23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a credit card with fidelity card member services or fidelity bank and it is a Visa card. On XX/XX/2022 Fidelity Bank closed my credit card account without any prior notice or anything. I was not even notified that my account was closed by fidelity. I called customer service and I was not given a good reason for closing my account and I do not know why. I am NOt late in any payments and I always pay my credit card balance in full each month and there are NO problems with my credit card account with fidelity. Fidelity can not close my account just because they feel like it, they have to have a very good reason and legitimate reason for closing my account. I have done nothing wrong and I buy from the same retailers that I buy from for years and there are no reasons for them to close my account. This is very poor quality customer service and a very terrible bank and company. 
I want my account to be restored and reopened back again immediately and I want higher management to call me and explain why they closed my account for NO legitimate reason
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file, and have noted the relevant disputes. Upon a closer review, I found several accounts and credit inquiries that had been hit by my name aside from those which were unauthorized or unrecognized .XXXX the postings do not seem appropriate to my credit history ; but are incorrect account entries, or are accounts created due to identity theft. Due to the presence of these incorrect items, it has lowered my credit score and affected some personal finance. This has been a major worry as i have wrongful bad credit being attached to my file which in turn is not true history of how i use, spend or manage money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reportung Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 USC 1681 Section 602A states I have the right to privacy 15 U.S.C. Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

13 U.S.C. 1681c ( 5 ) Section states : no consumer reporting agency ma y make any consumer report containing any of the following items of information, other than records of crimes which antedates the report by more than seven ( 7 ) years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the the information is accurate.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX
Product: Debt collection

XX/XX/XXXX XXXX and XXXX received phone call ( recording ) about 2nd attempt to serve documents. First attempt was supposedly a letter that never received. Told me for a US BANK ACCOUNT from 2005 and that would be sued in federal lawsuit for two different counts. Said balance was over {$5000.00} but would settle for {$2000.00}. Asked them to send documents for attorney to review and they hung up on me. Called again next day and told guy to quit XXXX  me or would report them and the guy flipped out and had a screaming match with me using every nasty name in the book. Today returned the call told them quit calling. Guy told me I dont control what they do and then told me to go pull weeds or something before hanging up.
Product: Credit card or prepaid card

ON XX/XX/XXXX MY FRIEND AND I CALLED DISCOVER AT XXXX-XXXX-XXXX-XXXX. WE WERE TRANSFERED 3 TIMES, AND ON THE PHONE FOR OVER AN HOUR BEFORE WE FINALLY GOT SOMEONE WHO COULD HELP US. HER NAME WAS XXXX. SHE WAS EXTREMLY RUDE, AND VERY NASTY. I EXPLAINED THAT DUE TO MY HEALTH ISSUES I HAVE TO HAVE MY FRIEND ON WITH ME, BECAUSE I HAVE XXXX, AND CAN NOT ALWAYS REMEMBER EVERYTHING. WE THEN EXPLAINED THAT AFTER REVIEWING MY INFO I FOUND A CHARGE I DID NOT AUTHORIZE ON XX/XX/XXXX DONE BY XXXX  SALES FOR {$2600.00}. SHE THEN SAID SOME THINGS THAT IM SORRY BUT ARE NOT OK TO SAY TO ANYONE! SHE SAID WELL IF I HAVE XXXX THAN HOW WOULD I KNOW IF I MADE THE CHARGE. SHE THEN SAID THAT THIS IS PEOPLES PATTERN WHEN THEY DONT WANT TO PAY FOR A CHARGE! SHE MADE IT SEEM LIKE I WAS USING MY SICKNESS TO GET OUT OF PAYING FOR SOMETHING WHEN I ALREADY PAID IT OFF. SHE THEN SAID THE ONLY WAY SHE WOULD HELP ME IS IF I FILE A POLICE REPORT! I TRIED TO EXPLAIN THAT I AM IN MY XXXX AND SICK, AND MY HUSBAND IS IN HIS XXXX AND HAS XXXX. IM SORRY BUT THE WAY SHE TREATED ME IS NOT PROFESSIONAL AND I FEEL SOMETHING SHOULD BE DONE ABOUT IT.
Product: Debt collection

XXXX ( XXXX ) had not sent me invoices for over 6 months. They sent me one statement in XXXX, XXXX. I immediately paid {$320.00} on XX/XX/XXXX. Three days later I received a notice from Trident Access Management staying my XXXX  account was sold to them and stated balance was {$510.00}. That was incorrect as I paid XXXX {$320.00} on XX/XX/XXXX. When I called XXXX ( XXXX ) they said my account was sold on XX/XX/XXXX and payment of {$320.00} was in transit to Trident. I requested Trident remove derogatory information from my credit report as the information was wrong. They refused and stated they had not received the payment. One month later, I called back chasing this {$320.00} that was lost. I spoke to both billing reps at Trident and XXXX. They participated in a 3 way conference call. XXXX and Trident reps went back and forth saying the payment was sent but Tirdent saying they never received it. Requested how the payment was submitted to Trident and XXXX could not provide stating may be delayed due to Covid-19 and delays with mail. I argued it would not take over a month to get mail. I asked both agencies to halt reporting on my credit report and said they couldnt do that and I could file a complaint with the breau instead. It has been two months of being placed on extreme long hold wait times trying to chase this payment when my account should not have been sold to begin with. I am submitting this formal complaint as the balance owed is {$190.00} and has been paid. The {$320.00} is still out in cyber space and no one is willing to take the time to provide me with details of how XXXX submitted the payment to Trident on my behalf ( electronic or manual check ). I would like to request this derogatory information be immediately updated on my credit report. Incredibly frustrating that no one is taking the time to help me track down this payment.
Product: Credit card

Over the past 18 months or so, I made XXXX balance transfers onto XXXX credit card. The interest rate on each transfer was 0 % until XXXX different expiry dates : XX/XX/XXXX XXXX, XXXX XXXX, and XX/XX/XXXX. XXXX This is the order in which they appear on the interest charge calculation page of my bill. ) I paid the minimum amount due every month until XXXX. Every month, that amount was subtracted from the balance with the 0 % expiry date XX/XX/XXXX. In XXXX, I paid an amount equal to the balance left on the balance transfer with the 0 % expiry date XX/XX/XXXX. Rather than subtracting that amount from the balance with the XX/XX/XXXX expiry date, the credit card company paid off the balance due XX/XX/XXXX, and paid down some of the balance due XX/XX/XXXX. I am now paying interest on the balance due XX/XX/XXXX. This seems very shady and bogus. Is that even legal anymore?
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 ) ( 1 ) 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: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly a collection in the amount of {$810.00} on the XXXX XXXX. partial account number XXXX. ( Please see page 14 of the attached credit report. ) I was insured with XXXX and I contacted XXXX to discuss this outstanding bill and the representative I spoke with at XXXX could not locate any billing records from XXXX, XXXX on the referenced date of service. It would appear that XXXX, XXXX. never billed XXXX and consequently this account has gone into collections. This billing error is not my fault and XXXX, XXXX needs to bill XXXXXXXX and reverse the collection proceeding against me. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 )  bureaus to fix this, however I have been unsuccessful.
Product: Credit reporting or other personal consumer reports

As outlined in FCRA Section 605B ( a ), credit reporting agencies must expeditiously remove any information labeled by the consumer as originating from an alleged case of erroneous activity, no later than four business days from the receipt of this notification. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2023 XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$210.00}
Product: Checking or savings account

In late XXXX to mid XXXX I held a checking, savings and line of credit with Wells Fargo Bank NA. Throughout my account history there was holds placed on my accounts and/or funds deposited into those accounts as suspected fraud. 

At the time I was informed by Wells Fargo Bank that there was suspicious online activity in my checking account and they would freeze the checking account and re-issue the debit card associated to it on several times. 

I also owned during this period a Wells Fargo Advisors Account. 

In mid XXXX I was notified by Wells Fargo Bank NA and Wells Fargo Advisors that they no longer wanted to do business with me and closed my accounts and forced me to sell my securities with no other explanation given. 

In a letter dated XX/XX/XXXX Wells Fargo wrote stating that they had conducted a review of the holds placed on my consumer deposit accounts due to suspected fraud and that their research indicated that the holds may have been unnecessary. 

They included with their letter a refund of certain deposit account fees charged during the hold and additional compensation for their delay in making their payment to me. 

I filed a complaint with the FDIC after I received the XX/XX/XXXX Wells Fargo letter and on XX/XX/XXXX received a email response from the FDIC that my correspondence falls under the direct supervision of the Consumer Financial Protection Bureau and they have forwarded to you my complaint. 

To date I have not been contacted regarding this matter and as such am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I was shopping for a vehicle for my business and the dealer pull more than one hard inquiry on my report. My credit report was misused without my permission. I was under the assumption that only one hard inquiry would be used for my credit report.
Product: Credit reporting or other personal consumer reports

This company is refusing to send me a letter of validation. I sent them a request for letter validation to priority mail, and I received that they had signed and received the letter but theyre refusing to send me a letter of validation.
Product: Mortgage

In XX/XX/XXXX, the tax assessor sent to Rocket Mortgage ( mortgage servicing company and escrowing agent ) a tax bill reflecting a new tax amount. Rocket Mortgage willfully did not up the mortgage payment at that time to reflect the increased tax due. In XX/XX/XXXX, when Rocket Mortgage did a new escrow analysis, they willfully again did not update their analysis to reflect the increased taxes owed for the coming year XXXX. 

The consumer upon receiving the revised analysis report, then contact Rocket Mortgage and provided the updated tax information, and Rocket Mortgage did adjust the escrow to reflect this increase tax due. 

In XX/XX/XXXX, the consumer receive notification of a failure to pay in total the taxes owed for XXXX, resulting in potential foreclosure by the taxing authority for failure to pay owed taxes. The consumer again had to contact Rocket Mortgage to get this issue addressed. 

These blatant failures by Rocket Mortgage has result in an escrow shortfall that they are unreasonably trying to recoup in a very short time frame of 12 months. Placing a financial and emotional stress on the consumer through no fault of that consumer.
Product: Credit card or prepaid card

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Dear Sir/Maam I am writing to dispute the following information in my file : ( XXXX Bank, Secured Credit Card XXXX XXXX Bank ) You will also find this item circled on the attached credit report. The item I have identified is inaccurate because I have no recollection of doing business with either accounts. It has already been 30 days since I filed this complaint with the Fair Credit Act & I havent heard anything back. 
I am requesting that these items be deleted in order to adequately reflect my true credit history on the attached report. 
I have attached all necessary supporting documentation to support my claim. 
I am asking you to reexamine this item and remove it from my file at your earliest convenience. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Please send me ALL PNC Bank statements for past 6 months. 

Please remove all and any fees charged on my two ( 2 ) accounts. 

When I opened, banker told me there are no fees on account ( s ), totally free accounts as long as I have positive balance. 

Return all fees. 

XXXX
Product: Debt collection

Ive been receiving these letters from a TRXXXX Recovery Services and they will stop today. This is not my debt from XXXX and I pay for my products fully. Again, TRS you got the wrong guy because this is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey CFPB, I have written you guys today to report an outdated inquiry that still reports on my Experian Credit Report today. The information that outdated is from XXXX XXXX Credit Card. The Removal Date that is stated on the Experian is XX/XX/2019. Today date is XX/XX/2019, which means that the inquiry is, in fact, an error. If you need any information or verifying who I am, feel free to call me at ( XXXX ) - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX With the lender Capital One, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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, credit repair services, or other personal consumer reports

It is Experians duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

Experian is reporting an inaccurate late payment for the XXXX XXXX account " XXXX ... '' This is a 30 day late payment posted in XX/XX/2021. 

This is incorrect and supposed to be reported as PAID AS AGREED. 

Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report.

A transaction constitutes these late payments resulting in Experian violating my federally protected consumer rights. To add to this, I did NOT give Experian written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ).

It is clear that Experian has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

I am trying to get business funding and this incorrect information is directly harming my ability to do so.
Product: Debt collection

I had three credit cards through community bank ( Victoria secret, XXXX and elder beerman ) They were in the negative and past due. I called and settled these and paid them months ago and they are still on my credit report. I have sent community bank several messages and I have disputed it on all my reports and they have yet to take these off. I write them messages online and never get a response. I am trying really hard to get my credit up and buy a house and they are refusing to take this off of my credit report. I don't know what else to do. It would be different if I didn't settle or pay them but I did on all three of them. 
Victoria Secret- {$590.00} XXXX {$580.00} Elder Beerman-  {$680.00} I have done everything that I can do and these are the only negative remarks left on my credit report and these need to come off for me to be able to do anything.
Product: Credit reporting or other personal consumer reports

After conducting a thorough review of my credit report, I found several items that are inaccurate and require immediate correction. As stated under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. Additionally, under 15 U.S. Code 1681i ( 5 ), inaccurate or unverifiable information must be promptly deleted or modified.

I have identified multiple accounts and inquiries that are fraudulent and inaccurately reported on my credit file. Despite not authorizing or initiating these inquiries or accounts, they are appearing on my credit report and are negatively impacting my credit profile. Below is a detailed list of the accounts that require removal. 
Accounts to be Removed : 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 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 Equifax 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 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 XXXXXX/XX/XXXX / Removal date : XX/XX/XXXX Resolution Requested : Please investigate and promptly remove these fraudulent items from my credit report. These accounts are inaccurately reported, and their presence violates federal law as outlined in the Fair Credit Reporting Act ( FCRA ). Kindly provide written confirmation once these items have been removed, and ensure my file is updated accordingly. 
Thank you for your immediate attention to this matter.
Product: Credit card

ON XX/XX/2016 I PLACED AN ORDER ON XXXX IN THE AMOUNT OF XXXX. ALL HAS BEEN REFUNDED BACK TO MY PAYPAL ACCOUNT EXCEPT XXXX. THE ORDER WAS CANCELED ABOUT 30 MINS. AFTER IT WAS PLACED, AND XXXX STATED TO ME THEY WOULD STOP THE ORDER DUE TO A FAMILY EMERGENCY. XXXX DID CREDIT MY XXXX BACK, BUT HAS NOT CREDITED THE XXXX. I FILED MY DISPUTE WITH PAYPAL AND THEY HAVE CLOSED MY CASE LEAVING ME TO FOOT THE BILL. WHICH I WILL NOT PAY DUE TO THE FACT THE ORDER WAS CANCELED AND I NEVER RECEIVED THE ITEM. PAYPAL HAS NOT KEPT MY ACCOUNT CORRECT PLEASE SEE ATTACHMENTS.