23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had ( have ) an account with XXXX XXXX. I had been making regular payments and was in good standing. They increased my credit limit twice since I first obtained the card. Within the last XXXX - 3 years, several things happened : ( XXXX ) XXXX XXXX events resulting in XXXX, ( XXXX ) a diagnosis of a rare, XXXX  disease - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hospitalization, ( 6 ) several additional hospitalizations, ( XXXX ) my apartment flooded because of a water leak, ( XXXX ) unforeseen car repair expenses, and ( XXXX ) all of my XXXX XXXX XXXX XXXX XXXX XXXX  Because I am on a fixed income ( XXXX ), it has been difficult to say the least to keep up financially with all of these challenges. In terms of my XXXXXXXX XXXX Card account, ( which I used for my dental problems, I recently took out a guaranteed loan with XXXX XXXX XXXX to pay off my balance which was around {$3400.00}. I also used this loan to pay off my credit card balance with XXXX XXXX Bank which was around {$3000.00}. Before I had a chance to attempt to negotiate with XXXX Card, wanting to apply for a 'hardship ' situation, they sent my account to a debt collecting law firm - Weltman XXXX Weinberg , and Reis ( XXXX ). Initially this law firm allowed me to set up an automatic payment plan of $ XXXX, for 6 months. When the 6 month period was over, they informed me that I needed to pay {$600.00} - {$700.00} per month to satisfy the balance of over {$10000.00} - {$11000.00} ... which is impossible for me to do. I received a letter recently from XXXX informing me that they were showing that I had non-exempt resources that I had failed to disclose. They said that they contacted an independent insurance firm XXXX XXXX XXXX XXXX in XXXX, Indiana ) and asked if I was employed there. Whoever XXXX spoke to at XXXX XXXX XXXX, the person at XXXX informed XXXX that I was indeed an employee of XXXX XXXX XXXX. ( XXXX XXXX XXXX  ) This has never been true. I had been contracted with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - BUT THAT RELATIONSHIP CAME TO AN END IN XXXX. I called XXXX and told them about this. XXXX informed me that if I contacted XXXX XXXX XXXX  and had them fax XXXX a document verifying that I was not an employee, then I would not have to appear in court on XXXX XXXX, XXXX. I later called XXXX again to ensure that ( XXXX ) they received the faxed document and ( XXXX ) that I would not have to appear in court in front of a judge. XXXX went back on their word and said that I would still have to appear in court. I am NOT pleased about this situation!!!!!!!
Product: Debt collection

This company magically appeared on my credit report one night around the same time that I found out, I was a victim of identity theft. I have previous affiliation with this company have never done any business with this company. Do not even know where they are from. I have tried several times to contact him to provide documentations, and they never do. I have filed a dispute and complaint results were ever given. They have not provided any documentation with my signature or identification.
Product: Bank account or service

I had a HAS account set-up with Wells Fargo since XX/XX/XXXX. Starting in XX/XX/XXXX, I started to pay a monthly maintenance fee of {$4.00}. In XXXX, I decided to move the balance to another provider who would not charge me the monthly maintenance fee. The balance was transferred from Wells Fargo and they ended up charging me another {$25.00} account closing fee. This fee was never disclosed to me nor has the customer service reps at Wells Fargo been able to provide me with a reason for this fee. I am left with no option but to try and recover this overcharge by this bank via the Consumer Financial Protection Bureau. I keep paying fees to this bank and there is no end to it. 

I have also tried to get into the Wells Fargo account information online but the firm has turned off all my access to it and I am unable to attach an online statement for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone changed my address to XXXX XXXX XXXX. XXXX sent from XXXX XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX XXXX showed a purchase of car which I did not.
Product: Checking or savings account

I was charged several fees for using my debit card at XXXX bank. I didn't withdraw money, I was paying my car loan. I have paid there before and haven't been charged any fees. In the last week, I have been charged 2 different fees for the same type of transaction. I was charged {$10.00} and then {$5.00}. I called to get my fees reversed, and was unable to get help with one of the fees ( out of a total of 3 ). I want my money back. This was taken out of my RENT money when I have a check pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the inaccurate information reporting in my credit reports for the better part of the last 2 years. Over the last 2 years I have yet to receive one letter from XXXX, XXXX, or transunion about the results. According to the FCRA, the credit bureaus are obligated to respond to all of my dispute requests but, they have been ignoring me!!!! This is a violation of the law. I want the credit bureaus fined for this fraud and the removal of the incorrect information from my credit reports!!!!!!!
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on my consumer report that i would like removed all names and variations of any names should not be present on my credit report under the name section I would only XXXX XXXX on my consumer report. no other names. There are several non mailable addresses that I can never be reached at on my consumer report that i would like removed. only the address XXXX XXXX XXXX XXXX XXXX should be present on my account XXXX XXXX XXXX Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' XXXX XXXX XXXX  '' - 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - 60 days late XX/XX/XXXX - 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information XXXX XXXX XXXX this account is listed as XXXX XXXX XXXX XXXX  Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account DEBT BUYER On XXXX this account is listed as XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On XXXX its reported as PXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section XXXX, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on XXXX XXXX XXXX - XXXX of information, statements and data & XXXX CFR XXXX - Responsibility for accuracy, completeness, currency, And integrity.i am asking that this inaccurate information be removed Immediately
Product: Credit reporting or other personal consumer reports

I recently discovered a bank account and balance associated with XXXX that do not belong to me. This is a case of fraud and identity theft. I have received numerous letters from XXXX advising the removal of this account. 

Additionally, the XXXX XXXX account and balance also do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Get dat XXXX off my credit all 3 bureaus dese XXXX ignored my administrative process and still got fraudulent XXXX on my credit and den y'all XXXX hide the the truth to life XXXX XXXX GET IT THE XXXX OFF TRYING TO KEEP ME DOWN XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance Owed : {$0.00} XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 -REVCOSOLUTIO ( Original Creditor : 10 XXXX XXXX AND XXXX  ) XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.
Product: Prepaid card

Sir on XX/XX/XXXX  my daughter met with an accident due to which I was facing a lot of difficulties and due to this I could not access these documents. 
Now, from what I have seen, the last way was to seek guidance from you. I hope you will guide me.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS ON INQUIRIES ON MY REPORT THAT ARE NOT MINE. 

NOT MINE : XXXX XXXX XXXX -- XXXX XXXX -- EQUIFAX MORTGAGE SERVICE -- XXXX/XXXX -- XXXX XXXX XXXX -- XXXX XXXX  XXXX  -- XXXX XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX -- EQUIFAX MORTGAGE SERVICE -- XXXX XXXX -- XXXX-XXXX -- XXXX XXXX  -- I XXXX XXXX -- XXXX XXXX XXXX -- XXXX -- XXXX XXXX   XXXX -- XXXX XXXX, XXXX -- XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX -- EQUIFAX MORTGAGE XXXX -- XXXX -- XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX --
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/2018 I went through Equifax 's " security freeze '' process at https : //www.equifax.com/personal/credit-report-services/. It forces you to create an account to place a freeze. 

I created an account. 

It doesn't allow logging in. It gives the following error : " We are temporarily unable to complete this request. 
Please try again later. '' It is now Monday, XX/XX/2018. The above message is constant and has been in place since Friday. 

Today, I received a welcome email from Equifax for their " myequifax '' website, which, as noted above, does not allow a login. I called the number in the email. I was informed Equifax has been updating their system " for a month '' but that I should " call back in 30 minutes ''. 

I called back 2 hours later. I was told, again, that nothing could be done because their system was updating, and to " call back again in 30 minutes ''. So I called again 3 hours later, and ... same thing. 

My understanding is that federal law states these jokers are supposed to allow me to place a security freeze. 

They are not allowing me to do so online or via phone. 

Between this and not being able to get my report, I've wasted multiple hours now trying to deal with Equifax 's broken website and support, and am seriously considering following the example of the woman in Vermont and filing my own lawsuit in small claims court. What's the point of having laws if there's no penalty for not following them?
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit and found this account, which was reporting inaccurate information so I sent disputes to the credit bureaus and after a supposed reasonable investigation, they verified the account as accurate. I am disputing this because they are reporting inaccurate information this whole time! They have not responded to my disputes, or sent me the documentation requested! they have, however written me a check for {$24.00}, which verifies the inaccuracies! They have continued to report this despite the inaccuracies, and the fact that they must have done some sort of investigation to find a balance? The only other reason that they could have written a check for is my silence. My next step is to go to my attorney!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information on my credit report for XXXX XXXX card to be removed because of age with the credit bureau, XXXX and the collection agency XXXX XXXX. This item still has not been removed and XXXX XXXX sent a letter stating they have not reported to the credit bureau since XXXX/XXXX/2014. So how is this account not removed from my credit report when they are supposed to report up to date information?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Last 4 digits SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to address a matter of utmost concern regarding my recent credit report. Upon reviewing my report The following accounts ( itemized below ) are reporting a current balance when it is my understanding and reason to believe that this debt was charged off by each lender. Because of that fact, this debt is cancelled and at least should not reflect the balance nor continue to actively report current updates that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Please delete these inaccuracies. 


XXXX XXXX : Balance {$15000.00} Last report date : XX/XX/2023 XXXX   XXXX XXXX : Balance {$7000.00} Last report date : XX/XX/20XXXX XXXX   XXXX XXXX : Balance {$10000.00} Last report date : XX/XX/20XXXX XXXX XXXXXXXX XXXX : Balance {$11000.00} Last report date : XX/XX/203 XXXX XXXX XXXX XXXX Balance {$5600.00} Last report date : XX/XX/2023 XXXX  : Balance {$19000.00} Last report date : XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously disputed bankruptcy reporting on credit file several times. I sent a validation letter asking for the person that verified information through clerks office but received no response back. I also contacted XXXX XXXX whom a rep by the name XXXX XXXX at (XXXX) XXXX who explained that a bankruptcy was not showing on her end. I also received a letter from XXXX stating the timeframe required that the bankruptcy could not be verified accurately after a re investigation.
Product: Checking or savings account

Capital One has failed to properly safeguard my personal banking account, update my banking account transactions, account balance, and bill payments. The account transactions on my Capital One bank account have not been updated since XX/XX/year> despite several transactions with merchants and credit cards that should have been posted. Capital One indicated that they experienced technical issue but that the issues had been resolved and service had been restored. That is not accurate. None of the transactions that should have been posted on my account showed up. Further, when I contacted Capital One this morning, they tried to hard sell me on using THEIR billpay service instead of addressing the issue of missing account transactions and no updates to my bank account. They indicated that their were additional ACH issue alerts made this morning, yet they are being disingenuous with their customers stating that the issues have been resolved when they have not. Further, Capital One has failed to safeguard my account because they can not accurately provide details of anything that has happened on my account for two weeks. The Capital One representative told me this morning where he could see " attempts '' of transactions on my account, but " could not see '' the amounts or merchant names. How do we know these weren't fraudulent? Further, a Capital One manager informed me that despite having sufficient funds in my account, a bill payment that was made to my XXXX Credit Card account will most likely be returned due to their issues. ALL of this is unacceptable. I will also be filing additional complaints with the XXXX  and the State Attorney General 's Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX I did go here to look at a car but backed out of car deal and still they ran my name to many times XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never in my life asked for a credit card thru XXXX NEVER XXXX XX/XX/XXXX refuses to take any action!! Once Again didnt know they was running my name 10 times XXXX XXXX XX/XX/XXXX didnt ask for this to be ran either 2 XXXX  XXXX credit cards XXXX XX/XX/XXXX I did not file for a card they XXXX XXXXXXXX ever!!!! 
XXXX XXXXXXXX XXXX XX/XX/XXXX did not ask for this to be ran either!!! 
The buckle XX/XX/XXXX didnt take action even tho I didnt apply for this at all! Never applied for this company says nothing can be done!!! 
XXXX XX/XX/XXXX refused to remove even tho I did apply for this card either!!! 
XXXX XX/XX/XXXX twice didnt ask at all to be ran either all these are on my XXXX and some on my XXXX please help me with these! I worked hard to get my credit up and then I see all this and been trying for months to get help with removing all this off of my credit
Product: Vehicle loan or lease

I XXXX XXXXi bought XXXX XXXX XXXX ACCOUNT NUMBER XXXX I TOTAL LOST MY CAR IN XX/XX/XXXX MY INSURANCE COMPANY TRIED PAID PAY OFF {$13000.00} AND THEY SAID NO WE NEED MARKET VALUE FOR THE CAR WHICH IS {$19000.00} and this never been disclose to me i never recive my contract because the delver the car to in 10 times attempscalling vw creidt and they send me one part contract is one millimeter and you can not read and get bigger exposure by XXXX machine state attorney general designed to protect virginia consumer and not bow to scam artist airbag and diesel law suit please i need answer and i am going to send this to us attorney general i think you have close down vw creidt in state va thanks XXXX XXXX XXXX
Product: Debt collection

This debt is not mine. According to law US 1681 this is a violation of my rights with inaccurate finding being reported to my CBR.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax dropped my score almost 100 points with no reasonable explanation I went from XXXX to XXXX in one day! There has been no discernible activity to explain the reason for should a huge drop to my score, every open account on my record has never been late once! The only activity that was generated on my report is my request to dispute several accounts that were previously closed! After Equifax first contacted these closed accounts, they started lowering my score! Some of the accounts as I reported to them were settled as per agreement but they have not updated them as of this letter! I feel that credit reporting agencies such as Equifax need to be far more attentive about how they report updated information when a dispute is completed for CLOSED ACCOUNTS! The information that the creditors provided did not make any changes from their last reported status, therefore, there should not have been any changes made negatively to my score as a result of my dispute! Dropping a persons score nearly 100 points is indeed, a serious matter and it needs to be reviewed to insure that the information does not impact a consumer negatively due to misplacement of confirmed information and the record should reflect the updated information only in the comments section of the report not anywhere else in the body of the record! It's here where you are essentially performing double jeopardy by computating information as new but was previously unchanged from the creditor 's last report! You erroneously computated their old, previously reported information as current! This change in my score has caused me great duress and I would like to request punitive damages as a direct result!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : Late Payments from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX  : XXXX XXXX XXXX ( XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions