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

Wells fargo has not addressed all my issues. I have never harassed their employee XXXX XXXX. After doing all the running around of getting the new account opened they closed it because XXXX XXXX " Falsely Accused '' me of harassing her while i was in the bank. It was a set up from the get go, for XXXX XXXX to be at the bank when I got was finishing up opening my new account. XXXX XXXX had it all planned for me to get arrested. She was coming around me I wasn't coming around her. She slandering my character to her co-workers and they believed them. But the police didn't arrest me, they walked in the bank and looked confused looking like there is nothing going on here. It seemed to anger XXXX XXXX so she lied to XXXX XXXX who then sent me a very hostile angry letter, with him saying that my new account was being closed. He didn't put it in writing because he though he was being smart. Then he proceeded to tell me in a angry unprofessional way to never enter the wells fargo branch that I went to open my new account. I wasn't allowed to enter any wells fargo like XXXX XXXX would travel to all the wells fargo in the country. She has caused my life to be a pure nightmare for no reason. Wells fargo went along with her knowing good and well I didn't harass her. I called XXXX XXXX to tell him my side of the story & asked him what this was about. His reply was you know what this is about. I was treated very unfairly by XXXX XXXX and the employees at the XXXX XXXX wells fargo. But wells fargo says their decision stands & they refuse to settle. 

XXXX XXXX was intentionally coming around me. If I harassed her so much you would think she wouldn't come around me. But she falsely accused me and got away with it so she is coming around me where I'm at and this is stalking. She knew I was going to be at the bank that day when I was finishing up opening my new account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of several accounts on my credit report. Despite previous disputes, EQUIFAX, XXXX, XXXX failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). Additionally, I have not received any detailed disclosures about the reinvestigation process or outcomes. These deficiencies constitute violations of federal law, and I demand immediate resolution. 

Disputed Accounts Accounts Reported by XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX in : Balance : {$1200.00} Issue : Inaccurate payment history and credit usage, unresolved despite prior disputes. 
XXXX Account Ending in : Balance : {$250.00} Issue : Incorrect reporting of late payments for XX/XX/year>. 
XXXX XXXX  XXXX Account Ending in : Balance : {$330.00} Issue : Overreported credit usage at 110 %, without proper investigation. 
XXXX XXXX XXXX ( XXXX ) XXXX : {$110.00} Issue : XXXX account inaccurately reported, with no adequate reinvestigation. 
Accounts Reported by XXXX XXXX XXXX XXXX  XXXX Account Ending in : Balance : {$1200.00} Issue : Payment inaccuracies unresolved despite disputes. 
XXXX  Account Ending in : XXXX : {$250.00} Issue : Reported late payment details are inaccurate and unverified. 
XXXX XXXX  Account XXXX in : Balance : {$2600.00} Issue : Incorrect " 30 Days Past Due '' reporting, unresolved after disputes. 
XXXX XXXX : {$110.00} Issue : Collection account errors with no proper resolution. 
Ally Financial Account Ending in : Balance : {$29000.00} Issue : Incorrectly marked as " Charged Off as Bad Debt, '' with inaccurate payment and status history. 
FCRA Violations The following provisions of the FCRA were violated : 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation within 30 days of receiving my disputes.

15 U.S.C. 1681e ( b ) : Failure to maintain procedures to ensure maximum possible accuracy in consumer reports. 
15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide proper disclosures regarding the reinvestigation results. 
Requested Actions Reinvestigate all listed accounts and provide a detailed summary of the findings. 
Remove or correct any inaccurate or unverifiable information from my credit report. 
Provide written confirmation of changes made to my credit report within 30 days. 
Enclosures Highlighted copies of my credit reports from XXXX and XXXX showing the disputed accounts. 
Supporting documentation, including prior dispute letters and evidence of inaccuracies. 
If this matter is not resolved within the required timeframe, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies under the FCRA. 

Thank you for your immediate attention to this matter. 

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

I am in deep student loan debt, started a repayment and had good status. Moved from being in poverty in XXXX, Ca. and now Navient put illegal amounts of loan added since then in XXXX 2014. Help me, I can not get any credit and need to see what is really owed, I do not trust them at all. Help, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Bank of America keep taking my money from my account
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian 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 Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card

Chase closed my Checking account that I opened in the beginning of this year, following that closure, they stated they are now closing my credit card as well. I had high cash deposits / withdrawals due to a few trips to XXXX XXXX but I have proof of the income and it 's reporting to the IRS under my social security from XXXX XXXX. I have written a letter to the Executive Office at Chase and I am currently pending a response.
Product: Credit reporting

Says no payment history for my Missouri child support. Also, says account closed. Not true. I have court ordered garnished payment of {$400.00} a week. Some of that is for current orders, but the rest is suppose to be applied to arrears, it 's not being reported. There are XXXX accounts on my report and they both say the same thing. As you can see from my recemt pay stub, i have made payments and the total I 've paid since XXXX of 2015. That doesmt include all the payments made before this year. Also, it says nothing reported for employment. I have been employed by systems Contracting since XXXX of this year
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I opened a ( Cfpb ) complaint against an invalid debt, from and agency named XXXX XXXX XXXX XXXXaccount # XXXX, which was subsequently responded to and closed. The creditor -XXXX XXXX XXXX XXXX ultimately stated that they were not reporting this inaccurate account on my credit report. On XX/XX/XXXX I mailed a dispute letter, to Experian regarding this inaccuracy, I also enclosed the response letter from the creditor as well. On XX/XX/XXXX my letter was received, by Experian Consumer Relations I have given well over to 30 -45 day period to investigate, update & delete as provided In the Fair Credit Reporting Act ( FCRA ), specifically in 15 U.S.C. 1681i. This section details the procedures for the resolution of disputes regarding the accuracy of information in a consumer 's credit report. 

Further based on the response from the creditor, confirming that they are not reporting this debt on my credit report, I feel that this debt is proven to be inaccurate and should ultimately be removed from my credit report. 

The debt is inaccurate, and invalid as confirmed by direct communication with the creditor, and as so this should be removed from my credit report.
Product: Debt collection

The company keep calling me and harrasing me. I submitted a previous complaint and they said they were gon na cease and desist all communications with me but they are still harrasing me. STOP HARRASING PEOPLE THAT DONT OWE YOUR COMANY ANYTHING. YOU ARE A THIRD PARTY TRYING TO COLLECT A DEBT THAT IT WAS ALREADY FILED AS A BAD DEBT.
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. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$6800.00} XXXX XXXX Balance {$780.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX Inquired on XX/XX/2020 XXXX
Product: Debt collection

I paid my Macy 's credit card account in full on XX/XX/2020. The amount paid was {$170.00}. Macy 's is trying to collect the same amount plus late fees, albeit the account was paid in full. On XX/XX/2020, I submitted a dispute letter to : Department Stores National Bank XXXX XXXX  XXXX XXXX, Ohio XXXX In the letter, I gave my account number, dollar amount of suspected error, and the description of problem. I have not had any communication from Macy 's except automated collection calls. 

Please help me. I can provide account numbers, and any documentation at your request. Thank you.
Product: Checking or savings account

Venmo permanently suspended my account an I have over XXXX dollars in it an they won't give me my money they said I have to wait 180 days
Product: Credit card or prepaid card

Previous dispute I submitted on this website was declined by XXXX XXXX XXXX because Bank of America submitted an erroneous dollar amount. After leaving 7 voicemails in a 4 week period to talk to Bank of America representative, regarding her submitting erroneous dollar amount, I have never received a return call. This is regarding claim number XXXX. Representative continuously denies claim, but wont submit the proper amount!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX, XXXX, Equifax, and XXXX   several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the Equifax data breech. XXXX, Equifax, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Product: Credit reporting

EQUIFAX HAS RE-INSERTED XXXX ACCOUNTS THAT WERE PREVIOULY DELETED BY CHANGING ACCOUNT DATA. ALSO SPLIT MY CREDIT FILES 6 TIMES IN 3 YEARS. 
SCORES AND INFO DOES'T LINE UP WITH XXXX. 

EQUIFAX IN VIOLATING THE DODD-FRANK ACT AND F.C.R.A. FOR THE last time
Product: Debt collection

Finance company calls me like 5-7 times daily sunday-saturday from differenrt numbers. I called to surrender car and was asked to pay balance. Advised if i had the money to pay then i wouldnt be surrending the car but they said they would keep calling to collect.
Product: Credit reporting or other personal consumer reports

i have information that does not belong to me in my report and it is harming me, i want it to be removed from my history. 

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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Twice in several weeks I have received letters describing a breach of my personal information one from XXXXXXXX XXXX XXXX  and another From XXXX. Both companies provided credit monitoring through Experian Credit Reporting Bureau. When I signed up for credit monitoring I was appalled at what Experian made me agree to to get the monitoring. The Experian Privacy Policy and Terms of Service force one to accept an arbitration policy with no choice for opting out. If one does not click " Accept '' during the application one can not get credit monitoring from Experian. It gets worse. Experian Privacy policy states that they will inform me ( a sales pitch ) of their and their business partners products, services and promotions. Further, Experian 's privacy policy states that they will share ( meaning sell ) my personal information from my credit report with company 's they have partnered with and even non-affiliated 3rd parties. Experian states that a consumer can go to their website, or call or mail them to opt out. Why should anyone who has had their personal information hacked by no fault of their own is forced to opt out of Experian sharing and selling their personal information. Experian 's Terms are 36 pages long. Those terms state that ones consent to text messages marketing is required to be able to get their credit monitoring services. That violates FCC rules on consent. This is unacceptable and grossly unfair. People who from no action of their own have their personal information stolen must agree to unacceptable terms to have their account monitored. Experian is clearly taking advantage of those that have no other alternative. A fair to consumers credit monitoring system needs to be imposed on Experian. Please make it so. Thank you. 

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

On my paid secured credit card is reporting information incorrectly, I contacted the credit card issuer immediately to dispute the error and provide documentation supporting your claim ; I also file a dispute with the credit reporting agencies where the inaccurate information is appearing, including details about the error and any relevant proof. 

This company XXXXXXXX XXXX is reporting wrongly on this account on the account where was opened on XX/XX/year> for a secured credit card for {$400.00} limit where I did deposit the funds and this company blow all my money and closed the account and they unilaterally decide to report that this account is late so many times where I am attaching the report where you can look how a cash in advance secured credit card is going to be late since the didn't extended to me credit since I deposited a collateral in cash for XXXX XXXX of the limit This Creditor is not allowing me to obtain any credit do to this mark in my credit and they used this excuse with my own money Please ask the to remove from my file this card
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with with the fair credit reporting act XXXX account : XXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : 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 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, or personal loan

This got to be discrimination, is it because our age iam XXXX and my husband XXXX we apply for government loan through SunTrust bank and we are client of SunTrust bank. we have a personal line of credit with SunTrust bank. and my husband had a credit with SunTrust bank never missed an of our payment in the past. some time on or about XXXX XXXX and the vice president at that bank her name was XXXX XXXX gave us the same for XXXX we pay that loan off in XXXX and the loan was unsecured. so I met with her Friday about the same loan the government that you can not be true down if you home XXXX and she said XXXX XXXX you can go on line they will put the money right in your account this is the second tine that Light stream which is a part of SunTrust have Denial, I just told the vice president that we was going to mover our mortgages over to sun trust bank our house hold debt is with the mortgager XXXX an our appraise at XXXX equity XXXX no car payment of truck payment we got about XXXX XXXX XXXX XXXX and we use the credit card my husband business our credit score go up and down. but the loan before was not base on a credit it was a term loan of 48 month
Product: Debt collection

I am a XXXX  citizen living in the state of Florida, last week my credit monitoring service alerted me that a company named Credit Collection Services had put a derogatory mark on my credit. I have no idea who this company is and have no balance with the company they say they represent on my credit file. This company failed to ever contact me by phone, in person, electronically and never provided me with a debt validation letter so they are in violation of all federal laws.I am asking the CFPB to demand they immediately remove the derogatory remarks they put on my credit and then I request that this company is fined and penalized for breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a Wells Fargo secure credit card and open a checking account with them but something is stopping me from opening
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX  Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 reporting, credit repair services, or other personal consumer reports

The Inquiries listed below, are what needs to be removed : FORSTER & GARBUS ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX (XX/XX/XXXX ) I 've taken my time to reach out to these companies regarding they remove my inquiry because I was never told that they would pull my credit from the XXXX Credit Bureau, and I need it to be removed as soon as possible, so that I can be able to get approved for a loan I need. Also for XXXX XXXX, I 've explained to them also that the inquiries are holding me back, and customer service kept giving me the run around, and never wanted to help. All they did was send me to one person, then another person, then another person, while realizing they did n't want to help me get that inquiry off, and seeking the right help to get this resolved, and taken off my XXXX report.
Product: Credit card or prepaid card

Chase approved me for a card along with a XXXX balance transfer @ 0 % intersest for 18 months, No where and at no time did they say they might reduce that amount. If so provide a copy of a written signature or a recording of a phone call. A few days later I got a letter in the mail from them stating that the address for the creditor where the balance was being transferred from was n't correct and they could n't complete it. Again, no where on this letter did they state that the amount was going to be less than 1700. I called to give that address to them at which point they told me they were only going to transfer {$1000.00}. If the address was n't an issue they would have only transferred {$1000.00} without ever telling me they had reduced the approved amount. This is bait and switch and against the law in GA. O.C.G.A. Sections 10-1-390 et seq I would rather we settle the issue here instead of me getting the State Attny General 's office.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX consumer who is a victim of identity theft. Transunion, XXXX and XXXX has used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish.Congress makes it clear that the consumer has a right to privacy which XXXX, Transunion, and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair CreditReporting Act was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID and statement below. 
Account Name : XXXX Account # XXXX Balance {$250.00} Date Opened : XX/XX/XXXX Account Name : XXXX Account # XXXX Balance {$250.00} Date Opened : XXXX XXXX XXXX XXXX
Product: Checking or savings account

Late fees, overdraft fees, money being sent by accident and not able to get back.