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

On XXXX XX/XX/2022 at about XXXX XXXX I called the Wells Fargo customer service line to enroll in online banking. A male person in charge of customer service calling himself " XXXX '' claimed my telephone number on file with Wells Fargo rendered the account ineligible for an online account. I pushed back by asserting that Wells Fargo had indeed validated the number upon opening the account, then I told him to text the verification code to validate the number. " XXXX '' refused to do so and continued gaslighting me with claims that he couldn't put in writing because they were not truthful and not factual. I stated to " XXXX '' that Wells Fargo was indeed practicing a form of redlining by claiming my phone number was ineligible for online banking. I told him the area code of my phone number corresponds to a city with large population of XXXX Americans. Back in the XXXX and XXXX, banks such as Wells Fargo frequently denied banking services, accounts, and loans to XXXX Americans whose phone numbers were tied with their physical addresses in XXXX areas. 

Later that morning, I escalated the phone call to a department that receives and supposedly investigates discrimination complaints. The female customer service representative became defensive when I stated to her that by using the claim the bank did not verify the phone number to deny an online banking account, Wells Fargo actively engaged in the discriminatory practice of redlining. She continued with the gaslighting until I reasserted the claim that Wells Fargo was indeed actively discriminating against me. The customer service representative made vague assurances someone would review the situation and contact me at an unspecified date. 

Wells Fargo practices redlining when the financial institution refuses to XXXX access to mobile banking based on false claims that customers are ineligible for services because the bank refuses to verify phone numbers.
Product: Checking or savings account

I had an account with Wells Fargo in XXXXXXXX XXXX XXXXXXXX. Someone had got access to my account and was using while I was at work. They used my account to purchase different items and different states all in one day. When I went to the big branch in XXXX XXXX I couldn't get any help and my account was closed I had over XXXX dollars when my account got accessed and I wasn't able to get any of it back.
Product: Mortgage

XX/XX/2022 : I mailed PMI removal request form with payment cheque to PHH Mortgage Services LLC. Th request form includes list of home improvements I made XX/XX/2022 : The cheque was cashed XX/XX/2022 : I called PHH for followup. No progress was made XX/XX/2022 : I called PHH for followup. PHH sent me an email asking for list of home improvements ( which I included in the request form I mailed ). I responded the same date. 
XX/XX/2022 : PHH sent me an email asking for cost of home improvements I made. I responded the same date. 
XX/XX/2022 : PHH sent me an email asking for dates of home improvements I made. I responded the same date. 
XX/XX/2022 : PHH told me my request is under review by PMI removal team XX/XX/2022 : I called PHH for followup. No progress was made
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion I have called Transunion numerous times about unauthorized inquiries on my report due to identity theft. Every time I call they tell me they are unable to assist however will not tell me why. Then proceed to send me to the department that can help me but I only get an option to leave a voicemail and never receive a call back. 

Because of this I am unable to efficiently dispute over the phone and my Mail disputes have gone unnoticed taking away my rights.
Product: Credit card

I opened an accout that Promised/Advertised I would get a Credit Limit of {$12000.00}. And I could Use that amout to transfer another credit card balance. I was told I could ask for a Credit Limit Raise once I " Physically '' received the card. I received that card and was told my Credit Limit was {$10000.00}. And I could ONLY Transfer a Balance of {$8000.00}. 
This is Decptive and Fradulent Trade Practice. 
I asked for a Credit Increase and it was Denied. 
I make {$160.00} XXXX per year with a {$2000.00} mortage payment. 
I then asked to Close and Cancel the account. They did not want to do that until I became very Insistent.
Product: Credit reporting or other personal consumer reports

Your Name XXXX XXXX Your Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX City, State, ZIP Code Phone Number XXXX Email Address XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX  Disputes Department, Subject : Dispute of Credit Report Entry I am writing to formally dispute an item listed on my credit report. After reviewing my credit report, I noticed the following inaccurate information : Account Name : [ XXXX XXXX XXXX ] Original Creditor [ XXXX XXXX XXXX  XXXX. 
Account Number : [ XXXX ] Original Balance [ XXXX ] Date of Entry : [ XX/XX/XXXX ] The reason for my dispute is : [ " The account is not mine During year XXXX I was living in XXXX XXXX GA. XXXX To XXXX XXXX XXXX XXXX XXXX Ga. XXXX This card was sent to the Address XXXX XXXX XXXX XXXX XXXX In XXXX / This Address is not mine " ] I request that you investigate this matter and correct any inaccuracies in my credit report. Please inform me of the results of your investigation and provide an updated copy of my credit report once the correction has been made. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHRORIZED INQUIRIES : XXXXXXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to XXXX, XXXX and Experian regarding the following account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. The date of these disputes are as follows : XX/XX/2024, XX/XX/2024, XX/XX/2024, and XX/XX/2024. Despite all of these letters sent to these three bureaus, there has been no resolution or corrections.
Product: Payday loan, title loan, or personal loan

I was a customer of checksmart in XXXX XXXX, ohio and i am outraged at that company i only took out a loan for {$400.00}, And every month there are weird fees that i did not agree to. 
There is something majorly financially wrong with that. 

I was in accidents on my XXXX  job, and i feel they are discriminating against me due to XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I sent credit disputes to all XXXX credit bureaus advising them to check the accuracy of my report and correct and or remove items, as they were aquired without my permission. On XX/XX/year> I put a cmplaint in with XXXX. This is my second time reporting this issues. I did file a police report.
Product: Debt collection

I have never had an account with Capital One and they are sending me bills that are not mine. I am XXXX and a documented victim of identity theft. When I call their phone numbers their representatives put me on hold and don't return to the phone calls. I am refusing their mail from this point forward because they have the wrong person and have never provided the original contract and arbitration agreement that an account holder would have signed to verify that this debt is mine, because there is no original contract due to me never having an account with them.
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 XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Equifax should ensure that my correct personal information is reflected on my credit report. The name " XXXX XXXX '' is incomplete and should be updated to my correct complete name, " XXXX XXXX XXXX. '' Additionally, my current employer is not listed, and the correct employer is " XXXX XXXX XXXX XXXX '' These inaccuracies violate the requirement for maximum possible accuracy under 15 USC 1681e ( b ), which mandates that only correct and authorized information be provided. Failure to correct this information may constitute willful noncompliance under 15 USC 1681n, which allows for damages of up to {$1000.00} per violation. I request that these corrections be made promptly. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration with the multiple attempts I have made to rectify and remove fraudulent items from my credit file, all of which have been met with limited success. Despite providing detailed information and supporting documentation, the fraudulent entries persist, adversely affecting my financial well-being and causing undue stress. 
I have diligently followed the procedures outlined in your dispute resolution process on numerous occasions, submitting the required documentation and clearly outlining the inaccuracies. However, my efforts thus far have been in vain, as the fraudulent entries remain on my credit report. 

Despite my multiple attempts to address the fraudulent items, they have not been adequately investigated and resolved, raising serious questions about the effectiveness of your dispute resolution process. 

The persistence of these fraudulent entries continues to have a detrimental impact on my creditworthiness, hindering my ability to access financial products and services on fair terms. 

The lack of clear and timely communication from your bureau regarding the status and resolution of my disputes has further compounded my frustration and dissatisfaction. 

I hereby request the following actions to be taken urgently : I urge you to conduct a comprehensive and expeditious investigation into the fraudulent items on my credit report, considering all the evidence and documentation I have previously provided. 

Upon confirmation of the inaccuracies, I insist on the immediate removal of the fraudulent items from my credit report to mitigate further damage to my financial standing. 

I expect clear and consistent communication from your bureau, providing updates on the progress of the investigation and the steps being taken to resolve the issues. 
I request that your bureau takes proactive measures to prevent the recurrence of such inaccuracies in the future, ensuring the integrity and accuracy of credit reporting. 

If my concerns are not addressed satisfactorily within the exact timeframe from the date of this letter, I will have no choice but to escalate this matter to relevant regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account with Lending Club requesting validation on XX/XX/2018. I sent a certified letter that they signed for on XX/XX/2018. I pull my credit report after 30 days and noticed that they didn't add " notice of dispute '' to my account. In addition, they had not respond to my compliant within the 30 days allotted. By not replying in a timely manner to my initial letter on XX/XX/2018, they have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

I am attaching supporting documentation that clearly shows they didn't respond in 30 days. They should have responded by XX/XX/2018. Not sending me an email on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$590.00} Collector : XXXX XXXX XXXX Account No. XXXX and XXXX Balance : {$1600.00}, {$600.00} This is a formal complaint against the three national credit bureaus XXXX, Equifax, and XXXX. I have asked them to do a proper investigation and validation of the two accounts above.

For one, I have disputed XXXX XXXX XXXX with the credit bureaus since last year, for some reason none of the three reporting agencies could provide sufficient and legitimate proof of the documents I have requested as my reference in order to substantiate their claim. The date of last activity is still reporting inconsistently in all three bureaus, XXXX  is reporting XX/XX/XXXX, Equifax is reporting XX/XX/XXXX, while XXXX  is reporting XX/XX/XXXX. How can this be when all of them should verify and validate this information from the same furnisher or source? 


The other collection account that is reported is the XXXX XXXX XXXX. I'm not understanding why there are two accounts with different balances. The dispute status of this account to my credit report is also reporting inconsistently in two credit bureaus. XXXX  shows " Account not disputed '' while Equifax shows " Account disputed ''. There is only one source of information, which is the original creditor of this alleged account. It appears no creditor investigation was actually done.
Product: Mortgage

It is with great disappointment and sincerity that I approac hed Ditech Financial to c onsider my request. I had requested a work out plan that was affordable.   Our struggling began  in 2015 when my  husband lost his job and I was the  only one brin ging in income. For a family of  XXXX . .My husband did everything to find a job. This could not had happened at a worst time. we had a reduction of income and increased expense s.. Ditech provide d a trial period. However, I made my first two payments and when I went to pay my third payment they because I made after the first Ditech will not accept it.   I desperately ask they allow me the chance to keep my home ..I have small children.   I am also certain that our financial situation will improve for my uncle is now contributing for he is home with us..   I am begin for a chance. Please review our situation, our financial and adjust our mortgage payment to an affordable level.   I hope and pray Ditech considers my request.
Product: Credit reporting

It 's been almost 7 years that I paid off the amount of {$1400.00} and I 'm tired of contacting TransUnion about this error in my credit to be remove. I just want XXXX to remove this negative item in my credit because it 's hurting me to get a credit card or loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed are fraud and I never did any business with these companies OR contracts : XXXX BANK 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. OF XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX COMPAN # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, OXXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

Equifax is reporting an incorrect address that does not belong to me and has never belonged to me. I do not reside or do business at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They are furnishing this information without my consent which goes against my rights according to the FDCPA. According to the FDCPA I'm entitled to XXXX US Dollars per violation and they are violating my rights.
Product: Credit reporting or other personal consumer reports

I have requested to XXXX to validate and verify the negative accounts they are reporting on my personal credit profile, including providing an acknowledged agreement and transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this accounts, yet they have been willing to put this unverifiable debt on my credit report.
Product: Credit card or prepaid card

I am writing regarding a dispute that I filed with my Capital One XXXX card. I feel that the investigation regarding my dispute was not handled properly. I did not receive my refund for two items that were returned to the merchant ( XXXX ). 
I was able to provide evidence that the items were picked up per XXXX request and returned to them, by XXXX. I provided them with chat transcripts. They listened to a phone conversation I had with XXXX. I offered to show them video footage of the items being delivered and picked up. I had to do the investigation. I kept being asked to provide things that I have no control over to provide. Every time I gave them something, they asked for something that did not make sense. They never attempted to contact the merchant to show them the tracking information and the delivery. They did not follow up with XXXX  to ask about their procedures. They would not accept any of my recordings. The only thing they said they did was sent XXXX the information and request a response. The response was a short sentence. The items arrived fine is basically what was sent to me. They knew that information to be wrong based on the chat that I sent them. The initial problem was getting the items picked up. They kept scheduling times when I was not home, but I saw no indication that anyone came. After the items were actually picked up, XXXX never contacted them again. 

The last person I spoke with was a supervisor. I requested to be contacted by someone over him. That did not happen. This person kept me on the phone insisting that I was suppose to provide a letter from a similar company stating my items were not the correct items, despite the fact that the items were sent back and its virtually impossible to ask a reputable company to get involved with something they know nothing about. It seemed very strange. He finally admitted that I did provide the last information that was requested. He still refused to help me stating he had to follow policy, which was to request the letter from another store. This information was irrelevant anyway, as XXXX had already got the items picked up and the items in question were never even opened. 
I do not understand if I sent the items back on XX/XX/2021, per XXXX request, and have proof that the items were sent back, why wouldnt the credit card company contact XXXX again, to get the problem resolved. I should not have to pay for something that was sent back to the company, per their request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a ID theft victim. Remove the listed accounts from my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The Following Inquires on document are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :
Product: Credit reporting or other personal consumer reports

I contacted XXXX because I noticed an unauthorized credit card taken out in my name ( which is my translated name in the XXXX, not the one I am filing the complaint under ) I let XXXX know that it is fraud and I never opened a XXXX account. I have had to let them know this twice now. I guess that they had to contact XXXX? XXXX has sent me XXXX letters now ( I can't find the first one ) with the latest stating that they can't stop the reporting until the authorized user has been removed from the account and if I had any questions or needed to remove the authorized user to contact them at the phone number listed on the back of the card. I never opened an account and do not have a card hence no phone number. XXXX did not even state that the account has been closed due to fraud. I looked up XXXX and called them but they did not have a record of any account in my name. I looked up the XXXX XXXX XXXX on the letter and it comes up with another XXXX XXXX XXXX listed as if the one on the letter does not exist. I also noticed that XXXX is a subsidiary of XXXX and the letter states the account number and lists it as a XXXX XXXX.
Product: Credit reporting or other personal consumer reports

All 3 credit bureaus received inaccurate information about the history of this XXXX XXXX XXXX collector account. XXXX XXXX is not the original creditor. The account was opened in XXXX and closed in XXXX.
Product: Checking or savings account

Opened an Checking account with the terms of making a deposit of {$500.00} or more in the first 45 days and them maintain a balance of {$500.00} for 60 days from the date the balance requirement is reached. 

Will get a {$250.00} bonus if the following requirements are met. 

I opened the account in XX/XX/2018 and have had met all the requirements but still have not got my {$250.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency cant furnish an account without my written instructions. Under 15USC 1666 B a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

This debt is not mine and I continue to get harassed and threatened. Result of identity theft.