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

Ive had Wells Fargo since XXXX I opened my first account jointly with my mother due to being a minor at the time however Wells Fargo took advantage of me and opened over XXXX or so accounts with my knowledge etc however back in XXXX of XXXX I reached a settlement with Wells Fargo mediation department the agent was XXXX XXXX however when I settled with Wells Fargo I was told all negative items would be removed mind you we settled in XXXX of XXXX fast forward to XX/XX/XXXX I am still having issues with opening a bank account or saving account with Wells Fargo or any other financial institution because I am on XXXX however mind you I was suppose to have these accounts cleared when I settled with Wells Fargo mediation department this has caused me so much stress I had to buy a safe to keep cash since I cant open a saving account I receive denial letters from Wells Fargo informing they cant open my account due to bad banking history with Wells Fargo or its Affiliates I pulled my XXXX XXXX report and it shows nothing but Wells Fargo I have spoke with Wells Fargo collections department Wells Fargo charged offs department and I have no accounts so I can confused and concerned what is being reported
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated FTC rule of 30 days to investigate the claim. They have responded with a result that they have investigated the claim. however they have not investigated the claim at all. A credit inquire i requested investigation from equifax was never investigated and 24 hours after the request they responded that it was verified.

the example above just one of the cases when they did not take the request to investigate seriously,
Product: Bank account or service

I closed my bank account at Commerce Bank in XXXX 2014 - 9 months ago. ( they are a regional bank and i moved across the country XXXX miles from their nearest location ). I recently got a credit report and i noted that Commerce was reporting a 180 day past due balance. I am unable to log into an online portal to see my account balance because my account was closed 9 months ago.
Product: Debt collection

In XXXX of 2022, I started working for this company called XXXX. It's a company that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm an XXXX XXXXXXXX with this company that XXXX XXXX XXXX XXXX XXXX XXXX About a week after I started working, I was in a car accident in Texas. The accident damaged the driver 's side mirrors on mine and the other vehicle. I notified the company 's claims department that informed me that it'll be taken care of. 

Sometime last week, I received this letter in the mail. It states that XXXX XXXX sent this claim to their collections department and threatens to have my driver 's license suspended until its paid. This is the first time I'm hearing about this and why wasn't it sent to XXXXXXXX XXXX Claims Department instead of me? So far, I haven't paid it nor have my license been suspended.
Product: Credit reporting or other personal consumer reports

According to the FCRA, if there are inaccuracies between the XXXX bureaus, that it be updated or deleted. I sent out disputes time and time again and to no avail has anything changed with this XXXX XXXX XXXX XXXX XXXX This account has been removed from my Experian report, yet it is still active on Transunion and Equifax reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Response to the letter I was sent form United States bankruptcy XXXX XXXX XXXX of Wisconsin office of clerk dated XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and Equifax have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account was removed from my credit on XXXX. However, my credit score only increased by 5 points. It should have increased by 23 points, since a collection account was removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX # XXXX recently reviewed my credit report and I found unauthorized account on records etc., In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent.. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all unauthorized an have no Permissible use. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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. 1681s-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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on please validate an delete at once
Product: Prepaid card

On XX/XX/year> I attempted to use a {$100.00} American Express gift card my mother gave me for XXXX. I am an attorney. I made repeated attempts to make purchases at XXXX XXXX online for less than the amount on the card. XXXX XXXX accepts American Express gift cards. American Express declined my XXXX separate attempts to make online purchases. When I called customer service, they informed me that due to security measures the card was declined, and they would not refund my money. I asked to speak to a supervisor, and he repeated the same statements made by the rep and again indicated no refund could be issued for the card amount. Both reps were unable to tell me what specific details led to my card being declined. I know from past experience that Am Ex gift cards are declined almost everywhere, even when I have used them in person in stores. This company is scamming and defrauding consumers such as my mother by selling these cards and then setting up a system that declines all purchases, rendering the card useless. It is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( US DEPT OF EDXXXX ) .... has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days. Ive already included this in my previous complaint # XXXXXXXX XXXX XXXX XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX The following personal information is incorrect Former : XXXX, XXXX XXXX. The following personal information is incorrect Former : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX  XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

10. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report.

11. The status is incorrect for the following account DE
PT OF EDUCATIONXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. late payment status is invalid and inaccurate. you must have maximum accuracy in reporting it. please delete.

DEPT OF EDUCATIONXXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

13. violation of 15 usc 1681e ( b ) faling to provide maximum possible accuracy. This must be dele
ted DEPT OF EDUCATIONXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

14. 15 USC 1681i ( 4 ) client privacy information. Delete this item immediately XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

15. 15 USC 1681i ( 4 ) client privacy information. Delete this item immediately XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Vehicle loan or lease

My complaint relates to interest and excessive late fees. 
On the interest rate issue, the contract my wife and I signed on XX/XX/XXXX stipulated that the total payments ( interest and principal ) will be {$33000.00} ( XXXX * XXXX ). See attached copies of the contract. For the last payment, Honda made us pay {$600.00} ( see the attached Finance Account Overview ). Instead of paying a total of {$33000.00} as stipulated in the contract, we ended up paying {$33000.00}. 
I called Honda on XX/XX/XXXX to inquire why {$600.00} and not the {$560.00} we have been paying since XX/XX/XXXX. The Honda representative I spoke with stated that it had to do with interest. What interest? She gave a convoluted answer. When I requested to speak with a supervisor, she declined. 

On the excessive late fees, I have written to Honda executives ( here in the US and XXXX ) to waive the fees. All my correspondences and request fell on deaf ears.
Product: Credit card or prepaid card

I filed for bankruptcy in XXXX  and this card was included in the bankruptcy but the same card is showing on my report as open and in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX, account # XXXX ( XXXX Bank ) has violated my rights. 

In accordance to the Fair Credit Reporting Act XXXX, account # XXXX ( XXXX XXXX Bank ) has violated my rights. 

In accordance to the Fair Credit Reporting Act XXXX, account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please check on that and remove them from all the 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Product: Checking or savings account

XX/XX/year> - Charged {$36.00} Overdraft Fee twice on the same day. 
-Account Statement reflects balance in good standing on XXXXXXXX XXXX XXXX 
These overdraft fees need to be reversed. 

XX/XX/year> - Charged {$36.00} Overdraft Fee twice on the same day. 
- Account Statement reflects balance in good standing on XX/XX/year>. 

XX/XX/year> - Charged {$36.00} Overdraft Fee twice on the same day. 
- Account Statement reflects balance in good standing on XX/XX/year>. 
These overdraft fees need to be reversed. 

Total of {$210.00} of overdraft fees were incorrectly and unlawfully assesed against my account.
Product: Credit card

Discover Bank Credit Cards claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 Sec 2071 and 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 Sec 471, 472, 473 and/or 513 and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of Federal Racketeer Influences and Corrupt Organization ( XXXX ), U.S.C. Title 18 Sec 1961.

Furthermore, the fact that the United States is in Bankruptcy and Discover Bank Credit Card, is an Agency within the United States, you are also in Bankruptcy and illegally trying to collect payments outside of the Bankruptcy, the IRS is the accountant for the Bankruptcy and I will be sending an adverse claim for the IRS to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed information on Experian credit report about XXXX XXXX XXXX mortgage. The mortgage was included in bankruptcy discharge XX/XX/2015 and the account still has the activity from prior bankruptcy being reported. When attempting to dispute - prompted that unless new information was obtained, new investigation not available. 


1. The first investigation was not updated. 
2. The accounts activity, history and balances are being reported incorrectly 3. The account is closed. 


per FCRA : This item ( s ) is ( are ) inaccurate because ( list exactly why each item is incorrect or incomplete for instance, The debt was included in my bankruptcy and is only allowed to be shown as a XXXX balance-discharged in bankruptcy. No other negative information is allowed to be listed on that trade line. 

Further all other accounts that were included in bankruptcy are being reported this way and need to be reported correctly.
Product: Debt collection

For the past 2 years I have been trying to get this problem resolved. There are two accounts on my credit report that are not mine. I have requested that they be removed several times via dispute and I have requested proof and documentation that I applied for these loans. I have yet to receive the proof that I asked for because I have never applied for or received any loans from the two places. 

XXXX XXXX and a company called XXXX XXXX are saying that I took out a loan with them, I have been on Social Security since XX/XX/2013I do not have an Income to even afford a loan of any type my income won't even get me approved for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2020 until the current date of XX/XX/2020... XXXX, Transunion XXXX  XXXX have continually made erroneous reports of late child support payments on my credit report with inaccurate dates without my permission hurting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Colections : XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Equifax XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Due to the passing of our father, my sister and I as trustees on our parents account went into the branch at Chase bank on XX/XX/22 to provide my fathers death certificate and remove my mothers name due to her inability to manage her account and to safe guard this trust to ensure that no one can cash checks, remove funds, or take any action on the trust account without either trustee being informed and present, etc. We went through great lengths to ensure that no funds would be able to be removed by our mother. About a week later ( the bank should have the date ) {$2700.00} was withdrawn as my mother was taken to the bank by someone. I immediately called the branch when I identified this happened and opened a complaint by speaking with the branch manager there, but he had zero urgency. He did a conference call with someone in the complains or escalations department to open the case. During that time I had asked for a video of this taking place and was told we would need to file a police report for the video NOT for Chase to investigate why they gave funds from the trust to someone who did not have authorization to write a check against the account. No one reached out to myself or my sister to this date. I called the branch several times nd was told they would not investigate without the police report # however, I advised the branch manager that a police report ( even though we did file one ) was not necessary to investigate what went wrong with Chase internal processes in that they gave money out of our account to my mother. I then called and opened a complaint with Chase corporate and called today to check on the status and when I asked for a manager AFTER they validated my account, identify, etc. the representative put me on hold then disconnected me. Now, if it was not intentional she would have called me back but has not called me back and I told her how critical this was as money was dispersed to someone that it should not have been as neither trustee on the account signed the check for dispersement. I called the local branch 15 times and no one answers, I have all of the call attempts on my phone as an artifact. In addition, I went into the branch at XXXX and XXXX XXXX and the gal there told me indeed she could see it was Chases fault as they did not flag the main screen for the teller to see so she added a flag to the main screen the teller sees. Bottom line is the {$2700.00} needs to be placed ack into the account on Chase 's dime as this is egregious and a complete break down of oversight and has to be a non-compliant matter to dispense funds on some ones account who did not in any way approve this transaction. No one should have their funds at Chase bank. Even after this was reported even the branch manager at the XXXX XXXX XXXX branch did not go back into the account to ensure it was updated appropriately, I had to take my time off work to go into a branch by my home to take care of this for a second time and I am not even sure it was done correctly the second time I went in.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to a Late Payment for XXXX XXXX XXXX XXXX Credit Card. Per attached screenshots, my credit reports show the following : TransUnion : XXXX 2022, 60 Day Late Payment XXXX : XXXX  2022, 60 Day Late Payment XXXX : XXXX  2022, 90 Day Late Payment Due to these reporting inconsistencies and inaccuracies, please update my account to as paid on time. This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

Per CUSHMAN v. TRANS UNION CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. ''