23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to complain against Concora Credit, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. On Wednesday XXXX i attempted to check in to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for the amount of {$600.00} on both my Destiny and indigo Mastercard. They both were declined after repeated attempts i called customer service on my cards and were told they would work within 30-minutes. Later, that evening the card was declined again at XXXX XXXX for {$56.00}. I called customer service again and asked to speak with a manager who's name was XXXX, he indicated because i was in another country that is why my cards did not work ... he continued to say " How are you in the XXXX if you charged {$7.00} in XXXXXXXX XXXX? '' After almost 1hr on the phone he said try the cards again tomorrow, they will work. Thursday XXXX I tried using both credit cards at XXXX and still declined. Upon arriving home i noticed they locked all of my cards including my milestone which i never attempted to use. I called on Monday XXXX and spoke to a manager who said they would turn the cards on... i told them how unacceptable this was and that i wanted something taken off of my charges for the inconvenience and that i wanted a higher up manager to call, they said okay i would receive a call the next day, which i did not. Today, Monday XXXX i attempted to charge {$150.00} on my card and again it got declined twice. I called customer service and they told me it was due to suspicious activity. I told them i want both cards closed and that i will be taking further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm respectfully filing this complaint due to numerous of failed attempts in the removal of said account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim, therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. 

Accounts as following XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The home located at XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX, was sold on XX/XX/2021 and the loan balance was paid in full to the mortgage originator XXXXXXXX XXXX  ( Acct # XXXX ). Deed of release and reconveyance and paid in full letter attached. 

Somehow, the mortgage got transferred to Flagstar bank after the sale of the home and Flagstar bank has been reporting this account as delinquent ( 120 days past due ). I filed a credit review request with flagstar bank and they sent me the attached letter saying that they can not update my credit report. I have contacted XXXX and they say that flagstar bank has to report the correction even though I have submitted the documentation showing account closure. 

The mortgage was a joint account ( XXXX XXXX XXXX XXXX XXXX ). XXXX removed the account my ( XXXX XXXX ) credit report, but has not removed it from my wife 's ( XXXX XXXX ) credit report.
Product: Credit card or prepaid card

I have utilized NetSpend Prepaid Card for approximately 6 years or more. In the time that I have had them, I was sent a NetSpend Premier Card in the mail. The terms for switching to the " new premier card '' as opposed to remaining with the original were supposed to be more flexible. I was supposed to be permitted to overdraw upto XXXX dollars. At occasions in which I truly needed the money, the card was declined numerous times in XXXX and XXXX. That particular cardholder benefit was not provided to me as advertised. Additionally, I was supposed to pay less in monthly fees. I was not assessed less fees. I have maintained direct deposit the entire time that I have been a NetSpend cardholder. While my direct deposit is consistent on specific days of the month, the date at which NetSpend collects the fees is not. It is sporadic and unpredicatable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account I need this removed off my report immediately it's affecting me getting a mortgage and buying a new home
Product: Credit reporting or other personal consumer reports

This is a follow up to XXXX XXXX XXXX XXXXXXXX fails to recognize that statements/ bills were not sent for the time period of the missed payments. The payment of {$60.00} would have been made had a statement or bill been sent. XXXX from XXXX XXXX XXXX confirmed on XX/XX/year> that statements weren't sent and she couldn't explain why, resulting in a glitch in XXXX XXXX XXXXXXXX 's processes. 

Fair Credit Reporting Act Part d 1666 ( b ) 6 states : " B. Billing Errors ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. '' I can't make payment on a bill I don't know I have. XXXX XXXX XXXXXXXX is violating the Fair Credit Reporting Act and is inflicting financial harm through inaccurate credit reporting. They are correct in the fact that payment was not made. They are refusing to acknowledge this was in whole to them not sending a statement or any form of notice. I can't pay a bill I don't know I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last dispute XXXX did absolutely nothing Experian can not validate, verify or provide me with information on how they verified the balance on my account I've disputed. I'm requesting that they provide me with everything they used to verify the accuracy since XXXX XXXX XXXX doesn't even have a payment history. Experian failed again to answer any question I've asked about how they validated and verified the information from XXXX XXXX XXXX when and debt has to be sworn to. I'm requesting they provide proof of what Experian used to corroborate what XXXX XXXX who is not the original creditor is saying. Also I'm requesting Experian provide me with the credit application that allows this to account to legally be placed on my credit. I will give Experian 15 days to do this because it's required under Wisconsin state law. If not I will sue Experian for assisting in damaging my credit.
Product: Credit reporting or other personal consumer reports

WELLS FARGOXXXXXXXX XXXX XXXX I have unauthorized inquiries made on this date : XX/XX/year>
Product: Credit reporting or other personal consumer reports

to whom this may concern, i am filing a complaint against XXXX experian and XXXX, in accordance with the law 15 us code 1681e ( b ). These companies never properly invested my accounts and these accounts are not accurate and some of not even mines, I would like these accounts removed immediately, thank you
Product: Credit reporting or other personal consumer reports

The full amount of my auto loan was paid off a few months ago, but in my credit reports ( XXXX, XXXX, and XXXX ) I see it is not paid off.
Product: Debt collection

On XXXX XXXX of this year, I filed for Chapter XXXX Bankruptcy relief, and included a {$1500.00} debt from Texas XXXX University, which I incurred from dropping courses after the withdrawal date. This debt was appropriately included in my Chapter XXXX schedule F, and discharged by the presiding judge on XXXX the XXXX. Today, XXXX the XXXX, I received an alert via my credit monitoring service informing me that I now have a collection on my XXXX report from the Williams and Fudge agency for a {$1900.00} debt to Texas XXXX University. I was unable to attain auto financing due to this open collection with a high reported balance. My XXXX score dropped XXXX points once this collection account was added. I placed a phone call, left a voicemail, sent an email with attached copies of my Chapter XXXX petition, schedules, and discharge to Williams and Fudge. I also sent a dispute along with all of my BK documents XXXX. Now I have to wait a month or so for this inaccuracy to be investigated. This school debt comprised one of the largest balances of any of my debts, and was a significant factor in my decision to file for bankruptcy. My credit report has rightfully suffered from the bankruptcy filing. I should not be further penalized by having collections reported on debts that were discharged in the case. I advise anyone who files for bankruptcy to keep diligent records of every debt, payment history, and communication with your creditors. Receiving a bankruptcy discharge does not mean your case is over or that you wo n't be hit with attempts to collect your debt at a later date. Sadly, a collection agency can inflict serious damage upon your credit report overnight, while it will take you a month or more to dispute, verify, and defend your credit score when inaccuracies are reported.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I chose to reset the password of my Google account where I utilize the wallet feature. I was prompted to verify requested information for authorization. This was successful and the password was stored to my mobile device. On XX/XX/2019 I was prompted to re-enter my password on my laptop. The login attempt was unsuccessful. At which point I attempted to utilize the forgot password option linked to my mobile device for another verification/authorization. I received a message from Google indicating my account had been locked for security until further information was received. Since XX/XX/2019 to the present I have continued to complete the requested steps ( the same steps and answers from the successful reset on XX/XX/XXXX ) with no valid response or resolution to accessing my personal financial and business ad spending data and personal linked bank account information stored by Google, Google Ads, Google Wallet. The company requests an additional email to be contacted, by which has been provided and is listed on the account in question. I have given valid information of the only mobile device and laptop I use to include " Google Collected Details '' as shown and defined by Google below. Additional information such as One-Time Use Security Code from my Mobile device has been provided for further action. Instead the company responds with generic automated messages falsifying their true due diligence of investigating, verifying, authorization of my account and access to my digital data connected to Google Ads spending and Wallet. The process and solutions provided have sent me in an endless loop followed by more generic automated messages with the same links to the same process ( attached ). Furthermore, Google has received the below information regarding my authorization and verification to access my account as this data has been collected, stored and currently held hostage by Google Company. This information will continue to be made available from myself for the company to re-authorize accessibility to this account. 

Google Data Collection as Defined from https : XXXX? XXXX & XXXX & XXXX " Last account activity You can see your sign-in history, including the dates and times that your Gmail account was used. You can also see the IP addresses which were used to access your account. '' " Activity on this account This feature provides information about the last activity on this mail account and any concurrent activity. Learn more This account does not seem to be open in any other location. However, there may be sessions that have not been signed out. 
Recent activity : Access Type [? ] ( Browser, mobile, POP3, etc. ) Location ( IP address ) [? ] Date/Time ( Displayed in your time zone ) ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding the inaccurate and unknown things on my credit report. To this day I have not received response. I feel like im being taken advantaage of and being ignored of my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days!! I demand these accounts be deleted immediately/promptly. I have gotten proof from the Bankruptcy court that the dismissed bankruptcy should not be showing on my credit reports. Delete all this inaccurate information That or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

I had a Care Credit Card with Sychrony Bank. The company said they sent a letter on XX/XX/2021 after the XXXX XXXX XXXX set them my credit report to them. They said a number of reasons they closed my account. They say they sent me a letter o XX/XX/2021. That isnt enough time to do anything. I have not received a letter from them at all. Its fraudulent to get consumers credit reports and just closed accounts. A closed account on your credit report can greatly affect your credit.
Product: Credit reporting or other personal consumer reports

Transunion is inaccurately reporting information on my Credit Report ( 15 USC 1681 ) A CD, XXXX XXXX, is being reported while the IRS Publication says income is NOT to be reported.

I have Expressed to these parties i wish to opt out of sharing my private information per 15 USC 6508 and the Privacy Act of 1974 15 USC 1666b - Timing of Payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Account Agreement The contract governing yo
ur open-end credit account, it provides information on changes that may occur to the account.

Application Under the Equal Credit Opportunity Act ( ECOA ), an oral or written request for an extension of credit that is made in accordance with the procedures established by a creditor for the type of credit requested. See related questions about Loan Application Denials.
Product: Prepaid card

On XX/XX/year> I filed a dispute fraud claim with way to go payment processing service for Florida reemployment card I turned in all the required paperwork and was told that I would receive a provisional credit on the XXXX day of {$1100.00} and never received the provisional credit a supervisor was supposed to file an escalated dispute I've talked to several people he told me that it would take two days if I was sent in the proof that I was incarcerated and I would receive my money in 2 days I still haven't received any money every time I call them and talk to someone I'm getting told a different story that they were working on it three different people told me that they hadn't even touched it yet I've been jerked around and lied to and I still haven't received any money I was incarcerated at the time so clearly I did not make the charges I sent in all the paperwork proving that I was incarcerated and still haven't received any money and again every time I talk to someone I'm being told a different story they are lying to me and it's not right
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : Also Known As : XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Checking or savings account

Discrimination. From employee ; XXXX XXXX ( Complaint Against This Employee ) Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX I am writing to formally address a concerning experience I encountered as a minority business owner in my recent dealings with Wells Fargo. My intention is to bring to your attention what I believe may constitute discriminatory practices and to seek resolution. 

As a small business owner, I have relied on Wells Fargo for specific services : business banking, personal banking for multiple years now. However, I was recently subjected to treatment that felt unequal and unfair. 

On XX/XX/year>, I was told by branch manager XXXX XXXX i was simply depositing a piece of paper and who knew if it was legit when depositing a check into my business checking account. and during this interaction, I observed actions or policies that appeared inconsistent with equitable treatment., I was denied with minimal explanation, whereas peers in similar circumstances who are not minority business owners have received approval. 

Additionally, XXXX XXXX language and demeanor was to be little me in the peak hours of busy time of XXXX. During our interaction left me feeling disrespected and marginalized. 

As a valued customer, I believe it is imperative for Wells Fargo to uphold fairness and inclusivity, as outlined in its corporate values. Discriminatory treatment not only undermines these principles but also deters minority business owners like myself from accessing opportunities essential for growth and success. 

I kindly request a thorough investigation into this matter, as well as a detailed explanation of the decision-making process that led to the outcome I experienced. Additionally, I would appreciate learning about any steps Wells Fargo is taking to ensure equitable treatment for all customers, regardless of background or identity. 

Thank you for your attention to this important issue. I look forward to your prompt response and to working together toward a resolution. Please feel free to contact me directly at [ your phone number/email address ] should you require additional details about my experience. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX branch manager will discriminate against you if you're a minority business owner. Last week he said I was simply depositing a piece of paper and who knew if it was legit keep in mind this was a company account that has had multiple deposits larger than the current one. I've been a customer for over 10+ years with XXXX problems. I go in this week with another deposit and He REFUSED TO call and validate funds on a check which they have the option to do and should do upon speaking to corporate. Sad that Wells Fargo allows this type of discrimination go un noticed. XXXX will kindly speak to other customers in the branch and be very helpful with them and with minority business openers he is the complete opposite. Wells Fargo you need to pay attention to your small business owners who keeps your doors busy. Very Disappointed in the judgement of Wells Fargo. A coroporate complaint has been filed also with Wells Fargo Desired
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 XXXX XXXXSC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filed a Dispute in regards to the incorrect items on my credit report with Credit Bureau XXXX on XX/XX/XXXX. It has been well over 30 days and I haven't received any investigation results. Furthermore, I have been a victim of identity theft and Navy Federal CU and XXXX XXXX are fraudulent accounts that were placed back on to my credit report after being removed and /or deleted on report XX/XX/XXXX. You will find such information in attachment. 

Kind Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed my dispute on the app on to investigate my complaint and they didnt modify or remove off my account do to 15usc-1681-5
Product: Student loan

I have received a Federal Loan after coming out of the XXXX, I never used any Military Aid. I went to XXXX XXXX XXXX in XXXX XXXX Louisiana in 2000 for a few months. At this College they did not use the classroom, the labs, or computers which we paid for. We were not taught at the level of books we had. Most of the class quit the fist few weeks, and some people were fired. I dropped after the computer lab was not able to be used in a computer college, and required for the testing. 
I do not see how the loan of less than {$2700.00} was paid to the college and I was charged. 
I have been paying on and garnished a less than {$2700.00} student loan for 16 years. 
I have paid fees of {$100.00} a month, {$50.00} a month, {$32.00} a month. 
One time fees of {$97.00}, {$150.00}, {$32.00}. 
Garnished taxes of {$450.00}, {$300.00}, {$350.00}, XXXX Wages taken $ XXXX {$1500.00}? 
They say I still owe XXXX different loans of XXXX loan broken in XXXX of over {$1500.00} So when I pay somewhere in the area of & XXXX for {$2700.00} and still owe {$1500.00} plus dollars with monthly fees. Where is this wrong?
Product: Credit reporting or other personal consumer reports

I have reported to credit bureaus that this woefully unprofessional and substandard mortgage company completely stopped reporting to credit bureaus as of XX/XX/year>. So, as of today, my account is {$2000.00} higher than what it should be. I must get this rectified asap bc it is adversely affecting my credit score and ability to get certain loan products for my businesses. Nationstar/Mr Cooper bought my loan from XXXX Bank in XX/XX/year> and it has been downhill from there. Its customer service is appalling and I have little to no faith in dealing with them. Company has a litany of poor/bad customer ratings online and is seemingly inept or grossly mismanaged. Very frustrating to have an incorrect credit report with zero explanation as to why they stopped reporting on XX/XX/year>.