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

Filed chapter XXXX bankruptcy XXXX/XXXX/XXXX, approved for XXXX XXXX credit limit of XXXX, XXXX XXXX XXXX and XXXX XXXX for XXXX in XXXX of XXXX. Bankruptcy XXXX in XXXX of XXXX. Fast forward to XXXX checked my credit report XXXX Experian showed that all three credit cards where added to chapter XXXX bankruptcy I then called experian to see how that was possible since I did not add them on list of creditors for bankruptcy. Agent then told me that sometimes when someone applies for anything before discharge date that what ever accounts are open at time will be added to bankruptcy and the creditors are the ones who contact credit bureaus with information and that I should contact credit companies. Since XXXX XXXX was the creditor still emailing me stating that I owed them I contacted them just for them to tell me the exact same thing Experian told me. So I stopped paying on the credit card. Now here we are months later of going back and fourth with this particular situation all 3 credit cards have been added back to equifax and XXXX report and has my score droped because of higher utilization rates, late fees and now I have extra credit cards that I do n't not need because I opened 4 other cards to restablish credit now there is a total of 7 cards that I can not pay for.
Product: Credit reporting or other personal consumer reports

I'm " XXXX XXXX '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I had received a 30 Day Late Payment, due to unemployment. I have a job now that was better than my previous job and I get paid more. I came to an agreement with XXXX XXXX when I spoke to one of their representatives that they are willing to remove my 30 Day Late Payment on my credit report for all 3 bureaus. XXXX already got this remark removed off my credit report. We just need XXXX and Experian to remove the 30 day late payment off my credit report.
Product: Credit reporting or other personal consumer reports

I have been attempting to receive a consumer disclosure/credit report from Chex systems since XXXX XXXX XXXX and have been unsuccessful. I was informed in XXXX XXXX XXXX XXXX XXXX XXXXXXXX that I was being denied access to having a checking and savings account due to information that was shared with the bank from Chex systems on XX/XX/XXXXXXXX XXXX XXXX  I believe that Chex systems is reporting fraudulent and/or inaccurate information to my consumer credit report which violates the FCRA. I have been trying to access my Chex systems credit report to ensure its accuracy but have not been able to receive one from Chex systems which gives the impression that they have something to hide. Also Chex systems is violating my rights as a consumer by not sending me a copy of my consumer disclosure/credit report that Chex systems maintains.
Product: Credit reporting or other personal consumer reports

I have an address reflected on my credit report : XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

I have never been associated with this address and have been a victim of identity fraud.
Product: Credit card

This is the third complaint that the XXXX is closing my complaints without actually solving the problems. At this point, I am extremely angry. They have locked my credit card for XXXX months claiming fraud. They refuse to let me on my account to pay my bills. I sent over XXXX documents of proof of identity including my banking number and routing number to pay bill on phone. I told the agent on the phone next month I am not paying on the phone again because I am giving some random stranger on the phone my banking numbers. Of course the second month came, they still have me locked and I still can't use the card. They responded on here saying that I needed to call again and fix this which I did today. They confirmed my identity she said on the phone and asked me any of the charges were associated with fraud and none of it was fraud. All the purchases were done by me. So she told me on the phone that its back to normal again and that I can use the card and pay my bill. She lied to me for like the fourth time, as I still can't use my card and the website still can't be accessed via password and username. So I had to call again to pay my bill because its past due again. They are striking my credit score, raising my minimum wage to pay monthly and is giving me obstacles to take fiscal responsibility. At this point, I am done and sick and tired of some corrupted company that's taking there personal time to XXXX with my life. I owned credit cards since I was XXXX XXXX XXXX and I am XXXX XXXX XXXX and never missed a payment in my life until this company decided to XXXX with me. I want to sue these XXXX, these XXXX. This XXXX XXXX can't be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Transunion to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. I have contacted the bank and they have agreed to correct the account. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report but Transunion has some internal block which they're claiming they can use to not correct the account because they feel they're above the law. When asked why they're not accepting the dispute letters, they claim they have an internal policy ( which is OUTSIDE FCRA laws ) and they're unwilling to explain why. This account below needs to be corrected ASAP : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

To Whom It May Concern : I opened a credit card with Chase and the card number was XXXX. I was unable to claim the rewards from the credit card, so I decided to close it. When I talked with the Chase representative to cancel the card on the phone, she told me that I could get a refund of the annual fee of {$69.00}. Since I had an outstanding balance at that time, she suggested that I could deduct the {$69.00} from the balance and pay the remaining portion of it. I did that, but found out that in a month that the {$69.00} was never refunded to me and it became overdue charge on my account. I called Chase credit card hotline again on XX/XX/XXXX, and the representative told me that the it takes two cycles for the annual fee to be refunded. He suggested that I should get the refund by XX/XX/XXXX. But if I dont get the refund by that time, I should go ahead to pay the {$69.00} to avoid it from being overdue again. I paid the fee in XXXX as I didnt see the refund, and I called Chase XXXX on XX/XX/XXXX. The representative told me that hes going to check with their tech team about the conversations I had with the representatives in the past, and send me a response in mail later. However, there was no mention of the conversations in the mail Chase sent me later. 

I went to the Chase office to try to resolve the matter. The representative in the office called the credit card center on my behalf, and asked me to write a letter to explain the whole thing because the card was closed. I wrote the letter and sent it to the Chase representative on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Chase credit card center stating that they couldn't refund me the annual fee because the card was closed. 

I was very frustrated with the whole process because two representatives from Chase promised me that I will get the refund of the annual fee, and I had a recording of one of the conversations. However, the story completely changed after I paid the fee in full, and they never sent me any reply regarding the results of their tech teams investigation. Later they even rejected my request for the fee refund on the basis that the card was already closed! The card was closed when the representative promised me that I would get the annual refund. They never answered my request to get those conversations I've had with their representatives as evidence of their promise to refund me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is furnishing accounts that are not mine! Pursuant to Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ) I am requesting ALL alleged debts to be verified within 72- HOURS of receiving this request or they be IMMEDIATELY REMOVED! Please see attachment for accounts in question.
Product: Mortgage

Reviewing all my complaints to cfpb, the letters I have sent to Selene Finance for Mortgage assistance and Selenes reply to the Bureau, I have found more errors from Selene and unfair practice. 
Please review all documents, I havent been helped by Selene only drowning me more with my default amount. 

Thank you for your assistance!!
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding the way Zelle has handled a situation that has happened to me. After notifying Zelle of the disputed charges against my bank account they failed to protect me as a customer as so my financial institution. They failed to investigate my claim after notifying them of the situation which allowed the perpetrators to continue to scam others. I also provided them with enough evidence needed. The CFPBs findings have found on numerous occasions that Zelle is negligent to protect consumers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 141 financial loss, financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

In the two days since I filed my previous complaint against Wells Fargo, they have attempted to absolve themselves of guilt and responsibility by falsifying new evidence. 

This falsification amounts to processing two charges by XXXX that were NOT authorized by XXXX but put through my account as Pending. 

XXXX then improperly assessed an overdraft fee which remained after those two charges were dropped. 

Almost a week later, after filing a complaint with you for the improper overdraft few- they NOW have processed those original two charges, never approved by XXXX -!! which XXXX will attest to. 

Putting through those two charges of {$180.00}. XXXX {$190.00}. XXXX Creating a NEGATIVE BALANCE IN MY ACCOUNT of {$370.00} -- -- -- Detailed explanation : As you know, two attempts were made to purchase XXXXXXXX XXXX  Neither transaction went through but both were debited against my XXXX debit. 

Those charges were always Pending and could never have cleared. 

In that time, Wells Fargo assessed an overdraft fee for a payment previously made because the two pending transactions created a negative balance. 

WF is not allowed to assess fees for Pending transactions. 

The two XXXX charges eventually dropped off but WF refused to remove the overdraft fee. 

I reported them to the Consumer Protection Financial Bureau and I emailed them stating that their activity had been reported. 

In response, they created a false statement that both of those XXXX charges cleared my account and were paid to you. 

I have asked XXXX XXXX, an executive at XXXX XXXX, for a written letter, stating that those two charges made through XXXX were never successfully processed and that they never received payment for them. 

This is not new behavior for Wells Fargo. 
In the past, I won a settlement against them for reordering my deposits and charges so that the withdrawal were seen to come before the deposits, artificially creating an overdraft. 

Fortunately, I had screenshots that proved they had reordered them after the fact. I believe they were also subject to a class action suit in another state for the same behavior. 

Please help me hold WF accountable for its ongoing criminal and corrupt behavior. 

This Wells Fargo direct deposit account and Visa Debit account is my account for XXXX XXXXXXXX payments. 

After twenty years as a professional health educator and patient advocate, I was forced to retire early on XXXX XXXXXXXX. 

In the forwarded emails below, you can see their attempt to create this new falsehood. 

Hello, In the few hours that it took to report additional misdeeds on the part of Wells Fargo, things have gone from bad to worse. 

In an attempt to cover their misdeeds - Wells Fargo has NOW processed those two transactions from XXXX so they can now claim that the overdraft fee was justified but my screenshots prove that this was processed after the fact. 

{$180.00}. XXXX {$190.00}. XXXX Creating a NEGATIVE BALANCE IN MY ACCOUNT of {$370.00} Can WF get any lower - any sneakier?
Product: Credit card

I made an overpayment of {$0.00} on my Citi/AAdvantage Platinum Select Card a few months back. Got my XXXX 2015 statement and it shows no credit. The balance is XXXX out. The Account Summary section of the statement shows the following adjustment : Post date : XXXX/XXXXDescription : Balance removed due to XXXX mos inactivityAmount : $ XXXXXXXXThis is the XXXX time of all my 30 plus years of credit card history to encounter such an adjustment on account credits from a credit card issuing bank. I also wonder how many accounts Citi Bank has XXXX out and pocketed the gains from account holders. Encourage the CFPB to look into the matter.
Product: Prepaid card

On XX/XX/2023 I received an email that information had changed in my account when I attempted change my password it would not allow me. I reached out to the company to let them know that there was some fraudulent activity going on with my account. And I verified all of my information except the address that was changed. They were unwilling to help. I'm afraid that my personal information has now been distributed. Due to their lack of security.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is being reported late for the months of XXXX and XX/XX/2020. I explained to the XXXX XXXX that I traveled to XXXX in XXXX and contracted the XXXX XXXX  and was severely ill and out of work. I was unable to pay my bill due to my illness. I paid the months that they claim were late as soon as I was released from the hospital. It is a national state of emergency and they are refusing to update their credit reporting. at no time did my wife receive any correspondence that my payment was going to be late and make future arrangements with the company. XXXX XXXX was always paid on time. They reported to Transunion, XXXX, and XXXX  30 day late in XXXX and XXXX and I was understood that they would not reporting negative credit during this pandemic.
Product: Debt collection

This is my parents phone number. I setup a payment plan and gave them my phone number and told them that I ca n't be reached at the number they have been calling and to stop calling. They stopped for awhile but are now calling my parents multiple times per day.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER XXXXAs required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I called XXXX, XXXX and Trans Union in XXXX of XXXX. I requested for all three of these credit bureas to remove multiple negative items, hard inquiries and collections from my credit reports. The information that I requested to be removed from my credit reports are negative items, hard inquiries, collection and debt that I did not authorize nor agree to. I do not recognize said information. This information hasn't been removed yet. Today, ( XXXX, XX/XX/2024 ) I went online to all three credit bureau websites ( XXXX, XXXX and Trans Union ) and submitted disputes against all the incorrectly reported information. In accordance to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 AND the ( Consumer Financial Protection Bureau ), this incorrect information has to be removed from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX name XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy. 

15 U.S.C 1681 Section 602 A. It also states a consumer reporting agency can not furnish account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several items with each credit agencies snd the information still remove two accounts on my report should be removed because it was requested by both companies to be removed XXXX and XXXX  REQUESTED TWO FILES BE REMOVED YET EXPERIAN XXXX  AND XXXX  ARE NOT ABIDING THIS IS ONGOING AND MY SCORE IS NOT BEING RAISE CORRECTLY I am at a point to seek counsel because for years I have kept record of the mis information XXXX DELETED ASAP XXXX DELETED ASAP THEY ARE NO BALANCES ON THOSE ACCOUNT
Product: Credit reporting or other personal consumer reports

I am writng in regards to my consumer disputes that was never responded to which is unprofessional and against consumer law fdcpa-frca, its been 30 plus days still no response from the companies in question
Product: Debt collection

The company calls themselves East Point XXXX XXXX XXXX XXXX, looks like out of XXXX NY. 
Tried to portray themselves as attorneys, when pressed for bar numbers they tried to back pedal and said they are a collection agency that represents XXXX XXXX. 
The amount they claimed I owe was not correct and did not have all the proper information. They claimed they served me with papers, which I am a process server and I know the laws with that ... when I informed them of that they recanted and stated they did not believe they had the correct information and I never received the paperwork, uh duh! I was never served nor have received anything from them in writing. 
The people I spoke to there ( 1 female name XXXX and 1 male named XXXX ) threatened me with a judgement and " other things I do not want to deal with. '' They called a family member and claimed to be something else and she is filing a complaint against them as well for their lies and behavior towards her.