23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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



TransUnion ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i called the XXXX number for aidvantage XXXX XXXX XXXX to verify debt that was reporting on my credit report and asked for account number to this debvt. the representative told me that she could not find my name in the system and that she could not give me a account number because i did not have one. and asked for my social to '' verify debt ''.
Product: Checking or savings account

To Whom It May Concern, I hope this email finds you well. 



In the XXXX XXXX I received a promotional snail mail from TD Bank. Then, I used TD Bank 's website for the promotion : checking & savings account bonus for {$500.00}. I applied it then I sent a secure message to customer service to confirm my eligibility before I deposit any funds and set up direct deposits. I got a reply from XXXX ( XXXX XXXX XXXX XXXX ) with a confirmation message and the deposit requirements as you mentioned. You can see our secure messages and transactions & statements in the attachments. I completed all of the steps & requirements within 3-4 months. After 4 months, she told me that I am not eligible for the bonus anymore but TD bank sent me the promotion via snail mail first and I double-checked with customer service to confirm my eligibility before I do any deposits. I always do this. 



This is a serious click-bait scene. If I wasn't eligible, you'd have told me in the first message before I do my deposits. There is a serious unethical non-customer-friendly practice right there. Otherwise, I'd close my account without depositing a penny or keep it as a regular checking account. Excuse my language but, they made me feel like a stupid customer. Personally, It was quite insulting. You also cut a lot of maintenance fees from my account instead of giving the bonus. I paid the fees for sure... I'd like to get my {$300.00} checking and {$200.00} savings bonus ( totaling {$500.00} ) promotion to cover my losses and dignity. 



I tried to resolve this issue with customer service but we got no response at all. I tried to get help from Massachusetts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but she never heard back from TD Bank as well. In the meantime, You did a similar click-bait to my wife as well with no bonus at the end. We wanted to give TD Bank another chance but TD bank betrayed us again. We are working with a lot of banks, investment & wealth management corporations, and brokers. We always receive our bonus for security transfers, direct deposits, savings accounts, etc. 

In the end, they never did what TD did. Unfortunately, this clarifies TD Bank 's unfair business practices with these bonus offerings to gain ( or click-bait ) new customers. TD Bank should avoid these unfair business practices. Please understand my great frustration! 



Thank you for your time and consideration. You will see the bank statements and my confirmation messages as PDF attachments. 



Sincerely
Product: Credit card

I am writing to file a formal complaint against Citibank regarding a recent and sudden reduction in my credit card limit without providing the requisite 45-day notice, as outlined in 1026.9 ( g ) ( 4 ) ( i ) of the Consumer Financial Protection Bureau 's regulations. This action deprived me of the opportunity to reject the change, which is my right according to 1026.9 ( h ) ( 1 ). 

On XX/XX/2023, I received a notice from Citibank informing me that my credit card limit had been reduced, with no prior communication or warning. This sudden change has not only caused immediate financial inconvenience but has also raised concerns regarding Citibank 's compliance with federal regulations that protect consumer rights in the financial sector. 

Under 1026.9 ( g ) ( 4 ) ( i ), credit card issuers are required to provide cardholders with a minimum of 45 days ' notice before any adverse changes to the credit card terms. However, I was not afforded this courtesy in this instance. This lack of notice left me with no opportunity to evaluate my options, potentially seek alternatives, or reject the change should I have chosen to do so, as granted by 1026.9 ( h ) ( 1 ).

I believe that Citibank 's actions are not in accordance with the regulations put in place to safeguard consumers like me. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that Citibank complies with the established federal guidelines. I also request that Citibank reverse the credit limit reduction and provide the required 45-day notice as outlined in 1026.9 ( g ) ( 4 ) ( i ) so that I may have the chance to make an informed decision regarding my credit card account. 

I appreciate your attention to this matter and look forward to a swift resolution in accordance with the law.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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

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

There are 8 accounts on my credit report that are not mine I have not applied used or know of these accounts I need them off my credit report ASAP!!! 

XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX - Acct # XXXX Amt {$5800.00} XXXX  XXXX - Acct # XXXX Amt {$14.00} XXXX XXXX - Acct # XXXX Amt {$330.00} XXXX XXXX - Acct # XXXX Amt {$790.00} XXXX XXXX XXXX  - Acct # XXXX Amt {$130.00} XXXX XXXX - Acct # XXXX Amt {$1100.00} XXXX. XXXX - Acct # XXXX Amt {$330.00}
Product: Credit reporting or other personal consumer reports

Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 1 ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes ; Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ;
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX - XXXX XXXX Account Number : XXXX
Product: Credit card

Wells Fargo will not provide me a copy of the merchant receipt they say I authorized. They say I must accept what they decided without providing physical proof. I asked today again for proof and was hung up on it. 


Wells Fargo Claims Assistance Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount {$240.00}
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my Gmail emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX  - Date of inquiry : XX/XX/2023 XXXX XXXX  - Date of inquiry : XX/XX/2023
Product: Checking or savings account

I am writing to formally express my concerns regarding Wells Fargos handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the XXXX platform. Despite using Wells Fargo numerous times and reporting discrepancies, Wells Fargo failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Wells Fargo has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving consumers vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfers

Paypal is making it difficult to remove a credit card on file. I added a new card and wanted to remove an old card. I clicked on the remove card option and even after waiting 30 minutes the process has not been completed. This was attempted 3 times XX/XX/2017 at XXXX est. There is no way to find a phone number to call. Paypal does not want to spend any money on tech support so they hid the customer service number. It is far easier for me to file a complaint with CFPB to get them to do this that should only take a few seconds.
Product: Debt collection

I was laid off an unable to pay. I receive 10 calls per day on each phone number on the account everyday. I have communicated with them and attempted to set a payment plan they offered, {$140.00} a month until the account is paid off. They modify what they are willing to accept as a repayment plan and change the terms. The calls continue and Im told they will only stop if I authorize a payment today, not when I agreed upon.
Product: Credit card or prepaid card

I believe this was Discriminatory Closure. 

CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account XXXX ( XXXX ) You have illegally closed by XXXX 's XXXX when I pay more than the minimum, have a 700+ Credit Rating, and am gainfully employed. 

This account was opened with XXXX XXXX  and has been paid as agreed. 

I have not had a Capital One account of any kind in more than 12 years and was Discharged in Bankruptcy in 2016. 

My cell is XXXX I have complained to XXXX. I am filing a NYS Banking Department Complaint with the Federal Banking Regulators.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX XXXX. Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

At XXXX XXXX XXXX on XX/XX/, I received an e-mail alerting me to a purchase on my Citibank XXXX XXXX XXXX card in the amount of {$10.00} including taxes. The purchase of XXXX gallons of regular unleaded gasoline was made at a XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. At the time I received the e-mail, I was sitting in my office at home in possession of my credit card. My wife does not drive nor have a card for this account, nor does anyone else. I suspect my credit card information may have been skimmed from a gasoline pump during my last fill up at the XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos )XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) 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

I looked at my credit report and saw multiple collection accounts being reported by FIRST FEDERAL CREDIT CONTR on my credit. I am unaware of this debt and why it's on my credit report. I, therefore, as allowed under the Fair Debt Collection Practices Act ( FDCPA ), am requesting that you allow me to validate the alleged debt. I am aware based on what you are reporting that there is a debt from XXXX XXXX XXXX XXXX, but I am unaware of the amount due since there is no breakdown of any fees. 

Additionally, I am allowed under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for the release of my medical information to a third party. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold validation of debt and XXXX authorization. 

Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. 

Cease any credit bureau reporting until the debt has been validated. 

Please note that withholding the information you received from any medical provider to be XXXX compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above requested proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother-in-law added me as an authorized user to her Kohls credit card account at least 25 years ago. She passed away on XX/XX/2022. Kohls has removed her name from the account and has placed the account in my name. I NEVER signed up for credit with Kohls and have not used this account and am not responsible for the balance that remained after her passing. They have placed a negative comment on my credit report. I have discussed this with them 4 times now by phone and they continue to report it incorrectly and are attempting to collect from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported incorrect information of a XXXX XXXX past due payment that was incorrect. There was payments made and was current. As well as the XXXX XXXX XXXX that is in effect until XX/XX/XXXX of this XXXX