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

I cant open any bank account at all in chase bank, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is showing that 2 of my accounts with them as being closed. they are showing that these accounts are in Chapter XXXX and /or that they have been discharged. 

These accounts are not in Chapter XXXX and nor has any one of them has been discharged.. 

First they were showing these accounts as being delinquent, but they were never delinquent. The status of these accounts should show that they are open. 

This is my second attempt to get this corrected, but Wells Fargo is playing some sort of game with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting two accounts with XXXX XXXX XXXX XXXX both accounts start with XXXX and both are showing a late payment as of XX/XX/2016 as 120 days delinquent. Both accounts opened XX/XX/2016 which if doing the math there is no way possible that is accurate. First there were NO LATE PAYMENTS ON EITHER ACCOUNT and secondly to say an account that just opened was 120 days late when only opened for 3 months is completely wrong.
Product: Credit card or prepaid card

On XX/XX/XXXX, I sent a debt validation letter along with an Affidavit of Truth with an opportunity to cure to Discover Financial Services. On XX/XX/2021 I received a notice from my credit report that my Discover account had been closed while still having over {$4000.00} of unused credit left on the card. I called and spoke to a Discover representative who informed me that the account was only closed in order to investigate the complaint filed to the CFPB. 

On XX/XX/2021, I received a letter stating that my Discover account was closed with no further explanation. After being hung up on 3 separate times, I spoke to a representative who informed me that my account was closed due to " malicious practices '' and that I had stated that I was not going to pay the alleged debt. However, I never stated that I would not pay the alleged debt. I sent a letter in asking for specific documents to be returned to me in order to validate the alleged debt. I was told that someone would contact me back in 72 hours with further explanation on the closure of my account. 

After 72 hours, I never received a call back. I followed up with another phone call on XX/XX/2021 and was held on hold for 40 minutes while being told that the supervisors were looking for the correct department to send me too. I was hung up on and never received a call back from any other Discover representatives. 

Discover closing my account has withheld me providing for my personal and household needs. I was never given a proper nor valid explanation as to why my account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
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 ) Original XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$36000.00}
Product: Credit card

I had a credit card account with XXXX. 

XXXX has gone bankrupt and closed. They sold all their debt to SST - Systems & Services Technologies. They closed credit lines and my account simply should have shifted into repayment only. 

My interest rate when the debt was sold was 13.99 %. It is a fixed rate. 

SST is in violation of servicing the debt they purchased, as they increased the interest rate to 19 %. They are in violation of the terms of the account and are gouging assuming they will get away with it and nobody will report them. 

They even say in their " welcome '' letter that NO TERMS OF YOUR AGREEMENT WITH XXXX HAVE CHANGED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call XXXX, Transunion XXXX and sent Certified mail Identity Theft Report. About fraudulent XXXX account on my credit report XXXX XXXX Cell phone {$4700.00} XXXX I file a report with FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling in to Experian since I am a member of their service daily credit score and they will not let me dispute inquiries that I was not aware of. XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018, XXXX/XXXX  XXXX on XX/XX/2018 and XXXX on XX/XX/2018. I would like to Dispute these inquiries. I was not aware of these inquiries, or when they were submitted but on your Disputes page it doesn't allow me to dispute these. Please do not touch any of my Accounts, I am disputing the Inquiries only. I have already talked with these companies, and notified them. None of my accounts that are showing currently are incorrect at this time. ONLY the inquiries. 

Please dispute these inquiries! Thank you for your help.
Product: Credit card or prepaid card

Today, XX/XX/2023 I called to make a credit card payment. They will not send me a statement as they say my card is restricted. I wasn't sure when the bill was due, but last month it was due on XX/XX/XXXX so I figured I better call. The due date this time was XX/XX/XXXX. The problem is I applied for this card on line and was immediately accepted. I was sent the card in XXXX, I believe. It was an interest free card for a year so I used it quite a bit. Then, there was a charge I didn't make and Capital One rejected it, which was great. Normally, in my experience, when this happens the credit card company shuts down that account and simply sends you a new card. Capital One put my card in a " restrictive '' mode and wanted me to send a slew of documents to prove my identity I guess. I drew the line at wanting my social security card and my bank statement. I told them that that's ridiculous and I'm not sending that to them. That's fine if that's somehow their policy. I don't need this particular card. All I want to do is set up an auto payment and get a statement in the mail because the on-line option will not allow me in. I was told that I couldn't do either of these things because my card is " restricted ''. It should be illegal that I can't get a statement. I have no idea if they're putting other charges on or what. I was also suppose to get a {$200.00} credit if I spent {$500.00} within a period of time which I did but have no idea if they'll honor that since I can't see a statement. Also, would like to know the due date. It just seems crazy that I have so much trouble just trying to pay them off. I hope you can help me or refer me to someone who can. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Bank/Target is reporting on my XXXX credit report that an account was closed due to XXXX XXXX BK filing. The BK filing occurred in XXXX and XXXX  in XXXX. This account with TD Bank/Target was on the list of creditors, however, TD bank never properly closed the account until SEVERAL years later. Now it is appearing as a bad debt. I have tried to contact TD Bank to resolve this and they advised they can not speak to me because the account is showing it is in bankruptcy. XXXX is unable to make any changes at my request and suggested I submit a compliant to CFPB. The other two credit bureaus updated the account properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this back in XXXX XXXX it now has been 4 times and they will not send me a wet copy of the original sign contract per FRCA SEC 61 .A 1.A. 609 5A. IF NOT RESOLVED soon I will file suit in 30 days ill have no choice covid 19 Nd this forced lockdown with no work no one to help and the3se negitive items that are not true now the SBA w0nt give me a grant im drowning no help n n0 0ne cares please help you could be my finL hope.XXXX XXXX XXXX account # said xxx. XXXX please delete
Product: Credit reporting or other personal consumer reports

Looking over my credit report and found various violations that have been keeping me the consumer from getting credit. I have disputed these issues several times and have came to the point that there has to be a resolution to these violations that you the credit reporting agencies are reporting unlawfully. According to the fair credit reporting act 15 USC, 1681 section 602 ( a ) states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness in impartiality, and a respect for me the consumers right to privacy. I have the right to make sure my private information is in shared which is backed by 15 USC 6801 that states it is the policy of all Congress that each financial institution has an affirmative and continuing obligation, to respect the privacy of his customers, and to protect the security and confidentiality of those customers nonpublic personal information. These are all financial institutions by under the title 15 USC 1681 section 604, section 2 states that in general subject to subsection C, any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the written instructions of the consumer, to whom it relates, the financial institution and the consumer reporting agencies. XXXX does not have my consent to furnish this information, and they surely do not have my written consent. In all consent to XXXX and any furniture, whether it be verbal nonverbal, written implied or otherwise revoked. 15 USC 6802 ( b ) ( C ) states that a financial institution may not disclose non-public personal information to a non-affiliate third-party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 USC 1681C ( A ) ( 5 ) states acceptance authorize under subsection B no consumer reporting agency may make any consumer report containing any of the following items of information, and other adverse items of information, other than records, of conviction of crimes, which antedates the report by more than seven years. These accounts are adverse items. They are reporting again without my permission, which is against the law 15 USC code 1681S-2 ( a ) ( 1 ) a states, 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 in accurate. 15 USC code 1681E states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title, and to limit the furnishing of the consumer reports to the purpose listed under section 1681B of this title. XXXX is not maintaining reports to the purpose listed under section 1681B of this title XXXX is not maintaining reasonable procedure And it states that a consumer may exercise the right to opt out at any time. I have a attached a copy of the violations. Please remove these accounts from my report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Every three months for the last two years someone tries to open a credit card in my name through chase bank. It's always a XXXX card and I have to call chase they have removed some of them but not the last three there still on my report ... .. please help Dates are XX/XX/2018, XX/XX/2018 and XX/XX/2018
Product: Debt collection

Equifax has violated the XXXX act by reporting XXXX accounts that I have no knowledge of. XXXX XXXX  and I was never entered into a contact and would like to see the signed agreement. They have have violated my right to privacy by sharing my medical data.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX - XXXX - {$0.00} Late Payment XXXX XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - {$25000.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$12000.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

( LVNV FUNDING LLC ) at ( XXXX XXXX XXXX XXXX, SC XXXX ) has been calling Me, for the amount of {$3300.00}. 
After I ask multiple times to stop calling, I had to change my phone numbers XXXX times so i could stop receiving calls, now they find my new number and they call then hang up. I do not know this company. I have never done any Business with this company. This company does not have a contact with my signature.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, I am writing in regard to a student loan that I recently discovered has been reported as defaulted and transferred to collections under your agency. I was unaware of this debt and the default until I reviewed my credit report. I am requesting clarification and resolution regarding this matter. 

I moved to XXXX, Nevada, in XX/XX/year> and never received any written notices or communication about this debt at my current address. It appears that attempts to contact me were sent to my previous address, and as a result, I was not made aware of this issue. Upon contacting your agency, I learned that a message regarding the account was sent, but I had no knowledge of it due to my relocation. 

I am requesting : -Validation of the Debt : Please provide detailed information regarding the debt, including : -The original creditor and loan account details. 
-A detailed history of payments and any missed payments. 
-All attempts to contact me, including dates and methods used.
Product: Student loan

On XX/XX/2019 I submitted an unemployment deferment form and I spoke with a customer service rep regarding the required documentation. I downloaded the document he explained to me and uploaded it into Nelnets system.I checked on the status today and instead having a communication that I could read on this is an alert on my account : We have finished reviewing the documentation for your repayment plan, deferment, or forbearance request, and were sending additional information your way. Keep an eye out for an email or letter from us. My account info is : XXXX XXXX, Acct # XXXX, SSN XXXX, addy : XXXX XXXX XXXX XXXX, XXXX  XXXX MN XXXX.The reason I am filing a complaint is there is no reason why I shouldn't be able to access the additional information on my account online inisteads of having to wait for snail mail or an email that should have been sent yesterday and was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I filed a dispute number XXXX with Equifax Credit Bureau to start an investigation into an inquiry placed on my credit report by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. # XXXX, XXXX XXXX, NV XXXX, XXXX. XX/XX/2019, the results came back stating that " inquiries are a factual record of file access. '' I assume this means that the information gathered by Equifax Credit Bureau was inconclusive to overturn the removal of the inquiry. In the letter, they provided me with the creditor 's name, address and phone number which was an option for me to contact XXXX directly. On XX/XX/2019, I contacted XXXX XXXX XXXX directly at XXXX. I spoke to a representative and was transferred to the Owner Services Department. After giving them details for the reason of my call, I was given a phone number and was ask to call the Recovery Services Settlement Department at XXXX, leave a message and they would return my call. This all started when my wife and I attended a time share presentation on XX/XX/2019 in XXXX XXXX, SC. I didn't sign nor authorized anyone to pull my credit but by the time I got home I noticed the unauthorized inquiry by XXXX XXXX XXXX on my report. I decided to file a second complaint with Equifax. The dispute number XXXX was filed on XX/XX/2019. As a result, I have been unsuccessful getting this unauthorized inquiry removed by Equifax Credit Bureau and XXXX XXXX XXXX. Your assistance will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX all we notified by the CFPB of disputed information on my consumer report, but none of the three companies responded within the 30 day timeframe given by congress. This is against the laws of the FCRA.
Product: Credit card

I made a purchase of {$760.00} which was flagged as fraud by Chase bank and declined in XX/XX/year>. The company sent me a notification that the transaction would not be processed unless I processed it again which I did. I found out I was charged for both instances of the transaction. This was a service I purchased which I did not use. When I tried disputing it was a 4 month process that ended without the amount being refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report that does not belong to me. My information was obtained under false pretenses.That is fraud. There is also a name and address that needs to be removed and there are unauthorized inquiries as well. I reached out to the company and I've been waiting for a response. Also there was an alert on my credit report that said on XX/XX/XXXX I opened up an account with XXXX XXXX XXXX, I opened no such account, this is fraud. I contacted the bank and they said someone in Michigan opened up a business account with my social. I made a complaint online and will be going to the bank tomorrow to make a formal complaint. These fraudulent accounts and inquiries have affected my credit report in a negative way and my credit score has been affected in a negative way as well. These accounts do not belong to me and the information they have provided has not been properly verified. This is fraud as well. If they respond saying that these accounts were verified. I would like to know how they verified these accounts. How my information was obtained. I would also like to know the name of the person who verified the information along with the the company who furnished the information to the credit bureau and legal action will be taken at that point. This is my second complaint and attempt to rectify the situation and nothing has been done. I made a complaint and that complaint was sent to the creditor and they took my address off of the complaint and updated it in their file. They were allowed to steal my address and update their information because they never had it. I have no lien against me nor have I been to court or had a judgement placed against me for any reason, so this harassment and this falsely verified account is illegal.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I attempted to purchase XXXX tickets to the Broncos/chiefs game in XXXX from two separate individuals and was scammed by both. The first did not send any ticket through XXXX as promised and the second individual sent scanned tickets through email that when I got to the XXXX stadium ( 1.5hr drive ) I was told they were not authentic. Both individuals blocked my number and would not answer when I called from a different phone.
Product: Credit reporting or other personal consumer reports

As per my written request of XX/XX/2024, the following debt collection agencies and credit bureaus have ignored my request and ignored the law by not submitting to my request for debt validation of the debts being reported on my credit report. 

the DEBT COLLECTION companies in violation of the law include VXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX