23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My credit report is inaccurate and Ive tried to fix this issue several times.
Product: Checking or savings account

With all the news about Wells Fargo, I wanted to send in my complaint even though it was from XXXX XXXX. I closed my account during the down turn at Wells. I did have some automatic bill pay, but the bank told me when I closed my account that they wo n't be able to take money out since it is closed which made sense to me. However, a few months later they contacted me and said I owed them {$2500.00} because they were charging me overdraft fees even though my account was closed for any automatic bill pay. They bullied and threaten me that all banks belong to a service and if you are on the list then you ca n't get a bank account anywhere in the city. So I borrowered the {$2500.00} from my dad and paid them for the fees! Then when I did go to the branch and paid them I asked over and over if we are square and nothing more to be paid. They assurd me that nothing more would happen. A few months later they call me and said I owe them {$500.00} more or they will take me to collections. I was irate and after telling my story, I never heard from them again. Fortunately, I never saw a collection on my credit report. I 'll never see that money again but you need to know what bullies they are and how they ripped me off! Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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: Debt collection

PRO COLLECT is claiming that I owe them {$0.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the 3 credit reporting agencies ( XXXX, XXXX  Transunion ) 4 letters disputing the items below on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I want to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must  remove the accounts listed below XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX Hospital acct # XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX act # XXXX XXXX XXXX XXXX acct # XXXX XXXX Transunion and XXXX  has repeatedly ignored my 4 letters sent XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating that the items are verified by the company who paid them. Of course the company who paid them to put items on my credit will say they are mines. Who are these people? Where is the proof? The credit reporting agency must abide by the federal law, and delete these items from my report. With the data breeches the credit reporting agencies have had, I do not trust anything they say.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE. You have a right to place a " security freeze '' on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application youmake regarding a new loan, credit, mortgage, or any other account involving the extension of credit. A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing  account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements. ( page 13 of 14 of online credit report for Transunion ) Issue - Transunion denied access to XXXX regarding credit line increase, contrary to above policy.

Relief Requested - 1. Reword the conditions language to clearly explain soft versus hard inquires ( for soft credit increases - offered by the bank itself- versus credit line increase versus increase requested by the consumer ) and 2. Program the computer to notify the consumer electronically ( email or text, if ok 'd ) of a failed request for information related to an existing account. Waiting for a USPS transmitted letter of denial from a bank is unacceptable in light of the very large amount of mail that gets lost in transit and the time involved. Credit agencies should be required to upgrade to the needs of the 20th century at least, if not the 21 st century. Transunion itself is encouraging people to use its web sites. I understand that some reports from Transunion can be sent to the consumer but not the kind of denial mentioned in relief request 1, above.

3. Cease the use of trick questions without backup. One agent asked ( in an older incident ) did you work in the state of XXXX. I objected that there is no such state. The agent denied access and said she could not offer an alternative question because we didn't answer the first correctly. The second denial was the answer to " what is your second XXXX account. When I pointed out that the second XXXX account had my wife as a Primary, he said that the response was inadequate. It had to be me as a Primary on the account. He also would not offer a second question despite my having answered name, address, SSN at the least. 
Transunion has been a particular problem and you have to pass authorization just to talk to someone.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the fraudulent items on my account. This letter marks the several attempt to address and rectify this issue, and I am deeply frustrated that it has yet to be resolved. 

Despite multiple assurances and promises of prompt resolution, the fraudulent charges remain on my account, causing significant financial and emotional distress. As a loyal customer, I expect better service and immediate action to rectify this matter. 

I have diligently followed all procedures outlined by your company, including contacting your customer service department, submitting dispute forms, and providing any requested documentation. However, despite my efforts, the fraudulent charges persist, and I am left feeling helpless and frustrated. 

I urge you to prioritize this matter and take swift and decisive action to remove all fraudulent items from my account. Additionally, I request regular updates on the progress made towards resolving this issue and a clear timeline for when I can expect the matter to be fully resolved. 

Failure to address this matter promptly and effectively will leave me with no choice but to escalate my concerns to relevant authorities and explore legal options to protect my rights as a consumer. 

I appreciate your immediate attention to this matter and anticipate a satisfactory resolution without further delay. With this, I am asking for your assisstance to remove these fraud items in my credit file : Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance XXXX {$3100.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$3100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX. 

Inquiry Not Included In Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XXXX *No Inaccurate Personal Information* New Late Open : XXXX  XXXX Balance : {$16000.00} Charge off : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3100.00} Inquiry Included In Dispute : XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Lots of scam forex brokers open fraudulent accounts with east west bank, and victims got lured by scammers wiring large funds to those personal accounts opened by the fake brokers. As one of the scam victims I tried to call East west bank fraud department multiple times reporting the frauds being committed by fake scam broker who opens multiple peroneal accounts in east west bank with no luck, the associates either away from the desk or voice mails are full, not able to reach any of them. 

I lost XXXX dollars to scam broker 's accounts in east west bank, the bank should freeze those accounts and pull the money from those scammer 's accounts and return to victims instead of ignoring it, just simply says no way to return. 

Date 1 XX/XX/XXXX Bank NameEast West Bank Bank Account Holder NameXXXX XXXX XXXX XXXX XXXXXXXX XXXX ROUTING NUMBERXXXX ACCOUNT NumberXXXX Beneficiary Bank AddressXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Beneficiary Address XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ca XXXX XXXX dollars 2 XX/XX/XXXX Bank NameEast West Bank Recipient name : XXXX XXXX Routing numberXXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Recipient bank name : East West Bank Recipient bank address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CAXXXX Account Holder Address:XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX dollars 3 XX/XX/XXXX Bank NameEast West Bank Recipient name XXXX XXXX XXXX Routing numberXXXX : XXXX XXXX XXXX : XXXX Account number : XXXX Recipient bank name : East West Bank Recipient bank address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CAXXXX Account Holder Address:XXXX  XXXX XXXX XXXX XXXX, ca XXXX XXXX dollars 4 XX/XX/XXXX Bank NameEast West Bank Recipient name : XXXX XXXX Routing numberXXXX XXXX XXXX XXXX XXXX : XXXX Account number : XXXX Recipient bank name : East West Bank Recipient bank address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA,XXXX Account Holder AddressXXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX dollars 5 XX/XX/XXXX Recipient name XXXX XXXX XXXX Routing number/XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Recipient bank name : East West Bank Recipient bank address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA,XXXX Account Holder AddressXXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, Ca XXXX XXXX dollars Total : XXXX dollars
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX15 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. 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. The following inquiries were also opened under my social security number fraudulently. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a Credit card account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX. Account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account XXXX, a credit card at XXXX account opened XX/XX/XXXX under account number XXXX, an credit card opened at XXXX opened on XX/XX/XXXX under the account number XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

XXXX XXXX XXXX  owes me a refund of {$2500.00}. The XXXX XXXX XXXX Representative said that they refunded the Credit Card XXXX XXXX Comenity Capital Bank ) the entire {$2500.00}. I faxed XXXX proof of the deposits of {$1900.00}, {$210.00} and {$210.00} made on the credit card statement that only totaled {$2300.00}. I received a refund from Comenity Capital Bank, however, the itemized billing clearly shows that the refund check only included the {$2300.00} from XXXX XXXX XXXX, not the entire refund of {$2500.00}. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is my 4th complaint with XXXX XXXX XXXX. They keep sending the same fraud acct to different collection companies. Each time I contact The Consumer Protection Bureau. This acct was opened due to Fraud. Because I feel XXXX XXXX XXXX and its affiliates have purposely allowed fraud and allowing someone to cause so much hardship disabling me unjustly I will be filing a suit. Afni, which is a company I have never even heard of will be included in this suit.
Product: Credit card or prepaid card

I made a purchase on XX/XX/2021 buying XXXX tickets to a top golf event held at the football stadium. The event was on XX/XX/XXXX and I arrived and there were no directions or instructions on where to enter. Finally after circling the stadium 3 times, we found out there was no ground level entrance and it was hidden in the parking garage. Therefore, we arrived 5 minutes late for the event and they would not activate our golfing booth. We were not allowed to participate after paying for the event due to the lack of organization by the company. We paid for an hour, arrived only 5 minutes late and were not allowed to participate. The company refused to help and so I disputed the charge. The dispute was settled in the merchants favor with the reasoning sufficient evidence was provided that I made the purchase which proves they didnt read what I wrote as I never denied making the purchase, I made the purchase BUT was not given the product/service I paid for. I called the card company, told them this information and that I made the purchase but that they didnt provide the product/service. Again, they settled it in the merchants favor so now I am filing a complaint with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXAccount Name : XXXX XXXX XXXX Account Number : XXXX Amount owed : XXXX Date : XX/XX/2022 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
Product: Credit reporting or other personal consumer reports

I see that the same account appears in my credit report. I believe that your company do not investigate this account because there is no updates received regarding the investigation of this account. 
XXXX XXXX XXXX XXXXXXXX Balance : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 
11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, TX XXXX 12. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian:XXXX XXXX XXXX XXXXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting or other personal consumer reports

I requested the removal of 2 bankruptcies on 20 different occasions. Each time they send me a notice back said its verified as accurate by XXXX XXXX and Us Bankruptcy. Contacted both XXXX XXXX  and us bankruptcy court an neither of them had verified any an information sent them my documents from both companies and they are still refusing to remove the items. Attached are the documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX
Product: Mortgage

I have been trying to get off my Ex-Husband 's HELOC with Bank of America for two years. His name is the only name on the note it'self. My signature was required because Michigan was a dower state at the time. My name was on the application only which had expired. I have written several letters and my ex-husband has called several times. He has been making the payments for 9 years. Bank of American refuses to take my name off. The note is from a lending company that no longer exists. They want him to refinance which costs money. They will no longer respond to any of my requests.