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

Wells Fargo blocked my ATM card while I am here in XXXX. They said that I have to go into a Wells Fargo branch to resolve the issue. There is no Wells Fargo branches here in XXXX. This happened around XX/XX/XXXX. They said that I have to call, which when I was able to many many times, my phone kept cutting out on me right when I was able to have them set up getting me a new ATM card, which they said they would overnight to me via XXXX but never did. I have been out of money since that time except of a XXXX XXXX transfer which took 6 days to arrive, I have gone into debt with many people just borrowing their phones and eating food and I even had to go into the woods to get food almost every day. Then they stopped answering my emails after many many pleadings to send me my money some other way or overnight a new ATM bank card which they never did. I am almost with an expired XX/XX/XXXX, and I owe a lot of people a lot of money. They never took my situation serious and I suffered and still suffering until this day which is XX/XX/XXXX. 
They said they will XXXX a new card but I have to wait another 2 to 3 days which puts me past my XX/XX/XXXXstay thus causing further debt to me. I have my rental office extremely upset at me, my family back home is extremely upset with me, I am a XXXX XXXX diagnosised with XXXX, XXXX  and unemployable. This has not helped one bit. Wells Fargo has no emergency procedures and they insist on phone conversations instead of a so-called 'Secured ' email service. What's the point of that if they don't honor my requests that way? 
I am still without money and many people upset with me because Wells Fargo dropped the ball on me and left me essentially to suffer and die here because they blocked my ATM and did not make provisions to IMMEDIATELY send me a new card.
Product: Bank account or service

A customer of TD Bank, XXXX XXXX, XXXX, CT, loaned me {$3500.00} in XXXX 2016 for my daughter 's college tuition, She used her debit card to make the payments.to the University my daughter attends. The first payment was {$2500.00} which was made online from her home. The second XXXX, she accompanied my daughter on campus and made the payment.Service fees were also paid by her. Initially, arrangements were made between both of us for full repayment by XXXX XXXX, 2016. No Promissory Note was done as she said it was okay without one. I repaid her {$2000.00} of the {$3500.00}. I was having difficulty with my source of funds, so she told me to repay her in small amounts. She then decided shortly after telling me to pay her back in small amounts that she needed the balance by the end of XXXX 2016. I informed her that it was not possible and I would pay her on XXXX XXXX, 2016. Sometime in XXXX 2016, she contacted her bank and reported the first payment as a fraudulent transaction. The bank ruled in her favour and returned the money to her.I spoke with the bank and was informed that I was not a customer of the Bank and they have to protect the interest of their clients. I attempted to get back my money from this woman, she told me that she is waiting for me to take her to Small Claims Court. She is also denying that she loaned me the {$2500.00}. I physically visited the bank and showed the representative the text messages. She discussed this with her manager who instructed her to inform me that there is nothing they can do as they have to protect their client and I would have to go through the courts. I can not afford a lawyer and being repaid in small amounts will not assist me to pay the University.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a DUPLICATE report and this is not filed by a 3rd Party. 

I just reviewed my credit report and there are some Hard Inquiries that I don't recognize. The Hard Inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

After three years of being told wrong information and getting the run around I've finally got somewhere with boa. Sadly, it was just a little bit of false hope. 
The boa specialist I was assigned XXXX actually talked to me on the phone. I'd have to call, leave a message, and 24 to 48 hrs I'd get a call during their posted business hours. Not only did the first call back a week after I messaged them came in, it was two hours after they were supposed to be closed.

So after three weeks of leaving messages I emailed them to which I got a reply to call them. 
After reapplying the disputes for the money stolen from my account several times, they have approved two of eight. Those two being the smallest amounts out of order in which I filed them. 
All others have been denied for a laundry list of reasons that I have proven to be false with evidence. 
I had no control of my XXXX  account or boa debit card account. I filed for fraud that neither sides would take serious due to lack of security question answers, email, or addressing I didn't setup. 
Boa has wrecked my life from this. I've lost everything and I'm struggling just to reclaim my identity back from this event.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to investigate my disputes properly just updated failed to have there customer / creditor provide them proof after documentation was sent showing debt was owed Failed to work in my favor to correct the problem Lowered my credit scores to hurt me because I disputed the information
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I had alerts on my credit reports. All credit reporting agencies, Equifax, XXXX, and XXXX were not allowed to give out my credit report information without first contacting me and me allowing and verifying that I auhtorized it. They are not doing it. I have Hard Inquiriess on all my Credit Reports and they will not remove them. They know they XXXX  up. Please make them remove all Hard Inquiries from my Credit reports. Thak you
Product: Credit reporting

XXXX XXXX lists numerous late payments when, in fact, I directed them years ago to automatically take the money out of my checking account. Their failure to do so has resulted in derogatory information being reflected as aforestated.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXXXXXX XXXX BALANCED {$26000.00} XXXX XXXX XXXX XXXX BALANCED {$15000.00} XXXX  XXXX BALANCED {$8100.00} XXXX XXXX BALANCED {$2200.00} XXXX XXXX BALANCED {$16000.00} XXXX XXXX XX/XX/2023
Product: Credit card or prepaid card

By XX/XX/2017 I had received numerous offers for an American Express Delta credit card. It claimed a reward of XXXX miles for signing up and using the card and spending {$1000.00} in three months. When I tried to sign up for the card, I was given a 20 minute speech. I said I didn't have time to listen for longer. I tried 3 more times but the agents didn't seem to be able to process the application. One agent told me to try online. When I tried online, the message kept saying that my XXXX  FF number wasn't correct, even though I knew it was. I gave up. 

I have called Amex and XXXX  numerous times about this credit card to get the miles and buy my flights with the " free checked bags. '' Each agent and the online information are completely conflicting. Today I signed up for the card, then when I wanted to use it to buy the tickets I had spent DAYS trying to coordinate, it said my purchase limit was {$1000.00}!!!! ONE PART of the ticket I need to buy is {$1100.00}! The other is {$1000.00}, the other is XXXX Euros. The ONLY reason I got this card was to buy these XXXX flights and get the miles. If I don't buy all three parts of the tickets together, I may lose the linked flights. And if I use another credit card, I don't ' get the bag fee waivers or the miles which was the only reason I signed up! I am VERY angry because I know that every time I apply for a card I lose points on my credit score, so I do not like to sign up for cards I don't need. I did not need this card. I already had an AMEX and knew how incompetent Amex Can be ( they sent MY credit cards to a random address and won't tell me what INCORRECT address they have in their system. They risked my having identity theft and did nothing to compensate me for that. 

Amex and XXXX should be fined for this fraud they are committing. 

I want compensation for their lowering my credit score, and I want the XXXX bonus miles I was originally promised, since I didn't get it due to THEIR errors, and I want all bag fees waived and the double miles I would have gotten for {$2200.00} on XXXX. Otherwise, I would have used another credit card and another airline! 

XXXX already failed to credit me for the miles I flew from XXXX  to XXXX,, and the miles my boyfriend flew from XXXX  to XXXX  to XXXX. XXXX and XXXX are both scamming their customers.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I made a complaint to CFPB regarding my Ally loan. Complaint number is XXXX. Since then, Ally sent my account to collections, likely in retaliation.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made several attempts on XX/XX/2021 via phone to dispute inaccurate information on my Credit Report as reported by XXXX. However, XXXX is refusing to accept my dispute and investigate the issues with my credit report. I was reviewing the information that was provided to me by XXXX being a member and saw that there were three different credit inquiries on my credit report that I did not authorize. I was told by four different representatives that it is not the responsibility of XXXX to accept a consumer 's complaint regarding XXXX  reporting inaccurate information under their credit report. The representatives I spoke in the order of contact was XXXX, XXXX, XXXX, and XXXX. At this point I am confused as to what a consumer is suppose to do if they see accurate information on their credit report and need to either correct and/or have it removed. At this point I am highly upset with the treatment I have received thus far in relation to this matter therefore I am turning to the Consumer Finance Agency for assistance. Consumers should not be held hostage regarding their credit information the different credit reporting agencies. This is completely unacceptable. Credit Inquiries : XXXX, JPMCB, and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX Toll Free : XXXX XXXX XXXX XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Upon my research/findings, NATIONAL CREDIT SYSTEMS , INC is a debt collector. They are falsely reporting to my credit! Account # XXXX is falsely reporting to my credit file ( XXXX, XXXX, and XXXX and any other reporting agency ) and against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports. I have attached the definition so that you can see and understand the violation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. I request to be provided proof of this alleged item, specifically the original application, contract, note instrument bearing my signature with NATIONAL CREDIT SYSTEMS , INC . Failing to do so, the item must be deleted from the report as soon as possible! Under federal law, you have 30 days to complete your reinvestigation. I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692G Please have the original creditor provide the validation documents to the BBB as well as to me. It is extremely important that the creditor provide the documents to the BBB to ensure fairness and that they are not brushing me off and taking this matter seriously. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looking over all XXXX of my credit reports and I seen accounts and companies I have never done business with, and according to the online credit report that I viewed, your credit bureau issued the report that was used to determine my credit evaluation. Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of  the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1.XXXX XXXX XXXX # XXXX Never don business with this company error please delete. 2.XXXX XXXX XXXX # XXXX This was discharged in Bankruptcy and is listed wrong please delete. 3.XXXX XXXX # XXXX This account was paid and is listed wrong error please delete. 4.XXXX # XXXX This account was discharged in Bankruptcy error please delete. 5.XXXX XXXX XXXX # XXXX This account is FRAUD I have never had a credit card with this company ever. 6.XXXX XXXX XXXX # XXXX This account is listed wrong and dates and status are wrong please delete. 7.XXXX XXXX # XXXX This account was never verified please delete.
Product: Bank account or service

I began receiving emails from KeyBank in XX/XX/XXXX of this year. I do not have an account with KeyBank nor have I ever heard of them. 
In the email, it stated, " Your Account Has Been Accessed From An Unauthorized Location. Your Online Account Needs Verification Ensure to comlete the verification process correctly to avoid a permanent block on your account. For security reasons imcomplete profiles will be blocked indefinitely ''. 
This was followed by a link to sign into online banking. I did not click on the link but there was a toll free customer service number, XXXX, which I called XX/XX/2017. The system was automated and I was told to enter either an account number, debit card number, or a social security number which I did not do. Once I was able to speak with a representative I was told to disregard the email and throw any mail away. I again explained how it came to me via email and I did not want my email associated with any account with KeyBank. She asked for my email address and name. I provided this information to her. She did not ask for any other contact information. I was told my concern would be escalated but in the meantime not to reply to any email or click on any link in emails received. She also stated they were having issues with fishing emails. 
I have not received any communication from KeyBank since this date. I need to be sure this was taken care of. This is the second of three different companies I 've received emails from concerning a bank account I do not have.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I had received a mail from the IRS that someone tried to file taxes under my name, I start doing investigation and start getting all the call from those companies, I called my lawyers that is how I found out I am a victim of identity theft. I filed a complaint with FTC. 

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account, and XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card

US Bank made a claim that I authorized charges and falsely claimed that they had XXXX ( XXXX ) recordings. I asked for proof that US Bank was truthful with me when they claimed they had recordings, but they did not address this issue. 
The only evidence that US Bank provided was signatures that purportedly matched, but US Bank did not offer any evidence to counter my forensic signature expert.
Product: Debt collection

I hope this message finds you well. I want to bring to your attention that the account in question ( XXXX XXXX account number : XXXX Date Opened : XX/XX/year> Balance : {$3900.00} ) is fraudulent, and I have already reported the issue to XXXX XXXX. They have acknowledged the error and assured me of updating their records accordingly. As there is no legal binding agreement for this account, I am urging for its immediate removal from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$180.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$180.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$530.00} Open Date XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I do n't know why it keep saying they ca n't connect to my bank when it 's showing my bank balance on the app. Not sure what the problem is but last week I had no trouble connecting to my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX, Account # XXXX XXXX, CHOICE RECOVERY ACCT XXXX, AND XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I have been going through an uphill battle with Navient for a year now in regards to validating these student loans that appear under my ssn and partial name. They have refused to provide me with what i have requested. This leads me to the conclusion that they do Not have proper documentation to validate this accounts. Original signatures for all loans were not provided to me along with itemized account info and history to support these accounts. Navient has clearly went past their legal allotted timeframe to resolve my inquiries from 1 year ago. They simply keep providing me with incomplete photocopy signature of only half of the loans that are on my account. Furthermore, these accounts were said to have been paid off in full on the website under the login profile. They were paid by the XXXX XXXX XXXX yet you continue to peruse me for Double Payment. There is a lot of breaching of security and inaccurate, incomplete documentation that Navient is propagating at the expense of struggling srudents. We will not continue to be bullied. I will take this matter to the top until these accounts are removed as you have not validated them and they are adversely affecting my credit reports as they appear to have late payments which could not be substantiated by Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and on XX/XX/XXXX I sent a letter regarding accounts that were incorrect and reporting false information on my credit repot. As of today its been over 60 days and I have not had this issue resolved. I know things are moving slow with the whole covid pandemic but at this time I feel like I'm being taken advantage of and my dispute is being ignored. Section 611 ( a ), it clearly says that failure to investigate these items within 30 days gives reason to immediately remove these accounts from my credit report. It has been more than 60 days since I brought this to their attention so they should be deleted promptly. I demand that this accounts be deleted immediately or I will seek legal representation due to the stress this is causing me. I was made aware that my information was impacted by the XX/XX/XXXX data breach and may have gotten in the hands of the wrong person. I also lost my wallet a while again and notifeied the credit bureas.