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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$36000.00}, XXXX XXXXXXXX Account # : XXXX date opened XX/XX/XXXX bal. {$17000.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$1600.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$1300.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$970.00}, XXXX XXXX XXXX XXXXXXXX Account # : XXXX date opened XX/XX/XXXX bal. {$940.00}, XXXX XXXX XXXX Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$750.00}, XXXX XXXXXXXX XXXX  XXXX Account XXXX : **** date opened XX/XX/XXXX bal. {$640.00}, XXXX  XXXX Account # : XXXX** date opened XX/XX/XXXX XXXX {$530.00} XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$390.00}, XXXX XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$230.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$190.00}, XXXXXXXX XXXX Account # : XXXX date opened XXXX, XXXX Account # : **** date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX  Account # XXXX XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Customer Service Department Wells Fargo Bank XXXX XXXX Subject : Complaint Regarding Account Closure Without Notification and Request for Compensation Dear Wells Fargo Customer Service, My name is XXXX XXXX XXXX, representative XXXX XXXX XXXX XXXX XXXX  ( Document Number : XXXX XXXX XXXX : XXXX, ITIN : XXXX ). I am writing to express my dissatisfaction with the unnotified closure of two business accounts with your institution and to formally request the return of the withheld funds, as well as compensation for the financial damage this has caused to my business. 

The accounts in question are as follows : Checking Account : Number XXXX, with a balance of {$4900.00} at the time of closure. 
Savings Account : Balance of {$690.00}. 

I fully understand that Wells Fargo has the right to close accounts at its discretion. However, I was not informed of this action in any wayI did not receive any formal letter, notification, or communication advising me of the account closures. Furthermore, despite the passage of over a year, I have yet to receive a check for the remaining funds, which has created significant challenges in managing my business finances. 

The abrupt and unnotified closure of these accounts has had severe financial repercussions, driving XXXX XXXX XXXX XXXX toward insolvency due to my inability to meet ongoing obligations. This situation has directly harmed both my business and my personal finances.

Given these circumstances, I am seeking : 1. The prompt return of the funds held in both accounts.

2. Compensation for the financial damages and economic loss caused by the lack of communication and delay in the return of my funds. 

I trust that Wells Fargo will handle this matter with the urgency and care it deserves. Please feel free to contact me at your earliest convenience should you need additional information. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX I opened a credit card with chase bank XXXX The next day I enrolled into paperless billing. the confirmation I got specifically says " we will send you an email to let you know when you have items to view online ''. Since day one, I have not received any of those statements that were promised in email. On XXXX I received approx XXXX emails ( all the same ) telling me I have a bill due XXXX. The email says nothing about being late, past due or anything of that nature. I logged in today to pay that bill and it tells me that I am 40 days past due with no warning. I have tried time and time again today to try to understand how I can have no warning that I have a late payment before it is reported to the credit agencies. They tell me " They did their job by attempting to send out the email. If i didn't get it, they can't help me. '' I want the erro removed from my report. I did not receive any statements to pay. I have another credit card with them that gets paid every month with no issues. I never received any type of phone call, email or anything to ask why the bill wasn't paid or to notify me that it was going to be placed on my credit. 

There was no phone calls, no emails and no statements received. I have checked the entire server including spam. How can a business mark my credit with no notification that there is any balance past due and no attempt to collect if there is a balance past due? There wasn't even a statement sent in my email or my spam with a due date. We have another account with another card company who had called once in the past to notify that we had a balance, and it was handled over the phone before it came past due. Is there not a rule or policy outlining rules of credit reporting and when It can be done and making sure the company reporting did their due diligence to collect before reporting?
Product: Credit reporting, credit repair services, or other personal consumer reports

The company inaccurately reported my account as delinquent despite it being consolidated over two months ago. The new account shows on my credit report in addition to this false report that I am delinquent. I tried calling the agency and informed them of the issue as this is an urgent matter and trying to close escrow. They said a supervisor will return my call but no one did. I asked them to update my credit reporting to the bureaus immediately as it was an administrative error. They have not updated it. I called several mire times to no avail. XXXX  XXXX university admitted an administrative error. They declined to update my credit report.
Product: Debt collection

i have a debt that is showing with this company that is fraudulent its due to my identity being stolen and opened up accounts that i had nothing to do with ... yet they have not removed the account even thoudh i have sent theme the appropriate documents regarding the identity theft.
Product: Credit reporting or other personal consumer reports

I am disputing the continued reporting of this charge-off account with a balance. The account was charged off as of XX/XX/year>, and under FCRA Section 605 ( b ), the creditor is required to cease reporting any balance on a charged-off account once it is considered written off as uncollectible. The continued reporting of this balance, especially after the charge-off status, is not only inaccurate but also harmful to my credit profile and violates the rights afforded to me under consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT XXXX  XXXX {$360.00} XXXX XXXX XXXX {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries were posted to my credit report from the following companies that I did not make or authorize : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal issued a purchased to be done through a loan they call Pay in 4. I was never notified on the matter. I could have made the payment in full and thought it was going through PayPal Credit but instead they did it through their own loan payment process. I was not notified of this. I was not notified of any payments needing to be made. There was no way to view it or see that I owe anything on their website. I have automatic payments set up through my PayPal account but they don't link them to it or anything so there was now way I could make a Payment or even know I owed anything They sent my information to a debt collections agency. When I called PayPal about it they had no idea about it. They couldn't even tell me where to view the transaction. They couldn't tell me where to view the balance. They couldn't tell me where to go to make payments. They weren't even sure which department to talk to. They even suggested I talk too the collections agency who they sent my personal information to ( without my authorization ) and talk to them about PayPal Processes. They had added fees to this without warning. They are saying that this will also be reported too the credit agencies. There was no authorization of this, no message from them or indication on the website about needing to make payments, and no help from PayPal to resolve this issue. This feels like a scam.
Product: Payday loan, title loan, or personal loan

This company has reported the wrong social security on my file so it was not updating asked them to closed account & remove from my credit report. File was open in XXXX of 2020 for the amount of {$530.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

Around XX/XX/XXXX, I decided to apply for a XXXX credit card with chase because XXXX annual fees are too high... I applied online via chase website and it acknowledged my application and it was pending. I went and took the freeze of my XXXX and XXXX XXXX credit file for a couple of weeks. I received a letter from chase wanting me to call this number : XXXX to verify it was me applying for the credit card. I called and I talked to a representative who asked me some verification questions and I answered the correctly. I kept calling to get the status of the card because on XX/XX/2023 JP Morgan ran my credit at the time it was XXXX and I received the alerts when it happened. I get another letter in the mail in XXXX same thing to verify who I am, I call them same number again they asked 2-3 questions the same as last time and I'm saying to the representative why is it talking so long to get a decision? He said, " I don't know but it's still processing and I hope they will approve it for you ''. I told him thank you. 

XXXX rolls around still nothing from chase in the mail nor email now I am XXXX because they ran my credit and I have no knowledge if I am getting a card or not. It don't take months to make a decision about a credit card. We are now in XXXX I get a letter from chase saying my credit is frozen and I need to call the XXXX number within 15 days or they would close the application. At this point I was still livid and thought to myself I dodged a bullet they are showing me that one : 1. ) They do bad business and 2. ) Not to do business with bad banks. I did not call but I am reporting due to the dip in my credit score it went from XXXX to XXXX I did not get denied for the credit card or approved it's in limbo but has know tarnished my credit.
Product: Credit card or prepaid card

I noticed my card being used and reported it stolen. The transactions were not line. When I reported it stolen, the rep told me I would have to call back in the morning to process my fraud claim. This occurred on XX/XX/02. I have called everyday since and waited for over three hours on hold each day without speaking with anyone. I emailed the company and they instructed me to call again. I need to have someone call me right away. I should not have to pay for something I did not purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a written notice to XXXX XXXX XXXX who acts as ceo of legal fiction Transunion that I the consumer XXXX XXXX the agent of XXXX XXXX see inquires that I did not authorize or consent to block and remove them now.
Product: Credit reporting or other personal consumer reports

XXXX and Experian are reporting without my permission. These accounts are adverse items and reporting without my permission is against the law. 

Under the Fair Credit Reporting Act 15 USC 1681- Congressional Finding and statement of purpose a ) Accuracy and Fairness of credit reporting states There is a need to ensure the CONSUMER REPORTING AGENCIES which are Experian and XXXX exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy, the consumer would be myself. 

According to the Privacy Act of 1974 ( 5 USC section 552a ) b ) Conditions of disclosure- No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

Consumer reporting agencies XXXX and Experian DO NOT have my consent to furnish this information and they DO NOT have my written consent. All consent to XXXX and Experian ( Furnisher of information to credit agencies ) Whether its verbal, non-verbal, written, implied, or otherwise is revoked immediately. 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. Under 15 USC 1681c Information excluded from consumer reports- ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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.

Lastly, 12 CFR section 1016.7 states A consumer may exercise the right to opt out at any time. Please note that I am opting out of your reporting services. 

Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX XXXXXXXX. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within XXXX business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.
Product: Credit reporting or other personal consumer reports

My account with ( BLOOM/CBNA ) was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am formally requesting in this complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : DPT EDXXXX XXXX Balance Owed : {$850.00} Please update this accounts payment history it was very confusing. Please REMOVE the LATE MARKS on this accounts payment history. I did not pay late ; DPT EDXXXX XXXX Balance Owed : {$1800.00} Please update this accounts payment history it was very confusing. Please REMOVE the LATE MARKS on this accounts payment history. I did not pay late. In addition please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please UPDATE the inaccurate account information as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/23 I sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the cfbp, federal trade commission, and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have given the bureaus proof of items being included and discharged in bankruptcy. The first delinquency is 7 years old and the items should be deleted from my file. The late payment from years ago are still effecting me to start my life over and all I get is to keep giving proof of my residence and ID which I have sent. The following should be deleted from my credit file XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX. The XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  In addition my credit report was pulled several times without my permission and should be deleted. I have several alerts showing my Identity is on the black market including my SSN. 

XXXX XXXX XX/XX/XXXX was out the country XXXX XXXX XXXX XX/XX/XXXX was out the country XXXX XX/XX/XXXX did not apply XXXX XXXX XX/XX/XXXX did not apply XXXX XX/XX/XXXX did not apply XXXX XXXX XX/XX/XXXX did not apply XXXX XX/XX/XXXX did not apply XXXX XX/XX/XXXX did not apply XXXX XXXX XX/XX/XXXX did not apply Please have this looked into because I am getting nowhere
Product: Checking or savings account

I submitted the unauthorized transactions charges XX/XX/year> all of a sudden I get an email they performed a thorough investigation. The definition thorough isnt less than XXXX hrs for me. SoFi is just a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED YOU TO ATTEND THE FOLLOWING SHOWING ITEMS IN MY LETTER WHICH CONTAINS DATA TAKEN DIRECTLY FROM MY CREDIT REPORT WHICH YOU HAVE PROVIDED PLEASE DELETE THE BELOW LATE PAYMENT YOU ARE SHOWING ON MY REPORT ACCORDING TO THE CONSUMER RIGHTS YOUR ARE VIOLATING MY RIGHTS. 15.U.S CODE 1666 - CORRECTION OF BILLING ERRORS RIGHTS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORT. 


ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER - XXXX ACCOUNT STATUS - OPEN