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

I have contacted y'all today to remove a block off from my online banking account so I can login to it every time I try to login it say this Online access is currently unavailable To access your accounts online please try again later or re-enroll for online access : Online Banking customers, please visit wellsfargo.com and select Sign Up at the top of the page, or call XXXX Online Brokerage customers, please visit wellsfargoadvisors.com and select Sign Up, or call XXXX when I have contacted y'all the agent tell me he can't remove until I go to a my bank in person and I can't go to my bank because I have to get a new picture ID because I have lost it and I have told him that the agents over phone have removed the block for me in the past without me going to the bank and my username is XXXX or XXXX they been transfer me to difference departments the last agent she have restore it back online now now it got block on the online bank again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$3100.00} ; XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX  XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$3800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  : {$0.00} ; XXXX XX/XX/XXXX.
Product: Prepaid card

Have been using DirectExpress Card to receive XXXX. payments and have read and followed the " fine print '' only to send the pertinent information via U.S. Mail only to receive no response and for DirectExpress to be in breach of their own " terms. '' According to F.B.I. website information on debit cards that have funds deposited to them this constitutes a fraud. 
After making online transaction that the telephone check states the balance has been reflected without a HOLD. The company is stating different from what I have recorded after transaction. The company are " pulling a fast one '' on us benefit receipients.
Product: Checking or savings account

I FILED CLAIM ABOUT XXXX  XXXX TAKING WRONG AMOUNTS OUT EVERY MONTH WELLS FARGO ACOUNT XXXX REFUSED TOO HELP ME GET MY FUNDS BACK TOLD ME TO CONTACT XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Attached you will find previous letters i sent.
Product: Vehicle loan or lease

I have received multiple conflicting information and threats of repossession after being told that making certain payments would protect me from repossession by the company. 

I received a letter saying I would have to pay {$1100.00} to bring the account current, other information telling me i would owe approximately {$1700.00} to bring the account current and then further told by an employee with ID number XXXX that i would need {$640.00} to bring the account current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting and updating a charge off from XX/XX/2020. 
The following account was charged off as of XXXX XXXX Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history which to my understanding, charge off accounts should NOT include an active payment history. Need I remind you this also falsey manipulates the statute of limitations.
Product: Credit reporting or other personal consumer reports

I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION SPECIFICALLY MY PAYMENT HISTORY OF MY XXXX XXXX ACCOUNT BEING REPORTED. THIS FALSE INFORMATION IS SEVERELY IMPACTING MY CREDIT AND I HAVE NEVER BEEN LATE. 

I CONTACTED BOTH XXXX  AND THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION OF LATE PAYMENTS, BECAUSE MY RECORDS INDICATE I HAVE NEVER BEEN LATE. I REQUESTED, VALID DOCUMENTED VERIFICATION, THE NAME OF THE PERSON WHO VERIFIED, AND VERIFICATION PROCEDURES. I HAVE NOT BEEN PROVIDED THIS INFORMATION WITHIN 30 DAYS. 

ACCORDING TO FCRA, 15 USC 1681A ( I ) UNVERIFIED INFORMATION MUST BE DELETED FROM CONSUMER PROFILE, 15 USC 1681 A-2-I, EXPERIENCES AND TRANSCATIONS OF CONSUMERS ARE EXCLUDED FROM THE CONSUMER 'S PROFILE AND 15 USC 1666B, BILL COMPUTATION ERRORS THAT INCUR LATE PAYMENTS MUST BE CORRECTED AND DELETED BY THE CREDITOR
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to all 3 bureaus regarding some accounts that were inaccurate on my credit report and XXXX XXXX and XXXX  removed them, but equifax has failed to remove them or give me any letters showing information on these accounts. It has been a year now. No explanation or letters or proof
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this LVNV FUNDING was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Debt collection

I am writing to formally report an incident of identity theft and fraudulent accounts on my credit report. I recently obtained a copy of my credit report from XXXX, and I discovered several unauthorized accounts and transactions that I did not open or authorize. This is a matter of utmost concern, and I am seeking your assistance in resolving this issue. Please find below the details of the fraudulent accounts : XXXX 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 XX/XX/2022 Remove these fraudulent accounts and any associated negative information from my credit report as they are not a result of any legitimate transactions I have made.

I understand that this process may take some time, but I kindly request that you keep me informed of the progress and any actions taken to resolve this matter. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction regarding the tardy handling of the opening of my account with Credit Bureaus. I submitted all the necessary documentation and fulfilled the requirements for the establishment of an account, yet to my dismay, there has been an unacceptable delay in its processing. 

As a new client, I anticipated a prompt and efficient response from your esteemed company. However, the prolonged delay in opening my account has caused inconvenience and frustration on my end. I have been eagerly waiting to commence business transactions with your organization, but the delay has hindered this process significantly. 

Given the circumstances, I kindly request that you expedite the processing of my account opening without any further delay. Time is of the essence, and I trust that you will prioritize this matter accordingly. Additionally, I would appreciate timely communication regarding the status of my account and the steps being taken to rectify this situation. 

Please understand that my dissatisfaction stems from the lack of promptness in resolving this matter, and I hope that you will take the necessary steps to rectify the situation promptly. I value the potential partnership with your company and believe that swift action on your part will help restore my confidence in your organization. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXXXXXX Balance Owed : {$770.00} ; XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXXXXXX Balance Owed : {$2200.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specially, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and finical loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the bureaus and still have yet to receive any response. 

Initial dispute XX/XX/2021 30 day demand XX/XX/2021
Product: Credit card or prepaid card

please refer to case #  XXXX  regarding the initial issue with barclays cards ; on  XXXX / XXXX / 2017  I spoke with  XXXX   XXXX  of the office of the preside nt BCUS  at  XXXX  ext  XXXX  to follow up regarding my issue with the closure of my XXXX  cc. She told me that barclays will not alter their credit decision to close my account and by doing so harming my credit rating. She showed no concern about my issue or concern ; she did not resolve it or offer any alternative solutions. She is a disgrace as far as customer service representative especially form the office of the president! What a joke!. I have always been treated in this manner by barclays anyway. Both credit card accounts were current, never over the limit, payments more than minimum, never bounced checks! Shame!!!!!!!!!!!
Product: Debt collection

To whom it may be concerned, Towards the end of my lease term the apartment complex I was living inn told me I needed to give them a 60 day notice if I was not going renew my lease I gave them 71 days notice an extra 11 days. 

I moved out of my apartment XX/XX/XXXX and in XX/XX/XXXX I received a letter from " RentDebt automated collections LLC. '' stating I owe them {$3100.00} but does not explain why. It only states that they are collecting a debt for " XXXX XXXX XXXX XXXX XXXX '' I tried to contact the apartment complex and left several messages to explain that I left on good terms and there records where wrong. I wanted to know why they would wait two full years to tell me I owed them money. 

I do not owe RentDebt anything they have no legal right to report anything on my report or collect some erroneous debt. I left my apartment in good standings to get a letter almost 2 years later is absurd and very suspicious. I have called the apartment complex more than 5 times to get some sort of explanations and left a message on each occasion to this date they have never responded to me by mail or call. I have received some calls from a company called RentDebt that I have never done business with that has threaten to sue me if I do not call them back. They have also placed a collection on my credit report lowering my score more than XXXX points. I monitor my score on a monthly basis this is no expectable or legal.
Product: Debt collection

On XXXX, I paid {$740.00} to XXXX XXXX XXXX to settle a debt that XXXX XXXX XXXX had purchased from a hospital in XXXX, Texas. ( Email proof of payment attached in documents ) On XXXX, I received a letter in the mail from MBA Law ( attached in documents ) suggesting that I owe them {$730.00} for the same debt that I already paid to XXXX XXXX XXXX a year ago.

I contacted MBA Law informing them that I had already paid the debt. They told me I need to show them verification, so I emailed them the proof of payment emails and they have been unresponsive ever since. After doing some research, I discovered that this is a scheme that MBA Law has been participating in frequently over the past year. And I came to discover that their false claim appeared on my credit report two months ago and has already had an adverse effect on my credit.
Product: Credit reporting or other personal consumer reports

Dear, consumer financial protection bureau There were 18 hard inquiries that I did not authorize or recognize at all nor do I have any documentation with any signature or living signature on it. I have tried disputing these issues several times never resolved through Trans Union. Also, Call to try to get information sent to me was also denied. The hard inquiries is as followsXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have asked them to be removed. I can only ask you to do the same for me please and thank you so I may enjoy my and have access to my securities. I also have two collections that I am unfamiliar with nor have I authorized any of this information to be given to these companies, I have filed disputes with both companies explaining to them that I have no association with these collections and requested any documentation to prove that these collections are mine. I have yet to have a response and phone calls. They put me through circles. The two collections is as follows-XXXX XXXX XXXX XXXX XXXXXXXX was placed on XX/XX/year> XXXX {$1000.00}. XXXXXXXX XXXX XXXX XXXX was placed on XX/XX/year> XXXX  {$580.00}. I have expressed to these companies both that I do not belong to these collections Nor have I approved any contract or signed any documentation with my signature living signature, I have asked for documentation showing proof with my living signature an asked for to be removed if they can not prove so that this collections belong to me With great appreciation, I would like to have access to my securities and not be held back any longer. I do thank you. Consumer financial protection, Bureau.
Product: Credit card

Bank of America closed my small business credit card without notice or resolution. The credit limit was XXXX XXXX and I used this entire limit monthly and paid it off monthly and on time.

They requested identification information from me to which I responded multiple times via email and multitudes of phone calls. Also telling me to visit a financial center to which there was not one in the area I was working in. I explained this and they still closed out my account.

Ive spoke with BOFA and visited the financial center and they insist I must open a NEW credit card. Thus impacting my credit scores with an hard hit, new line of credit and min history in new accounts as well as having to adjust all of my reoccurring bill payments. My small business finances are a mess due to this and are now intertwined with personal creditors due to this wrongful closure of my credit card. To date I dont have a reason as to why they have closed it, even after I provided the documents they requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address, Please update my name, My only social security number, My only and correct date of birth, and My only employer. 
I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX 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 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern : On XX/XX/XXXX for some reason I have a late payment recorded on my credit from Wells Fargo bank. I tried to remove it and the costumer service lady stated that it will be removed. XXXX XXXX XXXX XXXX  with XXXX  I asked my friend to take care of my bills. I am not sure what must of happened for some reason my payment did not go through. Same thing occurred again in XX/XX/XXXX. I am not sure why both of this times my payments have not been posted. I called Wells Fargo the lady stated that it will be removed as a first time curtesy. I am trying to purchase a house for the first time and its really affecting my credit score. I am asking for Wells Fargo to please remove this two late payments from my credit report. It's been very difficult two years after recovering from XXXX and losing so many family members. 

Thank you,
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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

I have been fighting for a few months to get a child support account off my credit. It's already removed from XXXX but it is still showing on XXXX and experian. I have sent multiple letters to no avail. Child support should not be showing on my report. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. I have attached my previous dispute letters.
Product: Credit reporting

There were discrepancies on my balance at my dentist office, for instance charges for services I did n't receive. XXXX of the owners, the dentist 's husband actually said he would review it. He called and left a voicemail on my phone on XXXX of 2014 stating that he was going to clear my balance. This year I received a call from the same office stating I had a balance! I then returned the call with no answer and explained the misunderstanding and to call if there were any further questions. Now there is a collection placed on my credit for that same amount. I still have the voicemail ... Thank goodness for technology! I am currently in the process of buying a house, this would prevent me from doing just that. How can I go about getting this removed?
Product: Prepaid card

So I was on XXXX chatting with XXXX XXXX XXXX XXXX  and they asked me what platform I wanted to use and I told them XXXX. So they made me a profile and then kept sending me these cash tags to send my deposit amount to and after about XXXX failed attempts at sending my {$10.00} XXXX went through and then I quit hearing from them they said oh the boss wants to talk to you the company boss wants to talk to you on XXXX same message me on XXXX and we're trying to convince me to pay another {$50.00} because I had won the cash up jackpot of XXXX dollars and I kept telling my broke take the money out of the the fees out of the winnings if that's really what happened and that should take care of that no they want me to send this other {$50.00} they were trying everything in their best Beyond whatever they could do to get me to send another {$50.00} and I wouldn't do it I just want my {$10.00} refunded to my cash app card that they stole from me