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

I am submitting a new complaint because CFPB closed my account without ALL issues being resolved from my bank. I submitted my follow up responses and you all took no regard to them. 

As a result in my account being frozen for no apparent reason I was not able to pay my bills which resulted in disconnections and cancellations. I am now faced with penalties from my creditors, which has caused me and my family emotional distress. My issues were NOT resolved. I reached out to your company for help and ALL my requests werent addressed. 

I am requesting that the bank be held liable for the additional expenses that I incurred as a result of their negligence in placing a freeze on my account. The bank also further informed me that they were not able to conduct an investigation because I waited too late to file a complaint. I NEVER authorized transactions that were debited from my account to be disbursed. A bank representative took upon themselves to distribute funds on 3 separate occasions ( XXXX XXXX, XXXX, and XXXX ) totaling {$11000.00} to my estranged husband, who was not an authorized signer on the account which caused my account to be overdrawn. I was forced to close my business account as a result. 

Once again, I am reaching out to CFPB for your help in holding the bank responsible for not following up with my initial requests - compensation for emotional distress, letters of apology to my creditors and refund ALL overdraft fees that were charged to my account. 

Thanking you in advance for your help in this matter. 

Respectfully Submitted
Product: Debt collection

navient reported me to reporting agency for late payment for {$0.00} on XXXX XXXX 2014
Product: Credit card

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. NavyFed Credit Union balance {$21000.00} XXXX XXXX XXXX balance {$20000.00} and inquiries from XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I '' m a victim of fraud and I have a file with the Federal Trade Commission. While preparing to check my credit for incorrect information, I have noticed there are six inquires that I have no knowledge of nor do I have or ever had any accounts opened with the companies, please will you help me in solving these issues? 

1.XXXX ... .XXXX XXXX XXXX 4.XXXX XXXX ....

inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX 2.XXXX .... 5. XXXX XXXX ....

inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX 3.XXXX .... 6. XXXX XXXX ...

inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I sent off certified letter on XX/XX/year> to the reporting depts collectors XXXX XXXX XXXX and Credence service asking for validation on account XXXX also XXXX that competent evidence bearing my signature showing that I have ever had some contractual obligation to pay XXXX XXXX XXXX and XXXX XXXX thats reporting one account two different times with different account balances.The original creditor XXXX XXXX reported this account as charge off also written off.I never received a 1099-C form which is a Cancellation of Dept or was I notified this dept was being sold off to multiple companies. Under law 15 USC 6802 Obligation with the Respect to disclose of personal information also15 USC 1692e False or Misleading Representation and section 623b Violations of the Fair Credit Act also section 807-8 Violations of the Fair Dept Collection Practices Act.I asked for these two accounts be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX Please remove these inquiries from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

U have 2 hard inquiries on my credit in I don't know how I pay my bills in never been late
Product: Credit card or prepaid card

Purchased from XXXX shoe size XXXX, retailer shipped size XXXX. Was unable to resolved issue with retailer ( return options not available ) - hence filed a disputer with credit card company ( american express ). Credit card company denied the dispute- even though merchant was wrong.
Product: Credit card

In XX/XX/XXXX, I got an unsolicited mailing from American Express inviting me to open a new credit card account, with a promotional offer of {$350.00} after spending {$3000.00}. I opened a new account ( ending in XXXX ), spent the required amount, and qualified for & received that offer. I paid all my balances on time. In XX/XX/XXXX, I called to close my account because I was going to go do volunteer work in a country in the XXXX XXXX where AmEx is not used. The customer service agent closed my account as requested. I specifically asked if there were going to be any other charges or fees incurred, and they said no. Then on XX/XX/XXXX, I receive an email from AmEx saying my XX/XX/XXXX statement is due on XX/XX/XXXX for {$280.00}! I thought someone may have stolen my card or something. I called AmEx and they said that because I closed the account less than 12 month after opening, the promotional offer was revered! Yet, the customer service specialist I spoke with gave me no indication of that possibility at the time of account closure. Otherwise. I would have chosen not to close the account! 
Since then, I have called AmEx numerous times to try to resolve this, to no avail. No apology for the confusion, no courtesy discount or credit. 
This feels really unfair and almost exploitative. I am also currently unemployed and am taking care of my elderly parents. On top of that, my good credit score has been impacted by this. Please help!
Product: Credit reporting or other personal consumer reports

They consumer agency has reported me having different aliases., another on just recently reported me as deceased. Also on my report I have an agreed settlement for a vehicle That's XXXX XXXX XXXX i don't owe anything on it but keeps popping up. I been disputing it for years along with other incorrect information. I have received credit score from the agency that read XXXX on a couple of different applications in the past no joke..They got me screwed up for someone else. Consumer Reporting Agency is ruining me. Seriously.
Product: Payday loan

I received a loan for {$2600.00} to date I have paid over {$10000.00} I have asked to settle the loan because I am a single mom and the $ XXXX monthly payment has become a challenge. They denied my settlement offer. I continue to make the scheduled payments and they continue to call me on a daily basis saying that I am behind when I am not. I am on the verge of tears and I just cant take the calls anymore. They say they will stop calling because the see that I HAVE been making the payments but the calls and emails continue. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting 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/block any items 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 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 Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$780.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$610.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  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: Credit reporting, credit repair services, or other personal consumer reports

address that are not mine : 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 accounts that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX department of Treasury XXXX/XXXX
Product: Credit card or prepaid card

I have a GAP credit card, for use at GAP-branded stores ( Gap, XXXX XXXX, XXXX XXXX, XXXX ). Nothing is wrong with that credit card account. However, on 2 separate occasions within the last year, Gap has opened a second credit credit card account ( GAP Visa - for use at any place where visa is accepted ) without my knowledge or consent. I did not apply for a Gap Visa, and I don't want a Gap Visa. I have had to log in and cancel the visa account and destroy the card.
Product: Debt or credit management

I started working with Strategic Consulting in XX/XX/2023 after receiving a mailer regarding help with debt consolidation. They offered me help through a law group called XXXX XXXX which would work with my credit cards to lower my payments and interest. I had to sign paperwork with a notary that came to my office and set up a payment plan directly through my bank. However after 3 months my credit card companies were never contacted. My credit is being destroyed and no one from Strategic or XXXX XXXX have responded to me. I have so far paid them {$2200.00} and can not get any answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit scored went down because a inquiry from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the lates on these accounts because they are inaccurate and not proven. Please do a deep investigation on them and have them removed from my report because they are really affecting my scores.
Product: Debt collection

XXXX XXXX Report Date : XX/XX/XXXX CLOSED Account Status Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first delinquency. 
Details Payments Historical Overview Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type AUTO Original Creditor Name Months Reviewed XXXX Activity Designator Terms Frequency MONTHLY Term Duration 72 MONTHS Purchased From Sold To Balance and Amounts Balance {$990.00} Credit Limit High Credit Available Credit Account Dates Date Opened XXXX XXXX, XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact CHARGED OFF ACCOUNT ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER FIXED RATE For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Credit Account - Closed Installment XXXXXXXX XXXX XXXX Item disputed Amount past due Date XX/XX/XXXX Update {$0.00} They are reporting a debt that is 8 years and 2 months old and past the 7 year FTC guideline for reporting a bad debt.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a customer.
Product: Vehicle loan or lease

On XX/XX/XXXX I was pre-approved for an auto loan XXXX with Navy Federal. I had purchased a vehicle in late XXXX and returned the car within the first weekend of having it due electrical issues. On XXXX XXXX, I informed Navy federal customer service that I would be returning the car and for them to do a stop payment on the check. I was told to sign the Indemnity Agreement form and send it back, a week later my entire preapproval was canceled in the system, I only learned this when I tried retrieving a new check at the bank location that the loan had been canceled in it's entirety. On XX/XX/2022 I talk with customer service supervisor over phone while sitting with a agent at the bank and was told by her that " I told them to cancel the auto loan because I no longer needed it ''. I informed her I never stated that and can you all pull the recording of the conversation, she stated that it would take one to two business day to retrieve the recording and someone will call me back. The next business XX/XX/2022 the same supervisor called and stated that she did some research and there was no need for the recording to be retrieved because she realized the problem and that because I returned the car, that's why the loan needed to be canceled and would have to apply for a new one. I hung up and talked with another supervisor who stated that the loan was canceled due to an error on their end, but I would still need to reapply. I stated that because you all made an error why do I need to pay for it and have my credit hard pulled again just so now this time you can deny me for said loan. I now wish for some one to look into this erroneous error.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my current credit report, on XX/XX/XXXX I contacted Transunion again in hopes to resolve an ongoing mistake on my credit report. I was not able to fully understand the name of the person I spoke to due to it being a huge language barrier between us and as I could tell she was not a Native to the U.S. There were multiple unauthorized inquiries on my credit report that has re appeared without notice. They I was notified originally during two separate system breaches that the inquiries had appeared ( one in XX/XX/XXXX and also again in XX/XX/XXXX ). I eventually got them rightfully removed but as mentioned above they are back. I would like to have them removed because they are not authorized to be there. I am very familiar the FCRA and my rights as a consumer and I no longer want this reflecting on my report. 

Name : XXXX XXXX DOB : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I cancelled my account with XXXX for XXXX XX/XX/XXXX and get billed anyway via Paypal. The site was not working to submit a fraud claim. Chat reps would not help because they said they were untrained. I contacted XXXX to cancel and still get billed I called the XXXX # I am undergoing XXXX XXXX tests and Paypal 's rep told me they do not help XXXX like me and XXXX  XXXX XXXX and if I reported him -- I will pay. I get my refund from XXXX and money for the harassment by this rep or I sue your company for discrimination under the ADA I want no more charges from XXXX
Product: Credit reporting or other personal consumer reports

I am writing with urgent concern regarding fraudulent accounts and incorrect information that have been wrongly reported on my credit file. As a victim of identity theft, it is crucial that this matter is addressed immediately. I insist on the following actions immediately : Remove all fraudulent accounts from my credit report. Provide written confirmation that these items have been removed. Conduct a thorough investigation into how these accounts were reported erroneously. Ensure that all future credit reports reflect accurate information and are free from any fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to investigate and correct errors on credit reports. Failure to comply promptly will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. 
The following accounts are fraudulent and must be removed from my credit report without delay : XXXXXXXX XXXX XXXXand XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Send me a debt validation letter with a signature that was not mine and drivers license that was not me. They can not prove this account belongs to me and if must be removed immediately.
Product: Credit card

The issue is with Comenity Bank for an XXXXXXXX credit card. I paid the full balance of {$40.00} and the next month I had a bill for {$2.00}. I called and spoke with a representative and they said they would remove the {$2.00} but that never happened and they charged a late fee of {$4.00}. I called and they agreed to waive the {$4.00} but not the {$2.00}. I understand this amount is small but if this is happening as a normal practice of paying interest the month after you pay off a card in full that is wrong and they are collecting a lot of funds. Also this better not have affected my credit over a fee that is not valid.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I contacted this company, XXXX XXXX, via email to XXXX, upon the recommendation of a friend. I wanted to buy a 20 ft container. XXXX XXXX replied by email on XX/XX/XXXX, quoted {$2300.00} full price w delivery and sent me an invoice for me to pay 50 % in advance. That same day, XX/XX/XXXX, I paid by wire transfer because they wouldn't take credit cards ( MY HUGE MISTAKE. I only trusted this because I thought my friend had used them. Turns out my friend had not actually gone through with his transaction, but is still in discussion with them ). 

On XX/XX/XXXX, XXXX XXXX emailed me from XXXX and said he didn't have the money yet ( though I could see that the money had already left my bank account ). I told him I would meet him in person. I drove to the address ( XXXX XXXX XXXX XXXX, XXXX ) and there is nothing there. 

When I was on my way to their office I called and the number was very odd ( nothing about XXXX XXXX, it just went to a XXXX voicemail ). I hung up and a guy named XXXX with a foreign accent called me back. I asked to speak with XXXX XXXX and he said he had stepped out but would call me back. I said never mind, I just wanted to let him know I was five minutes away. XXXX tried to talk me out of coming to the office and when I was almost there I asked him to confirm the address and he hung up on me. When I tried to call him back I now get " The person you are trying to reach is not accepting calls at this time ''.
Product: Checking or savings account

I received a letter recently regarding charges that were for a program that I did not sign up for in 2008. I called the number and was suppose to receive a refund. I had a last name change and I called three different times to verify if they needed documentation on this. Each time they said it was fine and the name was changed. I get the check and the last name was incorrect. I went to Wells Fargo showed them the paperwork and my social security card. They said they could not accept it and needed a marriage license. 
I complained about this to Wells Fargo corporation, XXXX followed up with me and told me he was going to help me.He never called me back when he did. I got a copy of my marriage license showing my name change. Then, I received a form stating about the name changed and documentation needed. On the form it said they would accept a name change based on a social security or marriage license. I already presented the social security card but they refused to accept it. With how Wells Fargo has handled the issue, I can see them saying they did not receive the paperwork which now I am nervous to send it because no one is helping or following up with me as I have requested. They expect me to wait another 45 days plus to receive my check. I want someone to help me with this process. The complaint person never followed up and I do not have their number.