23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past four months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. Legal Basis for the Complaint : XXXX XXXX XXXX XXXX XXXXXXXX : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. XXXX XXXX XXXX  STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A XXXX XXXX XXXX  CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out to you guys for a solution. 

I submitted a dispute with XXXX about an account that appeared in my collections portions of my credit report. After almost a month of investigation, XXXX came to the conclusion that I indeed am responsible for that account in question. This is not my account. And I need this resolved as its the first collections Ive ever had on my credit report, and its effects will linger for 7 years when its not mine to begin with.
Product: Credit card or prepaid card

On XX/XX/XXXX, Wells Fargo closed my credit card account which I had since the year XXXX. 

The account was current and in perfect standing. 

The only reason they are giving me for closing the account is because of payments that bounced from one of my external accounts " XXXX XXXX XXXX XXXX ''. 

I actually called the bank XX/XX/XXXX to explain that I had mistakenly added an extra XXXX. They said not to worry and lifted the account suspension. To play it safe I went and did a cash payment to the branch. 

The bank RETRIED the withdrawal without me knowing and it bounced again, and they closed my account.
Product: Checking or savings account

On XXXX XXXX 2024, I contacted Key Bank and discussed with a customer service agent named XXXX and an account supervisor named XXXX about my concerns regarding an XXXX XXXX XXXX XXXX  transaction that overdrew my checking account by {$240.00}. This includes the initial amount in dispute of {$160.00} plus overdraft fees. 

I originally notified Key Bank of a banking irregularity from an unscrupulous XXXX  at XXXX XXXX XXXX XXXX on XXXX XX/XX/year>2024, which the bank began processing on XXXX XX/XX/year>2024. Key Bank later denied the original banking dispute, claim number XXXX, and reversed its provisional credit on XXXX XX/XX/year>2024. Key Bank later added overdraft charges to the account. 

During the conversation thr account supervisor, who identified himself as XXXX, stonewalled me and stated the bank would not reinvestigate the situation. He wasted my time and insulted my intelligence with a phony offer that the Fraud Department within Key Bank would initiate a secondary investigation once I uploaded my information into their secure server. I immediately called out XXXX for gaslighting me and stated the XXXX XXXX XXXX XXXX XXXX XXXX twice pulled the money from my checking account and his their unscrupulous to behaviour behind the fee agreement to cover their tracks. 

XXXX XXXX XXXX XXXX presented this cover story during the initial investigation to Key Bank in order to shift both the blame and cost onto me. Since XXXX XXXX XXXX XXXX provides financial services to banks, its representatives can easily convince other financial institutions to drop banking investigations. XXXX XXXX XXXX XXXX operates under the " caveat emptor '' philosophy and refuses to accept any responsibility for unscrupulous XXXX XXXX that take money from their clients. 

Furthermore, a XXXX dynamic presents itself because Key Bank readily sided with XXXX XXXX XXXX XXXX and reversed provisional credit of a XXXX American client. Key Bank refuses to reopen and reinvestigate the issue, and none of its representatives will provide any reason for said refusal. Moreover, Key Bank added on punitive fees in because a XXXX American complained to one financial institution about unsavoury business practices of another. Key Bank also sent an email that threatened to close the account and report it to XXXX in direct retaliation for reporting on XXXX XXXX  XXXX XXXX and demanding that it reinvestigate my earlier claim. Key Bank punished me financially for calling out XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX account # 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: Checking or savings account

On XX/XX/year>, Chase Bank closed my joint account with my boyfriend. At the time of closure, the total remaining balance across joint accounts was {$6400.00}. However, 7 months later, I still have {$2800.00} that haven't been returned. Despite numerous inquiries, Chase has not provided a clear reason for the closure or the prolonged withholding of the funds. I was consistently told that they are 'investigating ' the situation. Recently, I was informed that the remaining balance of {$2800.00} had been approved by their legal department for release, and I was assured that the funds would be mailed to me promptly. However, despite making at least XXXX calls over the past several weeks, there has been no further update, and my requests for clarity have been met with assurances to 'be more patient. ' Yet, just today, when I called again, Chase changed their narrative, now claiming that the funds are under review and have not been released. This inconsistent response reflects a lack of seriousness in handling my case, as well as a disregard for the complaint I filed with the Consumer Financial Protection Bureau. This situation raises concerns about the whereabouts of my money and Chase 's intentions for these funds, which seem minor in the broader scope of their operations but are significant to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit inquiry from XX/XX/2021 of attempting to open a credit card line with my bank will not remove the inquiry from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover reported a high balance of {$5200.00} on my credit report that is incorrect. My credit limit of {$4500.00}, I never authorized {$5200.00}. They claim that they increased my credit limit to {$5200.00} but I never authorized nor requested such a change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several wrong and incomplete information from my credit report to 3 credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

In my original investigation request sent XX/XX/2021 I asked Experian to delete anything that is not 100 percent accurate. They responded saying that all of my accounts were indeed correct and verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts I inquired about as accurate, but they all have inconsistencies in the reporting? After that, I sent a letter on XX/XX/XXXX asking for Experian to please remove the accounts below from my credit report because I still found inaccuracies in each entry. I also provided proof of the inaccurate reporting along with my letter. Instead of deleting the information as requested, they updated their file. This is my 3rd attempt to remove the inaccurate accounts that Experian stated was verified and correct.
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXX until XX/XX/XXXX Ive been using Cash App for online purchasing and every day use. There were also times where I got charged and has a couple unauthorized transactions and it was hard for me to talk to a live agent when these transactions were brought upon. I use the support contact us and it be a robot. Never a human person to speak to to try to resolve this transaction or unauthorized transaction. Therefore, I have a lot of unauthorized transactions that I never got help with cause there was never human contact just a bot to resolve a situation.
Product: Student loan

Many years ago, I consolidated my loan with a particular lender because of the incentives that I can earn. I 've earned them, but now my new servicer is telling me they do n't have to honor it. How is this even legal? The incentives were indeed the selling and determining factor. I honored my obligations to repay my loan and earn incentives ; and the lender can escape honoring its incentives by selling the loan or switching servicers.
Product: Credit reporting or other personal consumer reports

On or before XX/XX/year>, Experian was sent an official law enforcement report regarding an XXXX account identified as XXXX. The company was notified through Experian.comXXXX  that the account is as a result of Identity Theft and made no action to remedy the situation. Even after uploading the police report, Experian continues to deny the request for an investigation under FCRA guidelines and/or block the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations : enclosed and stated all violations listed XXXX   XXXX  {$7100.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  {$570.00} {$550.00} {$570.00} XXXX  XXXX XXXX {$59.00} {$33000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$700.00} XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( all ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Federal government Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX/XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Jewelers Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX BYMAILONLY XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX  XXXX  XXXX  XXXX, DE XXXX BYMAILONLY XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX  XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX inquiries XXXX XXXX - Experian Date of Report : XX/XX/XXXX logo XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Other collection agencies Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. The FDCPA covers the collection of : Mortgages.XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for Deletion of Closed Account from Credit Report I hope this letter finds you well. I am writing to bring your attention to an item on my credit report that requires immediate attention. The purpose of this correspondence is to request the removal of a closed account from my credit report. 

XXXX I recently obtained a copy of my credit report and was disheartened to find that this closed account is still being reported. Although this account was closed. it continues to have a negative impact on my credit score and overall financial standing. 

I would like to emphasize that this account was closed in good standing and all associated obligations were fulfilled as per the terms and conditions outlined by the creditor. Consequently, it is only fair that the presence of this closed account on my credit report be rectified to reflect an accurate representation of my creditworthiness. 

In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this matter and take prompt action to remove this closed account from my credit report. Please provide written confirmation once the account has been successfully deleted. 

I have enclosed copies of supporting documents, including statements, correspondence, or any other relevant information that may assist in the resolution of this matter. 

Thank you for your prompt attention to this request. I have faith in your ability to handle this matter efficiently and ensure that my credit report accurately reflects my financial standing. Should you require any further information, please do not hesitate to contact me at the address or phone number provided above. 

I look forward to your positive response and a swift resolution of this issue. 

Thank you for your time,
Product: Credit card

A few months back I received an offer from American Express to convert portions of my Gold Card charges to a pay over time feature which would allow me to pay any charges over {$100.00} over time instead of the total balance at the end of each billing cycle. I was informed, upon the receipt of my first bill, that the balance of my Gold Card, prior to signing up for the offer would not be transferred to the pay over time billing. Thus, I was now on the hook for over XXXX which I never expected and my account is delinquent. This was never disclosed or explained to me when I took the offer. It was my understanding, as per Amex 's disclosure to me, that the portion of the balance that included charges over {$100.00} would be transferred to the pay over time feature. In addition, I am now receiving nasty letters from American Express, a suspension of my account and a reduction in my credit score. I contacted Amex in an effort to resolve this and spent 80 minutes on the phone with XXXX different people. I told them it could easily be resolved by transferring the balance to the pay over time feature like I thought it was originally going to do and that I am in the current predicament because of their inadequate and vague disclosure relating to the pay over time offer. I spent 80 minutes on the phone, with XXXX or XXXX different people who ran me circles and pretty much told me that they could not help me and that there was no one who could. I have always had an outstanding record with Amex but at this point I am disgusted at the fact they can not resolve a situation I feel they caused.
Product: Credit card

I applied for the Chase Amazon Prime Credit Card. I thawed my credit reports for this application.

I was told at time of application that a review was needed. 
I received a denial letter XX/XX/year>. The reason provided was that there was a potential concern that someone was attempting identity theft in my name. 
I called Chase fraud at XXXX. I spoke with an agent. She attempted to verify my phone number and could not. She asked me to hang up the phone and she would call me back. She did not. 
The very same night of this application after concern for review I opted to reapply for the Amazon Store Card that I had previously but had closed. The application passed with no issues. 
I am a member of XXXX XXXX and all three reporting agencies. There has been no evidence of identity theft. My accounts are always paid in full and on time. 
In XXXX of this year there was a XXXX XXXX that I had with XXXX XXXX  that was used for a fraudulent charge. The card company investigated the matter and I was found not at fault. The card was closed during this process. 
No other inclination as to their response for identity theft and or not returning my call.
Product: Debt collection

This debt should n't have been sent to a collection company in the first place because I submitted my health insurance card when I received treatment in the XXXX ( XXXX ). I have been call ingredients this XXXX billing department and talking to supervisors who all acknowledge it was their error and they 're working on taking it off collection. Yet nothing has been done. This has continued to affect my credit score resulting in high interest rates on my mortgage and car loan.
Product: Consumer Loan

Synchrony Bank lowers my credit limit down to the most recent balance causing the my credit usage ratio to be high. This lowers my credit score and I ca n't get the credit I need for home repairs and college costs for my son.
Product: Checking or savings account

My father, a citizen of the US residing in California, passed away in XXXX. He left a will naming myself and my sister executors and which set up a family trust in such a way that the will did not under California law need to be probated. He left us verbal instructions that he had a bank account which would be the property of his then wife. At this time his papers were in some disarray ( he had been in and out of various care homes multiple times before his death ) but we thought at the time we had located and settled all financial matters. 

In XX/XX/XXXX his widow received a Form XXXX for a Capital One account. She told us she did not know of this account previously. I reached out using the phone number on the form and was told to use email to XXXX for all further communications about this matter, using the XXXX XXXX. provided. I did this and was contacted by Capital One employee XXXX. XXXX 's first response said the deceased account holder was me, which very much set the tone for what followed. 

XXXX was " unable '' to provide any information unless provided with copies of my father 's Death Certificate, Will, notarized statements from each executor, and a Letter of Testamentary or Administration. We provided all these except the last, substituting full copies of the Trust and explaining under California state law the will had not been probated and did not need to be. Having being given proof that my father was indeed deceased and that my sister and I were who we said we were she told us that the account has a beneficiary, it is not the two executors, and that she could provide no other information including telling us whether it was my father 's widow. XXXX continued to insist that a Letter of Testamentary was required despite my explanation and appeals that she refer the matter to someone at Capital One who was familiar with California estate law, frequently repeating that she was " unable '' to do this or that. I asked if, having being given proof that my father the account holder is in fact deceased Capital One was going to reach out to the beneficiary directly. Her response was " The beneficiary will need to reach out to us. '' Getting to this point took nearly two months, as XXXX normally took more than a business week to reply to each email. It is now more than four years since my father passed.
Product: Student loan

I've been having tons of issues dealing with Mohela for the PSLF loan forgiveness. I've submitted multiple forms, W2s, and other related documents they asked me for to still say it's not correct. I've been put on hold for a manager for over 2 hours. They need to be federally investigated because obviously they're playing with students livelihood. If they're not going to service students accurately and give the right information then they need to give it to another provider who makes sure to give us the right information and actually follow up with correspondence. They do not say anything to us and we get no where when we call them. I hope you can help me. 

All my pslf count is incorrect and I've been trying to get this fixed since XX/XX/XXXX. 


After being on hold for 2 hours and 15 minutes after I was promised a manager it hung up. All of this happened in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax still refuses to remove accounts on my report i reported as fraud. XXXX  XXXX XXXX and XXXX XXXX XXXX. i have sent the proper documentation to have those accounts removed and they keep giving me different answers. saying they cant read the documents or information is missing on the documents.