23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I closed my Wayfair account. Wayfair acknowledged this by letter. Please see attached document. In Wayfairs XX/XX/XXXX letter to me they said, You have been unsubscribed from all marketing communications and your account removed. 
On XX/XX/XXXX I received a promotional offer from Wayfair. Please see attached document referencing my closed account. I wrote Wayfair about the offer and questioned them as to why I had received it. Please see my attached letter dated XX/XX/XXXX. 
On XX/XX/XXXX I received a reply to my XXXX XXXX letter in which Wayfair states : In order to assist you or to complete the processing of your request, we need to speak with you at your earliest convenience. I am uncomfortable with Wayfairs request, as I am sure they will want personal information that I will not provide to them. I do not trust Wayfair due to their past affiliation with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX Experian : XXXX days ago I was hung up on by an entity that clearly could not speak XXXX. This entity did not follow through with my requests to be able to help me with verifying me or my information. 
Today, XXXX. It was excruciatingly difficult getting someone on the phone. 
When I finally did, I found out that Experian has some wrong information on my account. After this I could not get Experian to comply with my request for a supervisor. NOR could I verify that I was actually speaking with an Experian agent. 
AFTER I was alarmed & incensed with the difficulty I had TRYING to comminicate with the agent, they then told me they could not help me any further until an email was sent to me which XXXX ( XXXX ) hours later, I still do not have! 

For something as important as one 's credit information and making sure there is no fraud relating & connected to my account information. The agents should speak XXXX WELL, OR, give me the option to transfer me to someone WHO can clearly UNDERSTAND WHAT I AM SAYING as it relates to something THIS IMPORTANT!! 
This is egregious! This is sub-standard. This is inept & UN-acceptable!
Product: Credit reporting or other personal consumer reports

I requested a XXXX from XXXX XXXX bank after my account was closed and charged off XX/XX/scrub>XXXX

I received no response from XXXX XXXX bank directly. 
I later received documents threatening to sue me in XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and XXXX XXXX ( XXXX ). 
This account has been charged off/written off by XXXX XXXXXXXX XXXX XXXX 
All three Credit Bureaus ( Equifax, XXXX, XXXX ) are each reporting an open balance on my credit report. 
Each time I call Captial XXXX, I'm directed to XXXX, I spoke with XXXX XXXX who's overseeing this particular account. 
I, Too, have asked XXXX XXXX for the XXXX form. 
As well as Validation of debt under title XXXX XXXX XXXX XXXX. 
I want to see the chain of title that they have to collect on this debt. 
Proof that the statute of Limitations has not expired. 
Proof that they're licensed to collect in the state of New Jersey, and their license number and reregistration agent. 
Also, has there been any insurance claim found on this debt payment?
Product: Debt collection

I receive multiple calls from Capital Management Services , LP regarding an alleged debt owed to XXXX, in the amount of {$2000.00}. I made multiple attempts to set up an online account to set up a payment arrangement but it never worked. I called the agency the reps do not really know what is going on. I wrote them on XXXX XXXX, 2025 and requested complete verification of the debt, including documentation showing that this debt is actually mine, not just my name and an account number. As of today, XX/XX/XXXX/25 the only thing they sent me was settlement offer for {$860.00} which is a common tactic when they can't verify a debt. I want to file a complaint and need help to have this removed from my credit report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter certified to XXXX, Experian, and XXXX disputing similar incorrect and unverified item on my report. I requested the signed application that the creditor is saying I signed. It has been over 30 days and XXXX, Experian, and XXXX  have violated the FCRA by : Failing to notify a creditor that I disputed the inquiry that it has been reported Failing to notify a creditor that I disputed the validity of the account Failing to conduct a reasonable investigation of my pending disputes Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute, and failing to provide proof of verification.
Product: Credit reporting or other personal consumer reports

I was informed on XXXX 's recorded line that if I paid {$100.00} towards my XXXX XXXX, it would fully satisfy the remaining balance, and no further payments would be required, resulting in the closure of the account. Despite being informed on XXXX 's recorded line that a {$100.00} payment would fully satisfy the remaining balance and close my account, XXXX has failed to uphold this agreement. Instead, they have added the balance to my credit report and sent it to collections. I contacted the collection agency, and they stated that only XXXX could resolve this issue. However, my attempts to reach XXXX have gone unanswered. I am requesting the immediate removal of this inaccurate debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were pre-qualified for a car loan with XXXX XXXX. We took the letter to the dealership as told. The dealership ran our credit with other finance companies without XXXX signing approval for that. I ask the dealership why they didn't use the XXXX XXXX and he replied that XXXX XXXX did not approve us. I found out XXXX XXXX did approve us, but we needed to get more for our trade in then what the dealership were offering. I requested for the inquires to be removed from the finance companies since they have no signatures. Still on our credit report. Also, XXXX XXXX and Carmax running ads, get pre-qualify with no impact to your credit and they also have hard inquires on my report. 

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

company 's refused to be in compliance with the XXXX XXXX law - regarding the right to opt out of reporting personal no public information
Product: Credit reporting or other personal consumer reports

Ive tried contacting this company several times through Mail and also CFPB and nothing gets rectified. They say theyve done a full investigation and the same numbers keep getting put back on my Credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Checking or savings account

I was called by Wells Fargo supposed XXXX XXXX XXXX, They asked me if I would ID myself with my account number and social security number the whole number, I would give it because they called me on my cell number, I got in trouble giving my account number and ss number, The person at the bank was rude, I just them XXXX pages with double sided with my account number and she did not mention that .I sent it to XXXX XXXX I getting tired of sending more paper work they dont read it. I lost {$450000.00} and weas sent to a scammers
Product: Credit reporting or other personal consumer reports

There are some unauthorized Inquiries and one fraudulent account on my TransUnion Credit File, which I am disputing and requesting that these fraudulent and unauthorized items are deleted from my credit report, based on the following letters from the various creditors which stated that they would delete these unauthorized inquiries and account from the credit report. Please remove immediately, Per 15 USC 1681b ( c ), HJR 192 of 1933, and 18 U.S.C. 1028A. Violation of these statues will result in litigation seeking {$1000.00} per occurrence. The XXXX Fraudulent Account is : XXXX XXXX XXXX UNKNOWN- Date Opened : XX/XX/XXXX. The following inquiries are unauthorized : XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX- Inquiry Date : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was ran without my consent or by someone pretending to be me. 
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, credit repair services, or other personal consumer reports

I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my Trans Union report please remove / delete the the following : ( 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

I was shocked to find inaccurate accounts on my credit report this morning, and I have no clue how they got there. When I checked my report as I usually do, I was taken aback by the discrepancies that suddenly appeared. I even refreshed my browser, hoping it was just a glitch, but the errors remained. Because of this, Im urgently requesting a thorough review of the documents Ive sent, so I can put this issue behind me once and for all.
Product: Checking or savings account

On XX/XX/2019, I received a letter from Citi informing me that both my Checking and Savings account will be closed, as of XX/XX/2019. 

Citi did not share any reasons for the closure and did not allow me to provide any additional information to resolve any concerns and keep the account open. 

For as long as both accounts were open, they have been current and in good standing. I can not imagine why Citi would choose to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have failed to respond to my dispute letters and claimed that the disputed erroneous accounts are verified. Despite the countless dispute letters as well as CFPB complaints, the Credit Bureaus have failed to properly investigate the accounts and they decided to continue their erroneous reporting. I have read that under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB customer care With XXXX XXXX XXXX  credit card account number XXXX I requested that my funds were going towards my mother medical bills during XXXX and also during pandemic XXXX my grandmother died and I have to cover funeral cost, hence i opted thier financial plan for few months I have covered most of them and even after requesting late payments were reported these accounts in the TRANSUNION CREDIT report and even closed my credit card account as well. I requested XXXX XXXX XXXX XXXX during XXXX and XXXX via many good will letters to remove late payments as well reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks Account closed by grantor '' on TRANSUNION CREDIT reports as well late payments reported in TRANSUNION CREDIT reports associated with these XXXX XXXX XXXX  credit card account .please consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation. 

And to add previously I have submitted compliant XXXX with cfpb and they said it is resolved but still my credit report shows same remark, could you please remove that remark
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues since Wednesday, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws. and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has re-inserted deleted information back onto my credit report. I have tried to re-dispute this information off my report, however Experian will not re-investigate. The following accounts need to be removed as they previously were : 1. XXXX XXXX XXXX # XXXX Payment never late. 
2. XXXX  XXXX XXXX. # XXXX- Fraudulent Account 3. XXXX XXXX of XXXX # XXXX- Fraudulent account 4. XXXX XXXX   XXXX XXXX. # XXXX- Fraudulent account 5. XXXX XXXX XXXX. # XXXX- Fraudulent Account
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in multiple of letters to XXXX, Equifax XXXX XXXX to dispute all incorrect address from my credit report. I also sent them a updated Address, phone number & Job for me
Product: Money transfer, virtual currency, or money service

Today XX/XX/year> I recieved an email from venmo saying that they will unfreeze my account once I reset my password and emailed them back which I did and they took the red words off my account saying that it was suspended but when I tried to use my account to send my husband {$4000.00} to go towards our rent and bills which is the same amount I sent last to him when my account got frozen but this time when I tried to send him money a message popped kept popping up this account is suspended then I recieved an email saying that they decided to deactivate my account permanently and that I have to wait 180 days to get my money which is not right because I never violated their policy I really need my money so that me and my husband can pay our rent and bills I can't wait no 180 days and what's crazy is venmo team members were responding through email then stopped after I got the deactivation email and so I called their customer service number and got no help and was told to wait a couple of days why when I need my money and it's being unfairly withheld from me like I'm doing something wrong and I'm just using the venmo app to send money to my husband which is considered family isn't that what the app was created for to send money to friends and family
Product: Credit reporting, credit repair services, or other personal consumer reports

someone put a car in my name and i showed police reports to get it removed and all of the credit bereau has removed them except one equifax and when i contacted them even tho its pass 10years they said they have to remove it when it was reported to them which would be XX/XX/2022 2022
Product: Debt collection

I messaged the company and they refused to confirm the debt. I have proof in text messages and will be contacting the Attorney Generals Office if this matter isn't solved. I was told I owe {$340.00} from a utility company. I've never heard of this company and never signed any documents for them. This debt collector is being rude and not helpful at all. Not sure if they are a scam or what but I need to see proof of this and where it came from before I pursue more actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights
Product: Credit reporting or other personal consumer reports

XXXX of XXXX I purchased a vehicle from America 's Car-Mart and received a loan through Colonial Auto Finance . Car-Mart has continuously lied, deceived and tricked me regarding repairs of my vehicle. I had enough of it it on XX/XX/XXXX and communicated with a lawyer to submit my Revocation of Acceptance due to the fraudulent nature of their behavior. 

Despite this, they continued to report to the credit bureaus that I missed payments, in turn hurting my credit score by XXXX  points or more. The case with Car-Mart is in litigation, and has been since XX/XX/XXXX, and due to my revocation, there should never have been any reports against me made by Colonial or Car-Mart.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Request to Update Credit Report XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to request your assistance in correcting an inaccurate report from Portfolio Recovery XXXX XXXX XXXX on my credit file. The account in question pertains to a debt purchased by XXXX XXXX XXXX from XXXX XXXX XXXX. and currently reflects a negative status, which does not accurately represent my current payment arrangement. 

The details of the account are as follows : Account Number : [ XXXX ] Original Creditor : XXXX XXXX XXXX. 
Balance : {$380.00} Payment Plan : Active ( with XXXX payments remaining as of XX/XX/year> ) Next Payment Due : XX/XX/year> As the attached documents demonstrate, I have entered into an active and agreed-upon payment plan with Portfolio Recovery XXXX XXXX XXXX this debt. I have been making timely payments according to the schedule, as evidenced by the confirmation of my most recent payment made on XX/XX/year>. 

Despite this, the account is still being reported as a negative collection account, which is unfair and inaccurate. The status of this debt should be updated to reflect the active payment arrangement and my continued adherence to it. Therefore, I am requesting the XXXX XXXX XXXX XXXX intervention to have XXXX XXXX XXXX correct this reporting and ensure that the information reflects the positive status of my ongoing payment plan. 

Please ensure that the updated information is reflected with all three major credit bureaus : Equifax, XXXX, and XXXX. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that the necessary corrections have been made. 

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

After review of my credit report, I discovered numerous Hard Inquiries that I never authorized.
Product: Checking or savings account

Bank of America representative XXXX XXXX ID XXXX responded to my request for why the check was sent late and by paper by wanting to send me to a website that talks about online banking and paper checks versus electronic checks. The complaint I have with Bank of America is they sent a paper check # XXXX in the amount of XXXX to XXXX XXXX to pay my credit card bill due XX/XX/year>. Which is late and I incurred a late fee in addition to this being reported to the three credit agencies as a late payment. They sent an electronic payment to XXXXXXXX XXXX XXXX on XX/XX/year> in the amount of XXXX which was received timely. i have received no apology and no reimbursement of the late fee as they stated they would do for sending the check late. How can we trust a financial institution like Bank of America to be a fiduciary of your funds and make timely payments with an online banking system managed by them. I could have clearly used a paper check and made sure this was mailed timely and received by XXXX XXXX XXXX timely. This is nothing less than a breach of fiduciary duty!
Product: Checking or savings account

I have a personal certificate of deposit with Bank of America which I opened as a security for a business cash rewards credit card. I closed this credit card over the phone about 3 weeks back, and requested to remove hold on the CD, and send me the funds by check. The card was closed, but the hold was not removed from the CD. Here, I must mention that the business credit card had a corporate account linked to it ( any Bank of America business card has one I believe, and you can only make payments to the corporate account ) and that has XXXX balance since I paid it off before requesting closure. For some reason, the card itself shows {$3.00} balance. ( I've had this happen before, even after paying off the corporate account, the card balance doesn't always reflect it properly ) Anyway, it's clear the card is closed and there's no balance due on the account. Yet Bank of America is not releasing the CD. I called back on XXXX, and again requested to remove the hold, and I was expressly told it would be done in 48 hours. I called again today, and there is still a hold on the CD. I guess I don't know how to get you to close the CD at this point. Whenever I call you, I have to spend close to an hour on the phone even as the representatives have to transfer me from the CD department to the business card department and back. Could you please remove hold on the CD, close it and send me the funds? That is my sincere request, though I have zero idea about why I have to put in so many requests to access my own money. I have to mention here a similar experience I had when I was opening the CD. After I applied online, the application was never acted upon until about a month later, when I filed a complaint with the CFPB, whence it was opened in 2 days. It still led to an additional hard pull on my credit to open the business card after that since a month had passed since I applied, the delay caused only because you didn't act on my CD application. It seems like going forward, if I have any requests with Bank of America, I should never contact you at all, but directly file a CFPB complaint as that is the only way to get results.