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

On the morning of XX/XX//19, I tried to access my online banking. This is because I needed to pay my credit card bill and gather some information for a reimbursement through my work. I tried several times over the course of an hour with the response that I could not get in because the system was down ; however, it also had a caveat that online banking was working for customers. I eventually was locked out of my account. When I tried to contact WellsFargo, their online system said there were extended wait times for accessing a banker. So I decided to wait it out until it was fixed. Twenty-four hours later, on the morning of XX/XX/19, I tried to access my account again. It says on the Wells Fargo website that everything it up and running again. Yet, I can not access my account and it will not allow me to change my password. When I tried to contact Wells Fargo, they stated again that they have excess wait times to speak with someone and the phone system stopped working.
Product: Credit card or prepaid card

I have been a long-time customer of Care Credit. When I had my job, I have set up an automatic payment to them. I have been a good customer and paid my due. In XXXX of this year, I was not able to pay my bills due to unemployment. I have contacted them and explained my situation. What I owe them that time was approximately over {$100.00}. I made a payment arrangment with them and they accepted a few amounts. When I get a money to pay them full, I did pay them full with no balance. 

Now, when I check my credit reporting, they have not changed the status of my credit, so I disputed it. Suddenly, I received a notification from XXXX, and it says that an account has closed. When I check it out, my Care Credit closed without my knowledge. 

Today I spoke to one of their supervisors and verify the closure. And I was told by their supervisor that yes it was closed because they did a soft pull, and they find many discrepancies in my credit. I was told that in order to not use the card they decided to close it. 

My account was not delinquent as of today, and I paid my dues two months ago with no balance. My point here is that : 1 ) They made a soft pull of my credit to justify my fate with them, and this is unknown to my knowledge. 

2 ) They closed my account while I don't have current delinquency with them, however, it was, paid in full and there was not activity.

3 ) Closing my account affected my credit score. 

I think it is not fair that company would just randomly do a soft credit pull to justify to closed and account that is fully paid and no delinquency. I would understand it if I were not paying my account and the interest is accumulating, and that I have not been responsible to communicate with them. I communicated with them from the beginning, and I paid my balance as soon as I get a money. In my history with them, this is the only year I am not able to pay due to my being unemployed. And I discussed this with them. This is an unfair treatment of customer. And I had reason for my payment, and even my other credits I have reason but not intentional. And the end result of all these was I paid my creditors, and I didn't leave any balance with them. This is unbelievable to make someone suffer this way because of unintentionaly unemployment. It is destructive to the person for them to randomly pull my credit and justify to close because of my other issues. While I was current with my payment with them. And paid in full.
Product: Debt collection

On Thursday, XX/XX/XXXX my son received a call, on HIS cell phone, from D & A Collection Services. They asked for my son and then stated they needed to speak to me. My son asked who they were and they refused to give any of their information. Only saying it was regarding a debt I owed. I had NOT received ANY written or oral communication from this company at this time. I still have NO clue what debt they claim I owe. In XXXX this company called my cell phone was very rude and demanded to speak to me FYI Could not even say my last name and only has a part of my info. They stated they needed information from me regarding a debt. I asked what debt and this is where things turned even more nasty. We ended in a screaming match and me informing them to NOT contact me OR anyone on my behalf again. If they would like to address a debt they should follow the rules and send a letter. On XX/XX/XXXX @ XXXX XXXX I received a terrible call from some very rude person from this company. The phone call immediately deteriorated into a screaming match with this guy taunting me. I did contact an attorney after the call to my son and that was where I learned of the scrub lists. This man was out of line rude yelling taunting me over my birthday. He kept screaming he sent me letters. They never have, I even checked the USPS delivery notifications to see if maybe it got lost before it got to my home. IT was NEVER sent to me. They were told NOT to call me or anyone else again. SEND A LETTER.
Product: Mortgage

Good Evening, My Name is XXXX XXXX, I would like to file a compliant against CHASE. I've tried numerous times from getting denied for a modification to trying to sell my home. Chase has blocked my efforts at every turn. I have a 3 family property and because I am in default due to non paying tenants. Chase has denied me numerous times for a short sale and keeps saying HUD is denying it based that I was not supposed to rent out my property. This is absurd this is a legal 3 family, this is how I qualified for this house in the first place by the rental income this property was generating and now HUD is denying me a chance to sell my home at a short sale because I rented this property out years ago? 

I am asking for some help here. I had my realtor reach out to them again today and I am going to resubmit a short sale package for the 8th time. IN the hopes with your intervention I can finally get approved for a short sale and I can move forward with my life after this sale is over. 

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

XXXX / XXXX / XXXX/ - Date - XXXX / Amount - {$1000.00} / XXXX XXXX - Date - XXXX Amount - {$400.00} / XXXX XXXX XXXX - Date - XXXX / Amount - {$630.00} / XXXX XXXX XXXX XXXX - Date - XXXX / Amount - {$1200.00} / XXXX XXXX XXXX - Date - XXXX / Amount {$720.00}. Illegal unauthorized credit reporting of owners/ consumer alleged debt ( s ), hard inquiries.
Product: Checking or savings account

XX/XX/XXXX : Invested money through Mellon Bank at their XXXX XXXX XXXX XXXX Mellon XXXX ). Received a XXXX XXXX XXXX XXXX ' XXXX with a value of {$1300.00} at maturity 48 months after issue. ( the certificate was lost for over three decades and these are the attempts to claim its value ) A scan of the certificate can be provided on request XX/XX/XXXX : Contacted PA State Unclaimed Property Office. They found no record of the certificate being tuned over to them from either Mellon or XXXX XXXX. 
XX/XX/XXXX : Contacted XXXX Mellon to attempt to find records from the branch office. They said they have no records for the residential accounts. I would have to follow up with XXXX XXXX. 
XX/XX/XXXX : At a XXXX XXXX  XXXX, they could find no record of the certificate. They said to treat it as a XXXX in any inquiries. 
XX/XX/XXXX : Spoke with Pensions/Retirements division of XXXX Mellon XXXX They were unable to help. 
XX/XX/XXXX : Contacted Federal Office of the Controller of the Currency ( OCC ). They referred me to the FDIC and XXXXonsumer Protection Bureau. 
XX/XX/XXXX : XXXX FDIC who suggested searching on XXXX XXXXXX/XX/XXXX : began this complaint process
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Accounts XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$75.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; Medical XXXXBalance : {$75.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On three separate occasions, I contacted the credit reporting agency Equifax and informed them of two fraudulent student loan accounts that were being listed on my credit file. I sent a 605b block request via certified mail on XX/XX/2018, XX/XX/2018 and XX/XX/2018 with supporting documents such as my DL, XXXX, FTC fraud affidavit and the specific accounts that were being reported. 
Equifax failed to comply with the FCRA 605b provision on all occasions by not responding to my letter within four days on what actions they would be taking on the fraudulent accounts. Both XXXX and XXXX complied and blocked the fraudulent student loan accounts on my credit reports within 48 hours. The same information was provided to Equifax and no appropriate response was given. 
When reaching out to customer service and speaking with account supervisors, none of them have any knowledge on a 605b request and ask me " what that is, '' but acknowledge receiving my documents. They offer to send the documents to the account providers for their review and a 30 day response window. This is in direct contradiction to the establishment of the FCRA 605 ( b ) provision and has cost me denials of credit and higher interest rates on products being offered.
Product: Credit reporting

To whom it may concern, XXXX recent credit inquiries showed up on my Equifax credit report. Called the creditor, they said they did not pull my credit. Disputed online on Equifax, Finished in one day and stated nothing can be done because they are " factual record of file access ''. Called Equifax, refused to provide any proof of the inquiry except the creditor 's name which I knew already. 
Told Equifax that the creditor 's stated that they did not pull my credit and Equifax should investigate again. Nothing was done and Equifax insisted that the creditor needs to contact them over business line only in order to get this removed. I then mentioned the Fair credit reporting act that if the creditor does not provide information, it will be Equifax 's responsibility to get in contact with the creditor and If the credit bureau does n't get a response either, it has an obligation to remove the disputed inquiry. Got no comment from the agent and still insisted that this is a legal issue and they ca n't say anything about, and insist to ask the creditor to call Equifax to get this removed. 
Refused to give me further help expect keep insisting to ask the creditor to call them over their business line which they refused to give me as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank has a Duplicate Account Reporting on my credit report for all 3 Credit Bureaus that needs to be removed. 

Synchrony Bank Account # XXXX I have attached the screenshot which shows the same account number for Synchrony Bank which they say that they sold to XXXX XXXX. XXXX XXXX uses the same account # XXXX as the Synchrony Bank Account which is listed as a duplicate. 

Synchrony Bank is reporting that I have closed my credit card which is negatively impacting my credit. I now have duplicate listings of the same account with XXXX XXXX which is the same account and card. 

I previously filed a CFPB Complaint against Synchrony Bank XXXX in which they said this account did not belong to them and failed to address this issue. 
MY COMPLAINT IS AGAINST SYNCHRONY BANK. MY COMPLAINT IS NOT AGAINST XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, scam fraud by there own website they are deliberately not fixing my account as retaliation for complaints
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard inquiry alert stating XXXX XXXX XXXX made a bank inquiry on XX/XX/2022. I do not have any accounts or applications at XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I noticed incorrect accounts appearing on my credit report, and I am unsure of the reason. I routinely check my report, but this time, I spotted inconsistencies that hadnt been there before. I even tried refreshing my browser, thinking it might be an error, but the inaccuracies remained. Due to this issue, I kindly ask for a detailed review of my submitted documents so I wont have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never solicited or sought to acquire an auto loan through XXXX XXXX XXXX XXXX date of the letter I received was XX/XX/2019. I am going to assume they received my information from an unknown source in an attempt to get a car loan. 

The control number is listed as XXXX. 
I want to know why they sent me a letter of which I never inquired about from their organization.
Product: Debt collection

On XXXX XXXX I was notified by my employer Debt there was a wage garnishment from a company, I had not heard of stated that it was in court in Illinois, which I live in Wisconsin and have lived in Wisconsin for over a year at this time I was not notified I was not served, had no knowledge of the court date nor of a judgment my wages began being garnished on XXXX XXXX. I have a temper to contact the company or the law firm, and they have not responded nor have they stopped the wage garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've trying to contact all three credit agency for the past year, and No response has been provided. 
According to my credit report I have no Late or Negative issues on my credit history, But the credit agency keep saying is I have " Too many installment accounts with a delinquent or derogatory payment status '', but I have none. 
Please help on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report. Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. With that, I am asking for your assistance to delete or remove these inaccurate items from my credit file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$570.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$2200.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$4200.00} ; XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX XXXXXX/XX/XXXX.
Product: Debt collection

I lived in an apartment only to get back and forth to work because I was sick. XXXX XXXX XXXX Owned by XXXX. The Manager was XXXX XXXX. Around XXXX XXXX I spoke to her about being off work because I could not move my neck and I was going to a new doctor, I also asked about my 2-week refund for faulty electric in which I could not stay there, because it was wired wrong, and could cause a fire. I also told her I may have to move by XXXX XXXX because I was missing a lot of work, possibility of XXXX, and XXXX. She assured me that XXXX works with people like me who can not pay the full two moths rent for moving early because they become XXXX and to keep her up to date.I was off work most of XXXX XXXX and kept her up to date and turned in my letter of intent to move out by XXXX XXXX. The end of XXXX I was told that I needed XXXX that treatments were not working, and the begin stages XXXX that was not responding to treatment.I let XXXX know I had to pay out of pocket for XXXX, I had started to apply for SS XXXX, and that I was applying for XXXX thru work but it would only be 60 % of my pay so I could not afford rent. On XXXX XXXX, XXXX, I could XXXX and that was an emergency visit to XXXX who said that I could no longer work. I talked to XXXX, she said that all XXXX wanted was a letter from my doctor stating that I was XXXX and that my income would not cover rent. I told her that I already had it set up to take the rent for me, my pet, and my trash to be taken for one of the two months out of my bank account on their site and that they owed me two weeks. So she said she would try to get my one month rent back because I did not have to pay the two months for breaking the lease. I never got it back. I moved out on the XXXX of XXXX, I gave XXXX the letter From my XXXX on the XXXX, and she told me know one could inspect my apartment that day so I had to go back down there, on Monday call the emergency maintenance number to have them inspect, ( It was cleaner than the day I moved in ). They claimed she never told them I was moving. A month later I received an email from XXXX to which I responded with my letter of being approved for SS XXXX and that I would receive not income until the end of XXXX XXXX, and the letter from my appeal that I was denied my XXXX thru work. I took it that they were satisfied and it was not until this XXXX XXXX I found NCC was trying to collect money for XXXX, I sent them the documentation where I did pay, and all the information that was given to XXXX and they are saying I owe {$1400.00} that there is no letter in my file of breaking my lease 2 months before I moved out. I could not give them that information because 1. XXXX has their own site I put it on and could be easily erased and I have no access too. 2. The second one is on the laptop that had coffee spilled all over it a year ago and it fried the whole computer. The money, letter from XXXX , denial of XXXX, and aproval of SS XXXX I have.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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

these items that are being reported on my credit report do not belong to me i have already submitted a police report because i believe i am a victim of identity theft these listed items are affecting me negatively and making my day to day life hard and moving forward in my life impossible
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Credit reporting 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 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

XXXX  XXXX XXXX Account # XXXX this account is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed
Product: Credit card or prepaid card

I have tried fixing this issue with Capital One on numerous occasions, they are keep telling me they will get back to me but never hear back. There is a credit card which was opened under my name fraudulently I am a victim of identity theft and I have reported to police department " attaching copy of the police report ''. I need Capital One to remove this unauthorized account from records immediately as this dose not belong to me.