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

I am writting this due to non-compliance with the ( XXXX, Experian, XXXX  ). they have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card or prepaid card

XX/XX/19 THEY BILLED XXXX OF UNAUTHORIZED CHARGE AND I DISPUTED THAT AMOUNT THEY GAVE ME THE CREDIT FOR THAT. 
XX/XX/19 THEY REBILLED THE DISPUTED AMOUNT AGAIN WITHOUT PROOF NOR EXPLANATION.
Product: Credit card or prepaid card

On XXXX, I called to determine what happened to the opening bonus for the credit card I opened on XXXX. To my astonishment, there were several discoveries. I am writing to resolve this matter before further action must be taken. 
On XXXX, speaking with representative XXXX ( no other identifier provided ) and then supervisor XXXX ( NC employer number XXXX ). XXXX stated that the bonus was declined because I had a card expire/cancel two years prior, however at the time of application, I did not realize I had a card previously. Searching now, per the offer terms, it says that If you are not eligible for the welcome offer, intro APRs, and intro plan fees we will notify you prior to processing your application so you have the option to withdraw your application. however this NEVER happened. This lack of action by the part of American Express nullifies the declination that never occurred until after the application, and without any notification. 

I asked to speak with a supervisor ( XXXX stated above ) and it was one of the worst experiences with any customer service in my life ( which is why, should I not hear back from American Express, I will be sharing the conversation with the public so everyone can know how seriously you do or do not take both matters and customer service ). When speaking with supervisor XXXX ( again, North Carolina center employer number XXXX ), she was one of the rudest unprofessional people I had spoken with in a long time. She would CONSTANTLY refuse to answer, and CONSTANTLY interrupting. When I simply asked for a case to be opened, she would argue an analysis, which I did not ask for, nor was it warranted by someone who did zero research into the matter and attempted to bully her point across. Is this the type of person you promote to be supervisor? What was worse, she would state falsehood, outright lies hoping to dissuade me. She stated that in my application it said the bonus was declined. This is a lie and seeks to attempt fraud. Why would your people in any authority attempt to commit fraud? She needs to be re-educated or terminated. 
Either way, I was able to get the case XXXX created and have yet to hear a response. That supervisor who was willing to openly commit fraud refused to send me a copy of the case that was opened. Additionally, I asked for where I could mail a letter such as this, and was given the general address of the American Express building, not a department. 
To review : - Application was made XXXX - I did not know I had a card previously and your system did NOT notify me that the offer was ineligible - There was no mailed declination - There was no verbal declination- The paperwork states the bonus offer and to decline it, without any notification whatsoever, written or otherwise is fraudulent. 
- I clearly met ALL the conditions laid out in the application bonus. 

I had never heard back on the case that was opened on XXXX, sent the above info on XXXX and heard NO response.
Product: Debt collection

We have a loan with ally auto. We have missed XXXX payments due to some unfortunate events. I called them and made payment arrangements I paid XXXX last week and XXXX next week on XXXX XXXX 2015. They accepted and said the calls would stop. During that phone call the lady stated that ally can reposes the car without sending a letter or informing us because they already sent a letter XXXX. So the lady stated the calls would stop. Made the XXXX payment and next week as i stated the rest of the payment ally keeps callings us nonstop XXXX times a day or more. We tell them we made an arrangement ally says they want payment now. They keep calling and harassing and saying they want the payment now when I have an arrangement that is notated.
Product: Prepaid card

Tried to see the balance from an old gift card, and to active the {$100.00} card, but the URL was not valid ; XXXX  Have not called the company, looked online and notice many people stating this company was a scam from over a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

My SS #, birth date, address Driver 's License number and other confidential information was stolen in the recent Equifax security breach. I used the following website provided by Equifax to determine if my information was stolen, www.equifaxsecurity2017.com.
I will be filing a police report and a 90 day fraud alert on my file. I will also freeze my files w/all three bureaus and file a XXXX to the IRS. 

Please help me resolve this problem. A crime has been committed.
Product: Credit reporting or other personal consumer reports

Instead of redacting the collections as the attached letter directs, Experian has added collection remarks for XX/XX/XXXX and XX/XX/XXXX. Experian must DELETE all notes of collections for XXXX in accordance with this letter from XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX XXXX XXXX XXXX {$1700.00} ; XXXX XXXX XXXX XXXX XXXX  : {$350.00} ; XXXX XXXX XXXX XXXX XXXX  : {$4600.00} ; XXXX XXXX XXXX XXXX XXXX {$3800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy has been reported on my Experian credit report I have never filed and it only shows up on Experian report. I have disputed multiple times. Representatives have told me they do not know why it is on there and it will be removed but never does please remove : Acct : XXXX XXXXXXXX XXXX XXXX  XXXX I have asked for paper work for proof of account but they will not respond. I have contacted the court corresponding to the account and there is no record
Product: Checking or savings account

My bank does n't send information quick enough to  XXXX  app. That 's my money. No excuse.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX XXXX SC XXXX CARD XXXX {$1300.00} there was several transactions attempts via my debit card in a short window of time. with only one notice from my bank. 

Dispute filed on XXXX shortly after text message was received from my bank that the transaction was processed according the tech support of Wells Fargo I noticed my wallet was missing when we attempted to search for the card used for the transaction ( s ) I do not have a issue of reporting disputes with transactions, the last dispute that was not resolved via Wells Fargo was XX/XX/2018. 

Police report filed XXXX. 

I need this resolved with urgency, it wiped out my whole paycheck, its the first of the month, I have a lot of bills that need payment and i can not render any payments without access to my funds. 

My card has been replaced, awaiting it in the mail those numbers of transaction attempts, returns, processes on my account, without the stopping it.. after the 2nd time i would have stopped it, and then it was refunded!!! what the heck it should have been frozen then but no it was posted back to my account and then wiped out again. then all they can say is it is PENDING, are you kidding me THE TRANSACTION SHOULD HAVE BEEN STOPPED ON THE SPOT WHEN I CALLED AND TOLD YOU TO STOOOPPPPPPP IT!
Product: Checking or savings account

Hi! I am filing a complaint, as I am a Capital One customer and said bank has failed to deposit my direct deposit from my employer. They have cited technical difficulties, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This is very concerning and affects my ability to pay necessary bills, and raises concerns about customer protection laws.

Please assist me in whatever way you can. Thank you.
Product: Credit card or prepaid card

I made a purchase at Lowes at XXXX XXXX XXXX XXXX on or around XX/XX/XXXX of XXXX for a new washer and dryer plus hook ups and Insurance. on delivery day it was not delivered. sometime after I was being told that there was a double order so the lady I spoke to at the warehouse made the decision to cancel the entire order and do another one.but this double would go away. I contacted the store several time as well as Lowes and the warehouse.i cancel the order but it never went through. the issue wasn't being handled just like it hasn't til this day.they continue to charge me. they have unfairly closed my card with no fault of my own. because of what they say is non payment for something that was canceled several XXXX. they claim they return the money to the store and all types of weird things and they wanted me to pick this money up that didn't belong to me.i went to Lowes to see what was going on after a guy with a possible fictitious name ( XXXX XXXX XXXX never did his job and this has cost me my card.that money is still sitting in a store at a different location and they think they are gon na run me around on wild goose chases and im not comfortable with how they made me feel at my Lowes near my home. I must add that this particular store has target me since XXXX canceling orders and doing plenty of weird things all the way back to an HR worker coming into my home to show me how to use my appliances, that was very weird because afterward this woman stalked and harassed me and nothing was ever done about her but she was defiantly the one behind canceled orders of mine. and a lot of other things happening to me. XXXX a manager at the store has also been an issue. I would like to know if you could look into this. please and thank you
Product: Checking or savings account

There has been numerous occasions with NFCU where I have had money in another account where they could pull money from, yet they still charged an overdraft fee of {$29.00}. So rather than having said account negative for whatever was charged, its the charged item PLUS their overdraft fee. When explaining the situation to the representative and asking to have the {$29.00} refunded, the representative was argumentative DESPITE seeing that there was money in another checking account linked to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, DPT ED/XXXX  Account # XXXX, DPT ED/XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date Updated : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

On or about XXXX / XX/XX/XXXX my identification was stolen and a credit card from XXXX XXXX XXXX was opened in my name. The thieves changed my address through a third party with the post office to XXXX XXXX XXXX XXXX XXXX XXXXXXXX MA. XXXX from my home address in CA. After the unofficial change in address the crooks received credit card offers and opened a new account in my name and ran the card up to {$5700.00} including interest. They also changed addresses of multiple accounts as well as at all three credit bureaus. 

The issue was exacerbated by having a XXXX and XXXX XXXX in XX/XX/XXXX hindering my timely dealing with the breach of credit, ( I was in the hospital for XXXX weeks ). A report was filed with the FTC for this situation in XX/XX/XXXX and I was unable to get copy of report due to medical issues caused by the XXXX and XXXX XXXX causing me to be unable to understand directions. I also filed a report with XXXX Police, XXXX XXXXXXXX XXXX  and US Post Office to change my address back to my actual address in California where I have lived for over 20 years. 

I was unable to handle the issue with my credit report because the thieves changed my information making it difficult to see my credit report and dispute the charges. The credit card bills were sent to the XXXX XXXX. Address they changed at the post office without my approval. The thieves even got my prescription medication, handicapped placard, and all other credit card offers and daily mail including personal information. I have been trying to figure out the damage for over a year with little success due to credit bureaus lack of customer service and appearance of not caring. I never received anything from XXXX XXXXXXXX concerning this card until XX/XX/XXXX when I received a letter stating to call them, which I did. I was informed that they had sold the account to XXXX XXXX XXXX. When XXXX XXXX XXXX was called they sated they did an investigation and they determined the charges were my debt. It is my opinion that multiple fail safes were compromised. The US Post Office did not require an IN-PERSON transaction with an ID card to change address, and XXXXXXXX XXXX  did not contact me to open an account.
Product: Credit card

Synchrony Bank is charging me {$1000.00} for services that I did not receive and can not provide an itemized bill of what the charges are for the account that I opened on behalf of the XXXX XXXX XXXX company, scam artists. 
I prepaid the XXXX company {$2000.00}. For which {$1000.00} was for a consultation and when My original funding plan fell through, the scam started, the dental choice representative suggested that i request a line of credit through Synchrony Bank, for which i was approved for {$18000.00} she suggested that i pay an {$1000.00} then with the {$18000.00} that the bank pre-approved me for I would be at {$20000.00} then i could schedule my XXXX and we would worry about the other XXXX that would be due in two years. When I was prematurely billed in XXXX for services that werent scheduled to be rendered until XX/XX/year> I canceled the XXXX. I canceled because I couldnt afford it. Outside of the consultation, which I paid {$1000.00} for I did not receive any services from the dental provider. I refuse to pay for services that I did not receive. This is big corporate XXXX getting over on the poor people of XXXX and its absolutely ridiculous that I had to go to XXXX to get my dental work at an affordable rate. Its even more ridiculous that this company is trying to get away with it and affect my credit. In the meantime no one can provide me with an itemized bill for what these charges are for.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit report and noticed some inquiries that I do not recognize.
Product: Debt collection

I paid a Diversified Consultants at total of {$270.00} on XX/XX/XXXXfor a XXXX XXXX XXXX bill. I requested a letter be mailed and emailed to me. The company said sure. On XXXX XXXX or XXXX I called back because i never received the letter or email. I was told it will be emailed. On XXXX XXXX I called again XXXX and XXXX told a letter had been mailed out to last week. When I inquired about the letter being emailed to me I was told I had to send them something in writing to have the letter emailed to me. When I asked for an email address I was told their email was down and they did not have a fax number. 

I called back later to leaned the names of the individuals I spoke with, and I spoke with XXXX XXXX, who said he would drop a letter in the mail, but did not ask for me to send him a letter of request. 

Three issues : 1. I was told the letter was mailed.
2. I was told they could not mail the letter without me sending them a request. 
3. XXXX claims he is going to send me a letter without a letter of request from me. 

So what is this agency 's policy, did they ever mail me letter like they said, will XXXX really put a letter in the mail, do they really need a request from me, is their email really down for more thank a week? This agency appears to be lying to the consumers.
Product: Vehicle loan or lease

For months I have been receiving billing statements for a Westlake Services , LLC ( dba Westlake Financial ) account with the name XXXX XXXX XXXX attached to it. These statements have been sent to my email address in error. For some reason my email has been attached to this person 's name. 

I have tried contacting customer service repeatedly. The best they could do was provide a customer service email to request that my email address be removed. I have communicated the issue in phone conversations and emails. I have blocked the address they send the financial statements from. To no avail, I still receive these billing statements from Westlake Services , LLC ( dba Westlake Financial ). I am not nor ever have been related to or known a XXXX XXXX XXXX. 

I am writing this complaint to protect my identity from theft. If there was a breach of information, my email would be connected to this person. I consider the constant emails harassment as Westlake Services , LLC ( dba Westlake Financial ) does not and will never have my business.
Product: Debt collection

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws.
Product: Bank account or service

Wells Fargo continue to charge me late fees on a vehicle that was totaled loss on XXXX XXXX, XXXX and the payment on the account was due XXXX XXXX, XXXX. This was a vehicle that had been refinanced through Wells Fargo. My insurance paid the vehicle off XX/XX/XXXX and the remaining balance was paid in XXXX XXXX all but XXXX. Wells Fargo has charged off on account on XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Absolute Home Mortgage Company pre qualified and approved us for a mortgage that we could not afford, As a result My husband and I are now seeking a loan modification and possibly bankruptcy. Made settlement XXXX XXXX, 2015. We would love to be able to keep our home.
Product: Credit card or prepaid card

On XX/XX/XXXX I called and reported my card stolen. They cancelled the card and said it would take 15 days for the new one to arrive. I said it was fine and hung up. 30 days later I called again. They said it had been sent back saying I couldn't be found. I gave them my address, again and they said they were sending a new card. 30 days later I called again, they asked me to wait a little longer. I waited until XX/XX/XXXX, which was officially 60 days later. They said by the end of the month. It's XX/XX/XXXX, no card. When I call the system says high call volume call and call back. I want cancel my card because I don't want to be charged monthly fees when I can't use card.
Product: Credit reporting or other personal consumer reports

Item 2 : - Account Name : XXXX XXXX - Inquiry Date : XX/XX/2023 - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 3 : - Account Name : XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/2023 - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 4 : - Account Name : FIRST CITIZENS BANK AN - Inquiry Date : XX/XX/2023 - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Product: Debt collection

I checked my credit report and saw two accounts from PROFESSIONAL DEBT for XXXX XXXX XXXX  - {$650.00} and XXXX XXXX  - {$260.00}. I just became employed, and I would like to settle the total debt owed with one payment of {$450.00}.