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

On XX/XX/XXXX, I received a letter from Wells Fargo Bank indicating that the bank had closed a credit card account as of the same date. The letter further stated that the account had been closed following a review that found that you have defaulted on a Wells Fargo loan account. '' This statement was completely inaccurate. 

This particular Wells Fargo Bank credit card account had been established solely in my name and under my social security number in XXXX ( my wife had been added as an authorized signer at a later time ), and at no time had I failed to make a payment on or before a designated due date or otherwise defaulted on this or any other Wells Fargo loan account. As a matter of fact, as a simple review of my available credit history will readily demonstrate, I have never failed to make a payment on or before a designated due date in relation to any loan account that I have ever held with any financial institution. 

Upon further formal inquiry as to the reason for Wells Fargos XX/XX/XXXX, decision to close my credit card account, it was indicated that the loan that I had reportedly defaulted on was actually a business account held solely in my wifes name. An XX/XX/XXXX, follow-up letter directly acknowledged this latter point regarding loan account ownership by specifically stating that we are not able to identify a business account that you share with [ my wife ] Ultimately, Wells Fargo Banks claim that I had defaulted on a loan held at this or any other institution was completely inaccurate for two reasons. First and most importantly, as described above, a Wells Fargo Bank representative had formally acknowledged in writing that I had maintained absolutely no relationship to the business loan account in question. As such, I was in no way responsible for any issues that may have arisen in relation to this particular loan account. 

Second, and of indirect importance, the so-called loan default upon which Wells Fargo Bank reportedly based their decision to close my credit card account was actually the result of a failure by Wells Fargo Bank to fully process an automatic loan payment plan that had been officially established for the business loan in question earlier in the year. Again, this is of secondary importance to this complaint, as I have never maintained a relationship to the loan account in question. 

Finally, Wells Fargo Bank was informed that their claims regarding a loan default were inaccurate on multiple occasions. This ultimately resulted in my receiving a recommendation from a Wells Fargo Bank representative that I establish a new credit card account to replace that which had been abruptly closed. As such, a new credit card application was submitted in my name ( and my name alone ) on XX/XX/XXXX. This application was immediately denied, and the sole reason given for denial was late payments or other issues maintaining a Wells Fargo credit card. Once again, this statement indicated that Wells Fargo Bank was again making inaccurate claims with regard to my financial/credit history.
Product: Checking or savings account

I am a former Citi employee and {$4300.00} I had remaining in my Citi XXXX was rolled over into a simplified IRA CD account by Citi when I left the company. This rollover was completed on XX/XX/XXXX. Citi sent me a request for information to complete the activation of the new account. I completed all information and Citi Retirement Services confirmed all information was complete on XX/XX/XXXX. On XX/XX/XXXX I was told the account would be activated and I would receive my account number and details needed to access the account within 7-10 business days. On XX/XX/XXXX I followed up with Citi Retirement Services because I had still not yet received my account information, as required. On XX/XX/XXXX I was told the account had not yet been activated but the representative would submit an escalation and my account would be activated within 2-3 business days at which time I could call for my account number to get access to the account. On XX/XX/XXXX - 15 business days after XXXX - I called Citi again and was told the account was still not active and they could not give me my account number because of this. They could not tell me why there was a delay or when I could expect to receive access to my account. As a consumer I am entitled access to my financial information. At this time I am uncertain that I will ever receive access to this account that has roughly {$4300.00}.
Product: Debt collection

National Credit Systems Inc.- refuses to provide Payment History/Receipts The person assigned to my account is very unprofessional and has an insensitive way of communicating.
Product: Credit reporting or other personal consumer reports

NOTICE : Equifax and DEPT OF EDXXXX have violated my privacy rights by reporting such accounts to my credit file. According to The Family Educational Rights and Privacy Act ( FERPA ) law enacted in 1974 both entities have violated my privacy rights. 

CITED LAWS : XXXX. The Family Educational Rights and Privacy Act ( FERPA ) law enacted in 1974 2. 15 USC 1681n : Civil liability for willful noncompliance. 

REPORTED EDUCATIONAL ACCOUNTS : XXXX ) XXXX - {$1000.00} XXXX ) XXXX - {$2900.00} XXXX ) XXXX - {$9200.00} XXXX ) XXXX - {$3000.00} XXXX ) XXXX - {$3500.00} XXXX ) XXXX - {$6000.00} XXXX ) XXXX - {$3300.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$1000.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$4500.00} DAMAGES : ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Bank account or service

I was hit with an nsf fee and my bank ledger shows when XXXX $ posted the ending balance was XXXX $ available. I usually get q notice to transfer funds and never received anything to say my balance is low. I was not notified of the fee until the day after it posted.
Product: Mortgage

XXXX Initial complaint filed over the phone. NewRez/Shellpoint is incumbering property tax and insurance payments from my checking account for my mortgage property located at XXXX XXXX XXXX XXXX # XXXX, XXXX CA. They are not paying my taxes promptly. This mortgage financing company is fraudulently taking insurance payments from my checking account when they clearly know I have purchased property insurance already. I would say they are embezzling my funds. Now they are trying to increase my monthly payment by {$400.00} because of an increase in insurance payments. This is fraud. They knew I had property insurance already yet they continue to take money from me for property insurance. I want them to stop taking money our of my account for property taxes and insurance effective immediately. I also want to be reimbursed for the unnecessary payments I made to their company.
Product: Credit reporting or other personal consumer reports

Spoke to representative to verify inquires on my account that are not mine or to verify what accounts are reporting on my credit and i was given no answer but to call the companies individually. I also cant access my credit reports from Equifax and XXXX.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Credit card or prepaid card

I am XXXX years old. 

In XXXX, XXXX and XXXX, 2023, my Citicard was charged for services I did not order. The charges were XXXX a month from XXXX XXXX. 

I called Citicard to let them know I did not authorize these charges. Citibank temporarily removed the charges from my account pending their investigation. As Citicardwas taking so long to investigate, I called them a second time and told them the charges were a result of fraud. 

The latest bill from Citicard added the XXXX XXXX charges back to my card because they verified the charges. I have no idea how they got in touch with XXXX XXXX because there was no way for me to contact XXXX XXXX. 

I will be cancelling my Citicard, but in the meantime, I have paid Citicard {$200.00} for fraudulent charges. I will not do business with Citibank again, but I doubt the bank cares.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, natural person/consumer/original creditor, noticed fraudulent accounts on my consumer reports in XX/XX/2021. The fraudulent and erroneous accounts prompted me to file a Identity theft report with the Federal Trade Commission in XX/XX/2021, which was mailed or faxed into Experian, XXXX, and XXXX. XXXX  received my report on XX/XX/2021, Experian received on XX/XX/2021, and XXXX  received on XX/XX/2021. Pursuant to 15 usc 1681c-2 the consumer reporting agencies shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. The CRAs did not block the information and are in direct violation of my consumer rights! My reputation has been ruined with the banks and these companies are also in violation of 15 usc 1692j because they are furnishing false information. I intend on litigating give that these companies are both criminally and civilly liable pursuant to 15 usc 1692k and 15 usc 1611 for willful and knowing violation
Product: Credit reporting or other personal consumer reports

The 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 These accounts have been closed and are inaccurate this is affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. This neglect has tarnished my reputation I take this neglect as harassment I feel like I am being taken advantage of and being ignored of my disputes. These unverified inaccurate accounts are violating my rights Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30days fives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately of I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my credit report. please remove these accounts from my report, they are hurting my ability to obtain credit. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX BANK XXXX XXXX - XXXX SERVICE XXXX XXXX XXXX XXXX XXXX XXXX CARD SER XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I have previously requested by mail for PHH Mortgage to outline and clearly explain the terms and conditions specifically pertaining to the Promissory Note to no availability. PHH Mortgage advised instead to decline such a request however this is a violation of the agreement between us. This complaint serves as a last attempt effort for PHH Mortgage to clearly address my concerns to ensure that my rights have not been violated and that the agreement in question does not contain material misrepresentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

they have unverifled information they have not send me verifled infomation i talk with the bankruptcy court they say they do not report to any credit burea and the court record do not report portfolio recovery associates failed to show the proper document or affavidated to me i put in a dispute to credit burea pertaining to protfolio recovery they have not send me any it been over 60 days the credit burea all ready show my document to them because i sent my document to each of the credit burea ceritifly by mail
Product: Credit card or prepaid card

I filed a dispute with Capital One. 

I attached a copy of the rental agreement. The rental agreement clearly states : Cancellation policy : Any deposits, rent and fees paid shall become non-refundable if the reservation is cancelled by Guest In this case, the reservation was NOT canceled by the guest ( me ), but by the owner of the unit. I am attaching the email that came from homeaway that clearly states : Unfortunately, the property manager had to cancel your reservation in XXXX, FL, XXXX for XXXX XXXX, 2020 XXXX XXXX, 2020. 

XXXX  site does allow for an owner OR a renter to cancel. If I had wanted to cancel on my end, I would have clicked on the site to cancel. I did not do that, which is why the email from XXXX states that the property manager had to cancel your reservation I would NEVER have clicked to cancel the reservation without a refund, because I would have let my sister and brother in law stay there without me as I stated in my previous letter, the reservation was for 6 adults including them. 
The owner chose to cancel the reservation, which is clear from the cancelation email. The contract only states I get no refund if I cancel which I did NOT do. Never in any of my emails / chat to the company did I ask for a cancelation without a refund. 
The owner did not fulfil the contract and canceled on their end which entitles me to a full refund. 

This seems to happen a lot with Capital One. The murchant responds and then the company " closes '' the complaint. I spoke to a manager who said he was the " final '' person I could speak to despite me having documentation that I did not cancel the stay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I was alerted to a purchase using my PayPal account at XXXX XX/XX/XXXX in the amount of {$12000.00} by PayPal, asking if I had performed that transaction, as well as an email regarding the same transaction at XXXX the same day. I immediately responded that I had not. I then restored the account at XXXX, removed a fraudulent passkey at XXXX, changed the password multiple times, and was able to submit a claim at XXXX. At XXXX, I also removed all payment forms to attempt to insulate myself from more fraud. I called my bank ( XXXX ) at XXXX the same day and sent an email to XXXX ( where the transaction was ) at XXXX asking to cancel the order. On XX/XX/XXXX, PayPal responded that they had internally decided that the transaction was not legitimate, despite them being the ones to flag and alert the payment. I was able to call them on XX/XX/XXXX, and they changed the reason of my claim to not receiving merchandise, claiming that this was the best way to potentially recover the money. Given that the shipping address for the transaction was not my residence ( something PayPal is fully aware of ) I believed this to be valid. On XX/XX/XXXX at XXXX, PayPal once again denied the claim. PayPal also has not provided any information on why they denied the initial claim, despite my asking.
Product: Credit reporting or other personal consumer reports

I need the Consumer Financial Protection Bureau ( CFPB ) to open up and do a thorough investigation into the XXXX major credit bureaus in regards to the credit bureaus refusing to delete and remove fraudulent hard inquiries from a consumer credit report. With the amount of hard inquiries I have on my XXXX and XXXX credit report. Its quite evident and clear all of the hard inquiries are unauthorized and fraudulent hard inquiries. The following hard inquiries currently listed and showing on my XXXX and XXXX credit report are fraudulent, unauthorized and not my hard inquiries : XXXX XXXX XXXX XXXX, XX/XX/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 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: Credit reporting, credit repair services, or other personal consumer reports

I receive daily multiple calls from this company and I have tried to tell them I am on the DO NOT CALL list. I keep asking they put me on their do not call list. Yet I still keep getting calls claiming I have something outstanding with them and they can help repair my credit. I want them to remove my number from their call list FOREVER and never to call me again. First they state they are with Helping hands and then they state they are with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.