23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Wells Fargo submitted inaccurate information to the credit agencies. The supposed credit balance they submitted is {$1700.00} with {$1700.00} credit limit. They sent me documents to prove this what I would them. The documents Wells Fargo sent me are inconsistent with what's on the credit reporting bureaus. 
No signed credit card agreement. 
Wells Fargo is attempting to justify fake credit card account by showing me overdraft statements from the checking account I had with them. I do not know how that justifies a credit card agreement. 
The so-called credit card statements show a credit limit of {$700.00}. Nowhere does it show a credit increase.
Product: Checking or savings account

I purchased a battery management system from a unreliable company who sent me a unit that's not as described in the description and significantly different as well as it does not work it's broken. I have been trying for weeks now to get XXXX XXXX to do a chargeback and to resolve this dispute but they keep giving me the runaround as usual. 

I want my {$100.00} back
Product: Checking or savings account

On XX/XX/2021 I received a wire deposit for XXXX. Capital One then put a restriction on my account the next day and would not release my funds. I also received a XXXX payment in that account and they refuse to release that to me as well. When I spoke with a representative last she told me they would mail me the money but that was a whole month ago. My account has not been closed but they keep saying pending closing but it hasnt closed down. I have not heard anything back from the investigator on my case. The have $ XXXX locked in my account and will not release my funds. I missed my closing because those funds where for my residential closing of my home and I couldnt even get my home which left me and my XXXX XXXX because of Capital one
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I NEED THESE ACCOUNTS TO BE REVIEWED AND DELETED I CAN NOT HAVE THEM ON MY REPORT BECAUSE SOME OF THESE ACCOUNTS HAVE LATE PAYMENTS WHEN I HAVE NEVER PAID LATE XXXX XXXX {$6000.00}
Product: Vehicle loan or lease

At the date of purchase, the interest on the contract was not explained to me as " simple interest ''. The company is now telling me that at the end of the loan, I will still owe about {$4000.00}. I have already paid, by my account, {$22000.00} for this car, 5 years into the 72 month loan. By their account, I have only paid XXXX. If I continue to pay this loan until it is completed, I would have spent {$33000.00} on a loan that was supposed to total {$25000.00} at the end of 72 months. The interest rate on the loan was 18.8 %, which was excessive to begin with. The price of the car when I bought it was {$15000.00}. I feel as though this company is loan sharking this loan, and I have informed them that they may pick the car up, as I can not afford to continue paying this amount for a car that was never worth that to begin with. Current XXXX value of the car is {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 TransUnion, Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX, XXXX GA. XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGE OFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 

There are multiple Hard Inquiries on my credit report that are NOT authorized, - XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/2023 There are multiple Soft Inquiries that are NOT AUTHORIZED : Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. The Charged off account and Collection account being reported on my credit MUST be removed. 16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information and accounts that are reporting on my credit file that does not belong me. Please assist me in getting these items removed : XXXX  ( reporting 3 times ) on XXXX  XXXX - Equifax, XXXX, XXXX  XXXX XXXX - XXXX  These accounts are reporting due to fraud.
Product: Checking or savings account

Countless times, during the middle of the night or later at night transactions have been allowed. Whether it is an actual card swipe OR something that is auto debited from the account. I have had countless situations where an automatic transaction will process at XXXX or XXXX and transfer the money from the savings to checking manually and still get a fee. Then when we cal, they say dont use your card if you dont have money the problem is, the money is there during the transaction. But their posting practices are so sketchy.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian will not allow me to dispute error on credit file and will not correct error on file. this is an acct that was paid in full on XX/XX/XXXX for car that was paid in full that i have pay off letter and title for car. also i have a complaint file number XXXX in which XXXX XXXX XXXX states that correction will be made. i sent all info attached to credit reporting agencies and they still refuse to correct this error. the XXXX  XXXX XXXX acct number is Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$430.00} plus they continue to drop my credit score with no change on my credit report in retaliation to my dispute of this matter. 
experian also failed to reply back to me on this dispute 2 in which the took over 30 days which violates fcra law on dispute resolution time.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express Reference XXXX XXXX American express sent us a pre qualified credit card offer for our business for American Express ( AmEx ) Platinum and American Express Gold card with an invitation number to apply. On XX/XX/2022 I filled out the application for the platinum card for our business and in the form it asked for my personal SSN. On clicking the detail why the SSN was being asked a window popped up that it was needed to verify my identity. Nowhere on the invitation only, business application for Platinum card it said that my personal credit report will be pulled. 

After completing the application within minutes I got the response that our business credit card application was declined due to my low personal credit score, even though our business was qualified for a preapproved invitation only platinum card by American Express. 


It is a completely deceptive trade practice to lure customer into applying for business credit card for more business but then decline them based on their personal credit score without informing them at the time of completing the application that a personal credit report will be pulled. 

I called AmEx customer service on XX/XX/2022 at XXXX XXXX  and talked to XXXX @ XXXX at their office located in XXXX XXXX XXXX, UT. She informed me that she was not able to do anything about it so I requested a supervisor. I was informed that no supervisor was available so I requested a call back from a supervisor. 

Same day on XX/XX/2022 I received a call back from a supervisor who identified herself as XXXX from the phone number XXXX at XXXX XXXX  which Seemed to originated from Arizona. She refused to identify herself except her first name, she declined to give her office location, city or even state in the United States. 

I had a long discussion with her about no information about pulling a personal credit report on " invite only business credit card application ''. She declined that they did not have access to my personal credit report, even though this was the explanation given on the rejection letter specifically information me that the application was declined due to my personal credit score and credit report. 

When I mentioned that XXXX said that she did not know if it would be soft pull or hard pull, then I notified her that XXXX is already notified my about the credit check by AmEx and it is a hard inquiry. Then XXXX stated that she can not discuss their processing material. 

Ultimately after about half hour discussion she notified that they will not remove the inquiry from my personal credit report, even though AmEx sent me an invitation to apply for a business Platinum credit card without my interest. 

This is completely deceptive practice and I would like the inquiry to be removed from my personal credit report immediately and AmEx should be punished for its deceptive practice. 

XXXX XXXX XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

There are accounts showing on my credit file that does not belong to me 100 %. I have sent letters to the credit agencies requesting that this erroneous information and inaccurate accounts be removed from my credit reports. I am in the process of trying to purchase a home and this incorrect information is hold me back. Please help get the following information removed from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX- looks like apartments Incorrect Address Information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pl Incorrect Employers : XXXX XXXX XXXX The credit agencies must be putting another person with my same name information on my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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

ACCOUNTS THAT I COULD NOT ADD : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX FTC ATTACHED The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 
Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking ...

The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions.

The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. 



The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent account on my credit file, and I demand its immediate and unequivocal removal from my credit report. As you are well aware, under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent account are clearly inaccurate, and its presence is causing significant harm to my creditworthiness. Let me be perfectly clear : I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these account are fraudulent. I have also requested that the creditors responsible for these fraudulent account investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent account still appear on my credit report, causing me extreme frustration and financial hardship. I need the following account removed from my Credit File as soon as possible : XXXX  XXXX XXXX Date opened XX/XX/2017 Balance {$20000.00}. I expect a prompt response from you within 30 days of receipt of this letter, as required under the FCRA. Make no mistake, I will not hesitate to pursue all available legal options to protect my rights and interests.
Product: Credit card or prepaid card

I have TD bank visa card. I have my card on auto-payment with TD bank. They charged me late fee of {$35.00} in XXXX and XXXX. I called them on XX/XX/2022 and they told me that your auto-payment was rejected due to insufficient funds. I told them that its only {$35.00} and I have more balance in my account than this amount and told them that I have bank statements. They checked and told me that they will reverse the charge as it is the mistake of TD bank, and this month same problem happens with multiple customers. Then I checked that same problem happened in XXXX and they charged me {$35.00}. I called them again that kindly adjust this {$35.00} of XXXX as well. So, I explained the whole story to new customer service representative, and she just kept telling me : it is due to insufficient funds and refuse to listen to me further and just drop the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXXXXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/24 I received an email from USAA that XXXX  XXXX XXXX was added as a contact to my XXXX account and to contact them If there was an issue. I have never used XXXX in the past and contacted USAA immediately. The XXXX account is housed under my phone number and email. While on the phone I noticed another email from USAA timed XXXX minute after the first one received that a XXXX had been sent to this individual. I disputed this transaction and removed information for XXXX access and ordered new debit cards. While on the phone I received texts from USAA where someone was also attempting to use our debit card numbers. These charges were flagged as suspicious by USAA and declined. Once I arrived home I went to talk to my husband and found him on the phone with USAA also disputing the XXXX withdrawal. We pieced it together and he had called a phone number for assistance with a small disputed transaction. This number and the charge were fraudulent. My husband is XXXX XXXX XXXX and when on the phone with the perpetrator he somehow allowed a screen share for assistance and Im not exactly sure what else happened but my spouse is a victim. Hes not sure how he allowed this person access to our accounts and debit card. While on the phone with the person the XXXX transfer immediately came out. My husband then realized he was a victim of fraud. He doesnt remember exactly what he did or didnt do. He is XXXX and on multiple medications and suffers from short term memory loss. He did tell me that the person he was talking to confused him and had him doing all sorts of things on the computer. I told the second USAA rep this on the phone. I was told that this wd would be reported to the crime dept of USAA and that someone would be in contact with us. No one called at all to discuss this. I called for an update today and was told that USAA had ruled against us and that the dispute would not be reopened or appealed and was closed. They would not tell me why they determined this outcome other than we would receive a letter in the mail. Here are my concerns. 
XXXX. This was obviously cyber crime and elderly crime. Whether its legally considered fraud or a scam doesnt matter. My husband was targeted and victimized. 
XXXX. My account was not protected. From the time I was notified that a contact was added to the XXXX account to the withdrawal the lapsed time was XXXX minute. Protections were not put in place. This transfer should have been flagged because the account had never had a XXXX transaction before and the amount of XXXX is excessive for this account leaving under XXXX in it. If there had been a hold placed on the withdrawal until USAA had my consent that it was legitimate this would have been avoided. USAA flagged the debit card transactions and declined them yet no such protections are in place for XXXX payments? 
I request the funds to be replaced.
Product: Checking or savings account

I have opened up a Chase Total Checking account about 2 months ago and had set it up with direct deposit to take 15 % of my paycheck. Ive only used the account to manage my bills and to move money between my accounts with XXXX. Specifically this account was used to pay my car insurance. The initial amount of insurance was around {$310.00} debited out between the XXXX and XXXX. XX/XX/XXXX the car insurance attempted to debit around {$450.00}, and I didnt have enough funds to cover. The following week I deposited a {$1000.00} XXXX check to pay my car note. Then {$200.00} in cash on XXXX XXXX. I was locked out of my online banking yesterday, XX/XX/XXXX, and I contacted customer service only to find out chase had closed my account. The representative stated she couldnt advise of why it was closed and Ive never had this happen with banking with any bank. I am appalled that something like this could happen especially when there was activity on my account and have never done anything fraudulent/suspicious.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent inquiries have appeared on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent inquiries be blocked and deleted from my credit report : Fraudulent Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These inquiries were not opened and initiated by me, I suspect them to be a fraudulent inquiries. I am requesting you to do a thorough investigation regarding this.
Product: Payday loan, title loan, or personal loan

I was aware that everything I requested was denied! I been affiliated since 2010 therefore it became obvious that I wasn't accepted to inherit a loan or credit due to my race.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I had XXXX emails from this company ( NetCredit ) in my junk mail. I then noticed that they had a hard inquiry on my credit report ( XXXX through XXXX XXXX. ) I have never heard of this company -- much less applied for ANY of their services. They had my information from 9 years ago! I called them and they said I had to file a police report ( in the process ), within 7 days or they were going to start collections! On WHAT?! I have reported this to the local sheriff, and the MT Attorney General. I am also going to contact the FCC! I don't know who these people think they are! I am working hard on my credit to get my score back up, and someone like this swoops in and dings it! NOT RIGHT! The emails start out saying they received my application, but they needed more info ( XXXX ) ... then, it was being forwarded for processing ( XXXX. ) I was matched with an offer of {$3800.00} at XXXX, but then rejected the next morning because they couldn't verify my identity! But, they still accessed my credit report!
Product: Credit reporting or other personal consumer reports

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belong to me without providing proof as requested. This is causing me great stress and if this is not fixed asap I will be suing ALL.