23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

For several months Regions Bank has charged me fees for paying overdrafts on charges they rejected and charged an NSF fee on. Each fee is {$36.00}, so I'm being hit with a {$72.00} fee for everything they return. It's costing me hundreds.
Product: Credit reporting or other personal consumer reports

XXXX still reports all of my student loans, even though the account has been transferred to XXXX. Please delete all XXXX accounts from my credit reports, as they have caused me severe financial hardship and denied me access to credit. All accounts from XXXX contain incorrect and outdated information and should be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Unauthrized deposit to the checking account at Wells Fargo Bank
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Bank of America allowed multiple fraudulent deposits into my account. We were the victims of this fraud. Bank of America closed our account and kept our funds. Because of this, we have been unable to open any account for a year. They also allowed XXXX, XXXX dollars to be removed from our account without being able to tell us where it went. They alleged it went to IRS. According to our tax attorney, IRS never received that money
Product: Credit reporting, credit repair services, or other personal consumer reports

In all the years that I've been doing business with companies, I have never talked to anyone from these creditors. I did not purchase anything from them. I do not recognize these companies and I do not owe them, remove this from my credit report ... XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Gentlemen, My name is  XXXX   XXXX , I have been a Home Depot Credit Card ( Thru Citi Bank  ) h older for  XXXX  years. Never have been late. always paid on time. I had a  Credit Limit o f {$3000.00}. My balance was  XXXX . I had n't use it in awhile and also closest store is  XXXX  miles away. I used it in  XXXX  of   XXXX   and charged about  XXXX . And then exactly  XXXX  days later I get a letter that they decreased my  Credit Limit  to {$500.00}! I was so angry! I called them and they claimed they did an update and looked at my Credit Report and based it on other Creditors! I did n't give them permission to run my Credit again. They told me I had to try to get a credit increase based on an application for an approval? Of course they denied me!! I 'm very angry and disappointed! I never have been late and always on time! They are discriminating me! It 's not right! I contacted everyone and they wo n't do anything!!   Please help! I appreciate it!   Warm Regards,  XXXX   XXXX
Product: Student loan

I attended XXXX University in XXXX, PA. 

I am filing this complaint with the XXXX as well as Wells Fargo in hopes that something will be done about this process before legal action is taken. I am currently making the minimum monthly payments on my student loans which I consolidated with Wells Fargo in hopes that I would get a lower interest rate and/ or payment. 
My payment is {$320.00} per month, and while this may be affordable to some people, I only make {$35000.00} a year. I ca n't afford to pay for this loan payment on top of all of my other bills, utilities and student loan payments. 
I tried to get forbearance for my loans at the beginning of the year. I called and asked to have the forms sent to me in XXXX. I waited 2 weeks, and nothing was sent. I called again in XXXX. Again I waited, and nothing was sent, I called again, and finally received the forms in the mail. I was told that if I was granted the forbearance, then the past due balance on my loans would be " reset, '' and I would not have to worry about it. 
Because of this, I allowed the past due balance, and late fees to accrue. The process for my student loan review took more than 2 months, and I was eventually told that my request was denied. I was devastated because my credit score had taken a major hit due to these loans, and I was in the process of getting reviewed for a home equity loan. 
Because of the bad information that I was given by Wells Fargo, my credit score is extremely low because I can not afford to pay the past due payment, my home equity loan was denied, and I am forced to continue to accrue late fees, and penalties. 
I hope that your representatives will be more honest with the process in the future, and I also hope that you will make the process shorter for payees who need payment assistance. 
I have made every reasonable effort to resolve this issue, but Wellso Fargo will not accommodate any of my requests.
Product: Credit card

DIVORCING SPOUSE MADE BALANCE TRANSFERS IN EXCESS OF {$17000.00} DURING NYS AUTOMATIC STAYS PERIOD. SHE ADDED HERSELF AS AN AUTHORIZED USER ON TWO OF CITIBANK 'S CREDIT CARDS -- CITI DIAMOND AND SEARS MASTERCARD. 
WHY WOULD BANK TRANSFER FUNDS TO HER INDIVIDUAL ACCOUNTS? THIS IS STEALING AND FRAUD.
Product: Credit reporting or other personal consumer reports

I have tried to sign in to the website and it does not allow me to do so stating that my password is incorrect which by the way is impossible, as when I made the account I used a password program which saves all my passwords, is installed and fills out every password on the web for me. when I try to use the " forgot the password feature '' and request a code to be sent to my phone, nothing comes through. When I try to call them and resolve the problem, their automated system does not even have an option to unfreeze my credit file and it states it can not transfer me to a representative either. As you can see I am in a never ending cycle ( AKA viscous cycle ) and there is no way in the system to get through and solve the issue. I have tried downloading their app on my phone and signing in that way which again gives me error message and asks me to sign in in a different way. I started this process at XXXX XXXX  on XX/XX/year> and right now at XXXX XXXX  it is still unresolved. I need to buy a car and the dealer is asking me to unfreeze all three credit bureau files. I guess I won't be able to drive to work for some time as I had to return my leased car today and my purchase of a new car is just not possible because this bureau does not care about my time or my life.
Product: Credit reporting

Experian allows XXXX XXXX XXXX to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/2016
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : URGENT Dispute Request Inquiries, Collections, and Inaccurate Reporting ( FCRA 605B, Metro 2 Compliance, CDIA Guidelines ) I am writing to dispute inaccurate, unauthorized, and unverifiable accounts, collections, and inquiries appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), Metro 2 Compliance, and Consumer Data Industry Association ( CDIA ) guidelines, you are required to investigate and delete any item that is inaccurate, outdated, unverifiable, or fraudulently placed on my report.

Additionally, under FCRA Section 605B, I am demanding an expedited block and removal of a
ll disputed items as I was a victim of the Equifax data breach. Because my personal information was compromised, it is possible that unauthorized accounts and inquiries have been fraudulently added to my report. You are legally required to remove these items within four ( 4 ) business days to comply with federal consumer protection laws. 

XXXX. Unauthorized Hard Inquiries ( Must Be Removed Immediately ) XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX inquiries were not authorized, and under 15 U.S.C. 1681b, a credit bureau may only report inquiries that have permissible purpose. Because I did not initiate these inquiries, they must be removed immediately.

2. Inaccurate and Unverifiable Collection Accounts ( Must Be Deleted Per FCRA 1681i ) XXXX XXXX XXXX {$1500.00} ( Experian & Equifax ) XXXX XXXX XXXX {$1300.00} ( Experian & Equifax ) The Bureaus ( XXXX XXXX XXXX XXXX. ) {$520.00} ( All Bureaus ) These collection accounts do not belong to me, are unverifiable, and have incorrect reporting. Under FCRA 1681s-2, if a data furnisher can not provide documented proof from the original creditor showing my direct liability, the accounts must be permanently deleted. Furthermore, these accounts may violate Metro 2 Compliance reporting standards, requiring immediate correction or removal.

3. Incorrect & Outdated Personal Information ( Must Be Updated for Accuracy ) My only current address is : XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX Any other addresses listed on my credit report are outdated and must be removed. 

Legal Notice of Compliance Deadline Per FCRA 605B, you are required to remove fraudulent items related to identity theft within 4 business days of this dispute. If these items are not deleted or corrected, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), State Attorney General, and pursue legal remedies for non-compliance.

Please send me a corrected copy of my updated credit report once these deletions have been made. If further information is needed, you may contact me at the details provided above. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report back 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. These accounts listed : XXXX XXXX ACT # XXXX XXXX XXXX XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX XXXX XXXX ACT # XXXX XXXX XXXX ACT # XXXX are not complete and accurate.

ACCOUNTS - open date is not reporting correctly, date last active, date of last payment is not correct, account number is not accurate, and payment history is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are erroneous and they threaten my livelihood. ( - # XXXX ( # XXXX ) ) XXXX ) XXXX XXXX XXXX # XXXX ( # XXXX ) XXXX ) XXXX 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 XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Debt collection

I wrote AFNI and the never responded to my request for information and legal validation of this alleged debt.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that upon reviewing my credit report, I have discovered several unauthorized credit inquiries that indicate potential identity theft. The following inquiries were identified : XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this follow up CFPB complaint today to inform you again that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX , AR XXXX ; XXXX XXXX  XXXX Balance Owed : {$6800.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$11000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX XXXX  XXXX Balance Owed : {$640.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have held account with Kohl 's for over XXXX years. Recently on XX/XX/2021 I was paying for products at the register and wanted to use my Kohl 's account. Because I didn't have my charge card I was requested to enter my social security number into the computer console. I have done this several times in the past in the same situation and had no problems. I was surprised when my account was rejected. At the time I didn't think much of it and paid with my debit card. 

Today I received a credit report from XXXX stating I had been rejected for a new account with Kohl 's. I never had any intention of applying for new credit with Kohl 's but rather use the account I've had for XXXX years. This was a deceptive practice by Kohl 's in doing this. I never filled out any application for a new account. Why would I apply for new card if I already had an account. This is frustrating and I want this credit inquiry removed. I monitor my credit closely and avoid doing anything to negatively impact my XXXX XXXX. 

Not being able to dispute this inquiry through the credit bureau is completely ridiculous and outdated. What are customers supposed to do when this occurs improperly? 

Additionally there were statements on the credit letter for denial reasons that were wildly inaccurate such as my current XXXX XXXX, ration of income to debt and the fact that I've had too many inquiries. The only inquiry on my credit file is from last year when I bought my XXXX a new car. ( Otherwise XXXX. ) Is there no accountability with the credit bureaus for customers and there information?
Product: Checking or savings account

HUNTINGTON BANK CLOSED ALL SIX OF MY BANK ACCOUNTS, ONE SAVINGS AND FIVE CHECKING. THEY SENT US A REGISTERED LETTER WHICH WE RECEIVED ON XX/XX/XXXX. WE HAD UNTIL XX/XX/XXXX BEFORE THEY CLOSED ALL OUR ACCOUNTS. THE LETTER THEY SENT US STATED THEIR REASON AS " ACCOUNTS EXCEED OUR RISK TOLERANCE. '' THEY WILL NOT EXPLAIN RISK TOLERANCE AND WHEN WE TRIED TO PULL THE REST OF OUR MONEY TODAY, XX/XX/XXXX, THEY PUT A HOLD ON OUR ACCOUNTS AND NOW WE HAVE TO WAIT UNTIL THEY MAIL US A CHECK, WHICH MAY TAKE UP TO TWO WEEKS. WE NEED OUR MONEY NOW. OUR DIRECT DEPOSIT ACCOUNTS ARE NOW MESSED UP FOR TWO MONTHS. THEY NEVER GAVE US ENOUGH TIME TO SWITCH BANKS. THEY WOULDN'T RETURN PHONE CALLS FOR FIVE DAYS AND WOULDN'T GIVE US THEIR NAME EITHER, IT IS TOP SECRET TOO. WE HAVE BEEN DOING BUSINESS WITH THIS BANK SINCE XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank sent a letter stating they are closing my account. Their decision is based on " activity on accounts with Synchrony Bank indicated of high risk of failure to pay. When I spoke to 2 associate and a supervisor they kept going around how they took my financial debt history and creditors and based on my history they feel that I won't be able to pay the Bank. I even told them, I understand that when I signed up the bank has the right to close my account if I am the consumer who is not paying the debt on time or abusing it. But I do pay my bills on time and more than what I owe. So I asked them to help me understand why they are labeling me as a high risk of failure to pay. I want the report a copy of the report they used on me. 

I told them that their study on me are wrong based on these factors and that they insulted me : 1. I am paying my bills on time and more than what the minimum fee requires. 
2. The Bank gave me 60 months to pay the debt with 0 % APR.

3. My account history has been good and no negative note or any late fee has been charged on me. 

When I asked for the report that they told me, they can not provide the report that I need to connect with CFPB. I asked for the information and they said that the letter gave detailed information. I said that is another lie as it only has the mailing address of CFPB. I knew the associate would say " XXXX '' the information. So I said : if this is a very detailed information then where is the website or phone numbers on this letter. This letter is not detailed at all. So I have to do my own research just to connect with CFPB. I asked them to send me a letter as they will report this information to the credit with a negative effect on me when it is not. Their " study '' data on me are false. My credit history are good and it's just this Synchrony Bank that is giving me the negative report when it is untrue
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitted statements to Equifax and XXXX stating that my information had been used to obtain a loan fraudulently. 

They still claim the loan in question was made by me and not through fraud. I called to get the fraud form that they stated needed to be filled out and yet harassed me when I called to do so. They claim on one side they have this call recorded yet once again claim that this call doesn't exist. 

I have filled out all the reports that they require. They refuse to remove the item from my reports yet have no problem reporting fraudulent activity on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  subserviced by LoanCare account number XXXX. I am having issues with this Mortgage Company as of XX/XX/2021 the account is finally payed in full after numerous phone calls and holding my final payment in suspense for almost a month. As you can see I have payed off over XXXX in the past two months. This company reported a missed payment in XXXX after an initial XXXX payment. REALLY?? After speaking to 5 associates I was assured by all, that this would be taken care of. Well guess what it hasn't and my credit has dropped by over XXXX points. We were looking to buy a new home, but can't because of my current score.