23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following conversion accounts has violated my rights. 

XXXX XXXX XXXX : account number XXXX -DEPTEDXXXX  : account number XXXX -XXXX  : account number XXXX -DEPTEDXXXX  : account number XXXX -XXXX XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXX -XXXX XXXX : XXXX -XXXX XXXX : XXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, son XXXX, dob XXXXthe cfpb complaint has been file to request pursuant to FCRA 605b ( 15 u.s.c 1681c-2 ) that you XXXX reporting agency block information appearing on my consumer report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. this fraudulent, inaccurate information, consists of a personal loan from XXXX XXXX XXXXXXXX XXXX XXXX  opened on XX/XX/year> and account number ( XXXX  ) XXXX I do not recognize the aforementioned account or collection account. this account that is reported by XXXX was not made, initiated or opened by me. the aforementioned account is a result of identity theft and fraud. I have attached a copy of my FTC identity theft XXXX  complaint #, that XXXX of from the FTC that this account is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to Equifax on multiple occasions regarding the XXXX XXXX COLLECTION ACCOUNT. Equifax has alleged that they have verified the debt in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) ; however, have failed to substantiate how they verified that the account belongs to me. In fact, XXXX XXXX has not provided a contract illustrating that I agreed to the debt. Moreover, my credit file has been adversely impacted by the Equifax breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Wrote and I asked for Debt Validation from Wells Fargo. Wells Fargo didn't respond in the first 30 days. I asked again then they sent a letter says they are not able to verify. I filed a complaint with CFPB about the issue which the information is inaccurate and in consistent and the they didn't respond within the XXXX XXXX days. upon responding to the complaint from cfpb the representative wanted to ignore certain facts such as the amount reported to each buearu is inaccurate and that is a direct violation and require immediate delete. He wanted to send verification when in fact they had more than 60 days to verify the debt and again another violation ignore the time and the law and insist on his position even when the facts are not lining up! Slandering peoples credit has a high cost. and Wells Fargo as a financial institute it's in their advantage to ruin people 's credit to charge higher interest rate. double the crime.
Product: Student loan

XX/XX/2014, I paid the student loans, for the amount of {$9000.00}. Citizens bank, told me that they will communicate withXXXX to clear my credit report, my {$9000.00}. cashiers check wascashed by the citizens bank, but they did not informed XXXX, Ihope that, they should be investigated, because they are damageiging my credit report to the XXXX agency 's.
Product: Debt collection

I contacted XXXX XXXX on XXXX/XXXX/XXXX after reading on there website they said. We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. I advised the Rep name XXXX XXXX that I suffered from two XXXXXXXX  XXXX. She asked what they were I told her my illness are XXXXXXXX and XXXX. I had to explain to her what they were, she had no understanding of the illness. She began to google and read to me what the definition said. I told her that I was n't able to work and I was n't receiving any money from any sources. Then after I realized that she had no idea or understanding I asked to be transferred to a US Rep and she finally did. her name was XXXX XXXX and she was of no help. The more I had to repeat my self over and over my XXXX begin to flare up. I advised both of them that my health issue were not going to get any better.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to reopen my Gemini Account to try and sell my crypto holdings as the price had gone up. I emailed gemini to reopen my account and they replied back asking for a selfie holding my drivers license as well as a note with a particular set of numbers to verify that it was me reopening the account. 

I complied and sent over what was requested. 

On XXXX Gemini replied back to the support email Ticket ID : XXXX stating that my account would be closed stating no reason and that I would have 5 days to sell my holdings and withdraw my funds. 

Scared to not be able to sell, I sent my crypto holdings from my trust wallet over to Gemini wallet to sell. The deposit was successful and I was able to trade my holdings to USD. 

After trying to withdraw my USD funds to my linked bank account I received an error message asking me to withdraw {$8.00} to a XXXX XXXX checking account and {$710.00} to a chase checking account I no longer had opened. 

These two checking accounts have been closed and unlinked from Gemini for years. The XXXX XXXX was closed in XX/XX/XXXX and the chase in XX/XX/XXXX. 

I then replied to the support email requesting help and stating that the accounts had been closed. 

Gemini then requested proof of closure : Please upload signed documentation from both banking institutions ( XXXX and XXXX XXXX ) confirming the bank accounts are closed via a secured link. 

I went to XXXX XXXX as well as chase and they provided final bank statements where it clearly shows that the accounts are closed. Both XXXX XXXX and XXXX stated that they could not provide anything other than the statements as proof of closure. 

I complied with Geminis request for account closure verifications and sent them over via the secured link. Im this was all on XX/XX/XXXX I had not heard from Gemini for the past few days until today XX/XX/XXXX. Let me remind you that I was only given 5 days to have all my funds removed from the account before closure. 

Today XX/XX/XXXX Gemini finally replied to my email now asking for me to : Please reach out to my banking institutions to have them sign and stamp my statements. 

Both banks have stated that all they could provide is the final statements and I have reiterated that to Gemini. 

My funds continue to be stuck in my Gemini account without any other options or resolutions from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid settlement amounts as agreed upon by Key Bank Educational Loans using a home equity line of credit. I paid XXXX and XXXX and XXXX to Keybank to settle the accounts and clear the balances owed. The amounts were dispersed by my bank which is a Federal Credit Union. However, the present status shows that I still have a balance owing and past due amount even though the amounts paid and the amounts showing on my credit history are exactly the same amounts. This is negatively impacting my credit history. I called on XX/XX/XXXX to request that they change the status to correctly reflect that the balance amounts were settled upon ( that we agreed upon a settlement ) and that there is a XXXX balance remaining to be paid and no past due amount. I was directed to 5 different personnel and none of them understood why it showed a XXXX balance owed in the system but is incorrectly being reported on my credit report. I was transferred numerous times. The last person I spoke with told me to file a complaint and show my XXXX forms that show the cancellation of debt in the complaint.
Product: Payday loan, title loan, personal loan, or advance loan

The car dealer ship put a job I havent worked in years on the loan so I could get Approved for the loan which is illegal and I had to put XXXX down on the car and charged me 17 % interest on the car and the car didnt have A/c engine is bad and all type of other problems which I was telling them and they couldnt fix it because the dealer ship doesnt work with jeeps.
Product: Mortgage

Went through tortuous modification process. Ended with offer costing $ XXXX+ more than I already owe.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I went into a PNC branch in XXXX XXXXXXXX, PA to get a personal loan for debt consolidation. I personally was denied, which I expected, and due to the loan being a co-borrower loan, was told to come back with them and redo the application. 

When I came back I got a different employee and was told that there is no difference between a co-signer and a co-borrower loan. 

Because in this employee and branch managers mind, that there is no difference between these terms, they dont enter the information in in the correct order for their system. 

The first employee knew I needed to go second on the application ( EVEN THOUGH THIS IS A JOINT CREDIT APPLICATION for monthly responsibilities not just co-signed in case of default ) because PNC advises in this branch at least, there is no difference between these types of loans, which is factually not true, the application needs to be structured like a co-signer loan with the bad credit last. 

So a lack of basic financial knowledge from employees and the branch manager is causing people to not get loans they qualify for, and teaching uneducated consumers dangerous financial lies that there is no difference between co-signer and co-borrower. 

I dont care thst I didnt get the loan, its PNCs loss, but after being denied the loan due to them not understanding their system and basic financial terms they then suggested that Im pre-selected for a credit card while Im there for debt consolidation. 

So I question the intent of the denial and the legality of giving false financial advise as an accredited financial institution. 

Theyre structuring an application under one set of rules and handing you paperwork for another to mitigate their loan risks.
Product: Credit card

In XXXX, I changed employment and called American Express to cancel a business card associated with my social security number that I was obligated to pay. The employee I spoke with at American Express convinced me not to cancel the card, but rather to " freeze '' the card, assuring me no future charges could ever be made against that card. In XXXX, I get a notification that charge for {$1000.00} was posted to my " frozen '' credit card. I called American Express customer service to inquire how a charge could be posted to my account after it had been frozen. They told me cards can not be frozen and that I would be responsible for the charge despite them having told me that no charges could be made on the card. Their supervisor even went so far as to say they may not be able to retrieve the recorded phone call wherein American Express communicated that the card would be frozen and no future charges could be made against the card - convenient. It appears to me that American Express is trying to retain customers at the customers expense and against the customer 's wishes.
Product: Debt collection

# XXXX Is the number to another complaint with you, this complaint is the same company with a claim from the same banks in two different states and cities, one in XXXX XXXX, another Florida, lie, complaining I refuse a summons to appear, never was told or mail or communications, therefore to get a judgment against me, violating my civil rights, they have did this several times, now what they claim has rocket to, what was a fraud amount was a few {$100.00}, too more than a {$1000.00}, with over over 5000 robocalls over 6 years even though they been investigated by XXXX  as being fraudulent, and delete the information brought my credit back to good standings, they, Midland LLC, brought this fraudulent account even though it was close, they knew it fraudulent, this is not a charge off, XXXX  investigates, this is fraudulent information, clear my name, yet Midland have kept taking me to court without no summons, this amount has increased to the Thousands over the 6 or more years, I have try to report to police, they dont have time or manpower, lawyer want money up front Im a senior, but not weak or stupid, and over the same complaint, fraudulent misinformation, the government dont care because, how do you expect for the company to tell the truth, when they the ones committed the fraud, using two banks, telling lies in court to get more than a {$1000.00} from a {$100.00} account, anybody can get lies from XXXX, acknowledging they cant verify nothing, yet companies use their information against consumers, I did my research. These companies knew most people cant afford a attorney, people look what is happening to me ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED TRANS UNION XX/XX/XXXX AND XX/XX/XXXX IN REGARDS TO THE HARD INQUIRIES ON MY CREDIT AND STATED OUT OF THE 12 I ONLY AUTHORIZED 1, I WAS TOLD I HAD TO SEND OUT A LETTER THAT I HAVE ALREADY DONE IN REGARDS TO THESE CREDIT INQUIRIES ON XX/XX/XXXX I CALLED BACK AND STATED I BELIEVE I WAS A VICTIM OF AN INQUIRY ISSUE AND THE REPRESENTATIVE ASKED WHAT INQUIRIES AND I STATED ALL OF THEM EXCEPT ONE AND HE STATED ITS NOTHING HE CAN DO THE REPRESENTATIVE BEGAN TO GET VERY RUDE AND OBNOXIOUS WITH ME I TOLD HIM TO HAVE A GREAT DAY AND I ENDED THE CALL. 
1. XXXX XX/XX/XXXX AND XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4.  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX   XX/XX/XXXX 11. XXXX  XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I had two accounts one a secured card with a {$250.00} credit limit this card had three returns from my bank, and two payments that was 30 days late. The rest of my payments on this account was paid on the due date or before and I always pay extra. My second card was a Quicksilver card with a {$500.00} credit limit. This account has only had one payment that was 2 days past my due date. Before I received my first statement for my Quicksilver card I was turned into the fraud department. I was told that due to my missed payments I needed to show proof from the bank that this was not my fault. My bank faxed in the documentation showing that it was the banks fault and the bank corrected those payments within days of being rejected. I then received a phone call from the executive office stating thank you for sending in the documentation that we have asked for after review of your account it has been determined that your account will be reactivated this was 7 months ago. Every time I call I have been told that I have to have the bank re fax the documentation and that my account has been closed. Also every time I have called to discuss the situation with Capital One I am advised to apply for a credit card because my payment history shows that I pay on time and more than what is due. I have reapplied as they stated 5 times and every time I get denied. On my credit report it shows both accounts closed by creditor but just this month my Quicksilver credit limit has been raised from {$500.00} to {$750.00}. I have all of my statements showing my payments that was made with the amounts and the dates that I paid my bill. I no longer Bank with XXXX XXXX who is at fault for the three rejected but corrected transactions. I have asked several times to have them look into this situation. I do n't understand why Capital One would take the time to call me and leave me a message stating that my account would be reactivated if they never intended to unrestrict my account. As well as trying to understand what it is that I did wrong, not only does this look bad on my credit showing closed by creditor but it also makes me look bad in the eyes of the company. When it was already proven that I was not at fault for the banks rejection for possible duplicates.
Product: Checking or savings account

Wells Fargo was charging excessive overdraft fees and would not communicate the issue nor allowed me to fix my issue charging my account even if I repaid my negative balance they still charged the overdraft fees. Which led me to closing my account
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Debt collection

Wells Fargo Debt collection ( XXXX ) has been harassing me!! They call me during the week as well as nights and weekends. They have called me on Saturdays and Sunday BACK TO BACK. I have a recently started to collect a call log of every time they called me. They have called me many times before I started to take a log, but unfortunately I have no proof of past calls : ( I feel harassed and disturbed!! I literally had to use an app to block there calls as they would call SO OFTEN!!! XX/XX/XXXX : XXXX PM, XXXX pm and again at XXXX PM, XX/XX/XXXX:XXXX, XXXX PM XX/XX/XXXX : XXXX PM and again at XXXX pm XXXX pm and again at XXXX XXXX PM XX/XX/XXXX XXXX PM and then again at XXXX PM XX/XX/XXXX XXXX am and then again at XXXX am\ and then back to back at XXXX PM XX/XX/XXXX : XXXX am ( 2 times ) XXXX ( 2times ) XXXX PM ( 2 times ) and XXXX PM ( 2 times ) XX/XX/XXXX XXXX ( 2 times ) XX/XX/XXXX XXXX ( 2 times ) Today ( XX/XX/XXXX ) I called this number from Wells Fargo XXXX and spoke to someone to tell them I want to cancel my credit card and they transferred me unbeknownst to this number # XXXX and when I tried to make a payment arrangement the lady on the phone told me since my account is past due I have to make a minimum payment of {$220.00} to " stop the phone calls '' I confronted her about these long list of harassing calls and she did not even apologize for harassing me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX my FICO score dropped from XXXX to XXXX with out any intelligent reason. I am one of the few people that continue to pay my bills on time during this pandemic. My credit is stellar. I have over XXXX in liquid assets. Playing with credit scores is a criminal act. Please get your act together or I will be filing a civil lawsuit.
Product: Credit reporting

Experian refuses to provide me a copy of my Annual Credit Report and/or a copy of a credit report when denied credit. This is an ongoing issue with them ... sometimes they follow the law and provide it to me and other times they do n't. This is the XXXX time they are requesting a copy of my Driver License. Why??? Nothing has changed since the last time. They are purposely depriving me of my Annual Credit Report under United States law and they need to be made to follow the law like every other citizen and business operating in our country.
Product: Credit reporting or other personal consumer reports

Despite many efforts and diligent follow-up, the inaccuracies persist, posing a severe threat to my financial well-being and personal security. I initially reported instances of fraud previously, providing comprehensive documentation, including affidavits, police reports, and other necessary information. Since then, I have consistently followed your prescribed dispute resolution procedures, yet the fraudulent entries continue to mar my credit history. I have fulfilled all requirements, adhered to the appropriate dispute procedures, and communicated extensively with your representatives. However, the resolution of these fraudulent entries has not been achieved despite multiple attempts. I demand an immediate and thorough investigation into these matters. I expect the prompt removal of all fraudulent items from my credit report and a comprehensive update reflecting accurate and verified information. These fraudulent items not only compromise my creditworthiness but also expose me to potential financial and identity-related risks. I am asking for your assistance to remove these fraudulent items in my credit file : 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
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Student loan

The loans amount I currently owe is in excess. I wrote to XXXX XXXX about tthe problems with my loans, and the lack of forms that were supposedly signed aka promissory note. I did not receive any promissory notes. Also, I was suppose to be refunded by XXXX XXXX ; 's and the other schools for lack of justification for the amount which is currently showing on my credit report. I have been charged un-farily and as a result, I had to seek private loans to pay for my XXXX degree. I wrote to them about this issue about 6 years ago and nothing was resolved or done.
Product: Checking or savings account

Capital One 360 closed my account after an interaction with one of their Fraud Reps. They closed.my account with a balance they owed. Then they begin reversing every dispute on my account so that I carry a negative balance instead of them owing me over {$1000.00}.