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

On or around XX/XX/XXXX, I purchased several furniture items from XXXX XXXX store in XXXX, Illinois. When my financing application was approved, I realized that XXXX customers finance accounts are being serviced by Wells Fargo ( WF ). Had I been advised prior to the transaction, I would have declined the financing and credit from Wells Fargo. 

After I purchased and received the furniture from XXXX, I then expected to receive a monthly statement from WF. On XX/XX/XXXX, I received my first statement from WF for the purchased items from XXXX. I was surprised when I noticed that my first statement has a past due amount of {$40.00} and a late charge of {$27.00}. I immediately called WFs customer service after XXXX ( CST ) on XX/XX/XXXX to notify them of the error, but the automated voice instructed me to call during business hours. 

On XX/XX/XXXX at around XXXX, I called WFs customer service again and the call was routed to the XXXX. I spoke with a gentleman named XXXX who agreed to waive the late charge as long as I pay the past due balance. I refused to pay the past due balance noting that there should not be any past due balance on my account because the account is new and it is the first monthly statement. In addition, I asked that the late charge be removed immediately including the derogatory notation of a past due charge indicated on the account. 

Further, I also declined to provide my personal, sensitive information to an offshore WF representative for fear of identity theft and potential misuse of my personal information. I told the offshore representative that I prefer to set up a WF account online and pay there instead in order to make a record of my payment. I have every intention of paying my debt to XXXX through WF and will pay said debt as long the amount and records are accurate. I attached a copy of my first bill from WF with the account number and my address redacted for security reasons. Please investigate on this matter and contact me for any additional information you may require to assist you.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Under 15 U.S.C. 1681e ( b ) I am writing to dispute the accuracy of certain information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they provide. I believe that XXXX XXXX EQUIFAX has failed to uphold this standard regarding the following items on my credit report : XXXX. XXXX  XXXX XXXX - Status showing AccountCharged Off. 
XXXX. XXXX  XXXX - Status showing Open. 


The information listed above is inaccurate and negatively impacts my creditworthiness. I am requesting that you conduct a reasonable investigation of these disputes, correct or delete the inaccurate information, and provide me with an updated copy of my credit report once the changes have been made. 

I expect a response within the 30-day period as required by law. If these inaccuracies are not removed, I will consider all available remedies to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX {$1400.00} XXXX  XXXX {$790.00} XXXX  XXXX {$390.00} XXXX XXXX XXXX {$26000.00} XXXX  XXXX {$870.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX  XXXX {$89.00} XXXX  Payment XXXX {$810.00} XXXX XXXX - XXXX {$840.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX & XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the *Experian. XXXX and XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( clients email ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, My name is XXXX XXXX, and there are XXXX hard inquiries on my Transunion credit file. The inquiries are XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. I have called these companies, and they have told me that they have anything in their systems says that I applied for their services. I 've called Transunion multiple times trying to get these inquiries removed. They told me to call the companies, but this has not helped. I would like all of the inquiries removed from my credit file within 5 business days of this complaint. My phone number is XXXX. My email address is XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, and Proof of Address with my most recent bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently, in XXXX the escrow account for my mortgage increased without my prior knowledge or notification from my mortgage company. I made the regular payment and noticed my credit score dropped in XXXX. Mind you, I have pridefully increased my credit score by almost XXXX points to secure funding for a XXXX that I want to buy in the community that I live in. I called the mortgage company to inquire on the late payment and they said that my payment was {$50.00} short, and they will not remove the late payment from my credit report.
Product: Vehicle loan or lease

XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, IN, XXXX ( XXXX ) XXXX XXXX XX/XX/year> Credit Acceptance Attn : Customer Service XXXX Disputes Department XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Dispute of Repossession, Late Payments, and Request for Full Deletion of Account I am writing to formally dispute the repossession of my vehicle, the late payments, and to request the full deletion of the account from my credit report due to Credit Acceptances failure to fulfill its legal obligations. 

The vehicle in question was repossessed on XX/XX/year>, and I contend that this action was conducted negligently and in violation of my rights. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive a right of redemption letter notifying me of the opportunity to redeem the vehicle prior to repossession. To date, I have not received such a letter, which I believe constitutes a violation of the law. This failure has directly impacted my credit report and my financial situation. 

Additionally, I would like to bring your attention that the repossession occurred just one day before I was about to file for bankruptcy through the Upsolve process. This timing disrupted my ability to proceed with my bankruptcy filing and further compounded my financial hardship. I believe this unfair timing, combined with the lack of proper communication from your company, contributed to the late payments on the account. 

Given the circumstances, I am requesting that the entire account associated with this vehicle, including the repossession and late payments, be deleted from my credit report. This request is based on the failure of Credit Acceptance to properly follow the required legal procedures, which has negatively impacted my credit and financial standing. 

I have emailed the company directly and will send certified mail very soon.
Product: Credit reporting or other personal consumer reports

Accounts listed in my credit report are not true and accurate with erros and are also not reportable according to statute. 
I have repeatedly Disputed XXXX, XXXX, XXXX, and XXXX seperate instances via certified mail, XXXX instqnces Via Telephone and, XXXX Via Online dispute, the agency to Verify and if not able to verify, or show the proper method of verification to delete however they are not complying, responding to notices or correcting. 
This is causing major hardship and the inability to appropriatly take care of my family! 

Account/Order/Tracking number : XXXX Experian : XXXX  XXXX  XXXX- # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - # XXXX XXXX TransUnion XXXX XXXX  XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Agency, TransUnion XXXX Equifax XXXX Experian, XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XXXX  Creditor information XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  Creditor information XXXX  Hide Details XX/XX/XXXX XXXX  XXXX  XXXX  Creditor information XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Banking Creditor information XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX Banking Creditor information XXXX XXXX  XX/XX/XXXX XXXX  XXXX  Creditor information XXXX  XXXX XX/XX/XXXX XXXX XXXX Creditor information XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXXXXXXXXXXXXXX 

Creditor information XXXX  XXXX  XXXXXXXXXXXX. 

XX/XX/XXXX XXXX XXXX XXXX XXXX Creditor information XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Creditor information XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX Banking XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XXXX  Creditor information XXXX  XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX  Creditor information XXXX  XXXX  XX/XX/XXXX XXXX XXXX Miscellaneous And Public Record XX/XX/XXXX XXXX/XXXX XXXX  And XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Banking
Product: Debt collection

On XX/XX/2023 I a correspondence to the credit reporting agency reporting this debt for validating documents ( an original consumer contract with my signature, Pay-off Discloser, Interest Rate Discloser, Balance History, Payment History, and Credit Insurance ) to validate this debt which I have yet to receive.
Product: Checking or savings account

I keep on trying to log into my account via the website. Every time I enter my user name and password, I get a page that says " We're sorry, we hit a snag Looks like something went wrong, but we're working on it. Give it another try in a bit. '' I have restarted my password. Cleared my browser, history, cache, etc. 

I know this all my data was reset, because every other site that I use that requires a user name and password, I had to re-enter. 

I've been trying this for a few weeks now and want to access my account. Prior to this, I had no problem so I don't know what CapitalOne has done to cause this issue but I need it resolved so I can manage my account and finances. If that's not possible, I'll have to find a different provider where the online system does work.
Product: Student loan

Dear To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans in the amount of {$21000.00} due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. 

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

I have tried for over the past two weeks to get Experian and XXXX  to correct an error of my credit report. I settled a debt with a collection agency. The collection agency sign a settlement agreement and sent documentation that explicitly stated the account has been paid in full and there is no balance due. The account is to be deleted from my Experian and XXXX  credit reports. Instead of these two agencies deleting the account from my credit profile, the balance was adjusted reflecting the settlement payment and leaving a remaining balance due. I have spoken repeatedly with representatives from both agencies and have not gotten any results. I do not understand why these agencies refuse to comply with the wishes of a creditor. The creditor has settled my account and approves deletion, yet the credit reporting agencies have refused to comply. This is very stressful and these agencies are not willing to assist in correcting this matter.
Product: Checking or savings account

Hi there, I was a member of Chase Bank for over 2 years. On XX/XX/2020, they told me my account was restricted and I could no longer login. I called the number they provided, and it routed me to fraud prevention. I was told they are not at liberty to tell me why my account was being closed, but that I could go into a branch and withdraw my funds. I went into the branch, and they are not releasing my money. They say it needs to be verified- but would not provide me an exact date. I have {$660.00} in my checking account and {$3500.00} in my savings. Ive tried calling 3 additional times and keep being hung up on. I am helpless : this is a global pandemic and I cant access my money.
Product: Credit card

I have contacted Bloomingdale 's customer service department four times about this matter and I have been continually lied to about this matter being resolved on my next statement. It still is not resolved four months later. With this letter I am asking for your help in finally resolving the issue. 
I put jewelry charge of {$4000.00} ( {$3700.00} after using {$220.00} worth of rewards cards ) on my club account on XX/XX/2016, but returned the jewelry on XX/XX/2016. The credit was applied to my regular revolving account by the sales person even though I asked her at the time to make certain that the return be taken off the club account. Ever since my XXXX statement, the charge has appeared on my club plan with a balance. 
After every monthly statement received, I have called, spent an hour on the phone with customer service. I am promised that the charge on the club plan will disappear and everything I 've paid will be re-routed to my revolving balance or my other club balance. My newest statement still has the charge and nothing has been credited to either the other club plan purchase or the revolving side of the account. 
All this time I have been paying for something I returned in XX/XX/XXXX and all the money I 've paid is being diverted from balances to which payments are intended. A customer service person even LIED to me and told me the charge had just been credited the day before when I called at the end of XX/XX/XXXX after I received my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent out several letters to all three of the credit bureaus letting them know that a lot of the information they are reporting on my consumer credit report is inaccurate. Such as Experian has my mother 's name in place of my name and for allis have my correct name in place of that. Also, Experian, XXXX, and XXXX  have closed accounts and payment history on closed accounts in which I've attached with this complaint. all listed in my consumer credit report. I have sent copies of my Driver 's License with current address listed on it. I've sent copies of my social security card and bank statement that fell on blind eyes. All three of these credit bureaus sent me stall tactic letters and postcard letting me know that I didn't send them any proof of my identity and wants me to re-send the information to give them more time. Every time I send in the requested information in, either XXXX  doesn't respond back to me and when they do, it's way past the 45 days with again, send them proof of my identity. This is a bunch of bull and they know it. I have signed United States Postal Signatures from Experian, XXXX  and XXXX  that they did receive my disputed letters with proof of my Identity attached to the letters. I'm really surprised by XXXX  because I sued them back in 2018 and won by default. I'm not willing to go through this sending back and forth for something I've sent time and time again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against [ XXXX  & Experian ].

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with [ XXXX  & Experian ] to date. 
I am requesting your assistance in putting an end to this matter. 


. I have never heard of this company nor have I ever done business with them XXXX  Account Number : XXXX Prove to me that I legally have a binding associate with you because i didnt go into debt with you I defaulted with the original creditor so show me where you extended credit to me I have never heard of this company nor have I ever done business with them XXXX XXXX Account Number : XXXX Show me that you have to right to attempt to collect this alleged debt and that you are attempting to collect is it even from the right person I have never done business with this agency. 
XXXX XXXX Account Number : XXXX Send a validation of debt letter to prove I owe money them money simply stating that this is a verified account doesn't change the fact that I dont know what iti or why it is on my credit report I need to see everything you've verified this account with XXXX XXXX XXXX XXXX. 
Account Number : XXXX
Product: Vehicle loan or lease

I contacted Mercedes Benz Financial Services on XX/XX/XXXX and requested a letter of no interest for my car that was paid of in XXXX of 2010. They took the information and assured me I would received the letter in approximately 2 weeks. I did not receive it, and contacted them again on XX/XX/XXXX. They once again took my information and told me I would received it in the mail. I did not receive the letter. I called them again on XX/XX/XXXX, and requested the letter be emailed to me. Someone named XXXX took my information and told me I would receive an email within XXXX hours. Once again, I did not receive it. I called again on XX/XX/XXXX. The person I spoke to told me I would receive the emailed letter by end of day XX/XX/XXXX. She also assured me she would call and follow up on Saturday and Monday to make sure I received it, and she did not call. So I called again on XX/XX/XXXX at XXXX a.m and spoke to XXXX. I tried to escalate to a XXXX, but they transferred me to subject matter instead. Again, I was assured I would receive the email within XXXX hours, and did not receive it. I have tried to call XXXX twice today to follow up, and she is not returning my calls. I spoke to the XXXX about how I can clear my title to sell the car, and they said the only thing left for me to do is seek legal advice, so that is what I am going to do!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine and its a big mistake. I want to get rid of this mistake in reporting. Someone, I believe used my personal information and created this fake account. I disagree with it and have all the rights to get rid of it. Pease help me and remove it from my [ rofile.
Product: Checking or savings account

I had a legitimate ACH Debit transaction on my account on XX/XX/XXXX for the amount of {$2500.00}. The amount got debited from my Bank of America account but did not make it to the destination. 
The destination bank wants the " ACH tracer number '' to troubleshoot the transaction. I have called Bank of America multiple times on XXXX XXXX  and XX/XX/XXXX to get this number. I also requested Bank of America to open a dispute on this transation. 
Every time I called BofA, I was asked to call XXXX to open the dispute. However, the person answering then tell me that they need to transfer me and then it goes into another long wait. Then I either get disconnected and not get a call back or the next person that answers is from the same department and tells me they need to transfer me.

I am unable to open a dispute or get the ACH transfer number to open the dispute with the receiving bank for this {$2500.00} transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in numerous dispute letters and validation letters to Equifax Information Services, LLC. Equifax Information Services, LLC does NOT investigate XXXX XXXX XXXX Equifax Information Services , LLC sends back a letter stating that the account was verified. I then send in a letter to see how the information was verified and I never receive a response back. The law states that the consumer has the right to request validation. 
The Fair Credit Reporting Act 15 U.S.C 1681 is the written law and Equifax Information Services, LLC is breaking the law by not abiding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax for a collection item that is reporting on my credit report that is not mine. I provided an ID theft affidavit and proof of my identity. The item is still reporting on my credit report despite several efforts to remove it. After calling the Credit Bureau on the phone they stated that the reason is the Identification I sent was not legible, even though the copies I have are clear. I have attached the proof of identity information that I sent to Equifax. I hope that you can help me resolve this matter.