23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX | XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts be verified or removed immediately. Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account Unverified Account Unverified Account Creditor 12 Unverified Account Creditor 13 Unverified Account Creditor 14 Unverified Account Creditor 15 Unverified Account Creditor 16 Unverified Account Creditor 17 Unverified Account Creditor 18 Unverified Account Creditor 19 Unverified Account Creditor 20 Unverified Account Creditor 21 Unverified Account Creditor 22 Unverified Account * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You, XXXX XXXX XXXX XXXX. IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. Signed, sealed and delivered in the presence of : XXXX XXXX XXXX XXXX. XXXX Signature STATE OF COUNTY OF I HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared XXXX XXXX XXXX XXXX, who is personally known to me or who has produced XXXX as identification and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same. WITNESS my hand and official seal in the County and State aforesaid thisXX/XX/XXXX. XXXX Notary Public Printed Name : My commission expires :
Product: Checking or savings account

The lady who was helping me. I am XXXX yr old and XXXX XXXX XXXX so I have trouble getting around. Also XXXX XXXX  when I got my social security check in XXXX of this year I noticed someone was using a card to take out cash and make purchases. I immediately called my bank Truist and reported it. They had sent me a new debit card and this lady got it out of the mailbox and started using it. She had gone to the store for me in the past with previous card so she knew pin to enter. I called the bank immediately and gave her name and boyfriends name. Bank refunded one purchase boyfriend made to ex girlfriend but thats all I have gotten back.
Product: Checking or savings account

Voilation of Comsumer Protection Law & Retaliation GOOD DAY, I have a Business and Personal Checking Account with WELLS FARGO. 
On XX/XX/year> I was trying to use my WELLS FARGO Personal checking Debit card, upon realising it keep failing transaction. I called the bank customer service to figure out what the issue is, they told me the card is blocked and and it is because of a claim. I told him why would my card be blocked I told her to block the merchant from reccuring payment becuse I looked on my statement and it showed recurring so why is my card blocked and he said that they had to transfer me to a different department or get his superior on the call to undo the block. He transffed me into the IVR and the call got disconnected. Just after the call I went over to the bank to figure out what the issue was. I got a call back from wells fargo wherin the agent say to me that she is calling on the behalf of closing my account, I ask under what grounds of circumstances are you closing my account. She then stated that they are closing my account because of a Claim of {$120.00}. I said to her that I reported a fraudulent activity on my account and you are telling me that I have no right to report Activities to the bank that I do business with about illegal activities on my account. She went ahead reiterating tht shes closing my account because of a claim and that shes only closing my personal checking and I said my businessn account card is also not working and she hung up..

I went to the bank to withdraw my {$11000.00} from my business account and {$1200.00} from my personal, as I was about to get to the teller wells fargo called me back and now shes saying that my business account was unblocked and no longer in closing and that they are closing the personal. so I took her name and agent ID ( XXXX ) Agent ID ( XXXX ). 

After that I Withdraw my fund from my Business Account and my funds from personal. XX/XX/year> I got and email from wells fargo that they are closing my Business checking account, So is this a target of you guys showing unethical reprocussional behaviour.. have a lawsuit being drafted. THIS IS RETALIATION FOR EXERCISING MY LEGAL RIGHTS? closing my account because I reported Fraudulent activities on my account for {$120.00}, which I have XXXX 's of thousands coming in per month?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2023 FACTUAL DATA XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 FACTUAL DATA XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1.  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

Home Depot via Citibank is engaging in gender discrimination I applied for a Home Depot credit card for a project in my name only ; my credit score is XXXX, my income is XXXX, I have one active loan XXXX and I am a woman. They offered me a card with a {$500.00} credit limit. When I asked why such a low limit based on my credit score, I was advised they use a matrix. They would not give me details on the matrix and just told me to contact the credit bureau. 

My husband applied the next day. His credit score is XXXX, his income is XXXX and he has the mortgage and a card loan. They gave his a card with a {$5000.00} credit limit. 

Prior to XXXX of this year, the house we owned had the mortgage in both names but because I was doing temporary work ( steadily from late XXXX through early XXXX ), I didn't want the hassle of explaining my work history on the mortgage application.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my XXXX is XXXX XXXX XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report I am a victim of Identity theft and did not make the change. I ask that the item be deleted to correct my credit report, I reported the theft of my identity to the Federal Trade Commission and i have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Financed a vehicle through XXXX XXXX usa. the Loan was completely paid off in XX/XX/XXXX and account was closed..XXXX is reporting that the account was discharged in Bankruptcy. I did not file Bankruptcy and there is no Bankuptcy on my public record. This is the incorrect information that Experian is reporting. I spoke to XXXX and they told me that they are not reporting that status to Experian. 
XXXX XXXX XXXX Account Name XXXX Account Number Auto Loan Account Type Individual Responsibility XX/XX/XXXX Date Opened Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$27000.00} Original Balance {$0.00} Highest Balance 84 Months Terms - Balance Updated - - Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK XXXX OK XXXX XXXX XXXX XXXX XXXX Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft the following accounts were not opened by me : 1 ) XXXX Acct # XXXX
Product: Debt collection

I have never received any communication from this debt collector prior to them reporting to my XXXX credit report on XX/XX/year> a collection of {$3000.00}. I did dispute online. Additionally, per : A collection agency is not allowed to report medical debt to your credit bureaus under a new rule finalized by the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, this medical debt is NOT allowed to be reported to ANY of my credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

EWS ( Early Warning Services ) unlawfully obtained my credit profile and reported it to XXXX XXXX XXXX XXXX without my permission. Initially XXXX XXXX allowed me to open an account with no problem but 2 days later they placed a restriction on my account and I have not be allowed to access it due to whatever info that is being reported by EWS. They are now holding my money and will not allow me to access it.
Product: Debt collection

Debt Collector called me from a private number. Would not verify who they were but told me I had a debt with XXXX XXXX XXXX for {$210.00}. I needed to pay immediately or they would immediately report me to the credit bureaus. Would not let me call the vendor to verify the debt. Would not let me verify who was calling me. Told me they sent me months of letters in the mail. 

However, the Vendor told me they tried to get ahold of me until the end of XXXX. So the collector only had it for a week or two and thus could not have ever sent me any correspondence about the debt. When I said I needed to verify they told me " Too late! '' and hung up on me. After verifying with the Vendor, I tried to call back and they either never picked up or hung up on me. I left two messages to call me back, and never received one. I called the vendor directly and paid the debt on XX/XX/XXXX. It is now XX/XX/XXXX, and the " delinquency '' just showed up on my Credit Report and was reported XX/XX/XXXX. I have the receipt, they would not call me back or pick up the phone, and marked the account delinquent while violating my rights to dispute, and threatened me with derogatory credit rating.
Product: Checking or savings account

Sadly, this is a continuation of closed CFPB Case # XXXX, also submitted by me. That case was closed as HSBC committed to fixing the issue, but they have failed to do so. The issue is that HSBC US failed to honor its committment of a new account reward for opening a checking account back in XX/XX/2020. As noted in my prior complaint, I interacted via HSBC 's chat feature so confirm that I would be eligible for a {$750.00} new acct premium so I opened a checking acct, deposited {$500.00}, and switched my direct deposit to HSBC. Those actions would meet the requirements. Subsequently, HSBC never gave me that new account premium, and each time I sent a secure message to them ( provide in my last case ), I got a, " we need time to research '' response - this went on for months. After i complained to the CFPB, they responded that they couldnt connect my new acct to a premium offer ( which is rediculous, and sounds like UDAAP ), but that they would fulfill the reward within 4 weeks. here we are again, a few months later ... .no credit from HSBC , ad I almost lost it when the response I got to my last inquiry about when the credit would post with a notification that I am not eligible for a promo offer. Not sure if HSBC is harshly deceptive ( this has to be fine-able ) or just truly clueless and cant keep their commitments ( still unfair to customers,. and warrants further investigation ). There is likely a much bigger issue here worthy of at minimum an audit of their promotion communicationa nd fulfilment practices. For my personal case though, i want this resolved with them honoring thei new acct premium of {$750.00} which I orignially applied for, or if necessary, then the {$700.00} max promo which they alleged was the only premium I was eligible for ( my direct deposits were large enough I would have maxed out that $ XXXX/month, not to exceed a total of {$700.00} they communicated in their response to you last time ). I won't accept less than {$700.00}, even though they should be made to provide all of the marketing they had in place in XXXX XXXX, and unless they are deceptive in their response to you, there you will see their {$750.00} offer which I originally became aware of through nerdwallet.com. Thank yo uvery much for working with me to have HSBC keep their published new account premium commitment as well as the commitment they made to you and me in their response to the original case. I've had bad customer service frpom companies before, but this absolutely, and easily, sets a new low. thank you again for your help. XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Dispute of Collections and Charge-Offs on Credit Report : Dear TransUnion Consumer Solutions, I am writing to formally dispute certain entries on my credit report, specifically related to collections and charge-offs. This dispute is being submitted under the Fair Credit Reporting Act ( FCRA ), particularly referencing 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1666b. 

The entries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Open : XXXX XXXX Balance {$0.00} I believe that the information reported is inaccurate because the debt has been paid if it's a Charge Off. Under 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report accurate information to credit reporting agencies. If the information is found to be inaccurate or incomplete, it must be corrected or deleted.

Additionally, according to 15 U.S.C. 1666b, creditors must ensure that the information provided is truthful and reflective of the actual account status. As such, I request that TransUnion conduct a thorough investigation into these entries and remove any inaccuracies from my credit report. 

I kindly ask that you complete your investigation promptly and inform me of the findings. Should the investigation confirm the inaccuracies, I request that you remove the disputed collections and charge-offs from my credit report and provide written confirmation of such action. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name and number XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX BANK Account # XXXX. 
XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX 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 an 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, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank is mistakenly reporting me late as of XX/XX/2022. This is a complete error and needs to be rectified immediately. Please see the attached paperwork. This account was paid off on XX/XX/2022 so the late on XX/XX/2022 is an error. There was a payment of {$2000.00} the month prior too ( XX/XX/2022 ). Please remove the late asap please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number  XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

About tree days ago XX/XX/year> i check my credit score to buy a house. I notice my score decreased to a very low score. JEFFERSON CAPITAL SYSTEM Reporting a XXXX XXXX XXXX bill that was deleted from my account months ago. This is not my account all three credit reporting agency deleted this fraudulent alleged account. I did not get a letter from Jefferson Capital System. This alleged debt appeared on my credit Violating unfair or deceptive practices to collect debt. This company caused my family and i hard delaying me the agility to purchase my home.
Product: Debt collection

On XX/XX/XXXX XXXX ; Amount {$800.00}, totaling {$1200.00}, appear on my credit report. I filed Bankruptcy on this XXXX/XXXX/XXXX. The case number is # XXXX and it was XXXX on XXXX/XXXX/XXXX .It has been 7 years and they 're trying to collect on this. I want this removed from my credit report.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report i have noticed and surprised that I have been a victim of identity theft. Someone used my identity to apply for credit cards. Please Dispute and remove following inquiry XXXX  XXXX XX/XX/year> XXXX
Product: Debt collection

In XX/XX/XXXX I began monitoring my credit report. I noticed that I had a collections on my account in the amount of {$4100.00} for a XXXX account. The Collection company was Deversified Consultants. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX Florida XXXX. 

( XXXX ) XXXX. I disputed this information on my credit report asI had no knowledge of the account and did not purchase anything or have XXXX services. The dispute came back as valid in XXXX. I disputed this account for a second time. I called Diversified Consultants and they said that I would need to contact XXXX to clear the account. 

I then filed a complaint with the federal trade commission, and sent a notarized investigation request/ affidavit to XXXX. To this date XX/XX/XXXX I have had no correspondence from XXXX or Diversified consultants, and the negative account remains on my credit report as a collection in the amount of {$4100.00}. Please help.
Product: Checking or savings account

Subject : Reopening the case # XXXX Bank of the West/ BMO converting my ROTH IRA to Traditional IRA and not taking responsibility or offering a remedy.

The Bank of Wests reason for not offering a remedy to their mistake was I should notice their mistake within 60 days and ask for correction.

This was not applicable to my account due to Bank mailing statement once a year. By the time they mailed to me my first statement, it was 12 months later.

Every Statement they sent shows after my name BANK OF THE WEST AS CUSTODIAN, and I paid a monthly fee for each IRA account.

They were the custodian, they are responsible for their mistake.

The Bank of the West has very sloppy works need to be investigated.

I have found 4 IRA investment forms provided by Bank of the West all of them have an error : these are re-investing forms belong to 4 different accounts but somehow they all show same account number. It looks like I reinvested same account 4 times, with 4 different terms, 4 different interest rates within 1 month.

The Bank of the West need to be investigated for their incompetency to find out how many senior citizens were not able follow up on their investment or trusted to Bank of The West were harmed.

Their incompetence is not limited to my 2 findings, I am pretty sure there are many more. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe nor do I have any knowledge of this account. Please remove immediately as this is affecting my credit and causing a tremendous detriment to my financial well being.
Product: Credit reporting or other personal consumer reports

UNLAWFUL AND FRAUDULENT USE OF MY SSN AND PERSONAL IDENTIFICATION INFORMATION TO PLACE A {$220.00} INSTALLMENT LOAN ON MY CONSUMER REPORT. ACCORDING TO THE FALSIFIED INFORMATION ON THE CONSUMER REPORT, THE ACCOUNT WAS OPENED ON XX/XX/year> AND REPORTED ON XXXX