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

This has not been addressed. I am still unable to use the card the day after he called. I left XXXX XXXX several voices mails and never received a call back. I am yet to use my XXXX Business Card, I did pay the annual fee of {$95.00} already and still am not able to use it. I've been testing a small purchase and have been denied daily since XXXX called me on XX/XX/2019. This is frustrating as this is the 2nd time I've filed a complaint and still unable to reach XXXX on his contact number. 

The company sent a letter on XX/XX/2019 " On XX/XX/2019, I replied to you advising the security hold on the above referenced accounts had been removed. Regrettably, due to an inadvertent internal error, the hold on the XXXX account was not removed. This has been corrected and verified that the security hold on the above referenced XXXX card has been removed. Due to the inconvenience, we have added XXXX XXXX miles to your account. You should see this reflected on your next billing statement. I regret any inconvenience this sitation has caused you. '' Unfortunately the hold is still active and not removed and I have been attempting to make a small purchase daily but it's still unusable at this time, the security hold is still in there. 

I am requesting someone higher than XXXX XXXX to address this matter as I was reassured on hold was removed and cards were ready to be used on two events ( XX/XX/2019 and XX/XX/2019 ). Yet I was attempting to charge the card on a very small test purchase daily since XXXX XXXX XXXX, 2019 without succession.
Product: Credit card or prepaid card

In XX/XX/ 2019 I attempted to close all of my accounts with Wells Fargo which included a credit card with an ending balance of {$2000.00}. I was closing these due to the horrible customer service and lack of customer care. Having moved all my accounts, I was getting contacted by WF and I assumed that it was in efforts to win back my business. Instead, I find out in the process of buying a house that WF accepted two more months of ACH revolving charges and was charging me late fees and interest which they reported to the credit bureaus. This brought my middle score from XXXX to XXXX. The total amount for actual charges was approximately {$120.00}. In XXXX  I called the branch multiple times to inform them of their mistake of taking ACH payments on a closed card. The branch tried to reduce the 'fees ' but said they could not do anything about the interest. I said that I should not have any fees on a closed account. At this point, nothing was said to me by the branch about my credit card status. After many hours on the phone, I finally was offered to call the 'executive ' branch of Wells Fargo to file a complaint. This process takes 10 days they say. A girl named XXXX at ext XXXX managed the case # XXXX. After many days, XXXX said that I never close my credit card account! She also said that was why thay took the extra payments. I told her that was not the case and that I close all accounts on the same day. She said that was not what their records indicated. Wells Fargo offered to reduce the late fees but not the interest and thats where we stand as of today. M|With all the negative press that WF has had recently, I wondered how many other people this was being done to. If you go into a branch to close an account and they do not really close it, that's a new source of revenue in late fees and interest.???
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Sam 's Club Credit/Synchrony Bank holder since XXXX. I have contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding damaging information being reported to my credit report and a reduction of my credit line. 
Admittedly I was late once this year according to XXXX on XX/XX/XXXX in XXXX. 
This year I have lost my sister-in-law to a XXXX XXXX, my mom to XXXX XXXX on XX/XX/XXXX, and XXXX members of my family have had XXXX. I currently am in XXXX XXXX for XXXX myself. In all of that I have paid my bills to the best of my ability, more than the minimum amount. The reasons she read over the phone for the reduction were lame and couldn't be explained to my satisfaction. 
She said the amount I was paying was low, but it was always more than the minimum. 
She said the ration of my payments were low compared my credit limit. 
She also said my credit score effected their decision. Never mind I have maintained worthy credit with them and everyone else. It was just the inquiries. 

I explained I felt that what they have done is unjust and unethical. I have had this card since XXXX, with a credit limit of {$5000.00}. I have never owed them more than say {$2000.00}. 

I understand credit worthiness so I always tried to not maximize more than 1/3 of this limit. Recently they say they sent me a letter explaining this on XX/XX/XXXX, although on today, XX/XX/XXXX, XXXX read the letter because I explained on XX/XX/XXXX I hadn't received it. I was told on XX/XX/XXXX, and XX/XX/XXXX, the letter would be resent to me explaining why my credit limit and went from {$5000.00} to {$1200.00}. They ask now for a minimum payment of {$34.00}. 

They are damaging my credit score severely. My score was originally damaged because a mortgage servicing broker took from XXXX of this year to XXXX and checked my credit several times to tell me they couldn't do a " streamline '' refinance. Also unjust but I am dealing with this as well. 

I have asked to have my credit line restored and XXXX told me wait 6 months. A tremendous amount of damage can be done by then I told her. 
Needless to say, it's not restored nor fixed. Whatever you can do to meditate this would be greatly appreciated. 

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

There 16 inquires on my credit report I don't recognize. I'm a potential. victim of credit fraud therefore my credit has been promised. Please delete from my credit report. 
16inquiries These lenders have accessed your credit file 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Account ending in XXXX is reporting reporting twice on my report. This old account was closed and transferred to a new and good standing account. 
Please delete incorrect account that shows and it is reporting only on XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX has been trying to collect monies in the amount of XXXX that is claimed to be owed from a company that filed bankruptcy and closed back in XXXX. I had a credit card with HHGregg years prior that had been settled with the company therefore I am not as to how or why XXXX XXXX has for years now placed themselves on my credit as a creditor that is owed money from me which is incorrect. We are talking at the least 8-9 years ( XX/XX/XXXX ) that have time and time again reported this error in attempt to keep it open and have been disputed over and over. I have now more than 8 years later received an execution of garnishment from a company that I owe absolutely nothing too. How is this even possible? This company has harassed me for years about money that isnt even owed to them and Im tired of the harassment and fake information that has been provided about a creditor that they purchased information from many years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX. Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$4.00} XXXX  XXXX AUTO XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act BEST BUT/CBNA has violated my rights with Account # XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1666B : A creditor may not treat a payment on 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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Bank account or service

I requested to have my account closed and funds returned to me via papercheck several months ago because I do n't use this prepaid card and lost it. Each month they continue to charge me a XXXX paper statement fee and XXXX for account maintainence fee. I 'm still have not received my money. Each time I call it takes XXXX minutes to talk to anyone. I finally waited the XXXX minutes in XXXX XXXX to get a live person. They told me they never received my request, that it was my responsibility to make sure they do their job ( please listen to that call, that statement was actually made ) and that not only do I have to resubmit my request in writing once again, but there was no guarantee that they would reimburse me for the fees. It was up to their " back office '' discretion. This company makes it all but impossible to deal with, in the meantime they keep my money hostage and deduct fees every month. They are unethical and I 'm sure they are taking advantage of thousands of kids just like me.
Product: Checking or savings account

Hello I received an email for opening Citi priority checking account with 50,000 AAdvantage miles. I brought the email letter to the local branch and the banker confirmed that I can get the bonus after I meet the requirements. I opened the checking account and have met all the requirements, but I still didn't get the bonus after half a year.
Product: Credit card

Basically a few years ago I opened an account with Grain using their app which is only on XXXX they have been promising for years that it would be on XXXX  too but never happened. Once I no longer had an XXXX it became next to impossible to make a payment on time. They would notify me of a payment but I have reach out to them on their website because theres no phone number listed to call to make a payment and then they would always send a link for me to make a XXXX time payment after my due date so I was always late once I couldnt use their app to make a payment
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX Closed accounts : XXXX  # XXXX XXXX # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

I have several hard inquiries and accounts fraudulently opened in my name after XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE FILED A DISPUIT TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVENT RECIEVED ANY INVESTIGATION REPORTS. 
15 u.s. code 1681b- permissible purposes of consumer reports.

This is a violation of 15 U.S code 1681i ( 5 ( removal of inaccurate/invalidated credit information. please remove immediately. 

XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX XXXX  Account XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX  Account XXXX
Product: Credit card or prepaid card

I have received 3 unsolicited business debit cards from SQUARE. I attempted to call them as well as contacting on XXXX, XXXX and email. I am not a customer of SQUARE so its next to impossible to speak with them as the routing options on their phone system is only for customers with customer numbers. I asked them to stop sending me debit cards in the mail but I continue to receive them and no resolution from SQUARE. This is harassment possibly identity theft. No one from SQUARE has reached out to me by phone to discuss the problem or offer resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies are reporting old accounts that were included in my XXXX XXXX  bankruptcy as accurate and as a result of that, the accounts remain on my credit report when they should have been removed. I filed a XXXX XXXX  on XX/XX/XXXX, and the bankruptcy shows up on my credit report as proof. XXXX, Equifax, and XXXX refuse to take these accounts off of my credit report due to these companies reporting the accounts as accurate. 


XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX I started a title loan and was told that my payoff amount would be XXXX. It is now XXXX and my loan is still active and says I owe XXXX more dollars. I have given this company over XXXX dollars and when I call to explain this to them they say its fees. However they can not explain where the fees are coming from.
Product: Checking or savings account

They froze my accounts and took over {$16000.00}. They claimed fraud where there was none. They refused to give me any answers. Now they are even charging me overdraft fes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is giving an error code BLNK i cant get my report i went ahead and send the documents to verify myself even tho when it gives error code blnk it tells that the problem can be solved by calling
Product: Credit card or prepaid card

i took out mbna bank of america credit card they froze my account for 6 months refused replacement card for a year and demand minimum payments monthly i tried to pay them in full for 6 months now i cant consolidate the company has put me in loads of debt mbna bank of america
Product: Debt collection

XXXX XXXX  XXXX XXXX  was responsible for validating the records associated with this account but failed to do so. The requested information included : A copy of the agreement granting authority to collect on this alleged debt. 
A signed agreement where I explicitly agreed to pay the creditor. 
Details of any insurance claims filed by the creditor regarding this account. 
Documentation of any judgments obtained by the creditor related to this account. 
The name and address of the alleged creditor. 
The name associated with the alleged debtor. 
The alleged account number. 
The address on file for the alleged debtor. 
The total amount of the alleged debt. 
The date the alleged debt became payable.

The date of the original charge-off or delinquency.

Verification that the debt was assigned or sold to the collector.

A complete accounting of the alleged debt.

Details of the commission the debt collector would earn if collection efforts succeeded.

The method used to verify and validate this information. 
None of this information was provided, nor was an explanation given for the fraudulent account being listed on my Equifax report after subsequently being removed from XXXX XXXX for fraud. Under 611 ( 15 U.S.C. 1681i ), which governs the treatment of inaccurate or unverifiable information, it is evident that my credit and consumer rights have been violated due to XXXX XXXX  's failure and negligence. 
This account has been under review for over XXXX years without proper validation in any instance. As such, this account must be deleted, and any association between XXXX XXXX  and my personal information must be removed, as the information is inaccurate, invalid, and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma has told me on several occasions that I qualify for a new card and car loan with excellent approval only to be turned down everytime. This has caused my score to repeatedly go down and reflect negative marks on my credit
Product: Credit reporting or other personal consumer reports

Trans Union has failed to proper investigate a fraudulent account and refuses to block the fraudulent account. I have reached out to the company reporting and they advise me. They have remove the account based on the investigate. They did also they have provided a letter stating they have notify the credit bureau to remove the account and question
Product: Credit card or prepaid card

On XX/XX/2022, I encountered an issue with a double charge for my wedding photography payment of {$880.00} in XXXX with my Wells Fargo Visa credit card. After noticing two identical transactions from two different merchants, namely XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX, I initiated two separate dispute inquiries with each merchant as I was unsure which one to file with. One dispute was closed immediately, with the explanation that it was a duplicated error.

However, the other dispute was also closed, stating that the merchant had provided the services for which I was billed, and that I had accepted the services. I strongly disagree with this decision, as I have not paid for the same service twice in one day, especially for wedding photography services.

I have spoken with Wells Fargo customer service and expressed my concerns, requesting the exact time that the transactions occurred. Unfortunately, I was unable to obtain a satisfactory response. While I was advised to file another dispute with the other charge, it had already been declined at the beginning of the process. 

I am deeply dissatisfied with this outcome, and I would like to file a formal complaint regarding this matter. I kindly request a thorough investigation and resolution to this issue, as I believe it is unjust and unfair. I would like the extra {$880.00} refunded.Thank you for your prompt attention to this matter.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX : XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 ) ( 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 or other personal consumer reports

I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 
Experian : 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 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  Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit.

2 ) Date they purport that I gave permission.

3 ) Method they purport that I gave permission. Please include documentation of said permission. 
Thank you. 
Sincerely, XXXX XXXX