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

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

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

The month of XX/XX/XXXX I discovered that Capital One had closed 2 of my credit cards due to Identity Theft that took place over the week of XX/XX/XXXX with fraudulent charges made, use of rubber payments to create more credit for them to use to make charges on my cards. Capital One closed these cards and reported it to the credit bureau 's as closed by them, but not for identity theft. I opened a fraud case with them which they have now closed stating it was not fraud, however it was. My SSN was stolen, I filed a police report with the XXXX Police Department in XXXX, NE. They did nothing in regards to my SSN or my credit cards being hacked into. 

It is VERY apparent that my cards were hacked into. However Capital One will not take blame for this, they will not reopen my cards, and they will no longer review this case as they have closed it apparently. I feel I have been failed by my local police department, the government, reporting bureau 's, and the credit card companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with this company about a bankruptcy that was reported the bureaus my file. I notified them that I had not filed for bankruptcy. On XX/XX/XXXX I was notified that this bankruptcy had been removed from their files. I keep disputing this same account with experian and transunion and they keep telling me that lexisnexis is certifying that it is reporting accurately. I recieved 2 false reports from lexis nexis providing that the information was removed. I noticed that my professional record was removed but the section was still in the report and when it comes to this bankruptcy the whole section isnt there. They are trying to make me believe it was deleted from my file bit when I applied for credit I was  notified on XX/XX/XXXX that there was a bankruptcy on my report and the reason I was denied credit with this company. XXXX XXXX pulls from lexis nexis and they told me that this bankruptcy is still there. They sent me a report with the bk section and then a few days later sent another without. Lexisnexis lied about their investigation and gave false information to me about my file. This is a clear violation and I intend to file full litigation against this company for such violations and defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning/evening, On the following date of XX/XX/2018 Wells Fargo filed a hard inquiry on my credit report where I never authorized such inquiry. This is greatly impacted my ability to eventually purchase a home. I request to have them removed immediately.
Product: Vehicle loan or lease

Company reported late payment ( XX/XX/year> ) in Credit Report after an agreement of 2 deferred payments was electronically signed.
Product: Debt collection

i was told this is someone else with same name, but this social security is not the same as mines and address is not the same as mines. i need this removed immediately,
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the incorrect items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my new complaint that I am a victim of inaccurate credit reporting and I write to dispute certain items in my file resulting from the issue. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file that resulted from an erroneous credit report details : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX Balance Owed : {$5500.00} XXXX  XXXX Balance Owed : {$10000.00} -- XXXX -- -- -- -- -- Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX Balance Owed : {$0.00} - Previously Late/Closed XXXX  XXXX Balance Owed : {$10000.00} - Previously Late/Closed XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} CITI XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed XXXX {$5500.00} XXXX XXXX XXXX XXXX : {$10000.00} XXXX XX/XX/XXXX. These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy, and the reported payment history on the accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 15 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, IL XXXX Phone : XXXX Email : XXXX Complaint Against : XXXX Complaint Details : I am submitting this complaint to formally request the removal of closed account from my XXXX credit report. Upon reviewing my report, I noticed that several closed accounts remain listed, and I believe they should be removed either due to age, inaccuracy, or because they are negatively impacting my credit profile. 

The closed accounts in question are : 1. CITICARDS CBNA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX XXXX Date Closed : No Closed Date Shown. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must maintain accurate and up-to-date information. Some of these closed accounts are outdated, while others may have incorrect information associated with them. I am requesting XXXX to investigate and remove these accounts to ensure my credit report accurately reflects my current credit standing. 

I have attempted to resolve this matter directly with XXXX but have not received a satisfactory resolution. Therefore, I am requesting the CFPBs assistance in ensuring my consumer rights are upheld. 

Resolution Sought : Remove the closed accounts listed above from my XXXX credit report. 
Provide confirmation in writing once the corrections have been made. 


I appreciate your prompt attention to this matter and look forward to a resolution. 

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

Went to unfreeze my credit report with Transunion in order to process a refinance on the house. Was unable to do so via the webpage, which directed me to call customer support. Called customer support, and after 35 minutes on hold was told that my account was being looked at by the fraud department, and only they could unfreeze it. But, they were not at work. It's 1:30 pm EST on a Friday. They won't be back until next monday. This is a XXXX XXXXXXXX XXXX XXXX. Unacceptable that they can not perform their function during a normal business day, pandemic or not.
Product: Credit card or prepaid card

Someone fraudulently opened an account at Neiman Marcus under my ID with Capital One ( CO ) and charged {$5000.00} immediately. It was part of multiple cards that were opened within a week of them getting my information. My first contact with CO was in XXXX where I explained to them the situation. They shut down the account while looking into it. I have called monthly to do check ins on status updates with no new information. After 2 months and no contact from them I just found out they denied it based on looking up the information from the application only. They did not call/contact me about more details ( What Clothes were bought, where was I that day, what do I look like compared to video, etc? ) and only me following up did I find this out. You would think someone randomly maxing out a brand new card from a store would be a red flag, that actually happened at XXXX who denied the card, but they don't seem to care. I have only ever spoken to account managers but no one from the fraud department and until I reached out I had no idea what was going on. I ended up making a payment on it just so it wouldn't hurt my credit. Its been a total waste and can see they probably do this a lot and hope people just pay.
Product: Checking or savings account

Last year, I conducted several wire transfers to a vendor who never delivered the goods. In XX/XX/2023, I requested Wells Fargo to initiate a wire recall due to the situation. Despite calling and requesting assistance over 50 times, each interaction resulted in a different version of events, and a new case was started each time. 

After numerous unsuccessful attempts to resolve the issue, I decided to file this complaint because the total amount of the wire transfers was $ XXXX significant sum. Throughout this process, Wells Fargo has acted carelessly, providing various excuses until last week when I received a letter stating that the bank decided to cancel and close all my accounts, including my Business Checking account, Savings account, Line of Credit, Personal Credit Cards, and Business Credit Cards. 

Despite having an XXXX relationship with Wells Fargo , they refused to provide any explanation for their actions. When I inquired, I was repeatedly transferred from one department to another, each stating that they could not provide any information and that the decision was final. I even visited a branch and, with the manager, called the bank only to receive the same response. 

As a result of this situation, I find myself in significant debt and without access to funds due to the {$210000.00} loss. The banks unsupportive attitude and delays in addressing this issue have severely impacted my financial stability. 

To make matters worse, after filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), someone from Wells Fargos fraud department contacted me in a very rude manner, questioning why I had contacted the CFPB and reiterating that the bank 's decision was final and not subject to discussion. 

This complaint encompasses the lack of support, the unprofessional handling of my case, the significant financial loss, and the unjust closure of my accounts by Wells Fargo.
Product: Debt collection

Commenity Bank has called me six times today. Four of the calls were within XXXX XXXX of each other. I have asked them not to call me more than once per day, and that I work from XXXX XXXX XXXX XXXX XXXX. They call during my work day constantly. I am trying to catch up on my payments, and can not send them any faster than I get paid, and I have told them that, but they keep calling. They also try to force me to set up autopay or a post-dated payment, which I don't want to do because I'm afraid if something goes wrong they will bounce and I will get hit with bank fees on top of the late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I've been a victim of identity theft. My personal was stolen. I noticed XXXX XXXX that I have incorrect/ fraud hard inquiries on my credit report. The company reporting this is XXXX. The incorrect hard inquiries listed are Name : XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX OH, XXXX, Name : XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX FL XXXX, Name : XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX TX, XXXX.
Product: Credit card or prepaid card

I opened a Chase Card Services - XXXX XXXX credit card account in XX/XX/XXXX, and purchased approximately {$800.00} in 2 weeks on it - nothing purchased afterward. I forgot about this card. 
The FIRST bill I received wasn't until XX/XX/XXXX! I called them right away to try and reduce the charges and pay off the account balance. I was told I need to wait a week and do this during the next billing cycle. I made a {$200.00} good faith payment right then. 
On XX/XX/XXXX, I talked with a supervisor on a recorded line. She told me that if I paid {$600.00}, then the account would be paid off, and I would owe nothing further. I asked her again if I would owe NOTHING FURTHER if I paid this amount and on a recorded line she repeatable assured me of this. 
The next month, I got a bill ( for something less than {$100.00} ), and called back on XX/XX/XXXX. I talked with another supervisor, XXXX, who cleared the charges and told me I OWED NOTHING. He also repeatably assured me on a recorded line that I OWE NOTHING FURTHER. 
I now have a new bill for {$49.00}. I called on XX/XX/XXXX and talked with XXXX, who said she could do nothing for me. 
After being lied to at least 6 times, and told at least that many times I owed nothing further, but I keep getting bills, Im contacting you for help.
Product: Credit card or prepaid card

I tried calling them there's no answer then when I did get through with someone saying that I or someone in my household call and open up a new credit card or a car loan and I told them there's no one in my household open up credit card or car loan that we already have a credit card in a car
Product: Debt collection

I have already tried contacting Portfolio Recovery Associates with 2 official notices asking to prove the debt is mine but they have produced no documents related to this debt, they just keep calling and sending me the same letter over and over again. 

At this point this needs to be eliminated from my profile.
Product: Checking or savings account

On XXXX and on XXXX I was a victim of fraud on XXXX of my cards. My Chase atm, XXXX XXXX, and XXXX XXXX  benefit card were all charged different amounts ( {$150.00} of XXXX  benefits, XXXX, XXXX, XXXX chase debit ) at the same a XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX phone : XXXX @ XXXX XXXX, XXXX NY XXXX. My XXXX  and XXXX XXXX didn't give me any stress about returning what was stolen. The first XXXX {$20.00} Chase gave me a full refund some push back but I sent them my XXXX travel and it showed I no where near the store when the transactions were made. However the {$36.00} charge, Chase and XXXX XXXX XXXXXXXX XXXX XXXXXXXX  refuse to refund my money knowing I can prove I wasn't even in the state of NY at the time of the transaction. I sent them my travel and it clearly shows I'm in Maryland and I used my card at a gas station for snacks, and gas. I used my bank card throughout my time in the XXXX. But they still claim my chip was used which is impossible. Not to mention I have never been in that store before yesterday when they hung up on me. The bank told me to contact the store for a refund but when I called they hung up on me and wouldn't answer when I called back. I then went to the store in person only to be told he has had multiple cases and there was nothing he could do. Even though he showed me how many refunds he's had to give in the past month. I called the bank while i was in the store and they both told me there was nothing they could do. I so angry that I trusted JP Morgan Chase with my money and this is the thanks I get. I'm not sure what you can do for me but I'm reporting them both because I'm not the only XXXX this has happened to. Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX XXXX XXXX Balance XXXX {$1600.00}
Product: Credit reporting or other personal consumer reports

Who are you XXXX XXXX I dont have a a contract with your company why are you violating my rights and personal rights and slandering my name!
Product: Mortgage

Santander is not following XXXX guidelines for XXXX lien holders. I am currently in the process of doing a short sale. The first lien holder - XXXX has approved our short sale and allotted Santander the required amount. Santander is dragging their feet not issuing an approval. The first lien holder will not stop the scheduled sheriff 's sale for Monday XXXX XXXX without Santander issuing an approval letter. We are doing the right thing following XXXX guidelines for a short sale and Santander is not.
Product: Checking or savings account

I had XXXX eligible direct deposits in my SoFi account. 1st they are supposed to give you a bonus within 28 days of the direct deposit. Well that never happened and I have talked and chatted with them multiple times. My account has the plus rewards. The only way to get that is from having eligible direct deposit made which I did. I'm providing proof of the plus rewards, proof of the conversation them saying multiple times they was going to summit my direct deposits again and again so I'd get my bonus ( never happened ) and proof of them saying they are taking my Plus rewards away now because I complain to the CFPB just happen to be after I complained. Per 1030.8 they can't lie have misleading information which they do. And then I got an email saying I was chosen to do a survey to receive 50 dollars after I complained. They also said they lost my direct deposits it will show in the email sent to me.
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. 

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

I have had numerous accounts still reporting inaccurate and unverified accounts on my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Equifax, and XXXX is reporting a account from XXXX XXXX XXXX XXXX, they keep reaging it and I never had that account opened with XXXX and I am confused on why I am being held responsible for the account. If all of the creditor 's are reporting to the same bureaus, why is the information inaccurate and their reporting different information and it is affecting my credit file and score and I am being held accountable for fraud committed against me. I want proof and I want these negative and inaccurate accounts to be removed because I haven't seen proof of me opening them and they are negatively affecting me and that is against the law. I filed a police report.
Product: Debt collection

Harassing family members asking for my social security number and threatening to contact my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and saw that XXXX XXXX XXXX XXXX was listed on my credit report as a repo/ charged off account in the amount of {$18000.00} for a 2009 XXXX I have never owned or applied for a loan on one. I've contacted the credit bureaus and the company and they say the account is mine, and it is not! I've disputed it several times and nothing gets resolved. I don't know what to do!
Product: Debt collection

As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file