23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Citi credit card customer for 4 years. Pristine record until the day I switched my banking relationship and forgot to update the auto-pay info with Citi and was charged {$31.00} on a {$31.00} account balance. Customer service was horrible. In fact, horrible is an understatement which led me to close the account. ( {$22000.00} credit limit ) and an existing brokerage, IRA relationship totaling {$600000.00}. Yep that 's right for {$32.00}. Never again will I do business with Citi, especially that the level of customer service has taken a nose dive from where it was. Poor command of XXXX, the person sounded like she wanted to get rid of me, transferred me 2 times to the wrong person and seemed to care less if the issue was solved. Great job Citibank!.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted evidence that they are reporting incorrect information on my XXXX accounts and they still found nothing wrong. Shows late payments when the account is under forbearance.
Product: Credit card

Citibank closed all of my XXXX credit cards without any reason and without any warning. 
They also confiscated all my Citi Thank You Points earned with these cards. 
I have not violated any rules and I do not see any reason why my cards could be closed and points confiscated. 
It looks like confiscating my points was the only reason for doing that. 
I have paid {$95.00} annual fee for XXXX cards each and {$350.00} annual fee for another card! 
I believe it is not legal and all my points should be reinstated and annual fees refunded.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is still reporting a balance {$560.00} as of XX/XX/year> on my Equifax credit report. The account was paid in full XX/XX/year>. Equifax is reporting incorrect information.
Product: Debt collection

On XXXX XXXX, 2015, I wrote a letter to Enhanced Recovery requesting that the debt they say I owe be validated ; not disputed, but validated. I asked that their office provide me with competent evidence that I have any legal obligation to pay them. I requested that they send me the following items : What the money you say I owe is for ; provide a detailed list of any and all services or goods purchased and a line by line itemization of charges. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the statute of limitations has not expired on this account. 
Show me that you are licensed to collect in my state. 
Provide me with your license numbers and registered agent. 

I demanded that they send me a deletion letter immediately if they could not provide me with competent evidence that I have any legal obligation to pay. 

Enhanced Recovery did not send me anything but a balance amount and a dispute letter. This is not what I requested from their company. If they can not validate this debt with evidence, I demand that this debt be removed from my credit report and a deletion letter be sent to me immediately. 

I have attached a copy of my letter I sent and a copy of their letter in response to me.
Product: Credit card or prepaid card

Opened business credit card account with Citizens bank ( all of my banking and mortgage are with them, so I accepted when representative offered me business credit card ). I always make my monthly payments on time and have XXXX XXXXXXXX app on my phone because I like to keep my credit perfect. I always check the app monthly and app shows my " card '' ending in XXXX balance is XXXX. I received a statement from Citizens for a bill of almost XXXX $ for acct ending in XXXX. I did not recognize account XXXX, i do not have a card ending in XXXX. I surely did not spend XXXX $ and I pay my account off every single month. I called Citizens credit card department and was told that XXXX is the revolving account and XXXX is just my personal card for that account, and that the card resets every month?!?!? I have no idea what they are talking about and I have never heard about this before. I have never received a bill for this XXXX $ before and now they said they reported my credit twice!!! I feel that I was misled into this card, the {$1000.00} in fees they added to the account and the credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ad Astra Recovery Service is currently reporting an account it alleges I have with them. 

I have previously asked them to provide me with documentation that would provide both validation and verification. All that was provided was an account with payment dates. None of these pages have an original signature from me. 

Nor have they provided any documentation to me which even proves that they acquired the date, the manner in which they acquire it and how much they supposed paid for said debt. 

Furthermore, while I had not considered legal action, if the paperwork is not provided to me, I will file suit with the FTC and other agencies to resolve in one manner nlt XXXX XX/XX/2021 as I have been waiting almost a year now for them to provide me a signed document where I contracted them to do any business with or for me. Or any document where and how they acquired this debt.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts have been reported on my credit file. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent accounts be blocked and deleted from my credit report : Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX at XXXXXXXX XXXX Mandarich Law Group contacted me in regards to a debt by XXXX XXXX XXXX XXXX for a credit card debt. I was advised by the representative on the phone that he was seeing what he can do to secure an agreement before the file lawsuit on this debt. From research under California Law a creditor can attempt to sue on a debt when it has been less than 4 years from the date of last delinquency or last charge. My last payment was XX/XX/XXXX. This has now been over 4 years since the last payment or charge. Yet I am being threatened with a lawsuit. I would like all information on how they are able to sue on a debt past 4 years. I will need all this information so I can present to my representation and figure out how we need to proceed.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX SENT OUT DISPUTE LETTER TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX WITH TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE I DEMANDED AN IMMEDIATE INVESTIGATION AND CORRECTION UPDATE ACCOUNTS AS PAID AS AGREED OR REMOVAL OF THE FOLLOWING : XXXXXXXX XXXX - XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX AND XXXX NEW, OLD INQUIRES. REASON FOR DISPUTE ACCOUNTS IS UNSUPPORTED BY ANY ORIGINAL, SIGNED CONTRACTUAL AGREEMENT. WITHOUT THE ORIGINAL CERTIFICATED SECURITY THE ACCURACY OF THIS ENTRY CAN NOT BE ASSURED.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I have saving and checking accounts in Wells Fargo since XX/XX/XXXX. I have transferred over 600 k usd from overseas to make investment in the US.
I have visited XXXX NJ branche many times and made some banking operations. Last one was in XXXX XXXX  2017, XXXX, New Jersey. I explained branch officers that I live out of the USA and I sometimes need to make international wire transfer from my Wells Fargo Accounts to my personal accounts in banks like XXXX in the XXXX or XXXX ind XXXX. They said I am free to make transfers.
Now I live in XXXX, I cant make wire transfer to my XXXX XXXX of XXXX account. I tried every single option of on-line services, but somehow the system has stopped me and gave try it later message. I called WF customer service here from XXXX but the agent said me unless I visit one of branches physically they ca n't allow to move money. Wells Fargo does not help me, and they do not care about me. I am here with limited money. I have to use Wells Fargo debit card, they frequently charge international purchase transaction fee for each transaction. Moreover, they are converting currency lower the rates.
I attached XXXX 2017 Online Statement for your review.
I want to begin a complaint process about Wells Fargo regarding their attitude to me.
Wells Fargo Branch : XXXX XXXX XXXX, XXXX, NJ, XXXX Everyday Checking Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are quite a few hard inquiries showing on my credit report that was not authorized by me and therefore I am asking the credit reporting agencies to please delete them. The only ones that I know of are 1. XXXX XXXX XXXX  XXXX 2. XXXX XXXX XXXX   .3XXXX XXXX XXXX The other hard inquiries was not authorized by me.
Product: Credit card

Capital One closed my account as noted in complaint XXXX. I paid the account off to a XXXX balance, and after that, Capital One charged interest to my account. Because the account was closed this was never brought to my attention through a statement, bill or the like. I only became aware of this through credit monitoring for the late payment. I received no communication from Capital One about this balance, so it seems predatory to report a balance over due that the consumer is not ever made aware of. 

All fees and interest have been paid.
Product: Debt collection

Never received any communication from XXXX XXXX ... then I get hounding from Portfolio Recovery..also received one letter .. thats it .... Now I am getting inquiries from the XXXX XXXX in XXXX..XXXX XXXX XXXX..again with very little information. I answered the initial letter from XXXX XXXX XXXX..stating I am disputing the debt.. asked for all of the appropriate documents as stated..including signed credit agreement..how PRA came to own the debt..or does XXXX XXXX XXXX own it.. 

The companies have not, in my opinion, working in good faith. Since I am retired, all my income is from SSI and state retirement..exempt..own no savings. I am talking with a bankruptcy attorney.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as XXXXvidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing you this notice to update the information in my consumer report. See below for my accurate personal information. 

Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX SS # : XXXX Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX I have lived at this address since XXXX, XXXX Telephone : ( XXXX ) XXXX Please correct my personal information and remove every other information different from the information provided above from my consumer report and mail me an updated copy of my consumer report. 

I appreciate your prompt attention to this matter, and await your reply.
Product: Checking or savings account

XX/XX/ my account was frozen because file XXXX XXXX due to job loss.
Product: Checking or savings account

An affidavit regarding two lost payments from Wells Fargo Remediation was located recently, previously lost, filled out and sent in to Wells Fargo Remediation. Affidavit was sent to me in XXXX The payments in question are in the amounts of {$5100.00}, {$690.00}, intercepted by person ( s ) now living at prior address, I believe. Wells Fargo sent payments to address after I moved in XXXX of 2020, sent in XXXX and XXXX of 2020. Previously, Wells Fargo reps replied to numerous past CFPB complaints regarding these missing payments by stating they were cashed in which case, not by myself.. It appears their extent to addressing issue is solely referring to them as cashed, no mention of affidavit sent in XXXX. Also, they refer to prior replies which also state the same, payments cashed.. Further, neither payment covers damages sustained by Wells Fargo reps opening checking/savings accounts I did not need or want, under the premise to be used for bill pay when only one account is needed for such service. Wells Fargo reps also refer to a letter sent agreeing to phone mediation payment amount of {$500.00} with IRS taxes totaling {$690.00}, this letter was also sent to prior address after moving, never received and not signed by myself.. Needless to say, Wells Fargo reps have not addressed issued detailed above. Most recently, I've been calling Wells Fargo Executive phone bank to resolve issues, reps refer me to XXXX XXXX and or open a case which is closed out, nothing done in re. Please note, the XXXX XXXX has no information regarding payments mentioned, this is a run around given by reps at phone bank. This settlement has nothing to do with XXXX, third party whom issues checks on behalf of XXXX XXXX I've also called the Executive Office, referred to an XXXX XXXX whom stated she would reply to prior CFPB complaint, would not speak directly about issues. The number I called is XXXX, which I learned today is the dept handling credit card issues, not deposit accounts. XXXX replied back to CFPB by again referring to prior CFPB replies which as stated before, refer to payments as cashed, did not offer any additional compensation... I can assure the CFPB, past replies merely refer to checks as cashed and or refer to prior replies and letter referencing payment of {$500.00}, which was not signed by myself nor payment received. Needless to say, this is a run-around, does not address issues. Further, reply states they will no longer reply to CFPB in which case, there are other agencies available to file complaints which will not be ignored.. I request Wells Fargo look into missing payments as well as additional compensation for unauthorized checking/savings accounts opened by Wells Fargo reps .
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax makes it difficult and inconvenient to manage credit freezes. 
I did not have any issues with XXXX or XXXX, but Equifaxs website said there was a problem ( no other explanation ), and asked me to call their toll free number during certain hours. 
The hours are limited, and ultimately the automated phone service was able to lift my credit, but it took time and there is no reason why this automated phone system is not in service 24-hours a day. 
The next day my wife needed to unfreeze her creditshe got the same error on the website.
Product: Vehicle loan or lease

I have requested Honda Financial Services on several occasions to change my due date because my employer changed the payroll payment dates but they've refused to cooperate, and continue to charge me high late fees on both vehicles.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT E MONEY USA APPEARS ON MY CREDIT REPORTING. I NEED THIS DELETED ON BOTH XXXX  AND XXXX. I NEVER HAD AN ACCOUNT WITH THEM. LOOKS LIKE IT IS OPENNED SINCE 2015 AND STILL SHOWING. I ASKED THEM TO VALIDATE THE DEBT THAT DOES NOT BELONG TO ME. IF NOT TO DELETE IT FROM BOTH REPORTS. I DO NOT KNOW WHAT TO DO ANYMORE. IT HAS BEEN IN DISPUTE FOR A LONG TIME. PLEASE HELP ME, YOU HAVE HELP ME TWO TIMES BEFORE AND I THANK YOU. COMPANYT IS EMONEY USA ADD-XXXX XXXX XXXX XXXX # XXXX, XXXX, KS XXXX TEL # XXXX. 
I HOPE THIS CAN BE DELETED AND ALL DONE. HELP ME ....
Product: Money transfer, virtual currency, or money service

XX/XX/year> Complaint was submitted but no information was received. 
I would like to be reimbursed.
Product: Credit card

I received a letter from Capital One. Someone tried to open a Capital one Quicksilver Credit card. I never tried to open this card, and I've never even spoken to capital one. My name on the application wasn't even spelled correctly.
Product: Credit card

Subject : Formal Complaint and Cease and Desist Request Dear CFPB, I am writing to file a formal complaint against American Express, regarding an account that was improperly placed in collections and is now threatening private payments and not placed on my credit. 
I made multiple attempts to make payments on this account, but I was not informed that it would be sent to collections. The lack of communication and transparency regarding this matter has caused undue stress and financial concern. 
I request that AmericanExpress and its agents immediately cease and desist all collection activities related to this account, including any actions that threaten liens on my personal property. I also ask for a full investigation into their handling of my account and the communication failures that led to this situation. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous complaints to the XXXX credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is ruining the quality of my life and my familys. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this sh! t now!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Dear XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX XXXX and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  appears to be on my credit report, is obviously Identy theft being I dont bank with XXXX XXXX. Ive already disputed with XXXX, produced all supporting documents and it was blocked and deleted please do the same and done come back verified that would be a discrepancy and thank you!
Product: Credit card

I have the United Explorer XXXX XXXX. Supposed to get free bags when I fly. Instead at the airport I was forced to pay for bags. I used the card. Now I have two {$40.00} charges and I can not get the company to hold up their end.
Product: Mortgage

I am trying to get a hold  of US Bank Home Mor tgage Customer service. They put me on hold and the line went dead. They are making it impossible to actually speak to a customer service representative regarding payment arrangements.
Product: Credit reporting or other personal consumer reports

Someone went onto a credit builder site by credit karma and created an account and added accounts that do not belong to me onto my credit report, the credit reporting agency will not allow me to file a dispute online of which is the purpose of my online account. Please delete the following from my credit report Bankruptcy chapter from XXXX, XXXX and transunion XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX account XXXX  account
Product: Debt collection

I dont know about this debt am not aware I am a part of a identity theft and believe this may be something someone else did it should be taken off of my XXXX credit as I will be seeking a lawsuit the status of it is closed
Product: Mortgage

I applied for a refinance with AmeriSave Mortgage. They offered me a 2.25 % 5 years arm on a VA loan. After submitting all the required paperwork, they increased the arm interest by a half point to 2.75 %. This is obviously a bait and switch. The only reason the company gave after 10 weeks is that the product is no longer offered. Checking the reviews online, it looks like AmeriSave has a history of bait and switch in its past and I guess they haven't changed their crooked practices. My advice to anyone considering a loan from AmeriSave Mortgage is to run the other way. No matter how good the loan sounds, they will just change the terms after about 3 months.