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

I contacted the local store before I submitted a request to open a secured card with wells fargo. I asked the branch worker if my card will graduate to a unsecured card within a year. She assured me that it would. It has been 16 months and my card is still a secured card. I have reached out to the executive consumer department and they keep giving me a run around because they said I opened the card online. I did but it was based on the pretense of the information I received from the branch. This is ridiculous, I am trying to find out exactly why the account did not graduate. The only thing they keep telling me is that its based on the overall interaction with the company. Since I have opened this card my account has never been late and I haven't had a bounce check or account in an overdraft status. This is a ploy for this company to keep consumers money. I have asked for details explaining this and have yet to receive an answer.
Product: Debt collection

Dear CFPF associates, In XXXX, I agreed to Credit Protector insurance for one of my XXXX credit card accounts only because I misunderstood or was misinformed about the cost. When the paperwork arrived, my wife informed me of the actual cost. I was going to cancel it, but my wife asked me to keep it. In XXXX, I was diagnosed with a new XXXX  and XXXX  disorder that I was unable to manage. In XXXX, I had to stop working and applied for XXXX XXXX XXXX. I continued to pay all of my debts as usual. My wife reminded me about the XXXX acct. with the Credit Protector and I applied for their job loss benefit in which they freeze your acct. In XXXX of XXXX, I received notification from Credit Protector that the job loss benefit was accepted and implemented. A few months after, I notified Credit Protector that I received a fully favorable XXXX XXXX XXXX ruling and sent them a copy of the ruling, SSA approval letter and the medical documents used to make the determination. I also applied for their Credit Protector XXXX XXXX XXXX benefit in which they pay the balance of your acct. over 24 months up to {$10000.00}. A few weeks after, I received a response from Credit Protector stating that they accepted my XXXX XXXX  XXXX status, but requested that my physician fill out and sign a form. After receiving the form, I dropped it off at his office. The following week, on my next appt., I reminded him about the form, he informed me that he couldnt do it. He stated that he doesnt do any of that paperwork for credit card companies, nor does he know any other neurologist that do, due to the risk of having to appear in court and being inaccessible, in case of a dispute. This is when all of the problems started. Attached is a narrative of what followed along with complaints to the parties involved.
Product: Debt collection

Credit Corp Solutions on credit report since XXXX I do not recognize this company.
Product: Mortgage

Hello, I make an auto pay from Wells Fargo Bill Pay recurring monthly. The money is taken from my account and documented, but Wells Fargo Mortgage N.A. says they did not receive payment. Call me daily asking for payment. applied late fees, lowered my credit score, and harras me. Wells Fargo mortgage said they are working on it but nothing is resolved. This is since XX/XX/22. This is my second complaint. 

I went to the local Wells Fargo branch and demanded a resolution or I was going to the authorities. 

To whom should I reach out in law enforcement and can you help me find a resolution?
Product: Mortgage

I was required to obtain an appraisal for my refinance. I did from XXXX XXXX XXXX XXXX XXXX ( XXXX ). The appraisal valued my property far less than an appraisal completed less than a year ago. XXXX Bank accepted my XXXX, which included the previous appraisal, and XXXX came back with the exact same appraisal. Even though the assigned lender from XXXX also questioned the appraisals value number, a XXXX XXXX refused to do anything about the appraisal, and refused my request for appeal. The value affects my points for the refinance.
Product: Credit card

This is a notice of a Fact. I have made several attempts in Good Faith expressing my concern with the Monthly Periodic Statement issued from Navy Federal Credit Union that is Payable to Navy Federal. The Apparent Face of the Periodic Statement is Defective. That fact is an implied Warranty. Therefore, New Balance Amount is incorrect or incomplete due to Default. The Default to the account payment is attached to card ending in XXXX. I have tried repeatedly to be responsible and have due diligence by Sharing this Important Information to Navy Federal for Correction Managed or Adjusted the Account for its Nature appropriately to stop infringement on the implied warranty to Confirm credit based on the Government Mandated Rate. Navy Federal failure to insure adequate performance in assuring all Payment Requirements being met in accordance to the Agreement leads to insolvency and by law an entry of discharge in bankruptcy. I truly want everyone to feel safe & secure and treated fairly and protected without any penalty in the present & future terms of the Condition. I wish to peacefully correct any wrong doings causing fault to payment and future use.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my confusion regarding your handling of the investigation into the fraudulent accounts on my credit report. 
I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding these fraudulent accounts. Following this, XXXX and XXXX promptly removed these accounts from their records. 

I also contacted the companies associated with these accounts, and they confirmed the removal from their records. Therefore, I am perplexed as to why your bureau continues to report these accounts. 

As a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only breaches this duty but also subjects me to further harm. 

XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Experian credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding inaccurate information in my credit report. I believe that this information is in violation of the Fair Credit Reporting Act ( FCRA ) and I am seeking its removal.Currently, it seems the CRA 's are trying to wrongfully initiate more disputes, when I have instructed them to remove the inaccurate and erroneous information. 

The information in question is : LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX This information is incorrect and has been removed from the two of three CRA 's. XXXX is the only CRA still reporting this inaccurate information. They continue to perform illegal disputes and investigations without providing any information. 

As you are aware, the FCRA requires credit reporting agencies ( CRAs ) to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports. Specifically, Section 623 of the FCRA requires CRAs to maintain reasonable procedures to ensure the accuracy of the information in their credit reports, as well as to reinvestigate consumer disputes if the consumer provides new information ( 623 ( a ) ( 1 ) and ( b ) ). Furnishers of credit information are also required to provide complete and accurate information to CRAs ( 623 ( a ) ( 2 ) ). Furthermore, CRAs are required to delete information that is outdated, incorrect, or can not be verified ( 623 ( c ) ). 

In light of these requirements, I demand that the negative information in question be removed from my credit report immediately. I have already taken steps to dispute the accuracy of this information with the credit reporting agency, but to no avail. I believe that this information is damaging to my credit standing and I am entitled to a fair and accurate credit report under the FCRA. 

I also would like to bring to your attention that I have also reviewed my rights under Section 609 of the FCRA, which requires credit reporting agencies to provide consumers with a notice of their rights when they receive a copy of their credit report. This notice must include information about the consumer 's right to dispute errors in their credit report and to request a credit score. Section 611 of the FCRA requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 of the FCRA requires CRAs to follow reasonable procedures to ensure the accuracy of the information in their credit reports. 

I kindly request that you take immediate action to investigate this matter and to remove the inaccurate information from my credit report as soon as possible. I look forward to hearing back from you regarding the resolution of this matter. 

Thank you for your time and attention to this matter.
Product: Debt collection

I have received letters in the mail from : Spring Oaks Capital , LLC in Virginia trying to collect monies. I have never done business with this company, nor have I ever signed a contract with them. I have been receiving threatening phone calls from XXXX and letters from these people. They now have 2 collections showing on my different credit reports, claiming that I owe them money, which I don't. The 2 banks they are telling me they work for happen to be 2 banks that I have current accounts with, both in good standing, never late on any payments, no issues. I'm XXXX XXXX XXXX and scared that they will ruin my credit or do something worse to my life. I have reported Spring Oaks Capital , LLC to the XXXX, filed a complaint.
Product: Credit card or prepaid card

The purpose of this letter is to complain regarding the practice of J.P. Morgan Chase requiring the postal submission from their online account holders to opt out of Chases arbitration agreement when such requirement is given electronically to account holders or when such opt out submission had been previously given. 
On XX/XX/XXXX, I, XXXX XXXX attempted to logon to Chases website to manage and to view my credit card transactions. I could not complete my logon procedure as I had previously done numerous times. I was presented with an online screen ( see XXXX XXXX XXXX Screen Shot for online access ) entitled Accept Disclosures and Agreement. I completed the both acceptance agreements after viewing and reading both of the documents and was given access to my online account information. I noticed on page XXXX of the XXXX XXXX XXXX ( see PDF file Opt out of Arbitration ) text pertaining to my ability to opt out of Chase agreement to arbitrate. I investigated the two website addresses given : chase.com and jpmorgainonline.com profile, to ascertain how to opt out of arbitration. There was nothing written or specified by which I could opt out of arbitration. I decided to telephone Chases Customer Service Department.

I telephoned Chases Customer Service at XXXX. I spoke with multiple Customer Service representatives. NOT one of the representatives was able to answer how I could opt out of arbitration. Therefore, I wrote a secure e-mail through Chases website complaining of my attempts to opt out of arbitration ( see PDF file Dens Chase E-mails XX/XX/XXXX & XXXX, XXXX ). My next step was to send my opt out letter through the United States post office ( see Scanned Dens 2nd Arbitration Letter ). 
I received a written response to my XX/XX/XXXX opt out letter from Chase on XX/XX/XXXX ( see Chase Response to XXXX 2nd Letter ). What is confusing regarding Chases response is whether my first attempt to opt out of arbitration, referenced as XX/XX/XXXX, is sufficient or effective for all future attempts by Chase to have an account holder opt out of arbitration? I would like a ruling or determination if an account holder is required to continually submit opt out of arbitration agreement each time a bank or financial institution submits updates or revisions to their disclosures or agreements? I suggest that documentation regarding opting out of arbitration clearly state that resubmission of letters opting out of arbitration are not required if previously submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has false information due to a report that I later found that is from fraud. I want this issue promptly resolved. The reported information is from TD Bank resulting in {$2200.00} and I also had a fraudulent charge from XXXX  XXXX XXXX resulting {$2600.00}.
Product: Credit reporting or other personal consumer reports

It is my personal statement that the inquiries that I have listed are a result of identity theft and are fraudulent and must be deleted within four business days of your receipt of this report pursuant to 15 USC 1681C-2 of the FCRA. Also, pursuant to 15 USC 1681e ( b ) of the FCRA, you must maintain accurate records of my personal information within my credit file. Update my personal information to reflect accurately within my consumer report. 

Please see attached identity theft report.
Product: Checking or savings account

On XXXX XXXX a fraud charge of {$650.00} was placed on my Ally debit card without my consent the card was lost and used. I filed a dispute and it was denied because the bank said i had 2 prior charges which i did not notice till after the dispute was already filed. Ally refuses to give me my money back on charges I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've notice  XXXX   XXXX  is associated with  XXXX    XXXX   XXXX  . The  XXXX   XXXX  stole my identity, by changing my date of birth on my   XXXX   credit report. My former employers have been changed from  XXXX   XXXX . All of my former addresses have been changed. Social Security have written me a query with all of my former employers ein # 's. They 've placed a seven year alert on my credit report & a monitoring service. Copies of my original mortgage was made with my signature. This is how they refinanced my mortgage with you &  XXXX    XXXX   XXXX   I used Attorney  XXXX   XXXX   XXXX  address to receive a copy of the invoice. The  XXXX   XXXX  is stealing my mail. I 've been under investigation by The FBI,  Secret Service &  The United States Attorney General  office  to learn what I now have knowledge of. They 've used my   XXXX    XXXX  child Power of Attorney to make these fraudgelant transactions. They filed my  XXXX  tax return using fraud information. My buy date was changed by the family to steal unemployment funds. Because my former employer  XXXX   XXXX  did not report taxes to  The Department of Labor.  My employee records was pulled also. The buy date was extended to  XX/XX/XXXX , it should have been  XX/XX/XXXX . They used Government funds to pay different mortgages with  XXXX    XXXX   XXXX  .  XXXX   XXXX    XXXX   XXXX   have also amended & restated all of my tax returns & made themselves my conservator. The company is a  XXXX . In  XXXX   XXXX   XXXX  used {$53000.00} of my employee owned senior preferred stock to sell my home. The  XXXX   XXXX  was in competition with  XXXX   XXXX  & they do n't know how the company is structered. They 've placed my life in jeopardy. The  Authorities  pulled my employee records from  XXXX   XXXX   XXXX    XXXX  . I 've been trying to notify all of my creditors. The  XXXX   XXXX   &   XXXX   XXXX  is trying to delete my history. I 've contacted  XXXX    XXXX   XXXX  . I would like to hear from you. The  XXXX   XXXX  had  XXXX    XXXX   XXXX   added to Bankruptcy court electronic data interchange in  XXXX . They changed the date of purchase to reflect  XX/XX/XXXX . That 's not true because I purchased the property that year with  XXXX   XXXX . They refinanced my home in  XXXX  & transmitted {$100000.00} to   XXXX   XXXX   from  XXXX   XXXX .
Product: Money transfer, virtual currency, or money service

I used the company to send money to my XXXX  but I accidentally put in the wrong name I put in my name XXXX XXXX but the actual name is my name XXXX XXXX  but I recently changed it to XXXX in order to resolve any confusion but the amount was {$180.00} and I need it back very much badly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX is blocking my credit file. 
I am attempting to dispute. XXXX XXXX XXXX 2 collection accounts and XXXX XXXX XXXX and National credit adjusters I want these 3 companies disputed as follows : I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Please govern yourself accordingly!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts # XXXX, XXXX has violated my rights 15 u.s.c 1681 section 602A states I have the right to privacy.

15 u.s.c 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Please delete and remove these inquiries. My information may have been impacted by XXXX data breach and my identity has been compromised which has made my sensitive personal information vulnerable. 

I have no open account ( s ) with any of this company : XXXX XXXXXXXX XXXX  XXXX Inquiry Date- XXXX XXXX XXXX XXXX Inquiry Date- XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX- Inquiry Date XXXX Additionally, I have NEVER been associated with the addresswhich is listed on my credit report : XXXX XXXXXXXX XXXX  XXXX, XXXX, Il XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Per , `` 15 USC 1681 A and 15 U.S. Code 1681i ( 7 ) A- Treatment of inaccurate or unverifiable information the information is found to be inaccurate or incomplete or can not be verified, ( I ) promptly delete that item of information from the file of the consumer. In addition, I did not give written permission to have these accounts furnished on my report.
Product: Credit reporting or other personal consumer reports

CFPB I have evidence consumers can being wrongfully harmed if something is not corrected. Credit agencies are stating scores are calculations. I have evidence below this is not possible. 

If credit scores are wrongly lowererd it can result in higher interest payments. This directly can harm consumers living expenses. if a family with children have score damaged by agency and did nothing wrong it can harm their ability to raise their children. this is real life. 

Experian provided the factual evidence CFPB needs to investigate what is happenig attached image evidence by experian XXXX. XX/XX/year> XXXX XXXX XXXX decrease by {$38.00} and experian added XXXX points score. credit bal on card {$31.00} XXXX. XX/XX/year> XXXX credit bal decreased by {$31.00} and experian removed XXXX ponts score. Credit bal on card {$0.00}. Paid in full. 

CFPB Look at the amount decreased {$31.00} and {$38.00} payments only XXXX days apart. paid ontime and my score XXXX? 

lenders use scores to see how reliable a consumer is at repaying. And can increase their payment interest. I made XXXX payments ontime and Experian changes my score saying im a riskier creditor how?. 

Scores also show the risk of a consumer to lenders. So I made XXXX payments {$38.00} and {$31.00} ontime reducing my credit exposure making my finances stronger. Experian 's response is changing my score saying XXXX riskier?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$2100.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been using Experian credit monitoring for over the past year to keep track of my credit activity. Although I was paying them and getting weekly or biweekly emails, they failed to find negative activity on my report. I was an authorized user on XXXX card and XXXX XXXX XXXX card without my knowledge. XXXX XXXX and XXXX had the correct info, But Experian did not. Therefore my credit was getting worse without me knowing although I had faith and I trusted this company to monitor my activity. I was not aware I was an authorized user even though I removed my name from those two accounts.
Product: Checking or savings account

I had fraudulent/ unauthorized charges put on my account XX/XX/XXXX for {$200.00}, I immediately called Chase to tell them this was NOT authorized. 
They transferred me to the online transaction claims department which is 100 % in the XXXX. I submitted a claim 3 times with these people who continued to tell me they verified the charges were authorized from XXXX XXXX. I do not have a XXXX XXXX  account, so I contacted them and gave them the card number that was used, they asked me if that card was associated with another account, I said NO. They then said the items were sent to an address in Georgia and my card number was associated with another account and they would handle it and I would be refunded. 
So why has Chase paid them saying it was verified? Why have the funds been taken out of my account and why is the customer service in other countries doing nothing? 
Im XXXX and will have to change banks after this experience. I have been a good customer for over ten years.
Product: Credit card

I applied for a credit card through XXXX for American Express blue cash card and was approved. When I called and spoke to customer service, they put me through to new card application. I spoke to a gentleman on the phone who did not understand the truth in lending act. He got me in contact with the supervisor, who then would not disclose to me if I was approved for 0 % APR as well as 0 % on balance transfers she also told me that she was not allowed to disclose my APR before accepting. She told me the only way that I would know my APR is if I accepted the card and that there is no way to disclose before accepting leaving all the risk within the customers hand. This is a foul and misleading way to trap people into accepting credit cards that did not Disclose any information about the card prior to accepting she also told me she could not tell me what the credit limit is and it only is available once the card is accepted