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

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX Balance {$25000.00} XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Balance {$25000.00} XXXX 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 Balance {$25000.00}
Product: Checking or savings account

I used to have a business account with Wells Fargo. Fees were high so I closed it. Not sure if there were any errors on Wells Fargos behalf
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with SelfLender back in XXXX. According to MyFico score reports, XXXX & XXXX showed a 30 day late status for XX/XX/2017, while XXXX showed a 30 day late status for XXXX. See attached. I disputed the account history in order to have the report corrected, and at that time, XXXX XXXX XXXX appears to have added another 30-day late status to each of my reports. 

I only paid this account late one time. In fact, every single other payment aside from that one were made early. If that's not the case, I'd like XXXX XXXX XXXX  to furnish documentation to prove otherwise. 

Clearly this is not accurate, and I'm quite sure they're retaliating against me for the less than favorable reviews I left them on XXXX, XXXX, and XXXX.
Product: Debt collection

For the past month, I have received over 11 phone calls from over 11 different numbers. I've listed the dates, times and various numbers used as of the past 30 days. 

XX/XX/22 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/22 XXXXXXXX XXXX XXXXXXXX. 

They are trying to contact my husband in reference to alleged debts and have already been told by him to stop all contact via phone. He told them this through a service representative named XXXX on XX/XX/22 at XXXX XXXX  via a call back to their phone ( XXXX ) XXXX.
Product: Debt collection

XX/XX/2019 collections open {$120.00} There is no phone number, address or company for me to reach out to. 
I do not recognize this collection item and want it off please
Product: Credit card

The week of XXXX XXXX, 2016 I made a call to CitiCard Customer Service to proactively call and let them know my credit card payment was going to be late for the month of XXXX because I had transitioned into a new job and was waiting for my first paycheck. I requested for the customer service rep. to provide assistance with a forbearance, due date change, or forgiveness due to my situation. The customer service rep. assured me that I would have nothing to worry about, thanked me for my due diligence of calling in to let them know my payment was going to be late and that if I were to receive a late charge I should call back in to request for the XXXX late charge to be removed. This evening, XXXX XXXX, I called to request for my XXXX late charge to be removed, explained my hardship again and explained I will not be late going forward and I was told that my payment was late due to my own error and not a bank related error they would not be able to assist me. I find this unbelievable that a company would treat their customer in this way. I could have just avoided them for a couple of weeks until the payment was withdrawn from my account, but I did n't. I gave them notice that I was having a small and temporary hardship and I feel like they took advantage of me. They basically assured me that my account would be okay and mislead me to get me off the phone and on to the next customer call. Due to this, knowing the risk involved I closed my account immediately further damaging my credit, all because this bank wanted to take advantage of my situation. The sad thing is I know I am probably not the only person who tried to do the right thing and be proactive, but for what?
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen some fraudulent inquiries on my credit report and would like to have them removed XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX-XXXX  Inquiry : XXXX. XXXX, XXXX  XXXX XXXX  XXXX : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

My information was on Equifax and I was a part of the settlement my info was put out publicly and XXXX won't tell me who's over the breaches on my dark web report
Product: Debt collection

XXXX XXXX  went out of business early XXXX. I received the kit but could not complete the treatment because the medical providers to that monitor your treatment were no longer available. I was not going to use dental devices and risk injury without medical supervision which XXXX XXXX  could no longer provide. XXXX continued to charge my XXXX card and my credit card for continued payment on a service I can not use but more importantly can not be completed. Ive been threatened with collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have made three separate requests for a credit report on all bureaus, and the only bureau that complied was XXXX. I have no idea why it would take so long to obtain a free annual credit report, but I have showed XXXX and Trans Union the cover page from XXXX to validate my residency. I need for both bureaus to comply and release my credit report mandated through the Fair and Accurate Credit Transactions Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/2021 Balance : {$120.00}.
Product: Checking or savings account

A check bounced in one of my accounts mid XX/XX/2021. They immediately froze ALL of my accounts not just the one with the returned check. It was the first returned check in ages. I did not have a history of checks being returned. They are preventing access to my child tax credit funds. Several times I have contacted them and asked them to close all my accounts and send me a check for my available balance at the very least make my child tax credit payment available. To this date no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that are not mine and i want them to be removed from my credit. 

1. Identity Theft CREDIT PLUS Date of inquiry : XX/XX/2019 This is not mine. 

1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.
Product: Debt collection

I've done business with this company for years. However, end of last year, they processed my payment on the wrong date, when amount in the bank when they DID attempt to charge was ~ {$5.00} under. I do not have the specific amounts at this moment, as I have a short time window today to file this complaint.

They then tried to process it again, without permission, resulting in NSF charges from my bank. Their attempted charge was about {$86.00}, with my having about {$81.00} in, resulting in two NSF fees of {$35.00} each, then causing my next {$10.00} autodraft for something else to be ALSO returned with yet ANOTHER {$35.00} NSF fee. Due to this, I've lost access to my bank account, and accumulated a $ XXXX/day negative balance fee, since XX/XX/XXXX. 

I've explained this one day to a XXXX XXXX XXXX representative, who was very friendly and said she understood. I expressed about that it was just after noon, that I'm at work, and I already got 2-3 calls before she called. She said they have no control over them,  that they're automatic and can not be controlled unless I pay my debt. She informed me that XXXX would issue a check for the amount they costed me, if I provided proof of the overdrafts. Something I explained I do not have a way to send her, as my printer doesn't work right now, and she refused to give me a way to email the documents. 


Since this day, back in mid XX/XX/XXXXr, I have received at least two calls from them a day. The past 2 weeks, I have received 4+ calls a day, including from new numbers when I have one blocked. They've gone so far as to SPOOF phone numbers with my local area code, to call me. One of these happened today. 

I have told them I'm on the National DNC registry, that they're calling during all hours, including when I'm sleeping ( every day, they call XXXX ), and that they're calling me at work. They persist.
Product: Credit reporting

Chap XXXX filed in 2009. It was dismissed and closed because of job loss do to XXXX XXXX. Credit agency says they will not remove for 10 years claiming that they would only remove in 7 years if it was discharged. I did not see that distinction in the Fair Credit Reporting act.
Product: Credit card

On XX/XX/2023 I was trying to make a purchase for new eye glasses and my Care Credit card was declined. After confirming that my account was paid in full, I contacted customer service and they informed me that my account had been automatically closed by their system at the start of the month because of a low XXXX credit score. I checked with my Bank, which provides me my XXXX score every month, and my score has been over XXXX for the past year. I believe closing my account was an error in their system and customer service offered no help in resolving my situation other than to tell me to reapply for a new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I locked my Equifax report via XXXX a while ago per the Equifax hack ... I recently began applying for mortgages, and was told by my brokers that I need to unlock my Equifax report to proceed ... I submitted an unlock request on the XXXX website, which states they try to do it in real-time, but gave me a message that it would take 48 hours. It has been over 48 hours, and I was hoping to get my mortgage approval in time to make an offer on a property, but the banks need the Equifax report to complete the process. 

I called Equifax, they said that the XXXX is a third party and I had to contact them to unlock. They essentially claimed they have no power to unlock their own credit reports, and shifted responsibility to XXXX  and said they are not affiliated with them, which is an obvious lie. 

I called XXXX, they said they do not know why it's taking so long, and submitted a service request that will take up to 5-7 days ... the property I'm looking to offer on will likely be sold in that time. The call with them ended with " thank you for calling Equifax ''. So they are affiliated after all. 

XXXX  was offered for free because of the Equifax hack that put their customers at risk, and Equifax continues to treat its customers as products ( products they can't even exert control over its seems ).  Why the government allows this incompetent firm to continue extracting rents from American consumers is beyond me. This company makes the DMV and the Post Office look like well tuned operations. 

Warning to all, do not use XXXX  and avoid any and all services from Equifax where possible, as they can not do the simplest of tasks and do not care about you ( the product ).
Product: Credit card or prepaid card

Payment on may Valley Bank credit card is due tomorrow XXXX XXXX. So my beloved wife XXXX and I drove to the local branch in XXXX a mile or so from our home. BUT THE DRIVE IN  WAS CLOSED AS WAS THE BRANCH ITSELF. So I mailed my check at the XXXX Post Office for hoped for delivery to the XXXX branch of the bank on XXXX XXXX! 

But I fear that the Valley Bank will claim it did not receive my check on XXXX XXXX and so charge me a sky-high late fee which would be totally unjust as its branch and its branch drive in were closed as aforementioned! 

I SHALL NOT PAY ANY LATE FEE OR INTEREST NOR MAY THE VALLEY BANK REPORT ME TO THE CREDIT REPORTING  BUREAUS! 

The branch should have been open even during the coronavirus pandemic! Where does Valley Bank think customers are to bank? ON THE MOON?
Product: Credit card or prepaid card

Due to the recent Pandemic our world has faced, I had to be placed on a financial hardship program with XXXX Bank Credit Card. My payments are due on the XXXX of each month, however I am unable to use their mobile app to process these payments due to being on the financial hardship program. When I contact the XXXX provided no one answers and there is no way to get in contact with an automated payment system. Due to this issue I have been experiencing late fees and also this is hitting my credit score. I'm on hold with customer service for hours just to make a payment and not able to get ahold of anyone. This is unjust and is hurting me when I'm doing everything to make the payment. Please help! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX never gave ( Equifax ), any verbal or written consent to report anything on my Consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following Circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

18 U.S. Code 1028A Aggravated identity theft ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

None of these companies have lawful authority to put any account on my consumer report.

All accounts list below must be deleted!

I research these are Violations under the FCRA, I Found out identity theft happens every day, as a consumer I never benefited from the goods received from these fraudulent accounts.

15 U.S. Code 1681c2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Thank you, Each one of these accounts need to be deleted immediately!!!

List each account here along with the full name of the account and it's account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once again, all accounts above shall be blocked and deleted from my credit file immediately! 

This will be forwarded to the Consumer Financial Protection Bureau, I will also notify my attorney generals office as well. 

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

My first letter to American Express was on XX/XX/2018 I requested them to investigate the hard inquiry on my credit report because I believe I did not authorize this company to run my report. I received a letter from American Express on XX/XX/2018 stating they are unable to comply with my request. I sent a second letter to them on XX/XX/2018 stating under the Fair Credit Reporting Act they have to mail me a copy of my signed authorization form that gave them the right to view my credit, so that could verify or not verify it being my signature. If they can provide me with this information under the Fair Credit Reporting Act they must delete it off my credit report. I received a letter from America Express on XX/XX/2018 stating once again that they can not comply with my request. I do not feel like this company even looked into my request by the mirrored letters they sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a recent credit check done, and Bank of America is still showing under my name for XXXX I have contacted the company in the past, also sent out letters and ID theft report, but it has not been removed off my credit. 

I am a XXXX XXXX XXXX XXXX XXXX working as A XXXX XXXX, and I am victim of Identity Theft, I would like to have BANK OF AMERICA REMOVED FROM MY CREDIT REPORT AS IT IS NOT VALID AND FALSE AND FRAUDULENT. 

I have provided proof to show that and attached it as well.
Product: Checking or savings account

Account was opened in XX/XX/XXXX with a promo code that was for {$250.00} once a direct deposit was initiated. I inquired onXX/XX/XXXX about the posting of the {$250.00} and was informed tat the code I used was not valid for the account i opened. Supposedly the account I opened had a different code. The account opening process was done all online and the banks system accepted the promo code with the account I opened.
Product: Credit card or prepaid card

I am writing to complain about your decision to deny my credit card application for Chase XXXX XXXX XXXX in XX/XX/2022. I feel that your decision is unjust and violates my consumer rights. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to obtain a copy of my credit report and the reasons for any negative action taken against me based on that report. However, I did not receive any such information from you, and therefore, I am unable to fully comprehend the reasons behind your denial. 

Furthermore, the Equal Credit Opportunity Act ( ECOA ) prohibits credit discrimination on the basis of various factors such as race, color, religion, national origin, sex, marital status, age, or because a person receives public assistance. I believe that my application was evaluated unfairly and that my rights under the ECOA may have been violated. 

I request that you reconsider my application and provide me with a detailed explanation of the reasons for your initial decision. I also urge you to ensure that your credit evaluation process is fair and impartial and that your decisions comply with all relevant consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

I have been scammed by a person claiming that they are apart of XXXX claiming that the can qualify me for XXXX vouchers to help pay debt. they informed me that I would need to submit to them {$3200.00} by XXXX / XXXX in order to proceed with the program. they informed me that they would need my username and password to login to see if I qualify for the program. I was notified by the rep that i qualified for the program and the next morning I received a deposited amount through mobile bank for {$3900.00}. So the rep informed me to send {$2700.00} by XXXX and {$500.00} through XXXX. Wednesday night, I found out that the amount that was deposited was reversed. I call PNC and they informed me to call XXXX.I called XXXX and they could not pull up my info. The rep asked me what state am I located in. I informed the rep that I reside in Maryland and found out from the rep that XXXX does not cover Maryland. I called PNC again and they informed me to call them in the morning to make a claim. I spoke with a rep in the morning stressed out about the situation and was told that It happens all the time and he claimed that I would handle well and that I could go back to work because it will be resolved. All I need to do was wait for the form to finish the claim. Its been over a week and I have not received the form. I was also told to open another bank account in order to use funds. During the week I deposit money in the new account at PNC finding out that my account is on hold due to the investigation. I called PNC and ask to speak to a manager in the fraud department and I was transferred to Employee Service in mind of that I am not a employee of PNC. I was finally transferred to a rep who claimed that she was a manager and has not cared on how I was treated from the company nor car on how many times I had issues with PNC Debit card had to be replace due to fraud alerts. I want to speak to corporate of PNC Bank. I filled out a IC3 form requested by FBI and filed a report with Federal Trade Commission.