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

I had a credit card with 5/3rd that was taken out in XX/XX/XXXX & myself & my father, XXXX XXXX XXXX, were both on the card. My father filed BK in late XX/XX/XXXX & when I attempted to make pay on my credit card with 5/3rd they stopped allowing me to make payment, closed out the credit card & have reported the card a charge off even  though I was never late on the card & they prevented me from making payment on the card like I had for the previous 14 years. As a result of them, not allowing me to make payment & reporting it a charge off my credit went from the high 700s to the mid to low 600s causing me to pay more for every single type of credit i have.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY IDENTITY TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY CONSENT OR KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

ON XX/XX/2021 DYNAMIC FLAGGED MY ACCOUNT DUE TO A SUSPECIOUS REASON
Product: Checking or savings account

Hi, I '' ve tried to close my savings account 2 times now and each time more fees are added on after the representative at Citibank confirmed the account was submitted for closure after removing the fees. 

The first time, the representative confirmed that since there was a XXXX balance the account will be closed with no issues and " closed '' the Citibank savings account.

The second time, I received a letter stating I owed a balance on the account due to a monthly maintenance fee being charged AFTER the account was closed.

The CSR explained that an interest of XXXX posted to the account which stopped the account closure. She then XXXX the balance and submitted a request for a XXXX cent refund. She assured me the account will now be properly closed.

Less than 2 weeks later, I receive a letter for an overdue balance on the savings account for XXXX. Obviously this account IS NOT CLOSED STILL. 

This is ridiculous as each call requires me to be put on hold for hours to resolve this! Only to find out the account was not closed and more fees are being charged!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XX/XX/year> Subject : Dispute of Inaccurate Information in My Credit Report. 

Whom it may concern, I am writing to dispute the accuracy of certain information in my credit report. The details are as follows : 1. Account Name : XXXX XXXX XXXX XXXX FINANCAL Account Number : XXXX Issue : Inaccuracies, Late payments I request that you conduct a thorough investigation and correct any inaccuracies promptly. Please provide me with the results of your investigation within the legally mandated time frame. If proof can't be provided, I demand it be DELETED IMMEDIALTY. Thanks! Please see screenshots attached : Enclosed, please find copies of relevant documents supporting my claim. I appreciate your attention to this matter and your commitment to ensuring accurate credit reporting. 

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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I received a statement with a remaining promotional balance of {$290.00} and I paid the account off in full. Before the payment was applied I made a purchase of {$42.00}. On my next statement I received a notice that my promotional balance of {$42.00} would expire soon and I would be charged {$2200.00} of deferred interest. The way the payments were applied makes it impossible to pay off the promotional balance if I continued to use the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion Bureau, There are some Fraudulent Hard Inquiries on my credit report, I already have notified the lenders that it wasnt me who applied and made sure no new fraudulent accounts were opened. I called you several times and informed you about fraudulent applications, but these inquiries are still being reported on my credit report. 

Im enclosing the Identity Theft Report to this letter. I didnt file these inquiries, please remove them from my credit report : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 Sincerely, XXXX XXXX
Product: Consumer Loan

My name is XXXX XXXX my husband XXXX XXXX financed a car through Exeter Finance XXXX/XXXX/XXXX Account # XXXX. He was XXXX XXXX/XXXX/XXXX and received 10 year XXXX. I contacted them and explained situation was not at anytime told there was any issues of this and have made payments Exeter Finance took payments without hesitation. I received divorce XXXX/XXXX/XXXX and was awarded car in divorce I made them aware of this sent proper paperwork with included final decree and proof of his XXXX and requested paperwork change as well as full payment history that I would be refinancing with different lander and was told this would be taken care of. After months of this not being taken care of had contacted them numerous times requesting to talk to manager in which was told there was not one available and would receive call baxk which never occurred. I spoke with them few weeks ago and was told they would not be taking care of this and that contract was with XXXX and was being taken off call list.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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: Checking or savings account

My card was compromised and had an ATM deposit that I didnt make as well as {$2800.00} in Withdrawals that occurred on XX/XX/2019 throughout the day in XXXX talked to the bank and they felt to need to tell me I was a liar through the phone and dont do anything about the money thats been stolen.
Product: Checking or savings account

Last week Western Union Netspend blocked online access to my account and directed me to contact them by telephone. The account number is XXXX and the associated debit card account number is XXXX. 

I requested WU Netspend explain why my account was blocked and restore access. They have not provided the feedback and support I requested. 

I informed WU Netspend : - I have XXXX which don't allow me to speak over a phone or manually operate a phone. 
-I can't use FCC relay services because I can't use my hands to operate a phone or use my voice to relay messages. 
- I can communicate via online chat, I can send and receive text messages and I can communicate via WU Netspend 's message service.
Product: Debt collection

I have repeatedly told the collection bureau multiple time that I dont make enough money to pay off the debt or get garnished. That lady calls me two times a day and even calls me at my job which I might lose now. I am the only one thats working and soon to be homeless and if I she persistently keeps calling me I will no longer have a job.
Product: Debt collection

I have contacted XXXX XXXX after the last response for the CFPB and I could not get anyone to respond to the offers stated in the previous complaints. Several months have passed and they have pursued a garnishment of my wages after attempting to settle the matter outside of court in numerous ways. I have been forced to discuss XXXX  XXXX options to aviod being garnished. I was told on XX/XX/23 that they will accept XXXX to settle, I am seeking assistance to resolve this matter with XXXX XXXX. I called several days in a row after the last coorespondence and no one would take my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX. I have been timely with all my payments, for 4 years straight. In 2020, I had an accident that totaled the car out. My parent insurance company, XXXX XXXX, paid the larger portion of the remaining loan, about 85 %. My GAP insurance company paid about 10 %, and I had the remaining portion at about 5 %. My last communication from XXXX XXXX was a letter dated XXXX XXXX, 2020, just telling me that my different options for paying off the {$810.00} that was left. There was no timeframe for which I had to get it paid, nor any threat or communication at all regarding reporting it to my credit as a closed account within 90 days. I had purchased a new car in XX/XX/2020, so I had a new car payment. Given the new car purchase, I was not able to make 2 car note payments, so I was trying to figure my finances out. I expected for XXXX XXXX to contact me with a bill, as they have done monthly for 4 years. They never contacted me again, and then all of a sudden, XXXX XXXX, 2020, they reported to the credit bureau that the account was closed, as if I refused to pay it! I was informed by my credit monitoring service on XX/XX/2020, which was a Saturday. I immediately called but they were closed. I called first thing Monday morning, and asked about options to reverse what they had reported on my credit. They refused to change it, and offered me a settlement. I immediately paid {$480.00} of the {$810.00}, and they accepted payment and told me to dispute the credit report. I filed disputes with all 3 credit bureaus, and as a result, XXXX XXXX is now showing I paid a settlement, but that they charged off over {$2000.00}! This has caused my credit score to be lowered by 75 points!XX/XX/XXXX did not give me the notice that this would adversely impact my credit within 90 days, and did not give me the opportunity to pay the account before choosing to publish this on my credit report. I think that is an unfair business practice, especially after I have made on time payments to them for over 4 years. Nothing in my payment history suggested that I would not pay the remaining portion of this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I contacted Experian after going online to XXXX and looking at my credit report. I noticed there were 4 inquiries on my Experian credit report that were not authorized by me. Those inquiries included XXXX, XXXX and XXXX  XXXX. I contacted XXXX XXXX, XXXX and XXXX  XXXX and let them know I did not authorize any of them to pull my credit. XXXX, and XXXX informed me that they would remove the inquires. XXXX  XXXX informed me that when I was searching for a merchant account they pulled my credit apparently to approve a merchant account I was searching for. The problem with that is I didn't authorize the pull I just wanted information about the account. Not to have a hard inquiry on my credit report. I informed every merchant account company of this before the application process to run a soft pull or not to pull my credit at all if they could not do a soft pull. I contacted Experian as well and asked for the inquiries to be removed. Experian informed me that it would take up to 90 days to remove the inquiries. It has been past 90 days. I am in the process of trying to buy and or rent a house and these unnecessary unauthorized inquiries lower my credit scores. XXXX  and XXXX  don't have these inquiries on my reports, yet Experian does. I even asked Experian to note in their computer systems my requests more than once to remove these inquiries and they informed me that they did. Please help me get these inquiries off my credit reports. The only thing I can think of to do next is file a lawsuit against Experian for not removing the inquiries which are causing my credit scores to be lower than they should be making it more difficult for me to purchase or rent a home at this point. Please help me.
Product: Bank account or service

I am a customer at Bank of America and enough is enough!!!!!!! I have told Bank of America on more than one occasion that I DO NOT WANT OVERDRAFT " PROTECTION ''. I had to leave town on a emergency and due to posting delays ( I made those charges of Friday but they did n't post until Monday ) I over estimated how much money I had and due to my withdrawal on Sunday before I left town my account went into overdraft on Monday while I was out of town. I read up on the laws and what the bank promises and they say that they will not charge fee 's for non recurring items and bill pay. I had XXXX items post while I was out of town XXXX for XXXX each and XXXX for XXXX and of course I was charged XXXX for each item!!! I know Bank of America and the other banks are a business BUT this is unconscionable and I do n't know why it is acceptable for the banks to act this way? I researched state usury loan shark laws and the most any state allows someone to charge in interest is 45 % in the state of Colorado. Why are banks not forced to charge a percentage of the over draft amount???? Is it fair that a person that overdrafts by {$1.00} and a person that overdraft by {$1000.00} pay the same {$35.00}??? Also I am reading that bank believe that they dont have to abide by lending interest rate laws because they claim overdraft items are not loans. I beg to differ if I dont have XXXX to pay for an item and YOU, BANK OF AMERICA. Chooses to pay for that item for me WITH THE EXPECTATION that I must pay you back THAT ABSOLUTELY IS A LOAN!! And what they are doing is illegal and there needs to be a class action lawsuit, its very simply if I dont have enough money in my account I DONT WANT YOU PAYING THE ITEM FOR ME!!!!!!!! They continue to do this because the law is not forcing them to act in a decent and equitable manner.
Product: Debt collection

On XX/XX/2021 I notified PERSONIFY FINANCIAL with a cease and desist notice by post mail. However, the post office returned the notice back as undeliverable. The only information I have for this institution is the information XXXX is reporting on my consumer report. I am notifying PERSONIFY to provide me with verification of this alleged debt and that they cease any and all collection efforts as well as any communication in regards to this debt to any and all mediums including XXXX. XXXX has NEVER had my direct consent to publish this information on my consumer report and is currently harming my reputation. PERSONIFY has also attempted to sell this alleged debt to a third party by the name of XXXX XXXX. I have also served XXXX XXXX with a cease and desist. I am holding each of these institutions equally responsible for the infringement of my consumer rights and demand that they be held accountable for their violations. I am demanding that until they can provide me with documentary evidence for this alleged debt they delete this account from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by XXXX. I looked at my report on XX/XX/2024, and noticed some things are incomplete and inaccurate. According to the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts are not complete and accurate. 

[ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX  Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXXXXXX ] [ XXXX XXXX XXXX ] As a result of this violation , I have suffered financial loss and emotional distress. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with the FCRA. I also request XXXX be held liable for any damages and penalties as provided for under the FCRA. 

According to FCRA 15 U.S.C. 1681S-2 : 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. 

Check attachments provided
Product: Payday loan, title loan, or personal loan

I have been a victim of fraud and need to stop all ACH payments with this company. 

RE : Revocation of ACH Credit and Debit Authorization To Whom It May Concern : Effective immediately, I hereby revoke any and all prior ACH Credit and Debit Authorizations related to the above referenced account. A copy of the ACH Authorization is enclosed. Please confirm receipt of this revocation, and your intention to honor it, no later than XX/XX/2018. Confirmation may be made via email at XXXX or XXXX Your signature, XXXX XXXX XXXX
Product: Student loan

Navient put me in to forebarence and did not credit me with my payments towards my public service loan forgiveness program. They never would process me for the income driven repayment plan at first, it took forever and finally I got in the program.
Product: Debt collection

In XX/XX/XXXX, I responded to a letter about credit cards from Capital One. Capital One sold the account to XXXX XXXX and I advised them that the amount claimed owed from Capital One was inaccurate because payments/refund from a cancelled cruise in XX/XX/XXXX was credited to the account. I also wrote to Captial One in XX/XX/XXXX. Both responded as if no payments were returned to Capital One. XXXX XXXX provided copies of billing statements up to XX/XX/XXXX, and did not provide any statements showing credit/payment for the cancelled XXXX cruise. 

I just discovered that XXXX XXXX have reported the account to XXXX even after failing to validate the amount owed during the validation period,
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised with the Equifax Breach and on Friday ( XX/XX/XXXX ), I was told that I could not dispute my inquiries as they are a factual part of my credit report which was false. I expressed my right to dispute any incorrect information on my credit file as I saw fit. He said that he filed a dispute to have the items removed but in a phone call with another representative on XX/XX/XXXX that representative let me know that a dispute was never done. She once again tried to tell me that the information was factual but she claimed to have put in a dispute with conf # XXXX in which I do n't even know if the dispute was actually put in or if I was lied to again.
Product: Checking or savings account

On the week on XX/XX/2022, I have tried to make several attempts to deposit different checks via atm to my Wells Fargo Checking account and online mobile bank and it would not allow me. Also, my debit card seemed to be put on hold for " aribitrary '' flags put on my debit card for fraudalent transactions.
Product: Credit reporting or other personal consumer reports

I have been trying to resolve issues with Transunion for over XXXX months I have filed numerous complaints here and with the better business bureau. Till this day I have not gotten a copy of my credit report TransUnion claimed they needed 60 days to review my report and it still has not been updated to reflect accurate and correct information. I have requested on XXXX occasions an audit of the entire account for accuracy to no avail. I can not access the trans Union website as it keeps giving me error claims that say I can not be verified. I have spoken to numerous Transunion employees who all give me no remedy in accessing my credit reports. I have been told I will be called back with a manager never to have it happen. I have been told I need to file a stolen identity report with police to get access back into my report. I have mad more than 15 requests for my credit reports to be audited and correct accurate information be reported. Trans union is willfully violating the fair credit trading act and refuses to comply.
Product: Debt collection

A debt of {$10000.00} has been posted on my credit report linked to a XXXX XXXX XXXX XXXX XXXX account. I worked for XXXX XXXX XXXX for 3 months in XXXX and had opened a charge card. I used it while employed there. Upon leaving the company I received a letter from XXXX asking if I would like to keep my account active. I accepted. I never used my card. My last statement dated XX/XX/XXXX to XX/XX/XXXX showed a XXXX balance and a credit limit of {$4000.00}. 
I have not received any statements from XXXX XXXX XXXX since then and had no knowledge of any activity on my account until a negative remark showed up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Trans union about an account that is missing or not showing at all after more than a yr of reporting and they told me contact creditors I have they are for sure they report and have said they will file complaint as well