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

The account in Collections from XXXX XXXX has some inaccuracies through out all three bureaus. The status shows as Open and Past Due, Dates of last activity is not matching ( all 3 are different ), And all 3 reports have different payment history. 

The account with XXXX XXXX is for the same account as XXXX and XXXX, none of the three reports match. Dates are different, the balance and payment history does not match. Lots of inaccuracies. 

Can both companies report the same account?
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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: Prepaid card

Western Union Prepaid XXXX XXXX, has extended my dispute to XXXX calender days, which I know is illegal by federal regulation XXXX, in the process of dispute, is it required that a financial institution resolve all disputes between XXXX and XXXX, then 30 days, but only after not being able to find what they are looking for. Then by law, they are required to give a decision after 30 days. And if the evidence doesnt give either way, then they are required to send a letter, stating that it was unfounded due to insufficient information. XXXX calender days to make a decision, I do n't think so.
Product: Credit card or prepaid card

I received a direct mail offer on or around XXXX XXXX from American Express, to apply for their Platinum Delta Skymiles Card. The offer was enticing as it offered me XXXX Delta SkyMiles and XXXX MQM for spending {$3000.00} in the first 90 days. I immediately called XXXX and applied for this offer, but the rep taking my application, could n't locate my promotion offer code. She processed the application and promised to process an " Icare Case '' to add the promo code manually. However, the incorrect promo code was applied, and I only received XXXX Miles and XXXX MQM. This was not what I had expected or agreed to, and filed a follow up case. Since filing the follow up case, no resolution has been made, and XXXX is not guaranteeing me nor are they giving me the promotion for which I applied. This is unfair and deceptive practice by XXXX, in getting customers to apply for their credit cards. I offered to submit a copy of the direct mail offer that received for their review, but they refuse to take it for review as proof.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Equifax XXXX XXXX To Whom it May Concern, Account name : XXXX XXXX  I received a copy of my credit report. To my surprise, the credit reporting agencies are reporting this account incorrectly. This account is not only being reported as having a past due balance of {$7400.00}, but also reports that there have been XXXX ( XXXX  ) late payments with XXXX XXXX Monthly payments. Also it reports an incorrect utilization of 122 %, which should equate to {$7400.00} and not {$7400.00}, as 22 % of {$6100.00} = XXXX x XXXX = {$1300.00} So the increase amount is {$1300.00} Adding the increase of {$1300.00} to the original {$6100.00} gives us : {$6100.00} + {$1300.00} = {$7400.00} Therefore, XXXX plus a 22 % increase is {$7400.00} NOT {$7400.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account remove upon completion. 

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

In accordance with the Fair Credit Reporting Act, The Listof accounts below has violated my federally protected rights to privacy and confidentiality und 15 USC 1681. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 it also state a consumer reporting agency can not furnish an account without my written instructions. i did not give them written instruction.

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 items of information other than records of convictions or crimes wich 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 card or prepaid card

I just don't get it anymore. After I filed a complaint against Chase Manhattan Bank with both the XXXX and the CFPB a month ago, they dropped their interest charges and fees, and my unfair balance went from {$560.00} to something like a negative {$8.00}. Now, all of a sudden, that - {$8.00} which they owed me has become {$31.00}. They're still doing the same thing they did before. They are trying to charge me unfair fees and interest charges for a card that I closed long ago. Please look into the previous complaint that I filed against Chase. In that complaint, I talked about how they had refused to refund me the money for two purchases that I made on XXXX, which I attempted to dispute with Chase, but they found favor of XXXX against me. After I complained about them to the XXXX and to the CFPB, they changed my balance from {$560.00} to around - {$8.00}, meaning that they owed me money. Now all of a sudden, once again, on a card that hasn't existed for almost a year, they're saying that I owe them a balance. Please look into this matter for me. Chase needs to close this account, 0 out the balance or give me some of the money that they owe me, and leave me alone. I want nothing more to do with them. I will never bank with Chase for the rest of my life. Trying to resolve anything with them is a lost cause.
Product: Checking or savings account

This is in support of complaint number : XXXX I have received a phone call from an assigned case manager today handling my initial complaints made to Wells Fargo and now the complaint referred above.

They continue to harass over the telephone by overloading information rather than support, answering back rather than co-operate for a solution. The information overload may have been intentional given the assigned case manager being aware that I had overgone severe stressful episodes in the past by Wells Fargo staff. The same case manager has listened to all complaints made by myself over the phone and confirmed this with me. I have had to initiate myself to stop the conversation and request that any information that needs shared with me must be given in written format and that I void this discussion based on the incompetence in civil manners. I made it very clear that any information including the discussion made today over the phone must be shared to me in writing. I can confirm they have my email address. 

They have yet to provide any of the information to me in writing. So far I have no records of complaints, follow ups, disputes or acknowledgement by Wells Fargo, they have only made phone calls. Wells Fargo is the only one that has access to phone calls recordings. 


There is now speculation that Wells Fargo may be either delaying intentionally and would rather spend time calling to deny my complaints made, or that they wish to intentionally cause emotional distress to eventually have their customer physically unable to continue in order to finally receive justice. 


I swear on this statement that I have been honest and accurate to the best of my knowledge. Wells Fargo is the first bank Ive ever had to encounter this level of dysfunctional management, in comparison to the conglomerate company that it claims to be.
Product: Checking or savings account

XXXX XXXX my checking accounts were closed and withheld my ending balance of {$1600.00} XXXX XXXX I had reported that I was scammed and accidentally deposited XXXX checks into my account that were for XXXX and XXXX XXXX XXXX reversed both check so withrew {$1900.00} from my checkings and {$2900.00} from my savings My checking account is closed so I can not view the day but they also took the total {$4900.00} from my checkings I have been on the phone with them for weeks XX/XX/XXXX received {$2900.00} back XX/XX/XXXX I received my ending balance of my checking account from when they closed it of {$1600.00} after threatening to sue and report them if they did not give my money back I still have not received {$1900.00} back that I am owed and the last time they called they said they don't know if they will honor it. I have been on the phone with them that has accumulated over XXXX hours in the past weeks and have gotten basically nowhere. Everyone is incompetent and transfers me. No one knows how to do their job and just tries to tell me its their specific job. I have talked to over XXXX people. This is a significant amount of money of over {$6000.00} that was originally being withheld from me. Not to mention they closed my accounts the day before rent was due knowing that the end of the month is when most bills where due.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The following 32 inquiries on my XXXX XXXX currently listed and showing on my Tele Check File Report Tracking Number : XXXX is fraudulent and unauthorized. The 32 inquiries are fraudulent, unauthorized and not my inquiries. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Student loan

NAVIENT is using unfair collection practices and harassing phone calls to collect a debt that has been asked to be helped with because of lack of work. They call on three phone lines sometimes 15 times a day they call from XXXX unitl after XXXX some times. The only paper response I can get out of them is a form letter that does not address my current situation.
Product: Credit reporting or other personal consumer reports

As a Service XXXX XXXX XXXX XXXX XXXX I am filing a formal dispute against the accuracy of the information reported by TransUnion regarding the XXXX  XXXX account ( # XXXX ). Notified on XX/XX/year> as " Your investigation concluded that the information was verified as accurate, '' but I strongly contest this finding. The account is inaccurately reported as Charged Off with a balance of {$460.00}, alongside misleading remarks such as CLOSED BY XXXX XXXX. These inaccuracies not only misrepresent my financial history but also violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates a reasonable investigation of disputed information. Additionally, the reporting of delinquency and charge-off status may involve illegal re-aging of debt, violating 15 U.S.C. 1681c, and unfairly extending the negative impact on my credit. I demand a thorough and immediate reinvestigation into this account, including direct verification with XXXX XXXX. If the information can not be fully validated with documented evidence, it must be deleted from my credit report. The continued presence of this inaccurate information is causing significant harm to my creditworthiness and financial stability. I expect TransUnion to uphold its legal obligations under the FCRA and correct or delete this erroneous data promptly. Failure to properly address this dispute may result in further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was involved in the XXXX data breach. Please see to it that the credit reporting agencies remove the accounts.
Product: Credit card or prepaid card

Account is owned by Synchrony Bank -- - Original Message -- - From : " XXXX XXXX  XXXX '' XXXX Received : XX/XX/XXXX XXXX XXXX EST To : XXXX Subject : Other Inquiries Hello, We have attempted to pay our balance due on card prior to promotion expiring as we were not aware, but this was denied so we would like to fine a grievance. I'm willing to payoff our balance of XXXXXXXX  prior to interest being added last month, but will not pay XXXX now on my card. I will also file a complaint to the " Consumer Financial Protection Bureau '' if we are not able to resolve this issue since this practice does not seem legal or ethical. Thanks XXXX XXXX From : Customer Service To : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, Thank you for your recent inquiry regarding your Synchrony Bank account, and the opportunity to be of service to you. 

We apologize for the delay in our response. Your inquiry is important to us. 

I hope that this message finds you well. 



Due to the nature of your inquiry, we have escalated your request to our corporate office for handling. You should expect to receive a written response within 7 to 14 business days.

We appreciate you as a valued Synchrony Bank account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at XXXX Sincerely, XXXX.XXXX  Customer Service From : XXXX XXXX XXXX To : Customer Service XX/XX/XXXX XXXX EST Reply Hello, We have not received any written responses from you and would appreciate your attention to our inquiry. Thanks XXXX
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review al of the my documents and remove the accounts that are list.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter via Certified Mail to Experian in XX/XX/2022 disputing a Bank XXXX XXXX inquiry dated XX/XX/2022. I stated in the letter that there were multiple inquiries all within one day of each other on my credit report but I only authorized one inquiry from XXXX XXXX. I requested that Experian remove the unauthorized XXXX XXXX XXXX inquiry immediately and Experian reported back that it was authorized. 

I responded to their letter by mailing another letter via Certified Mail in XX/XX/2022 requesting that Experian provide proof of their investigation and proof the lender was authorized to make the inquiry and Experian did not provide any proof of their investigation or delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up request to my previous attempt to clarify my credit report. The erroneous account that still lingers on my profile has not yet been validated. I have not yet received a notification regarding this matter. I am Including the aforementioned account : XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against the three major credit reporting agenciesXXXX, Experian, and XXXXregarding their handling of my recent disputes. I believe that their actions violate the Fair Credit Reporting Act ( FCRA ) and related regulations. 

Despite my efforts to dispute inaccuracies on my credit report, none of these agencies conducted a proper investigation. Specifically : XXXX XXXX XXXX " XXXX XXXX ", in the amount of {$280.00} XXXX XXXX XXXX in the amount of {$1000.00} and XXXX XXXX XXXX in the amount of {$1700.00}. 
There rare also numerous of fradulent inquiries on my XXXX credit profile and XXXX. such as : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

Failure to Investigate Disputes : Each agency did not adequately investigate the information I disputed. I provided supporting documentation to substantiate my claims, but my disputes were dismissed without a thorough review. 

Lack of Original Contracts : I requested original contracts and documentation related to the disputed accounts, but I did not receive any. This lack of transparency raises concerns about the validity of the debts reported. 
Failure to Validate Debt : The agencies did not validate the debts as required under the FCRA. Without proper validation, the accounts in question should not be reported on my credit file. 
These issues violate 15 U.S.C. 1681b, which outlines permissible purposes for consumer reports, and the FCRA 's requirements for accurate reporting and dispute resolution. Furthermore, the agencies failed to address my disputes in a timely manner, as mandated by law. 
I respectfully request that the CFPB investigate this matter and take action to ensure compliance by these agencies. I believe the disputed accounts should be removed from my credit report, given the lack of proper investigation and validation.
Product: Debt collection

I recently pulled a credit report and saw that Credit Collections USA is reporting to be collecting on an alleged debt. After research, according to the Florida office of XXXX Regulations, they are not licensed in the state Florida.
Product: Credit card or prepaid card

I responded to a credit card offer I received in the mail form aspire and applied online. I received a response via email on XX/XX/21 saying I was approved for in the amount {$XXXX} and added my wife as a authorized user and I should receive my cards in the mail with in XXXX weeks. I never received the cards but I did received an email alert saying my cards had been activated on XX/XX/21 at XXXX a.m I called the credit card company on XX/XX/21 to let them know I never received the credit cards and asked how the card where activated. I was told they activated via phone and they used my zip code and my Social Security number to get activated. At this point I had to go file a police report and they advice me to file a report with your agency as my personal information was in jeopardy and the Fraudulent Charge Affidavit document they provided me with didn't seam to be legitimate. In the document they are asking for a copy of my driver license and my social security number which I don't feel comfortable providing. This information was already provided to them and they should have in on file. I'm not sure if this company is legitimate.
Product: Credit card

Dear Officer : I'm writing to dispute the following information that appears on my credit report. The accounts below have a huge impact on my credit score. Furthermore, I am facing a great deal of difficulty getting a job, taking out car loans, auto insurance, and moving houses. I am currently unemployed and have a hard time getting a job due to my bad credit. My car loan has also been denied, which is causing too much damage to my family. Please help. 

Please remove immediately the following accounts : Citicards Cbna XXXX XXXXXXXX I dont recognize this lender and account. Please remove this inaccurate information from my credit report. 

Sincerely XXXX XXXX
Product: Checking or savings account

I deposited a check at a Wells Fargo ATM on XX/XX/year>. At the time of deposit, I was informed that {$200.00} of the check amount would be available on XX/XX/year>, with the remaining balance becoming available on XX/XX/year>. 

However, later in the evening on XX/XX/year>, I noticed that the check had cleared my account, only for the funds to be adjusted and removed shortly thereafter. I was subsequently notified that my account was being closed. When I contacted customer service, I was informed that the reason for this action was a belief that the check I deposited had been altered. I was further instructed to obtain a notarized statement from the person who wrote the check before the account closure would be reconsidered. 

I am extremely confused and upset by this sequence of events. First and foremost, if there was any suspicion regarding the validity of the check, I do not understand why the funds were initially deposited into my account. It would seem more appropriate and responsible for the bank to notify me of the issue immediately, allowing me to address the concern without the drastic measure of closing my account. 

Additionally, I am bewildered by how the check could clear my account on the same day it was deposited if there was suspicion of alteration. This situation has caused me significant distress, and I believe it could have been handled in a more customer-friendly manner.
Product: Credit card or prepaid card

i had a credit card with Cabelas. They change who services their cards to Capitol One. It was at the time of the change of providers my credit information was breached. Cabelas and Capital One are responsible for this breach. this has caused me to be inconvenienced by spending hours talking with Cap One, sending emails to the CFPB, overnighting the payment for the charges i owed, talking to the bank and social security. I have had to spend money on fraud protection and freeze my credit. My credit score has gone down because Cap One has sent me two new credit cards. one of which i never received. Have other people been affected during this change of providers? 

I also received an email from Social Security telling me someone tried to change the password on my social security account!