23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a XXXX Credit Card with US Bank with a FICO score of XXXX and wasrejected and I have been treated very unfairly by the bank..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX  XXXX. add a hard inquiry on my credit report. The company 's response is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove these items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$55.00} ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Bank account or service

I recently filed several transactions with PNC Nank, N.A. as unauthorized transactions ( ATM withdrawals and POS purchases ) .. The disputed transactions were filed by me sometime on or around XX/XX/2017 through XX/XX/2017. On XX/XX/2017, PNC Bank denied the majority of my claims ( with the exception of two dispute charges where one was provided a final dispute credit and the other was provided a provisional/temporary credit ) for my disputed unauthorized transactions totaling approximately over {$1000.00}. PNC Bank 's reasoning for denying my claims is because the person who allegedly made the ATM withdrawals and/or purchases " kind of looks similar '' to me. I requested the documents and or photos that they received in making this determination to deny my claim and an employee ( XXXX ) from PNC Bank 's Executive Clients Relations department REFUSED to provide me with these documents and photos of allegedly me initiating these unauthorized transactions which is a breach of our contract ( account agreement ) and a violation of the Electronic Funds Transfer Act ( EFTA ) and/or Regulation E ( REG E ).
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

I have a lot of hard inquiries that I did not recognize and I didnt authorize. Also, I dont recognize accounts with XXXX XXXX XXXX  and XXXX  XXXX XXXX XXXX I tried to fix it in the past and they persist those account are mine. Therefore XXXX XXXX. I tried to fix the problem with them and had to pay every month for XXXX years
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my frustration and concern regarding the repeated inaccuracies present on my credit report, despite multiple dispute attempts. As a conscientious consumer, I have diligently followed the proper channels to rectify these errors, yet they persist, causing undue stress and potential financial harm. 

It has come to my attention that despite my prior disputes, the inaccuracies remain unchanged on my credit report. This recurring issue not only undermines my confidence in the accuracy of the information provided but also hampers my ability to access fair credit terms and opportunities. 

I want to emphasize the importance of accurate credit reporting, as it directly impacts individuals ' financial well-being. The persistence of these inaccuracies despite my efforts to rectify them is both concerning and unacceptable. I urge you to thoroughly investigate the matter and take prompt action to correct the erroneous information on my credit report. 

Furthermore, I request transparency regarding the processes involved in handling disputes and ensuring the accuracy of credit reports. It is essential for consumers to have confidence in the integrity of credit reporting systems, and the current situation undermines this trust. 

Please consider this communication as a formal complaint and a request for immediate resolution of the inaccuracies on my credit report. I expect a timely response outlining the steps taken to address this matter and the timeframe for its resolution. 

Thank you for your attention to this urgent matter. I look forward to your prompt action and resolution of this issue.
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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section2 : a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States :
Product: Debt collection

I checked my credit and saw the Wells Fargo account for {$96.00}. I called Wells Fargo recovery to take care of the debt owed with a promise to delete the negative trade line from my credit report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered the following unauthorized inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax I did not apply for credit or authorize these companies to check my credit report. These inquires were made without my consent, in violation of the Fair Credit Reporting. I am requesting immediate removal of these fraudulent inquires from my credit reports.
Product: Credit reporting

I 've disputed accounts listed on my Equifax credit report numerous times and the bureau refuses to correct the errors. The other XXXX reporting bureaus has corrected them and even deleted a few from my reports on their bureau 's reports, but Equifax has n't.
Product: Debt collection

Bridgecrest Acceptance Corporation has violated the law and has been deceptive. They did not follow The Truth In Lending 15 usc 1601 and have been lying about the finance charge 15 usc 1605. They are trying to collect cash in a consumer credit transaction with a finance charge involved. I even asked them to validate the debt 15 usc 1692g because in the initial communication they did not and they still have not. I also neve. I have let them know about their violations with a affidavit. They did not rebut the violations but just claimed they felt like they did nothing wrong, instead of thoroughly investigate the matter. Now they are threatening to take my car illegally. So now I will send a last affidavit stating these violations, a exhibit, and a final notice. I just want them to respect my consumer rights and the federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report and discovered several inquiries that I have no knowledge of. 

Because I did not apply for credit with 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 IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or XXXX. I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into all of these named inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is proffered against TransUnion, XXXX, and XXXX for reporting incorrect or unverified information from a account named XXXX XXXX under account number XXXX and or XXXX. I filed a dispute with all credit bureaus and all bureaus verified information as correct/ accurate and denied my disputes. No other disputes are pending and a copy of the consumers smart credit 3 bureau report is included in this complaint to verify said errors. The said errors are as follows : 1. Both TransUnion and XXXX report high balance for this account as XXXX. XXXX reports high balance as XXXX. Both can't be correct. 2. All 3 bureaus report a different date of last activity. TransUnion reports XXXX as XX/XX/XXXX. XXXX reports XXXX as XX/XX/XXXX. XXXX reports XXXX asXX/XX/XXXX. All three can't be correct. 3. XXXX and XXXX reports are missing Date account was closed. 4. Both XXXX and TransUnion report Date of last payment as XX/XX/XXXX. Contrary, XXXX reports date of last payment as XX/XX/XXXX. Both can't be correct and verified as accurate. 5. XXXX and XXXX both report Balance owed as XXXX. Contrary, TransUnion reports balance owed as XXXX. Both dates can't be correct also. 6. XXXX and XXXX both report past due amount as XXXX. Contrary, TransUnion reports past due amount as XXXX. Both amounts can't be correct either. 7. Both XXXX and XXXX are missing last date verified. 8. XXXX report says date of last payment made was XX/XX/XXXX. Contrary on same report under 2 year payment history calendar, it shows last payment made was on XXXX. 9. XXXX report says last payment made was on XXXX. Contrary on same report under 2 year payment history calendar it shows in XXXX account was 60 days late. 10. Both XXXX and XXXX payment history completely differ. XXXX shows in XX/XX/XXXX account was o.k.. XXXX shows in XXXX 60 day late. XXXX shows 30 day late in XX/XX/XXXX and XXXX shows 90 days late in XX/XX/XXXX. XXXX shows 60 days late in XX/XX/XXXX and XXXX shows 120 days late in XXXX. XXXX shows 90 days late in XXXX.and XXXX shows 120 days late. All mismatched information.
Product: Checking or savings account

My Son XXXX XXXX XXXX is using my information to open bank accounts in my name because he owes IRS over XXXX XXXX dollars in back taxes. Pinnacle Bank in XXXX NC is allowing XXXX and XXXX XXXX to use my personal information. I did not authorized Pinnacle Bank to open or use my personal information.
Product: Credit reporting or other personal consumer reports

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 

3. Contact Information : My main contact number is : XXXX XXXX XXXX. I would like this number to be updated. 

4. Date of Birth : XX/XX/year> : ( XX/XX/year> ) 5. Employer : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now
Product: Payday loan, title loan, or personal loan

XX/XX/2022 I requested an installment loan from Lendumo. Over the phone a loan agent, seemingly trying to move through the process quickly told me the loan would be funded the next business day. He took my banking information and personal details over the phone. On the next business day I didn't see the funds and called to find out what the issue was. 

The new agent told me the bank account on file was incorrect ( there was one full digit in there that was off ). This was surprising to me as the agent on the phone from XX/XX/XXXX hadn't bothered to confirm or repeat the banking account number to me. Since I was reading off of my online account, I'm sure I told him the correct numbers but he entered one extra digit. 

I was told that Lendumo would reach out to my bank to have the funds sent back to them, at which point I could update my banking information and received the funds. 

I checked back frequently and was told I'd have to wait until they were able to complete their investigation. After a few days of no communication I called and was told they couldn't get anything done because they weren't able to find my bank 's fax number. I googled it ( using the internet ) and sent it to them immediately. After a few more days of no communication I contacted them again and was told that the investigation was being investigated by their QA team and would take some more time. 

On XX/XX/XXXX I received another message asking me for a bank statement as proof that I had not received the funds. I had sent my bank statement to them already on XX/XX/XXXX as requested but for some reason they needed to see it again, not sure why. 

Later on XX/XX/XXXX I received this message from Lendumo : " This email is being provided as a service through our recent discussions about your account. Unfortunately, the retrieval of the missing funds has been unsuccessful. A submission for call review of the Verification call on XX/XX/2022 was submitted to our Quality Assurance Team. Upon further review of that call, our Quality Assurance Team confirmed that the bank account that is on file is the same bank account number that was verified by XXXX XXXX. Unfortunately, at this time we will need you to provide an official bank statement ( not a screenshot ) from your bank from the dates of XX/XX/2022 to current. Until we receive this information we are unable to transfer your loan to the correct department. Please contact us once you are able to provide us with the requested documentation, so we may further assist you. '' It's never a good idea to take out an expensive installment loan but I was in desperate need and now because I didn't receive any funds the situation is even worse and I'm being told I'll be responsible for the loan I never received. Ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an XXXX XXXX XXXX account. This is an fraudulent account being reported. I had no contractual agreement for this account or a contract I signed. This account needs to be removed as fraud.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern There is data on my consumer report that is a result of identity theft. I did not provide XXXX explicit written permission or instruction for identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked AND deleted. My request to block is not being made in error ; nor is my request to block being made based on 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 a consumer. 
XXXX | XX/XX/XXXX AVANT | XX/XX/XXXX XXXX XXXX EMPLOYEE | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX | XX/XX/XXXX You are required to do what I am asking, delete 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 XXXX ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$8500.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$560.00} XXXX APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX fixed error of bankruptcy on my credit. Sent me a letter that it was to be removed and stated it sent this information to experian to update. This was on XX/XX/2020. It is now XX/XX/XXXX and experian refused to remove. Stating that they confirmed with XXXX that it is to remain. This is incorrect because XXXX has already removed it from their reporting. Experian has received several letters from myself and XXXX and is also stating they never received the letters. Experian, XXXX XXXX, and XXXX are all over the fair guidelines.
Product: Credit card

XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 I am submitting this complaint to express my serious concern over the handling of a fraudulent transaction on my Wells Fargo credit card, which I believe has not been investigated diligently or rectified appropriately. 

On XX/XX/2023, an unauthorized transaction was posted to my credit card account. This transaction was not made by me ; nor did I authorize it. By the time was I was able to thoroughly review my bank account ( 6 different business accounts, and 4 different credit cards, all with multiple big ticket transactions daily ) It was XXXX, Almost 2 and a half months later. My accountant had requested that I help categorize a out of place transaction. Immediately I realized that I had been stolen from. Upon noticing the fraudulent charge, I immediately notified Wells Fargo and disputed the charge. 

Shockingly, Wells Fargo 's subsequent communications were significantly lacking both detail and transparency. I finally received an actual letter from wells fargo on the XXXX of XXXX. Their response letter did not contain the claim number, nor did it reference the fraudulent transaction under dispute. These omissions obstructed my ability to understand the status of my case and added unnecessary confusion to the situation. And even more confusion has been added now that wells fargo has changed my account number, yet placed the previous fraudulent transaction once more on the new account with now a new date, the XXXX of XXXX. Now without any access to a claim number, I am denied any help from wells fargo customer service, because my transaction in question is different and on a different account number. I am completely in shock with the pure lack of empathy or communication from wells fargo. 

At the conclusion of their initial investigation, I was informed that the investigation was complete, and that the disputed transaction was determined to be authorized by me. This perfunctory, impersonal communication gave an impression of the matter being treated dismissively. It seemed as if the letter was hastily copied and pasted without due regard for my specific circumstances. I was decleared responsible for the payment of this unauthorized transaction and my case was closed. 

As per the Fair Credit Billing Act ( FCBA ), a federal law designed to protect consumers from unfair billing practices, I have the right to dispute unfamiliar charges and expect a thorough investigation of the matter. Wells Fargo 's conduct in this situation appears not only unprofessional but possibly non-compliant with the act 's mandates. 

I kindly request your intervention in ensuring that Wells Fargo adheres to all FCBA stipulations during their reinvestigation of this disputed transaction. 

Thank you for your prompt attention to this matter. I trust that you will oversee that this matter is resolved swiftly, respectfully, and with full observance of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not satisfied with my complaint that got closed. Transunion did the do the accurate job when investigating a dispute. My prior complaint XXXX-XXXX. I wanted valid proof sent to me that is required under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is against plaza services LLC. ive emailed them multiple times and called them. they refuse to return many of my emails. theyve only answered their phone once whenever i called and have only answered a few emails. i tried sending them emails to settle the account with a settlement amount but to no avail. i want this off of my credit report and they refuse to work with me. how can i work with them if they never answer the phones or emails. willl be contacting NC DOJ soon about this matter if they dont comply