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

Last week I received a letter from Chase that they will be closing my Credit Card on XXXX XXXX XXXX because " we are no longer offering personal and business credit card accounts to current or former non-US officials, their immediate families or close associates ''. 
This is a new credit card that I have used for less than 2 months and that I want to keep open. 
I consider this as a violation of the Federal Equal Credit Opportunity Act. 
I made them a call to the number they provided for additional questions but they were not able to provide information at that number. They referred me to a bureau to which I am sending a letter to request keeping my credit card open. I am providing both letters From-Chase and To-Chase as attachments to this complaint. 
Regards, XXXX XXXX XXXX
Product: Credit card

Wells Fargo is stating that someone closed my account on XX/XX/2010. I have spoken to every member of the wells fargo bank and they do n't have any record who closed the account. I am in good standing with them and this closed account is affecting my credit report. 
WELLS FARGO CARD SERVICE XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX
Product: Credit reporting or other personal consumer reports

BARCLAYS please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX should be removed from my credit report IMMEDIATELY. You are trying to collect a debt which is over the statute of limitations in the state of Texas. You are also furnishing information to only XXXX which is also a violation. The balance being reported does not match any of the documentation I have for this account. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable. Not only is this account closed, but you are also reporting a balance trying to collect when it says that this account was sold. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned account from my credit report.
Product: Credit card or prepaid card

Last month I had sent in an application for a wells fargo credit card. I was denied and received a letter with the reasoning " too many recently opened accounts '' with a credit score. I called Wells Fargo to discuss the situation and all the told me and would discuss is what the paper said. and told me to talk to XXXX. I have since recently requested from XXXX a Credit Report and spent over 30 minutes on the phone and could not get someone to answer. A credit report was requested and is supposed to arrive in 4 to 6 business days. I am XXXX years old and have never missed a payment and have a credit score of XXXX according to XXXX. I have no negative marks on my report ( to my knowledge ) and am in good standing at every financial institution I am associated with. I feel there has been a mistake made.
Product: Credit reporting

Equifax is requesting an additional 60 days to the Consumer Financial Protection ( US ) as of XXXX/XXXX/2016. Equifax mentioned this is what XXXX XXXX , XXXX is reporting however XXXX, XXXX can not provide me signed documentation or proof I owe this debt. It 's my belief Equifax is violating the " Deceptive Trade Practices Act ''. Equifax should report information correctly or remove it within 30 days as they advertise. Asking for a 60 day extension with the Consumer Financial Protection is unacceptable and deceptive in my belief of how they conduct investigations. After my original dispute it should not be reported unless the company had accurate documented backup.
Product: Debt collection

I lived in XXXX XXXX because it was required of me when I accepted the job as a manager. I never signed or was bound by a lease. I lived in the apartment for the time I worked for the apartments and when I was no longer working as manager I moved out of the apartment. There is absolutely no reason this erroneous debt should be reporting on my credit file!
Product: Bank account or service

I had a XXXX money order stolen from the mailbox in 2014. It was deposited in and cashed at TD Bank. I have been trying for almost 2 years to get my money back from the bank. XXXX has sent TD Bank several letters with proof that it was stolen but the bank has been ignoring the letters. I have contacted the bank and they refuse to give me the money back. I am inclosing all of the correspondence between myself, XXXX and the bank.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00}
Product: Payday loan, title loan, personal loan, or advance loan

The account was paid and still bad information still appearing in the credit reports companys XXXX, XXXX and XXXX. Account was paid in a agreement with First Bank PR.
Product: Checking or savings account

In the past, I was told that overdraft fees would be waived if I was unemployed due to COVID-19, which I currently still am. I received several {$38.00} overdraft fees on my primary checking account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ), XX/XX/XXXX and XX/XX/XXXX. I also received one {$28.00} fee on XX/XX/XXXX. After asking that these be waived, as was previously the case, the agent stated that COVID-19 related refunds were no longer being honoured but I did not realise this, and one of the above overdrafts were refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a debt collection listed on my Trans Union credit reporting from a company named XXXX XXXX company with an original creditor named XXXX XXXX. This debt does not belong to me. This debt has never been verified by me. I have no knowlege of this account until reviewing credit report. I submitted an online dispute XX/XX/XXXX and recieved a response immediately XX/XX/XXXX stating that it is accurate. Transunion did not take proper steps to fully investigate. As I was reading the report I noticed inaccuracies listed. There is a past due amount, there is an open date of XX/XX/XXXX but states a last payment was in XX/XX/XXXX, and the status is showing OPEN. These innacuracies are not in compliance with the FCRA. Also collection agencies are suppose to notify me before adding a debt to my credit report and I was never notified by phone or letter of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

NY Higher Education Corporation keep putting information on XXXX, XXXX and XXXX   stating I have accounts in collection. I have even gotten letters and called them and they confirmed I have no debt with them. Now they have reported to all three credit bureaus I have collection accounts and I have not communicated with them since the last letter received months ago.

This is causing my credit score to drop and shows damaging information on collections I do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that is not mine it is Identity theft I have been writing disputes to all the bureaus regarding this they are not even working or looking at this. It is getting frustrating I opened an ftc for this it causes me great XXXX everyday looking at this on my credit. 

XXXX XXXX XXXX XXXX Acct # XXXX XXXX {$75000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The unauthorized inquiries which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any information listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

Citifinacial received a default judgment against me in XXXX XXXX. In XXXX XXXX I settled the charged off account with Citifinancial. Since XXXX I have attempted to work Citifinancial and XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, SC office to get a Satisfaction of Judgment submitted to XXXX County Clerk of Court. Attached is a copy of the settlement offer and also a copy of the letter I received from Citifinancial showing the charged off account was satisfied. They refuse to submit the satisfaction of judgment information and this continues to negatively affect my credit standing and causes me to incur higher interest rates and fees or being outright denied credit. 

I am also submitting a complaint to the Consumer Financial Protection Bureau, XXXX, as well as seeking legal representation for damages caused by Citifinancials ' inaction. 

Judgment number with XXXX County : XXXX Account Number with Citifinancial as shown on credit report : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling Transunion & XXXX  regarding the multiple unauthorized inquiries on my credit reports due to identity theft but they refuse to investigate. I was told I need to contact each company and dispute with them & have them to forward a letter to them for removal. I have provided my theft report also have fraud alerts on all of my credit bureaus. Also I have advised them they are still allowing unauthorized inquiries on my credit reports. I am demanding this information removed asap this is damaging to my credit. This is fraud, I have included a list of the fraudulent accounts to be removed
Product: Mortgage

I've been trying to get a clear understanding of why I was charged an XXXX FEE TO APPRAISER - {$170.00} by my lender ( NewRez ) since prior to closing the property. In brief, I transferred the appraisal from my previous lender XXXX XXXX XXXX. However, I was charged both an " Appraisal Transfer Fee ( {$25.00} ) '' and an " XXXX Fee to Appraiser ( {$170.00} ) ''. This property was not appraised with this lender ; meaning, there was no appraiser with this lender and the {$170.00} fee on the XXXX XXXX doesnt make sense. I asked this question before closing and I am not convinced it should have been charged. 
XXXX FEE TO APPRAISER to BROKER FBO APPRAISER B - {$170.00} APPRAISAL TRANSFER REVIEW to LENDER - {$25.00} It's frustrating that NewRez can not answer questions on a loan they closed. So far, I've spoken to XXXX ( the broker ), XXXX mortgage closing team, their servicing team and the concierge team on this issue without a resolve ( and responsiveness ).
Product: Debt collection

I am a XXXX at a non profit company. I have been receiving calls from Wakefield & Associates ( Phone Number XXXX ) for 3 or more weeks now. When I answer the phone there is no one on the other end. I have called back the number and they say they are looking for a person by the name of XXXX XXXX. I told them we do not have an employee by that name and to stop calling. They said that they would take care of it, but the calls continued. I called them back and told them that by doing this that it was harrassment and that I wanted the calls stopped, again they said they would take care of it. Here we are a week later and the calls continue. I called them today and spoke with XXXX XXXX and I told him that I was going to submit a complaint to the CFPB and he said he would have it stopped. I hope so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes about inaccurate accounts on my Equifax report. There are three accounts that have been removed and replaced on my credit report without my knowledge or consent. The two accounts are   XXXX   XXXX  ,  XXXX  &   XXXX   XXXX  . I have proof showing that these accounts have been removed but upon checking my report, shows that both accounts have been added again.
Product: Credit card

Avants reply is not truthful!! I NEVER entered into a modification payment plan. I want my account reopened because of their DECEPTIVE TACTICS AGAINST ME!!!! 


My Avant credit card was 60 days late due to a my medical issue. On XX/XX/2023 I finally was able to catch up and could only make a {$50.00} payment on a payment plan online. I did so. Then on XX/XX/2023 I made a {$300.00} payment. My Avant card was then all caught up and all done on line. My account, as of XX/XX/2023, was locked and I called Customer Service and was told that my account would come off hold in a day or so. On XX/XX/2023 I received a credit alert. Looking at my reports, Avant closed my account. In calling them that same day, and spending over 1 hour on the phone, and speaking with a Customer Service Rep and a Payments Dept Rep, I was told it was closed due to a Payment Plan. That an email was sent to me XX/XX/2023!! I assured the reps that NO WHERE, on their website did it state my account would be closed. And now my credit report reflects the account closed. In speaking further with the Payment Rep, she too stated my account was closed due the payment plan. She then went on to say I CALLED IN to make this payment plan! I only have a cell phone and can prove I never made any such call!!
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights. 
15USC 1681 section 602 states i have the right to privacy.

15USC 1681 section 604A 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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. I keep my own accounting records for payments, and the one you have does not line up with what I have. Moreover, I contacted the furnishers and they agreed to REPAIR the accounts in my file. Please fix the accounts : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I signed up for this secured credit card with high hopes of creating positive credit lines. I have experienced the total opposite. Despite my efforts i am shocked to have experienced such unprofessional and bad service from a company. Beginning on XX/XX/2017 i spoke with XXXX XXXX agents on several occasions in regard to ongoing issues affecting my accounts. Issues ranging from miss-sent and delayed arrival of cards, no pin numbers sent during activation process, updated address not being correctly recorded and having to reorder replacement cards. Due to these and several other errors ; the cards were never used. I received billing statements shortly after requesting payments on both accounts with late fees attached ( for cards i did not have in my possession ). After speaking with XXXX, XXXX, XXXX, XXXX and numerous others ; i was assured that the late fees were a result of a " glitch '' in the system, and that the late fees would be reversed and removed to due to company error. After several months of ongoing waste of time and misleading information i was forced to close both accounts. During this process XXXX XXXX also reported fraudulent remarks to the credit agencies on each of these accounts. I have attempted to have his information corrected and been lied to by management and customer service agents. After months of waiting for refunds to be expedited by fax request ( XXXX ) and via certified mail ; i contacted XXXX XXXX to inquire about the delay in processing my request. I spoke with an agent who made excuses as to why i could not speak to a supervisor ( happens often ). I was placed on several holds that lasted a minimum combined total of 30+ minutes while the supervisor avoided me. After XXXX finally received my call i inquired about {$37.00} being deducted from one of  my refunds. In previous conversations i was informed that i was entitled to and would receive a full refund due to having never been able to utilize either card. Upon my conversation with XXXX ( XXXX  ) claims that a purchase was made for {$8.00} in XXXX and is the reason the money was deducted. At no other time was this " {$8.00} charge '' ever mentioned in any of our previous conversations and i informed him that the charge does not belong me to me. I never utilized either card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

Comenity bank WAYFAIR has been charging me late fees after late fees even though they have always had my card on file for automatic debit payments. I have called multiple times and have stated the same thing that they have always had my card on file for automatic debits which they where doing and then they stopped and thats when they started charging late fees, a scam to get more money. The Company has been nothing but rude and everytime I call they say I will not get charged but before I know it I have another bill in my mailbox.
Product: Credit reporting or other personal consumer reports

someone stole my personal information i was victim of identity theft internalrevenue code XXXX XXXX XXXX
Product: Consumer Loan

I obtained a loan through avant XXXX in XXXX 2015, in XXXX i refinanced the loan due to the extremely high interest rate of 59 %, XXXX paid the loan in full and i received confirmation from avant that they recd cks and that the loan was paid off. In the early part of XXXX of 2015, i started receiving harrassing emails and calls regarding an unpaid balance there of XXXX, i emailed them copies of the cleared checks in addition to my loan note copy stating the loan was paid in full. Avant 's compliance dept was handling the inquiry and that they were looking into it.. I received an email from them yesterday that stated they had found the problem, apparently do to an internal processing error my loan was removed from the paid in full list, the debited my account today for XXXX by a remote control check and after numerous calls to them today they stated that i would have to wait for my money until " the ck cleared ''. The debited my account for bill and grocery money that i needed to take care of my family. I offered to call bank on XXXX so that they could get confirmation that the money was debited.. '' That is not their policy they stated and avant complaince could not be reached by way of phone calls only emails. Please address this concern before anyone else has to go through this headache with a company that is supposed to help consumers not cause them duress..
Product: Credit card

I had a service done at XXXX, at the time the promotion was XXXX % off of XXXX. The way you create an account with them is by credit check and you have a limit amount you can use with the store. I was approved, and the way it was explained to me is as far as you do not make late payments you will not have any additional fees. 
I have made every monthly payment since XX/XX/2015, started at {$3600.00}. My XX/XX/XXXX statement was {$980.00}. Each payment has to be schedule because they do to allow an automatic payment, so it is easy to forget, either way I normally set 2 months in advance, because it will not let you set more than about 50 days of payments. The day the payment is received I get an email confirmation and the new balance, so I rarely go look at my statements. On XX/XX/XXXX I go to my account to set up a payment for the XX/XX/XXXX which is due XX/XX/XXXX and the balance is {$2100.00}. I look at the charges and it shows that I had an interest charge of {$1200.00} on my account XX/XX/XXXX which is in between statements. I immediately call their customer service and what I am told is that I had 4 days to dispute the claim. I was not aware of the charges ( I do not have a reason to go on the website if I set up payments for 2 months in a row, ) or of the end date of the " promotion '', or else I would have aid the account in full. I offered to pay my previous balance in full before the interest charges and they gave me no answer to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX