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

To Whom It May Concern : I am writing this letter in regard to incident theft which was discovered by me on XX/XX/2019. I have been banking and had safe-deposit-box with WELLS FARGO branch in XXXX, CA ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ). I have been saving most important and valuable objects at this branch SAFE-DEPOSIT-BOX, thinking that there is no other place that my staff can be kept safer, but it turned out that is not quite true. My box was drilled in XX/XX/2019, I was told that it was a human mistake instead of drilling another customers box they drilled mine and took all my belongings. I was in a shock ; I was frustrated but the branch supervisor insured me that I will get all my belongings in the good condition. But unfortunately, I had not only got damaged items but also missing items. I was told that in order to process the claim I need to submit several documents : affidavit, police report, proof ownership, appraisal of the damaged items. I had provided all the possible documents they asked me and after several months of the investigation, which should have taken 30 days by the way, they informed me that the claim will be denied unless I claim to my insurance. I have been cooperating with the branch manager, as well district manager to resolve the issue. Once I discovered, I was approached by the branch manager ; therefore, was assured that they will investigate their fault, and resolve the matter. Since then I have been battling with them, trying to understand the delay, and their lack of professionalism. I would never think that WELLS FARGO BANK being very reputable, and known bank would make such a mistake, and make things more complicated, they dont even care that they had violated my privacy, because they want to escape the responsibility they are asking me for more documents which I have never been told. 

I am just asking for your help, to look into my matter with much more thought. Please investigate thoroughly and help me to end the nightmare which I have been dealing with for about 6 months. 

I would like to thank you for your valuable time and am hoping that your investigation will finalize my matter in a timely manner. 

Please find all the attached documents presented to WELLS FARGO BANK, thus if you need more details in regard to the process, please dont hesitate to contact me. 


Sincerely Yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate 30-day late payment reporting on my XXXX account. I have never been 30 days late on this account, and I request an immediate investigation and correction of this error. 

Additionally, I would like to request a grace period or non-penalty consideration under federal consumer protection laws, as I have been out of work due to a XXXX. Under the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), creditors and credit bureaus must ensure fair and accurate reporting and consider extenuating circumstances that may impact a consumers ability to make timely payments. Given my situation, I request that any negative reporting associated with my account be removed in consideration of these protections.

I have included documents to substantiate my claim. Please update my credit report accordingly and provide me with written confirmation once this correction has been made.

Thank you for your prompt attention to this matter. I appreciate your consideration and look forward to a resolution.
Product: Checking or savings account

I opened a XXXX  XXXX  checking account with US Bank with an opening deposit of $ XXXX during XX/XX/year>. It has a promotion of {$800.00} after 60 days. There is no way one can reach out and talk or chat to a real human being. Called the toll free number- they have the XXXX- which think that even if i blink my eyes or breathe- it's an input. Why not human beings? Why go so cheap? 

Later I got somebody to chat - who is really super super slow - good for nothing. 

I need to know when i am going to get {$800.00} cash back bonus? 
Based on my chat with Asar on XXXX XX/XX/year>- i need to keep $ XXXX as balance to avoid any penalties or fees- please confirm. 

Please make it easy for customers. 

No need to outsource and hire cheap XXXX XXXX  workers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening, My query is with Equifax Credit Reporting Agency. I feel my file have not being handle according to FCRA. I am victim of identity theft, in which I have presented Equifax with police report, FTC identity report, theft affidavit etc.I was told by Equifax fraud department accounts would be blocked after filing identity theft report. However, several years have past, accounts have re-appeared on my file.Consumer Reporting Agencies bear grave responsibilities to ensure accuracy of the accounts they report on their files, responsibilities must consist of something more than merely parroting information received from other sources. Both Equifax and Creditors are well aware of my incident pertaining to identity theft. " Re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ) .Equifax have ignored my request to provide me with the documents that they have in there files that were used to verify the fraudulent accounts, which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to PROMPTLY DELETE all information which can not be verified. Equifax also failed to notify me 5 days prior to reinsertion of the following accounts as per FCRA. I Did open these accounts, I have provided Equifax with my documents. I have not receive any proof that the alleged accounts listed in this complaint are in fact belongs to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized furnishing or inquiry regarding my credit information. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, consumer reporting agencies are permitted to furnish a consumers credit report only under specific circumstances and with explicit authorization. 

I did not provide written consent for XXXX XXXX XXXX to access or furnish my credit report. Furthermore, I have reviewed my records and found no legitimate reason under the provisions of 15 U.S.C. 1681b ( a ) for this action to have been taken. This appears to be a direct violation of the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Please remove the fraud alert from my credit reports thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : - XXXX XXXX XXXX - 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 also states consumer reporting agency can not furnish an account with my written concern.

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, credit repair services, or other personal consumer reports

In XXXX of this year, Equifax experienced a data breach affecting almost all adults in the US. This data breach was due to criminally negligent data security architecture. In addition to the almost certain exposure of my name, ssn, address, phone, and other PII they did not announce the breach for almost 6 weeeks. Congress needs to do something to protect all US citizens from the inflated risk of identity theft  as there is now no way to be 100 % certain who a given creditor evaluating - you or an identity thief.
Product: Checking or savings account

on XX/XX/2015 I deposited a check in my account and my account was closed after that. 
the funds were put into suspension. I have no access to my account. I want the check to be returned to the issuer of the check.
Product: Credit card

I have contacted capital one several times and have gotten absolutely nowhere. Someone applied for an account in my name XXXX XXXX, 2016. On this date, I was contacted by capital one asking did I apply for an account I let them know I did not. They verified the last XXXX of my social as well as my name and date of birth. After I spoke with them I placed a fraud alert on my credit report. On XXXX XXXX, 2016 someone tried to applied for a capital one card in my name again ... this time I was never contacted even with the fraud alert on my account. I was told by XXXX my dispute was declined and I would have to contact the credit companies and get something in writing from them. For the past two days ( XXXX ), I have talked to at least XXXX reps from multiple departments in which some have been sympathetic and understanding while others have insulted my intelligence by asking XXXX questions like " Are you sure you have n't applied for a capital one account? '' As well as stating they will be transferring me to a " correspondent '' and instead staying on the line and just changing their voice. I have lost count of how many times I have provided my personal information and have been told they can not find any applications that were placed. My social is associated with m credit report ... so how is that possible? All I would like is for the hard inquiry to be taken off of my account. It amazes me how someone can so easily steal information and apply for credit cards but to correct the issue, the VICTIM is taken through XXXX and back. I just want a solution and to NEVER be associated with capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2020 my account through Great American Finance was paid in full. However, Great American Finance continues to send bills to my home with a balance of {$100.00}. I called and spoke with a representative and he confirmed that my account was paid in full and to disregard the first bill ( after the pay off ) that I received in the mail. Although this conversation took place, I was still reported three times to the credit bureau as delinquent from this company. I have spoken with two other representatives, one being a supervisor to try to remedy this situation, yet nothing is changing. It has negatively impacted my credit score. Obviously Great American Finance is aware that my account has been paid in full since XXXX, however the company continues to to commit fraud by reporting me as delinquent.
Product: Checking or savings account

On XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 my checking account was charged several time from the companies XXXX XXXX in XXXXXXXX XXXX and XXXX XXXX XXXX XXXXcommerce in Texas. The amounts charged to my account totaled {$1700.00}. I contacted my bank ( Chase Morgan Bank ) on XX/XX/2023 to report a fraudulent claim. It was investigated and denied. The reason for it being denied was originally determined confidential and I could not be told over the phone. I called again and asked for the reason to see if another person might explain it to me. They stated that they had sent out fraud alerts to both my email and via text message regarding the amounts charged to my card from these companies, and that I had authorized them. This is untrue, I have no emails or text messages from chase regarding these charges, nor did I authorize them. I explained that this was incorrect and the investigation needed to be redone. They stated the only way they could reopen the investigation was if I sent in further proof. I wrote them a letter and sent all texts and emails I have received from Chase Bank, none of which alerted me to these fraudulent charges. I have yet receive any more information on my investigation or receive any money back from the bank.
Product: Credit reporting or other personal consumer reports

This is my 2nd complaint asking Flex to update my XXXX credit report information because Ive made payments all this year ( XXXX ) but my XXXX credit report only shows one payment for this year XXXX and thats XX/XX/XXXX XXXX Flex is not going to update or report all my payments, Im asking that they refund me the monthly service fee of {$14.00} for each month they have not reported/updated/reports/update my XXXX credit information which would totally {$100.00} for each month that has not been reported ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Made a dispute with Transunion on XX/XX/XXXX which was received by certified mail # XXXX that was received on XX/XX/XXXX per the certified mail receipt. Addtiionally, I sent the same dispute on XX/XX/XXXX that was received XX/XX/XXXX certified mail # XXXX per the certified mail receipt received. The dispute letter sent both times is listed below : XX/XX/XXXX TransUnion TransUnion Consumer Relations XXXX XXXX   XXXX XXXX, PA XXXX XXXX : Disputing Credit Report I recently received my credit report from your company and located the following incorrect information. This credit report does not accurately reflect my true payment or credit history and is therefore extremely injurious to me. 

I request for any and all documentation associated to verify my account including my signature. If you fail to produce any documentation I ask for this information be deleted from my credit report. My disputes are as follows : XXXX XXXX XXXX  # XXXX This account is not mines XXXX XXXX XXXX   # XXXX This account is not mines XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX This account is not mines Please send the names and addresses of the persons contacted to verify this information. If this is not resolved with in 30 days a have the right to small claims litigation as I can legally seek {$1000.00} for each violation : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Signature and SSN redacted for privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, the Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting inaccurately on my report : XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX : {$810.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian seems to have different responses everytime before that they stated they needed the data furnishers information and now they are stating they refuse to add the cporrect information on case ID XXXX? This is the 4th complaint against Experian and every response from Experian has been documented on my side, the initial complaint was based on my credit score dropping 20 pts, me being removed from Experians special status customer service for consumers who have attorneys write to Experian and why an authorized account was not being recognized by Experian. As I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in XXXX XXXX. Experian requested that I consultant with a credit expert and or banker to have them explain my credit drop of 20pts, in which I consulted with my peers in XXXX, they were as confused to see that my credit score had dropped 20pts for no apparent reasons, the responses from Experian have been shall we say, deceptive to the point of ignoring the request for an explanation of the credit score drop. I would like to have Experian explain why I am on a special status list for consumers? It requires time and different agents to speak too about my credit profile with Experian. Again, I am I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in XXXX XXXX, and I will use the full extent of my legal rights to protect and get my credit profile fixed according to The Fair Credit Reporting act. On complaint XXXX Experian has stated erroneous and false statements and it seems who has responded is not versed in credit laws or credit rights, My attorney provided Experian with recent XXXX information pertaining to this authorized user account, while Experian is using old outdated account information from XXXX, which again they are ignoring information from the data furnisher XXXX from XXXX, they have requested this information on complaint XXXX and they will review it. My attorney provided this information on the 1 st legal letter that was sent to Experian, I have provided this information on complaint XXXX and XXXX from the data furnisher XXXX that they report to the 3 major credit bureaus, perhaps Experian would like to explain their actions under a legal court hearing? As I have stated before I am I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in XXXX XXXX. Attached again for the 4 th time is the data furnisher XXXX that they report to the 3 major credit bureaus, all responses on my credit profile are again being documented and will be researched according to The Fair Credit Reporting act. Thank you XXXX XXXX XXXX Correspondence Mail : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX, Az XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter with proof from the courts that they do not report to the credit bureaus but they are still saying they are verifying my information. I have provided a letter attached as well as the letter from the courts
Product: Student loan

In XXXX, my loan was in forbearance. When filing my XXXX taxes, IRS took them for loan repayment. When contacted they said I had missed payments. They sold my loan to someone else. Contacted the new company and was out on an idr plan, I had an income of XXXX and still managed to pay the idr they wanted. COVID hit, told to stop paying. Claimed no payments made. Interest went through the roof. Credit score tanked, wrong payments were documented, wrong loan amounts, wrong missed payments, tried to rectify only to have the 1st company remain claiming 365 missed payments on credit report, 2nd company sold loan to my new company and took the good payment history with them, making my already low credit score tank again by XXXX pts along with the only length of time in credit I had due to this mess. I can't get loans, can't rent an apartment, can't get a car, have been turned down for employment and various other disturbing life needed situations. 
XXXX forbearance just disappeared tuned into late payments. Loans were sold to the 2nd company XXXX 2nd loan company never used the idr money sent towards any of the loans Wrongfully reported missed payments to credit bureau during COVID , accrued approx {$10000.00} in interest during COVID, did not report any payments made throughout XXXX. Sold loan to 3rd company after loan had been in good standing for 7 months. 
XXXX loan taken over by new company. Forbearance letter has been received. 
Fought with the credit bureau for years about this, sent letters to credit bureau and loan providers with no major change in reporting.
Product: Credit card or prepaid card

I have been making payments on my credit card. When I would be charged a returned check fee more then three times. I would call my bank and the credit card company at the same time was told by my bank that there was no returned payments. Citibank would still not waive the the fee I continued to make payment but it accured again. So I closed the credit card.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I obtained a credit card through XXXX XXXX XXXX XXXX. I have always made my payments on time. In XX/XX/XXXX, I requested to be put on a payment plan and to close the account. The account was then placed on a payment plan and I was sent a letter with the new contract agreement. Per the contract, the monthly payment would be a set amount of {$47.00} starting XX/XX/XXXX. Per the contract, no interest or late fees would be applied. Per the contract, I would need to make to payments of {$47.00} in XX/XX/XXXX on XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I made a payment of XXXX to cover both payments, however that payment I cancelled via my bank as well as called XXXX to cancel that payments to stick to the agreement. Although, I cancelled the payment, XXXX continued to collect that payment amount several times which depleted my amounts that I had in my account at that time to cover the XXXX {$47.00} payments. In short, On XX/XX/XXXX, and on XX/XX/XXXX a payment of XXXX were made by myself and was collected by XXXX per the agreement. On XX/XX/XXXX, another payment of XXXX was made per the agreement. In short, XXXX continues to show an additional amount of {$27.00} on my account plus the {$47.00} which shows me owing more than the agreement amount. XXXX has been promising to correct this amount and refund my account and correct the late data since XX/XX/XXXX. To this date, it is still showing inaccurate information, and is reporting inaccurate information on my credit report. This has impacted my credit report greatly and is damaging my credit worthiness.