23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In putting together it's response to complaint XXXX, Wells Fargo just sent me ( and my ex-wife, who isn't on the loan since modification and hasn't been involved in this fiasco since XX/XX/XXXX ) a letter explaining that although they hoped to have a response to me ( when in fact the response is due not to me, but to you, the CFPB ) by XX/XX/XXXX, it looks like it may take until XX/XX/XXXX. 

Given that we've caught them in quite the series of lies, that's fine. Lawsuits will wait. 

Here 's the thing : aside from the gravity of the underlying complaint, aside from their inability to put together a timely answer, and aside from the fact that they DON'T MENTION THE CFPB AT ALL, as if I'd merely called to inquire about the status of a loan application ( not shocking considering the esteem in which the hold the CFPB and the government ), the truly shocking thing is this : They sent the letter to the house from which they evicted me and my children. 

If there is any entity, individual, or consciousness ( poor choice of words on that last one ) that knows I don't live at XXXX XXXX XXXX, it is XXXX XXXX. 

There are truly, truly, no depths of ignorance and inhumanity to which WF will not sink.
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted Citibank customer service at XXXX to discuss Citi 's proposed terms and conditions changes. My call was routed to an XXXX based call center where the agent immediately cancelled my account. I do not believe the XXXX call center representative understood XXXX XXXX and or XXXX English-slang. My account started in XXXX was cancelled and Citi won't reinstate it. 

Reading the second page on Citi 's terms and conditions brochure, Citi has violated my Consurer Credit Protection Act rights under the federal Equal Credit Opportunity Act. Essentially nearly every category of violation prohibiting creditors from discriminating based on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has entered into a binding contract ) for an existing account occurred. 

Citi 's offshore call XXXX call center won't help. Citi 's onshore representative stated " nobody ever reads the terms and conditions '' -- but I do and did. I should not be penalized for an account in good standing with Citibank. At having to start a new can and wait another ( XXXX ) years for it to have the tenure my Citi card had is just unacceptable. 

Please intervene and force Citi to respond to this complaint. 

Regards -- XXXX XXXX PS Contact today by voice message, text message and e-mail Citibanks XXXX ( XXXX XXXX XXXX, Senior Vice-President ( XXXX / XXXX ) in an attempt to have this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to rent an apartment so yesterday XX/XX/20 I applied at XXXX  XXXX  XXXX   and when my credit report came back I was told that I did not qualify to rent there due to an account reflecting badly on my credit. The account is from XXXX XXXX for {$1000.00} ; this account is not mine. I never opened it and I never allowed anyone to open it in my name. I have no idea why its on my credit history or who could have opened it using y personal information. I did not benefit anything from this account being opened in my name nor do I have any type of written or verbal contract with that company. I have already filed a police report and a complaint with the CFPB regarding this unauthorized account.
Product: Credit card or prepaid card

I am a XXXX student, have two accounts with Synchrony bank and both accounts have similar issues of illegal service fee and overcharging. 

I paid off my Chevron card account having {$500.00} limit, had a {$0.00} balance. In late XX/XX/2020, I received an email asking me to pay {$62.00}. I contacted the bank on XX/XX/2020 and asked where this amount came from, the representative said it was a fee from card security. I said that I never asked for card security added to my account and how could you charge a huge amount on a {$0.00} balance? The rep was not able to satisfy, so, I requested him to close the account and said I will report to Texas Attorney General 's office. 
I thought my account was closed at my request but I was wrong. 
A few days ago, I received a notice from my credit card company that my credit card limit was reduced by almost 75 % and my credit score dropped by 92 point on XX/XX/2020. 
Synchrony intentionally punished me for my request to close the account by messing up my credit score and I am not able to finance a vehicle due to a 92 points drop in my credit score. 
It's a serious matter which needs to be investigated, my credit report needs to be fixed immediately or I will file a case against Synchrony bank.
Product: Vehicle loan or lease

I have an auto loan with Ally Financials. Ive fallen behind on payments but have always tried my best to pay something. On XXXX separate occasions, Ally violated the law. Ally financial contacted a family using their skip tracing method to get in touch with me/my husband. I called to let them know to stop because they dont know if the person they are reaching out to us is an ex-family member or not. Ive called on XXXX separate occasions to ask them to only call the number listed on the account and no more skip tracing. Today Ive had enough. They called someone else again, not an authorized person on the loan. 
- XXXX instance - XXXX instance XX/XX/2022. 
- XXXX instance XX/XX/2022. 
- XXXX instance XX/XX/2022.
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> AND XX/XX/year> AND XX/XX/year> ALL AMOUNTS WAS XXXX I HAVE SET OFF THE ACCOUNT IN GOOD STANDING WITH A XXXX AND A 1099A AND 1099C THE COMPANY HAS NOT SET OFF THE DEBT AND CALLING MY PHONE EVERY OTHER DAY THREATING TO REPO MY VEHICLE, THEY NEVER SENT 1 FINANCIAL INSTRUMENTS BACK AND REPORTED ME TO THE BUREAU, I FILED A COMPLAINT WITH ALL 4 BUREAU 'S RECIEVED A EMAIL TODAY STATING THEY WILL NOT REMOVE THE INACCURACY OFF MY REPORT MY SCORE HAS DROPPED DRASTIC BECAUSE OF THE REPORTING I NEVER APPROVED, PLUS THEY HAVE SENT ANOTHER REPORTING TODAY TO THE BUREAU 'S STATING DELINQUENT MY SCORE HAS DROPPED 3 MORE POINTS TODAY.
Product: Debt collection

According to my XXXX  and XXXX  Report the creditor is saying I owe {$14000.00} for an account they are saying was opened on XX/XX/2019 from XXXX  ( according to their notes ). However,  the creditor is unable to verify the debt or provide any documentation.
Product: Credit reporting or other personal consumer reports

OBJECTIONS to Transunion XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas, XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ).

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation.

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

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

On XX/XX/2021 700 CREDITXXXX XXXX has accessed my credit report. I have never contacted or seek to get any kind of financial product from the company. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
Product: Checking or savings account

Its started with me wanting to buy a XXXX XXXX XXXX   for my girlfriend. I went on offer up and I see a person who I thought was legit. His name was XXXX and the XXXX was for XXXX. I press to buy it on the app but dont work so we used XXXX and that dont work. 
So well did XXXX for my bank chase. I did because I believe they will hold the money and no give it to him and believe chase is very secured. He send me a request under the name XXXX XXXX with the number ( XXXX ) XXXX on XX/XX/2020 For 4XXXX for a XXXX XXXX. 
I accept he received that same day in real time. But claim he dont receive anything. So I called the bank 7 time through the XX/XX/XXXX-XX/XX/XXXX and they said they cant help me and they cant hold the money in real time and they cant give me my money back to even if its a chase to chase account transfer. And the person still claimed that he dont receive anything and also wanted me to send more money to show me how the process should be. I file a report for fraud because I believe he stole for me. But even if he dont he dont receive the money Where is the money because its not in my account. I have been robbed and the bank I trust dont help me in nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX  XXXX XXXX FRAUDULENT items to appear on my credit reports : I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX, IL XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ Equifax information services LLC ] [ XXXX XXXX XXXX ] [ XXXX, XXXX  XXXX Subject : Dispute of Incorrect Personal Information on Credit Report Dear [ Equifax Information Services LLC ], I am writing to formally dispute inaccurate personal information that appears on my credit report. I recently reviewed my credit file and found errors in my personal details that I would like corrected. 

The incorrect information includes : [ Incorrect Name ] ( should be [ XXXX XXXX XXXX ] ) [ Incorrect Address ] ( should be [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ] ) [ Incorrect Social Security Number/Date of Birth ] ( if applicable ) [ Incorrect Phone Number ] ( Should be [ XXXX ] ) Enclosed, I have provided copies of my identification and proof of address to verify my correct information. Please update my credit file accordingly and send me a confirmation once the corrections have been made. 

I request that you investigate this matter promptly, as per the Fair Credit Reporting Act ( FCRA ), and provide me with a written response regarding the outcome of your investigation. 

Thank you for your time and assistance. Please feel free to contact me at the phone number or email address listed above if you need any further information. 
Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed my XXXX XXXX card was not reporting accurately. My TransUnion report says I have late payments in XX/XX/XXXX and XX/XX/XXXX which is completely inaccurate because this account was always paid on time. My XXXX report shows it correctly with no late payments. Ive attached both reports so you can see the inaccuracies. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments. Im now requesting you investigate this account and update both payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$25000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$32000.00}, XXXX XXXX XXXX XXXX Balance : {$20000.00}, XXXX XXXX Date XXXX Balance : {$83000.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$10000.00}
Product: Credit reporting or other personal consumer reports

Ive recently sent in letters to ( XXXX, XXXX or Experian ) about inaccurate personal information on my credit report. They still are continuing to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2. 

My only and and current Address : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX My Date of Birth : XXXX  Last 4 of Security Number : SS # : XXXX
Product: Checking or savings account

On XXXX XXXX XXXX a fraudulent transaction in the amount of {$1000.00} was posted to my account with Capital One checking and I called that day to dispute the transaction and shut off my debit card. On XXXX XXXX XXXX Capital One credited my account {$1000.00} while starting the investigation. On XX/XX/XXXX, without any warning or any communication from Capital One on the matter, capital one reversed the credit to my checking account causing my account to go into the negative. I immediately called to see why they reversed the credit only to be told that the investigation proved that I made the transaction. They have still not credited the {$1000.00} back to my account nor have they provided me with any details on their investigation or asked for any supporting information on my part to prove I didn't make the charge. I don't even know what XXXX XXXX ( the transaction name ) is but if it has anything to do with XXXX, I can prove that I have never spent a dime through that site.
Product: Debt collection

XX/XX/XXXX , {$35.00} The company gave me a credit limit of {$400.00} I have been using this account from day  one. B ut this is what I have been running into lately. This company says that they have sister companies.   XXXX   XXXX   did the same thing with me. After being approved for credit, then I am told they can not allow me to order anymore because of a bill I had with a sister company in  XXXX . I paid that bill off with  XXXX . Now   XXXX   XXXX   is doing the same thing and I owe them no old account. They are because I owe an old bill with a sister company, even though I pay them before my account is due. They will not release an order for {$35.00} to me. I do not understand their method of business can you please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX notified me that a new collection had been added to my account, who is owned by XXXX.I was unable to file a dispute, donot know the reason.XXXX XXXX, bought my account from XXXX XXXX XXXX, who had already listed this account on my report, listed that I owe them {$590.00} in XX/XX/XXXX, XXXX has listed the same debt for the same amount of {$590.00}, which is a duplicate, of the same debt.I told them these account are duplicates and it is illegal to list them twice, and needs to be removed.All 3 of the credit should be notified, and take appropriate action.XXXX listed the debt on XX/XX/XXXX. 
I can not request a copy of my credit report online from XXXX, for years, because they have the incorrect security question.I have contacted them in regards to this matter, and it has not been corrected.They also ask incorrect question, in regards to my past place of resident. 
I contacted Experian also, no response to date. 
There is also a debt for a payday loan, that I have written to these credit bureaus, multiple times, and it has not been corrected.I told them, I donot owe the amount listed, these people are rip-offs, and you pay them interest, and still have not paid the debt off.XXXX XXXX has listed I owe $ XXXX.They only lend me {$250.00}, and I paid {$300.00} for months .I donot owe XXXX XXXX any money.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian for XXXX accounts that I have updated. XXXX XXXX settled for {$360.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX paid in full, and a payment of {$240.00} made on my XXXX XXXX XXXX XXXX My problem is they responded in 3 days with information on file correct. Normally a dispute will take 30 days but it seems they didnt even take the proof of payment into consideration or even investigate it at all. I sent my information because Ive had such a bad history with my information being inaccurate.
Product: Prepaid card

I have Robinhood account XXXX XXXX stock bonds others and XXXX day I can't go through like I XXXX XXXX password I change app can't go through so I stop trying XXXX times XXXX try to call email Robinhood but no respond the email me telling me something but it doesn't work finally I camey email XXXX I went through this time to my XXXX things change my Ira not there my XXXX dollars I sold my XXXX that I want to transfer withdraw didn't work for a long time is XXXX No More I was shock XXXX my account no is different XXXX I many change but my cash is gone XXXX Ira account please help.my email XXXX I have to use XXXX To work my account Robinhood I need to get my money back bec he has card in there individual spending like automatic XXXX they didn't even know me Like they erase my account no XXXX on my beneficiaries my families were erase XXXX it was all kinds of death date XXXX all Like that I have schedule XXXX according to XXXX XXXX they told me it's all sold out ask ur brokerage so I saw it before XXXX I can't even sell XXXX withdraw bec it's all in option margin I never did all those XXXX I told them that too
Product: Credit card

My name is XXXX and XXXX XXXX I filled a complaint with the CFPD on XXXX for unauthorized XXXX payments form my Business and Person Checking account to XXXX XXXX XXXX XXXX XXXX Complaint # XXXX and since my last time XXXX XXXXXXXX XXXX XXXX BANK have XXXX XXXX more ach unauthorized payment form my personal account. XXXX for XXXX and XXXX for XXXX I have since put a permanent STOP PAYMENT FOR XXXX XXXX XXXX XXXX payment due do Fraud caused by XXXX XXXX XXXX XXXX Bank. I have Closed my XXXX XXXX card .I have sent several request for information as to how XXXX XXXX XXXX  XXXX Bank are going to restore all the security damage they have caused. I am still in limbo as they just keep telling me the issue is under investigation. At this point the criminals have become more bold with the theft they have caused myself and XXXX XXXX XXXX XXXX XXXX XXXX be willing to allow this to happen But ..But.. I am in fear for my personal and financial safety due the the indifference to XXXX XXXX XXXX XXXX Bank. The total amount of attempted theft to my bank account stands at {$23XXXX} I hope someone can help me fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
XXXX  XXXX Account # XXXX... 

The above accounts have violated my rights according to 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 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : Transunion, XXXX, and XXXX. I have informed the consumer reporting agencies Transunion, XXXX, and XXXX  by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).