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

I had a previous checking accounts with Wells Fargo Bank, and the negative balance and debt, on those previous checking accounts was XXXX in bankruptcy court under Chapter XXXX Bankruptcy on XX/XX/XXXX in the United States XXXX XXXX of XXXX  Bankruptcy Court. Wells Fargo Bank informed me that they had adverse and negative bank account information deleted from my XXXX XXXX XXXX XXXX XXXX Consumer Report, and informed me I could open up a checking account as long as I go into a local branch and open up the account and show identification documents. I went into a Wells Fargo Bank Branch on XX/XX/XXXX to open up a checking account. The checking account was opened. On XX/XX/XXXX, I received a phone call from a Wells Fargo Bank Fraud Prevention Specialist informing me that the new checking account ending in XXXX would be closed in 10 business days due to me being a security risk to Wells Fargo Bank because of previous checking accounts I had with Wells Fargo Bank and due to filing Chapter XXXX Bankruptcy, even though the debt from those previous checking accounts was XXXX in bankruptcy court, and Wells Fargo Bank told me I could open a checking account. There has been a lot of miscommunication on Wells Fargo Bank part. Wells Fargo Bank is discriminating against me because of previous checking accounts I had with Wells Fargo Bank, that had a negative balance, debt, and was XXXX in bankruptcy court under Chapter XXXX Bankruptcy, Wells Fargo Bank is discriminating against me because of my XXXX, me being XXXX XXXX  ( XXXX ), and just overall denying me credit and an opportunity to reestablish my credit and build a new and strong relationship with the bank. Wells Fargo Bank is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA )
Product: Credit reporting, credit repair services, or other personal consumer reports

I just want the company to respond to me via FCRA guidelines. Thanks for your help.
Product: Debt collection

Equifax verified the debt with XXXX XXXX Acct # XXXX as accurate and correct. On XX/XX/23 I re-opened the dispute requesting proof of validation per law 15USC 1681 iii. XX/XX/23 they responded dispute complete # XXXX but did not provide me with the required documentation I requested in accordance with FCRA 611. They did not provide me with documentation of the reinvestigation procedure used to verify this debt for completeness and accuracy.
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  account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX, has violate15 Ud my rights. 

15 U.S.C 1681 SECTION 602 A. States I have rights 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: Debt collection

I am filing a complaint regarding a credit card account with Navy Federal Credit Union, which is currently reported as " In Collections/Charge-off '' with an amount past due of {$13000.00}. Despite a previous dispute, this account remains on my credit report with a derogatory status, which is causing significant harm to my credit and hindering my ability to rebuild a relationship with Navy Federal.

A charge-off typically indicates that the creditor has written off the debt as uncollectible, yet the presence of an outstanding balance suggests that the debt is still being pursued. This contradictory reporting is misleading and confusing, which may not accurately reflect the status of the debt.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), information reported to credit bureaus must be accurate and not misleading. The continued reporting of a charge-off with a substantial outstanding balance is both misleading and unfair.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, it is prohibited for a debt collector to use any false, deceptive, or misleading representation in connection with the collection of any debt. The conflicting information presented by this account status may constitute a misleading representation of the debts status.

Given these issues, I request that this charge-off be removed from my credit report entirely. Its continued presence, along with the reported balance, is damaging to my credit and preventing me from rebuilding a positive relationship with Navy Federal.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$430.00} is supposedly owed by me. Which it isn't. Experian claims I owe XXXX this amount. Which wasn't mine. It says the term is 1 month old. And I opened this account in XXXX. Which I did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

department of navient XXXX department of navient XXXX department of navient XXXX department of navient XXXX department of navient XXXX department of navient XXXX
Product: Consumer Loan

We purchased a home in 2002. When attempting to sell this home recently, we discovered that there are XXXX liens showing on the mobile home. These loans were discharged years before we purchased the home. We are not able to sell the home due to these loans showing at DMV against the property.
Product: Debt collection

The company reached out to me XX/XX/2025 via my email address. 
In order to dispute the debt I had to log onto their website and dispute it via their process. I did that XX/XX/2025 and I requested all of the information with my original signature and the agreement stating that I owe this debt The company never sent any of the information. I also requested it XXXX times via XXXX and they never sent it to XXXX either.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent letter to XXXX, XXXX and Transunion to remove all addresses that I am not associated with and only list my current address. I also has several unauthorized inquires on my credit file that needs to be deleted. As of XXXX XXXX XXXX. I have not received a response regarding these issues that are negatively affecting my credit profile.
Product: Credit reporting or other personal consumer reports

I work with a credit repair company and we asked for proof several times with no response. Other companies responded but they have not. No proof of me owing the balance has been sent.
Product: Credit card or prepaid card

CashApp - Square CashApp Debit Card ( Square ) just showed up in the mail - I never opened this account. 

Issued thru XXXX XXXX - they are NO HELP. 
Why would they even issue this? 
Spent days chasing thsi down.. 
CashApp service is horrible -- - have to use XXXX for customer service- the phone number is a joke -- never get ahold of ANY HUMAN. 

After two days I managed to get SOMEONE ( XXXX ) to close this but they will NOT provide any information on how it was opened, when etc
Product: Mortgage

We closed on a new purchase VA loan with Supreme Lending last week. We had horrible communication ( not answering or returning phone calls for days and not knowing where our loan was in the pipeline ) from the moment after we agreed to use them and paid ( up front and out of pocket ) for the appraisal on. The amazing rates which I was quoted at first disappeared once it was to late to switch to a different lender and went up despite market rates going down. We ended up closing late because the loan officer XXXX XXXX not getting our closing disclosure out on time. She neglected to tell anyone that closing would be delayed by several days ( which could have cost us this home ) until 20 hours before closing was supposed to take place even though she had known for 3 days. This delay cost us hundreds of dollars and we barely got an apology. This was our 5th home loan and the most stressful and decietful loan officers I have dealt with. Avoid XXXX XXXX and Supreme Lending at all costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage that was with XXXX. I have never been late on my mortgage. I was charged a higher interest rate on a auto loan because XXXX is reporting that I was 30 days late in XXXX XXXX XXXX That is not true. I have my receipts showing that I made XXXXXXXX XXXX payment on the XXXX XXXX XXXXXX/XX/2020 and on the XXXX XXXX XXXXXX/XX/2020 I made my XXXX payment. I will enclose with this complaint. my receipts. I have been disputing this and they are still reporting the inaccurate information on my credit. It has been well over 30 business days and they won't respond to my dispute
Product: Debt collection

I did not recieve proper notification of this bill. I was not given the opportunity to dispute this bill prior to it hitting my credit report. Is this credit company licensed in my state to collect a debt that was not verified? I would like the account removed and given the opportunity to properly dispute rhis bill. I want the account remove from all three of my credit reports immediately.
Product: Checking or savings account

On XX/XX/XXXX, after a direct deposit of approximately {$580.00}, I had approximately {$580.00} in my Chase checking account ending in XXXX. On XX/XX/XXXX I paid the approximately {$370.00} minimum payment on my Chase Freedom credit card online via my checking account. After processing the minimum payment, Chase on the same day ( XX/XX/XXXX ) held {$150.00} in funds and deducted a {$75.00} legal processing fee bringing the account balance to {$0.00}. When I reached out to Chase, I received a copy of a levy notice that I had been unaware of. The levy expires in XX/XX/XXXX according to the notice allegedly from the Court, but in Chase 's system it fraudulently shows as expiring in XXXX. In addition, the Court Officer XXXX XXXX filed a fraudulent certification for this levy, but more importantly no money was to be taken from my account due to the NJ statute listed below which exempts the first {$1000.00}. Since I maintained less than {$1000.00} no money was to be held from my account. In addition, I submitted a request in writing to Chase to request the money they are holding and the related fee be returned. I also asked to close the checking account since I am no longer able to meet the requirements to avoid a monthly service fee of {$12.00}, but Chase 's Customer Service said they were unable to assist with these requests. XXXX. Amount ; exceptions Goods and chattels, shares of stock or interests in any corporation and personal property of every kind, not exceeding in value, exclusive of wearing apparel, {$1000.00}, and all wearing apparel, the property of a debtor shall be reserved, both before and after his death, for his use or that of his family or his estate, and shall not be liable to be seized or taken by virtue of any execution or civil process whatever, issued out of any court of this State. Nothing herein contained shall be deemed or held to protect from sale under execution or other process any goods, chattels or property, for the purchase whereof the debt or demand for which the judgment on which such execution or process was issued, shall have been contracted, or to apply to process issued for the collection of taxes or assessments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX Account # XXXXXXXXXXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

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

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : ; listedaccount need to investigate and correct from erroneous reporting in my file are listed on my credit repor XXXX XXXX XXXX XXXX Balance : {$14000.00}
Product: Debt collection

A few weeks ago, I started receiving several phone calls per day every day from similar numbers. They usually don't leave a message. When I eventually answered one of them, I sternly asked the person who they were and why they kept calling and they hung up on me. Now, a few of the numbers that pop up that I've searched online for pop up as Portfolio Recovery Associates. Today someone finally left a message and said they were from Portfolio Recovery Associates. 

I don't have any outstanding debts in collections. I keep a close eye on my credit reports and there's nothing amiss. 

There is absolutely no reason they need to be calling me unless they're trying to run a scam on me. Furthermore, they don't need to be calling several times a day, every single day. Especially when I don't even have a valid debt.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) 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. 
. 
Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX. ( XXXX XXXX  ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 
The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Debt collection

I am filing this complaint in regards to a debt that I had previously dispute directly with XXXX XXXX XXXX ( XXXX XXXX ) ACCOUNT WWR # XXXX. I never received a response back from XXXX XXXX XXXX. I HAVE HAD SOME ISSUES with Fraud that are still being addresses. I am in the process of filling a FTC ID theft compliant at this time. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c )
Product: Credit card

I applied and was approved for a Barclay Gold Card in XX/XX/XXXX because of the very generous benefits they offered XXXX Military ie waived {$990.00} annual fee, 0 % APR, etc. Shortly after the holidays, earlier this year, I was notified that Barclays was no longer going to honor waiving the {$990.00} fee and if my account wasnt closed prior to XX/XX/XXXX, I would be assessed that fee. I feel as if Barclays baited me into a great deal and then pulled the rug out as soon as i was approved and began using the card racking up a balance over the holidays. I now have a balance on a card that i need to close within the next 6 months or else i will incur a {$990.00} fee that I am not prepared to pay. I would never have applied for this CC if i knew i would have to pay a {$990.00} fee.
Product: Credit reporting or other personal consumer reports

I received an alert that my credit score was hit with a hard inquiry on XXXX XXXX For Capital1. I didn't apply for an additional Capital1 card I have XXXX. 
I had already contacted Capital1 because the last inquiry that I did make hit my credit and lowered my score by XXXX points, which is outrageous then upon using the card it hit my score for an additional XXXX points and also XXXX more points because my balance increased. When I reached out for an explanation I was told someone would contact me and I have not been contacted. 
I am very upset because that is over XXXX points to my excellent credit score making it now a fair score ... and now this Help
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX - Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying for almost 4 years to make XXXX  remove multiple accounts dating back to XX/XX/XXXX that were opened fraudulently by someone who stole my identity. I made my first disputes on these account on or about XX/XX/XXXX with XXXX  AND XXXX AS WELL AS XXXX. I MADE THEM AWARE THAT I HAD NO KNOWLEDGE OF THESE ACCOUNTS AND XXXX AND XXXX BOTH INVESTIGATED AND FOUND THE ACCOUNTS TO BE EXACTLY WHAT I SAID THEY WERE AND THAT WAS FRAUDULENT AND BOTH XXXX AND XXXX REMOVED ALL ACCOUNTS FROM MY REPORTS ON OR ABOUT XX/XX/XXXX. I HAVE PLEADED WITH EXPERIAN TO REMOVE THE FRAUDULENT ACCOUNTS SINCE THEN AND THEY DID INFACT REMOVE ALL 6 FRAUDULENT ACCOUNTS ON OR ABOUT XX/XX/XXXX. SO I SUBMITTED AN APPLICATION WITH XXXX XXXX TO SEE ABOUT PRE-QUALIFICATION FOR A HOME PURCHASE ON XX/XX/XXXX AND TO MY SHOCK I RECIEVED A EMAIL FROM XXXX XXXX ON XX/XX/XXXX STATING THAT I COULD NOT BE PREQUALIFIED DO TO THE CREDIT REPORTS THEY HAD OBTAINED SHOWING THAT XXXX HAD PLACED THE FRAUDULENT ACCOUNTS ALL 6 OF THE PREVIOUS ONES THEY HAD UPON INVESTIGATION REMOVED IN XX/XX/XXXX. SO I SUBMITTED PROOF TO XXXX XXXX IN XXXX TEXAS SHOWING THOSE ACCOUNTS HAD IN FACT BEEN REMOVED AND THEN I CONTACTED XXXX AND ASKED THEM WHY THOSE ACCOUNTS WERE PLACED BACK ONTO MY CREDIT REPORT ON XX/XX/XXXX AND THEY REFUSE TO PROVIDE ME WITH THE ANSWER. I HAVE AGAIN PULLED XXXX, XXXX AND XXXX IN DEPTH REPORTS AND XXXX  IS CLEAR WITH NO ACCOUNTS IN COLLECTIONS AND XXXX SHOWS I HAVE NO ACCOUNTS IN COLLECTIONS BUT XXXX DOES IN FACT SHOW ALL 6 PREVIOUSLY REMOVED FRAUDULENT ACCOUNT WERE PLACED BACK ON MY REPORT AND IVE AGAIN ATTEMPTED TO MAKE CONTACT WITH XXXX  AND AGAIN DISPUTED THOSE SAME FRAUDULENT ACCOUNTS ONLY TO CONTINUE TO GO IGNORED. IM AT A TOTAL LOSE AS TO HOW THIS IS EVEN POOSIBLE OR LEGAL TO BE HAPPENING TO ME. IM A GRANDMOTHER STRUGGLING HARD TO TAKE BACK MY IDENTITY AND RESTORE MY CREDIT IN ORDER TO PURCHASE A HOME SO THE XXXX GRANDSONS IM RAISING WILL NEVER HAVE TO WORRY ABOUT NOT HAVING STABILITY IN THEIR LIVES WHEN IM NO LONGER ALIVE. IM TRYING TO INSURE THAT THESE BOYS WILL ALWAYS HAVE A HOME EVEN AFTER IM GONE. NOW TO BE DONE LIKE THIS IS SO WRONG AND ILLEGAL. ITS CAUSED ME MENTAL ANGUISH AND SEVERE STRESS WHERE IM NOT EVEN ABLE TO SLEEP SINCE I FOUND OUT ABOUT THIS ... .PLEASE HELP ME I DONT KNOW WHERE ELSE TO TURN TO GET THIS CORRECTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last activate is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15USC 1681 SECTION 602 A Stats I have a right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit Bureaus took more than 30 days to complete my investigation. I have disputed these accounts SEVERAL TIMES with the same results. 

Attached are the credit reports showing the violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have identified inaccuate information on my consumer report, I am attached a copy of my report, I have never signed a form ssa-89 granting permission for my consumer social to be ran by any company named in this report. Please remove these unauthorized inquiries rom my report asap
Product: Checking or savings account

Hello, I had a very great relationship with chase, and I have never done nothing wrong, I have never had a bounced check nor anything, I keep trying to search up the reason why a bank can close your account without any reason and I cant find any, I feel like my debit card was wrongfully closed, and I will like the company to open my debit card again, as I love the company alot. They have been amazing, and I have been an amazing client as well, Im very disappointed right now on the way they acted on my account, when I never have done nothing wrong