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

Dear CFPB, I am writing this letter to lodge a complaint against Wells Fargo Bank for their fraudulent practices targeting consumers. 

Despite my previous attempts to complain, I had to contact Wells Fargo again today to inquire about the amount I need to pay on my previous bill. I specifically asked the agent to calculate the amount, considering that there are four disputed charges that should be deducted. The agent performed the calculation and informed me that I could subtract approximately {$250.00} because the four disputed charges are still pending, and I am not required to pay or incur any interest.

I then informed the agent that I had recorded our conversation as evidence in case there are any future issues for which they would be responsible. Immediately, she panicked and tried to transfer my call to her supervisor, retracting everything she had just said. 

This banks behavior is outrageous! They shamelessly deceive consumers, neglect disputes, and employ various forms of deception. They even claim that undisputed charges were not provided by the customer! 

Wells Fargo bank has shown me the ugliest side of American capitalist banking. This bank is on the verge of collapse ; they must be facing severe financial instability.

I now have two recorded pieces of evidence : 1. A complete recording of the conversation regarding the disputed charges and the information provided. 2. A recording of the banks fraudulent misrepresentation of the correct repayment amount.

I kindly request regulatory authorities to oversee this matter. If this shameless bank continues its obstinate behavior after my complaint, I am prepared to cooperate with the CFPB to take further legal action. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding closed collections accounts that continues to appear on my credit report. The details of my complaint are attached to this letter on the next page. Under the Fair Credit Reporting Act ( FCRA ), I believe that the continued reporting of these closed collections accounts are inaccurate and unjustly affecting my credit score and financial standing. This has had a great impact on my life in trying to move forward and better my family as a military dependent. Despite my efforts to resolve this issue with the credit bureau and the collection agencies, the accounts remain on my credit report.

Enclosed with this letter are copies of my identification, a copy of my credit report highlighting the closed collections account, and any correspondence related to my dispute with the credit bureau and the collection agency. 
I request that the CFPB investigate this matter and assist in having the closed collections accounts removed from my credit report.
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new car and also made sure to include GAP insurance in the event the worst possible scenario happened, and it did happen. My new car was totaled in XX/XX/XXXX. I went through the process, but the last final process has been a persons nightmare that did everything by the books to make sure not to have issues with payments and negative credit reports. I am being held liable for Kia Motor finance and XXXXRe ( Gap ) not dealing with my claim in a timely manner. XX/XX/XXXX through XX/XX/XXXX, I was calling both companies almost every two weeks to make sure my claim was being taken care of. Kia was stating they were sending the documents to XXXXRe, but XXXXRe was stating they were not receiving the documents. In short, I did everything in my power to make sure this was being taken care of properly as an active duty service member who was on orders away from my home address. This has been paid in full now by XXXXRe, but my credit report took 100+ credit score decrease, Im at risk of losing my job, even though I am not at fault for the gap insurance company that I purchased through KIA at the time of purchase didnt receive the documents on time. I purchased Gap insurance so I didnt have to come out of pocket. Now I have to deal with this sitting on my credit even though I did everything as an individual within my power. I have made numerous credit disputes, but KIA will not change the delinquent account and negative payments on my credit report. It has been paid in full. I have never had late payments, delinquent accounts, and etc. Due to the nature of my job, I cant have things like this sitting on my credit reports. I have been on the run around since XX/XX/XXXX and its getting out of hand at this point.
Product: Credit reporting or other personal consumer reports

Under the guidelines of the Fair Credit Reporting Act, it is stipulated in 15 USC 1681 section 602 ( a ) that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy. XXXX, TransUnion, and XXXX are recognized as consumer reporting agencies, and I, as the consumer, have the fundamental right to safeguard my private information, as reinforced by 15 USC 6801, which mandates financial institutions to uphold customer privacy and safeguard their nonpublic personal information. XXXX XXXX, being a financial institution, falls under this mandate. 

As per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with explicit written instructions from the consumer concerned. Neither XXXX XXXX nor the consumer reporting agencies ( XXXX, TransUnion, and XXXX ) have my consent or written authorization to share this information. Any prior consent, whether verbal, non-verbal, written, or implied, is hereby revoked. 

Additionally, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of information disclosures to third parties. XXXX XXXX failed to inform me of this right, violating the law. 

Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization, which they have done without my permission. 

Furthermore, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, it is unlawful to furnish inaccurate information to consumer reporting agencies, and these agencies must maintain reasonable procedures to avoid violations.

Lastly, as per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I am choosing to exercise that right and opt out of the reporting services provided by these agencies.
Product: Vehicle loan or lease

Loan was paid off ( XXXX balance ) in XX/XX/XXXX. At this time, the lien still has not been released after 15 months. I have called company twice and sent an email in the past 10 days. Thus far, nothing has changed. 

The company is Kia Motors Finance USA. The vehicle a XXXX XXXX XXXX, VIN XXXX was purchased XX/XX/XXXX. Account number is XXXX. Loan showed a XXXX  balance as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Name Address Date To whom it may concern, I looked at my report. I sent a letter to Transunion on XXXX XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX # XXXX On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Debt collection

Portfolio Recovery Associates is trying to collect on 3 XXXX XXXX accounts, that do not belong to me. I have disputed the allegations. Portfolio Recovery Associates has been harassing me about 3 alleged XXXX XXXX accounts, that they claim belong to me. I have no knowledge of these accounts and have disputed the allegations with PRA and the 3 major credit bureau 's. XXXX XXXX is not listing these 3 accounts on my credit report. And if they were mine, negative information would stay on my credit for 7 years. Secondly, XXXX XXXX has a policy where a consumer can only have 2 directly issued cards with them. So it is impossible to have 3. I have provided proof of this statement directly to PRA. In PRA 's letter to me, they promise to provide a " chain of title '' if requested. I have requested this multiple times, and they have not provided it. This is a violation of the FDCPA for a misrepresentation and false statement. The Illinois collection Agency Act requires PRA to provide a signed contract of the agreement, the assignment, and the consideration for the assignment. PRA has willfully not provided these items to me after I have submitted multiple letters requesting this information. They did provide me a generic BILL of Sale which makes no reference to me or the alleged accounts. Which violates a consent order that the Consumer Financial Protection Bureau ordered against PRA. Enacted in 2015, file No. XXXX. The Illinois law also requires PRA to be a licensed debt collector whether they are collecting directly or indirectly. And PRA is not licensed in the state of Illinois but is threatening to sue me and get a judgement against me. I believe these accounts may be a result of identity theft, similar name issue, or someone using my info as a co-signer, or it's just a result in error. PRA is the only one with knowledge of these accounts. And they have not provided me with proof they own these accounts, that these accounts belong to me, and that I have a contract with them or with XXXX XXXX. PRA has used multiple false and misleading representations to me, has threatened to take legal action that can not legally be taken, they never investigated my original dispute within the 30 day time frame, and they are reporting false information to the Credit Reporting Agencies without verifying and they should have known this info was inaccurate. They claim they investigated my claim, but if they would have called XXXX XXXX to verify a consumer can't have over 2 directly issued accounts, they would realize I was correct. I faxed in documents of my claims to the CFPB yesterday. The fax contained the generic Bill of Sale documents. I am contacting you again because I didn't include my email address yesterday in the fax. I apologize.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/transunion/ XXXX have stated the bankruptcy court verified the bankruptcies on my account the bankruptcies court does not provide the credit reporting information to anybody I will upload my bankruptcy letter XXXX has lied and have violated my rights as a consumer I want bankruptcies removed and all inquiries removed immediately or I will file a lawsuits! XXXX has all approved removing everything from my credit file I have disputed! And also sent out letters to all XXXX credit bureaus to remove all disputed information off of my credit file! XXXX says they are not the credit reporting agency for any of these companies! Please remove all information off of my credit report!!!!!! Immediately
Product: Credit reporting or other personal consumer reports

I have reached out to the following account below and talked to them about the issue with my account as reported by the EQUIFAX. They have advised me that they will remove the late status on my account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy 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, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX Bank has not been reporting ALL of my revolving charge cards considering I have XXXX accounts with XXXX Bank. They have been reporting only XXXX accounts and have not been reporting XXXX of my accounts to Equifax, which is unacceptable. I did contact XXXX XXXX at XXXX over the telephone on XX/XX/23 at XXXX PST and I ask the representative to transfer me to a supervisor or XXXX so I can attempt to have this resolved. I was transferred spoke with a supervisor named XXXX, who listened to my issue but stated she could not assist me and that I needed to contact Equifax to discuss my issue and have it resolved with Equifax. I then know I XXXX was providing me with absurd guidance, because why would I contact Equifax about charge accounts that XXXX Bank is not reporting to Equifax. This isnt something Equifax has control over, because why would a credit reporting company have input or control of accounts that dont have reported on their end. Its XXXX Banks responsibility to report All of my accounts correctly to the consumer reporting agencies, per the FCRA. I stated the same information to the XXXX XXXX and expressed my frustration with her poor guidance. I then asked her to provide me with XXXX Banks address to report issues or complaints. She placed me on hold about XXXX minutes and then provided me with the main address for XXXX Bank.
Product: Credit card or prepaid card

Further to my Complaint no.   XXXX   and the Company 's Response, I reiterate that I applied for the card under the promotional offer by clicking on a link to the offer. Although the welcome bonus offer was described in the terms and conditions and an additional disclosure before I applied for the card, American Express should have either denied my application or informed me that I was not eligible for the offer at the time of approval of my application.  Amex did neither, and made me believe that I never had a similar card in the past and that I was eligible for the offer. Only after meeting the offer requirements and demanding the bonus, Amex told me that I previously had a similar card. It is clear that Amex was not fair in communicating with prospective custo mers.
Product: Checking or savings account

On XX/XX/XXXX I tried to access my BMO Harris account online. I logged on to my account using my user name and password. There was a message that I must agree with BMO Harris Bank Digital Agreement before I could access my account information. I read the BMO Harris Bank Agreement but I did not agree with everything in the agreement. I did not have the option to disagree with any parts of this agreement. They did not provide the information regarding Illinois and Federal Law/Regulations that makes this banking agreement legal. I went into the local BMO Harris Bank branch in XXXX IL the same day and was told by the branch manager XXXX XXXX that unless I agree with the BMO Harris Bank Digital Agreement I will not be able to access my  account online. I have been doing online banking with Harris Bank and later BMO Harris Bank since XXXX and I have never had a problem accessing my online account information. I have a problem with the " You must agree to the terms outlined in the Digital Banking eSign Consent and Disclosure in order to proceed ''. I understand that if I don't agree with BMO Harris Bank policies that I can take my money out of the bank. I just want to know that banks like BMO Harris Bank can option out of any liabilities by having their customers waive away their rights by agreeing to these types of agreements.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed several items and information that I did not authorize or have knowledge of. These fraudulent items must be removed from my credit report immediately, as per FCRA Section 605b. I have filed a CFPB complaint and provided the necessary documentation to support my claim. I need the following items investigated and removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to clarify that I did not open or give authorization for these items to be listed on my credit report. As stated in FCRA Section 605B ( a ), the credit reporting agencies are required to remove any information listed on an ID theft report, and I have filed such a report with the FTC. I expect these fraudulent items to be removed from my credit report within four business days of receipt.
Product: Credit card

The following credit card account is listed on my credit reports as charged off. However, when requested a copy of the 1099-C so that I can report it ( write if off ) as income, no documents have been provided. The denial to provide tax documents is alert of fraudulent activity. 

Bank of America XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/scrub>XXXX XXXX XXXX  and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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  LA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( 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 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. I also asked for the original contract to be provided and it was not.