23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was approved for a credit card and I called to find out that fraud department tried to close my account without me even having it like XXXX minutes. They realized that my credit was only a XXXX I called several times and customer service told me that it was due to the fact that my credit did not meet their standards it was still in the application process which I know is not the truth because I got a XXXX account alert that my account was open and when I try to call and spoke to several times I finally was told the last four digits of the card number and that it was a account open in my name so I tried to log in and of course they wanted me to try to sign the agreement so that they can close the account at there discretion but I never did and I'm waiting to hear from someone now they will not honor their open account so now my credit had took XXXX point dip due to the fact that they close the account right off the back I know there's a lot of privacy issues with my apps on my phone and I need to speak to somebody about this I also took screenshots of the account being open on my credit report and also screenshots of the point differential.
Product: Debt collection

Ive never dealt with XXXX and Im being told that my information is verified and that my email is also verified but Ive never used XXXX or even attempted to use XXXX too build credit all my debts on my account have been attempts to build credit
Product: Checking or savings account

Bank of America refused to wire or XXXX the fund in my checking account to the other bank as I instructed them to. They suddenly and abruptly closed my accounts without any previous discussions or notifications or any of my consent. They barred all access to my fund in these accounts without providing any explanations or justifications. No frauds were identified for these accounts, no other unusual activities were found before the closure. No risks were reported. I called them XXXX times to get my money out of Bank of America, they refused to and blocked all types of transfers. It happened when I was overseas and wasnt unable to pay for food and accommodations, I was completely shocked and strained, this is has caused tremendous financial anxiety and emotional damages. I had to find another bank at the last minute and lost sleep for a week. I have been with them for XXXX  years and have nothing different or unusual during the entire time. I always pay on time, never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXXXX/XX/XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

Debt collectors are trying to say that I owe XXXX. I havent opened a credit card in my life. I was sent A credit card statement by a third-party. On the credit card statement, it pointed out that my account was open in XX/XX/XXXX. I Wouldve been XXXX at the time that the card was opened. 

Ive recently found out I have another credit card opened in my name opened in XX/XX/XXXX with a balance of {$960.00}. Again never opened or used a credit card.
Product: Credit reporting or other personal consumer reports

These accounts show late payments, that is incorrect information that I need to review. 


XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Checking or savings account

I attempted to sell an item on XXXX XXXX. The buyer wanted to use XXXX. Ive never had an issue with XXXX before. I got an alert that {$300.00} was sent to me but since it was a business transaction I needed to have a business account. So the buyer said he would send me another {$300.00} and this would upgrade my account so I can receive the funds. I would then send the {$300.00} back. I got an alert that the additional {$300.00} was sent. I logged into my account to XXXX  the {$300.00} back and my account was locked. I had to call customer service and was advised that they would make a note on the account that its fraud and then I had to answer multiple questions to get my account unlocked. By the time this was completed I logged in to cancel the transaction since this was fraudulent activity and the payment was already sent through even though they said they were going to mark it fraud. I then had to call back and get transferred to a different department to have them tell me that they can stop it if it hasnt already been sent on their end. Phone got disconnected. Then I called back and was transferred again to be told the money was already sent. There are no notes on the account at all and that there is nothing I can do. If I wouldnt have been locked out of my account and had to spend over 30 minutes on the phone to get it unlocked I would have been able to stop the transaction.
Product: Debt collection

On XX/XX/2021 - ( 5 ) debt validation request letters were sent by certified mail to ARS Account Resolution Services because I believe my HIPAA rights were violated. The debt validation request letters specifically requested that ARS provide a breakdown of fees including any collection costs and medical charges, provide a copy of my signature with the provider of service to release my medical information to ARS, and to cease any credit bureau reporting until the debt was validated by me.

First and foremost, ARS neglected to cease any credit bureau reporting. It took several weeks before a response was sent by ARS, but they continued to report to the credit bureaus completely neglecting my request.

ARS sent 3 letters back to me with NONE of the information I requested in the 5 debt validation letters I sent by certified mail. The letters ARS sent only presented a bill identical to the bills they've sent in the past attempting to collect a debt.

Within the letter, I stated clearly that withholding the information ARS received from any medical provider could be a violation of my rights, which they disregarded and neglected.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once moreXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$20.00} ; XXXX 'S XXXX XXXX XXXX : {$450.00}.
Product: Debt collection

I have not opened up a XXXX account in XXXXXXXX XXXX XXXX. Its saying that I have a debt of {$91.00} for not paying when I never opened one with them now it is on my credit. I dont have XXXX  at all. After looking at who put it on my credit report I see that they are a scam company after looking the company up. Sequoia Asset Solutions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MADE AN UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. I never made these inquiries, moreover the companies refused to get back to me and provide me with evidence of my true self made those inquiries ( fraudulent and unauthorized inquiries ) in my credit report. Please remove them as I do not recognize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reported a hard inquiry from XXXX XXXX XXXX. I have NOT requested any credit from XXXX XXXX XXXX. TransUnion is unlawfully reporting I requested loan from XXXX XXXX- and that false. The reporting caused my credit score to drop by 10 points on XX/XX/2021. I want TransUnuion to remove the false information regarding XXXX XXXX XXXX & restore my 10 points!
Product: Checking or savings account

I transferred my account funds and direct deposits into ETrade on or around XX/XX/2021. Since that date, I have NEVER been able to get a debit card in order to access my funds. I have had to keep my XXXX XXXX  XXXX accounts open to transfer money into the accounts. I have made no less than XXXX phone calls in the past almost year ; however Etrade continues to not correct this. I have requested an address change ( at their request ), I have sent them notarized letters at their request, and even created a new account and funded that account just to try and get a new debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card was open fraudulent in my name on XXXX XXXX in the amount of {$1900.00}. With XXXX XXXX XXXX XXXX. 
XXXX
Product: Credit reporting or other personal consumer reports

Upon further investigation I have found serveral fradulant closed accounts on my credit report which include ... .XXXX XXXX {$590.00}, XXXX {$0.00}, XXXX XXXX  {$0.00}, XXXX XXXX XXXX {$0.00}, and XXXX XXXX XXXX XXXX  {$0.00}.
Product: Checking or savings account

I have banked with Wells Fargo, ( when they were XXXX ) for at least 40 years until XX/XX/year>. On XXXX XXXX, my Identity was stolen in California when my daughters truck was broken into. I immediately went to Wells Fargo an changed my accounts. I had quiet a few disputes enter due to my Identity seriously compromised. My social security, my birthdate, my address, my email, my zip code, my credit cards and my entire life 's comfort zone. Fast-forward to XX/XX/XXXX when I deposited XXXX XXXX dollar bills into the ATM machine at my bank in XXXX, Fl. The ATM spit out XXXX XXXX dollar bills and wanted to confirm XXXX dollars in which I did since I had XXXX dollars in my hand. I received my receipt for the XXXX and then proceeded to make another trans action for the XXXX to be deposited. When doing so I confirmed the XXXX to be deposited and was returned my debt card but no receipt. I looked at the screen and it said OUT OF SERVICE. Wells Fargo never believed me and basically called me a liar and called me a thief. So I wrote a complaint to CFTB and Wells still kept my XXXX dollars. Fast-forward to XXXX XXXX, while on vacation, to be with my daughter in XXXX XXXX Wells Fargo decide that I was too much of a risk to them and CLOSED my account. Now I was told on the phone that I needed to go to a Wells Fargo and withdrawal my monies and they would give me a cashiers check and to go to another bank and open a checking account. I am now forced to figure out whose was a auto pay which companies have bill pay and notify all my direct depositor that my account has been deleted at Wells Fargo. So I now have to wait on my pay check from XXXX XXXX where I work to default and sent back to them and mail to my home, which could take anywhere from 10-15 days. Wells Fargo locked me out of all of my account and there no way to retrieve any of my information that I had set up for 40 years now. Plus my Identity is still compromised and Wells XXXX XXXX and all of the fraud on my accounts were all pending plus they still took my XXXX dollars. How can they get away with this egregious act to a loyal customer and tell me that I am a risk. I asked the teller if the bank does this a lot to other and she told me that I was the first. I am so overwhelmed with this position that Wells Fargo has left me in that all I do is cry and get on the phone and wait to speak to a human being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want a copy of my criminal background report from Equifax and XXXX. Pursuant to Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. That means I am entitled to a copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to 2 credit bureaus- Equifax and XXXX disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', XXXXdate verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Debt collection

Midland Credit Management arguably insists that I owe on a debt reported on my credit as of XX/XX/year> in the amount of XXXX. This account is being reported as late and in collections.
Product: Debt collection

Repeated harassing phone calls and being abusive trying to collect a debt i have no knowledge of
Product: Debt collection

I was checking my credit report through XXXX. Discovered debt with XXXX XXXX XXXXXXXX  for a Milestone credit card in 2019 that I never had possession of. The debt now shows up on credit report as Spring Oaks capital llc. Balance XXXX. I do not know where these charges came from. So I am disputing charges and debt because they are directly impacting my credit.
Product: Student loan

On XX/XX/2019, I received a phone call from 1FILE.ORG. The representative said they could help me with my delinquent loans. I gave her my income information and she said I qualified for much lower payment than what I had with my previous loan company. She emailed me an application that evening for me to fill out and return. She stated that I had a fee to pay in the beginning that would be divided into four payments, then my smaller payments would start. This plan would be reevaluated after one year. My first payment came out on XX/XX/2019. I checked my account yesterday because the second payment should have been deducted. If they took a second payment, it was a little lower than my first payment. I am going to call my bank to see what this payment is because I I don't recognize it. Today I received three envelopes from another loan company ( XXXX XXXX XXXX ). One letter stated that my consolidation was complete As I read the letters, the verbiage was different from what was discussed on the phone. I spoke to a representative from XXXX XXXX XXXX and told her about the arrangements that I made over the phone.. She asked if I was dealing with a third party. I told her I only knew of the company that I spoke to on the phone. She said they do not make arrangements like that. The system shows a XXXX payment plan for me for one year. They have not received any payment from me. She said I needed to call the Federal Trade Commission to make a complaint and see where my money is going. The representative at FTC took my information and stated that I needed to call Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had 2 accounts with XXXX XXXX XXXX. XXXX was closed in XX/XX/XXXX ( Loan A ) because it was a tied to the home we sold. The other one was a consumer line of credit ( Loan B ). I paid $ XXXX on Loan A after it was closed thinking I was paying loan B, which is the only loan with a balance. Instead of sending the money back to the account I paid out of ( XXXX ) XXXX put the payment into a member savings account. I didn't realize my mistake until I got my XXXX statement. At that time I initiated a payment from that XXXX savings  to loan B. They kicked back the payment to the savings account and would not accept it. Again, I didn't realize this until I received my XXXX statement. I then called XXXX and they told me the account had been put on hold for non-payment, even though we had a paper trail of payment trying to be made. We worked with XXXX XXXX at XXXX in XXXX XXXX, CO and after about a month they were able to look further into this and see that in fact we did attempt To make payments. We were sent an email on XX/XX/XXXX saying that they were updating the credit information. XXXX  has been updated, but transition and equites have not. I have disputed this information several times and they are keeping the derogatory information even though we have a letter from XXXX stating otherwise.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and strongly suspect foul play. I urge you to conduct a detailed investigation and promptly eliminate them from my credit report.
Product: Credit card

I traveled to XXXX, XXXX XX/XX/year>. On this day, I drove my XXXX rental to gas station. They are full service only there. The gas attendant asked for payment, He swiped my card and said it did not work. He requested cash payment. I paid the small amount, approximately XXXX  dollars US. The next day we flew home and I noticed a charge for XXXX from clipmex. This was not a charge I authorized, and it was not a charge for any service or goods. I immediately contacted Citi credit card to report and they sent me a new card. For 5 mos I have been trying to clear this up and have credit card company credit back my account. They have denied my claim 3 times. They are now saying I need to show proof of a receipt to prove I did not make the purchase. This makes no sense. They also said vendor responded and said services were delivered for the XXXX. I have no receipt from the merchant specifically stating what this purchase was for. 

This is a very clear and common scam performed in XXXX. Gas station swipes card, says it does not work, accepts cash, then charges large amount of money. It cant be classified as fraud since I gave merchant credit card. In addition I was told card didnt work, so I have no receipt, which makes a credit dispute difficult to fight. 

Citibank billing dispute told me I should be more responsible and I should contact my local police for resolution. 

This was obvious theft and fraud and credit card company is stonewalling and gaslighting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with the Credit Bureau XXXX, Experian and XXXX. There is a collection company called XXXX XXXX XXXX XXXX that was moved off my credit report last year with the same account and same balances that the company did not provide or have validation for. They were trying to collect on an account that was suppose to be sent to Medicaid because I am XXXX and receive medicaid. This company was removed last year and it is illegal for the credit bureaus to put this back on my report. I don't know if it's a miss up due to the XXXX breech, but this needs to be investigated and removed. Or I will seek legal counsel.
Product: Credit reporting or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Based on the information provided, it appears that there is an incorrect account with XXXX XXXX XXXX XXXX that is being reported on my credit report, and my dispute to have it removed has been unsuccessful. 

Even though the XXXX XXXX XXXX admits the account is incorrect, this makes it a case of willful non-compliance. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. The XXXX XXXX XXXX is required to investigate my dispute and provide me with the results within 30 days. If the investigation finds the information to be inaccurate, the credit reporting agency must correct or delete the information. This is supported by the case of XXXX v. XXXX XXXX XXXX Bank, where the court held that the FCRA imposes a duty on credit reporting agencies to conduct a reasonable investigation upon receiving a consumer 's dispute. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) provides protections against abusive, deceptive, or unfair debt collection practices. If the XXXX XXXX XXXX XXXX account is being reported in an inaccurate or misleading way, this could be a violation of the FDCPA. The case of XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX established that the FDCPA applies to the activities of debt XXXX, which could include the reporting of debts by financial institutions. 

The Gramm-Leach-Bliley Act ( GLBA ) also requires financial institutions, including XXXX XXXX Auto Finance XXXX XXXX XXXX XXXX privacy and security of my personal financial information. If the institution has failed to properly safeguard my information or has disclosed it without my consent, this could be a violation of the GLBA. The case of FTC XXXX XXXX XXXX XXXX demonstrated that the GLBA imposes data security requirements on financial institutions, and a failure to comply can lead to enforcement actions. 

Being as though this is not the first attempt to fix this problem, the XXXX XXXX XXXX no longer has 30 days to respond, but they have to delete in XXXX business days or less
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting a paid account as a collection/Charged Off to all three credit reporting agencies.
Product: Debt collection

I have faxed cease and desist to this company on several occasions and advised verbally on several occasions including XXXX/XXXX/15 to XXXX management and collectors not to contact me. I declined to provide them a phone number and adivsed this is becuase I DO NOT WANT TO RECEIVE CALLS. Today I received a call from XXXX XXXX XXXX XXXX ext XXXX his caller id # XXXX @ XXXX XXXX XXXX/XXXX/15. 
He stated XXXX him to call me. I advised him as per a previous coversation with him XXXX/XXXX/15 and management I adivsed I wanted no calls and did not give them this number to call me in fact I refused my phone number all together. I advised my phone number is on a cease and desist and always has been. That he should not be calling me under any circumstances. I took his information and advised him I would be reporting this incident. 
When my phone rang with this debt collector I was in XXXX XXXX and was asked to leave the room due to the disturbance.