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

My credit for XXXX  and equifax was XXXX on the excellent pinnacle where it belongs on XX/XX/2019. It dropped 10 points on XX/XX/2019 for no reason and then dropped more than 100 points with no explanation on XX/XX/2019. It appears that XXXX made the error affecting the mistakes on my credit reports. XXXX had erroneously put my account into collections while the bill was being disputed. The collection remarks should not be there at all. I took this matter to the NYS Attorney General to finally get XXXX to correct the final bill owed from {$590.00} to {$220.00}. The email from XXXX on XX/XX/2019 confirms XXXX 's mistake. The letter I addressed to both XXXX and the NYS Attorney General explain the mistakes made by XXXX. The balance of. {$220.00} was paid on XX/XX/2019 to XXXX. Please remove the remarks from both XXXX  and Equifax from XXXX. I am a XXXX veteran and I am highly stressed over these mistakes.
Product: Credit card

Hello. 

Discover sends us an exuberant amount of junk mail/solicitations via USPS. 

We reached out to Discover via email ( XXXX ) requesting they remove our address from their mailing lists. They replied, but would not remove our address. 

We dont do business with Discover, dont wish to do business with Discover, and didnt request to receive mail from discover, and yet Discover is making it difficult to remove our address from their mailing lists. Please remove. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an account without my written instructions.
Product: Credit card

I had 2 accounts at Bank of America. One was in use and one was not, but both showed up on my account web page. Once several months ago I had made my payment and accidentally clicked on the wrong box and the payment posted to the wrong account, the one with a XXXX balance and not to the account being used that had a balance due. I received an email that my payment was past due but knew I had made it. I went to the webpage, saw where the payment had posted to the wrong account, called Bank of America and explained what happened and while on the phone with them they transferred the payment to the correct account and removed the late payment fee. I asked that the old account be closed and removed from the webpage so this didn't happen again. They closed the account but did not remove it from the page and I made a payment in XXXX XXXX XXXX  and once again clicked the wrong box and the payment posted to the wrong account. I didn't realize it until I got a payment overdue email from them a few days later. So I called again, told them what happened and how it had been corrected before. I once again asked that this second account be removed from the page so this didn't happen again. The young lady I spoke with said she could not move the balance over and that I would have to make another payment to the correct account and she could not remove the late fee. She said they would mail me a check for the credit balance on the other account and I should receive it within XXXX days. During the call we were disconnected so I called back and spoke to a young man and told him what happened and he said the same thing. A check would be issued for the balance within XXXX days but I would have to make another payment to the other account. I told him I would pay the active account off IN FULL, including the late payment fee, and for them to immediately send me a check for the {$300.00} credit on the closed account. I asked that they also close the current account and take me off their mailing list as I would never do business with them again. He assured me a check would be sent and that the active account would be closed once it was paid off. The account has been paid off but 2 weeks later I still had not received my {$300.00} back. I called again and the lady I spoke with said she had no idea why I had been told what I had as they do not issue paper checks. She said she would start an inquiry and I should hear something within- AGAIN - 7 to 10 days. It is now XX/XX/XXXX and I have not heard a thing. I want my {$300.00} issued back to me. My current account has been paid in full and has a {$0.00} balance and the 2nd closed account still shows a {$300.00} credit balance.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX  : XXXX XX/XX/XXXX Re : CFPB- TransUnion Expedite Complaint : As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.412 ( b ) ( 7 ). 



I have provided my photo ID along with the other required documents. 



I kindly request that you block this information from my credit reports within 4 business days, pursuant to section 605C of The Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law which I have provided all my documentation as well as victim determination letter according to 1002.142 ( b ) ( 6 ). 



I am a XXXX XXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be BLOCK AND DELETED COMPANY TRANSUNION LLC. 

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my consumer rights. They refuse to remove an XXXX  XXXX account from my consumer report even when I have made it clear again, that the date of last activity is wrong.
Product: Checking or savings account

As explained in numerous prior CFPB complaints, remediation payment in the amount of {$3700.00} plus estimated taxes was not received, this amount was offered to me by Wells Fargo rep, XXXX XXXX in XXXX of XXXX while speaking over the phone. The payment represents compensation for unauthorized accounts opened by Wells Fargo reps which I did not need or want. Additionally, a remediation payment amount of {$500.00} plus estimated IRS taxes was not received, offered to me during a phone mediation in XXXX or XXXX of XXXX. I moved in XXXX of XXXX, as explained previously and again here, any payment sent via XXXX, XXXX, would not be received if sent by either carrier, which includes old address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Wells Fargo reps including a XXXX  have replied in the past by verifying address, mention a signature waiver which there is none, package containing check ( s ) was supposed to have signature according to a XXXX XXXX whom I was working with at the time of check issue. Please note, the check amount of {$3700.00} is a check re-issue, initial payment sent in XXXX of XXXX, was intercepted by a third party, cashed in my name. It appears person ( s ) now living at old address may have intercepted checks in question, if sent to old address, cashed them in my name. I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Most recently, I've been calling Wells Fargo executive phone bank, given various different numbers to remediation department, all of them incorrect, wrong numbers. It appears Wells Fargo reps are trained to give out false, incorrect numbers to dissuade customers from reaching correct dept. In order to obtain correct number, I had to call the company whom issues checks on behalf of Wells Fargo, request number to remediation department and have been calling over a week now with no resolution. I've spoken with several managers including a XXXX and XXXX, both requested check reissue and a new case manager assigned which was originally requested in XXXX. I have yet to hear back in regard to both requests. The last Wells Fargo rep replying to CFPB, a XXXX, referred back to previous replies which merely refer to address provided and do not address issue of non-receipt of payments. It appears Wells Fargo reps refuse to do anything, despite non-receipt, merely verify address they were provided..The CFPB might want to send this complaint to someone else other than XXXX or XXXX XXXX neither rep seems willing to address/resolve issue. Most recently, a XXXX replied by referring back to previous replies, do not address issue of non-receipt of payment
Product: Credit card

I received a " business line of credit '' card in the mail, unsolicited and addressed to me personally at my business. The document says " call now to activate ''. It is addressed from XXXX XXXX, XXXX XXXX XXXX. # XXXX XXXX AZ XXXX. 
I called to discuss and they stated this was an invitation. But it looks just like any other legitimate credit card that one would receive in the mail.
Product: Credit reporting or other personal consumer reports

I have made many attempts over the years to remove this debt. This company has violated my consumer rights. I am attaching a pre-litigation complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the  XX/XX/XXXX , I tried to repair inaccurate reporting of a closed   XXXX   XXXX    XXXX  account through  XXXX  that showed up on my Experian Report. I settled the account in  XXXX ,  XX/XX/XXXX  with  XXXX    XXXX   XXXX   XXXX  , and closed it. However, old information still appeared on Experian. I became aware of this inaccurate reporting situation when we began looking to buy a house and got our credit reports for the first time as a couple. When I called  XXXX   XXXX  Credit Card to have this remedied, asking that they update the information, it made the account look more newly closed, dating it   XX/XX/XXXX .  This only appears on my Experian report. I 'd like to have this removed. For my report to be accurate, the account was closed XX/XX/XXXX  . I b elieve it should no longer be on there. Can you help me? I 'm afraid to call back directly, as my first attempt to remedy this only made it worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus ( " XX/XX/2022 '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. " XXXX XXXX XXXX : {$200.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance XXXX {$200.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00} "
Product: Credit card

Citibank charged me two large late fees, plus interest, on a {$21.00} charge. The first late fee, imposed XX/XX/XXXX, was {$21.00}, and the second, imposed in XXXX, was {$41.00} plus {$1.00} interest, for a total of {$84.00} on a {$21.00} charge. The third was {$1.00} in additional interest, charged in XXXX. I checked, and these excessive fees seem to be against the new rule, implemented in XXXX, that CC late fees can not exceed {$8.00}. The company waived the {$41.00} fee and refused to waive the other fee, stating that the rule was stopped from implementation. I am not clear whether the government shares that view.
Product: Credit card

This account does not belong to me. Please have it removed from my credit report.
Product: Debt collection

The company has placed debt on my credit and this is not my debt. The debt showed up on my account from no other resources to show it belongs to me. This debt Is not mine. False information about the debt attached to my credit report.
Product: Credit card

Capital One closed my credit card account today and when I called to find out why they closed the account they did not give me a direct answer. The first representative told me is was because of inactivity however I have been active with the card within the same month and previous month ( XXXX ). The second rep told me it was because I breached the agreement by not paying however I have bank statements showing that I have made payments. The last rep was asked to give me a valid reason why the account was closed and all he said was " it can not be reopened ''. Capital One has closed this account for no particular reason and are refusing to reopen it. Additionally, if they were to claim that I had misused the card which " breached the agreement '', the agreement we signed has an arbitration clause. This means that if there was any dispute we should have went to private arbitration which we did not. And as such I will not be paying ANY balance due as they have breached our agreement and demand/request that this agency removes this account from my consumer reports. I will also notify consumer reporting agencies to get this information removed from my reports for breach of agreement.
Product: Checking or savings account

PNC Bank will not allow me to link my accounts with other financial institutions online.
Product: Debt collection

Collection item added to my Consumer Credit Report. Stated opened on XX/XX/2022. Vance and Huffman. This was included in a completed bankruptcy case. Vance and Huffman did not contact me prior to adding this item to my credit report prior to adding it as a collection. They are in violation.
Product: Credit reporting or other personal consumer reports

PER 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
they must give ME an opt out THEY NEVER DID XXXX XXXX XXXX XXXX Other XXXX XXXX Personal Loans {$3100.00} XXXX XXXX Other {$310.00} SELF XXXX XXXX / XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX Auto Loans {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I went to their ATM and deposited {$570.00} cash the machine only gave me credit for {$200.00}. I called wellsfargo and I was instructed that its not their problem and theyll get me my money back when they resolve the issue. I deposited cash the machine recognized it was cash and delayed my availability. Ive spent a total of 2 hours on the phone this morning because their customer service team keeps disconnecting or losing my call. I have perfect service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX BANK XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXI XXXX
Product: Credit card

On XX/XX/XXXX, I was pick-pocketed in XXXX, XXXX. My wallet with XXXX credit cards ( XXXX, Chase ), a debit card ( XXXX XXXX XXXX ), and my ID and XXXX card were all stolen. It was our last night there ; we were flying home early the next morning. Within XXXX minutes, when I realized what had happened, I locked my credit and debit cards using the Chase, XXXX and XXXX XXXX XXXX  apps on my phone, and I requested new cards. Almost immediately, within XXXX minutes after the theft, I received a text from XXXX XXXX XXXX stating they'd declined a transaction. Around the same time, I received an email from Chase, stating they had declined a transaction. We flew home on XX/XX/XXXX. I received a XXXX email from Chase on XX/XX/XXXX stating they'd declined another attempted purchase. I kept checking my online accounts, and followed up if/when I saw fraudulent activity. I called Chase on/around XX/XX/XXXX or XX/XX/XXXX because I saw a charge of {$1500.00} at an XXXX XXXX in XXXX. The Chase person I spoke with apologized when I told her I'd locked the card on XX/XX/XXXX on my mobile app and had already placed an order for a new card. I thought the matter was done. Then, 3 days ago I received a letter from Chase stating I was responsible for the fraudulent {$1500.00} charge because " You gave authorization to the user involved in this transaction. '' This is a complete lie. I called and spoke with a Chase Fraud supervisor on XX/XX/XXXX. She basically accused ME of lying and of making the purchase, even after I repeated the entire chain of events to her. She said she would " re-open '' the investigation, after spending about XXXX minutes interrogating me. Shocked and dissatisfied, the next day, on XX/XX/XXXX, I called Chase 's customer service dept. and spoke to a supervisor, again explaining the story. This person was more sympathetic, however, she told me the supervisor I spoke with on XX/XX/XXXX wrote that the case was closed BECAUSE I COULDN'T PROVE I HADN'T MADE THE PURCHASE. The implication was that I would have to provide witnesses who confirmed I WAS NOT at the store the night of XX/XX/XXXX! My husband then asked if we could speak with someone even more senior at Chase. We were then connected with Chase 's executive office. We repeated our story ( my husband was with me when the theft occurred ), and this Chase rep gave us a case number and phone number to call. We're waiting to hear from the person who's been assigned our " case, '' and am still seeking resolution. I am completely shocked by this experience ; at XXXX years of age, I've never had my credibility or honesty disputed in this way. I'd like to warn all Chase Sapphire customers to beware of what can happen if they are the victims of crime related to their Chase cards. ( By the way, XXXX XXXX XXXX and XXXX both treated my case XXXX degrees differently. )
Product: Checking or savings account

USAA is committing wrongful interference with property, and violations of consumer protection laws such as the EFTA or UCC Article 4A.

There are a number of damages this has caused : Direct Financial Losses hold caused missed payments ( e.g., mortgage, business expenses, penalties, and late fees.

Consequential Damages delay resulted in significant financial harm and credit implications Emotional Distress situation caused severe anxiety, stress, or reputational damage ; non-economic damages Punitive Damages the bank acted in bad faith or engaged in deceptive practices by leading me to believe freeze could be lifted if I withdrew dispute ( recorded call with officer of CEO rep )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX reported a delinquent account belongs to someone who dont have social security number or driver license to credit bureaus just by name and amount he or she owed. 
Equifax filed the false account under my name and it damaged my credit. 
I was about to sign a mortgage loan then was not able to do it due to decreased credit score. 
My estimated closing date is XX/XX/2021. 
XXXX and Equifax are telling me to wait at least XXXX. 
But I dont have time to wait. 
Definitely Equifax did not check the information properly and made a mistake which caused me financial and psychological damages. 
Please help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an entry on my credit report that I believe is inaccurate.

Upon reviewing my credit report, I have found that the student loan entry is inaccurate or does not accurately reflect the status of the loan, and as such, it is damaging my credit report. I am requesting that you thoroughly investigate this matter, and if you find the information to be inaccurate or unverifiable, I kindly request that you remove the entry from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

In addition to the removal request, I respectfully ask that you provide me with documentation or the results of your investigation into this matter. If the loan is confirmed to be inaccurately reported, I expect a prompt update to my credit report.

Please find attached supporting documents to assist with your investigation, including : Copy of my identification Copy of the loan documentation Any correspondence I have had with the loan servicer regarding this issue I kindly request that you provide a response within 30 days of receiving this letter, as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
Product: Credit reporting or other personal consumer reports

I have been communicating XXXX regarding my loan prior to XX/XX/XXXX XXXX XXXX, XXXX. A representative disclosed to me today that my loan account was charged off on XX/XX/XXXX due to 3 months of non payment. The representative XXXX told me that my loan has been charged off since XX/XX/XXXX because 3 months starting XXXX XXXX XX/XX/XXXX they received no payments from my employer which is inaccurate. The reporting of this account is inaccurate and violates my consumer rights to fair accurate reporting under FCRA LAW. It also goes against the Fair Credit Billing Act I have made payments consistently through financial allotments from my employer and I have questioned XXXX several times regarding the accuracy of my account balance and reporting of my account. I have tried to resolve this issue with XXXX diplomatically and yesterday XX/XX/XXXX a representative from your office has brought it to my attention that funds of over {$2700.00} were in the bank and I needed to contact XXXX to release the funds to XXXX. He texted me the number to call XXXX and they wired over the sum of {$2700.00} to XXXX XX/XX/XXXX. I was never told that my account was charged off or late during this time as well. I was told that my account was current and they did not report me as late to the credit bureaus. I was never notified in writing or via email or even verbally that my account was delinquent and now my I am being told that it has been over a year and my account was charged off in XXXX but never reported as such. Not only has XXXX been stealing my money they received a transfer from the bank yesterday XX/XX/XXXX is the sum of {$2.00}, XXXX that the bank has been collecting for the allotments. This is not being reported to me or the credit bureaus as well. I was told that my account is eligible for a refinance of {$10000.00} after 1 more payment is made yesterday when I spoke to a representative. There is clearly a communication issue with XXXX as well as unlawful conduct fraudulent practices and billing misconduct by XXXX and the staff in their office. The account has been reporting as current even after the alleged charge off date of XX/XX/XXXX. I have attached the reporting scale below.