23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I contacted Wells Fargo on XX/XX/XXXX asking for help to lower the interest rate in order to make my monthly payments more affordable. To be honest I don't even know my interest rate and the rep never disclosed it. I only see an electronic payment due date and payment amount. I am struggling to make my monthly payment and asked the rep for XXXX XXXX XXXX. My last payment was on XX/XX/XXXX for {$100.00} and I missed my XX/XX/XXXX and XX/XX/XXXX payment and I now owe {$530.00}. I told the rep I could only afford {$50.00} or {$65.00} on a balance of {$2700.00} with my credit limit at {$2500.00}. I've had this card since XXXX  and my balance as consistently been at {$2500.00} or {$2800.00} for the past XXXX years. I've been maxed out the whole time and the reps resolution was to close my card and remove my XXXX rewards. The account was considered closed to me because it was maxed out!! My balance never goes down. I usually was making anywhere from {$83.00} to {$120.00} but with inflation and everything else I simply can't afford to make payments on a card that never changes the total due. I asked if I can make lower payments and stretch out payments to pay the balance off. She said we can't do that. She ended up closing the card but advised I will continue to pay interest and late fees. So basically I will probably end up paying another several XXXX dollars with no benefit to me but full benefits to Wells Fargo Bank. I want to make payments but would like some flexibility and help so I can successfully meet my financial obligations and not fail. I have concerns because each month I am paying approximately {$18.00} in interest, {$40.00} late fee and {$46.00} in cash advance since my card is over its limit amount. So many fees!!! The added fees are increasing my balance but also adding on extra fees making it impossible to bring the balance under my maximum {$2500.00} limit. Wells Fargo even sent me a letter saying to call if I need assistance but they really don't have anything for me. This is causing me extra financial stress.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was subject to a dispute in the month of XXXX, where to date we have not obtained any response from the agency that reports it, this account is reporting errors in all my information, for this reason it only reports in a single agency and not in the other credit agencies.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2023.
Product: Debt or credit management

I believe trans union has my information wrong and would love to partake in the class action lawsuit against trans union.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX DOB XXXX SS XXXX I have several unknown addresses and inaccurate file information that needs to be updated properly. My current and only address is XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX Please delete all other unknown addresses they are not correct. I have a inaccurate Social Security number on my credit report SS : XXXX, please delete it at once. My name is NOT XXXX XXXX, XXXX XXXX XXXX please remove the extra name from my credit report. According to 12 CFR Part1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Following addresses need to be deleted : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continuation of Complaint File # XXXX. Equifax has now placed an extended fraud / identify theft alert on my file without my authorization. I never requested this action to be taken. The required identity theft reports were never submitted. Equifax notified XXXX XXXX and XXXX  and now they have placed the same alert on their files as well. I received the attached letter dated XX/XX/2018 which is a response to the above referenced complaint filed against Equifax. 

I am applying for a mortgage loan and according to my loan officer my Equifax credit file is blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Furnishing Certain Deceptive Forms 15 U.S. Code 1692j ( b ) - Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for  failure to comply with a provision of this subchapter. 
15 USC 1692g - Validation of debts 15 USC 1692f - Unfair practices 15 USC 1692e - False or misleading representations 15 USC 1692d - Harassment or abuse Experian Report no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

On XXXX XX/XX/XXXX I withdrew {$39000.00} from my HELOC equity account at Mountain America Credit Union ( MACU ). On XXXX XX/XX/XXXX I made a {$140.00} payment. On XXXX XX/XX/XXXX I made a {$25000.00} payment. On XXXX XX/XX/XXXX, I went to a Branch and asked " What is my payoff amount on my equity account? '' I was told it was XXXX. I paid that amount, received a receipt, and before I left asked " Is my account paid off completely? '' I was told yes, you have a receipt with a XXXX balance and your account ( On the screen ) shows a XXXX balance. 
On XXXX XX/XX/XXXX I received a notice from MACU that stated I had an unpaid balance of {$49.00} due on XXXX XX/XX/XXXX. That I was given a " courtesy '' and it was now due by XXXX XX/XX/XXXX. Also if I failed resolve it they would send a negative report to the credit bureaus. 
My wife called the XXXX XXXX XXXX XXXX at the number provided and spent about 2 hours onbthe phone with them and they still could not explain why there was an unpaid balance when, since XXXX XXXX, our statements showed a XXXX balance on the equity account. They told her since it was the weekend they would call back on Monday when the full staff was available. 
On XXXX XX/XX/XXXX I went to my branch to try and resolve this. After about 30 minutes they said that when I asked for a payoff amount that they are unable to provide an accurate amount and can only do it on the XXXX of the XXXX when the interest is computed. I asked " how is it that when I asked for a payoff they can not provide me an accurate amount, and how am I supposed to see a balance owed when since XXXX XXXX my account has shown a XXXX balance? ". They could not provide an answer. After a bit he pulled up something on his screen and said that in my " statement '' it says there was a {$49.00} balance. When I pull up my statements from XXXX XXXX and XXXX XXXX all it shows is a XXXX balance. So I asked again How am I supposed to know there is an outstanding balance and where did it come from? He could not provide an answer. He finally was able to show a screen that had a payoff amount of {$49.00}, but I do not have access to that, and if he could pull that up why did not the teller do that when I asked them too? I did make a payment of {$49.00}, received another receipt showing a XXXX balance, and my app balance still shows a XXXX balance. I am not confident this institution follows federal regulations in their banking practices and in the accuracy of a debt of {$49.00}. Thay can not provide any documentation that shows I incurred this as interest. I can not be the first person this has happened to. How many innocent victims have had negative credit reports due to unprofessional, accounting practices and accuracy?
Product: Credit reporting or other personal consumer reports

Hello! How are you? Hope you're doing well today. Thank you for reading this. There is some incorrect information on my report, I believe it is because I share the same name as my father, and have some of his addresses on my report for some reason. I would like the following credit inquiries removed from my account. I do not recall authorizing these hard inquires, I want them taken off immediately please. I share the same name as my father, and have some overlapping information on my report that is his, like addresses, etc. I will take care of that in a separate report. For now, please remove the following inquiries from my report : Two inquires from XXXX XXXX  ( requested on XX/XX/year> & XX/XX/year> ). Two Inquiries from XXXX XXXX ( requested on XX/XX/year> & XX/XX/year> ). Two Inquiries from XXXX ( requested on XX/XX/year> & XX/XX/year> ). I would also like to request that two delinquency marks be removed from my report. From XXXX XXXX XXXX XXXX. I believe these to be errors, as I have always paid on time, and / or communicated with customer support as to when I will make a payment.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I wired {$50000.00} from my XXXX XXXXXXXX XXXX account to Signature Bank. I forgot to include the reference number in the wire and called XXXX shortly after sending the wire to see if it could be added. They said the wire would have to be recalled and I would have to send a second wire with the reference number. XXXX recalled the first wire. The second wire was received the next day but my first wire was never returned or deposited. It is missing at this point, and it has been over 1 month. XXXX reached out to Signature Bank several times, to which there was no reply. I sent Signature Bank an email to follow up, to which they were unresponsive. 

The wire was supposed to be automatically rejected because it did not include the reference number. It was neither accepted nor rejected. It was supposed to be returned because it was recalled. Again, it was not. At this point it is missing. 

I have been through a lot because of this, and I am worried I have lost my money. Signature Bank is acting like an outlaw, keeping money that doesn't belong to them and ignoring the inquiries. Please help, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a fraudulent account through Experian, which was southwest recovery ser. I sent in a FTC report because the account is fraudulent. The account was delete on XXXX/XXXX/2022 and returned to my report on XXXX/XXXX/2022. I spoke with an Experian representative who explained through no verification southwest recovery ser, sent a notification stating this fraud account was mines so they put it back on my account.
Product: Credit reporting or other personal consumer reports

Equifax is incorrectly reporting a XXXX credit card account that does not belong to me. I have disputed this issue multiple times, yet I have received no response or updates. It has now been well over the allowed 30 days on several occasions, and Equifax has failed to resolve this matter. I demand that you remove this account from my credit file immediately.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed some collections, charged off and closed accounts that I did not approve anyone to pull my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I went to the XXXX XXXX XXXX to buy my mother a car. When I picked a vehicle, the sales person drove me to XXXX where I got a cashiers check for the total amount of the vehicle - {$14000.00}. I never signed any authorization for the dealership to run my credit. I explicitly told the sales manager & the sales rep that I did not give them permission to run a credit check, since I was paying for the vehicle in full. I provided them my social security # for IRS reporting purposes, since the amount was over {$10000.00}. Again, I DID NOT sign anything authorizing them to run my credit, and explicitly denied them permission to run my credit. 

The dealership ran a credit check anyway, without any valid authorization from me. The sales manager told me that this was standard process. When I became upset, the sales manager asked me to sign an authorization retroactively. I refused to sign, and cancelled the entire sale. I now have a fraudulent credit inquiry on my report.
Product: Mortgage

13 years ago we got this mortgage through one loan company and paid XXXX a month since then this has changed hands 3 times now pay over 600. only options current mortgage holder has given us is loan modification. also believe we had a fha loan now not so sure this is true anymore. during winter months husband laid off and summer I 'm laid off. fell behind 8 years ago when husband XXXX XXXX and me 4 years ago when was XXXX XXXX. try to talk to them but all they are worried about is getting there money, I 've even went with out medicine before to make a payment.
Product: Credit card

Letters & statements attached showing : XX/XX/XXXX Dispute sent to : Synchrony Bank XXXX : XXXX Re : account # ending : XXXX The attached sales order has an incorrect address for me in XXXX XXXX. I got this copy from XXXX XXXX today. I dont know when the address was corrected to my actual address above, but I have never received statements from Synchrony Bank regarding this purchase. I paid monthly by automatic draft from my checking account. Then, I noticed that there was a draft from my checking account on XX/XX/XXXX for {$51.00} - so I called Synchrony to find out why. I was told deferred interest was added and I have a balance. 
Due to this sales order invoice that is incorrect, I am requesting the interest be credited back to my account and I will pay any balance in full as soon as it is. This contract is not valid due to the incorrect address. If you do not credit the interest charge of {$460.00} to my account BEFORE another draft from my checking account occurs, I will contact the XXXX Attorney Generals Office to have this deferred interest charge resolved. 

IMPORTANT ADDITIONAL INFORMATION TO CFPB XX/XX/XXXX : Please see the attached dispute letter that I sent to Synchrony Bank XX/XX/XXXX. They told me it will be sixty days before a resolution will be mailed to me. 
To clarify the information attached, I want to point out that the original contract is not valid because the address change on it is not initialed and dated by me. Also, I never authorized paperless statements. On XX/XX/XXXX XXXX, a Synchrony XXXX, said that I enrolled in e-billing on XX/XX/XXXXXXXX XXXX XXXX XXXX and an email was sent regarding my acceptance of paperless documents. I didnt log on XX/XX/XXXX and I never accepted paperless documents. The XX/XX/XXXX email was a summary email only, which was the same type of summary email that I received each month. The first time that I logged on was XX/XX/XXXX when I called Synchrony ( see attached dispute letter ) and I was told that my user name was my email. Please see the attached account information from XX/XX/XXXX which shows my statement balance and that it is due XX/XX/XXXX, when I would have been XXXX years old. This clearly shows that Synchronys system and my billing with Synchrony have extreme errors. The screen shot showing the XXXX date was attached to the XX/XX/XXXX email billing summary. 
I would like my total original deferred interest charge as of the XX/XX/XXXX statement ( due XXXX XXXXXX/XX/XXXX ) credited back to my account ( plus any accrued interest during the duration of this dispute to be due in the future ). Note : XX/XX/XXXX statement shows the deferred interest charge at that time of {$460.00} ( attached ) on the dispute letter to Synchrony ( attached ). Today, I tried to logo on to the Synchrony website and as has been the case every time in the past XXXX months, I cant logon using my correct username and password - of which I successfully used only one-time on XX/XX/XXXX to log-on, while I was on the phone with synchrony.
Product: Checking or savings account

The bank im referring to is Current bank and I recently just got my account closed with no explanation, Ive tried to figure out why and they cant tell me been on the phone with the person in charge wont tell me why its closed now im trying to get my money out theyre saying they cant do nothing I have to respond to a email by fraud team i respond to the email 7 hours ago no response these people are playing me and playing with my money.
Product: Debt collection

Certified Recovery is reporting to my credit that the last date of activity on this account was XXXX/XXXX/15 which is in error and is a violation of the CFPB. Please have this account deleted because of their error and violation of law.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U. S. C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFRPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts : XXXX  # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

i have been bateling XXXX XXXX  case for the past 2 years, it seems like it doesnt go away and it feels like im fighting for my life over here which it doesn't make any sense, especially with all the supporting documents i have provided so support my claim in this matter.
Product: Checking or savings account

ON XX/XX/year> I am supposed to receive my direct deposit on wednesday every two weeks. It is now Friday XX/XX/year> at XXXX hours and I still have not received my direct deposit for my check. They can't even give a remote timeline of when my direct deposit will be fixed. I have had to call into work the past two days because I can't go to work because my truck has no gas. Are they going to start paying my bills when I lose my job? like what else can I do other than be at their mercy? My job is already stating that it is showing deposited on their end while capital one cant show me XXXX XXXX.
Product: Credit reporting 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.