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

I have sent the request 5 times requesting that the fraud alert statement and freeze on my account be removed along with my ID Change of address card a bill in my name my bank statement and this last time a photo of myself and they still have not removed the fraud alert from my report! I've tried calling as well and was told that i need to the same thing i have already done to have it removed!!! This is ridiculous that I've jumped through every hoop and they think that they dont have to do what i request for my credit report! Its my report if i dont want the statement there then it needs to be removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the loan of capital one auto on the date of XX/XX/2022 during business hours. On XXXX and XXXX report, it shows late payment for XX/XX/2022. I tried to reach out to the company to resolve the issue but they will not remove the inaccurate information. I have records to show I paid on XX/XX/2022. This need to be updated immediately.
Product: Credit reporting or other personal consumer reports

There are a total of XXXX inquiry that i do not recognize and are unauthorized on my Equifax and they have not taken them off. i could only fit XXXX something inquirys but all of them all frauduant and i would like for them to be removed from my Equifax report. i am attaching an FTC identity theft report and im requesting they be removed becuase they are inaccurate and not mine
Product: Checking or savings account

I was called XXXX XX/XX/24, by " XXXX " from XXXX claiming to be wells fargo and stated, " Had I applied for an account at XXXX, yesterday, with wells fargo ''? 

I said " no '', she continued to ask personal questions and had my email and cell number. 

I requested a call back number and case number, for me to reach back to her. she carried on about that she could out provide. and then hung up I attempted to call the number back, answer machine " XXXX 's not available. '' just wanted to document and ensure no issues arise
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments XXXX XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit card

In XX/XX/year> I submitted a balance transfer from Citi Bank to Bank XXXX XXXX and it was applied to the wrong account. Citi Bank after 9 months of wasting my time still has no resolved the issue and they refuse to take any action to fix it stating the money is transferred and there is nothing they can do because the money went through. 
Bank XXXX XXXX advised I file a missing payment investigation with them and were also unable to help stating they can not confirm where the money was applied to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, - : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Hi, According to 15 USC 3002, I am a natural person which means my name in ALL-CAPS isn't me, My name is XXXX XXXX XXXX 

I applied for an American Express Gold card on XX/XX/year>. I was denied immediately. I've sent emails to the CFO and the Transfer Agent for American Express that very evening. No reply as of the date of this complaint. I called on XX/XX/XXXX, The new accounts department for American Express, and spoke with XXXX, she led me to believe that a reconsideration would be initiated based on my acknowledgment to the information on my consumer report being incorrect. I called on XX/XX/year>, to check on the reconsideration, and was told they were sticking to the denial based on the same information I noted was incorrect on my consumer report, and was being disputed.

16 CFR 433.1 states that ; ( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use.

( c ) Creditor. A person who, in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis ; Provided, such person is not acting, for the purposes of a particular transaction, in the capacity of a credit card issuer. 

( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.

15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Product: Credit card or prepaid card

I had a Chase XXXX XXXX credit card from Chase. A few months ago, Chase made a materially adverse change to the credit card 's terms. 

Specifically, Chase limited the number of guests allowed with the XXXX  XXXX airline lounge benefit and also disallowed points earning on the {$300.00} in travel charges each year that normally result in travel credits. 

Under the terms of the agreement, I could refuse to accept these changes - which I did. I called Chase to request that my card type be changed to one without an annual fee and that the annual fee be refunded. 

Despite making this request 4-5 times, the request was not processed. I finally escalated my request to a supervisor and it was processed however the annual fee refunded was pro-rated as of the date the change as made where as, under the terms of the agreement, I was entitled to a full refund of the annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one shows a late payment in XXXX of 2022. This payment was never late. They had an issue processing the payment every time I called to have it dont.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX  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
Product: Credit reporting or other personal consumer reports

I sent XXXX to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally on XX/XX/XXXX. I also sent letters to XXXX, XXXX, and Equifax. I asked these four agencies how they were verifying a bankruptcy that is showing up on my credit report. I asked for them to also send proof of the verification. On the first letter they responded that they verify through PACERS. I then acquired a letter from the court and PACERS where they state that they do not verify information with credit reporting agencies. i sent these letters off and again asked for proof of verification. XXXX, XXXX, and Equifax just report that is was verified, but did not send how, and XXXX has never responded since my last letter in XXXX. I have attached the letter I have sent to XXXX and the credit bureaus below : XXXX XXXX [ XXXX XXXX ] XXXX XXXX ( XXXX minutes ago ) to XXXX Report Reference Number : XXXX ATTN : FACT Act Dispute Request I am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently challenged this account with the credit bureaus, who said they verified it with XXXX XXXX. When I previously disputed with XXXX I was told you verified this alleged bankruptcy with PACER. I have attached an email from them and the courthouse stating they do not verify or have communication with ANY credit reporting agencies. 

I DEMAND that this unverified, per the Fair Credit Reporting Act, must be deleted from my file immediately especially since you lied about verifying this account through PACER. You violate my consumer rights by continuing to report such information, and legal action will be taken. 

Once the above information is deleted from my file, please notify me by mail or email. 

I have attached my driver 's license to verify my identity. To avoid confusion, my information is as follows : Full Name : XXXX XXXX Last XXXX of XXXX : XXXX CREDIT AGENCY LETTER : I am writing to dispute information regarding a bankruptcy on my credit report. On XXXX XXXX, I previously disputed XXXX XXXX bankruptcy XXXX with you, and in response, you verified the item as accurate, stating that you had verified the information with the court. 

However, I recently contacted the court and PACER and received the responses that are enclosed with this letter. As you can see, the court and PACER do not report to you, or any credit bureau, which means that your original response verifying the item with the court was either an error or a lie. 

The reporting of this record does not comply with FCRA 611 ( 15 U.S.C. 1681I ). Therefore, you must immediately delete this unverified record from my credit report. 

Your non-compliance with my request will also be construed as an absolute disregard of my consumer rights and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

I am sending this letter on my behalf, and I've included a copy of my ID to verify my identity. 

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

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with NAVIENT. I have always made my payments on time. For some reason, I realized that there were 90 days late payments on my credit report for the month of XX/XX/XXXX and 120 days late payments for the month of XX/XX/XXXX and XX/XX/XXXX. I have read enough to understand my rights. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 

NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ; NAVIENT XXXX Balance {$0.00} ;
Product: Money transfer, virtual currency, or money service

So I had my cash app account mysteriously just vanish with a balance {$1200.00}, then tried and tried to get help which never got nowhere they just said there wasn't any account, yet they sent me a new cash app card but it was just like I as started a new account info all was updated, but ballance has stayed at 0 XXXX Which it's currently still the same because until Im giving back my money I won't use cash app. I don't understand how you call cash app customer service and get nothing accomplished and don't even get to address the situation. My cash app is $ XXXX I just want my funds back as it's ridiculous how my money u worked hard for just vanished
Product: Credit card

Wells Fargo is our mortgage company and we had a credit card with them. We paid on time and never went over the limit. We used the card as our primary card for over a year with a credit limit of {$XXXX}. In XXXX, I paid the card off in full, {$XXXX}. Wells Fargo reduced our credit limit WITHOUT CAUSE to {$XXXX}. This severely impacted our credit scores and our ability to pay our bills. Since Wells Fargo reduced the limit so severely, we went over on the card, because our bills were automatically set to pay monthly with that card. We then had to transfer all bills to another credit card and pay for late payments and fees associated with bouncing charges. We were not warned before the credit limit was changed and the reason for the charge was that we were " close to the limit '' on the card, but this card was routinely paid as we spent and then PAID IN FULL in XXXX. There should be no reason Wells Fargo was able to reduce our credit limit without warning. Also, our current balance is + {$XXXX}, because I had auto-pay setup to pay the credit card bill, so they owe us money too. 

I spoke with several people over the phone and went to a branch in-person, everyone told me there was nothing they could do. 

This change has severely impacted our finances. Thank you for your time. 
XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX we encountered wire fraud with our bank account. We contacted Wells Fargo on XX/XX/XXXX informing them fraud was occurring with our account. Wells Fargo acknowledged the fraud and recalled two wires that were initiated on our account on XX/XX/XXXX in addition to 'freezing ' our account. Wells Fargo had knowledge on this date that fraud was occurring on our account. 

On XX/XX/XXXX we went into the Wells Fargo branch in XXXX, XXXX  and completed the visual verification as requested from a previous conversation with a Wells Fargo employee. The branch manager confirmed for us wires had been stopped and that our account had been 'frozen ' to ensure no further fraud would occur. On XX/XX/XXXX Wells Fargo allowed another wire to occur with our account after we had been told our account was 'frozen ' and it was confirmed by the branch manager in XXXX that no pending wires were present on our account. 

Documentation has been requested on numerous occasions from Wells Fargo in regards to the following : 1 ) Call dates/times for the period of XX/XX/XXXX - XX/XX/XXXX in which we communicated with Wells Fargo on the fraud occurring. 

2 ) Text dates/times in which Wells Fargo communicated with us showing when wires were initiated. We were provided information on the wires for XX/XX/XXXX but Wells Fargo has withheld information on the XX/XX/XXXX wire. 

XXXX ) Account documentation reflecting the account being frozen and the date & time in which this occurred. 

This information has been requested previously on the following dates : 1 ) XX/XX/XXXX in the XXXX branch requested with the branch manager. 

2 ) XX/XX/XXXX in the XXXX branch requested in a phone conversation with XXXX & also with the Regional Executive. 

3 ) XX/XX/XXXX - with the Executive Complaints Office employee XXXX, some documentation was provided by XXXX to us but only for the XX/XX/XXXX text dates. 

No further documentation has been shared with us to support Wells Fargo allowing a wire to occur from a 'frozen " bank account. Additional documentation is available from us to support our calls, branch visits and emails with staff at Wells Fargo. 

We have requested in person review of the documents to help us in understanding why Wells Fargo acted in a manner of flagrant disregard, lacking in consumer protection and privacy processes by allowing fraud to continue on our account.
Product: Checking or savings account

Since the shelter in place, I effectively cash checks at Chase Bank, N.A. which are written by my mother, a senior, consumer, and natural person. My mother instructs and authorizes me to use her card and account to handle her business during this time. In XXXX, XXXX, XXXX, and XXXX, I have cashed her check and paid her bills. Today, XX/XX/2020, employees at Chase bank have told me that there has been check fraud during those months. These are checks that were handled at the teller window every time. I feel violated that they made this claim against me, a consumer and natural person, especially when that were given all the information necessary, required, and asked of me every time. The Chase Bank is located in XXXX XXXX, California and is on the corner of XXXX XXXX and XXXX XXXX. The zip code is XXXX. The checks have been made out to " Cash ''. Today, the teller, after claiming that I have been committing check fraud, required that I travel back to my mother so she can write my name on the pay to the order of line. I obliged them only to find upon my return that they require an {$8.00} fee. These claims and requirements are inconsistent and are in violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural, living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they have violated my rights.

I demand the following accounts be removed because according to USC 1681 : I have the right to privacy and I did not give Equifax permission to furnish these accounts. 

Accounts : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

All the way from XXXX to today XX/XX/XXXX First Financial Resources ( FFR ) has been bombarding me with phone calls from multiple phone numbers with an automatic robot call system to collect a dept that I'm not even sure I even have. I blocked all the phone numbers, but they still constantly call me at this point every day and sometimes 2 times a day and leave a voice mail with the same cookie cutter message to try and get me to call them. I made the mistake of answering one of the calls once but something seemed off by the call, it was staticy and no one picked up at all for a good 20 seconds or so, so I hung up after saying stop calling me. After that the phone calls came a lot more and more frequent.
Product: Credit reporting

Submitted evidence of letters to and from creditor, XXXX XXXX XXXX XXXX, to Equifax and XXXX. After initially disputing a negative account on my credit reports with Equifax and XXXX, and being told by each that the account was verified or updated without any evidence or proof of this alleged verification, I was then requested by each bureau to dispute the negative account directly with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has been reporting for over 6 years now an account that shows a zero balance owed but indicates XXXX alleged late payments.I then sent a certified letter to XXXX XXXX XXXX XXXX on XXXX/XXXX/16 requesting verification per Section XXXX, and that it will be a violation of the Fair Debt Collection Practices Act ( FDCPA ) to not provide me proof of such a negative account. For the purposes of 15 USC 1692 et seq., I disputed the validity of the alleged debt and a dispute to the validity of its claims. ( see attached ) I received XXXX separate letters from XXXX XXXX XXXX XXXX in response to my XXXX letter -- XXXX dated XXXX XXXX, 2016 ; and XXXX dated XXXX XXXX, 2016 ( see atatched ) -- each requesting that I provide the burden of proof for the negative account reported to each credit bureau. I replied with a second letter on XXXX XXXX, 2016 ( see attached ). Again, I reminded XXXX that per XXXX XXXX XXXX et seq. it was required by law to provide me signature proof verification and documentation of this reported account. I received a response dated XXXX XXXX, 2016, which was the same form letter sent to me on XXXX XXXX, 2016, with just the date of the letter changed ( attached ). I then sent all of these letters and correspondences to each credit bureau on XXXX XXXX, 2016, requesting each delete the negative account because XXXX XXXX XXXX XXXX failed under the law to provide any burden of proof for reporting this account. I received a response from XXXX dated XXXX XXXX, 2016 ( attached ), stating it " updated '' the account -- even after providing all of the evidence to show that XXXX XXXX XXXX XXXX violated the law and that XXXX was as well by not providing me any verification of proof and must delete the negative account. The same series of responses and correspondences and results came from Equifax ( attached ). I have not heard back yet from XXXX after 30 days. All three legally must delete the negative account or face a small claims action for {$3500.00} each in a court of my jurisdiction -- plain and simple.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I used the " XXXX '' app by the company XXXX XXXX. They advertised in-store coupons for making purchases. I made purchases and had {$41.00} in my wallet. I attempted to withdraw {$25.00} on XX/XX/XXXX and it was stuck in " Pending '' and attempted to withdraw the remaining {$16.00} on XX/XX/XXXX but was unable since the company disabled the Withdraw button. On XX/XX/XXXX the app no longer worked and displayed a " No connection '' error message. I reached out the the CEO XXXX XXXX on XXXX and he blocked me. I contacted the company support multiple times and did not receive a response. I found out that this company was ( secretly ) acquired by a company called " Flexible Finance '', who should be owning this.