23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Opened an " online '' checking account with Wells Fargo ( WFB ) on XX/XX/2021. Received a confirming email that " Your Account is Open ''. 

Began making deposits/withdrawals, and did so until XXXX XXXX, XXXX when I received a letter from WFB stating the account would be closed unless I drove a minimum of 40 miles to PHYSICALLY SIGN some papers in an unknown branch. 

WFB either lied or deliberately misstated its claim to be an online banking institution when it is forcing its new customers to drive to a brick & mortar location to physically complete was was advertised as an 'online ' banking service. 

Also, I supplied in writing, TWICE, the requested information via regular mail to WFB, which apparently was ignored. 

THEY LIE TO POTENTIAL CUSTOMERS IN ORDER TO USE THE MINIMUM DEPOSITS CUSTOMERS MAKE FOR A FEW WEEKS FOR FREE, in addition to costing unsuspecting individuals costs for check printing, rearranging their financial pictures, etc.
Product: Credit reporting or other personal consumer reports

PORTFOLIO RECOVERY ASSOCIATES is in direct violation of my Consumer Rights. According to the Fair Credit Reporting Act as a Consumer I have a right to Fair and accurate credit reporting. As a Consumer I have a right to ask that the consumer reporting block inaccurate information that may be the result of identity theft. On numerous occasions PORTFOLIO RECOVERY ASSOCIATES was informed THE FOLLOWING account information being FURNISHED to PORTFOLIO RECOVERY ASSOCIATES and reported by PORTFOLIO RECOVERY ASSOCIATES is in fact inaccurate and they continue to report. PORTFOLIO RECOVERY ASSOCIATES is using the color of Law to publicize and report inaccurate and private information that has resulted from it's own ACTS of FRAUD and IDENTITY THEFT as defined by 15 usc 16819 ( a ) ( q ) regarding the following accounts collection.In addition, PORTFOLIO RECOVERY ASSOCIATES was also informed above mentioned accounts are involved in litigation. I have not supplied proof under the doctrine of estoppel by Silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may Presume that no proofs of the alleged debt, nor therefore any such debt in fact exists. There are several addresses being reported that do not belong to me as well as inquiries. The only address that should be attached to my consumer file is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Pennsylvania. There should be no HARD inquiries. My file contains the following unauthorized inquiries that must be removed pursuant to FCRA. Collection and XX/XX/year>
Product: Debt collection

Someone other than myself who was not authorized by me has illegally obtained a credit card and defaulted on the charges. This collection agency purchased the debt from a credit card issuer that is no longer in business and illegally obtained a default judgment against me without my knowledge. When I was made aware of the debt, I requested evidence to support/validate the debt as belonging to me. This company has nothing to support the debt or judgment being accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX CT XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXX XXXX XXXX : {$0.00} 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : 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

Experian has failed to fulfill its legal obligation under the Fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, were Experian has neither corrected nor removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting from the date of XX/XX/2022 I sent investigation letters to credit bureaus. I requested to " investigate every piece of information '' of multiple accounts that I will list below. ACCOUNTS WERE REMOVED AND IMMEDIATELY PLACED BACK ON MY CREDIT REPORT, So I have also attached copy of tracking numbers from sent letters and copy of credit report. 

According to the FRCA 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

With that law being QUOTED, the bureaus stated that their investigation of accounts were verified, but how is that possible if there wasn't a proper investigation according to the law stated in above paragraph. And as a result, every piece of information on these accounts are not reporting one hundred percent accurately. FRCA 15 USC 1681 ( e ) STATES, EVERYTHING HAS TO BE ONE HUNDRED PERCENT ACCURATE. WHICH NEITHER OF ACCOUNTS, THAT WILL BE SEEN BELOW IN DOCUMENT UPLOAD SECTION IS NOT ACCURATE.
Product: Vehicle loan or lease

In 2014 for about 6 months I was going back and forth with Nissan on my auto-pay to pay my monthly lease. Every single month someone would tell me to set-up my auto pay and I did. For some reason every month the payments were not going through. So every month Nissan would call me when I was late. It was a monthly frustration. Lastly the last call I believe I had someone walked with me over the phone to set-up auto pay over the phone and from that day it was n't a problem. I had the money, I had a job and making monthly payments to many things at the time but for some reason my confidence was in the auto pay. I had not had confidence in it I could of mailed the checks to avoid being late. I tried working with Nissan on the matter but they really showed me they do n't care about me. They just want my money. No customer satisfaction on the finance side apparently.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I Have Realized In Accordance With The Fair Credit Reporting Act XXXXXXXX XXXX XXXX Has Violated My Rights 15 U.S. C 1681 Sections 602 A States I Have The Right To Privacy 15 U.S. C 1681 Sections 604 A It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions or Consent Also There Was A Hard Inqury That XXXX XXXX XXXX XXXX  And XXXX XXXX XXXX XXXX XX/XX/XXXX Without My Knowledge As Well
Product: Debt collection

I was over charged by Lexington law repair credit union and did not receive the help I was told
Product: Credit reporting or other personal consumer reports

I am refiling my complaint to TRANSUNION regarding the unresolved fraudulent accounts still appearing on my credit report. Despite multiple dispute letters and the attached FTC Identity Theft Report ( Report Number : XXXX ), these inaccuracies remain uncorrected. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation and correct inaccurate or incomplete information within 30 days of receiving a dispute. To date, this obligation has not been fulfilled, and your inaction continues to harm my reputation and financial standing. I request the immediate removal of the fraudulent accounts listed in my prior disputes, as they violate my rights under the FCRA. 
Additionally, I ask that you provide a detailed explanation if you determine the items are accurate. Please note that failure to resolve this matter will compel me to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies. Thank you for your urgent attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish accounts # # # # # # XXXX, # # # # # # XXXX, # # # # # # XXXX # # # # # # XXXX, # # # # # # XXXX, And I DEMAND these accounts be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. These medical collections are violations and must be removed.
Product: Debt collection

After a careful review of my recent credit report, I found various unauthorized accounts that I believe were added fraudulently.
Product: Credit card

Credit Care cancelled my credit card do to inactivity. This has affected ( lowered XXXX my credit score. I had do nothing wrong and had no late payments etc. Symphony Bank said my other card XXXX would also be cancelled do to non activity. This has large credit availability and will further effect my credit score. They want me to use my card and for them to collect interest or suffer the consequence. I see no other reason to cancel an account if it was and is in good standing, never late and paid the balances on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inaccuracies on my credit report need to be removed and blocked from my credit file soon as possible I can not obtain any credit in my names because of this problem please have high concern of this manner it is effecting my financial life thank you XXXXXXXX
Product: Credit reporting or other personal consumer reports

I applied for a mortgage in XX/XX/XXXX. The mortgage lender shared that he did not see any issues with me being approved based on the two credit reports he pulled but he was required to use all three reports. They were not able to get the report from Equifax. The lender and I called separately and on a three way call, They told use that there were no blocks on the report and the company should be able to pull it but everytime they tried, the were not successful. I tried another bank, they also said they don't see a problem with approving me for the loan based on the two reports they received but they need to see the Equifax report but it eas coming back with a message, " no hit ''. When I called to give Equifax permission to release my credit report, they stated, the bank should be able to pull it. I spoke to Equifax supervisors but they were not able to tell me why I'm having the problem. After calling Equifax at least 10-15 times, I reported the issue to CFPB on XX/XX/XXXX and they sent back the response from Equifax stating there is no hold on my credit report. I went back to the same bank in XX/XX/XXXX and they still were unable to pull the report and received the message " no hit ''. I applied for a mortgage with a new lender in XXXX and they were not able to access one of my credit reports. This is a huge financial strain on me, I should be able to purchase a home instead of paying expensive rent.
Product: Checking or savings account

I went in on Saturday XX/XX/2020 to open a new chase banking account with my husband. Everything was fine and the banker informed us our account is open. I deposited two checks into the account. Today XX/XX/2020 I try to log into my chase bank account and my account says I must call due to suspicious activity after 30 min on hold the rude lady informs me my account has been closed and no information why. I have not been notified by chase. I have paid off my credit cards and am in good standing with my other banks. I checked my XXXX XXXX and there is no negative remarks. Chase informs me Ill receive a check in 10 days with my deposited amount my husband and I have no money and a XXXX year old baby this is ridiculous. I do not know what I could have done to cause this to close and why I wasnt just declined the day I went in for the account? We lost {$1000.00} can not afford food this week and are struggling. Chase is so rude and only tells me we do not want to do business with you I wasnt even warned!
Product: Debt collection

I cycled through a bankruptcy in XX/XX/XXXX. One creditor I had was BofA. I pulled my XXXX  Credit report in late XX/XX/XXXX. I found there was inaccurate information in my XXXX  report concerning a bankruptcy discharge of the a BofA credit card debt. After contact with XXXX they reached out to BofA in late XX/XX/XXXX and BofA did not respond... so XXXX  took the debt off my credit report. Fast forward to XX/XX/XXXX and my credit monitoring service sent me a text stating my credit score had dropped 50 points. I logged into the credit monitoring an saw that XXXX  and BofA had reposted the debt that had been originally taken off (early XX/XX/XXXX) due to the BofA violation of the FCRA. I contacted XXXX  by letter and followup phone calls and they told me they could not help me and laughed at me when said I would be calling the CFPB. Next, I called BofA and advised them of the problem and that through the FCRA were supposed to make notice to me of the reposting and disclosure of a debt according to 15 U.S. Code 1681s-2/h. BofA representative XXXX XXXX told me she could not help me and... when I mentioned I would be filing a complaint with CFPB and she almost dropped the phone laughing at me.Debt partial number XXXX Opened XX/XX/XXXX - Closed XX/XX/XXXX.
Product: Checking or savings account

XXXX from Key Bank called with no answers-I told her to overnight my card uts been 15 months. She refused. This bank stole {$2000.00} and is refusing to send a working card. I asked for card XX/XX/2020 and XX/XX/2030 and still have no card.
Product: Debt collection

this account was paid and i ask them to remove from my credit which they did not when i ask do they pay for delete they said they did.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX Issue : Scammed by the XXXX XXXX XXXX XXXX ACIMA Lease # XXXX. 
I hereby wish to inform that I was scammed by the XXXX XXXX XXXX XXXX XXXX, located in XXXX, Florida XXXX. I request to cancel the purchase. 
ACIMA CASH PRICE : {$1600.00} RENTAL COST : {$2200.00} TOTAL PAYMENTS : {$3800.00} Total paid until XX/XX/XXXX : {$230.00} They ( XXXX  ) sold me a XXXXXXXX XXXX chain and bracelet that does not have XXXX XXXX XXXX According to what they explained to me at XXXX XXXX XXXX, the chain and bracelet were XXXX XXXX  with a XXXX XXXX  XXXX. 
I indicated that I agreed with those characteristics and agreed to buy them through ACIMA. I received the chains today XX/XX/XXXX. XXXX sent me a ticket from another person Invoice # XXXX which does not belong to me. 
To verify the veracity of these chains I went to the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a serious company with many years located in Florida, XXXX, which has countless XXXX XXXX XXXX in Florida, XXXX. 
At this Jewelry " XXXX XXXXXXXX '' I was assisted by the store manager XXXX XXXX, who reviewed the chains, performed some tests, in which he determined that the XXXX XXXX is not XXXX. Both chains did not pass the XXXX  test. XXXX XXXX determined the cost of sales of both items based on the type of item and its weight at {$100.00}. The chains that XXXX XXXX XXXX XXXX sent me are fake and do not have the sales value that they requested. I do not agree to pay for fake chains. 
I hereby request to cancel the purchase made at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL. 
XXXX. 
I suggest that this ACIMA credit can be transferred to XXXX XXXX XXXX XXXXXXXX XXXX. 

Waiting for your cooperation, XXXX XXXX XXXX XXXX Please contact me in XXXX.
Product: Vehicle loan or lease

Hello I bought a used car at XXXX in XX/XX/2016 I have paid it since that time and it is about 3 years and 10 months. 
My credit score was low so I had to buy it with high-interest rate. 
Anyway It is a monthly amount is about {$460.00} but I have still my pay off balance is higher than original loan amount. 
I could know it I requested a payoff amount couple months ago. 
I shocked because I could not know daily interest charge every day but I didnt hear the daily interest when I sign the document. 
It is obviously scam loan and loan comapny name is Bridgrcrest.

When I buy the car , drive time staff purposely let me waited a long time ( 3hours ) for ready for signing a document, to make me tired after the downplay the money. 
I think it is their plan that buyers lose pay attention for the rate. 
this company is a scammer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting

I was recently denied credit based on information retained by Equifax Credit Information service. When I tried to inquire by phone at the given number XXXX, I got an automated attendent that after I told it " Denied '', it said I had to use a credit card to pay for my report/score. I tried to tell it otherwise, but it seems preset towards this option. The only other option given for communication if by mail to a XXXX. This all appears unfairly set up to discourage compliance with consumer requests.
Product: Credit card or prepaid card

I was in the process of making a valid charge to Care Credit, A Synchrony Bank issued card. 

The transaction was denied, I was not told why, but I called Care Credit, and was told that my card had been flagged for fraud. I must add that the transaction was done through Care Credit 's Website, not over the phone or with the merchant. 

I asked to speak with a supervisor and had a hard time getting one because the customer service rep was making excuses for transferring me to a supervisor. 

Things started out well, but they quickly devolved in me being angry, and then shouting and then swearing at supervisor. 

None of the information that I gave to the supervisor in the Fraud Department was sufficient to this person to verify me. The phone numbers weren't acceptable, then my email address, my cell phone number wasn't going to be of use, because the cell phone is from XXXX, not XXXX, XXXX, Etc. My email address wasn't acceptable either. 

I asked for questions but she refused. 

I'm a serial swearer and I must say my language was not my bright moment. But I was doing what was expected and she was refusing to use the information because she couldn't supposedly verify it. Which I think is a bunch of XXXX. 

The payment has not been authorized and now I have to wait for some XXXX letter in the mail.