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

Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Report. 
Account Name : XXXX XXXX XXXX Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Report.
Product: Consumer Loan

I have been paying Wells Fargo Dealer Services more than the due amount every month. They have unlawfully charged me insurance fees, fees that ONLY cover the company in case anything happens to the vehicle and repossessed my car with no notice. 
Wells Fargo has done everything they can to keep the vehicle. I have been treated poorly by their representatives who are looking at the account and yelling at me like I owe them money, without even looking into the charges. 
No one that can help will speak to me. I have been given the run around and transferred over and over again. The few that I have spoken with have been very rude. 
They have now contracted a third party auction place who is charging me {$1000.00} in fees ( transport fee, storage fee, fee for items IN MY VEHICULE, ect.. to get the car back and is at this point, doing everything they can to keep the car and sell it an their auction. 
They transported the vehicle over XXXX miles away from my residence and expect me to find a way to it. 
You 're better off with a small bank or credit union. Wells Fargo could not care any less about any of their customers as long as they get paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is showing as a real estate loan, and I have tried to contact the company several time to get it removed off my credit report. this has cause be to not be able to be approved from mortgage lenders.
Product: Credit card or prepaid card

I discovered a week ago that my credit card account with Discover has been enrolled in the Payment Protection Plan since XX/XX/2011 or earlier. Charges that I had initially thought were part of the monthly interest were associated with this plan. I estimate that I have been charged $ XXXX {$5000.00} in fees plus additional interest associated with the increase in my balance on the credit card account over this period. 

I do not recall signing up for this service, nor would I, upon reading the terms, ever consider it. I have not been in any type of situation where I was concerned about my job security. To this point, I have not used this product a single time in the 10+ years that I have had it. I believe that the terms were described to me in a deceptive manner, otherwise there is zero chance I would intentionally sign on. 

I do not believe that Discover has made an honest attempt to accurately describe the service or clearly define the terms. Nor have they offered a mea culpa or fair resolution to the matter.
Product: Credit reporting 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  has violated my rights. Or a list of inquiries : 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.
Product: Debt collection

My fed student loans were transfered to Delta Management Associates , Inc . 
back in 2016. I was informed that the only way that I could come out of default was to rehabilitate my loan by making 9 payments. At no time was I informed of the consolidation option. If I was given the consolidation option I would have consolidated my loans and had become eligible for Public Service Loan Forgiveness in 2016. As it stands now, due to not being informed of my consolidation option, I made 9 payments that will not count towards PSLF. Delta Management was deceptive and never gave me all the information I needed to make an informed decision. Of course, I have no doubt in my mind that they will not be held accountable for any of their deception as no one cares that most of us are trying to make ends meet.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX CAPITAL XXXX AUTO FIN XX/XX/XXXX ALLT FINACIAL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX AUTOLAND XX/XX/XXXX NOWCOM/WESTLAKE FINANC XX/XX/XXXX XXXX XX/XX/XXXX CAPITAL XXXX AUTO FIN XX/XX/XXXX ONEMAIN XX/XX/XXXX XXXX CARD XX/XX/XXXX SYNCB/AMAZON PLCC XX/XX/XXXX TD BANK N.A. XX/XX/XXXX XXXX XXXX, NA XX/XX/XXXX XXXX CITY XXXX XXXX XX/XX/XXXX
Product: Debt collection

Dealing with the original creditor, this is a case of identity theft The original creator have the FTC report
Product: Credit reporting or other personal consumer reports

A card company duplicated inquiries to pull from my credit multiple times. Resetting the clock on the debt to remain on my credit report longer. I did not authorize this and by law technically my information was used fraudulently. 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. Every since then I haven't been able to receive credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried four times through the dispute option on all my credit reports to remove 9 ( x 9 ) late reports from XXXX, the XXXX/Gov  funding for college loans from my reports. On my credit report under derogetory information it shows late payments 9 late payments for each account. Ihave been on loan deferment since 2009. On my list of accounts in good standings it shows never been late. I need these deleted so I can find a new apartment and get phone service.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have attached a copy of my police report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) | to support my identity theft claim. Under 15 U.S.C. 
1681c-2, when a consumer files an identity theft report, credit reporting agencies must block any information that the consumer identifies as a result of the identity theft within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : account name : XXXX XXXX XXXX, number : XXXX date opened : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information must remain blocked for one year, at which time I can request an extension of the block. During the block, you will not be able to report that it no longer contains fraudulent information. Several times I have called the bureau reporting these fraudulent accounts on my report and XXXX XXXX and Equifax have not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these charges were eliminated and not verified by other bureaus I don't understand how they usually say that these accounts are mine, that's why I request that they send me all the documentation to verify that this information is true. I have applied for contracts with this company with my information and for over 60 days I have not heard back from them, please help me delete these accounts immediately.
Product: Bank account or service

I opened a small business checking account in 2015 with Bank of America because they offered a {$100.00} signup bonus ( with qualifying deposit ). I made the deposit and did not receive the promotion, so I called in and was told I had earned the offer but it was likely still pending. I waited but still did not receive the offer. When I called in again, they said I did not have the promotion on my account and had no record of my previous call, or of the initial call when I opened my account. Despite presenting them with online evidence that the offer had been active when I opened my account, they refused to fulfill the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since starting services with EVELYN FINANCIAL SERVICES, my experience has been horrible. Due to all the misinformation, and the fact that it has been very hard to reach Evelyn regarding anything on my account. I was forced to do my own research on Credit repair in general, as well as her company. From what I found, I didn't think she could guarantee me any results, nor could she charge my in advance for credit repair ( Here is the website I seen it on, https : //www.ftc.gov/enforcement/statutes/credit-repair-organizations-act ). I was reading this website, and it's looking like I am only supposed to pay for work that was already completed on my credit. This did not happen this way. I paid her {$300.00} up front. This verbiage was pulled directly from her website ( https : //www.evelynfinancial.com/ ) " Service includes the removal of all negative accounts from all 3 credit bureaus that includes car repossessions, tax liens, bankruptcies, late payments, medical bills, collections accounts and charge offs. You will see your score increase within the first 30-45 days and most negative accounts are cleared within 4 months. ". I signed up for her program in XXXX, 2020. That has been WELL over 30-45 days. It has been nearly a year, and I have had little to no progress on my credit file and it has been nearly impossible to reach her at the office. There was one instance where I messaged her to discuss my account, she directed me to the website, and I paid {$10.00} just to have a call with her, and she didn't even show up for that call. At this point, I've done all I can on my end to try to see results, or try to reach out to Evelyn to get help with my progress. At this point, I do not feel like she is doing the job that I paid her for almost one year ago.
Product: Checking or savings account

Kabbage ( XXXXXXXX XXXX XXXX, American Express ) will not close my checking account despite several requests. I must do so over the phone and they will not give me a confirmation number. 

I called on XX/XX/2022. 
Again on XXXX XXXX XXXX after receiving a XXXX  Statement. 
Again on XX/XX/2022 after receiving yet another XXXX  Statement. 

I understand from other customers ' experience that sending a registered letter has no effect. 

They have now locked my account. It has funding of {$0.00}. They would not transfer by XXXX to a linked account. They said they would send me a check, all three times I called. 

While only {$0.00} for me, I understand I am far from the only one being unable to close an account. 

I was also made aware of a fraudulent transaction on my XXXX XXXX XXXX on XX/XX/2022. I was made aware of this by email by XXXX. This would be on a debit card I never received or activated, and my online account reflected the lack of an active debit card. This raises so many questions and red flags.
Product: Credit reporting or other personal consumer reports

The following accounts are reporting erroneously on my credit, I have already contacted the bureaus and started formal complaints but so far I these items have not come off my credit. The accounts are as follows : XXXX of XXXX XXXX {$0.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX  XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX {$500.00}
Product: Credit reporting or other personal consumer reports

I would like to dispute an item stated as late payment on my consumer report for Discover account and my " closed '' XXXX XXXX XXXX account. 

In accordance with the Fair Credit and Reporting Act, these creditors have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy. 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card accounts under an open end consumer credit plan as late for any purposes. 

Thank you
Product: Bank account or service

So I was just buying things in ebay with my debit card and when I bought things it said that it that the payment was unsuccessful and when I looked in my purchase history it said that I had bought it, I contacted the sellers but no response yet ... .Did I lose my money for nothing?
Product: Checking or savings account

I opened a checking account with Citibank on XX/XX/year> and my account access was blocked for no reason on XX/XX/year>. I called the customer service a couple of times and got no productive response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform the CFPB of the bad practices TransUnion XXXX XXXX XXXX XXXX XXXX those companies has violated my rights by sharing my personal information without a permissible purpose in allowing third party companies pool my consumer credit report I have posted a freeze in 2021 on all credit bureaus until present day those companies steel passing around my personal private information illegally conducting and verifying information without no permissible purpose. they have conducted investigations in those informations come back verifiable I have asked those companies to provide me with this certification application documentation signature showing my permissible purpose I am requesting that verification I'm the following companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( negative {$700.00} ) The company XXXX XXXX bank has posted late payments on my consumer credit report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This applies to all the companies mentioned above provide me with that verification application signature that I gave permission. You should have those documentations unfiled. If for any reason you can not provide me with those documentation have those items delete it from my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I requested a credit line increase for my XXXX XXXX XXXX card. The system did a hard inquiry on my credit without my consent. 

If I knew that XXXX XXXX would do a hard inquiry, I would not have requested a credit line increase. I have worked with XXXX and XXXX XXXX for credit line increase. They clearly communicated to me regarding what type of inquiries they will do before they approved my credit line increase request. In case of XXXX XXXX XXXX card, the website asked me to enter an amount for my credit line increase request and when I pressed next button, it automatically did a hard inquiry without my consent. It was a surprise to me and my wife. 

I tried to work with their customer service several times but they were not helpful and said they can not do anything to help me. I am a first time homebuyer and I can not afford to have this hard inquiry on my credit report. I did not consent to this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX with 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I deposited money on Gemini months ago so did a lot of people I went through the sign up process very smoothly providing all the necessary information they allowed me to deposit money on the account and it has been months that they have had my money well now that I want to withdraw they are holding my funds HOSTAGE this is happening to thousands and thousands of people there is even a XXXX post about this specifically they say " you account is pending verification '' But that doesn't make sense since I was able to deposit on the account and it has been MONTHS since I have deposited They are holding my money hostage and not giving it back I looked on the app for a solution, there were none. there is no information about why an account may have troubles being verified. 

countless people are experiencing this additionally I went to email the support about this problem. I tagged them in a tweet and DMd them on XXXX  they have not responded to ANYTHING their customer support is an absolute disgrace. this is one of the most important types of services known to man which is handling money. you need to be vigilant and responsive they are avoiding all contact and weaseling out of paying people back their money
Product: Debt collection

multiple unauthorized inquiries on my credit report. 
Wakefield & associates XXXX $ XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$460.00} XX/XX/XXXX Wakefield & associates XXXX {$520.00} XX/XX/XXXX Wakefield & associates XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection account with XXXX XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove the collection from my credit report and they did but now I just received a copy of my credit report and the collection is back, I called Experian and they told me they will remove it again but nothing has been done. Please remove the collection account from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/24, I sent a dispute letter first class to Equifax informing them that there are some unauthorized inquiries on my credit report. Furthermore, my information was compromised in the Equifax data breach in which I provided my claim Id. I have since submitted a FTC report to report this. I received correspondence from Equifax stating that I needed to submit my dispute online and provide the confirmation number given along with my identification, which I think is a stall tactic because I already submitted proof along with my identification. I am attaching my dispute letter as well as my claim ID along with the confirmation number so that Equifax can proceed with removing these unauthorized items caused from their data breach from my consumer report. These inquiries are to be removed from my credit report within 14 days, or I will have no choice but to pursue legal action against Equifax as I have this right as a consumer.
Product: Credit reporting 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 XXXXXXXX XXXX XXXXXXXX {$120.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4500.00} I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are suppose to 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: Debt or credit management

I have a memory loss so I really do not remember the date that this occurred but the year is 2019 Some one put a fake check from the XXXX banks I had at the time.One of the bank saw that it was not me and call me into the offices so we got ever thing clear.The other bank just close my account and my kids accounts and say i own them. I never did any fraudulent stuff and they did not want to help me so every bank I go to they deny me at every bank.I want to get this clear off my ssn and name because its not fair to me or my kids because some one put fake checks and my accounts.