23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I requested deletion of my personal private info before they transfer it to a new lender as I no longer have a sallie may credit card. They sent a denial stating I still have an account. The credit card was closed years ago. O confirmed over the phone it was closed years ago. Bit they refused to delete my personal info from their database evem thoigh they have a request form to do so.
Product: Checking or savings account

I was notified by XXXX XXXX that someone using my name and SSN had opened an account with BB & T bank in XXXX NC. After some three hours over two days I spoke with people in their fraud Dept. who were difficult to understand and seemed incapable of comprehending the simplest issues such as I was not the person who opened the account and could not just go to the branch to close the account if I didn't know where it was let alone that California is not near North Carolina. 

Also I thought it was strange that they would ask detailed questions regarding MY credit and bank accounts. After I refused to disclose any of that information she said that she could not help me any further. I asked that they send a letter to me confirming that I had informed them that the accounts were fraudulent and that I asked that they be closed, She replied that she could not.
Product: Credit reporting or other personal consumer reports

XXXX 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. These failures align with my experience, where XXXX has neither corrected nor removed disputed 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 XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

Due to financial hardships I filed for bankruptcy about a year and a half ago ; however, I reaffirmed the debt I owed to XXXX XXXX for an engagement ring. During the bankruptcy Weltman, Weinberg and Reis, LPC acquired the debt after the debt changed hands at least twice. I am unsure why a debt collector acquired the debt that I reaffirmed an agreed to pay under the initial terms. Weltman increased the balance I initially owed by {$700.00} ; stating that they did not receive some of the payments. I even asked if the {$700.00} is a fee that Weltman is charging me to service the debt and was informed that it is not. I contacted the company who had the debt initially ( XXXX XXXX ) after XXXX finance company and was informed that the amount due that Weltman continues to provide to me is incorrect. I contacted them most recently last week and was informed that my balance is slightly over {$1400.00}, but Weltman indicates that it is almost {$2100.00} and counting ( with daily interest added ) Weltman however, refuses to correct this error. The debt was reaffirmed ; which means that I agreed to pay it under the same terms as previously agreed to when I initially acquired the debt from XXXX. Lastly, Weltman adds additional interest daily, to the balance owed ; even though I continue to make on-time monthly payments.
Product: Debt collection

Harnessing phone calls. Almost 30 attempts in one day which has increased since I submitted my previous claim.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX  under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX and a collections account opened at XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$9800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

this account is 15 years old account number XXXX I am disputing this because its beyond the time frame
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   DELAWARE did n't replying in a timely manner to any of my letters, or have they to date after numerous certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCP A 807. False or misleading representations [ 15 USC 1962e ] As  they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other act ion ( o r in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am prepairing lawsuit against Equifax,   XXXX    &  XXXX  for not investigating nor responding to me as well, and taking no action when  BARCLAYS  BANK DELAWARE did not reply.
Product: Credit reporting or other personal consumer reports

I FILED A CEASE AND DESIST ON XXXX IN XX/XX/year> AND NOTICED THEY PUT A LATE PAYMENT FOR XXXX ON MY CREDIT REPORT. 

28 USC SECTION 241 REMOVAL IMMEDIATELY OF THIS CODE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on. for 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 XXXX XXXX XXXX XX/XX/2021 OPEN BALANCE {$1900.00} ORIGINAL CREDITOR XXXX XXXX XXXX 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Checking or savings account

I just want to make clear of this i got a letter in the mail stating that i have exhausted my mediation with wells fargo so i was told to take care of this matter in this area. I am very frustrated with wells fargo in how they handled my account. First of all they closed my account not letting me know anything and from because i had reported fraud on my account with multiple charges they said nope your gone took away my priveleges and mishandled my account very unprofessional also how they handled things. Also i been noticing money was missing in my account when i had paid all my bills and such. money was stolen out of my account from the company that had money in my account from when i got paid money from work i really think that they handled that very poorly and charged random fees to my account i do think they need to take better care of their former and regular customers and mislead people. very unacceptable. i think this bank is bad for business because they dont know how to handle peoples accounts. I would like Wells fargo to send me a relief check of up to {$10000.00} in damages not exceeding the amount but anywhere inbetween there would greatly be appreciated just very unprofessional how they took advantage of a XXXX adult very sad
Product: Credit card or prepaid card

I was gifted this prepaid card by XXXX XXXX on XX/XX/XXXX as compensation for a flight problem. It expired yesterday XX/XX/XXXX. Expiration XX/XX/XXXX. I asked the company-myprepaidcenter.com to reissue and they will not. I was told that in MA, I have 7 years to use the card. It's been 6 months.
Product: Debt collection

This complaint will serve as notice to the CFPB that all though my last complaint was marked as " duplicate '' and terminated, this is an on going matter that has NOT been solved and this company continues to illegally report negative, inaccurate and invalidated debt on Claimants consumer reports and MUST be held accountable. 
Claimant has asked for and demanded Validation of Debt pursuant to 15 USC 1692g - MANY TIMES CLAIMANT HAS NEVER RECIEVED TRUE VALIDATION.

Claimant has sent sworn testimony in the form of Affidavit of Truth and FTC Identity theft complaint under Title 18 USC 1028a ALL HAVE BEEN IGNORED ILLEGALLY Claimant has demanded an audit trail in accordance with 12 USC 5562 ( c ) ( 10 ) in order to verify what occurred with this account.

AGAIN IGNORED. Never received.

Claimant has demanded a statement under penalty of perjury that this bank in fact loaned Claimant any money.

NEVER RECIEVED.

Claimant is aware that this company is in violation of TILA regulations, FDCPA regulations, FCRA regulations and more. Claimant also has noticed this company just settled out of a major court case in XXXX for their deceptive and illegal practices. 

On XX/XX/2022 Claimant mailed via certified mail number XXXX XXXX XXXX XXXX XXXX a 'NOTICE OF INTENT TO SUE ' to the company as their FINAL notice. If they do not remove the information from all consumer reporting agencies and delete the fraudulent account immediately we will be handling this in court. Claimant will be seeking damages in the amount deemed fit by the court. This complaint will be being made to the XXXX attorney generals office as well as the XXXX attorney generals office
Product: Credit reporting or other personal consumer reports

I havent gave anyone permission to run my credit report XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX applied to anything this year Ive reached out to credit bureaus never get an answerr I want and need these things removed from my credit report please and thank you. 



Also I have an late payment stuck on my credit I wonder if you guys can help Ive reached out to the credit union for an pay to delete delete still hasnt heard anything back
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, I began a 3 year lease and set up an automatic payment with GM Financial with my checking account. For the 3 year period, I made payments as planned. The last few payments I made were not accepted by GM Financial. They claimed that a tax change to the lease changed the payment amount so they could not accept payment. When they began calling from unknown numbers, I was traveling and did not pay attention to this until a few weeks later. 
GM Financial refused to accept payment and reported to the credit bureaus that I was missing payments. This should not affect my credit score and I asked GM Financial to rectify the error. Even though the remaining lease amount was paid in full before the end of the lease, they refuse to even make an attempt to change my record. 
I've disputed the issue with the credit bureaus and most I've heard back is that GM Financial told them that the erroneously reported late payments are correct. 
I never missed the lease payments and was making them on time. GM Financial is at fault ( if anybody ) for refusing to accept my payment, but they took it a step further by putting a negative mark on my credit report. I should not have bad credit for missing phone calls. 
Attached is a statement from the beginning of the lease showing an auto payment deduction from my checking account.
Product: Checking or savings account

Chase Bank without notice decided to close my accounts. 2 Business accounts 1 credit card and a business credit line. Besides closing the account, they are holding on to my money. They said they have to mail a check. To this day I haven't received anything 15 days later. My business has no cash to operate and ACH payments are being returned like crazy. They said they mailed a letter informing me that they will be closing me which I hear from others its just a complete lie. 
They know how to get in touch with me when they want. I get emails and text so they aren't being honest when they say they mailed a letter. They are holding close to XXXX XXXX XXXX. 
I want my accounts and credit card reopened. They closed the account XX/XX/2023 today is XX/XX/2023. I called them on XX/XX/XXXX and they said their decision was final. I heard they do this a lot of customers.
Product: Credit card or prepaid card

They Violated the truth and lending act by not disclosing that When I gave them my social security number they went in my trust and took funds out and you have a fiduciary obligato make sure I'm taking care of but they're not and they're still taking money out and they're double dipping With the remittance coupons they fail to accept but cash for their company.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a charged off/closed account with late payments from XXXX XXXX which is a direct violation to the ftc
Product: Credit card or prepaid card

Hello- I have a XXXX  's store credit card. I do use it and currently have a XXXX   balance. In XX/XX/XXXX I received a letter stating that I was going to get-or being upgraded to an XXXX XXXX XXXX XXXX XXXX. I already have an XXXX XXXX card + I don't want to pay for another credit card. It is not clear if there is an extra yearly fee. I have until XX/XX/XXXX to decline the card. My issue is that I have tried to call the XXXX number and tried several times to log on to the XXXX address to decline the XXXX XXXX card. It sends me to the XXXX questions page. Please help. I don't want the card.
Product: Credit card

I have applied and received credit card with Frontier/Barclay Mastercard that advertised reward earnings on expenditures for reward incentives. I have had ( XXXX ) Frontier Accounts for incentives resulting in excessive delay rewards, however the partnership ( web portal with Frontier Airlines does not reflect their 30-60 day post of reward incentives causing the customer delayed incentives for benefits, The Frontier company partner gave the consumer ( XXXX ) accounts resulting misrepresentation and failure to serve the consumer and their partner agreement ( s ). The customer has to comply with current payment agreements, lates fees, interests, according to credit card federal laws, however, the customer has no remedies under the U.S. Constitution-statutory 4th and 14 amendments for theses protections in granting reward incentives.This consumer is asking for equal protection under the laws. Consumer using web portals have delayed benefits and fraudulent verbal agreements to remedy the consumers in application and use of reward benefits promised by both companies and their representatives.or agents resulting in consumer delays and inadequate uses of said rewards.
Product: Credit card

On XX/XX/year> at XXXX pm, I, XXXX XXXX XXXX XXXX, attempted to withdraw {$220.00} from the atm owned by XXXX Bank, using my credit account through Chime. I inserted my card and entered my pin number, the machine made a cycling through sound, but I did not receive the {$220.00}. Instead it printed only printed a receipt for a deduction of {$220.00} from my account. I immediately notified the wawa employee next to me, who advised me to contact Chime and notify them of the atm dispensing error. I immediately called Chime and opened a dispute, which was dispute number XXXX. I explained the situation to the Chime representative, provided the location of the XXXX atm, XXXX XXXX XXXX XXXX, XXXX, VA XXXX, and the atm number, XXXX. I called immediately, after finding out that my claim had been denied just a few days later, and submitted additional documentation for an appeal. I then received an email a day or XXXX later, with another denial from Chime. I tried reaching out to the owner of the atm as well XXXX Bank, and asked them to do an atm audit, to prove that the atm would be {$220.00} out of balance, but the XXXX Bank representative stated that I had to contact Chime to get my cash. At this point I am not certain what other course of action to take.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Dept Of EducationXXXX ( All Accounts ) 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
Product: Credit reporting

I previously disputed santander credit reporting with Equifax and received verification results that the account was verified as mine. It stated in the response that historical account information was deleted however it was never done. I was never 90 days late and that invalid derogatory information is harming my credit integrity. After I was notified of the removal of the historical account information it wss continuously reported on my credit as 90 days and I was never 90 days late. Now this account shows 14 90 day lates and I need ever had 1 reporting after the repossession all the way until I paid the account of in XXXX 2016. XXXX repossessed the vehicle at 85 days so that was n't ever 90 days. This invaild reporting is harmful and causes me to be denied for credit and to be given unfair interest rates due to the excessive late payment history.
Product: Credit card or prepaid card

I received a USBank Reliacard debit card today XX/XX/2021 for unemployment. I am most definitely NOT unemployed, I own my company and did NOT lay myself off. I have tried repeatedly to contact the state of Ohio unemployment and they hang up on you after ridiculously long wait times. USBank has a fraud form to fill out to close the card, but at the end it states I must then inform the failed government agency that I can not ever reach! This is unacceptable and I am furious to see first hand that these type of things are happening and most definitely at the taxpayers expense!
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and seen some unauthorized inquiries. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised in a hack of Equifax 's data. My information was apparently compromised because of a lack of adequate encryption of Equifax 's data, allowing PII to be stolen and viewed.
Product: Credit reporting or other personal consumer reports

Ive reviewed my credit report and found multiple billing inaccuracies. These late payments dont align with my typical payment habits. Please address these mistakes and update my account. Thank you!
Product: Credit reporting or other personal consumer reports

I need your assistance with this incorrect account showing up on my credit report. This issue has XXXX  impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Product: Debt collection

I have agreed with American express on payment plan, and we agreed that they withdraw the monies automatically from my bank account ( auto withdrawal ), I have already made 10 payments out of 12 agreed payment agreed upon ( agreed to pay all by XXXX 2019 ), then they send it to collection agency for FULL amount, the original agreements was still in-force and they should have not send it o collection agency
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or 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.