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

I called Citibank on XX/XX/2020 to try stop my automatic transfer from checking to savings account. I was put on hold for 30 minutes rep said he was going to be right back and got transferred to another agent. I already went through the verification already with first agent so I asked to supervisor regarding the matter he gets attitude saying I dont know how to do it on mobile app. I explained to him I have XXXX he gets attitude. I told him I am reporting you guys to cfpb and he hangs the phone up on me.
Product: Checking or savings account

Wells Fargo Online <alerts@notify.wellsfargo.com> To : XXXX XX/XX/2019 at XXXX XXXX Wells Fargo logo Your available balance has reached or dropped below XXXX The available balance for your account NON has reached or dropped below XXXX dollars. 
Ending Balance - {$470.00} Available balance - {$470.00} This information is accurate as of XX/XX/2019 XXXX XXXX Mountain Time. For your most current balance and more account details, sign on and select your account. 
To quickly and easily move money between your Wells Fargo accounts or between your Wells Fargo accounts and accounts at other institutions, sign on and go to Transfer & Pay. 
If you have questions, Wells Fargo Customer Service is available 24 hours a day, 7 days a week at XXXX, or contact us by secure email. 
wellsfargo.com | Security Center Note about balances : Ending balance reflects transactions that have posted to your account and does not reflect pending deposits or withdrawals. The available balance is an indication of funds that are available to you today ; however, it may not reflect all transactions that you may have initiated or authorized.
Product: Credit reporting or other personal consumer reports

This collection has persistently reappeared on my credit report despite being removed multiple times for non-compliance. Originally dated XX/XX/XXXX, it now erroneously shows as XX/XX/XXXX. This alleged debt, exceeding six years and potentially seven based on the last late payment date, violates FCRA regulations, specifically 605 ( c ) ( 1 ), which limits reporting of debts beyond seven years. Jefferson Capital 's failure to respond to my validation request, despite my inquiry sent on XX/XX/XXXX, also violates FCRA 809 ( b ). I implore an investigation into these blatant FCRA violations and the fraudulent activity associated with this debt.
Product: Debt collection

I called the number provided to settle a debt that was paid off, but the phone number I found was the wrong number for the original company. The person acted like a representative of XXXX, the original debt collector, but they were a scam artist pretending to be with XXXX XXXX XXXX. I gave them my social security number and debit card number, but luckily the card had no funds for them to take. They tried to get me to use a different card, but then I realized they were asking way too much information. When I called the scammer out, he immediately hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX ; XXXX  XX/XX/2021 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Student loan

I consolidated all my student loans with USDE aka XXXX as directed by my college counselor. After I consolidated, XXXX XXXX servicing continued contacting me after I sent proof that I had consolidated, since they would not accept my consolidation with XXXX, we set up a separate repayment agreement with XXXX XXXX. XXXX XXXX then hired Performant Recovery who sent mail, called my cell, called my job 2-3 times everyday where I was eventually fired due to harassing calls. After updating all my info with XXXX and Performant Recovery to establish a new IBR or qualify for a forbearance, Performant Recovery hired XXXX XXXX XXXX XXXX who ruled on a judgement to have my wages garnished where I was not present to defend myself.
Product: Checking or savings account

Hello, I filed a claim against the XXXX for the amount of XXXX with BoA. BoA researched the claim and decided to reverse the XXXX because XXXX claimed they had paid me back my XXXX when they refunded the XXXX. That is indeed untrue because the XXXX was for the initial join fee because the month I joined it was only {$1.00} to join plus the fee which totaled to be XXXX. They then gave you the option to cancel before the 30day period for a full refund and to not be charged for the following month. I cancelled with a XXXX and then my initial join fee of XXXX was refunded. The problem came in when I was still charged the XXXX. I then emailed the XXXX and they were suppose to refund my money.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Equifax credit XXXX agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, a personal loan account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and a cell phone account opened at XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. Date. XXXX XXXX XXXXXXXX XXXX  XXXX. Date. XXXX All three bureaus were to put freeze on my account to where I dont have to worry about things like this. XXXX was only one show importance and respect wishes ask to avoid these things
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to re-investigate 9 accounts on my Experian credit file on XX/XX/2019. I received dispute results dated XX/XX/2019. All 9 accounts were either updated or remained. Per the fair credit reporting act section 1681i 6Biii states ... 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; So, on XX/XX/2019 I asked for detailed explanation on who they verified info with and they verified info. 
On XX/XX/2019 I received a letter saying they are unable to honor my request because it is deemed frivolous .... 
How can they say my request is frivolous when its my right under the FCRA?
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, I called Sears customer Service to ask them about making payment online which was n't due until XXXX XXXX. I spoke with Representative XXXX, whom informed me that I would n't be able to make payment online because I do n't have the credit handy and she said she order new cards for me and I told that yes I would like to order new cards. So after ordering the new cards, I told her that I would like to make payments on my Sears Regular Credit Card Ending in XXXX for {$150.00} to post on XXXX XXXX, XXXX and she went ahead process the payment with confirmation # XXXX and she said everything look good the payment will posted within 24 hours. After making sears regular credit card ending in XXXX, I told XXXX XXXX that I have another Sears Mastercard ending in XXXX and that I would like to make payment on that card for {$100.00} to postdate on XXXX XXXX which was 7 days and the payment were above minimum amount ; which she did and told me that everything look good and the payment will be posted within 24 hours with confirmation # XXXX. On that I made other bills payment which posted to my bank account smoothly with no problems because I was keeping checking my bank account daily. So on XXXX XXXX, when I was looking at my bank and saw that sears cards payment didnt went through I got panicked and called sears customer service ; and ask them to let me speak with their management, and as soon as I spoke with management they told me that my payment did n't clear from my bank, and she said there was a reason. So asked the management for the reason, so they said that the reason my payment didnt clear my bank because my address change which I have n't I havent made any address change since XXXX when I opened my bank account. I have worked in the XXXX XXXX for longtime to know thats completely not true because I have made payment with them before and had no problem with the payment. so she said that theres nothing they can do and its reported to Credit Bureau as late payment. I went ahead made payment on XXXX XXXX on card ending in XXXX for {$160.00} ; and same date on card ending in XXXX for {$120.00}.
Product: Debt collection

Date of wreck occurred on XX/XX/XXXX. The at fault party is insured by XXXX XXXX. The following providers were all satisfactorily paid in full by XXXX XXXX : XXXX, XXXX XXXX XXXX {$1400.00} and {$15000.00}. 
XXXX XXXX {$110.00}. XXXX {$2800.00}. 
XXXX XXXX {$560.00}. 
XXXX XXXX XXXX {$870.00}. 
XXXX XXXX {$68.00}. 
XXXX XXXX XXXX XXXX XXXX {$3200.00}. 
XXXX  of totaled vehicle {$400.00}. 
All of the above providers reached an agreement and settled. Except XXXX XXXX 
They were called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Always giving the full information needed for XXXX XXXX for their claim. XXXX XXXX was unreasonable to work with and turned over to collections.
Product: Debt collection

We have been with XXXX for over a year now of which we bundled our services when we signed up. I have been on auto pay since doing so. I got a notice from Central Credit Services stating I am in collections for {$170.00} with interest accruing. I have made several attempts to contact XXXX XXXX, some could not locate this account, XXXX in Billing said they never linked it to our account and do n't worry about it. I have asked them for a copy of this bill which they will not provide. I have copies of ALL my statements around the time they said the services were due and nothing shows unpaid. If this makes my credit report I will be furious. Today I called the credit company to get a fax number to send them the statements I have and the social does n't match mine. I am wondering if they are making up bills and sending them to collections to get more money in hopes people like me do n't inquire.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TRANSUNION credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  CHILD SUP XXXX Balance Owed : {$36000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of inaccurate information from my credit report. Upon reviewing my credit report, I discovered several discrepancies, including incorrect names and addresses. 

Incorrect Name : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a victim of identity theft in the past, I am deeply concerned about the presence of these inaccuracies on my credit report. I affirm that the name " XXXX XXXX XXXX '' and the addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

I am requesting that Equifax conduct a thorough investigation into these discrepancies and promptly remove the incorrect name and addresses from my credit report. These inaccuracies not only compromise the integrity of my credit profile but also have the potential to adversely impact my financial standing. 

Enclosed with this letter are copies of documents verifying my identity and current address, including a government-issued ID and a recent utility bill. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure the accuracy and completeness of the information contained in my credit report. Therefore, I kindly request that Equifax take immediate action to rectify these errors. 

Please provide written confirmation once the incorrect information has been rectified and removed from my credit report. 

Thank you for your prompt attention to this matter. I anticipate a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill
Product: Credit reporting or other personal consumer reports

This complaint to EQUIFAX for allowing fraudulent inquiries on my credit report and also for continuing to report the inaccurate information on this account listed below. As I checked my recent credit report, the unauthorized hard inquiries are reporting including the inaccurate account on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX, XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request, XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Have written and made several calls to get verification on the debts that's has been placed on my credit reports, There are many inconsistencies on my credit report which have lasting effects for my life. Please Remove these items immediately!. 
Incorrect Addresses Incorrect name or surnames 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: Debt collection

On Friday, XXXX/XXXX/XXXX at XXXX XXXX, I received a call on my cell phone from XXXX. A XXXX XXXX representing/working for XXXX XXXX XXXX informed me that her client was Castle Payday Loans ( now Big Picture Loan XXXX ). I owed {$2000.00} account # XXXX. 
I told XXXX XXXX that I would contact her Monday, XXXX/XXXX/XXXX. 
On Monday, XXXX/XXXX/XXXX at XXXX XXXX I contacted Castle Payday Loans ( now Big Picture Loan ) at XXXX. I spoke to a XXXX who could not answer my questions of who my account # XXXX was turned over to, when, and what was the balance due on the account at that time? Mind you now, Castle Payday Loan still had my account on record. 
I spoke to a supervisor XXXX who informed me that my account was turned over ( I suspect sold ) to XXXX XXXX ( XXXX ) on XXXX/XXXX/XXXX. But, she could n't ( I say she would n't ) tell me the balance that was due on the account at that time. 
I left a voice message on XXXX XXXX voicemail on Monday, XXXX/XXXX/XXXX at XXXX AM PST. 
I female representative for XXXX called my cellphone from a Restricted # at XXXX AM PST on Monday, XXXX/XXXX/XXXX. 
She informed me that my account was turned over ( I suspect sold ) to XXXX XXXX Adjusters. She also claimed that she could n't ( I suspect would n't ) tell me balance due on the account at that time. XXXX XXXX only collects and issues/distributes accounts like mine to different collection companies/agencies/what have you. 
I informed XXXX XXXX XXXX who called me on my cell phone today, Tuesday, XXXX/XXXX/XXXX from XXXX of the actions I 'm going to take to protect myself. 
Is n't there some kind of legislation/statue/law against this type of business practice? 
Please, investigate and advise me? I do n't what to be scammed.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved capital one has violated my consumer rights.i applied for a quick silver credit card that I was invited to apply for and was denied due to my credit worthiness.on XXXX XXXX2022.pursuant to federal laws, adverse actions only applys to employment and /or insurance. Neither of these apply to my application for a credit card. I was denied credit based on my credit report which does not have any determination upon my credit worthiness.capital one has also discriminated against me based on my credit report/scores which again is not determination of my credit worthiness. Other violations of my consumer are outlined in my letter which includes 15 USC 1642, 15 USC 1681 M and 12 CFR 1002.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Date of Inquiries : XX/XX/XXXX Companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX, XXXX Regional Acceptance, XXXX XXXX XXXX XXXX, XXXX, NC XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Vermont, XXXX, XXXX, XXXX XXXX XXXX XXXX hard inquiry done by XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, Texas XXXX, XXXX Dear Sir or Mam : Please be advised that all of the above finance companies did a hard inquiry on my account without my permission. I have drafted a letter asking them to take this off my credit report. After my bankruptcy discharge I received letters from each of them but I did not take any action and apply for any loans for an automobile. Please assist me in getting this taken off my credit. I am trying to rebuild my credit and this is so unfair of these people to drag my credit down again after I tried to make a new start. 

I would be grateful for any assistance you can give me. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Please don't publish my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cfpb This is Proof that Transunion is violating the law they are Not conducting proper investigation see Proof of what I'm taking about On a updated credit report from Transunion but the status update didn't change that is clear proof they didn't contact XXXX because I sent in statements that XXXX had cashed checks on XX/XX/19 I'm really considering filing suit On Transunion. Transunion I'm Going to need from you is every XXXX XXXX transmitt also date and time and date and time chase responded back to you if you are unable to provide this information we are going to consider this as unverifiable account also whatever information you reply back to could and will be used against you in a court of law so you are aware. that you sent them and the also I'm going to exercise my right under the 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and Also the contract with My Sign signature attached Because I don't know what the XXXX you Guys are reporting on my file
Product: Debt collection

I am in rehab for the entire amount of my federal student loans with a collection agency. Another collection agency has garnished my wages. I am not sure if they are included in the rehab or not, but Allied is unwilling to work with me to eliminate the garnishment. They say I must pay an additional amount, every month, in addition to the garnishment and what I am paying on my rehab if I want any relief. I know some relief must be available other than further XXXX my finances, but they have been rude and unwilling to work with me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act convergent Account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to all XXXX of the credit bureaus and even the XXXX XXXX the company. The laws states that all XXXX bureaus have to report accurate information and in this case that is not being done. XXXX has me opening this XXXX account XX/XX/XXXX where XXXX and Equifax have me opening this account XX/XX/XXXX. Right there that is a problem because I couldn't have opened this account on XXXX different days. The even bigger problem for me is that all XXXX bureaus are reporting different dates for me making my last payment. XXXX is reporting my last payment on XX/XX/XXXX, XXXX is reporting my last payment as XX/XX/XXXX and Equifax is reporting XX/XX/XXXX. There is no way possible that all XXXX of these different last payment dates are correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Care Credit indicates that they have charged off an account on my credit report, but aren't accurately reporting.