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

On XX/XX/year> I was alerted by Wells Fargo bank that there had been a fraudulent charge to my debit card of {$10000.00} that I did not authorize. I quickly called Wells Fargo and agreed with them that it was unauthorized and told them it was fraudulent and disputed it using my Wells Fargo online account. They considered it fraudulent I know because they notified me that it was and advised me to destroy my debit card and request a new one immediately which I did. Wells Fargo advised me that it would take up to 10 days to complete the process of returning the funds to my account. Wells Fargo has not reversed the fraudulent transaction and restored my funds to my account. Wells Fargo also advised that they would mail a letter after they have resolved the issue and I have received no communication from Wells Fargo. I have called their customer service and requested to speak with upper level bankers in the fraud department about my case number XXXX and was told that I would receive a call back from the Wells Fargo agent that is assigned to my case with the above case number and that the Wells Fargo agent would call me back in 24 to 48 hours and they did not call me back. The supposed company that fraudulently removed the funds without my authorization is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX and their phone number is XXXX. I have tried calling this phone number with no response by a person and the automated system leads to nothing useful.
Product: Credit card

I have a positive account and the credit card company is not reporting it to the other XXXX credit bureaus
Product: Credit card or prepaid card

I have been dealing with this for over a year and I paid {$69.00} for an XXXX order that only cost {$83.00}. I returned this car part back to XXXX, yet klarna never wanted to refund me, after numerous amounts of calls to them they still turn around and send me the credit bureau lying saying that I never paid these {$69.00} that they never would correct, they sent me to the credit bureau fraudulently, because it shows on my payments that I have paid, but they never would correct it just recently they charged me a {$7.00} late fee then they sent me to the credit bureau when they are the one who would not correct this and I sent the item back to XXXX... haven't allowed me to use klarna since XX/XX/XXXX... and still haven't contacted me after over 100 calls to klarna ... also back on XX/XX/XXXX a supervisor contacted my email stating I do not have to pay anything as you can see from the screenshot they still never corrected this and still sent me to the credit agency
Product: Credit reporting, credit repair services, or other personal consumer reports

they never sent validation letter certified mail, you need tracking numbers i have it plus receipt i can provide upon request. and no personal interviews was done plus they only said verified as accurate and it has been over 30 days and never mark it being disputed when i sent in the request. where i never gave written permission to these accounts and i only have one address that is on my id not ot any other address and no permission giving. i beleive they are not following rules being fair and understanding of the law. it like they skipped a chapter. 

all the inquiries are still on there its not factual as they say they never shown my signature in any case remove and also the accounts i provided in docs. 

They did not do any proper investigation based on 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

According to : 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. so far nothing has changed and they keep saying verified but did not do it because they did then this complaint would not be here right now which has been emotional due to the whole process and now this takes more time too. 

XXXX and other keep saying verified and accurate with no changes made. They said they looked it up but didn't do personal interviews and said this is factual information is allowed that was not properly verified. my response was if so who did their personal interview and how come you violated my rights. So far no changes have been made. Thank you XXXX CFPB for looking into this. 


please follow up with this usa cfpb
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/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
Product: Debt collection

XXXX of XXXX sold me a lemon vehicle and it hasnt worked at all. I had the car pulled back to them, where they were supposed to work on it .. nothing was done. The finance company its with is Barnhall Financial. Since I had the car for 8 months, Ive paid on time, had no problems with paying. Even though the car wasnt working, I STILL paid. XXXX payment wasnt submitted and I have started to receive phone calls every day harassing me and calling me frequently. Ive been receiving threatening calls and everyone has been called where this company is telling my situation to them, which I can sue for. This company told my job what the situation is, this company called me on today and the woman I spoke with told me I may as well borrow the money or whatever I need to do because she needs a payment and she will call whoever she pleases because shes going to get a payment. I want these harassing phone calls to stop! This company is not a good company and they are very rude and XXXX!!!! The XXXX slurs Ive heard on these calls have been ridiculous.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX is reporting inaccurate accounts on my commercial lending report. A derogatory account reporting from XXXX XXXX is paid in full and in good standing. I have furnished Equifax XXXX XXXX with documentation directly from the creditor to verify the account isn't past due or negative, however, the information still has not been updated on my account. This error is causing me to be declined for receiving lending from other creditors.
Product: Checking or savings account

On XXXX I spoke to my private client representative XXXX at chase in XXXX. I told her I wanted to close my safe deposit box because they were going to charge me {$93.00} on XX/XX/XXXX. I told her I would be out of town and couldnt get there until XX/XX/XXXX. She said that wouldnt be a problem. On XX/XX/XXXX I went to chase and closed the box. After the box was closed she said they withdrew the money and she would have to file a complaint for me to get it back. The complaint department said its against policy to refund the money. So now I have no box and they took {$93.00} out of my account. The rental fee wouldve paid for the box until XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new

credit. I demand that you remove the inquiry immediately. XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I disputed multiple fraudulent charges from a merchant called XXXX. Someone had used my digital card number and I had to get a new one. There were multiple charges {$130.00}, {$550.00}, {$840.00}, {$1100.00}. The only charges that got approved were {$550.00} and {$1100.00}. Apple Card Goldman Sachs refused to credit my account for the {$840.00} and {$130.00} despite them being the same charges from the same day and merchant. I appealed the decisions and on XX/XX/XXXX I was told that the merchant already gave me a credit and that I authorized one of the charges. This is not true. On XX/XX/XXXX, I have message evidence to prove I requested the evidence documentation. As of XX/XX/XXXX, they never provided me with the merchant documentation. They are making claims without providing any proof of them. They are charging me for fraudulent charges even though I didnt authorize them and I have provided evidence that it was not authorized.
Product: Debt collection

XX/XX/2018 ; XX/XX/2018 ; XX/XX/2018 Hi my name is XXXX XXXX. My place of employment was contacted by phone number XXXX by a person named XXXX XXXX. Repeatedly trying to get in contact with me about a possible debt which I do not have any knowledge or written notification of ...
Product: Credit card

XXXX XXXX accepted my credit during the holiday season and I opened a credit card with them. 

I paid my credit card on time and the card was current. 

They closed the card because they " re-reviewed '' my application 6 months later and decided to close my account. 

My credit had actually been higher, and by them closing it for no real reason they now lowered my credit score.
Product: Credit card or prepaid card

I will cancel this card after it is finally paid off which is what I was doing and never open it again. I will also advise others to be very wary when thinking about opening an account. We had an account once before and didnt have one problem, even paid the balance off every month with no problem so we didnt give opening an account again a second thought. I was never told or sent emails to pay off part of it by a certain date to avoid an extremely large amount of money. My balance was going down and now it just went back up. Had I known, I would have paid it. 

When I tried to chat about it, I kept getting we apologize for the delay, the form must be filled out again, with no response. Finally got someone on the phone who basically told me oh well, our hands are tied and nothing can be done. Then tried to tell me I was receiving emails about promotions ending when they ARE NOT in my inbox. Its sad because they know there is no way to prove it and are preying off thousands of people in the same way. I was actually told if I contacted them sooner something could have been done. That was must definitely a lie as I tried to contact them several times through their text messages and got no where. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so this is just an amazing add on to our medical payments. 

This company is nothing but crooks and liars. Your customer service representatives are just as horrible and inconsiderate apparently told to lie to the customers and make us feel stupid and ashamed.
Product: Debt collection

Woke up today and seen Nation Credit systems on my credit report. I never received any type of communication from them. No email or letter has been sent to me about this communication. Also this debt has been impounded by order of court. And the balance is also incorrect. I have proof of everything. I do not owe this debt at all. It was impounded by the court. Legal definition of impoundment of the court is that this information was to be sealed. It sealed by the court. The court is legally over National Credit Systems. I also just called and National credit systems is trying to illegally obtain money I do not owe. When trying to speak to them and explain to them one representative named XXXX told me that she has no clue what impound means and that I would need a lawyer and then hung up. They have violated my rights as a consumer. I have the right to dispute but they have taken that right from me by placing this on my credit report without me given a chance to dispute. Files will uploaded stating it has been impounded by court order. Also you will see its checked that by agreement the court having made no actual foundings. Bill Status of HB2299 is what states that this information was to have not been sold to any third party collector or debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company and XXXX XXXX XXXXXXXX have argued and yet to fix the problem. XXXX XXXX XXXX has not updated my payment history since XX/XX/2020 and I continue to call daily and they continue to tell the bureaus there is no problem. There is a high balance of {$7600.00} when the credit limit is {$1500.00}. The payment history shows I have paid {$0.00} every month which is absolutely not true.
Product: Vehicle loan or lease

Applied to CARVANA to further extend my credit to purchase a used XXXX XXXX XXXX XXXX XX/XX/XXXX they are requesting a down payment of {$10000.00}, pursuant to 15 U.S. Code 1662 the down payment the company is requesting is not required unless the creditor agrees to that amount, which I disagree with putting down any amount. CARVANA is civilly, and Criminally Liable for willingly issuing violations/ Failing to disclose accurate information operating under TILA. The Finance charge is the sum of all charges, it does not include a type of payable cash transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires are fraud and FTC report attached, police report on file and ID attached. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX see FTC report
Product: Credit reporting or other personal consumer reports

BANK OF AMERIKA fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). BANK OF AMERICA is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

After getting a copy of my report that I ordered a credit report with XXXX XX/XX/2022, I called Experian since I saw some UNVERIFIABLE accounts on my personal profile. I discovered that there were CHARGE OFF and MULTIPLE LATE PAYMENT accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing a fraud account on my credit report all this time on my personal profile but still youre not taking any action. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX, XXXX, XXXX ). I have never with these accounts listed below, so please help me remove these charge off and multiple late payment accounts from my personal profile. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

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

ONCE AGAIN I HAVE ASK XXXX TO HAVE THESE COMPANYS TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILE I HAVE FILED A POLICE REPORT AN FTC REPORT AND THESE COMPANYS HAVE STILL YET TO PROOF THAT I AM THE PERSON THAT APPLIED FOR THESE ACCOUNTS THEY NEED TO BE REMOVE ASAP.
Product: Debt collection

I started looking in to buying a house last year, pulled my credit, found this Stellar Rec on there, called, payed them, and it did n't get removed from my credit report, it was pain in full XXXX. Please help me get it deleted.
Product: Debt collection

XXXX XXXX XXXX XXXX  WILL NOT STOP CALLING. 
I HAVE INFORMED THEM THEY HAVE THE WRONG NUMBER. 
CALLERS ASK FOR XXXX AND PROCEED TO ASK ME TO PAY A DEBT TO FLAGSTAR BANK.
Product: Credit card or prepaid card

First, this is a closed account and have been closed for years. 
I paid the full balance off onXX/XX/XXXX w/ a transaction date of XX/XX/2020 This paid the full balance according to their system. There was no mention of a late charge on this day. If my transaction was not effective until XX/XX/2020 there should have been a late charge already included in my balance. Per the credit card statement I received it stated the late charge was placed onXX/XX/2020 for {$25.00} w/ an interest fee of {$2.00} which bring the total to {$27.00} all interest and fees. Also according to my statement it states I have a transaction date of XX/XX/2020. I called and spoke with Account Specialist Manager XX/XX/XXXXemployee id XXXX and XXXX ( customer service rep ). I ask the specialist to waive these charges as they can clearly see this account was paid off and the charge was placed a day before. He stated he can't waive this fee. I advised him, he can but choose not to. I definitely feel during these difficult times for anyone to pay off a loan is a plus. I am being charge a fee with an interest charge for no balance. This is totally unfair lending and I want to know how many late fees Comenity have waived for other customers? This is an example of unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX AZ 4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 8. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  AZ XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 13. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX 14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX 16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 17. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX XXXX
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 ). Specifically, 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Portfolio Recovery Associates, XXXX XXXX XXXX, Virginia XXXX XXXXXX/XX/2015 my XXXX XXXX account was seized and all my funds were taking up to {$900.00}. I checked my online banking and seen where XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX had taking all my funds. So, went to my locate branch and i was dumbfounded of what was going on. So, i called the attorney office they advice i was being sued by pra collections. after two weeks i recieved papers from XXXX XXXX where they had seized my accts and why. so, i went to my located court house to set a complaint and set a court date. well, my court date arrive and the judge stated i could n't get my funds back. this credit card i had when i first went to college. i was young and but this was i how survived. well after court the judge state i make a settlement with pra collectons. i called the attorney office and the no longer had the acct so i called pra collections they told me to call the attorney office bc they could n't speak with me about the matter. it was in the legal dept hands. so i was giving the run around. i want a lawsuit against pra for not informing me and the false information gaiving to me and the stress they have cause