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

I went to make a payment threw Home Depot 's automatic phone system, XX/XX/XXXX, it would not take the minimum amount it was telling me because it did n't pick up my voice. It then put me with a representative and she then told me my minimum payment was {$110.00} and if I did not pay that I would have another {$35.00} fee, after the automated system said it was {$60.00}. I then threw speaking with her found out that I have been making the minimum payments from what I 'm being told by the automated system and am getting charged a {$35.00} late fee since XX/XX/XXXX 2017 because  apparently it 's not the amount they expect from me. I was angry and hung up. I then waited untill Thursday XX/XX/XXXX when my payment is always due thinking maybe the system would then tell me the {$110.00} was due. As of XXXX it was still telling me the minimum payment was only {$60.00}, not the {$110.00} the representative told me. I spoke with another representive and after a half hour I was told that they would only refund me 1 late fee and my interest. They have charged me over {$200.00} in fees and they only wanted to refund me {$47.00} ... I did not receive any refunds. I hung up and said I would be reaching out to everyone and anyone to hopefully get the help because of what they have done to me and god knows who else. Also I want to add that I have never received any bills from them, never even thought about it because I receive everything threw my email. I told them this and they are supposed to be sending me all my bills. I hope I canget some help.
Product: Checking or savings account

Due to willful laziness and lethargy, two fellow Wells Fargo employees provided fraudulent misinformation that if not caught by a diligent employee on the XXXX  Banking team would have led to a significant financial loss by me as a customer or the bank. On Saturday XX/XX/2023, in accordance with instructions on the Wells Fargo Internet website, I went in person to a bank branch in XXXX North Carolina at XXXX XXXX XXXX XXXX XXXX at roughly XXXX XXXX local time. In blatant violation of Wells Fargo financial security procedures and presumably only because this employee just too lazy to work her actual workday, a XXXX lady banker said I actually had to call in to increase my wire limit and could not do this at a branch. This was just a blatant lie - I had to come into a branch for this type of request for obvious security reasons. I did in fact call the main number though. A phone banker then said I had to upgrade to XXXX  banking to increase my wire limit and there would be no fees for this since I was a team member - both statements which were also blatantly false. Only when I was transferred to the XXXX banking team did the XXXX phone banker correct willful and fraudulent misinformation conveyed by two of our fellow employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXXXXXX XXXX  Account # 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: Debt collection

On XX/XX/2021, I received an alert that Enhanced Recovery Company has added an account with an alleged debt on my credit reports. I never received a dunning letter from them to allow me to request that they provide me with the proper documentation to validate this alleged debt. I know for certain I never any business with Enhaced Recovery Company. I need them to close this account with this alleged debt and delete it from my credit reports. 
Account : XXXX Amount : {$2000.00} " open date '' reporting : XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

Chex Systems , Inc. 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX i contact check Systems so many time the is report XXXX bank account on my name its not correct i ask them for copy the account agreement the never provide the need to immediately do fear credit report
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date XXXX Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB I am writing to formally dispute an item in my credit report under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681 ( o ), which establishes civil liability for negligent noncompliance with the provisions of the FCRA. This law holds entities accountable for improperly handling or failing to properly investigate information that negatively affects my credit history.

As outlined in 15 U.S.C. 1681 ( o ), if an entity fails to comply with the investigative requirements or correct errors in a timely manner, they are liable for the consequences of that failure. I believe that the incorrect information not only negatively impacts my credit score but also violates my rights under the FCRA.

I kindly request that an immediate investigation be conducted into this matter and that corrective measures be taken to rectify any inaccuracies in my credit report. If this matter is not resolved promptly, I reserve the right to pursue any necessary legal actions under the law.

I look forward to your prompt resolution of this issue. Thank you in advance for your attention and cooperation.

Sincerely
Product: Checking or savings account

Is JP Morgan and Chase XXXX Bank. I don't have access to my main investment accounts. I need access to all my accounts. I don't have access to the JP Morgan and Chase XXXX XXXX I don't have even access to the XXXX XXXX XXXX with JPMorgan and Chase XXXX are the insurance agency forest that I don't have access to? None of my accounts with JP Morgan and chaseco and I need access to all of them
Product: Credit reporting or other personal consumer reports

I put a credit freeze with Experian during the pandemic on their advice. Their website shows options to initiate a freeze and lift freeze. 
On XX/XX/24 my furnace was inspected and I was informed it needed to be replaced. The company ( XXXX XXXX ) attempted to run my credit for financing purposes but it showed the credit freeze. I went to the Experian website to lift the freeze, which I assumed would happen immediately just as initiating it did. After 30 minutes it was still not lifted so I called Experian. The representative informed me it would be at least 48 hours, or I could pay a one time fee of $ XXXX to have it lifted immediately. I opted to wait 48 hours and asked the furnace rep to return after that time on XX/XX/24. When he did the freeze was still not lifted. I called Experian again and this time was informed I needed to submit a request in writing and there was a 2-4 week wait for a response. This means I will lose the short term discount available on the new furnace installation, and cost me several XXXX dollars. I find this unacceptable on many levels, particularly when they said they could lift it by extorting additional money from me. Do I have any other options, or any recourse against this?? Your help would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I have spent hours upon hours on the phone with XXXX  and the credit reporting Bureau 's. I will try to break down each point of discrepancy below : Issue 1 : The first date of delinquency on documents sent to me by XXXX was on XX/XX/XXXX. That is over 7 years, and most reporting agencies would have removed this from my credit. XXXX never reported this date, and when I dispute their reporting, they add worse items onto my credit, even after they previously reported them as correct. Both of which should violate the FCRA. 

Issue XXXX : My original line of credit ( XXXX ), which was opened in XXXX of XXXX, was never late, would take money out of my checking automatically to avoid any late payments, and was suddenly closed by XXXX. A new account was then opened without my knowledge. I do not think the setup was the same, XXXX  can not confirm if any changes were made, and I also requested proof of where I signed anything to start the " new '' line of credit account, and have received nothing. If they can not prove this was an error on their end, I believe this is another reason they should remove my account from all credit reporting. 

Issue XXXX : Their employees on the phone are unable to see most of what I am disputing. They also have told me conflicting information from what the credit reporting agencies tell me. They say the fall off date is the date on which the account was closed ( which they have changed several times with the credit bureaus ), which the bureaus state that the fall off date would be from the date of first delinquency ( which was over 7 years ago showing as XX/XX/XXXX ). As of now, I still have all of my accounts with XXXX. They send me pre-approved offers for credit cards and the same line of credit, but they belittle me when I try to ask for information/documentation, etc. on the phone. I need someone to verify what they are doing is indeed in line with FCRA policies, and intervene if they can not answer the points I have outlined above. Also, this account is paid in full, I owe them no money, they just tell me to " go to your local branch '' and obtain documents that they themselves can not see. If that is the case, how is this information being verified?
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX BANK XXXX Balance {$2500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$14000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$13000.00} Open Date XX/XX/XXXX XXXX BANK XXXX XXXX {$0.00} Open Date XX/XX/XXXX XXXX Balance {$40000.00} Open Date XX/XX/XXXXXXXX XXXX  Balance {$2000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX {$220.00} Open Date XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

Long ago, when I lived in XXXX, XXXX, I opened a Roth IRA CD at Suntrust Bank. That bank is Truist. I received a letter in the mail saying that my CD has matured and to contact them to roll it over. Ive called my local branch and Truist customer service explaining to them that I want the CD rolled over into a CD that pays a higher interest rate than 0.01 %. Everyone tells me they can do nothing for me unless I physically go to my bank branch. I now live in XXXX, XXXX miles away from my branch. Ive tried and tried to get someone to help me, but no one can. They say I must fly XXXX miles to get a problem corrected for a CD worth {$3400.00}. I may never be back to XXXX, XXXX, so I can never have access to my money.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$33000.00} XXXX XXXXXXXX Balance : {$5800.00}
Product: Checking or savings account

Hello, I was a Compass/BBVA account holder for over 20 years and have been mired in the PNC transition for almost a month now. Since XXXX I have been denied access to my personal account, money market account, and primary business account. I have only had access to a single business account that I very infrequently use. 

On XXXX I was told the IT department was having some issues transitioning all of the accounts and it should be resolved before the end of the week. 

On XXXX I visited a local branch and was told the same story- they were overwhelmed with issues and working to resolve it. I went to make a cash withdrawal, my driver 's license had expired 30 days prior and I have an appointment with the DPS for it's renewal. In spite of my BBVA debit card and new PNC debit card in my possession and presented to the teller, due to my expired driver 's license the tellers would not allow me to make a cash withdrawal without a 2nd form of ID. 

On XXXX I spoke to my local bank manager again about my lack of account access, but this time I was told they needed to submit a " link request '' to the IT department on my behalf in order to link my missing accounts. I was told this process would take 5-7 business days. 

As of XXXX nothing has changed and I have received zero communication from PNC about the issue and/or their attempts to resolve it. Multiple requests for support that I submitted via the app and through the on-line portal have never been responded to. 

I would close my accounts, but having never expected this issue I have not downloaded my financial data and transactions for 2021 taxes. I fear if I close these accounts before receiving full access from PNC I will never be able to access this information again in the future.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. Account Name : XXXX & XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX 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. Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional I am asking that theses accounts be investigated and deleted off of my credit report immediately. I do Not owe theses debts and i am requesting a cease and desist immediately
Product: Debt collection

Did n't know this account existed. I always carried and provided medical insurance/ XXXX to the hospital. Hospitals never called, either.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XX/XX/XXXX XXXX has violated my rights. 

EQUIFAX XXXX XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Checking or savings account

Capital One bank failed it's due dilligence with a checking account I forgot I had. In a process what is called " escheating '' banks are required to turn over funds from the inactive account and close the account after 5 years. I'm enclosing proof that I had an old XXXX checking account from XX/XX/XXXX to XX/XX/XXXX. This is longer than the 5 year period detailed under Florida Statute 717.106. To make matters worse, Capital One kept this account active for over 5 years WITH ONLY A SINGLE CENT IN THE ACCOUNT. Yes, there was only XXXX cent in the account. When I realized this, I closed the account. Capital One failed to act, and as a result they are saying that I'm not entitled to a New Account XXXX XXXX  ( See CFPB complaint XXXX ) because I had this previous account that I was unaware of.
Product: Credit reporting or other personal consumer reports

Capital One auto finance indicates on my consumer report that was written off in XXXX ; but was recently updated to reflect the status of the account as being open. This is inaccurate. If theres an open account, it does not belong to me. I do not have an open auto loan with Capital One. Is this a result of the breach of data? As a result, this needs to be removed from my consumer credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted letters identifying the errors on my credit report in hope of resolving the errors. I have provided ample information to identify myself. I have discussed the errors over the phone with the major credit bureaus. I have shown them in numerous instances where the information is erroneous. Please see attached letters. 

On XX/XX/year> I submitted another letter to the FCRA section 611 ( 15 u.s.c. 1681 ( 1 ) and the accepted standard of XXXX XXXX data field reporting. challenging the erroneous data in hope of making sure my credit is in good standing. Please see attached letters corresponding with dates. 


On XX/XX/year> I voiced my concerns regarding the validity and accuracy about recent preliminary inquiry of the accounts reported on my credit report. About 30 days ago and did not get any response.
Product: Credit reporting or other personal consumer reports

According to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, it is a legal requirement for you to physically verify the original signed consumer contract for any accounts that you include in a credit report. Failure to do so could potentially lead to the inclusion of fraudulent accounts submitted by individuals paying for your reporting services. I Requested verifiable Proof such as 1. Name of the original creditor 2. Creditor 's address and telephone number 3. Name of the person with whom the dispute was verified 4. Documentation used to verify the dispute 5. An original consumer contract with my signature, to be provided for the account mentioned below.

They verified the accounts and updated them without providing one piece of evidence proving that these are in fact my accounts. I'm taking legal actions against them for failing to abide by Fair Credit Reporting Act.
Product: Debt collection

I seen this derogatory mark in my credit report called Transworld Systems INC and they could provide any information about me. I asked them to remove the mark from my credit and they have not done so.
Product: Credit reporting or other personal consumer reports

The following information and credit card accounts currently listed on my Innovis Consumer Report Case ID : XXXX is fraudulent and inaccurate accounts and information : XXXX XXXX XXXX Account : XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, Account : XXXX, XXXX XXXX , Account : XXXX, XXXX XXXX XXXX, Account : XXXX, XXXX XXXX XXXX, Account : XXXX, XXXX XXXX, Account : XXXX,
Product: Credit card or prepaid card

I checked my credit report and noticed a recent credit card opened for US Bank, I have never applied for this card. It dropped my score by XXXX points. I have tried several times to contact US bank and the hold time is over an hour. I need this off my report, and investigated to see whom initiated this fraudulent credit card under my name.
Product: Mortgage

Facts from the payment records and statements : 1- The first PMI payment was done on XX/XX/2021 for PMI due date XX/XX/2021 I have paid all the dues from any previous time 2- There is a double PMI payments of amount {$47.00} happened for PMI due date XX/XX/2021. First was done on XX/XX/2021 and the second was done on XX/XX/2021. 

I called the company and stayed with them for over than 3 hours. They kept giving me justification totally against the written dates in the payment records. 
There is an extra PMI payment that need to be refunded based on the records. I contacted the company in writing through the online contact email and over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and sent XXXX certified letters to Comenity Bank regarding an incorrect missed payment report, but they have failed to take proper action. Despite disputing the inaccurate information with XXXX, Comenity only added a false statement in the comments section that the missed payment was due to a natural disaster, rather than fixing the issue. 
I made a payment of {$250.00} on XX/XX/2022, and have enclosed proof of payment and bank statements that were sent to Comenity Bank. I have now disputed this for the fourth time with XXXX and also with XXXX and XXXX. XXXX corrected my payment history with Comenity to reflect timely payments, but XXXX 's investigation is still ongoing. My main concern is with XXXX, as they have not properly investigated the report despite being provided with the XX/XX/2022 payment amount and dates from my bank statement. 
This is the second time that Comenity Bank has reported a false missed payment on my account, which I have had to dispute. I have never faced such issues with other banks, only with Comenity. Their refusal to correct the incorrect information and own their mistakes raises a major concern.
Product: Checking or savings account

XX/XX/XXXX - received string of emails alerting me and confirming a new account being opened XX/XX/XXXX - received paper statement in mail XX/XX/XXXX - went to bank to explain that I didnt authorize the account to be opened ; got directed to their fraud department who found that my social was attached to the account XX/XX/XXXX - started calling financial institutions to freeze all accounts
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There are several accounts and inquiries that dont belong to me nor did I authorize!!