23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I misplaced my card at a company event. When I called to get a replacement they said they processed it and sent it out. I called back a week later and they said 'they were unable to process the request and someone would call or mail me within 7 business days '. I never received anything in those 10 business days. I've now called 3 more times and got the same message from the representative and a " I can not do anything ''. I am not delinquent in any of my payments and literally can not receive back a physical card. They have not taken any action to help fix this problem and refuse to help. However, I've had the card for a long time so I don't want to cancel it and move on because it will ruin my credit score for future because of the age of the account.
Product: Credit card

To Whom It May Concern, I am writing to formally file a complaint regarding the unexpected closure of my Wells Fargo XXXX XXXX credit card due to a returned payment. I attempted to resolve this issue directly with Wells Fargo but have not received a satisfactory resolution. Therefore, I am escalating my complaint to the Consumer Financial Protection Bureau ( CFPB ) for further review. 

Details of the Issue : Credit Card Account Number ( Last 4 Digits ) : XXXX Date of Closure Notification : XX/XX/year> Reason Given by Wells Fargo : Returned Payment Description of the Problem : On XX/XX/year>, I was informed that my Wells Fargo Active Cash credit card account was closed due to a returned payment. While I acknowledge that the payment was returned, it was not due to fraud or intentional nonpayment but rather an oversight or banking issue. I took immediate steps to correct the matter by contacting customer service. 

Despite this, Wells Fargo closed my account without warning and refused to reinstate it, even though I have otherwise maintained good standing with the bank. This abrupt closure has negatively impacted my credit score, available credit utilization, and overall financial stability. 

Attempts to Resolve the Issue : I have made multiple attempts to resolve this matter, including : Contacting Wells Fargo Customer Service on XX/XX/year> I spoke with an representatives, who informed me that account closures due to returned payments are final and irreversible. 
Requesting reconsideration on XX/XX/year> I explained my situation and history of responsible account management, but my request was denied. 
Making a successful payment on XX/XX/year> Despite rectifying the payment issue, my account remained closed.
Product: Checking or savings account

I had about XXXX dollars taken from my account in XXXX via XXXX transactions, XXXX in XXXX and XXXX in a XXXX XXXX XXXX in XXXX, TX. A place where I have never been to. 

These transactions occurred on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received an email asking me about verifying a transaction in the XXXX XXXX XXXX TX, I replied to the email indicating that i had not made that transaction. 

I received another email from Regions Bank confirming they received my reply. They sent me a different card since the initial one seemed yo have been cloned. I thought that was going to be no longer a problem since they changed my card. This week I went to pay my HOA fee through this account and noticed the XXXX dollar missing in the transactions indicated above. 

I went to the bank in person to resolve this issue only to be told that it had happened over 60 days ago and they couldn't resolve, I called their customer service who instructed to go to one of their branches, at the branch the only option I was given was to call the merchant to try to get them to revert the charges which of course they wouldn't do. 
At the end, I was given no solution and decided to withdraw the rest of my money since I can't trust that bank.
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 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, 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

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX 15

U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00}, Original Creditor XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$530.00} ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$1000.00} ) XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$4300.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX, CA, Incorrect XXXX : - XXXX Incorrect CurrentAddress : - XXXX ROUTE XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S| Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I called equifax customer service to inquiry on why my equifax credit report is not available to lenders. They reviewed my account and told me I did NOT have a freeze on my report so the lenders attempting to pull my report are the issue. When I asked for a supervisor I was placed on hold and then disconnected. 

On XX/XX/XXXX and XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  all attempted to pull my equifax credit report and all responded with the same issue. My equifax credit report is not available due not enough established credit reporting. 


I called XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX and they all confirmed they are reporting my credit accounts to equifax monthly for the past couple of years. 

I can not close on my house loan until equifax fixed whatever the issue is and allows my equifax credit report to be accessed by their lenders.
Product: Debt collection

Dear Sir/ Madam I and my partner rented a small shop from a management company called, XXXX XXXX XXXX a realty company in XXXX XXXX we had hardship in running the business and made up to a decision to close the company after 1 year. we settled down with Mr.XXXX  XXXX in XX/XX/2019, he verbally told us not to worry about the rent, and now we see they have given it to a collection agency after 2 years, called Credit Associated of Hawaii, located XXXX XXXX XXXX XXXX HI XXXX. We have been getting calls from them and they have reported to the credit bureau, in this pandemic we are trying to keep up life normal, we are ready to finalize with them as well and offered them {$4000.00}, they are asking $ XXXXWe are requesting your agency to help on this matter. 

Sincerely XXXX XXXX / XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

After getting my annual credit reports, I discovered that I had a collection on my account. I found out what the original company was, an alarm monitoring system. I contacted them, they did not have my information. They said that they had put this into collection. The service was for an XXXX  address. I live in XXXX XXXX  and do not use any service of this type. I called the Perfection Collection Agency on XX/XX/XXXX and informed them this was not my debt. They said nothing. I have since disputed this on my credit reports and added a consumer statement, this is fraud. 
I am also sending a certified letter to this collection company for documentation that this is valid. It, of course, is not as I never have used these services. 
I have never lived or received mail anywhere but XXXX XXXX  in over 35 years. Never have received any mailings or telephone calls and the account was opened at the agency on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account number XXXX is reporting inaccurate information on my report which is detrimental & hurting my rating. They are in violation of XXXX XXXX as they are reporting XXXX  XXXX/XXXX  XXXX  as 120 days past due when they never reported my account as XXXX nor 60 days past due. Yet XX/XX/XXXX through XX/XX/XXXX have been on time according their reporting, so how does the reporting go from current to 120 days past due? They have also reported the last day reported as XX/XX/XXXX but currently reporting XXXX days past due. This account has been removed from my XXXX and XXXX reports for the above violations.
Product: Student loan

The application online for an income driven payment plan is wrong. When you call they give you different information ... .then send you things like this that are wrong ... 
How to Apply Online - New Applicants To expedite the process, we recommend applying online : Log in to StudentLoans.gov.

Select " Apply/Re-Certify/Change an Income-Driven Repayment Plan. '' Choose the button that reads, " Start Application. '' Follow the instructions online to complete your application. 
You can select the option within the application to securely retrieve your most recent tax return information from the IRS online, which may expedite our review of your application. 
Electronically sign the application. 

This doesn't work and the customer service people tell you that. They also tell you confusing things that also dont work. I'm having to send things through snail mail ... in XX/XX/2019. XXXX????
Product: Money transfer, virtual currency, or money service

I've some stock options from my employer company, I sold some of these shares and asked to transfer for my bank account in XXXX. It's a very usual operation, but is the first time I'm doing that with XXXX XXXX ( JP Morgan Company ). This operation was done in XXXX, the estimated time to receive the payment in my bank account was XXXX, usually this operation take hours, not days. I called XXXX XXXX everyday since the last 7 days, nobody can solve the problem, and telling me to wait because they don't what's happening. Passed 2 weeks ( today is XXXX ), they don't give any consistent information and I don't have my money transferred, I've bills to pay and they are joking with my money. 
When I called him the first time, they told the was done, I asked the receipt and some information to check it with my bank and they didn't give that. Today, I called again and they told me, they don't have the information and are contacting my bank. It's unacceptable situation and os penalizing me as a customer, so I asked your support to solve this situation. 
Support case registered in XXXX XXXX system : XXXX.
Product: Credit card or prepaid card

US bank closed my account without any notification and I did not receive the refund for the remaining balance.
Product: Debt collection

I had service with att for home and wireless service on combine billing, my home bill part was approx XXXX per month and my wireless varied between XXXX and XXXX a month. After a while I had the home phone service canceled because I was not using and was not under contract for that. I kept wireless until XXXX of 2013 and then I canceled service and went with another provider. I received a final bill from att for XXXX which I paid in full. A few months later I check my credit report and there 's a collection on there for XXXX. I called att and they could not find where I owed them anything or where it was in collections. So I disputed with credit bureaus and they removed it. The collection agency then sold the collection agency to another agency and it showed back up on my credit report, so I dispute again and it 's removed again. So now it 's sold again and some company if systems has it on my credit report again and the bureau will not take it off this time. I have asked for disclosure of this collection and why I owe it and have not received it. I have no idea of how I owe this or where the amount came from.
Product: Credit card or prepaid card

I purchased an order from Sams club on XX/XX/2021 and received the order today XX/XX/2021 but, I did not receive the " whole '' order, only a partial order. I ordered two bags of crunchy XXXXXXXX, and ordered " three '' bags of XXXX XXXX but, only received " two '' bags, on delivery, ( see attachments ). I was suppose to receive " 5 '' bags total, not " 4 '' .Order # XXXX. 

I tried to call a number to speak to someone about the issue to no avail. I could not understand the XXXX on the phone, they could not speak XXXX  XXXX too well. I tried to call Synchrony Bank Corporate headquarters, but was sent back to the XXXX who I could not understand speaking, so I could not get the issue resolved. I want a refund or a replacement, period.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following accounts were all included in identity theft claims that I have already expressed to each company listed. Pursuant to 15 USC 1681c-2 the consumer reporting agency ( Transunion, XXXX and XXXX ) shall block the reporting of any information in the file of a consumer that the consumer ( ME ) identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency 1. appropriate proof of identity ( I have provided all identifying information with this report to identify myself to these companies 2. copy of identity theft report ( I have attached for your records ) 3. identification of such item by consumer ( this is my third and final time identifying that there is an issue that has not been resolved with removing these inaccurate items.

4. a statement by the consumer ( This serves as my statement that none of the below accounts are related to any transaction by myself ). 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX By law these accounts sitting on my consumer report any longer are a violation of FEDERAL Laws. I am a litigious consumer and will go to the full extent of the law to make sure my consumer report reflects complete and accurate information. This is my last and final attempt to remedy this situation before I file a petition to sue.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the ability to opt out of certain accounts on my EXPERIAN consumer report, in accordance with the provisions outlined in 15 U.S.C. 6802 ( b ), 16 C.F.R. 313.7 ( a ), and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, # XXXX As a consumer, I understand that I have the right to control the sharing of my nonpublic personal information with nonaffiliated third parties. Specifically, 15 U.S.C. 6802 ( b ) mandates that financial institutions must provide a clear and conspicuous notice to consumers about their right to opt out of such information sharing. Additionally, 16 C.F.R. 313.7 ( a ) and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ) further detail the requirements for financial institutions to provide consumers with an opportunity to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties.

I am requesting that EXPERIAN, as a financial institution subject to these regulations, prove EXPERIAN provided the consumer the ability to opt out of the inclusion of certain accounts on my consumer report. This request is made to ensure that my nonpublic personal information is not disclosed to nonaffiliated third parties without my explicit consent.

1. Notice and Opt-Out Rights : According to 15 U.S.C. 6802 ( b ), I am entitled to receive a notice that clearly explains my right to opt out of the sharing of my nonpublic personal information. This notice should include a straightforward explanation of how I can exercise this right.

2. Regulatory Compliance : Both 16 C.F.R. 313.7 ( a ) and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ) require financial institutions to provide consumers with a reasonable means to opt out of the disclosure of their nonpublic personal information. EXPERIAN must comply with these regulations by offering an opt-out mechanism that is easy to understand and accessible.
Product: Debt collection

AGENCY TRYING TO A COLLECT A DEBT IN WHICH WE HAVE NO CONTRACT
Product: Payday loan, title loan, or personal loan

I was told my interest rates would be low and I wasn't told about a Principal and I was told with each electronic payment from my bank account the payment would be subtracted from the amount I owe. I requested for a {$10000.00} loan but all I received was {$9400.00} and they started billing me for {$10000.00}. Every month since it was started they take out {$390.00} from my bank account. I went online to check my balance and it had not went down but up. I called to ask what was going on and the person I spoke to could not tell me why and he also could not tell me why I did not receive the whole amount I had initially asked for, but they are having me to pay for {$10000.00} loan. I have paid three times on this loan of {$390.00} and the next payment is XX/XX/2018 that they will be taking out of my bank account. I was lied to and they are just draining me out of my money at this point what they are doing I will never be able to pay off this loan. I am so tired of getting the run around. Car note loans, Students etc never raise the balance after you pay on them but this company is not fair taking my money and continuing to raise the balance. It was suppose to be a fixed rate of 4.99 %
Product: Credit reporting or other personal consumer reports

From XXXX ( during XXXX ) to date, credit reporting agencies are reporting lates during a period of deferment and/or forbearance on XXXX accounts.
Product: Credit card or prepaid card

I have fraudulent charges on my credit card with Wells Fargo. Wells Fargo can not seem to get their act together and properly tag ALL the fraudulent transactions on the card. This is ridiculous. Someone needs to call me to ensure all the charges are correctly tagged and this is handled. I also LOST my sign up bonus with the card being changed with a new card number and it says I have zero rewards when I had earned my {$200.00} bonus and it was pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as per the guidelines outlined in the XXXX XXXX Reporting Format. After carefully reviewing my credit report, I have identified inaccuracies and discrepancies that I believe require your immediate attention. 

The following items are being disputed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Under the XXXX XXXX Reporting Format, credit reporting agencies are responsible for ensuring the accuracy and integrity of the information they report. It is my assertion that the mentioned derogatory information fails to comply with these reporting guidelines and has a detrimental impact on my creditworthiness. 

It is imperative that you adhere to the XXXX XXXX Reporting Guidelines in examining each disputed item. 

In accordance with the XXXX XXXX guidelines, I request the immediate removal of any verified accurate or unverifiable derogatory information from my credit report. Furthermore, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made. 

I understand the importance of maintaining accurate and compliant credit reporting practices. Failure to address this matter in accordance with the XXXX XXXX guidelines may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the guidelines. 

Thank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the XXXX XXXX Reporting Format, ensuring fair and accurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello on XX/XX/22 i sent a dispute to transunion explaining the inaccuracies in regards to some collections that were listed. It is going on over a month and have yet to received any acknowledgement of my concern.
Product: Credit reporting or other personal consumer reports

i did not ever authorize these inquiries. 
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 or other personal consumer reports

On XX/XX/2024, I looked at my report back and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) Account XXXX, XXXX Account XXXX, XXXX XXXX XXXXXXXX Account XXXX, are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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. 

I appreciate your help