23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

As A Wells Fargo customer for 25 years, I was sent information for a pre-approved Wells Fargo Rewards Credit Card. So, I applied and was accepted. I wanted to take advantage of the benefits and consolidate some debt. 

I had the account for a few months, awaiting a decision on which other credit cards would be in my best interest to consolidate. I, then, received a letter from Wells Fargo stating they closed my account. I called customer service and the representative explained it was due to inactivity. I explained that I only had the account for a few months, but the decision was policy. 

I asked to speak to a supervisor and received the exact same answer, so because I have a good relationship with the bankers at my local branch, I decided to speak to them. 

I called my branch and spoke to XXXX and she was very helpful. She made an appointment with me to speak to a banker, in person, the following Monday, XXXX XXXX, 2016. 

When I arrived, we called the XXXX number, as I had done before, and the answers were still the same. So, the end result is : 1. Wells Fargo closed my account due to inactivity. When asked what the criteria or time-line was for closing an account, the representative stated their were many reasons for closing an account at anytime, but could not produce XXXX reason. 
2. By closing my account, this will affect my credit negatively, when I did nothing to warrant either my account to be closed or my credit to be affected. 
3. The representative said I could always re-apply, thus running a credit report and affecting my credit. I was already approved, Why should I have to re-apply? What gives Wells Fargo the right to negatively impact my credit, when I have been in compliance? 
4. Upon investigating my options from competitive banks, I will be withdrawing my funds immediately from Wells Fargo. After 25 years of service and commitment, I expect the same from my bank. 

The ONLY remedy I will expect from Wells Fargo is to re-activate my Wells Fargo Rewards Credit Card with a letter of apology and commitment to excellence to me and their customer base.
Product: Vehicle loan or lease

5th/3rd bank approved me for a auto loan from me buying out my lease with the original auto company. XXXX XXXX ( XXXX ) told me that 5th/3rd Bank would mail me the documents to make the payment set up. Approved for the loan on XXXX of XX/XX/XXXX but 5th/3rd Bank failed to send any loan documents for payments until I called on the XXXX of XX/XX/XXXX. 

Had to call 5th/3rd customer service rep to have them send the loan/account set up documents out. I was told by the customer service rep that they hadnt planned to send the documents until I reached out. I will be late for my auto payment on the XXXX of XX/XX/XXXX if I dont receive the documents on time. As of the XXXX I had yet to receive any communication from 5th/3rd. 

I have yet to receive an account/loan number for my new loan document.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated i

n 15 USC 1681c ( a ) ( 5 ). According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the
person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

I closed on my home in XXXX of 2015 and this month I received a notice from my mortgage company ( Guild Mortgage ) that I had a trust shortage. I called the mortgage company and they told me that because of the shortage my mortgage was reconfigured to cover the shortage. My payment went up over {$360.00} a month.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.Please delete the items as soon as possible to correct my credit report. It's affecting my life for being inaccurate.
Product: Debt collection

i got a letter from PayPal inc charging me {$99.00} from nowhere? 
i dont know why they are cahraging me that amount? 
First, i dont have credit with paypal inc second, i buy on XXXX, XXXX but my debit card is charged every time i use it. 
please help me avoid this scam
Product: Credit reporting or other personal consumer reports

I requested that XXXX, TransUnion, and XXXX to remove unmailable addresses and unreachable phone numbers and improper names off my consumer credit report that was not done. There should only be XXXX name XXXX mailable address and XXXX phone number and employment on file. 
Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Privacy Act of 1974, 5 U.S.C. 552a, I am formally requesting the removal of all unmailable addresses and personal names from my credit report. Additionally, I am invoking my rights under applicable Code of Federal Regulations ( CFR ) provisions to ensure that my private information is not improperly retained or disseminated.

According to 39 CFR 111.5 and 39 U.S.C. 3001, unmailable addresses should not be maintained in records that affect consumer reporting. Please ensure the immediate deletion of any such entries from my credit file.

Under the Privacy Act of 1974 ( 5 U.S.C. 552a ( e ) ( 7 ) ), federal agencies and entities handling personal data must ensure the accuracy, relevance, timeliness, and completeness of records. The maintenance of outdated or incorrect addresses constitutes a violation of these principles.

16 CFR Part 601 mandates credit reporting agencies to take reasonable steps to ensure consumer reports are accurate and up to date. Failure to do so exposes the agency to potential civil liabilities.

As per 15 U.S.C. 1681c, obsolete information must be excluded from consumer reports. Any name variations or incorrect names should be immediately deleted to prevent inaccuracies and fraudulent misuse.

The Fair and Accurate Credit Transactions Act ( FACTA ), which amen
ds the FCRA, grants consumers the right to request the removal of incomplete or incorrect personal data ( 15 U.S.C. 1681i ( a ) ).
Product: Credit card or prepaid card

I have a debit card through Chime bank card. I filed a dispute with a company that I have patronized weekly/ bi-weekly with my debit card. I got services from the merchant, XXXX XXXX, in XXXX XXXX, XXXX. On XX/XX/2022, I got a full, fresh new acrylic nail set. This set is supposed to last XXXX XXXX XXXXXXXX weeks before needing a fill. Within the first week my nails were splitting. This is not normal because I have been getting my nails done for XXXX XXXXXXXX years. The nails were just not done correctly. They were filed unevenly, not enough acrylic added, gaps, lifting and therefore causing damages to my real nails. The nails were hurting and splitting in the middle of my real nail bed, I was advised to cut the nails off. My nails have to be manicured at all times for business purposes. I have a business and have lost money due to me not being able to get my nails done. I have to let the damages to my real nails grow out before getting them redone. I can not take pictures and have lost revenue. I opened a dispute with Chime Monday, XX/XX/2022, and Chime closed the dispute before the thirty days were expired not following the Federal trade Commission 's policy for disputes. The dispute was to be opened until XX/XX/2022. The dispute was closed before giving me any details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that the extended fraud alerts and security freezes be removed from my credit reports. I am trying to see if I am eligible to receive financial for a emergency medical procedure. Having the above mentioned placed on my credit reports has been a major inconvenience. Can you please removed it as soon as possible. Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX I used my credit card to make a purchase on XXXX. XXXX left the items on my porch and they where stolen. I contacted XXXX they said they give a full refund and they had the item returned to them. I have screenshots of the conversation with XXXX. So I called my credit company and they issued me a credit back on XX/XX/XXXX come XX/XX/XXXX they put the charge back with a letter stating they XXXX sent proof that the item where delivered to my porch. Which through both company I should be covered under purchase protection. I made a police report and both companies saybits still not enough. I called the credit card company " wells fsrgo propel '' they said they would reopen the case and to submit any supporting documents I did that on XX/XX/XXXX they responded XX/XX/XXXX denying the claim again. I called again they said the claim had been closed since XX/XX/XXXX. So they never reopened the claim. They also neve advised my on any documents that there was a dead line to submit any supporting documents. I have read there terms and conditions which state I'm covered if a package is stolen.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responded within 24 hours stating the account is accurate without providing any evidence of a thorough investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer financial protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation. 

Please investigate all accounts associated with Equifax XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX - ( XXXX ) *Please remove Negative Inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT GIVE US DEPT OF EDUCATION CONSENT TO REPORT ANYTHING TO ANY THIRD PARTY AFFILIATE THAT DOES NOT HAVE A BINDING CONTRACT WITH MY WRITTEN CONSENT TO REPORT MY NON PUBLIC INFORMATION. US DEPT OF EDUCATION FRIVOLOUS AND WILLINGNESS TO VIOLATE MY RIGHT TO PRIVACY HAS CAUSED A TREMENDOUS AMOUNT OF DAMAGE IN MY LIFE. IN PURSUANT TO THE GRAMM-LEACH BAILEY ACT I WAS NOT GIVEN THE NOTICE TO OPT-OUT OF THIS SHARING OF MY NON PUBLIC PERSONAL INFORMATION. I DEMAND THAT THE US DEPT OF EDUCATION HEREBY BLOCK THE ACCOUNT THEY ARE FURNISHING IN RESPECT TO PROTECTING MY PERSONAL INFORMATION AS IT IS THERE DUTY.
Product: Credit card or prepaid card

I applied for a XXXX of XXXX Chase XXXX. The promo I wanted was to get additional qualifying nights at XXXX. The criteria was to apply for the card by XX/XX/XXXX and the promo for the qualifying nights was for stays from XX/XX/XXXX - XX/XX/XXXX ( See documentation attached ). I didnt get this promo, instead I was given a different promo for extra points for spending on the card ( I would never do this, I use a different card for airline miles ). It did include a {$300.00} statement credit, which I received, but it was not what I wanted. Chase could not explain why I would not have qualified for the promo that I wanted ( and there was no choice of promos when I applied. They will not reverse or change the promo. I think this is called Bait and Switch and the promo I got was to promote more spending on the card, a good benefit for them, but not for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. Despite our numerous previous attempts, I regret to inform you that these issues still persist. I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. I understand that resolving such issues may take time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. With this, I am asking for your assistance to remove the accounts : XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please fix it immediately. 

XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX. XXXX XXXX XXXX XXXX : {$200.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XX/XX/XXXX, I ran a credit report on myself and saw there was a missed payment on an account I never opened XXXX my wife opened an account with Comenity Capital Bank " Your Tuition Solution '' in XX/XX/XXXX. Up to XX/XX/XXXX, I had never received any statement in the mail or online ( again, I didn't even know the account existed ). I called Comenity Capital Bank and while they could verify me by my social security number, they refused to give me an account number. 

Since XX/XX/XXXX, I have written Comenity Capital Bank on seven separate occasions, per their request, to dispute the error ; to date, they have never responded and have not removed the " late payment ''. 

On XXXX XX/XX/XXXX, I spoke with " XXXX '' at Comenity Capital Bank and she stated there was no way they could provide me an account number. When I informed them I was revoking their automatic debit of my account, XXXX stated that Comenity Capital Bank was not automatically debiting my XXXX Checking Account. I explained to XXXX that I had confirmed with XXXX that there was no " automatic bill payment '' coming from my account. She then changed her story and said it was a handwritten check. I told her that I was looking at an electronic, auto-drafted check ( # XXXX ) from Comenity that was being credited to my Comenity Account ending in XXXX. She then went silent for 2-3 minutes before coming back on the line and restated that there was nothing they could do and there was no way to provide me an account number. Additionally, I informed her that I had not received any paper statements since XXXX XXXX. 

I had no knowledge of this account being set up or how it was being drafted from my bank account. It was only when I conducted a credit check that I found out about the account.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : personal information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( i ) 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.

And according to 15 USC 1681s-2 they are suppose to 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

On XXXX XXXX I lost my self credit card various charges were made without my knowledge. I reported the card lost/stolen to the company when I made my monthly payment on XX/XX/XXXX. This I a card I don't use nor check very often however I did know I had an outstanding balance however it was not the amount that was being reported. The company issued me a credit and told me it was going to be taken care of. About a month later the credit was reverse and the company would not give me a reason as to why. The representative I spoke kept insisting this was a " back office issue '' however there was not way for me the owner of the account to get any further details. It was recommended I dispute the transaction once again. I did. I repeatedly did these step 4 time each time being met with sorry we just have to keep disputing it. No reason was ever given. And after not paying the balance of the unathorized transactions the company closed my account and posted the fund used to open this secured card as payment towards the past due balance. There was a remaining balance of XXXX dollars which has been accumulating late fee and intrest charges since then. Self lending has been reporting this closed account as delinquent for the last 3 month even though I have filed a dispute several times and they keep being rejected this has now affected my credit score they kept XXXX of then deposit and the keep calling me stating I need to pay off the balance even thought i informed them everytime those were fraudulent charges