23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Received pre-selected Wells Fargo credit card application offer for {$0.00} APR for 21 months. Applied like I have for other credit card offers, but rather than getting an approval or denial notification right away online, I received notification to call. During that telephone conversation, Wells Fargo requested all sorts of additional personal and financial information. I supplied what I could over the phone, i.e., telephone numbers, birthdate, address, SSA #, mothers maiden name, and the like. Then Wells Fargo requested even more information in the form of documentation to be sent in. I did not supply any additional information as I was concerned that it was a scam. I believed that their request was inappropriate because no other credit card company has ever asked me for that information as it was extremely invasive and onerous on me to provide. Then, I received a letter and an email denial ( see attached ). 

In the interim, my credit score has been affected and the denial record will remain on my credit score for either one or two years. Plus, I am more concerned that they will use my application information for some type of identity theft. 

Additionally, I believe that Wells Fargos offer was false advertisement, if not a scam, especially since there was no information that they would required all kinds of additional information for the application approval process. As I had mentioned, no other credit card company application offer has ever done this to me. Typically, offers are very straightforward from other credit card companies. 

I believe it was after the phone conversation, I applied for another credit card, which had a {$0.00} APR with absolutely no problem, and was approved online. I have an excellent credit rating.

Three things I would like to happen if possible : 1 ) make sure that my information expunged from their system so it is not used for anything nefarious ; 2 ) have this information expunged from my credit score record ; and 3 ) have Wells Fargo be more specific with their offerings so that its not a false advertisement. 

The file attached of the application offer may not be the original that I applied to, as I may have thrown away the original. I am not sure, as for months, I received these offers and finally decided to take advantage of one.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a 609 letter to Transunion, XXXX & XXXX asking for proof of verification for the following unverified accounts.
Product: Mortgage

To Whom This May Concern, I have been waiting for Wells Fargo to issue a mortgage discharge from 2011. XXXX held back {$1500.00} Escrow when I sold the property. I have received half of the funds owed to me. XXXX informed me that Wells Fargo made a mistake on the 2nd discharge for the balance of {$750.00}. Is there anything that I can do? 
Thanks, XXXX XXXX
Product: Credit card

I kept my card balance paid and up to date. I was actively building my credit score. I noticed a large purchase one day of over {$600.00}. I immediately called the credit card company to dispute. We discovered while on the call that the charge was made in Florida. I advised the company that this was fraud and they advised me that they mailed a card out to Florida in my name to an address in Florida because someone was able to call and verify my email and password so they shipped the card to them. I was distraught. While speaking to them and advising that I have never been to Florida and did not authorize these charges, they assured me that if I faxed them a copy of my I.D . they would fix the charges and close the account. I sent my I.D . that week and called several more times. They closed the account and did not reverse charges and now reporting negatively on my credit report. I would like to mention that they advised me that and payments of {$600.00} plus dollars were being charged and paid from Florida a few times during this period. I have now a fradulent Florida address on my credit report. I have this week called each credit bureau to have this removed/corrected. Midland Credit Management which represents XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX refused to correct this issue and is determined to bill me for fraud. I refuse to pay these charges and will continue to fight for my credit worthiness since they helped these scammers steal my identity and sent cards out without my knowledge or consent.
Product: Bank account or service

I opened the new bank account with Synchrony Bank and they let me make deposits into the account with no issues but when I wanted to access to my fund they just held my money hostaged for no solid reasons. The Supervisors and Manager of the bank kept promising to return my money the next day and then next day and then next day .... Almost two months passed by, they still did not return my money.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX / XXXX XXXX Balance : {$1600.00}
Product: Debt collection

My name is XXXX XXXX XXXX. My bill was processed under the name XXXX XXXX ( one word ). My name prior to marriage was XXXX [ XXXX XXXX ]. 

On XX/XX/XXXX I had a car accident in which I was not at fault. I was assured by XXXX XXXX  ( both my insurance company and person-at-faults insurance company ) that all expenses would be covered by the other partys insurance policy. 

A bill was never sent to me and I discovered a collection debt of {$900.00} ( before interest ) while checking my credit score. This was the sequence of events that took place. 

XX/XX/XXXX - Collection Filed Without Knowledge XX/XX/XXXX - I discovered the debt on XXXX. 

XX/XX/XXXX - I called the collections company Wakefield & Associates to ask them to provide a bill. I provided my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and they agreed to send a bill. 

A few days later I spoke to XXXX XXXX and they re-assured me that they will take care of the bill once I present it. 

I waited 45 days and never received a bill. 

XX/XX/XXXX - I called Wakefield & Associates and told them I have not received their bill. The man I spoke to was XXXX. He was abusive and rude and refused to send a bill, claiming he had already sent it and he was not going to send another. He said the only way to fix this is to pay by phone right now and he demanded my debit card information. I didnt want to pay because this bill is in error and I have still yet to receive it. 

On XX/XX/XXXX, I spoke to the company that handles the billing for the hospital and they agreed to send the original bill ( prior to collection ). 

They sent me a bill that has the description of the charges which total {$900.00} but the amount owed shows XXXX, since it has already been sold to Wakefield & Associates. 

Here is all the info from that bill : Physician group : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX Location : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Primary Insurance : XXXX XXXX XXXX Account # XXXX XXXX Tax ID # XXXX - XXXX XXXX is responsible for paying this collection debt to Wakefield & Associates, not me. XXXX has already agreed to pay but I have not been able to obtain any information from the collection company to follow through with the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX, equifax, and XXXX has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 USC 1681 section 602 A states I have a right to privacy. These addresses do not belong to me : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I'm traveling internationally and tried to pay my credit card bills using the mobile app around XXXX XXXX XXXX blocked the transaction and locked my account. I called customer service to get it unlocked. 

I tried payment a second time thinking that I've confirmed that I'm accessing the account outside the country. 

They blocked the transaction again and locked my account Now they are asking me to visit a physical location to unblock my account. I can't access my bank account at all. 

I get that fraud prevention measures occasionally flag transactions but refusing to let me access my money is unacceptable
Product: Credit reporting or other personal consumer reports

These late payments aren't in line with my usual payment pattern.
Product: Checking or savings account

I went through my chase bank statement today and i noticed there were monthly charges from XXXX XXXX XXXX of {$9.00}. It was an unauthorized purchases that i never ordered from, the only purchase i did was for XXXX XXXX subscription. Charges were made from XXXX to going back XXXX. The bank was only able to disbute it for up to 60 days and XXXX refuses to refund me all those months from the start. Its a total of {$89.00} ; {$9.00} times 9 months. What can i do about it??
Product: Credit reporting or other personal consumer reports

Despite having an extended security freeze between XXXX and XXXX, Discover Student Loans acted in a predatory manner by ignoring the freeze on my account and allowing an unknown person to take out a loan in my name. The company never contacted me to obtain my consent or requested a copy of my identification, something even libraries typically require. I contacted Discover Student Loans and, following guidance from the Federal Trade Commission, asked them to close or remove me from the fraudulent account. On Wednesday, XX/XX/XXXX, I spoke with a representative named XXXX. She was combative and refused to assist me. When I asked to speak with her supervisor, she claimed the supervisor was in a meeting, took my number, and stated that I would receive a call back within XXXX hours. I never heard back.
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized/inaccurate accounts. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Product: Mortgage

I'm in process of paying off my mortgage in full. I spoke with Loan Care numerous times over the last few weeks and asked to note my account that Im paying off the loan in full so I would NOT get any late payments and they agreeded ect. They sent me payoff paperwork and I have been working diligently and sent all the paper work in last thursday and now waiting for all to process. Close the loan and move on!!! 

there is no law stating that any transaction needs to be reported. 

So any late payments need to be removed immediately especially since they violated my privacy and consent which there was no consent at all!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed for a Motorcycle bike loan in XX/XX/XXXX, with my son in law, which was paid in full on XX/XX/XXXX. At the end of XX/XX/XXXX, we received the Notarized Lien, a satisfaction letter and the original bank loan papers stamped PAID from the bank. However, in XX/XX/XXXX, I tried to get a loan to help my brother purchase a home and when the credit report came back I was informed that Synchrony Bank/XXXX  had been reporting that the loan was been reported as late since XX/XX/XXXX thru XX/XX/XXXX and then as a charge off which is still being reported as of today the same way. I have contacted 2 times since XX/XX/XXXX, the first time I spoke to a Manager named XXXX and I explained the situation at which point to proceed to tell me that apparently the amount of {$940.00} was some type of interest owed. I asked her Why is it that we are finding out this information now and not before you decided to send wrong information to the Credit bureau? She said that someone had called which was a lie because when I asked her to tell me when someone called she said they could not tell me because nobody noted the account. Fine, I said. Then, I said, we were willing to PAY THEM AGAIN for something that was already paid but we would need them to send me a letter stating that they would erase the wrong information from the Credit report because it was damaging and I have worked too hard over the years to have good credit in case I needed to use it to send my kids to college. I explained to her that I had in my possession the documents I described above and she said to fax them to her and gave me a fax number. Not 10 minutes had passed when she called me back saying not to bother sending the documents and that she was prepared to take the money from me but it would have to be a debit transaction and that they would not change any information in the credit report because they didnt have the power to do so. I told her that I was going to consult a lawyer and ended the conversation. I then proceeded to dispute the information with the Credit bureaus. XXXX  erased the information in XX/XX/XXXX but I entered a dispute with XXXX in XX/XX/XXXX and the most recent one in XX/XX/XXXX and both times were denied from erasing the information. This situation is adding more stress and aggravating my XXXX diagnosis these past 6 months. How can people so this and get away with this? If they want money, again, we are willing to give it to them but they need to admit their mistake and erase the wrong information from our files.
Product: Credit reporting

TransUnion shows on my credit report the amount {$860.00} past due to XXXX University. I have spoken with multiple people at XXXX and they all tell me I do n't owe any more money to the school and my accounts were paid in full XXXX of 2015. 
Trans Union is ruining my life and since their website is garbage, I ca n't file a complaint there.
Product: Credit reporting

I have a hard inquiry on my credit report from XXXX. I do not know or have I authorized such inquiries! Please take this off my report as soon as possible! Thank you! 

XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for XXXX XXXX XXXX have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting

Transunion shows XXXX open accounts in collection for medical bills originating at the XXXX ( {$1200.00} ) and XXXX ( {$650.00} ). XXXX these accounts are actually for the same bill. XXXX sent me correspondence stating that they would accept a reduced amount ( {$650.00} ) to satisfy the outstanding {$1200.00} bill. I paid the agreed {$650.00} directly to XXXX on XXXX XXXX, 2015. The cleared check is attached. Despite my resolving this account by agreement, Transunion still shows these accounts as open and in collection.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I contacted Experian and requesting that they dispute and remove the following credit inquiries, and they refused to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I already have a complaint that was filed with you ..case number XXXX XXXX.I wanted to add that my loan was in the " Conditional Approval '' stage with some conditions that I needed to meet. The condition was that I make repairs to the deck and and have re inspection done..well I did everything they asked of me and deck was inspected and passed..they are now saying that they are denying loan because I need porch repaired and inspected. I have explained to them and supplied documents of this being done. The loan officer XXXX XXXX does not like me because I have been pushing him to get stuff done on a refi that has now taken 3 months. He takes delight in trying to make loan fail.He will not respond to any emails or phone calls. I have met the criteria and have documents to prove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Federally protected consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit card or prepaid card

Nuisance security calls, blocked credit card accounts, and blocked security emails are problems I do not want from my credit card issuers. Citicard has failed in all of these areas. I do not want to waste my time answering questions about potential fraudulent {$10.00} charges. I do not want to have telephone conversations under intermittent holds and speaker phones. I do not want my credit card to be limited by potential fraud charges which Citicard will not identify to me. We apologize for any inconvenience, but to protect your account, further charges may be limited until you have contacted our Customer Service Department. <P/>My emails under the Secure Message Center a safe convenient way to contact us about your account. Here you can send, receive and update messages securely to get answers about your account. NOT. My emails have now been blocked. ( See attachment ) My other card issuers do not present these problems. They do not use security as an excuse for poor performance and poor procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  was paid in full and is listed as not paid charged off, my attorney advised me once they accepted payment in full the remarks has to be removed it is on Transunion XXXX
Product: Debt collection

On XX/XX/2019 Jefferson Capital Systems address XXXX XXXX XXXX. XXXX XXXX MN XXXX phone number XXXX. I was transferred four times! I was talking with a XXXX, XXXX, XXXX and the first lady I couldn't hear her very quick speech. No one could give me a fax number everyone had the same speech " that they used to have one ''. Im unsure about company 's they're working in an office no email no fax number. How do they stay in business. People cant get documents or anything more from clueless employees. We have the rights to send them this. I hate that I have to get on here for someone to get this out to this sad company that can't give out information that should be posted on paperwork on a website something. I have never received anything from these people. Never heard of them until I look at my credit report.
Product: Credit card or prepaid card

I used this credit card 4 a balance transfer ... b4 it became due I paid them off ... however I sent too much money ..now they refuse to send back the overpayment back to me. I've called numerous times requesting my close to {$1900.00}. Funds in overpayment back to me ... .this credit card refuses to do so ... please help
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. 
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 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 ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 

These companies have not and never do a thorough investigation nor do they provide proof in writing showing a thorough investigation or results. Furthermore I have not given written permission to anyone to report on my behalf on my credit reports or use my information. 

The following needs to deleted from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that FCRA 605B demands the removal of incorrect accounts from my credit report. Could you review the documents? Some accounts listed have errors in the reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute last XX/XX/2021 with the credit reporting agencies in regard to inaccurate information reporting on my credits reports. I never received any notification in regards to the investigation results. It has been over 44 DAYS. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft 4 times over. Once by Equifax credit breach, once by my son 's fiance, once by a renter that stole my computer. And as close as I can tell the last one was by whomever bought my information. I had a XXXX XXXX  account in XXXX I believe. This account was opened in XXXX and closed sometime in XXXX. It is interesting to know that my computer came up missing in the spring of XXXX and I found out and caught the individual on XXXX day XXXX. This, along with the purchase of a XXXX XXXX XXXX are not my purchases. I can even get a car because these people have demolished my credit.