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

I had a Simply checking account with Capital One, and I disputed transactions that a company I have never used, The bank credited my account back with the dollar amount, and a few days later my account was in a negative status. I spoke with an agent at the bank and I was told the funds were taken back because the company showed proof that I authorized the transaction. I was never notified of the reverse, nor was I asked for any documents or proof that I have never used the company 's establishment. A week later my account was closed, Spoke with the agent asking how can we resolve this issue. I was told we can't and I do not owe anything. I went to XXXX XXXX to open a bank account, and I was declined, reason because I have a negative red flag on me because of the closed account with the bank mentioned above.
Product: Debt collection

I didn't receive enough information to verify the debt. 

According to the Fair Credit Reporting Act, Section 609 ( a  ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could mail, fax, email in a fraudulent account.
Product: Checking or savings account

OnXX/XX/2022 I noticed that my main checking account was locked for no reason at all. Direct deposits and transfers have been failing to and from my accont. In this account I have {$2100.00} and have failed to get another {$1800.00} approx in deposits because of it that would have gone into this account automatically. 

I called an spent 2 hours being transferred around by Wells Fargo as nobody seemed to understand what the problem was. I then went into the local Wells fargo branch and after about an hour of the manager calling around trying to figure out the problem, they came up with an old investment I had maybe for 20 years that needed to be updated that was linked to my checking. I do not use that account and I thought it was closed. There is no money in it, and nothing is owed. The only reason they had both accounts locked is because it needed personal information updated. The manager took my information, updated it and said it would be fixed in 24-48 hours and it was not. I then went back to that branch again and he spent another hour on it with he same problem nobody could fix it but they said it would then again take 24 to 48 hours. All this time my transfers and direct deposits have been bouncing and my Mortage payments are late. 

So the first branch then sent me to another branch who had access to that part of the business and they told me it would be resolved in an hour, then 24 hours then 48 hours. It was not. I went back to that branch and I got the same line again that it is being worked on but nobody can work on it. I the mean time I can't pay any bills with that money. I need my account release immediately. Today is XX/XX/2022 and it still is not resolved.
Product: Credit reporting or other personal consumer reports

this was not sent in error i am a consumer by law and my information was misused. Now I have some false not 100 % accurate accounts on my credit report and also not XXXX XXXX compliant
Product: Credit reporting, credit repair services, or other personal consumer reports

When I received a copy of my credit report, and I noticed some accounts on my consumer report that had inconsistencies that should not be on there, I disputed them. The CRs did nothing to fix the problem. 

The list of inaccurate accounts to be deleted. 

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 too many inaccuracies like payment history, date opened, date reported, date last active, date of last payment, credit limit, and past due amount. 

15 U.S. Code 1681b ( a ) ( 2 ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681i ( 5 ) ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer The CRs have no respect for the laws that protect the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions ACCOUNT ( S ) : Account : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX Account : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Acct # : XXXX Account : XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) Acct # : XXXX Account : XXXX Acct # : XXXX Account : XXXX Acct # : XXXX Account : XXXX XXXX Acct # : XXXX
Product: Credit card or prepaid card

In XX/XX/2019 I called Chase to discuss my credit card bill and also to close my account. I spoke with a representative and advised them that I no longer have use for this card and would like to have it closed. At the time, my bill came in for {$170.00} with payment due on XX/XX/2019. I asked for a courtesy refund of the XXXX $ annual fee - the rep agreed that since the fee was only charged in XXXX, I qualified for the reversal. I also asked for the fees to be waived, which the rep agreed could be done, {$27.00} in fees, and {$2.00} in interest. Since I was getting all these reversals, the rep told me I only needed to pay the DIFFERENCE. 
So the math for this was : {$170.00} minus {$95.00} mins {$27.00} minus {$2.00} = {$50.00} remaining balance and payment due. I made the {$50.00} payment on XX/XX/2019. Yet I received a bill for the XXXX statement with a balance on my account. My account should have been XXXX  'XXXX out by the XXXX statement. Now the XXXX statement comes with late fees, interest, and other fees. which is extremely deceptive and abusive, also ridiculous because it's unwarranted. It is not my fault that the rep did not do as promised. I am not liable for this bill. The rep failed to reverse all the charges, and HENCE XXXX continue to have a balance and now additional fees that I am not liable for. I am requesting for everything to be made whole and all fees/annual fees to be reversed as promised. This account should be at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries and public record listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/2019 ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged CH-XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019. 

2. Bankruptcy Chapter XXXXDischarged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my report from a mortage lender i noticed the debt on my credit profile. After reviewing the report i saw an account with a balance over XXXX. I knew that it couldnt have been mine. So Im am submitting a dispute to get it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, rights of privacy have been violated and breached by this bureau which could be a direct violation of federal law. This bureau is reporting incorrect data on their site and according to the government law, it is the bureau 's GRAVE Obligation to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. This bureau is additionally in infringement of federal law by putting inaccurate accounts on their site without my authorization.
Product: Credit card or prepaid card

We signed up for Credit Card in XXXX. There were rewards points available. 
We never received the reward points. We've been in touch 3-4 times since XXXX. They never responded until this 5th attempt. They've denied the reward points and denied returning our annual fee as they stated we needed to cancel within 30 days. However within that 30 days we never got a response on the points. They are " unable to provide any help '' and state they will call us back later. So this means we have to wait longer and out the money and points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported identity theft on my account. Experian returned by saying they did NOT believe the complaint came from me. I submitted the FTC Report, Driver 's License, Social Security Card AND Utility and NOW I have had my document notarized! They are stalling and if this does not solve the issue, I will sue them and take them to court!
Product: Credit card

I HAVE A CREDIT CARD FROM BARCLAY BANK. IT IS CALLED AS EXTRA POINTS VISA. THE STATEMENT OF THIS ACCOUNT CLOSE ON XXXX OF EACH MONTH. I DID NOT GET MY LAST MONTH STATEMENT TILL TODAY. I REQUESTED THEM SEVERAL TIMES. BUT I HAVE NO RESULT. THE CUSTOMER SERVICE OF THIS BANK IS HORRIBLE.THEY HAVE NO RESPECT FOR CUSTOMER. THEIR CUSTOMER SERVICE IN XXXX IS VERY BAD. THEY TREATS AMERICAN CUSTOMER LIKE A DIRT.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer agency prepares a consumer report it shall follow a reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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

On XX/XX/2022, I consumer XXXX XXXX sent ARS a request to obtain my consumer report. ARS have not sent me a copy of my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO : XXXX STUDENT LOAN AUTH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I HAVE SENT NUMEROUS OF LETTERS PERTAINNG TO THE VALIDATION OF THESES ACCOUNTS THROUGH CERTIFIED LETTER RECEIVED XX/XX/XXXX BY XXXX XXXX. THE ACCOUNT SHOULDNT BE REPORTING AS IT HAS BEEN TANSFERED AND SOLD TO ANOTHER LENDER THROUGH CONSOLIDATION. THEY ARE ALSO INACCURATELY REPORTING THE TERMS DURATION OF 144 MONTHS AS WELL AS THE DATE OF LAST PAYMENT XX/XX/XXXX AND THE DATE OF LAST ACTIVITY WAS XX/XX/XXXX. NOW HOW IS THAT EVEN POSSIBLE? THEY HAVE NOT COMPLIED WITH THE FTC NOR FCDPA AS FAR AS IM CONCERNED AND I AM CERTAINTLY OUTRAGED BY THIS.
Product: Vehicle loan or lease

My loan is with Santander Consumer. I bought the car at the dealership and the bank opened 2 accounts for the same car. I referred to an oficial of the bank and they said that the dealership created the problem but they will fix it. Santander oficial instructed me to stop payments until one of the account was closed, I follow their advice as told, I paid around 3 payments in just one time and my credit report took a dive from XXXX to low 600. I have called them many times and now they said that they do not have a record of all that happened. I have had credit card denials because my score shows a charge off which is incorrect. Santander Consumer has not give me an answer or return my calls in the last 3 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have repeatedly violated my rights as well as the Fair Credit Reporting Act. Despite the several correspondences Ive had with them, they refuse to correct and continue to report inaccurate and unverifiable derogatory information about me. 
For one, I filed and informed Equifax and XXXX of an identity theft report in regards to the XXXX account and I also Informed them the information on the XXXX account was incorrect and derogatory and it needed to be deleted immediately. I have requested verification of this debt per my consumer rights pursuant to the Fair Credit Reporting Act. They have allegedly verified this account several times electronically with the original creditor but never once to me as mandated by law. 
Secondly, I've actually disputed with XXXX XXXX and XXXX XXXX XXXX several times directly who simply refuses to validate the debt they claim I owe as requested per the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX ACCOUNT XXXX, XXXX ACCOUNT XXXX, XXXX OF XXXX ACCOUNT XXXX, XXXX ACCT XXXX, XXXX XXXX ACCT XXXX, XXXX ACCT XXXX, XXXX ACCT XXXX, XXXX ACCT XXXX, XXXX  ACCT XXXX, XXXX  ACCT XXXX, XXXX ACCT XXXX, XXXX XXXX  ACCT XXXX, XXXX ACCT 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 furnmish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the information on my credit report regarding XXXX XXXX XX/XX/year>. According to 15 U.S. Code 1681e, I did not authorize either of these institutions to furnish my information.

I have never given written consent for them to disclose any of my personal information. It has come to my attention that they have provided information to you without my authorization. This is a clear violation of my privacy rights and I request that information be removed from my credit report immediately.

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX XXXX XXXX XXXX.Please see screenshot attached : Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX 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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Accounts Due to XX/XX/XXXX Data Breach Dear CFPB Representative, I am filing this complaint regarding inaccuracies on my credit report due to the XX/XX/XXXX data breach. My personal and financial information was compromised, and I have since identified unauthorized accounts, inquiries, and/or personal information changes on my credit file. 

I have attempted to dispute this information directly with the credit bureaus but have not received a satisfactory resolution. Therefore, I am requesting CFPB intervention to ensure my credit report is corrected. 

Details of Dispute : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number ( Last XXXX Digits ) : XXXX Addresses on File : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Report File Number ( if available ) : XXXX Credit Bureaus Involved : [ XXXX, Experian, XXXX ] Nature of Complaint : Unauthorized accounts appearing on my report. 
Hard inquiries I did not authorize. 
Inaccurate personal information changes. 
Failure of the credit bureaus to properly investigate my dispute. 
Requested Resolution : I am requesting that the CFPB ensure the immediate investigation and removal of any unauthorized accounts, hard inquiries, or inaccurate information on my credit file. 


I appreciate the CFPBs assistance in resolving this matter. Please provide me with a written response detailing the actions taken to correct my credit report. 

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

I did not g ive Kia Motors Corp auth orization to run credit report  XXXX  times. I did not know the sales rep ran my credit  XXXX   XXXX ,    2016  and than   XXXX   again  XXXX   XXXX ,  2016 .
Product: Debt collection

On XXXX I contacted Credence Resource regarding an account they were attempting to collect on. In term they sent a letter saying they were ceasing collection activity and thus removed the account from my credit file. On XXXX I got a notification that a new collection had been added to my XXXX   credit report. After logging in I saw that Credence has reported the same account that was once deleted but with a new account number making it look like I this was a new and recent collection account. I then checked my XXXX  report and noticed they had reported the new account on there also. I have never received proper validation for the account they were trying to collect on. Their reporting caused a huge drop in my credit score because apparently they re-aged the account.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Request for Investigation of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute and request an investigation into the inaccurate reporting of my XXXX XXXX account ( Account Number : XXXX ) and its subsequent transfer to Nelnet ( Account Number : XXXX ). Specifically, the payment history reflects errors that significantly misrepresent my financial record. 

According to the reports, my XXXX XXXX account indicates that I was 90 days late in XX/XX/year> and XX/XX/year>. However, the account never accurately reflects a progression of delinquency from 30 days late to 60 days late and then to 90 days late, as required by standard reporting practices. Furthermore, the account was closed due to a transfer to Nelnet, yet the misrepresentation persists. 

This reporting error violates my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], which mandates that credit reporting agencies and furnishers of credit information must ensure the maximum possible accuracy of the information they report. This inaccurate reporting has caused undue harm to my credit profile, and I am demanding immediate rectification of this error.

Additionally, I am aware of prior lawsuits and complaints against Nelnet concerning the misrepresentation of consumers ' accounts and erroneous credit reporting practices. For instance : Case Example : Lawsuits allege Nelnet 's failure to maintain accurate account records and properly update credit reporting agencies, which mirrors the issues I am currently experiencing. 
Violation Allegation : Misrepresentation of payment history and account status, as in my case, has led to widespread consumer harm, further supporting the need for immediate corrective action. 
I respectfully request the following actions : Immediate Correction : Amend the payment history for the referenced accounts to reflect accurate information.

Verification of Accuracy : Conduct a thorough investigation into the reporting discrepancies and provide a detailed explanation of your findings.

Notification to Credit Bureaus : Inform all credit reporting agencies of the corrections to ensure my credit profile accurately reflects my account status.

Please consider this communication a formal complaint under the FCRA. If the requested corrections are not made promptly, I reserve the right to escalate this matter further, including but not limited to seeking legal remedies. 

I trust that you will give this matter the urgent attention it deserves. I expect a written response detailing the steps taken to resolve this issue within 30 days of receiving this letter. 

Sincerely, XXXX XXXX