23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo, On or about XXXX I lost my XXXX XXXX and had to go under a number of XXXX I had medical help and the help was instructed to pay all my bills but not to use my credit card or debit Card. Within the middle of the Illness my husband discover that most of my bills were paid off had high balances which cause my husband to investigate all my credit cards. He notice that I had a secured credit card With Wells Fargo with a limit of {$300.00}. The charges Were investigate and reported to the law enforcement Along with over 10 checking accounts that was in my name along with my husbands name. Later it was known that Wells Fargo made up False accounts And Im affective from this Scandal I await for the class action suit to take place to be awarded. And I was given a police report to give to all my card holders. 
Wells Fargo refuses to accept the police report and is continuing reporting a charge off on my credit report for {$83.00}. Please note that this was a secured account with a balance of XXXX. Wells never gave the {$300.00}. Of the secured amount back to me. Please I asked you to have Wells Fargo remove my name off the charge off. And return my credit back in good standing. Im asking for a complete investigation An up date report on the scandal with over 10 checking accounts that were open in my name did the bank issue my account monies that were taken out of my checking accounts. Wells Fargo need to stand for the error that they made to my account. They should be the ones who truly understand that fraudulent took place on my account because the company committed fraud with millions.
Product: Credit card or prepaid card

On XXXX my purse was stolen, I filed a police report immediately. I called Citibank and reported to put a stop on my credit card. The thief in XXXX department store ( in city of XXXX XXXX, California ) proceeded to use my Citibank debit/credit and made 5 different purchases. I went to XXXX and was told that they have video but the police would have to request it. Citibank gave me a credit for those 5 purchases but on XX/XX/2021 they debited my account more than six thousand dollars and said I was in possession of my credit card without no proof. I called them and asked them for a provisional credit until they investigate my case thoroughly but they are refusing it. They debited my account without any proof and saying I am the thief.
Product: Payday loan, title loan, or personal loan

They claim funds have been deposited in my bank account but there wasnt no funds I tried to call customer service but no one answered for hours then when they did they hand up right away this is a concern because they have my bank information and personal information
Product: Credit card or prepaid card

On XX/XX/XXXX, without prior notice or an explanation. Chase closed all my open credit cards with them. I have been both a personal and business customer with them for many years. I had both my business and personal accounts closed. I attempted to get an explanation from Chase and was only told that I had added too many authorized users to one of my cards. I explained why I added the authorized users and that I only had a handful of authorized users. I had added authorized users to that specific card because it was the one I checked most frequently so it was the easiest for me to monitor to ensure my users were spending appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked the credit bureaus XXXX, XXXX and Experian to do a through investigating of my report and correct any inaccuracies. They sent me a letter back from all XXXX  bureaus and stated that all the information was correct and accurate. I followed up and did my own investigation my self and found incorrect and inaccurate information after they did their investigation. 

I asked the reporting agencies to look into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In accordance to the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A. states that I have a right to privacy. 

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

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX of Inquiry XXXX XXXX XXXX Date of InquirXXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX  Date of InquirXXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card

I am filing a formal complaint against Bank of America regarding the denial of my application for an XXXX  XXXX credit card. Despite having an excellent XXXX XXXX ( over XXXX ), a high and stable income as a physician, a low expense ratio, no new credit accounts opened in the past 2 months and recently opening an investment account with a significant asset transfer to the bank, my application was still rejected. The reasons provided by Bank of America included " multiple accounts recently opened and limited or no deposit and/or investment balances with the bank. '' I find this reasoning inconsistent and concerning, especially as several friends with less favorable financial profiles and more recently opened credit cards have been approved for the same credit card. This raises a potential violation of the Equal Credit Opportunity Act ( XXXX ), which prohibits discrimination in credit decisions based on factors such as race, color, religion, national origin, XXXX, marital status, age, or receipt of public assistance. 
Given my financial standing, I believe the denial of my application may be discriminatory. I am requesting that Bank of America reconsider their decision and provide a more detailed explanation of the specific factors that led to the rejection of my application. 

I respectfully ask the CFPB to investigate this matter and help facilitate a resolution. 

Thank you for your attention to this complaint. 
Sincerely,
Product: Debt collection

I submited a Verification of Debt letter to all parties, XXXX and Equinox ( The Collection Agency ) that I do not owe XXXX or Equinox an alleged debt of {$9300.00} being reported ascac Charge Off Collection of a house that I legally and properly evacuated. In addition, I gave the XXXX XXXX XXXX a XXXX evacuation notice. 
The property management and I had worked out a payment schedule for the last month of rent that I owed, to be paid in {$100.00} installments until the debt was paid off. 
On the second month of me sending my payment, the XXXX returned by payment, unopened and send me strait to collections. 
I still have the original returned envelope and the money order ( See attached ) The Collection agency increased my debt from {$1400.00} to {$9300.00} and refuses to listen to me and take the collection of my credit report. 

Please help me. These companies have ruined my life! 

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

I received an updated copy of my XXXX credit report which shown a hard inquiry from Bank of America on XX/XX/2018 which I did not authorize. Bank of America has not given me written documented proof I consented to these hard inquiries as required per section 605 and section 609 of the federal credit reporting act and proof of accuracy of inquiries as required per section 623 of the federal credit reporting act..I have been a victim of identity theft in the past per my fraud alert on my XXXX   report
Product: Credit reporting or other personal consumer reports

I recently was offered a XXXXXXXX XXXX XXXX with XXXX in XXXX, Colorado. During my background screening it was brought to my attention that 3 older credit debt items included in a XXXX  XXXX bankruptcy I filed, has been relisted under a credit collecting company and were showing as current new debts, instead of showing included in XXXX  XXXX, with the original credit name, dates and amounts. 

The compliance department for HR for XXXX XXXX  requested details on these items, and this could potentially keep me from gainful employment. I am wishing to file this formal complaint and it is my request that all 3 credit companies remove those relisted old debt items that were included in my previous XXXX  XXXX filing, now showing as new debts in collection for XXXX, be removed immediately! 

Those companies are as follows. 

1. XXXX XXXX Financial- {$2300.00}, showing as a current charge off. 
2. XXXX XXXX- {$6700.00}, showing as a current charge off. 
3. American Profit/RecoveryXXXX XXXX XXXX- {$3400.00}, showing as a current collection item. 

I need this investigation to rectify this matter as soon as possible. I will use this complaint as proof of dispute as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stlen and someone had tried to open up cards and pull unauthorized hard inquiries with my credit. 
XXXX 1.XXXX XXXX 2 XXXX XXXX XXXX 3.XXXX XXXX XXXX   XXXX XXXX 4.Syncb/Walmart XXXX XXXX 1.XXXX XXXX, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 uscs 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. 

Feb-Retail XXXX XXXX  XXXX XXXX, 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, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also stated 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 and purpose.
Product: Student loan

I XXXX is XXXX I set up a payment plan with National Collegiate Trust with a balance of XXXX. I have made payments monthly to XXXX XXXX XXXX and they have recently called me to say I still owe XXXX as of XX/XX/XXXX. They refuse to settle this debt and explain why my balance is still original and refuse to send me a breakdown of my payments made. I ask these questions, am put on hold for lengthy periods of time and I believe someone is stealing my money between the two companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  's c lient  XXXX   XXXX   XXXX  is an identity theft victim. His information was used without his consent to apply for a SYNCB/Walmart account.  Two formal disputes o f this inquiry have been submitted to SYNCB/Walmart however the inquiry is still being reported to  XXXX .
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a mattress from Mattress Firm located at XXXX XXXX XXXX in XXXX, TX ( Store # XXXX ). I paid for this purchase in full, using my Visa credit card. I merely asked the sales representative, XXXX XXXX, if they offered any zero interest financing for the purchase and what the length of repayment would be if I were to decide to finance. He told me he would need to check what offers are available, and he asked for my social security number. After a few minutes at his computer, he tells me that they are offering 6 months No Interest if Paid in Full within 6 months. I replied that I'd rather just pay for the mattress in full that day, instead. At no point in our conversation were the words, " credit card, '' " application, '' nor " line of credit '' EVER mentioned, and I thought no more of the subject. 

Five weeks later, on XX/XX/XXXX, I was surprised and confused to find a welcome email from Mattress Firm congratulating me on my new Mattress Firm Synchrony HOME Credit Card. After then receiving a credit card in the mail from Mattress Firm & Synchrony Bank, I decided to go into the store to speak with XXXX XXXX as to why I would have been signed up for a credit card with Mattress Firm, against my wishes, knowledge, and permission. He claimed it must have been miscommunication, which is flatly false. Why would I want to apply for a store credit card with a monthly credit limit of {$6000.00}, when I had already purchased a {$3000.00} mattress -- something I only repurchase once every decade? At that point I asked him what he and his company would do to correct the error. He told me that nothing could be done, and instead recommended that I just close the credit card. 

This fraudulently opened credit card account has already negatively impacted my credit score, and I have absolutely no use for it. I never, at any time, authorized, signed for, nor agreed to open a new credit card at Mattress Firm on a whim. In fact the last time I applied for a new credit card was 5 years ago, and only came after careful deliberation, extensive research, and very clear and explicit authorization to open the account.
Product: Student loan

Have tried calling multiple times to get answers as to why my discharge has not been processed in over 2 years when over a year ago its stated on XXXX that the discharge was processed and awaiting services and to contact services in regards to said discharge.
Product: Money transfer, virtual currency, or money service

I want to file a lawsuit against Zelle through the CFPB because of their failure to provide adequate protections against unauthorized transactions and their lack of accountability in resolving disputes. Despite their claims of being a secure platform, I experienced financial harm due to fraud or errors that they refused to address. Their deceptive practices and inadequate consumer protections have left me without recourse, and I believe their actions violate fair financial practices. Taking legal action is necessary to hold them accountable and seek resolution for the damages caused.
Product: Debt collection

Affidavit of Truth This is a notice to all that I am XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, Indiana XXXX, XXXX, XXXX, swear and affirm the following facts. 
I am invoking my specialized remedy as a consumer under Federal Law 15 USC 1692. Of the Fair Debt Collections Practicing Act. As a Federally protected Consumer My privacy has been willfully violated ( 15 USC 1692a ). Unifund CCR , LLC. Is attempting to collect a debt that has not been authenticated nor verified by me the Consumer. No sworn testimony has been submitted that proves that this alleged debt is true and not subterfuge. Further I have never given permission for Unifund CCR , LLC. To have access to my personal information, nor contact me, 15 USC 1692c ( A ). 
This is my second attempt at correcting this matter. Again, I demand that all attempts to collect a debt be ceased! I demand that this alleged debt be erased from all Credit Reporting Agencies as it relates to my name. I demand that an apology be mailed to me, and that remedies be paid for the violations listed below, 15 USC 1692k. 
Exhibit # 1 : 1 ) 15 USC 1692b ( 5 ).

2 ) 15 USC 1692c ( B ).

3 ) 15 USC 1692e ( 2-A ).

4 ) 15 USC 1692g.

5 ) 15 USC 1692a.

6 ) 15 USC 1692e ( 5 ).

7 ) 15 USC 1692b ( 2 ).

Exhibit # 2 : 1 ) 15 USC 1692b ( 5 ).

2 ) 15 USC 1692c ( B ).

3 ) 15 USC 1692c ( B ).

4 ) 15 USC 1692c ( A ).

5 ) 15 USC 1692b ( 2 ).

Exhibit # 3 : 1 ) 15 USC 1692b ( 5 ). 

I have not received any sworn testimony from your offices that the alleged accounts are compliant and not subterfuge. I have Ccd the CFPB with my sworn affidavit of truth in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Suntrust/ Truist Bank to update the comments in my account that states that I am participating in a credit counseling program. Creditors are denying me credit due to this comment. I have reached out to back in XX/XX/2021 and XX/XX/2021 to Suntrust/Truist by phone twice and by mail and to no avail. I have even spoke with the credit bureaus to update and no success. I had my loan modified back in XXXX after my son died as a XXXX and I underwent hardship in my family life. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to start building my credit because I am close to the age where I want to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card i applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown item that do not belong to me. Please remove these fraudulent items from my report. XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX {$390.00}
Product: Money transfer, virtual currency, or money service

For almost a year, I have been trying to get Regions bank to reverse these fraudulent debits to my account. Below is a short description of what happened. 

On XX/XX/year> I received an email alert from Regions Bank informing me of an unusual login to my online banking accounts from a browser that I don't use. I immediately visited a local Regions Bank branch and explained to them that obviously someone had gained access to my online banking. I asked them to place a " no debit '' on my accounts to stop any transactions from whoever had gained access to my accounts. Regions Bank WOULD NOT place a " no debit '' on my accounts and the next day {$72000.00} was transferred out of one of my checking accounts. 

NONE OF THIS WOULD HAVE HAPPENED IF REGIONS BANK WOULD HAVE PLACED A " NO DEBIT '' ON MY ACCOUNTS LIKE I ASKED THEM TO! 

I HAD PROOF THAT SOMEONE HAD GAINED ACCESS TO MY ACCOUNTS AND THEY IGNORED MY REQUEST AND WOULD NOT PROTECT MY ACCOUNTS. 

I have asked Regions Bank to refund the money, since they did not protect my accounts like I asked them to. They have refused to do so.
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 15 USC 1681. XXXX XXXX XXXX Bankruptcy -Reference XXXX XXXX Account XXXX : XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX Untitled Medical Collection Account number : XXXX Untitled Medical Collection Account number : XXXX Untitled Medical Collection Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : 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 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 card

Applied with American Express business card/account and then they denied the application. 

Based on the equal credit opportunity act ( regulation B ( 12 CFR part 1002 ) And title 15 us code 1691 ( ECOA ) - prohibiting credit DISCRIMINATIONS!!!!! 

There are in violation of these stated above. 

I was discriminated against based upon what they assumptions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX  XXXX ), XXXX  Account # XXXX ( XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX ), XXXX Account # XXXX ( XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX ), XXXX  Account # 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 a account without my written instructions