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

On XX/XX/2020 at approximately XXXX. Wells Fargo attempted to force me to file a complaint when l clearly was not filing a complaint with them but did inform l was filing a complaint with the with CFPB for their out disregard to acknowledge the fact that by law if the creditor agrees that this information does not exist and/or is incorrect it is their responsibility to contact all 3 credit bureaus to have this information removed immediately which up to this point they have failed to do so. 

Supervisor ( XXXX -- -- ) on a recorded was extremely rude by essentially hanging up the phone in my face by cutting off our conversation and forwarding the call to their executive office something I did not request! I disconnected the because l explained that l did not want to speak to any one else but he did it anyway. 

Then at approximately at XXXX l received this email below which was deceptive in nature and was written in such a way to make it appear that l had filed a complaint with which was a lie. 

They tried to forced me to speak top someone in their executive office and then sent this email stating quote, " Dear XXXX, We want to let you know we received the information you shared with XXXX. Your feedback is important to us and we will work with you to research the issue as quickly as possible. 
To help ensure we address your concerns, were researching the credit reporting issue you mentioned. You can expect to hear from your case manager within three business days of your complaint submission. 
Were here to help. If you have questions, please do not respond to this message using the Reply button ( replies are not monitored ). Instead, contact us by phone at XXXX Monday through Friday, XXXX XXXX to XXXX XXXX. Central Time. 
For reference, your case number is XXXX. 
Thank you. We appreciate your business. 
Wells Fargo Executive Office Wells Fargo, N.A. Member FDIC. '' Wells Fargo lied in this email stating that would contact me in 3 business day which they failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home and this involves banks and mortgage lenders looking at my credit reports. I noticed a discrepancy between my Experian credit scorXXXX of XXXX versus those of XXXX of XXXX and XXXX of XXXX which were obtained on XX/XX/2022, in the attached report. 

I attempted to call Experian several times, but I only was met with voice recordings and was unable to reach a live representative. I also attempted to file a dispute on your website but when I attempted to do so, it requires me to identify a specific part of my credit report to dispute and upon review, there doesn't seem to be any delinquency, but this doesn't explain why then my credit score is XXXX. I attempted to file a dispute by sending a general email to Experian but was given a non-meaningful form response asking me to " start a new dispute online. '' The customer service by Experian from my perspective is poor and has a lot to be desired for. I should be able to easily either reach a live representative or submit this dispute online. 

I am requesting for an investigation for what may explain my credit score of XXXX, an inquiry of possible errors, and to have this resolved as soon as possible. I request for a written response and for a representative to call me at my phone number above.
Product: Payday loan, title loan, or personal loan

Unable to repay back loan because of the high interest that I didnt, understand
Product: Mortgage

The entire underwriting process was a disaster. I was told I was cleared to close and then asked more documentation. Nonetheless I accepted all that Citizens bank requested and obliged. I finally closed on XXXX XXXX and it has been 4 weeks since closing and I still have no log in for getting disbursements for my construction loan. I have reached out to my MLO and even the assigned Construction draw administrator XXXX XXXX who is slow to respond. I am now being asked for documents that were already provided during underwriting and asked for different documents by the construction loan administrator. The process has been a nightmare and Citizens bank should not be in the construction financing business if they can not create a better experience for their clients. My construction is moving at a snails pace because I am unable to get disbursements from my approved loan even 4 weeks after closing yet they restrict me to a 12 month construction period.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bill was reported to access said they gon na to take care of medical bill, they never did a 3 rd company never told me never address me nothing about they bill they medical company did do nothing about it .I was told this was paid off all ready and my credit is bad and no 3rd company 's don't have my authorization about this only bill on my credit report they are fake and this bill needs off my credit report thank you XXXX XXXX a 3rd company has my bill and is fake, no rights my bill is over 145 days and 2 company 's 3rd party has my bill no rights and this a medical bill was taken care of
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past XXXX months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit card or prepaid card

Proof of a XX/XX/XXXX {$250.00} charge by XXXX XXXX, written documentation that the charge was made is urgently needed. 

Synchrony Bank advised that there was/is NO WAY that can provide any documentation. I requested that generate a pdf. of the charge and they said they could not and would not provide a pdf. or text or email me this written proof. 

I was XXXX because I can not show proof of this payment to XXXX. 

I need this documentation now to prove my innocence and to have this arrest record expunged. 

I used my one call from prison detention to Synchrony Bank sand they refused to help even when zzz I asked for this to be escalated to their legal representative. 

The last 4 digits of my SS # are XXXX ; my home address is XXXXXXXX XXXX  XXXX XXXX, XXXX, NY XXXX : the last 4 digits of my Synchrony XXXX  credit card are XXXX ; the card is valid through XX/XX/2024. 

I appreciate your help and the swift response from Synchrony Bsnk.
Product: Credit card or prepaid card

Opened a XXXX XXXX XXXX XXXX XXXX account XX/XX/2018 for {$5000.00}. 
24 months no interest. 
I have made 13 payments of {$210.00}.

I purposely paid an extra month.

I have gotten repeated late charges of {$35.00} and/or {$25.00} not sure of why the difference.

I have called and spoken to them 3 times. I sent a secure message twice.

When I ask about extra payment, they don't really explain it.

When I ask what SPECIFIC day they need payment to avoid late fee, that also is obscure. It's very confusing. Payments received before the XXXX or after XXXX are for different months. But when I say you charged me a late fee on the XXXX and received payment before XXXX, you post payment to that month. 
Anyway, I'm very confused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a police report regarding me being a victim of identity theft and fraudulent and unauthorized accounts listed on my XXXX XXXX, XXXX  and Equifax credit report. The following accounts are fraudulent, unauthorized and not my accounts : XXXX Credit Card/XXXX XXXX XXXX, XXXX XXXX Card/XXXX XXXX XXXX, XXXX  Card/XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. The accounts are not my accounts. They are all fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank Of America had agreed to remove this entire credit file from any credit reports. The bank of america card I am talking about is now currently closed on XX/XX/XXXX and opened on XX/XX/XXXX. 

As of today this situation has not been fixed has agreed upon. The account was closed due to a misunderstanding. I had always paid on time and had good history with them. I just hope can resolve this manner as promised by there supervisors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX Dept of ed/XXXX  Accounts # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

The debt is in amount {$840.00} that I did not personally use or have the access to this account. The date that it was field for XX/XX/18 to XXXX XXXX XXXX. My mother has a joint account that was being used at PNC and has made arrangement to pay the above balance of {$840.00} in monthly payment. I wasn't aware that the above balance was due until I was called repeated times from someone from XXXX XXXX XXXX to get a debt that wasn't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Box XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX State Highway XXXX XXXX XXXX, TX XXXX SANTANDER {$5600.00} XXXX {$0.00} RISE {$0.00} XXXX XXXX XXXX SPEEDY CASH {$1300.00} CREDIT XXXX PROGRESSIVE {$120.00} XXXX XXXX XXXX XXXX COMENITY BANK {$590.00} WAKEFIELD/EMERGENCY SERVICES OF TEXAS {$2500.00} CONSUMER ADJUSTMENT COMPANY/CHECK XXXX GO {$1200.00} CONSUMER ADJUSTMENT COMPANY/MONEY KEY {$110.00} CCS COLLECTIONS/PROGRESSIVE {$120.00} RMA XXXX XXXX XXXX XXXX {$26.00}
Product: Checking or savings account

BofA withdrew {$150.00} from my checking account to offset an old business credit card debt which I have tried to settle on numerous occasions. I suffered a debilitating XXXX in XXXX  and had to shut down the business. My only source of income is XXXX and BofA is well aware of this fact. According to my research that would make this a double violation as it is credit card debt only no matter what XXXX XXXX may try to claim and a protected form of income, both of which fall under the Federal statutes.
Product: Debt collection

XXXX XXXX XXXX. I do not know what this is for. I believe it is XXXX XXXX  who forces subscribers to open new accounts when you transfer services which I have done twice and have noticed they reported put those accounts into collections after charging me under my old account when I was paying regularly on my new account. In XX/XX/XXXX'17, I had a balance of around {$40.00} plus whatever they charged for a late fee. They waived the late fee and credited my new account {$20.00} and I paid the balance. Now I see this on my report that was reported in XX/XX/XXXX so I can only assume it originated from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I recieved an inquiry on my report from XXXX XXXX on behalf of experian business cred. I disputed it with XXXX XXXX in which they removed the inquiry from my XXXX  however this inquiry is still on my experian steming from XXXX XXXX XXXX.
Product: Checking or savings account

On  XXXX   XXXX ,    2017,  I was at the   XXXX   XXXX   in  XXXX ,  MD and I used m y ATM card to withdraw {$1500.00}. I have attached a copy of the receipt that was printed at t he casino th at night. The problem is that the machine only dispensed {$1100.00}. I immediately went to the customer service counter at  XXXX   XXXX , where I was told that they are not responsible for the machines that are on their premises. And my nightmare began.     I was given the name and phone number for the company that allegedly maintains and operates the ATM machine,  XXXX . The receipt states the terminal number and transaction number.  XXXX  also gave me the phone number  XXXX . I called  XXXX  at the toll-free number and I was immediately told that  XXXX  is not responsible for any dispensing errors. They said the only recourse is to talk to my bank,  Capital One.      First, I went to my branch of Capital  One  at  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , Maryland  XXXX . I was told by the branch  manager  that I had to call their Claims Support Center. I called  Capital One  on  XXXX   XXXX  , 2017. T he claims representative at th e Claims Support Center at Capital One  took all the relevant information from me and told me they would investigate. I received a follow-up call on  XXXX   XXXX ,    2017, in forming me that I needed to fax a copy of my receipt. I did not have access to a fax machine and was trying to find a place to send a fax, but I just received the attached letter denying my claim.     I am at a complete loss about what is the next step I can take to address this consumer fraud and to receive reimbursement of the money that was taken from me by either   XXXX   XXXX   (  XXXX   ),  or  XXXX , or Capital One Bank. I have been unable to determine who is the ultimate regulatory agency that oversees these  XXXX  financial services companies and I have been unable to obtain a refund from any of these companies.
Product: Checking or savings account

XX/XX/XXXX I deposited a Check at Chase, it was a Security deposit being returned to me. The check was made out to myself, my husband and my uncle as he was our co-signer. We all signed it. I was told the funds would be available XX/XX/XXXX. I went to an ATM on the XXXX and was informed there was a hold on my account because of the check. I have called and talked with Chase representatives 9 times since then. They have verified the issuer of the check, myself and my uncle. However, they say they can not verify my husband even though they did call him and confirmed his identity when I called on the XXXX at XXXXXXXX XXXX. Now they are saying their system can not verify his phone number and there is no way to confirm his identity except for a phone number their system can verify. They have frozen my account and say they will close it in 10 days and keep the money for 2 years before giving it to the state. I offered for my husband and I to go in person to a Chase bank and verify his identity in person but they said that is not an option. My husband has his own account with Chase and his phone number is connected to that account. I do not understand how they can not verify it and I do not understand how they can only accept a phone number, that they say is valid, and offer no alternative ways to verify him.
Product: Debt collection

I am writing to address the inclusion of unauthorized transactions in my consumer report, for which I did not provide authorization or instruction. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. Below are the specific accounts in question : It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that XXXX making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or expunge all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Checking or savings account

I recently called my financial institution on XX/XX/XXXX to report fraudulent transactions. I went into a local branch in which the representative told me the investigation was closed. I opened up a complain with cfpb in which Citibank replied and stated they issued my account with a provisional credit. They issued provisional credits in which they immediately took them away.
Product: Credit card or prepaid card

The balance on my Direct Express card on which I get my SSA and SSI keeps fluctuating. On XX/XX/XXXX It was {$9.00} more than the day before, although no  transactions were made. 

On XX/XX/XXXX, it showed a deposit of {$170.00}, my SSI payment, but simple math proved only {$85.00} was applied to the balance. 

Yet again, today, XX/XX/XXXX, my balance is {$52.00} higher than it was the day before. 

I don't appreciate the incompetence and lackadaisical attitude of all involved who know of this ongoing issue. I don't appreciate having to worry about my money every waking hour, especially with my XXXX. I was ripped off in XXXX of last year and I was told I was responsible for charges made several states and hundreds of miles away from me. The customer service reps are rude and do not care. And most of all, I HAVE CALLED SEVERAL TIMES AND CAN NOT GET A LIVE HUMAN BEING THERE TO BE RUDE TO ME AND PROVE THEY DO NOT CARE.
Product: Debt collection

This company has my phone number, because they have previously called me and spoken with me on the phone, yet they keep calling my mother after repeated notifications to stop calling her. I am not avoiding their calls yet they do not call me. They are calling my mother and leaving her threatening emails when she has nothing to do with this account.
Product: Debt collection

This company has been calling me several times a day and harassing me about a dept that I discussed with the hospital that they sent to collection anyway. I get several calls a day in spite of any arrangements that I have XXXX with the reps.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/20 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect.This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Here are the items that you continue to report illegally. 

XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the 3 credit unions today to freeze my credit, XXXX, and XXXX were great. But Experian was a trying experience. Everything was an attempted up-sell, i could not find the right place from the homepage itself, and spent 5 minutes wondering around. I had to go out and XXXX how to do it and follow a link back in to finally at the bottom of some obscure page find the link to freeze my credit. I think they should be investigated for anti-consumer practices and surely not following the spirit of the law.
Product: Credit reporting or other personal consumer reports

I have repeatedly filed disputes against this account. I did not receive a loan and or a line of credit in any way shape or form from this company/place/ business/ organization ..... THIS IS NOT MINE AND I WANT IT REMOVED IMMEDIATELY.! I HAVE ALREADY SENT THEM MY PROOF THAT THIS ACCOUNT IS NOT MINE..