23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I 'm writing this complaint because I have an account on my credit file that is not correct and should not be reporting. The collection agency XXXX XXXX is reporting an account for XXXX for the amount {$590.00}. I do not owe this amount to XXXX before leaving all accounts was paid in full. This account is reporting to be open in XX/XX/XXXX or XX/XX/XXXX, so this is why I do not have any receipt to show my XXXX balance because I was not aware they would just not in XX/XX/XXXX put this false information on my credit file. Please I 'm requesting this account be removed and I also have disputed this account multiple time with the credit bureaus and they are not doing a proper investigation. Just because they can verify information does not prove I owe any account balance. What I do not understand why they choose to wait until this year to report this inaccurate information. Also I have had this account deleted before from another collection agency. I file a complaint previous with all XXXX credit bureaus on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I've never applied or opened a XXXX account XXXX I was in a bad accident 2 months ago, the hospital sent me an email saying their patients information was breached ill attach the email. 
XXXX XXXX XXXX XXXX ( Experian ) Bank credit card, i never applied for. 
XX/XX/XXXX - XXXX XXXX ( XXXX ) Blank XXXX XXXX XXXX ( Experian ) bank credit card. i never applied for XXXX XXXX XXXX ( XXXX  XXXX ) Bank credit card i never applied for. 
XXXX XXXX XXXX XXXX XXXX ( Experian ) Never applied for this credit card. 
XXXX XXXX ( Experian ) bank credit card i nevel applied for. 
XXXX XXXX XXXX ( XXXX  XXXX ) Bank credit card. over 2 year drop off period XXXX XXXX XXXX ser ( Experian ) bank credit card, i never applied for. 
XX/XX/XXXX XXXX XXXX ( XXXX XXXX , Experian ) Please take this off my report its over XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX Experian , XXXX XXXX these are reporting too all 3 bureaus and account is passed 2 year mark please remove off my report asap.
Product: Credit card

I attempted to use my Sams master credit card in the store today ( XX/XX/year> ) and I was unable to use it to make a purchase. Therefore, I called customer services and I was informed that my card was closed yesterday and that I should be receiving a letter in the mail because the representative was unable to explain why. I have never been late on this card and would pay my balance off in full majority of the time every month. A couple of hours later I received an email from the company because I informed the representative that I was going to make a complaint. Closing a customer credit card or making any negative changes to their account without any prior notice is extremely unprofessional, embarrassing, and should be unethical. What is this way to resolve this issue? Closing an account will have a negative impact on my credit score, which is unfair to me since my account has always been in good standing, paid on time, and I did not request for the account to be close.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I opened an account with Venmo to receive money our group had received as a gift with the intent of distributing it evenly between us. Suddenly I was prompted and asked for government ID and the last four digits of my social security number which I provided. After the information was provided I received an email saying my account was frozen for reasons of suspicious activity and after contacting customer service they said I would have to wait upwards of three weeks for a response, which is entirely unacceptable. Especially since I have already provided them with all the information needed and then some.
Product: Checking or savings account

For the reason that has not been revealed to me, US Bank has frozen my account and is closing it. I have attempted to close my account at the local branch where it was opened. They will not close the account. After numerous calls to US Bank, I was informed that it would take them 45 days to close the account and release my funds. This is ridiculous, and the resources the bank has frozen are resources that I use for my everyday living expenses.
Product: Debt collection

They first contacted me by mail. Then the phone calls started coming in. I told them I didnt know what this debt was for & they told me I owed XXXX and had to pay. I told them I didnt have that money & the person I spoke to told me I had to make a payment. I started crying and they told me If I didnt want my credit to be hurt that I had to pay. I kept repeating myself and eventually told them to stop calling me but they kept calling. I blocked the number from my phone and they contacted me again through a different number. 
Ive reached out to Century 21 multiple times through phone and emails and have not received a response either.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX, Experian and XXXX XXXX notified a breech of my ss # amongst many thousandths was exposed by a hacker group XXXX. Because of this I have had unusual happenings.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX after had hired a credit repair law firm in XX/XX/XXXX. My credit score allowed the due process to get a home finance. A loan. I applied with a XXXX XXXX XXXX. My first application on XX/XX/XXXX was denied, because a credit reporting agency had reported a XXXX collections. I owed no debt and the information was incorrect. I contacted the credit bureau reporting it and requested they remove it. I was denied. I returned a phone call to the XXXX XXXX XXXX office. I gave the documents that supported the right for the removal of the collections debt reporting on my credit report withholding the home finance application from due process. The XXXX XXXX XXXX - loan officer had contacted the Credit Bureaus and without incident it was removed. XXXX XXXX XXXX had gotten me the home finance approval as long as my credit report pulled XX/XX/XXXX had no debt /collections reported. The Credit report pulled XX/XX/XXXX approved the process of the home finance. I needed the small down payment for the purchase. etc. I was reported in collections with a payday loan XXXX XXXX XXXX   XXXX redress XX/XX/XXXX. The personal down payment loan assistance and investigation for the return of theft of account going back to XX/XX/XXXX expired the home finance approved XX/XX/XXXX. On XX/XX/XXXX I was notified of a data breach going back to XX/XX/XXXX. XXXX XXXX. In review of credit reports for XX/XX/XXXX & XX/XX/XXXX the information reported by XXXX XXXX XXXX in the collections debt retains 4 debts. Yet on that date of the Inquiry 's it was expressed that XX/XX/XXXX the home finance was approved to process the application and pay the down payment. Down payment was needed so i applied for what i am applicable for in reference to a credit card, financial, tax identity theft indicator prepared by the Department of Treasury. IRS going back to XX/XX/XXXX placing a id theft indicator on account XX/XX/XXXX with credit repair in XX/XX/XXXX for the having of a credit score for the personal loan for down payment assistance. I had no intentions to have to go back to XX/XX/XXXX to remove fraud and etc the FTC XXXX settlement. I contacted XXXX XXXX XXXX in reference to the above information assisting i the undersigned in contacting a company. : XXXX XXXX for my credit report XX/XX/XXXX & XX/XX/XXXX. XXXX XXXX XXXX are unable to provide me with a copy or letter affirming its assistance in removal of a debt and therefore the 2 credit reports furnished by XXXX are as equal to provide customer of each credit report on the dates of my 2 credit Inquiry were XX/XX/XXXX & XX/XX/XXXX. : XXXX XXXX XXXX if followed by more XXXX XXXX reporting inquiry to be removed in XX/XX/XXXX. Data Breach XX/XX/XXXX XXXX XXXX credit reports for XX/XX/XXXX and XX/XX/XXXX state totally other than the home finance inqury 's a application. as processed in the information provided.
Product: Bank account or service

Wire transfer recall with XXXX missing and the bank refused to refund or send a letter to explain the issue. 
XXXX is missing from my account after a recall. I spoke with different agents to refund the money to my account or send a letter to explain to me what is happen. I heard different stories from different agents. 
XXXX : she asked me for money to trace the missing amount. 
XXXX : she said we do not charge customers for traceability process an she helped me to submit the complaint XX/XX/XXXX to her XXXX and she provided me the case number XXXX. XXXX said they will contact me within XXXX hours I did not hear from them. 
XXXX : I called today XX/XX/XXXX. XXXX told that his XXXX told him that the case was submitted XX/XX/XXXX this is not true because XXXX did already XX/XX/XXXX. 
Please feel free to contact me if you need more informations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a discover account and a credit card for that account that was enrolled in auto pay for several years. At some point, my credit card was stolen and after reporting I was sent a new credit card. I did not use this card for a few years until I was asked to either use the card or the account would be closed. Consumers should not be forced to use a card. 
However, I used the card to make purchase and months later I received an alert on my credit monitoring service that my account was delinquent. 

On contacting the customer service dept about why my card did not auto pay the amount, they mentioned that discover uses the same number for credit card and account number ( an internal detail ) and that changing a credit card number changes the account number and therefore the auto pay setting was turned off. I received no email, no text message, no phone call notifying me that my account was past due. When I talked to the agent she asked me to check my statement and my statement showed due date in the future and no indication of having missed a payment. She then walked me through the previous balance and interest charged and then mentioned because you have previous balance your account should be considered due ( Note that accounts can have previous balance even if you make minimum payments and this is not an accurate method to say the account is past due ). Totally horrible customer experience and discover was not willing to acknowledge that they are at fault. 

Internal details of a company and how their cards or security work shouldn't impact the end client and their financial future.
Product: Debt collection

This is a 3rd part debt. I'm now being sued for damages for the amount of XXXX. All this came about when I exited the XXXX and I didn't even get served my brother in law did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit card or prepaid card

I am a Chase credit customer. On XX/XX/XXXX, Chase contacted me regarding a fraudulent charge. I immediately told them on XX/XX/XXXX that the charge was fraudulent. Furthermore, I spoke to them twice both on XX/XX/XXXX and XX/XX/XXXX to have the fraudulent charge removed but to no avail. Both times, I was rest assured that I would see the credit on my account within 24-48 hours. On XX/XX/XXXX, I finally found the emails of several people at JPMorgan Chase leadership. They claim that the credit was not issued because of " system errors. '' Furthermore, they indicated that speaking to a customer service agent twice on separate dates with no result was in line with their customer service levels. I find this hard to believe and would like the XXXX to start investigating whether Chase is actually causing financial harm to customers because of their failed internal controls. I hope that customers are not being charged for things that they did not authorize, which is a control deficiency in itself, and more importantly that they get those fraudulent charges removed immediately upon confirming to Chase. I believe if I had not contacted the executive office, I would still be responsible for {$25.00}. In the meantime, their fraud department located in XXXX, whom they referred me to activate my new card have their head in the sand and do not realize that they need to activate the card.
Product: Student loan

I been in contact with this agency numerous times to submit documentation to enter there rehabilitation program. We Submitted documents in timely manner most day same day with the rep. Documents are not being submitted to admin team in timely manner. I call the agency numerous time and left messages and there have not getting back with me in timely manner. There are letting the documents expire to garnish my wages we have made the appropriate payment on our end and has been looking to enroll in program and there taking the funds and not honoring there end of the agreement to put this loan in good standing. This has been a struggle to get this company to follow there own policy and be ethical and the process. Also they like to keep changing the process of how they receive information because they do such a poor job of following up on there clients
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the TRANSUNION regarding inaccurate reporting and fraudulent accounts listed on my credit report. Upon reviewing my credit report, I discovered multiple accounts that fraudulently reporting and damaging. These accounts have been inaccurately reported to the credit bureaus and are negatively impacting my credit score and financial well-being. Despite disputing these accounts with the credit reporting agencies, the fraudulent entries continue to appear, indicating a failure to correct or remove the inaccurate information as required by law. This situation violates the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ) and 609 ( a ) ( 1 ), which mandate that credit reporting agencies ensure the accuracy and completeness of the information they report and provide consumers with the right to dispute inaccuracies. Additionally, Section 605B of the FCRA outlines that information resulting from fraud or identity theft must be blocked from a consumer 's credit report. The continued presence of these fraudulent accounts on my report, despite my efforts to correct them, constitutes a violation of my rights under the FCRA and has caused substantial harm to my financial standing. I am requesting an immediate investigation into these discrepancies and the removal of any fraudulent accounts from my credit report.
Product: Payday loan, title loan, or personal loan

Pnc doesnt allow to link account
Product: Checking or savings account

Wells Fargo reps reply to below issues by referring to prior replies which either state the payments in question show cashed or address verified. The payments may show cashed in which case, not by myself.. As stated numerous times prior, the payments were sent after I moved from address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CT XXXX. I moved in XXXX of 2020, payments in question including amounts of {$3700.00} plus IRS taxes and {$500.00} plus IRS taxes were sent months after I moved and as far as I can tell, cashed by another party in my name. I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX I've explained this in prior complaints, needless to say, Wells Fargo reps have not addressed issues.. There is mention of a letter signed which was not by myself, agreeing to payment amount of {$500.00}, also sent to old address after moving.. I can assure the CFPB this letter was not signed by myself.. Further, the amounts in total, {$4200.00}, do not cover damages sustained as result of Wells Fargo reps opening various checking/savings accounts which I did not need or want..I 've called the executive phone bank with Wells Fargo numerous times, given various bogus/incorrect numbers for Remediation Dept for unauthorized accounts. It appears Wells Fargo reps are trained to provide wrong numbers in order to dissuade customers from reaching correct dept. In order to locate correct number, I had to call XXXX, the company whom issues checks for Wells Fargo, given correct number which I've been calling on and off with no resolution ... I've spoken with several supervisors including XXXX and XXXX, requested whereabouts of checks, reasonable settlement offer, new claim rep assigned... To date, nothing done in re to any of those three requests.. Please note, the payment amount of {$3700.00} was reported to IRS for tax year 2020 and needs to be updated to show no payment since it was not received/cashed by myself. Failing to honor this request, Wells Fargo is liable for interest and fees charged by IRS, should my return be audited for not reporting such payment..
Product: Credit card

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened aXXXX XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ), An personal credit card opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), An personal credit card Account opened at XXXX XXXX XXXX  XX/XX/XXXX Account number ( XXXX ), An personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), An unsecured loan open at AFFIRM INC on XX/XX/XXXX Account number ( XXXX ), and a unsecured loan opened at AFFIRM INC on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX # ( XXXX ) XXXX # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone, unknown opened credit cards and accounts in my name and abandoned them with outstanding balances. 

I have provided the credit reporting companies with correspondence from the Creditors ( ie XXXX XXXX, XXXX XXXX, etc ) that confirms the information in their files resulted from fraudulent activity and that the information should be removed from my records. 

Experian in particular continues to report information in my records that is attributable to the fraudulent activity. In addition they report derogatory information about my legitimate credit activity. A recent report to a potential lender stated " proportion of balances to credit limits is too high on bank revolving or other revolving accounts ''. In fact my legitimate accounts are {$0.00}. 

How can I force Experian to report accurately and if they do continue to report falsely how long until the information expires?
Product: Student loan

I should be qualified for public service loan forgiveness. I sent Mohela my forms by mail and fax in XX/XX/XXXX and never heard back. I called and was asked to submit again in XX/XX/XXXX. I did so. It is now XX/XX/XXXX and they still have not process my forms. The only resolution available is to submit again and wait 4 months for there " normal '' processing time to find out whether they lost it again or not. The outcome of this process substantially impacts my financial and tax choices and I'm being held in stasis by their inadequate process.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ran my credit without authorization on XX/XX/XXXX and XXXX. They have admitted they did this in error but as far as I can determine nothing has been done to remove these authorized inquiries from my XXXX and Transunion credit reports.
Product: Bank account or service

On Friday, XX/XX/XXXX I deposited a check into my checking account. The check was issued from Chase Bank. On Wednesday, XX/XX/XXXX, I received a call from my bank informing me that Chase would be putting a hold on releasing any funds from the check for 10 days. Is it legal to wait 4 days before informing someone that you will be holding their check for 10 days? Also, it was not made clear to me whether the hold for 10 days would be in addition to the 4 days that the funds have already been witheld. I have also not been informed if this would be 10 business days or 10 concurrent days. I have no desired resolution other than if this is not legal, then I would like to request that it be investigated by the appropriate authorities.