23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I got locked out of my account for XXXX twice in a row for a total of XXXX days, when my payment was due, and got XXXX calls from Comenity Capital Bank in that time, XXXX of which were from an Unknown Number and XXXX from a XXXX number. Got back in my this am and made a payment ( sun XX/XX/23 ) and have still received XXXX calls from them - XXXX, XXXX, XXXX. This is harassing behavior and I would like them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see page 16 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however, Equifax and XXXX  have not removed this from my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue but I have not been successful.
Product: Checking or savings account

My civil rights have been violated by XXXX XXXX and wells fargo. There was no legal justification to close my checking account only to harass and abuse me. Wells fargo falsely claims it did everything lawfully and appropriately. Which isn't true. They had to close my original account to cause this trouble for me. Wells fargo has never acknowledged that XXXX XXXX called the police on me. 

I lost my checking account at wells fargo. Due to XXXX XXXX falsely accusing me of harassing her. They just automatically took her side and done me dirty. Which is why she started to be a banker to harass me and to use her position to influence people against me and pay them off as she did with the police. I was done dirty. I did nothing wrong to deserve this type of treatment. 

Why did wells fargo allow me to have the new checking account to begin with. 

I was falsely accused by XXXX XXXX of harassing her. While I was at the bank opening my new account. This was downright dirty what was done to me by XXXX XXXX and other wells fargo employees who assisted her. XXXX XXXX is a mentally crazy unstable person. Wells fargo thinks their smart by not mentioning the real reason why my checking account was closed. My new checking account was only open for a month when they closed it. XXXX XXXX befriends everybody in my neighborhood to get them against me and everyone else in town also. They are all scum of the earth to think by befriending other neighbors around here and having them cut their grass will torment me because people like them for some reason. It's a sickness they have. XXXX XXXX just doesn't know when to stop because wells fargo believed her side of the story and not mine. This incident happens at the bank not outside it like how they so loudly try to explain in their replies. To protect XXXX and XXXX XXXX. This is how XXXX XXXX gets people on her side against me. This is what happen when wells fargo wrongfully closed my checking account. I did nothing to deserve this type of treatment from wells fargo. Wells fargo had malice against me when they closed my checking account. It was personal not because they claim they have a right to close my account. 

Why did wells fargo allow my first account to remain open from XXXX XXXX XXXX made a false call to the police telling them I was harassing her. This is CORRUPTION if the other wells fargo employees went along with this lie. The police didn't see XXXX XXXX any where near me. She intentionally came around me to cause me trouble. I am owed in compensation for my checking account being wrongfully closed due to XXXX XXXX slandering me. Even though wells fargo falsely states I wasn't slandered to defend XXXX XXXX and their wrongful actions in closing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has never sent me a bill of verification of debt. I have disputed on my credit report but the bureau has not properly investigated. I have not taken a loan by phone out nor do I believe to owe this debt. I have also filed this with the federal trade commission.
Product: Mortgage

We made a normal payment as well as a principal reduction payment. The total was XXXX. XXXX or so was to go to the normal XXXX payment and the remainder was to go to principal reduction. Instead they put the remainder to the XXXX payment and only a few thousand to principal reduction. This cancelled a lot of the principal that we were trying to pay down as well as insuring that we paid way more interest.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information to the consumer reporting agencies. After disputing the account multiple times they stated the information was accurate. They failed to reinvestigate the information and they are stating that the account meets the FCRA guidelines it does not it is not accurate information. A reasonable reinvestigation would have identified these errors, including but not limited to inaccuracies in the date opened, last payment date, payment history, balance history, and payment history guide. This information is causing me financial loss, credit score damage, and severe 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. 

XXXX XXXX Account Number : XXXX violated my rights XXXX Account Number : XXXX violated my rights XXXX Account Number : XXXX violated my rights XXXX XXXX Account Number : XXXX 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 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.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONEMAIN to illegally re-age an account. This could have been cleared up by investigating and keeping accurate records, evidently, not a priority. I never received proof of last payment or payment history, which would have clearly shown the illegal behavior. Your time to correct this account has ceased, REMOVE THIS ITEM IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

ON XX/XX/year>XXXX  I contacted Equifax about unautorized and inaccurate fraudulent accounts that I disputed that came back verified! XXXX the supervisor from Equifax fraudulent dept that I the consumer spoke to from XXXX XXXX  to XXXX XXXX  est on XX/XX/year> stated that he did not see my police report attached to my complaint from the CFPB # XXXX. I stated to XXXX from Equifax I the consumer can see my CFPB compliant # XXXX has my local police report attached. XXXX disregarded my statement making me feel not important causing emotional damage. XXXX also stated that my FTC report was not valid.I XXXX XXXX the consumer question XXXX from Equifax how is my FTC report is not valid. XXXX stated that he could not tell me why it was not valid I would have to send an updated FTC report. I notified XXXX he had violated on behalf of Equifax my consumer rights following the guidelines of the FCRA. XXXX ended my call without notifying me that the call would be ended. I am also filing a complaint with XXXX  for XXXX the supervisor at Equifax. At XXXX est I the consumer spoke with XXXX XXXX the Fraud dept of Equifax and stated that I was just on the phone with XXXX and he had ended our call.Shree apologized for XXXX XXXX action and asked how may she assist. I the consumer stated to XXXX that Equifax has violated so many laws according to the FCRA guidelines. XXXX stated that I would need to send an updated FTC report reporting this matter so the accounts can be DELETED. New FTC and police reports will be attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres are multipe hard inquires on my credit report that I did not authorize. I have called each and every creditor in an attempt to get them removed. Some have advised to me get in contact with the bureaus, and other said they would have them removed on their end, but they are still showing on my reports. They are the following below. 

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

I have some inconsistencies with my report. There are multiple tradelines/credit lines open and in good standing for me but they are not reflected on my credit report for my XXXX or Experian. The account i'd like to self-report is XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ca XXXX XXXX XXXX ) XXXX opened on XX/XX/2022.
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 items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. 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 XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$580.00} XXXX XXXX Balance XXXX {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$560.00} XXXX  XXXX Balance : {$2900.00} ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$650.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Notified the company on XX/XX/XXXXthat some one had changed info in my account with out my permission and it was later notified to me it was management at the store. 
XXXXXX/XX/XXXX made contact and also onXX/XX/XXXX made contact thru XXXX chat with chat id # XXXX rep XXXX XXXX I had also made a complaint with the BBB and XXXX corp office contacted me and I 'm still seeing thid on my credit
Product: Checking or savings account

On XX/XX/2019 I made an ATM CASH DEPOSIT at XXXX XXXX  at the XXXX XXXX XXXX Branch of KeyBank to cover an XXXX overdraft that occurred XX/XX/2019. They withheld that Cash Deposit which made more overdrafts amounting to the tune of {$160.00}. I contacted KeyBanks 1800 number immediately after seeing that my Cash Deposit was withheld til midnight of the XXXX as they also caused the overdrafts by doing this. They refused to reverse the overdrafts stating There computer did not recognize the CASH DEPOSIT so this held. I went into the physical location on Saturday, XX/XX/2019 spoke with Branch Manager XXXX XXXX explaining the situation and how unsatisfactory I felt about the business relationship with KeyBank and to close my account effectively before I walked out the door, she gave me the {$64.00} that was left in the account, but than stated there were 3 items for {$3.00} still pending and once those close out, the account would be considered CLOSED! I looked on line the following Thursday XXXX XXXX I went on line to ease my mind that this Checking Account was indeed CLOSED and it had not been!! A negative balance of {$19.00} was showing!! I contacted XXXX at KeyBank and asked her why this was happening she stated because of the pending transactions she couldnt close the account, I then stated why did she allow me to take out the {$64.00} because that would have covered those remaining pending transactions if they are not automatically deducted once the vendor puts ahold for funds on the account like XXXX does. She goes in to tell me, Key doesnt work that way. I told her since it was late in the day, Im XXXX and do not drive, I couldnt make it in til XX/XX/XXXX @ XXXX XXXX to pay again the {$19.00} for these charges they let through on a CLOSED ACCOUNT. Upon arriving to KeyBank via the XXXX car service, XXXX states the amount had gone up from {$19.00} to {$29.00} because three more {$3.00} transactions had gone through. I paid it and firmly told her again to Close the Account and if any straggler Vendors I may have forgotten or have contacted and still tried to use the account could contact me and I would give them my new banking information or ask why they attempted to use the account after I had communicated with them that the account was no longer valid. As the conversation closed she stated she would handle the account personally and assured me no transactions would go through and I wouldnt be charged ANY OVERDRAFT FEES if they did. As of today, I get an email from a KeyBank that I owe another {$160.00} for those three {$3.00} transactions they let go through after I requested the account closed not once but twice. This is an Atrocity of its highest order of Banking Fraud  and Greed to a XXXX Senior Citizen on a fixed income and they need to be dealt with. I would like all the overdraft fees back, from the XX/XX/XXXX incident til date. Im sure I am not the only individual this has happened to. No proof just conjecture.
Product: Debt collection

This auto issue to collect from me is made by my ex wife not me ... ..she is legally responsible for this auto loan thats in collection ... ..it shouldnt be on my record.
Product: Debt collection

XXXX XXXX XXXX  attempted to add an additional day of payment onto my credit card ( I disputed that charge with XXXX card ) for a car rental that was returned via a drop box to their parking lot on time to the XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, IL XXXX location as pre-paid and contracted purchase. 

I have already contacted XXXX regarding this false charge on my credit card for an additional day of rental that was not valid. They were told and situation was supposed to be resolved but still I received calls and mail from XXXX, XXXX and XXXX a Collection Agency XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX The amount is {$49.00} and was charged onto my already paid contract which was pre-paid from XX/XX/17 - XX/XX/17. 

I returned the car to the location on XX/XX/17 at XXXX as pre-paid to do. Still they charged me another day
Product: Checking or savings account

- Failed to complete money transfer from previously verified, utilized and valid account. 
- Erroneously charged a Returned Item Fee - Harassed and threatened me - Failed to acknowledge that I was not at fault and refused evidence to prove their error.

See Attached Documents for Details and Evidence
Product: Credit reporting, credit repair services, 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 ha

s 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 that 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 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 card or prepaid card

I started the process of buying a house by making an offer on XX/XX/2018. I told USAA over the phone my work history on the XX/XX/XXXX. I was told on the XX/XX/XXXX that I had to meet a deadline of the XX/XX/XXXX, which was to give them all the information that they needed. The date was bolded and highlighted. I emailed them my employment history again ( I had already given USAA this information twice before, once over the phone and once over email. I had asked to e-sign the initial disclosure on the XX/XX/XXXX to which I had never gotten an email reply. I had called multiple times on the XX/XX/XXXX and XX/XX/XXXX to ask if they had received everything. I left voice mails and never got a phone call back. I then learned that on the XX/XX/XXXX USAA sent an email ro my real estate agent, saying that I had started the loan process on the XX/XX/XXXX. I was furious at the effort of USAA. I am most upset that they would lie to my real estate agent about dates on which I started this process. I decided that USAA was not putting for their fair share of the agreement and decided to switch lenders. I then called USAA to ask for a refund on my appraisal fee, since the appraisal was non transferable. On XX/XX/XXXX I was told that is was USAA policy that it is non refundable. The next day I called to ask for clarification and was yelled at, they refused to answer any of my questions and ultimately was hung up on.
Product: Credit card or prepaid card

Instead of settling my claim of 3 wrong charges and cleared the charges, Wells Fargo fraudulently created and more fraudulent charges of charges, even though we've stopped using their Visa since XX/XX/2016. There was certainly fraud created with computer maneuvering of printing tens and tens of pages of charges. I'm senior citizen and have respond to their 20-30 phone calls that three fraudulent charges should be cleared as they handled similar fraudulent charges in the past. For Wells Fargo the credit and improper trouble they imposed on us are rolling bigger and bigger like snow balls. Now each day different people called ; there has had being been ten people all claimed to be Wells Fargo authority. I am XXXX and in bad health to receive such persecution. Wells Fargo 's approach has been not reasoning but convincing me that I'm owing about thousand dollars. Bur my question is : For What particular Charges bane them ). Their 20+ pages computer print out confused the matter and looks  fraudulent.
Product: Debt collection

On XX/XX/year>, a debt validation was sent to debt collector certified return receipt in which was received. Some of the information requested was as follows. 
1. Copies of any documents or contracts between your company and myself with my signature 2. A request of proof that your company has the chain of title to collect debt in the State of Florida.

3. A request of all information pertaining to insurance claims filed on by your company or anyone else.
Product: Credit card or prepaid card

In a conversation with American Express, the representative threatened me that if I closed the account and re-opened it at a later date that it would " ding '' my credit score. I asked him to pause and asked if he was threatening me and he tried to change the subject. I do not believe that a company should threaten their customer 's like this. There are credit reporting agencies that make these determinations and it is impossible for an issuer to know how any one particular act may influence any consumer 's credit score. This seemed very obviously a veiled threat to not close the account.
Product: Credit reporting or other personal consumer reports

I was charged for something I did not order. 
They tricked me into signing up for something I did not order Please refund XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M SICK AND TIRED OF THIS NONSENSE! AFTER I FILED FOR BANKRUPTCY IN XXXX, IT HAS COME TO MY ATTENTION THAT DUE TO A BREACH IN DATA SECURITY, MY INFORMATION INCLUDING MY SOCIAL SECURITY NUMBER HAD BEEN STOLEN ( CIRCA XXXX ) AND FRAUDULENTLY USED! I PAID XXXX XXXX  TO HELP SECURE MY INFORMATION. I HAVE RECENTLY BEEN MADE AWARE THAT XXXX  IS NOT A REPUTABLE COMPANY. THEREFORE, MORE OF MY PERSONAL INFORMATION HAS BEEN STOLEN!!! I WAS INFORMED THAT A CAR LOAN HAD BEEN APPROVED BY A PERSON USING MY SOCIAL SECURITY NUMBER! I HAVEN'T HAD A DRIVER 'S LICENSE SINCE XXXX!!! FURTHERMORE, ALTHOUGH I HAVE SENT ORIGINAL SOCIAL SECURITY CARD ... XXXX AND XXXX W2 ORIGINAL FORMS WHICH PROVE THAT I HAVE BEEN SOLELY RESIDING AT MY CURRENT ADDRESS IN XXXX SINCE XX/XX/XXXX, XXXX UTILITIES BILL XXXX AND XXXX, MY GOVERNMENT ISSUED PASSPORT, MY WORK ID, AND A COPY OF MY BANKRUPTCY STATEMENT XXXX, MY XXXX CABLE BILL WHICH HAS MY ADDRESS ... ALL THREE CREDIT BUREAUS REFUSE TO SEND ME MY CREDIT REPORT!!! I AM A VICTIM OF BOTH CREDIT FRAUD AND THE THREE CREDIT BUREAUS!!! I WILL NEVER BE ABLE TO HAVE THESE FRAUDULENT CHARGES REMOVED FROM MY CREDIT FILE. SINCE MY BANKRUPTCY XXXX, I HAVEN'T ANY OUTSTANDING ACCOUNTS. I DEMAND THAT I BE PROVIDED MY CREDIT REPORT SO THAT I CAN LEGALLY CONTEST THESE CHARGES!!! MY INFO WAS COMPROMISED BY A COMPANY WHICH WAS CONNECTED TO XXXX XXXX. I AM TIRED OF BEING VICTIMIZED. I AM A XXXX MAN WHO HAS BEEN VICTIMIZED ALL OF MY LIFE. I BELIEVE THAT THESE THREE CREDIT BUREAUS ARE JUST AN AMERICAN EXTENSION OF XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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