23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/19 at XXXX I answered a phone call from southwest credit systems group llc out of XXXX Texas , called from XXXX. I verified what is my address with the woman on the line. She proceeded to try to collect 45 dollars from a toll from a few years ago. I asked her to please verify the debt and she spouted off more personal information and told me I will receive a " ticket/citation '' from the company if I dont pay and it's like {$200.00}. I asked her like from the police and she said yes a ticket just like the ones they give you. I tried to press her on if it was a civil or criminal issue and what will the citation be for surely not from the city and she deceptively assured me it's just like.those I have to call the parent company to talk.about the tickets and citations given out though. I got transferred to a manager and she tried to verify my information as the last woman did and when I gave her the address of XXXX like I gave the first woman she said it's not what they have on file. She then told me.she couldn't discuss the account with me bc I didnt verify the info correctly. I asked why the first rep did and she didnt have an answer. So the first person i spoke with gave out handfuls of personal and account information to somebody that improperly verified. Alot of information. That's not okay. I asked for a copy of the call.amd was sent to another executive 's line. They are not verifying that the people they speak to are debt holders and giving away alot of personal information. Please help us from these unsafe tactics I hope no one else has called in and just been given random account and personal information that's dangerous and illegal via the cpfb. Thank you guys for everything yall.do.
Product: Debt collection

They call repeatedly up to 6X a day even after I have made payment arrangements online through their online portal.
Product: Bank account or service

I use BBVA Compass for my banking as a long-time customer ( approx. 15 years ), even though I recently moved out of their region. My direct deposit was supposed to hit my account today ( XXXX/XXXX/16 ), but the bank is saying that because it is a holiday, they wo n't process it until Monday, the next business day. For an automated electronic transaction, this makes XXXX sense to me. Are their ATM 's turned off today too? I also tried to set up an electronic transfer online to send some money tomorrow ( in the hopes that it processes by then ) to my ex-wife so that my kids are taken care of, and received a message that the transaction could n't be processed because of the holiday. When I called customer service to complain and ask for an explanation, I was told repeatedly ( XXXX calls throughout the day ) that they have had a software update, and their customer service personnel have no access to accounts. On my last call, I was placed on hold for 25 minutes, and when the " supervisor '' picked up, he promptly hung up as soon as I said hello. Although I expressed my frustration and the fact that I deem this level of service unacceptable, at no time was I rude or engaged in personal vitriol. If a financial institution is going to forbid access to its customers accounts, or refuse to process something as simple as a direct deposit, I believe that it should be required to notify its customers to that effect. The fact that many people are on payroll schedules that might fall on a holiday is a common occurrence, and one that I have seen dealt with before ( I work in XXXX ).
Product: Credit card

I just looked over my credit record and saw several instances of 15 U.S. Code 1666 billing irregularities. ( b ) Incorrect billing ( 4 ) The creditor 's inability to accurately record on a statement an amount paid by the debtor or a credit granted to them.

( 5 ) A computation error or other comparable accounting inaccuracy on a statement made by the creditor. 

There shouldn't be any late payments on this account because, as far as I'm aware, the creditor failed to send me a statement 21 days in advance. Since this was obviously a billing error, I demand to see concrete evidence from the creditor 's bank account proving that I was tagged late and failed to pay. 

According to my consumer report, every item listed below should be amended to paid as agreed. 
Account # XXXX XX/XX/2024 XX/XX/2024 XXXX
Product: Checking or savings account

On XX/XX/2022 I attempted to withdraw {$18000.00} from my Wells Fargo checking account to purchase my vehicle. Brach info : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, Telephone number XXXX, Fax : XXXX. To sum the story up, I waited over 2 hours for the the service XXXX XXXX XXXX to tell me that she was unable to release the funds because she could not reach the employer who issued the check that I deposited. I asked her when would I be able to withdraw the funds. Her response was, " I don't know. '' I contacted Wells Fargo customer service. I explained the issue to the representative and she was not sure why I couldn't withdraw the funds. She stated that every branch has their own rules. The representative advised trying another Wells Fargo branch. I then went to Wells Fargo, branch # XXXX XXXX. I was able to withdraw the {$18000.00} to purchase my vehicle in less thank 15 minutes. The service manager as this locating did not understand why the other branch would not issue the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following Accounts, have 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 an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681-2 ( 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.

I've been a victim of identity theft and never applied for any of these accounts : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

Since XX/XX/XXXX, Chase Bank has closed my account and has not returned the remaining {$18000.00} in my account. We need to live! We no longer have any money to live on! It has been 6 months and my money has not been returned yet! The answer they give is always to keep investigating! we need money to live
Product: Credit reporting or other personal consumer reports

I was advised by XXXX and Equifax representatives to fill out this report because of unauthorized inquiries on my credit report, please remove all these fraudulent unauthorized inquiries on my report. The copy of all the inquiries are as follows : 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 Please Remove all the fraudulent unauthorized inquiries from my report. Thank you for your help. This is hurting my credit and reporting false information to future creditors.
Product: Checking or savings account

My wife and I opened XXXX XXXX XXXX XXXX individually using 2 separate promotion codes that we received on XX/XX/XXXX. Then deposited {$50000.00} as new money ( {$25000.00} in each of our accounts ), within 30 days on XX/XX/XXXX as per the offer requirements to get promotional bonus amount of {$520.00} for each account holder. 
When we followed up with Wells Fargo, every time we were told the bonus amounts would be deposited within 2 weeks, but it never happened.

We waited about 6 months to get a {$520.00} + {$520.00} promotional bonus payment in each of our 2 newly opened accounts, with enormous trust and faith in Wells Fargo Bank.

When insisted Wells Fargo registered our complaint. But Wells Fargo mercilessly denied our entitled promotional bonus. 
This is beyond our imagination why Well Fargo is treating us very unfairly and in a discriminated manner. This is our worst banking experience in our entire lifetime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not access my account even though I have written down my username and password. When I use the Experian website to " self-serve '' to reset access, they bounce me to a screen that says I must call them ( prior to XXXX E.T. ) When I call the number it tells me to self-serve on their website. 

This is an infinite loop. Nothing I say on their phone service gets me access to a representative. It repeatedly hangs up on me when I ask for " help '' " representative '' or " customer service ''. 

My credit info is completely inaccessible to me. The company is holding my information XXXX at this point. They provide no way to actually talk to a human for assistance, even though they refer me to a phone number and tell me I can not self-serve.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 card or prepaid card

I made a hotel reservation for a work trip that stated it was non-refundable if cancelled more than 1 day after booking. My plans changed and I cancelled the reservation within 24 hours. The charge remained on my card. I contacted the hotel and they told me to dispute it with my credit card company. I did so in XXXX. In XXXX when I had not heard anything further I contacted Discover to inquire about the status. I was told the case had been closed in the merchant 's favor in XXXX. I asked why I was not notified and they said that they normally notify the customer. I told them I had provided an email from the hotel confirming the reservation was cancelled in the appropriate time and I was told to forward it to them and Discover would be refunding the charge " out of their own pocket ''. A week later I received an email from Discover to call in for important information about my account. I called and spent 5 hours on the phone with 10 different Discover employees, all of whom had no idea why I was asked to call. Finally I spoke to a manager who placed me on a conference call with the hotel and allowed the hotel manager to berate me and lie on the phone. When that was over the Discover manager laughed at me and stated that I would never get this money back then hung up on me. I then called Discover corporate and logged a complaint and asked for the refund I was told I would receive. 4 days later I received a call from someone else in corporate who told me they would not be honoring the offer of a refund and that the agents had been " spoken to ''. When I asked for a manager I was told there was no one further to speak to. When I asked to be transferred to the department to close my account I was hung up on. 

I have been told that Discover will refund this amount as they never notified me of the status of the case and subsequently been subjected to abuse by Discover and hotel employees.
Product: Credit reporting or other personal consumer reports

I have Been trying to get an account removed since 2020. I did A voluntary surrender on a vehicle and they sent a debt cancellation letter. Two of the three bureaus removed the account. Experian refuses to remove the account. I have provided the necessary paperwork and they continue to keep the account on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are loan amounts in the amount of {$3800.00} and {$2000.00} being reported by XXXX XXXX XXXX XXXX on my Experian Business Credit Report. I have an application for a business line of credit with XXXX XXXX  which has been approved but I am unable to access the funds since there is unpaid balances showing up in the Experian Business Credit Report. I contacted XXXX XXXX XXXX XXXX at XXXX and they are showing no record under XXXX XXXX XXXX XXXX of Florida, but the information is still appearing in the credit report. I am the only employee. I asked Experian Information Solutions , Inc. to investigate and they have after 2 months been unable resolve the issue.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning, and I have no idea why. I routinely check my report, but this time I noticed discrepancies out of nowhere. I even refreshed my browser, hoping it was just an error, but the inquiries remained. This issue hasnt been resolved, so I need the documents I've provided to be thoroughly reviewed so I can finally put this behind me.
Product: Checking or savings account

I have an maintained an account with PayPal for 3 years. Today, I received a direct deposit from the IRS in the amount of {$9200.00}. Two minutes after the funds were available, PayPal placed a limitation on my account citing the unusually large deposit. I called their customer service team and asked them to correct their error. The representative informed me that he corrected the issue and within 3 business the limitations would be lifted and my funds would be available. Two hours later, I received an email stating my account was permanently locked and my funds were going to be held for at least 180 days and I had no recourse to reverse their final judgement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Email : XXXX Phone : XXXX Social Security Number : XXXX XXXX : XXXX Drivers License Number : XXXX Expiration Date : XX/XX/XXXX Issuance Date : XX/XX/XXXX Date : XX/XX/XXXX To : Affirm Loan Services XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Fraudulent Credit Inquiries and Identity Theft Since XXXX Dear Affirm Loan Services and XXXX, I am writing to formally dispute unauthorized credit inquiries and inaccurate information on my credit report. Since XXXX, I have been a victim of identity theft, resulting in numerous fraudulent inquiries on my credit file. These unauthorized actions have caused me significant financial strain, hindered my ability to secure credit approvals, and violated my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) guidelines. 

I have reviewed my credit report and identified several fraudulent inquiries and entries that I did not authorize, consent to, or apply for. Under the FCRA and state codes of Indiana, I demand that you investigate and remove all such fraudulent accounts, inquiries, and discrepancies. As a consumer, I am entitled to the protections afforded by these laws, and it is your legal obligation to ensure the accuracy and integrity of the information on my credit report. 

To verify my identity and assist in your investigation, I am providing the following information : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX Social Security Number : XXXX XXXX : XXXX Drivers License Number : XXXX ( Exp : XX/XX/XXXX ; Issued : XX/XX/XXXX ) Given the severity of this matter, I also request that XXXX representatives or staff members responsible for handling identity theft and fraud-related issues closely monitor my credit report and prevent any further unauthorized activities. Ongoing discrepancies put me at risk of further financial harm, including denial of credit approvals, car loans, or business funding under my legal and unique identity. 

My credit score as of XX/XX/XXXX is XXXX, which I believe is inaccurately low due to the fraudulent inquiries and accounts. I request the removal of all unauthorized inquiries and fraudulent accounts and ask that my score be updated accordingly. I also request an updated copy of my corrected credit report. 

If additional documentation is required, please inform me immediately. I have attached a copy of my credit report with disputed items highlighted and any supporting documentation, including my drivers license details and other identity verification items. 

Please note that failure to resolve this matter promptly and in accordance with the FCRA and Indiana state laws will leave me with no choice but to escalate this issue, including filing complaints with the FTC and other relevant regulatory authorities. I expect a resolution within 30 days, as mandated by law, and request written confirmation once corrections have been made. 

Thank you for your prompt attention to this matter. 

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

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These two hard inquiries I have already disputed are still showing on my credit report. Equifax responded and said they were deleted but they are still showing up. I then disputed them again and Equifax responded that these two inquiries arent currently on my credit report. But on my credit report, these two inquiries are still showing up and they need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've submitted letters and spoken to representative on the phone for Equifax to remove an incorrect name, several inquiries that I did not authorize and incorrect address, but to no avail. They have not responded to my numerous disputes instead they send a letter of the exact information that I am requesting removal of. One representative told me to contact the company to remove the inquiries and I contacted each and every company and the companies referred me back to Equifax. The information being reported with the inquiries, address and wrong name is incorrect and they refuse to respond and remove the incorrect information. I 've submitted my driver 's license, my XXXX and a utility bill several times to remove the info.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a fraudulent account under the name XXXX XXXX ( # XXXX ) on my credit reports. This account was opened as a result of identity theft, without my knowledge or consent. I demand the immediate removal of this account from my credit reports and request a thorough investigation into this matter, as well as appropriate compensation for the damages caused. 

Issue Identified XXXX  XXXX XXXX account reporting on my credit reports is not mine. It was fraudulently opened due to identity theft. I did not authorize any transactions or communications with XXXX XXXX, nor did I receive any services or products associated with this account. 

Violations and Impact The presence of this fraudulent account on my credit reports violates my rights under the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my credit profile. The unauthorized account negatively impacts my XXXX XXXX and overall financial standing, potentially leading to denials of credit and other financial services. 

Applicable Laws and Regulations XXXX. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : This provision allows consumers to request the blocking of information resulting from identity theft. I am exercising my right under this law to request the immediate removal of the fraudulent account from my credit reports. 
XXXX. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including accounts opened as a result of identity theft. 
XXXX. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The inclusion of this fraudulent account violates this requirement. 
XXXX. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate or resulting from identity theft.
Product: Credit reporting

On XXXX XXXX XXXX I was at the attorney general office in a conference with XXXX XXXX and the agent for the attorney general said that they could not proceed until the motions of lawsuit against XXXX XXXX was over. 
I am suing my ex-wife do to harming my credit and going to the attorney general and having the attorney general filing for back pay child support. When we had an agreement since XXXX XXXX, XXXX that I would not owe her a dime due to me being dead to her both children. My attorney contacted the office of the attorney general and by state law they are not to harm my credit until the lawsuit is over with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my credit report and noticed there are numerous student loan accounts. I should only have XXXX is the only servicer of my student loans. I have XXXX student loans on my credit report that is reporting inaccurate information. They are saying that the account was delinquent back in XXXX but have no info on the report from when it was open. The accounts were open in XXXX but did not start reporting any info until mid XXXX. I have asked for this matter to be addressed. XXXX, Equifax, nor XXXX has addressed this matter. I have disputed the info numerous times and only 1 account was removed from Equifax. All of the accounts associated with the Dept of XXXX should be removed immediately. It's showing late payments on my credit report and that the account has been transferred to now XXXX. The information on the report is inaccurate. The accounts were delinquent from XXXX to mid XXXX. The accounts are 7.5 years old and should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

in 2020 i was involved in identity theft and my info was used to open multipal accounds and loans i am not responsiable for. i can not get these to go away as they want me to prove it was not me and they just verify my info and count it as accurate, of couse it will be accurate my info was stolden and i need theses removed
Product: Credit reporting or other personal consumer reports

i noticed hard inquiries on my transunion consumer report so i filed an FTC report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX