23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I was scammed by an individual who was offering me employment, and sent me what later turned out to be a fraudulent check for equipment purchasing. Equipment that I would be using for the job he offered me. I deposited the check in my Bank of America Checking Account at the counter. There was a hold placed on the check for 4 days. So I notified my " employer '' that I would n't be able to purchase the equipment until the check cleared. One day before the end of the hold, I attempted to login to my online banking through my phone. It said that online banking was n't available to me. So I called the help line provided, only to discover that my online banking had been closed by order of the risk department. I asked to be transferred over. After being transferred to the risk department I was asked to give my social, name, phone number, and passport number or my account number. Finally, they told me that all my accounts were in the process of being closed. They told me that the reason for this is that I had deposited a fraudulent check. I asked if there was aything I could do, and the only thing they said was that I could write a letter to some PO Box in Florida. So with no prior notification or communication of any of the issues plaguing my account, they decided to close it. I did not even merit an email saying that they would be closing my account. My issue is that I was n't even notified of any fraudulent activity nor was I notified that they were closing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give Quality Acceptance the permission to furnish information on my consumer report. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

Quality Acceptance is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I signed an agreement to enter into a credit transaction with Quality Acceptance ( on an unknown date because my consumer report is showing two different dates ) but had no say, legally it takes two consenting parties to create and agree. I was not informed, the agreement was not conspicuous and clear of basic facts and I made a uniformed decision. There is no evidence of indebtedness, the only evidence of the debt was the agreement I signed but because of the uniformed decision that agreement is null and void. 

My complaint is also with two bureaus XXXX and XXXX who are allowing Quality Acceptance to put this incorrect information on my consumer report which are also violations under FCRA For those three violations I am seeking {$3000.00} in remedy under 15 USC 192k a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;
Product: Credit reporting

I consistently have to dispute accounts with Experian. I can not do online disputes because the system generates questions that have nothing to do with me, my identity nor my credit report. I 've gotten asked twice to verify a mortgage account that is n't even on my credit report nor did I have XXXX opened in XXXX. When I call all I get is transferred constantly. Today is XXXX/XXXX/XXXX I 've been on the phone for over 30 minutes, transferred twice. I ca n't get a fraud alert placed on my account. I ca n't seem to do anything but, they keep placing false information on my credit report. I 'm tired of having random things put on my credit report by Experian. I am not having this issue with any company other than Experian. And I pay for a membership with them through XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an erroneous account from XXXX 's that is being reported on my credit report. The account in question is associated with XXXX 's, a company that closed all of its stores and filed for bankruptcy in XX/XX/year>. The account in question is no longer valid due to the company 's financial closure and bankruptcy proceedings, which renders this account 's reporting not credible. 

Additionally, I requested verification of this account from XXXX 's, and the company failed to provide the requested information. XXXX 's representatives confirmed that the trade lines associated with this account would be removed from all credit reports due to the company 's closure and inability to verify the debt. 

As this account is no longer valid and can not be properly verified, I request that you immediately remove it from my credit report. The continued reporting of this erroneous account is inaccurate and harmful to my credit profile, and I expect it to be corrected promptly. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

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! 5 USC 1681. 

XXXXDEPT OF ED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report counting 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have had my Citibank card since 2010- over 13 years Ive had a balance and this company has made money off me. Ive been a good customer and Ive only been late a few times. Recently I had issues with my bank account and some payments were returned in the last few weeks. I wasnt late. I also rectified my bank account problem. Without notice or anyone talking with me my Citibank account was closed due to late payments or returned checks. This is ridiculous and a poor way to treat your customers and run your business. 

I would like my account reopened and my APR put back to what it was. 

Also Im flabergasted that this company would charge me over {$200.00} in fees! They choose to put through a payment 3X before it comes back and gets officially returned. besides being charged by my bank for the returned payment Citibank also charged me {$30.00} every time they put the payment through! I also got charged {$41.00} waiver fees for each payment. This is ridiculous and Citibank shouldnt be allowed to charge customers these exorbitant amount of fees. 

I would like all the fees waived that amount to over {$200.00}. This will put my balance under my limit. That is the only reason Im over limit is your fees!!!
Product: Debt collection

XXXX XXXX XXXX. They a debt collector. They call me non stop. I told them to stop calling. Im trying to set up payments. Consumer services XXXX  and representative very rude. Trying to fix my mistake and suppose there to help you. Until they call you all hours of day and harass at work which told them they called. Then talking to real person nasty.
Product: Credit reporting or other personal consumer reports

I am in the process of buying a car and while checking my credit report I noticed these false inquiries affecting my livelihood. I am a new single mom and need to get a bigger car for my son. These damages are causing more stress. These are negatively impacting my emotional and mental state making buying a car a more difficult process. I have already been in breaches and thought you guys were going to protect my information. Now my family and I are being impacted emotionally and mentally. According to, 15 U.S. Code 1681S- 2 Responsibilities of furnishers of information to consumer reporting agencies ; the credit agency has the responsibility to make sure all information is ACCURATE on your report. This is out of my character but this is affecting me. The inquires are fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thi is XXXX XXXX XXXX and I am submitting this CFPB Complaint to request that you remove the fraudulent items off of my Credit File. My credit report contains a significant number of unauthorized accounts, inquiries, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please see below the list of the items I need you removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX  XXX Opened XXXX XXXX, XXXX Balance {$2500.00} XXXX XXXX A XXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$170.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$190.00} XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. Under the requirements of the Fair Credit Reporting Act section 605b, I am requesting immediate removal of the disputed fraudulent items off of my Credit File.
Product: Credit reporting or other personal consumer reports

Request for Certification of Accuracy of Information Identity Theft Victim XXXX. Title. This Article shall be known and may be cited as the Identity Theft Protection Act. ( 2005-414, s. 1. ) Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 Permissible Purpose : 15 USC 1681b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Under the Fair Credit Reporting Act ( FCRA ), I am asserting my right to an accurate and fair representation of my creditworthiness. I, XXXX XXXX, declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. I am complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or c onsent. There is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent items are removed immediately. 

1. XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/scrub>XXXX XXXX XXXX
Product: Credit card or prepaid card

Someone stole my personal information to open several credit card. I found out with Experian immediately. All the credit card closed without payment request but one with My XXXX XXXX Credit Card with XXXX XXXX. I called several times with XXXX XXXX  but XXXX XXXX  said there is no credit card opened with my SSN. I was so confused so I had to contact with Experian several times with dispute department but never succeeded. Now, because no one paid this credit card, XXXX XXXX credit card with XXXX XXXX  kept sending statement asking for past due. I can't give this because it was never me and I reported both bank and Experian immediately and several follow-up.
Product: Mortgage

On XX/XX/2019 counselor XXXX XXXX XXXX Housing Counseling Agency XXXX provided documents for loan modification as of XX/XX/2019 neither Wells Fargo Bank has approved or denied. Wells Fargo Bank so far has not requested any additional documents. Around XX/XX/XXXX we had phone conversation with the manager named XXXX XXXX form HUD counselors office. He was supposed to get back with HUD counselor but has not done that so far. I received two docs stating account is past due and need to pay before other proceedings take place. I called W.F.B staff personnel on XX/XX/19 XXXX id # XXXX hang up phone on me. Attorney of records XXXX XXXX XXXX and all and entire information has come from him. But W.F.B is also violation litigation right by communicating with and than they have attorney on records. If W.F.B needs not to communicate with attorney they should notify in writing no attorney is representing. Other wise its harassment and contempt of court and I will cease providing documents to attorney of records and inform this to court. XX/XX/2019 date of filing
Product: Credit card or prepaid card

I purchased a {$2500.00} Tv with website XXXX that used a retailer named XXXXXXXX XXXX and paypal as the merchant bank, this was back in XXXX, XXXX. I had issues with the merchant XXXX XXXX, I placed a charge back with my bank. The merchant XXXX XXXX  agreed to work with me and asked me to cancel the charge back. I cancelled the charge back but the merchant states that PayPal bank refuses to close the charge back case from early XXXX, XXXX XXXX  XXXX and PayPal Bank are refusing to refund me the money. I have reached out to my bank and they have done internal review to prove there is nothing they can do and case is closed on my end. Merchant states they can not issue a refund check until PayPal closes case and PayPal refuses to discuses case with me. Merchant states PayPal is giving them the run around as well. 
PayPal Banks behavior is poor and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate information being reported on my Experian credit report. I disputed the following and was never contacted by Experian of their investigation : Account Type : Collection - this is not a collection Open/Closed- This is left blank, however it is a closed account Paid off : shows <1 % should be 100 % paid Term : they show 1 month, but still updating credit file for 2 1/ 2 years!

All of this information should be corrected immediately or remove this negative account from my credit file!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern i have 3 hard inquries from XXXX which are inaccurate and was resolved a while back as i never made these inquiry 's and this was all fraud the following dates are XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX and 1 from XXXX XXXX from XX/XX/XXXX. All of these inquires were never made by me. This is all fraud. I have called these companies a few times to try to resolve this problem. To my understanding of fair credit reporting act and from what they said this should all have been resolved.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation of my credit report and found several items on the report that were inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXX  XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX  This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX This account is being reported inaccurately, please remove it from my account.
Product: Checking or savings account

Citi bank has closed my account with no warning on date XX/XX/year>2025, and placed a hold on my account not allowing me to withdraw my money from a branch either in check or cash. Told me 30 days to give them a call back.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX AND XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX 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 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 AND 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 or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my knowledge or consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I kindly ask for these items to be removed promptly. 
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: Checking or savings account

Wells Fargo attempted to open an account in my name. 

I received a letter in the mail with the subject " your recent online application '' dated XX/XX/2021 and received on XX/XX/2021. 

I never applied for an account. I previously froze my credit at all three bureaus to prevent fraud. 

The letter stated " we were unable to open an account based on the information you provided in your online application '' and prompted me to go to a branch to open it in person. 

Wells Fargo has a history of opening accounts without their customers ' permission. 
The letter seems to be an automated response for them attempting to open an account in my name and having failed.
Product: Credit card

Portfolio Recovery Associates has tried twice in the last XXXX years to settle with me. I gladly oblige to discuss settling but they are asking for more than what I owed. I have repeatedly asked them to provide me with a statement balance so that I can show them what I owed and they will not. They instruct me to call the original lender XXXX but they do not keep statements for when I had this credit account. Portfolio Recovery Associates keeps reporting my account as in collections but have not made written or phone correspondence with me. The times I have spoken to a representative they confirm my address which has remained unchanged.
Product: Checking or savings account

I have asked repeatedly since 2018 for NFCU to close my account which they refuse to do. Now I am being threatened by XXXX XXXX, XXXX, Membership, with being dunned an inactive fee. They don't seem able to just close my account.
Product: Credit reporting or other personal consumer reports

I recently received confirmation from the bankruptcy court stating they did not send my information to the credit reporting agency which means they found and reported it without my consent or sending me any information to verify it was correct which is a violation of U.S. Code 1681b permissible purpose. Also I am the only one who can verify my information correctly before anything is attached to my credit file and they did not send me any information ( physical verifiable proof ) USPS so I could confirm that it belongs or did not belong to me which is another violation of FCRA law 15 U.S. Code 1681s-2 and 15 U.S.Code 1692j. For each violation I could receive monetary compensation of up to {$1000.00} in the court of law, but at this stage of the process I will settle with deleting and blocking it from my consumer report effective immediately also I have attached documentation signed by me and the court stating they do not report to any credit agency which means they stole the information and reported it without my consent or the courts consent that is illegal on so many levels. This has stained my consumer report and caused me so much damage physically, mentally, and financially. I am a single mother working to get me and my kids a place to call home but the credit reporting agency has placed obstacles in my way making it extremely impossible to overcome. im drained mentally and physically and have exhausted all my resources trying to overcome this hurdle. I have been doing intensive researching seeing how is this possible for them to do to me and I have found that what they have done to me is highly illegal and devastating to my future. I just ask the CFPB to help me overcome this battle so I can move forward with my life in peace. Thank you for your time and consideration to listen to what I had to say hopefully you resolve this issue immediately or I may have a XXXX XXXX due to stress and XXXX.