23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a credit card with Wells Fargo for over 10 years. I 've never been the type to check statements but recently began to and was surprised to learn that I have been getting charged monthly for a service called credit protection. This is not a service that I ever agreed to. I contacted Wells Fargo and a representative agreed to refund the charges dating back to XX/XX/XXXX totaling around {$110.00}. I demanded that all charges dating back to when the card was opened to be refunded. She stated that she personally could only do the 6 months but was sending information to the credit defense program in a " ticker '' and that they would be able refund the full amount. Unfortunately the number she gave me was closed that day and I was unable to receive any confirmation that all the charges would be refunded. Simply typing this program into google revealed that this was a long running scam by Wells Fargo and that many people have had this exact issue. Wells Fargo is even facing a class action over this.
Product: Money transfer, virtual currency, or money service

Cashapp I asked to block a transaction due to scam on XX/XX/year> XXXX on a XXXX dollars transaction when I found out it was a scam nothing happen transaction was not blocked took 7-9 days for transaction to go through
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX CXXXX XXXX XXXX XXXX XXXX XXXXBalance Owed : {$210.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$160.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Student loan

XXXX ( now XXXX or whatever they rebranded to ) has been non stop harassing me for years. They have : - taken money out of my account without permission, - called me before XXXX and after XXXX ( as late as XXXX ), multiple times a day, on all days including holidays,- told me to take out further loans to pay my student loans,- threatened me, - directed me to demand money from my family and loved ones. I have paid down my loans so it's not as if I've not been paying them they have just been hounding me in inappropriate ways. I am now XXXX and have a limited income from the government and they REFUSE to accept this. I have sent them my XXXX paperwork 6 times ( twice by mail which they " lost '' ) and they keep telling me that they " never received it ''. Don't get me started on how pleased I am to hear that my sensitive information is floating around somewhere for someone to see. I have had the pleasure of talking to associates on the phone who have basically shrugged it off, told me 'it 's not their problem ', and asked me to give them my XXXX money. I spoke to a supervisor earlier this month who found the first XXXX pages of my paperwork in her spam folder ( which is what someone else told me to send ) only to be told they needed more paperwork. I'll email her the paperwork but I'm sending this so it can be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/22 the company XXXX XXXX sold a sick puppy to me. Not only were the selling practices unfair and unethical the contract and selling price of the puppy are not the same. As seen in the contract with XXXX XXXX XXXX XXXX the selling price of the puppy was XXXX with a XXXX tax fee. Now on the original sellers receipt which I have added below the sellers price for the Animal was instead XXXX. The contract and original sellers receipt both depict inaccurate information to the sell of the animal. I have reached out to the company on several occasions to alert the dog did not live past the warranty initiated by the original seller. The company then sold the account to a debt collector upon looking over the information. I plan to see higher counsel if the company does not attempt to settle the debt as stated in the contract the selling price and original price are not accurate. The itemized description states puppy the original selling receipt shows that the price listed and the price charged were in fact not the same.
Product: Debt collection

I am filing this complaint regarding a collection account reported on my credit report by Jefferson Capital and subsequent collection attempts by another agency, XXXX. Despite their efforts to collect, neither Jefferson Capital, XXXX, nor XXXX, which continues to report this account, has provided proper validation of the alleged debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the right to request validation of any alleged debt. This includes documentation verifying the original creditor, account details, and proof that the debt is legitimately tied to me. None of these parties have fulfilled this legal obligation.

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), XXXX has a responsibility to ensure the accuracy of the information they report. Continuing to report unvalidated accounts violates federal law and unfairly damages my credit profile. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter. I seek the immediate deletion of this unvalidated account from my credit report by XXXX and that Jefferson Capital and XXXX cease all collection activities unless they can provide full and valid documentation proving the legitimacy of this debt.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I started researching consolidation loans and was offered an option through sofi of a 7 year term with a 12.34 % APR on {$35000.00} after inputting all of my information. 

I hesitated for a brief period with this loan as it's a very large amount but proceeded with my application on XX/XX/XXXX and authorized my credit pull late in the evening with a change to my rate showing at 12.61 % APR. 

Today, on XX/XX/XXXX after less than 12 hours later the sent me a new offer of 15.95 % APR. I still have not received any disclosures or any information throughout the loan process. 

I called them to ask why there was a difference and they couldn't provide me with any information. I then asked to speak with a manager. The manager came on the phone and they stated that my credit had come down XXXX points. I asked where their ranges fell for credit tiers and what I needed to be at for the previous rate and what factors had justified such a large increase and they refused to discuss this with me. She said she has told me all she can tell me at this time. I told them it seemed suspicious that it would increase such a large amount and them not be able to provide me with any information as to why. The only option I have on their website is to proceed with new offer. 

I can understand if I do not qualify for the rate originally offered however I have excellent credit and excellent credit history.
Product: Debt collection

I have collection that was removed already from my credit report because they dont belong to me and these same collections have reappeared on my report : CAVALRY PORTFOLIO SE ACCT # XXXX ( which is a collection agency ) stated i opened an account on XX/XX/XXXX which is false! I have no knowledge of this account. Reporting to all 3 credit bureaus XXXX  XXXX XXXX ACCT # XXXX ( which is a collection agency ) stated i opened an account XX/XX/XXXX which is false i have no knowledge of this account. 

Both collections reporting to my XXXX report. 

XXXX XXXX XXXX XXXX  ACCT # XXXX ( Which is an collection company ) stated I opened an account XX/XX/XXXX which is false because this account doesnt belong to me. This account is reporting to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly notified this company by phone that I am in a current bankruptcy status on at least 5 separate occasions since my bankruptcy was officially filed in court on XX/XX/2022. To date, they have completely disregarded the court 's order and continued to try and collect on this account by repeatedly attempting to call me several times per day and by sending my emails every single day without any concern whatsoever that I am in bankruptcy and the LAW forbids them from doing these things during this time. They simply don't care about what the law states that they should do and not do while someone has filed for bankruptcy, obviously. They still do it and up until yesterday, I am still receiving harassing emails from this horrible excuse of a lending institution. Not only have they continued to harrass me and collect on this debt while I am in bankruptcy, but they have now decided to add this account to my Transunion credit report on top of everything else. They added this account just a few days ago and they are reporting it with a balance owed and with several months worth of delinquent payments while I have been in an active bankruptcy as well as reporting it as a delinquent account that is in collections and so on. This was all done just a few days ago and with full knowledge of my bankruptcy status too I might add. They have violated just about every consumer law their is and have also violated every debt collection law too by what they have already done to me while completely ruining my credit report and score as well as keeping me from being able to secure a new place to live because of their negligence, arrogance, and utter disregard to our Federal and State laws as well. To add to this : NOW THEY HAVE ALSO VIOLATED A BANKRUPTCY COURTS ORDER AND ALSO ARE VIOLATING A STAY AS IMPOSED BY THE BANKRUPTCY COURT AS WELL. What I should be doing and most likely will do still is to sue the living daylights out of them in Bankruptcy court and also in Civil court for their negligence and deceitful actions and for the harm in which they have caused me as a result with their actions. This is what I should be doing rather than wasting my time by filing this complaint here because clearly they don't listen or care about our laws and our rights and I have proof of everything that they have done ready to present in court if this isn't resolved within the timeline specified here with the CFPB ( 15 days ).
Product: Debt collection

Harrison Harris Limited has called me daily starting XX/XX/2023. I do not owe any debt and Im tired of receiving phone calls from them.
Product: Credit reporting or other personal consumer reports

Hello, I have been trying to get all 3 credit bureau to update information on my credit profile regarding possible financial account however transunion hasn't updated the information even after sending multiple request to transunion to update or remove information. I add attachments from settlement and last 3 bureau report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts listed on my credit report, which are inaccurately reported and do not belong to me. These accounts have a negative impact on my credit profile and may be associated with inaccurate addresses previously disputed. The following accounts are in question : XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX I have made multiple attempts to have these accounts removed from my credit report without success. These accounts are not mine, and their presence on my credit report is erroneous and damaging. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related laws, I assert the following rights and requirements : FCRA Section 609 provides consumers the right to dispute inaccurate information on their credit reports.

FCRA Section 611 mandates that consumer reporting agencies investigate disputed items and correct or delete information found to be inaccurate or unverifiable.

FCRA Section 605B requires consumer reporting agencies to block the reporting of information that results from identity theft upon request.

Additionally, the Identity Theft and Assumption Deterrence Act ( ITADA ), 18 U.S.C. 1028 defines identity theft and imposes penalties for those convicted of the crime.

ive also recently disputed accounts and associated inaccurate addresses
Product: Mortgage

We sold our home and closed the first mortgage and HELOC with Bank of America on XX/XX/2020. The title company overpaid the HELOC by {$630.00} from our sales proceeds. Bank of America advised me on XX/XX/2020 that I would be receiving a live check for the overpayment in 5-7 business days. 

It is now XX/XX/2020, and XXXX XXXX from Bank of America assured me that my refund check is en route. As of XX/XX/2020, eight ( 8 ) business days since the close, my refund check has not been received. Bank of America is unfairly holding on to my money and has been deceptive with their communications, stating via email and on phone calls that my refund due would be back in hand in 5-7 business days. 

My HELOC was paid monthly and 100 % on time every month. Bank of America automatically withdrew funds to pay the HELOC from our checking account at Bank of America. Instead of refunding the overpayment to the same checking account, Bank of America unilaterally elected to mail a live check. This act appears to be to the benefit of the bank continuing to earn interest on my money and similarly depriving me of access to my funds.
Product: Debt collection

None of the above problems describes by issue. I have a charged off debt owned by a company called CACH LLC. In XXXX 2015, I was contacted by Fresh View Solutions about a payment arrangement. I agreed to pay XXXX per month on the XXXX for six months. After that, we would renegotiate a new payment amount. The amount of the payment is not in dispute. My ex-wife, at the request of the XXXX, needs a copy of the original payment agreement arrangement and Fresh View refuses to furnish this information after numerous requests. They have provided a payment history and a letter stating that the payments were made in accordance with the agreement but this will not satisfy the XXXX. They require the actual payment terms ( amount, due date, etc. ), which Fresh View will not provide. They state that they mailed a copy at the beginning of the payment arrangement, but I have no copy of it and they will not provide another one.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX, 2016 Equifax XXXX. XXXX XXXX XXXX, GA XXXX To whom it may concern : In accordance with Federal Civil Rights Law, demonstrate that the following material appears correctly on my credit reports. Request ample documentation, ( including but not limited to : date account opened, date closed, full accounting of account, address where bills were mailed to ) from this alleged creditor. If these items appear in error, I have a cause for action because my rights may have been abrogated and violated in that case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Acct # XXXX & Acct # XXXX ) Your quick response and prompt handling of this matter is expected. 

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

I have been banking with XXXX XXXX bank for years nowAnd recently i applied for an apartment through my XXXX XXXX  XXXX and was denied XXXX actually was told I had a XXXX  which is a lie I went downtown XXXX and got a letter proving that was a lie on my CREDIT REPORT and that my CREDIT SCORE was really badSo that lead me to investigate my history of CREDITAnd when I start investigating I realized that not only am Im being discriminated against but also REDLINED by my BANK and CREDIT bureaus like XXXX and other companies like them have straight up DENIED me CREDIT!!!! I can prove it XXXX XXXX has never approved any of my application not XXXX I am a single XXXX woman that never ever HAD XXXX credit card and XXXX XXXX XXXX XXXX and that makes me cry really hard because this BANK said they can never accept my application due to credit score.BUT they wont allow me to build any history with credit because they tell me NO to every APPLICATION. THAT IS DISCRIMINATION!!!!!!! I only have had a bridge card lately in life and on social security.This is absolutely WRONG.Due to HJR-192 UCC1-308 how is this at all lawful to deny me credit and then tell me its my credit why I cant get any loans. : ( wXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I feel used and I consider this bank XXXX and discriminating against meI tried calling asking the XXXX XXXX what is the issue and I recently applied for a truck OF COURSE DENIED & on top of it GASLIGHTING ME telling me its my credit and they will mail out the reason for denying meWhich I already know its because of this so called REDLINED CREDIT.I spoke to several supervisor and was treated like a child and talked to like I was absolutely nothing and told basically nothing that was LEGALLY ACCEPTABLEI also have recordings of how they talked to me and the sad excuses they came up with WHICH was not at all LEGALAt this point Im out of option and I want to sue them because I TRULY HAVE NEVER HAD A CREDIT CARD in my LIFEBlack families should have some type of support from the bank I get that you guys have to use us so how could you actually help us financially but honestly its the LAWHJR-192 and to be honest how would you feel if you if you were treated this wayIm an XXXX woman but not that behind to see when an organization is discriminating against meI want the same equal rights as any other person on this planet.Whats truly sad is that this corporation actually feels that its ok to deny me please investigate XXXX XXXX because I truly have been taken advantage ofUCC1-308 UCC3-603 UCC 3-306 UCC 3-104 15 usc1681 b XXXX is not okay at all and if youre XXXX XXXX XXXX FORGIVE YOU!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, the credit card company Wells Fargo reported a 30 day late payment on my credit file without contacting me or sending email that my account was approaching past due before the 30 days of delinquency which was reported by this company violating my right. 

In accordance with the fair credit Reporting Act, Wells Fargo account # XXXX has violated my rights 15 USC 1681 Section 602 states, I have the right to privacy 15 USC 1681 Section 604A Section 2 : states a consumer reporting company can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

These Inquiries are fraudulent and do not belong on my credit reports below from different bureaus XXXX  inquires below 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 XXXX XXXX
Product: Checking or savings account

In XXXX 2017, we noted fraudulent charges on my Bank of America business account, via our debit card. Since we were away on vacation, we were not able to immediately report the charges but did so within 30 days. The charges we done on XX/XX/2017 and XX/XX/2017. These charges were made at XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. The charges were of {$600.00}, {$560.00}, {$1000.00}, {$600.00}, {$250.00}, {$350.00}, {$7.00}, {$46.00}, {$700.00}, {$800.00}, and {$1700.00}. We contacted Bank of America about the fraud and we were told they opened a case. However, it took us calling 3 different calls for them to finally open a case. They denied the claim for various reasons. Finally, we were asked to prove that we were not in the XXXX, TX area when the charges were made and thus were fraudulent. We sent Bank of America all proof showing that we could not physically have made these purchases by showing the hotel room itineraries, flights, and more. Bank of America did not do their due diligence to get down to who committed the charges and just told me the case was closed and they will not do anything else. None of the stores were contacted or asked for proof.
Product: Credit reporting or other personal consumer reports

experian lowered credit score giving no indication why. try to contact them to talk to someone but impossible, only get auto messages wont connect to specialist
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following inquiries has violated my rights : These hard inquiries are fraudulent and do not belong to me. 

XXXX XXXX - XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I am set up with an automatic payment program with Discover credit card. 
I was set up on this program because I am unemployed and I am having trouble making the large payments. When I set up this program, they told me I could go ahead and make the payment myself at an earlier time and they would not process the auto payment scheduled. 

On XX/XX/XXXX, I went on line and scheduled the payment for {$200.00} On XX/XX/XXXX, the payment cleared my XXXX account. On that same day, Discover attempted to take the money out of my account again two times. This caused me {$64.00} in NSF fees with my bank. This is an extreme hardship for me. I am barely able to pay my bills on time. I explained this to an agent and a supervisor at Discover and they will not reverse the fees. Please assist me in this matter. I do not even have gas money now. I work hard selling my personal belongings off to make ends meet and now this has happened ... .I am very very upset and not a happy customer. My credit is perfect. 

Thank You, XXXX XXXX
Product: Debt collection

opened XX/XX/year> fair credit collections and outtsourci 15usc 1681B you may not put anything on my credit report without my permission 15usc 1681A ( 4 ) i have the right to all privacy
Product: Payday loan, title loan, or personal loan

My husband and I both got a payday loan from Check n go. They are taking $ XXXX from me every month and $ XXXX from my husband every 2 weeks for 18 months each. We were told the interest is only 200 % and not a penny more. Yet only {$5.00} goes to principal and the rest interest. When I do the math on both loans it comes to more like 300 % +. They refuse to work with us. I am tired of their so called lying legal department telling me they guarantee the interest is only 200 %. I borrowed {$1300.00} and my husband {$5000.00} by the ladies being so deceiving and calm explaining everything false to both of us. They refused to let us read the papers we were to sign yet tell us let us explain to you what this paperwork says. The ladies falsified the information and left so much information out.