fargo increase fee income while removing options for consumers to prevent overdrafts on their accounts.

In addition, the notice from Wells Fargo states that they will show these accounts as Closed by the Bank which will likely have a negative impact on the credit score of
consumers. This negative impact seems like a terribly unfair and deceptive way to treat long time clients who have handled their accounts responsibly for many years.

This just seems to be one more harmful act and unfair way that Wells Fargo is treating its customers who have supported it for over 40 years.
Product: Credit card

I received an alert through XXXX through XXXX that a credit card that has been open since XXXX  2023 was XXXX XXXX over the credit limit. It was issued from CBNA and Wayfair. I called Citi to open an investigation, yet they could not answer why a credit card was issued in my name and SSN, but with a different address, phone number, and driver 's license that what it's on my Citi profile, where I have a bank account. I don't know why an investigation could take XXXX  days and negatively affect my credit score in the mean time.
Product: Credit reporting or other personal consumer reports

I am making a compliant against chexsystems regarding dispute comments on account XXXX  XXXX XXXX, I request that the dispute comments be removed off my consumer report because I no longer am dispute with chexsystems and the investigation is already finished. When an investigation is finished or if I no longer wish to dispute the dispute comments must be removed if I request.
Product: Debt collection

Service Provider : XXXX XXXX ; Services Provided : XXXX XXXX ; Date of Service : XX/XX/XXXX ;  Invoice # : XXXX ; Claimed Amount : {$100.00} ; XXXX XXXX are claiming that I have not paid their above Invoice for services provided on XX/XX/XXXX. 
I paid this amount through my XXXX XXXX XXXX ( XXXX ) bill payment service in two equal installments of {$50.00} each as follows : 1. Electronic Payment from XXXX  XXXX XXXX {$50.00} on XX/XX/XXXX 2.  Electronic Payment from XXXX XXXX XXXX {$50.00} on XX/XX/XXXX The above information was provided to XXXX XXXX of XXXX XXXX ( Tel : XXXX ) 9-28 2017 by XXXX.. 
On XX/XX/XXXX I spoke with XXXX XXXX XXXX XXXX and provided the information again. She promised to investigate and call me back in 5 business days, but never returned my call. 
They have now referred this fraudulent claim to a Collection Agency - American Medical Collection Agency. This has affected my credit rating and I am being continued to be harassed. 
I am a retired person and I am being harassed for no reason. Please intervene to stop this tyranny! 
I also need them to have my credit repaired. 
Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I requested Portfolio Recovery Associates to provide validation that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay. On XX/XX/2023, they responded with a statement, which is not what I requested. A statement isn't the same as a evidence bearing my signature. Therefore, I sent a follow up letter on XX/XX/2023 requesting a signature to verify that this account belongs to me. 

Therefore, Portfolio Recovery Associates is in violation of the following. 

1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

THE ARE NOT CREDITING MY ACCOUNT PROPERLY. IT IS ILLEGAL TO REPORT TRANSACTIONS HISTORY ( e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( 1 ) Fees or premiums for title examination, title insurance, or similar purposes. ( 2 ) Fees for preparation of a deed, settlement statement, or other documents. ( 3 ) Escrows for future payments of taxes and insurance. ( 4 ) Fees for notarizing deeds and other documents. ( 5 ) Appraisal fees. ( 6 ) Credit reports. AS PER A FEDERALLY PROTECTED CONSUMER I AM OPTING OUT OF ANY AND ALL AUTHORIZATION I MAY HAVE GIVEN YOU WRITTEN, UN-WRITTEN, VERBAL, UN-VERBAL AS PER 15 U.S.C 6802 ( b ) Opt out ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third parties ALSO ANY CHARGE OFF ON MY REPORT IS CONSIDER A CERTIFICATE INDEBTEDNESS BY LAW INCOME AND INCOME CAN NOT BE REPORTED. APPLY ALL RULES OF THE FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT OF 1974FOR VIOLATION THAT APPLY.
Product: Vehicle loan or lease

DUE TO CIRCUMSTANCES BEYOND OUR CONTROL AT TIMES I FELL BEHIND ON THE PAYMENTS BUT NOT SO FAR FOR THE VEHICLE TO BE REPOSSED OR PUT ON THE REPOSSESION LIST. 
WHILE COMMUNICATING WITH THE LENDER THEY OFFERED TO DEFER THE PAYMENTS TO THE END OF THE LOAN BUT NEVER INFORMED ME I WOULD HAVE A BALLOON PAYMENT AFTER THE LOAN WAS PAID OFF. 
MY LOAN ENDS IN XXXX AND THEY JUST TOLD ME I WOULD OWE AN ADDITIONAL {$4000.00} IS IT MANDATORY FOR THE LENDER TO INFORM THE BUYER FULL DISCLOSURE OF THE TERMS OF DEFFERMENT?
Product: Credit reporting or other personal consumer reports

My account withXXXX BANKwas 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against TransUnion for reporting unlawful information/accounts on my credit report. Despite my numerous attempts to rectify this situation, TransUnion has failed to follow federal law and continues to report inaccurate information on my credit report. 
I first became aware of this issue when I applied for a loan and was denied due to information on my credit report that did not belong to me. Upon closer inspection, I discovered that TransUnion had included accounts that were not mine and had been opened fraudulently. 
Since then, I have made repeated attempts to correct the information on my credit report. I have sent multiple letters to TransUnion, filed disputes online, and even called their customer service hotline. However, TransUnion has failed to take any action to remove the inaccurate information from my credit report. 
As a result of TransUnion 's failure to comply with federal law, I have suffered significant financial harm. I have been denied credit, had higher interest rates, and been unable to obtain the financial resources I need to support myself and my family. 
I believe that TransUnion must be held accountable for their actions and for the harm they have caused me. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TransUnion complies with all federal laws and regulations.
Product: Credit reporting or other personal consumer reports

I am writing to address an issue with my XXXX Credit Report regrading an account with XXXX XXXX XXXX, Original Auto Advantage Finance. The report shows a past due balance of {$1000.00} for a vehicle that was repossess in XX/XX/year>. However this account was paid off in XXXX XXXX Despite this it continues to reported as past due and that it was recently repossessed which is inaccurate. This incorrect reporting is impacting my XXXX  Loan Process and it needs to be rectified as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am A natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, TRANSUNION & XXXX is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX, XXXX, & Transunion written permission to furnish these accounts. 
15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 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 item of information, other than records of convictions of crimes which antedates the report more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate In accordance to 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 ACCOUNT NUMBER XXXXXXXX has violated my rights Account name : XXXX ACCOUNT NUMBER XXXX has violated my rights Account name : XXXX  ACCOUNT NUMBER XXXX has violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an alert that there was a fraud alert placed on my credit report from Experian. 
I never asked for any fraud alerts be placed on my credit file. Please remove them. 
I'm not writing into Experian to ask that it be removed bc I never asked for it to be placed on there. I know how to do that myself. 
I'm not going out of my way getting envelopes and stamps to write or mail anything. Nobody told you to put them on there. 
Remove the fraud alerts please.
Product: Credit card

TD Bank account for XXXX XXXX was moved to a new system. I can not access the web interface and when I call customer service I am placed on a 2 hour hold. This is unprofessional and unacceptable. If your system is not ready for the move then don't put it online. Customer Service will not answer my calls!!!
Product: Credit card or prepaid card

Earlier this month I applied for a credit line increase. On XX/XX/2023, I received notice that the increase had been denied. When I called Capital One to inquire on the reason why I was told it was due to me being late on multiple occasions. After letting the representative know that was incorrect, he researched and found out it was indeed incorrect and that my payment history is impeccable. However, he could not give a reason for the denial, and neither could any of his higher authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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

I have tried on several occasions to repair my credit with XXXX, XXXX  and transunion for the ELIMINATION of accounts that are being reported incorrectly. several accounts are in COLLECTION but the account status is open, the last dates of activity are reported differently in each credit bureau, how is it possible? I have sent them letters where I point out the errors in the accounts and they ignore my request. 

The accounts I need removed because they violate the FCRA ARE : 1XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX The balance owed on this debt is allegedly XXXX and the highest balance is XXXX, this is a violation of my right to a Fair Credit Report. 

2- XXXX XXXX account number : XXXX 3XXXX XXXX XXXX account XXXX : XXXX This account is reporting the last activity date differently in XXXX and XXXX, late payments are also reported on different dates, I am entitled to fair credit, errors like these are unacceptable 4- XXXX XXXX  account number XXXX This account is reporting the balance due other than the highest balance,. Additionally, I was reviewing it and its reporting the PAYMENT HISTORY " CO '' Accordingly to the FCRA, it's illegal to report current payment history on a Charge off account. I have the right to an accurate credit file and discrepancies like this are unacceptable. 

5- XXXX XXXX account number XXXX The last day of activity, account status on this account are reporting differently on the 2 credit bureaus. i have the right to an accurate credit file and discrepancies like this are unacceptable. 

6- XXXX XXXX XXXX XXXX account number XXXX The last day of activity, last payment on this account are reporting differently on the 2 credit bureaus. Additionally, I was reviewing it and its reporting the PAYMENT HISTORY " CO '' Accordingly to the FCRA, it's illegal to report current payment history on a Charge off account. I have the right to an accurate credit file and discrepancies like this are unacceptable.
Product: Bank account or service

I was charged {$20.00} for insufficient funds on XXXX/XXXX/2014 on my First Bank XXXX checking account. The funds were never insufficient. The bank actually decided to withdraw twice the amount authorized for a mortgage payment, realized and reversed the error, but not before charging me with insufficient funds. I have been told repeatedly the the {$20.00} fee would be returned. To date no such a think has occurred. Instead their mortgage division stole {$4000.00} from the escrow account. This is being addressed through another complaint, Case number : XXXX. 

I have called, emailed, and complained in person. I have shown them plenty of evidence. This bank is in XXXX so there is absolutely no sense of urgency much less contrition or competence. 

The Bank has no functioning hierarchy. It 's headquarters in XXXX XXXX appear to have NO control, oversight, or desire to account for customer funds or respond to complaints or evidence of theft. 

I ask that when they ask for a 60 day extension that this bureau deny their request for more time to be incompetent and fraudulent.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX BANK NA # XXXX XXXX XXXX XXXX XXXX # XXXX THE XXXX # XXXX THE XXXX XXXX XXXX OF # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX THE FIRST. XXXX XX/XX/XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.