23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My last payment of a ) 5 interest purchase was sent on Wednesday XX/XX/year>, marked as received on Thursday XX/XX/year> through my bank. Due date of the payment was Saturday XX/XX/year>. The payment was posted to the card when they processed their transactions on Monday XX/XX/year>. I have used this timing for payments in the past with this credit card and have had no issues. A late fee was assessed to my account. I contacted them and they waived it as a " courtesy ''. A few days later I see a {$2.00} interest charge due to the late processing of my last payment for the 0 % interest term. I contacted them again to waive the {$2.00} which should not have been charged as the payment was submitted and received by the due date otherwise it would not have been applied to my account on that Monday. The CC company told me I needed to make my payments at least 10 days prior to the due date. In the world of immediate payments that we now have, this is ridiculous. I instructed them to close my account. I asked them to log a formal complaint which they told me I needed to do in writing only. I feel that they should have to log a complaint in any format that it is received. XXXX  XXXX, chat, email, or letter. They need to be held to a higher standard and they need to be accountable for their processes, especially when they negatively affect the consumer. I would like an investigation into their practices and fees, including late fees and interest on the late fees and balances which should not have been considered past due. I would expect this to be a pervasive issue which has been going on for a long time.
Product: Credit card or prepaid card

I called Wells Fargo last night around XXXX Monday XX/XX/XXXX. This was in reference to the Wells Fargo XXXX XXXX and its {$45.00} annual fee and also misrepresentation on the phone about currency conversion and foreign transaction fees. Wells Fargo has 2 XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) the woman ( XXXX ) I spoke to told me that as of recent the XXXX and XXXX cards terms have been made the same but, I think inquired why does the {$45.00} annual fee remain. She had no answer to me in regards to that and then offered me to switch my card to the original XXXX. I told her would n't that affect my credit, she said she did n't know and could not make a representation, I was then forward to the credit department in Wells Fargo, who still could n't give me an answer. I spoke the credit bureau this morning in regards to my credit score implications and she indicated if I had to close down one account and switch it over it would affect my credit score. Without informing older customers of the XXXX, all these customers are being required to pay {$45.00} a year for something that is free on the XXXX. And to correct it this would cost us a ding on our credit, which is absurd. Additionally, several Wells Fargo employees indicated to me that foreign transaction fees and currency conversion fees were the same thing. But after reading up on this, that is not true and the company was making false statements.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ca XXXX Subject : Opt-Out Request and Notice of Violations Under the Fair Credit Reporting Act Dear XXXX, XXXX XXXX and Westlake Portfolio Management , I am writing to bring to your attention several concerns and violations of the Fair Credit Reporting Act ( FCRA ) as outlined in the United States Code XXXX 
DATE OPENED XX/XX/2018 According to 15 USC 1681, section 602 ( a ), the Congress emphasizes the importance of ensuring that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX and XXXX, being consumer reporting agencies, are bound by these principles, as am I, the consumer.

15 USC 6801 underscores the policy that financial institutions, including Westlake Portfolio Mgmt/, have an affirmative obligation to respect the privacy of their customers and protect the security and confidentiality of nonpublic personal information. 

However, I wish to assert my rights under 15 USC 1681, section 604 ( a ) ( 2 ), which states that a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer. I have not provided written consent for the sharing of my information, and therefore, any assumed consent is hereby revoked. 

Furthermore, according to 15 USC 6802 ( b ) ( c ), a financial institution must not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. Westlake Portfolio Mgmt/ failed to inform me of my right to exercise this option.

In addition, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from making consumer reports containing adverse information without explicit consent. The reporting of adverse information by XXXX and XXXX without my permission constitutes a violation of this provision. 

Under 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person must not furnish inaccurate information to a consumer reporting agency. I demand that you cease furnishing any information related to me until you can verify its accuracy. 

XXXX and XXXX are obligated by 15 USC 1681e to maintain reasonable procedures designed to avoid violations of the FCRA. The reported violations indicate a failure to uphold this obligation. 

Lastly, in accordance with 12 CFR 1016.7, I am hereby exercising my right to opt-out of your reporting services. I expect prompt action to address these concerns and to cease any further unauthorized disclosures of my information. 

Please provide a written response within 30 days detailing the actions taken to correct these violations and confirm my opt-out request. If you require any additional information to process this request, kindly inform me promptly. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Bank account or service

I recently looked at my Wells Fargo credit card account and found the account to be overdrawn. I looked at the statement and tried to figure out why the account was overdrawn but could n't find the reason. So I emailed Wells Fargo customer serviced and received the attached email that was unbelievable at their answer. The letter stated that I was charged a late fee for being two days past due date. I checked my credit card by laws and nothing in the laws stated that I will be charged a late fee for being a few days late. This ban k is already under investigation for unlawful acts.
Product: Checking or savings account

On XX/XX/23 my account was frozen because I received a direct deposit from my daughter 's father 's payroll that did not have my name attached to it. They sent an email stating I needed to provide proof of my identity so they could " investigate '', and I provided photo of my driver 's license. I also called customer service to clarify what was being investigated, but they couldn't give me any information and told me I needed to correspond with their " special investigation team '' via email if I wanted more information. I sent another email asking if they had received my last email with my driver 's license photos, and asked what they were investigating and how long does it take, and what I could do to expedite the process. After several hours with no response I launched a XXXX  with them, with the same explanation. " We don't have any information for you, you need to speak with the special review team via email. '' The next day ( XX/XX/23 ) there was still no email response. I emailed again, pleading that they grant me access to the funds that were in my account prior to the deposit, and just hold the " suspicious '' deposit if they were still needing to review or investigate. No response. I chatted online with member support mentioning the same to the rep I was chatting with that I did in the email I sent, she told me there was nothing she could tell me or do, but she would " escalate '' my review to get me help a little faster. I didn't receive any response XX/XX/XXXX or XX/XX/XXXX ( Saturday and Sunday ), and no response by Monday morning. So Monday ( XX/XX/XXXX ) I called again, same response as before, asked to speak with a manager and there wasn't anyone available. I was told the manager would send me an email ASAP. I went to work, still no response from a manager by late XX/XX/XXXX. I called again and spoke with a manager who told me the same thing the other reps did. No answers, no resolution. I called XXXX at XXXX and asked to speak with a manager right away. He told me that they would escalate my case to high priority and I would hear something back from the investigating team in the next few hours. I told him that they had six hours to respond to me or I was going to close my account. Of course, no response. XXXX I called to close my account. The rep said because my account was being investigated I could not close my account. I asked to speak to a manager. The manager said the same. I told him I wanted a check mailed to me in the amount of money I had in my account prior to the questionable deposit, and to return the funds from the deposit to the depositor. He told me he could not do that, there were no answers he could give me, and hung up on me because our phone call was " no longer productive ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a dispute letter on XX/XX/20 regarding unauthorized inquiries on my account. I have not received any correspondence, nor have these items been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, XXXX, Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card

I had four accounts with Barclays Bank. All four of the accounts were closed without prior notice. Three of them had not been used in a while, but the fourth ( Barclay XXXX XXXX ) was active and used often. All accounts were paid in full and on time. The bank refused to give me any reason for the closure of the Barclay XXXX XXXX ( XXXX ), despite my repeated requests on the phone and via email. I have never had any accounts closed in my 40+ years of having credit cards. When I requested a refund of my annual fees, I was told they would not be refunded. I had unused travel rewards of XXXX, which would have been good to offset XXXX of travel related charges. I had more than that in travel related charges against which I could have used the travel rewards. They have refused to give me any credit for those rewards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The List of inquiry accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of account below has violated my rights : 15 U.S.C 1681Section 604 A States I have the right of privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 of records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s_2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any information is inaccurate. 
please remove or delete inquiries that I don't recognize XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got injured and had XXXX XXXX and lost job, I was not able to pay bills, keep getting calls, so I changed phone number. come to find out XXXX XXXX reported to all 3 credit bureaus I was deceased. XXXX  didn't try to contact me to see if this was accurate instead just put it on my credit as dead
Product: Credit reporting, credit repair services, or other personal consumer reports

his letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.

I demand the following accounts be properly verified or removed immediately.

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had attempted to reach out to ; Experian about another mess up, and injustice surrounding my credit report! Just to get another stupid response! For as long as I know, and been doing business with all three agencies! When it comes down to the credit score, there shouldn't be any confusion, deceptions, and nor mixed up at all! Experian is now literally attacking my credit score! In this matter, I've made countless efforts to : get my balances down, and lower utilization ratio! However, Experian refuses, and intentionally leaves my score untouched on purpose! Both XXXX, and XXXX has increased my credit score ; as a result of my balances declination, and lower usages status! Oh No, Experian isn't having it, and can care less : about my tremendous efforts, towards getting my credit report decent! All this does is add ; additional insult to injury, to my health, and myself personally! These types of misconduct, renditions, madness, and retaliations backlash has got to stop, CFPB!!!
Product: Credit reporting

On XX/XX/2017 I sent a letter to EQUIFAX in regards to an unverified account with XXXX being reported on my credit report. In the letter I stated for the unverified account to be removed as it is negatively affecting me. I did not receive a response and Equifax continues to report this account. On XX/XX/2017, I submitted a complaint to national credit systems for the same unverified account and they responded stating that they would send validation of this debt. It is now XX/XX/2017 and I have not received any documentation validating this debt. Again, I am requesting that this account be removed from my credit report as it is affecting me. I have attached proof of the response I received from XXXX as well as the letter I sent to Equifax requesting the unverified account to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im requesting an immediate update to my balance on both accounts XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX XXXX my balance on both accounts are incorrect and Im sending in proof attachments to show please update immediately
Product: Checking or savings account

I have a business account with the U S bank. I escorted XXXX XXXX to the U S bank to open up business account. XXXX XXXX is XXXX. We asked banker XXXX ( bank # XXXX ) for reasonable accommodations under the Americans with XXXX act to allow XXXX to be interviewed in a private cubicle in the same bank to prevent XXXX XXXX personal information from being overheard by the other customers at the counter. XXXX has trouble speaking in low or normal tone of voice due to birth defects. She is on XXXX. And wants to make her life better by starting her own business. XXXX escorted us to a desk approximately 2 feet away from the counter where other customers were opposed to the cubicle approximately 4 yards away from other customers. Plus there was a second cubicle farther away. Both unoccupied. I explained to the above banker that XXXX had the above XXXX and that was there to help her answer any questions that he would have of XXXX and she would authorized me to do so in front of him. XXXX refused. We left. I plan to return and would like help convincing the U S Bank to provide the requested accommodations under the XXXX. THE INCIDENT OCCURED ON OR ABOUT XX/XX/2021 just before noontime. 
I gave a verbal complaint to headquarters and cited XXXX rule of their own business on accommodations. I was informed that the incident or violation didn't qualify for formal investigation nor could the bank honor such an XXXX accommodation. I spoke to a * XXXX by phone on XX/XX/2021. He stated or read the bank notes on the complaint to me and it was whollfully insufficient.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is currently reporting multiple inaccuracies on my credit report. 

I've notice that Equifax is reporting inquiries on my consumer credit report I do not recognize or has authorized. This is a violation of FCRA rules. 

1 ) XXXX XXXX XXXX ; inquiry date XX/XX/2020. I did not authorize this inquiry on my credit report. As a result ; reported as an accurate and needs to be removed immediately. 


2 ) XXXX card services, inquiry date XX/XX/2020. This inquiry is reporting illegally I did not authorize this. This is a violation of federal law inquiry must be removed immediately. 


3 ) XXXX XXXX XXXX XXXX, inquiry date XX/XX/2020, along with multiple inquiries on this date. I did not authorize this inquiry on my consumer credit report as a result this inquiry needs to be removed immediately. 

4 ) XXXX XXXX auto financing, inquiry date XX/XX/2020, along with multiple inquiries on this date.I did not authorize this inquiry on my credit profile. Inquiry is in violation of FCRA rules. As a result inquiry must be removed immediately. 

5 ) XXXX XXXX, inquiry date XX/XX/2020. Along with multiple inquiries on the date. I did not authorize this inquiry on my credit profile. As a result Equifax is in violation for reporting. Inquiry must be  immediately removed from a consumer credit report. 

6 ) XXXX XXXX XXXX  Dealer financing, inquiry date XX/XX/2020, along with multiple inquiries submitted on the states. I did not approve this inquiry on my consumer credit report. As a result Equifax is in violation for reporting this inquiry on my credit profile. inquiry must be deleted from my consumer credit report immediately. 

7 ) XXXX Auto finance, inquiry date XX/XX/2020. Along with multiple inquiries on this date. I did not authorize inquiry on my consumer credit report. As a result Equifax is in violation of FCRA rules and must immediately delete all inquiries mentioned from my consumer credit report.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiry Violation of FCRA ( 15 USC 1681b ( c ) ) To Whom It May Concern, I am filing this complaint to dispute an unauthorized credit inquiry associated with this company. The inquiry in question was made on XX/XX/year> by XXXX XXXX XXXX XXXX 

Upon review, I believe this inquiry was conducted without my explicit authorization or in compliance with the permissible purpose guidelines outlined in Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ). 

The FCRA explicitly defines the permissible purposes for obtaining consumer reports. To the best of my knowledge : I did not provide explicit consent for this inquiry. 
I do not recall initiating a transaction or establishing a relationship with this company that would justify such a request.
Product: Debt collection

Quality Recovery service  XXXX   XXXX   XXXX   XXXX  Was remove from my credit report back in  XXXX  and  XXXX  the item reappeared back on my credit report with different balance.This company garnish my wages from a seasonal part time job. This is against the law. To remove item and place item back on my credit with different balance amount. I move from the apartment in good standing with a  XXXX  balance.   Papers have been mail and fax to the agent and credit bureau. Please remove move this apartment off my report.     Can you please remove Quality Recovery Service  XXXX   XXXX   XXXX   XXXX   XXXX  GA  XXXX  Account #  XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a formal dispute to Experian regarding multiple accounts on my credit report containing inaccuracies or unverifiable information. Despite the statutory XXXX period required under FCRA 611 ( a ) ( 1 ), Experian has failed to provide any verification or resolution for the disputed accounts. Additionally, Experian updated the results of certain accounts without providing any supporting documentation to verify their accuracy, further violating their obligations under federal law. 

The accounts in question include : XXXX : Reporting late payments from XX/XX/XXXX to XX/XX/XXXX, which remain unverifiable. 

XXXX : Reporting unverifiable late payment information. 

DEPT OF EDXXXX : A balance of {$330000.00}, deferred until XX/XX/XXXX, with no verification of ownership or accuracy. 

XXXX : Multiple late payments reported for XXXX and XXXX remain unverifiable. 

XXXX : A paid and closed account, inaccurately reporting a XXXX late payment in XX/XX/XXXX. 

In my original dispute, I specifically requested that Experian : 1.Open an investigation into the accuracy of these accounts as required by FCRA 611 ( a ) ( 1 ).

2.Provide verification with supporting documentation from the furnishers ( e.g., original agreements, payment histories, proof of compliance with reporting guidelines ).

3.Remove any accounts that could not be verified within the statutory 30-day period, as required under FCRA 611 ( a ) ( 5 ). 

As of XX/XX/XXXX, Experian has : -Failed to provide evidence of an investigation or verification of the disputed accounts. 
-Updated certain accounts ' statuses without any supporting documentation, further violating FCRA requirements. 
-Failed to remove any unverifiable accounts from my credit report.

Experians actions violate the following : FCRA 611 ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation.

FCRA 611 ( a ) ( 5 ) : Failure to delete unverifiable information.

FCRA 616 and 617 : Negligence and willful noncompliance, causing damage to my creditworthiness.