23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Now, I rarely use my Wells Fargo account, which is comprised of two credit cards and a checking account. This incident began with an annual services charge from a third-party company in the amount of XXXX got charged to a credit card # XXXX account ( XXXX XXXX ) and went unnoticed, because I forgot about the services ( note - charges got refunded due to interaction with that 3rd party ) . I do have Wells Fargo account informational communications setup to receive email correspondence and mail for certain account activity. However I did not receive any communication either email nor mail regarding an upcoming payment due for credit card account # 1, which of course was due to it carrying a balance that month. The Wells Fargo credit card # 1 account thus attempted to auto-pay, which had been setup, but due to insufficient funds, caused an overdraft to my checking account. Wells Fargo has some kind of predatory overdraft coverage service, it's innerworkings previously unbeknownst to me up to this incident. The overdraft fee of XXXX} was charged to my credit card # 2 account ( XXXX XXXX ) and also initially went unnoticed, with again no email or mail communication sent by Wells Fargo. This overdraft charge was then subject to approximately 29.24 % interest as a cash advance. The credit card # XXXX account is also set to auto-pay and is also set to have this overdraft coverage. Had I not taken corrective action of this fee scheme, it could have caused a sort of chain reaction of overdraft charges or late fees, all at 29.24 % interest. This will not come to pass, as I am paying the XXXX fee for credit card account # XXXX from a third-party checking account. The fee is from XXXX} overdraft and XXXX interest charge from the first month. This configuration of so-called protection against overdrafts is very troubling, as is the fact that Wells Fargo forbids a third-party account from being added as a funding source to prevent overdrafts, and in addition offers no remedy to simply disable drafting the account when the balance has insufficient funds. These schemes seem intentionally predatory to cause additional fees to be incurred by unsuspecting customers who may not be sent all necessary and prudent communications about account activity from Wells Fargo nor fully informed about the function of their overdraft services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : you stated that the collection was up dated I see it was not again account number incomplete, open date does not match payment history, past due still reported that is by default and can not be reported like that enclosed are the documents you stated was correct and validated { so I request where you got the false information that you stated was validated } incomplete inaccurate reporting { fix it or remove it from my credit report making false statements to the CFPB in a violation reporting false information
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion.

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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

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. 

XXXX XXXXAcct XXXX XXXXXXXX, 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 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 was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have previously requested the credit bureaus to look into the accuracy of this account. They have not done so and they continue to report this account illegally. I asked for validation on this account for the bureaus to look into the reporting of the incorrect and questionable fields they are reporting about me. I have not received the responses in the allotted 30 days timeframe. I spoke to the bureaus inc on XX/XX/XXXX asking for specific information about this account. They have not provided me with what I requested. They give me what they want and not what's requested. There is an issue with this account and it is damaging to my credit. 1. I dont understand the payment history of this account and how the charges went from XXXX to XXXX 2. I asked for the original contract bearing my signature. 3. I asked for the payment history and last payment date made on this account. 4. I received an email from the website and email address from XXXX on XX/XX/2020, regarding what they claimed to be my debt from Bureaus Investment Group Portfolio NO 15 LLC. The email says that it is a notice from professional debt collectors in an attempt to collect a debt that I am not even aware of. I check the website and it shows that it is a XXXX XXXX XXXX XXXX!! Why do they have my information? I am afraid that my information has been compromised. Please immediately remove this account from my credit report.!
Product: Mortgage

On Wednesday, XX/XX/2015, I went to my local SunTrust Bank branch to discuss the possibility of taking out a mortgage loan to buy a house. This is the branch located at XXXX GA. I was just in my information gathering stage of my house purchasing process.

The representative I spoke with asked me for my social security number to verify my identity as I bank with them too. I explicitly told her that I do DO NOT want my credit pulled. When I'm ready to purchase a mortgage loan, I'll have my credit pulled then. However, to avoid hurting my credit scores, I XXXX checked with her that my credit would not be pulled. Rather, I was just seeking advice and information only without a credit pull. She assured me that it would not be pulled. Towards the end of our conversation, she said she'd pass my information to her loan officer and he'd be in contact with me.

Towards the end of the night, I get an email from XXXX stating that my credit had been pulled that night. All XXXX of my bureau's had been pulled by SunTrust Bank that night. The next day, I called back to the branch and spoke with the same rep. She stated that she never pulled my credit and the loan officer must have. I expressed my disapproval  as I explicitly stated that I did not want my credit pulled. She apologized and stated that she could and would easily remove the inquiry off of my credit bureaus. The SunTrust loan officer gave me a call later that day stating that he was never told to not pull my credit. I stated that I never gave any authorization to do so. He did not have much to say about the topic.

I want to emphasize that I never gave authorization, verbally or written, to have my credit pulled by SunTrust Bank or anyone else. I would like the credit inquiries on all XXXX of my bureaus removed. Thank you.
Product: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XX/XX/2023 I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD CaliforniaXX/XX/2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX this year i will be graduating XXXX XXXX  so I decided to pull my credit. I have credit inquiries form Capital one XX/XX/XXXX and XX/XX/XXXX and I don't even have a state identification as of yet. I did not authorized this and I would like this removed because i dont want to start my journey into adulthood this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is reporting a bankruptcy on my report and the reporting requirements do not comply with 611 and the info must be deleted immediately.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am disputing inaccuracies and unauthorized inquiries on my credit report, which I believe violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am challenging the following : Inaccurate Personal Information : My name is incorrectly listed as " XXXX XXXX '' or " XXXX XXXX XXXX '' instead of my full legal name, XXXX XXXX XXXX. 
My date of birth is incorrectly reported as XXXX, but the correct date is XX/XX/XXXX. 
Unauthorized Inquiries : There are hard inquiries on my credit report from XXXX XXXX XXXX and XXXX XXXX dated XX/XX/XXXX, which I did not authorize. 
I am requesting that these discrepancies be corrected immediately. According to 15 U.S.C. 1681i ( FCRA Section 611 ), I am entitled to a proper investigation and resolution of disputes regarding inaccuracies in my credit report. I also expect that any incorrect personal information or unauthorized inquiries be removed as they are in violation of my rights. 

The Metro 2 standards for reporting require accurate and truthful information to be provided, and any failure to comply with these standards, including the use of standardized, non-specific responses to disputes, is a direct violation of my rights under 15 U.S.C. 1681i. The letter I submitted outlines my concerns, and I expect these issues to be resolved in full compliance with the law.

Furthermore, I have explicitly stated that if the inquiries were not authorized, I expect them to be removed from my credit report. 15 U.S.C. 1681b ( FCRA Section 604 ) mandates that a permissible purpose must be demonstrated for any inquiry to be valid, and since these inquiries were not authorized by me, they should be promptly deleted.

If these issues are not addressed, I will seek legal action, as failure to resolve these disputes in compliance with the FCRA would be a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my first dispute on XX/XX/XXXX and never received a response or any contact in regards to that dispute which involved The credit bureaus reporting unknown, inaccurate, and unauthorized accounts on my credit report. I have no idea if an investigation was started or not so I submitted another dispute for a reinvestigation and still have not gotten a response or any contact in regards to my second dispute on XX/XX/XXXX. The credit bureaus are in violation with the FCRA and HIPPA laws. I am a victim of identity theft and they have caused me tremendous stress due to the fact that their letting unauthorized accounts that are fraudulent report to my credit report. I will bring this matter to the attention of the better business bureau and the office of attorney general of Ga. Ive been affect by the XXXX Equifax XXXX and XXXX XXXX XXXX XXXX breach. I also had my identity stolen by someone that used it to get unemployment benefits in my name last year. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate the accounts. I do not validate the accounts. Therefore, the accounts must be deleted from my report. I will also seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

since i found out that I have quite a few fraudulent accounts on my credit report ( under different names and addresses ) i been trying to remove them from my credit report. all these accounts aren't mine, they were open under different names and addresses between XXXX to XXXX. Account name XXXX Account number XXXX XX/XX/XXXX Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX CARD  Account number XXXX Date opened XX/XX/XXXX Show more Account name XXXX  XXXX  XXXX  Account number XXXX  XX/XX/XXXX XXXX XXXX XXXX every time i called the XXXX, Equifax and XXXX  credit bureaus, they tell me something different non sense. please help me to sort this out.
Product: Money transfer, virtual currency, or money service

coinbase account was shut down due to unauthorized activity on XX/XX/24, it is now XXXX and i only get automated responses saying that someone will get back to me in 4-5 days.
Product: Debt collection

I've been trying to get my credit score fixed, and all of a sudden this collection company added 4 collections to my credit report like if I owe them money, I have never heard about them or a debt related to them, I was never notified and I've definitely never heard about them.
Product: Money transfer, virtual currency, or money service

I went to purchase an item in the screen shot below, I was asked to sign out of PayPal to make purchase as a guest. paid then was re-routed to a PayPal charity instead of getting a receipt, this name showed up, I saw my bank statement had removed the amount but under a different name altogether. despite still having it listed as a shop transaction it was coming up as a donation to PayPal. they refused to take action, stating that their policy did not cover the item transaction despite it being listed as a transaction having proof, filing a complaint several times and being unable to process a claim with PayPal because it was being listed as a donation. I called my bank and they said that they won't help or can't help and PayPal keeps closing my claims and has no actual resolution available for me. this has been going on since XXXX, I contacted them right away and initially they were going to take action but it had not posted yet, and was still pending. I can't get anyone on the phone together.
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 lawI am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, TX XXXX There are 2 Hard Inquiries on my XXXX credit report that I did not sign for, or authorize. I did not apply for credit with this company. The inquiry date are as follows : XX/XX/2018 XX/XX/2018
Product: Credit reporting or other personal consumer reports

I would like to request removal of fraudulent inquiries from my credit report. According to Section 605B of the FCRA, a consumer reporting agency must block the reporting of any information on file of a consumer that the consumer identifies as resulting from identity theft within four business days.
Product: Credit card or prepaid card

During XX/XX/2019, I researched the market for an interest-free credit for a specified time for those creditors with excellent XXXX   scores. Since my income exceeds {$110000.00} and my XXXX is around XXXX, I was surprised to receive a Discovery card with a {$1000.00} limit. Believing they made a mistake, I immediately contacted them and was informed I could reapply in three months for better terms. No explanation was given to the low limit. 
Outcome : canceled card via representative. 

It is clearing credit card discrimination based solely on my zipcode XXXX. Today, I am reaching out to XXXX XXXX ( Banking Committee ) and all state and federal agencies to report this card discrimination.
Product: Debt or credit management

according to the Zenith Financial group advertisements on the radio ( XXXX community ), I decided to go to Zenith XXXX to fix my credit, on XX/XX/year> personally visit this company and talked to the management there, XXXX XXXX, ( who always speaks in on XXXX radios ) and sing the contract, I was supposed to pay the company {$400.00} a month and they will start repairing my credit. After 6 months, there was no change in my credit. They didn't even show me a letter that said anything in My credit has changed. After 6 months we tried ( my husband and I ) contact them several times over the phone for ask them any documents to show that my credit has repaid or changed but unfortunately they did not show me anything until we went to the company 's office with my husband We talked again with the manager there, XXXX XXXX, and it was agreed that if we could personally talk to one or two companies that we had talked to before, it would help the company to repair my credit as soon as possible, and he promised us to give us results at least one document or any result next 3-4 weeks. 
Unfortunately after a month, there would be no show me any documents to change in my credit. It didn't work for me and I sent an email to the company to asking them to please stop fixing my credit because I haven't seen any results after 6 months Unfortunately today I found out that this company has given me to collection I am victim on that company they knows I had bad situation bad XXXX this company give me hardship and stress They lied to me just get {$400.00} each months for nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, 2019-requested complete account history including payment history-received incomplete history from PRA. 
XX/XX/2019 -submitted another request stating documents received were not complete history and didn't include payment history. 
XX/XX/XXXX, XXXX- sent letter stating PRA did not complete my request within 30 days and account must be removed from credit report. 
XXXX XXXX- account was removed from my credit report as requested. 
XXXX XXXX-account was relisted on my credit report with no notification from PRA. 
XX/XX/2019 - sent demand letter to PRA stating they violated FCRA by not completing my initial, multiple requests within 30 days as well as violating due to putting account back on my credit report without notifying me. 
XX/XX/XXXX, XXXX-emailed PRA copies of previous requests mailed demanding account be removed from credit report. 
XX/XX/XXXX, XXXX-received notice from PRA that since I didn't respond to their " request for further information '' the investigation is closed - never received any such request via mail or email. 
This company is in clear violation of multiple FCRA laws and this account should be removed from my credit report immediately.