23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX my air conditioner died. We were experiencing a heat wave, so it was an emergency. I called the new AC company I had just started using.

They came out to troubleshoot my AC unit and found that it was leaking coolant and because it was 16-18 years old, the parts for repair would cost at least half of what it would cost me to replace the unit with a new AC. 

The AC company offered interest free financing through Wells Fargo. I am careful about my credit and have high fico scores, no debt other than a car lease and a low amount left on my mortgage. I rarely apply for new credit but because this new AC cost approximately XXXX, I decided to go ahead and apply. 

A few days prior to applying for the Wells Fargo financing, my identity had been stolen and the identity thief had attempted to open an XXXX XXXX credit card with XXXX XXXX XXXXXXXX. I spoke with XXXX XXXX  XXXX and they let me know they blocked that application. 

I use XXXX credit monitoring and they were able to help me put an alert on my credit reporting with all 3 credit bureaus, which stated I had recently experienced identity theft and credit was not to be extended without first contacting me and my phone number was listed in the alert. 

I told the AC company that I was afraid my application for financing would be affected by the recent identity theft I had reported. They instructed me to call Wells Fargo before applying for the financing. 

While the AC technition was in my home, I called Wells Fargo and told them I was concerned the credit alert I had added would impact my ability to apply for financing. They told me it would not affect my ability to get approved for financing. 

I proceeded to fill out the instant credit application. A few minutes later, a representative from Wells Fargo called my cell phone and asked me if they had my permission to verify my identity by texting my cell phone and I agreed. They stayed on the line until I received the code and verified my identity. They then hung up and processsed my application. 

Within 15 minutes of this interaction, I was informed by the AC technition, that Wells Fargo had denied my application and no other information was provided. As a result of the denial, I got a hard inquiry on my credit report which caused my score to decline. I was given no explanation for the denial and no option to correct any issues. 

Finally, on XXXX I received a letter from Wells Fargo that they had dated XXXX. The letter stated that Wells Fargo had been unable to authenticate the identity of the applicant ( me ). 

Wells Fargo lied to me about my identity theft alert not affecting my ability apply for financing with them. Wells Fargo denied me credit claiming they " could not authenticate identity of applicant, '' even though they successfully called me to authenticate my identity over the phone, at the time my appllication was submitted. 

Wells Fargo caused a hard inquiry to hit my credit report which resulted in my credit score declining.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB  complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair credit reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/2023 my email and password was hacked. The thief used this email/password combination to attempt access to all my accounts ( social media, banks, etc ). I was alerted to this due to the multiple two factor authentication texts and emails I received in the morning. The thief was able to access my XXXX account and make purchases on XXXX. I immediately called Chase Bank to report fraud on the credit cards which were stored on my XXXX account and I was issued new cards. One month later, Chase sent me a letter saying I am responsible for these charges because " my email is associated with this XXXX account, thus I am responsible for these charges ''. They also said XXXX deemed it a valid transaction from my account despite me reporting it as fraudulent to Chase Bank immediately after the transaction occurred. I was able to get in touch with XXXX and they agreed to send me an email acknowledging it is an unauthorized transaction so I can dispute it with the bank but are unable to provide a refund because the system will not allow it. The Bank has pushed back and said they are unable to do anything because XXXX said it is " unauthorized '' not " fraud ''. I also provided two factor authentication emails I received from my social media accounts on the same date showing my accounts were hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'm having an issue with Equifax about late payments on my credit report. Equifax is showing that I have five late payments and both companies are stating that the information is incorrect. XXXX XXXX XXXX XXXXXXXX XXXX also give me an XXXX number ( XXXX ). This problem has been going on for about XXXX months now. Also, I have more ( XXXX  ) numbers ( XXXX ) & XXXX XXXX XXXX XXXXXXXX. The second company name that's reporting late payments is XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Received written letter due to the receipt of a ONE day " late '' payment. I have scheduled bill pays of the debt owed and moved the XX/XX/XXXX payment ( XX/XX/XXXX ) to align with my pay day ( XX/XX/XXXX ) and received a letter dated XXXX. I find this to be very aggressive and unnecessary, when XXXX bill has a grace period. 
The main reason for arranging the bill pay was because of the horrible communication tactics with the representative and then the deceit of the amount owed submitted to the court. 
When I received the original communication in XX/XX/XXXX, it stated to contact the office before legal action was taken ; I did that and the debt collection agency still pursued court action ... it was until meditation that the court fees were waived and the verification of XXXX payments were presented. Of the XXXX payments, the first payment was n't noted on the account. Then after that, there were about XXXX versions of the agreement that had errors after errors, in which it was " expected/demanded '' for me to sign as if it was such an urgency ... 
At any rate, I ca n't wait until these next XXXX pre-scheduled payments have been received and I pray I never had to deal with this debt collection agency again in my entire life.
Product: Money transfer, virtual currency, or money service

Paypal allowed me to transfer money from my banking account into my Paypal wallet on XX/XX/XXXX, but refuses to let me withdraw that money, even though it was an accident to transfer the money into the account. 

Paypal claims my account needs more information, yet that clearly did not stop them from accepting the transfer into the account. I just want my money back in the original account that initiated the transfer. 

After reaching out to Paypal on XX/XX/XXXX, asking for a refund of the transfer, the customer support agent informed me I needed to wait XXXX  months for the money to be returned. I did not receive the money then and still have not received it back, it is still in my digital wallet. 

Of course, the message center did not store the historic communications and seemingly only recently expanded their retention policy to 3 years starting XXXX, XXXX.
Product: Mortgage

My lender is stating that my home has been foreclosed on but they are in the process of buying it back and they are also stating that it is in the process of being foreclosed on again. They will not discuss any modification options with me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed an inquiry from Bank of America on my credit report that I did not authorize. I have not applied for any credit or services from Bank of America that would justify this inquiry. This unauthorized inquiry has negatively impacted my credit score.

After discovering the inquiry, I contacted Bank of Americas customer service department on [ insert date ] to dispute the inquiry and requested its removal from my credit report. Despite my request, the inquiry remains on my credit report, and I have not received a resolution. 

I am asking that Bank of America remove this unauthorized inquiry from my credit report and take steps to ensure that my credit is protected from further unauthorized actions.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful nonco
mpliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Money transfer, virtual currency, or money service

two wire transfers were done yesterday and neither one is in my coinbase account yet Pending ACH Debit ORIG CO NAME : COINBASE.COM/BTC CO ENTRY XXXX SEC : WEB IND ID :  XXXX ORIG ID:XXXX Link to more information in a new browser window. {$5000.00} Pending ACH Debit ORIG CO NAME : COINBASE.COM/BTC CO ENTRY XXXX SEC : WEB IND ID : XXXX ORIG ID:XXXX Link to more information in a new browser window. {$5000.00}
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe XXXX to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

We went to court and we had the receipts on transmission and how they weren't trying to cover the warranty. Basically leaving us having to get another car and still have to pay a car note on a car that wasn't working. It was ruled in our favor. today I get an alert and it's about them trying to get money that is not owed to them.
Product: Mortgage

BSI Financial has not paid my city taxes -- the money is sitting in escrow. I was not aware, obviously, until I received notice from my city tax office that a lien has been placed against my home. I have made two calls and gotten zero action. I can't get in touch with anyone with any authority to address the matter. This organization is apparently horrible -- one star ratings and a class action lawsuit. My loan was sold to them so I had no say in the matter ... that I'm aware of.
Product: Credit reporting or other personal consumer reports

I have a current mortgage loan with XXXX XXXX XXXX I am current for all payment, I haven't missed any payment at all. XXXX XXXX XXXX  number is XXXX the address of the property is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

We have received a defective notice of the XXXX  initiation on XX/XX/year> and recording from the XXXXXXXX XXXX  XXXX and their XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

We tried to reach them unsuccessfully, they never filed any declaration or statement with the recording and falsely stated that it is exempt from declaration due to any unknown XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX model was smashed into while I was towing it during a move from XXXX to XXXX XX/XX/2018. My Vehicle was then declared totaled by XXXX my insurance carrier in XX/XX/2018. XXXX worked with XXXX XXXX ( at fault drivers insurance ) and Nissan Financial from XXXX toXX/XX/2018 to determine the payout amount. In XXXX XXXX paid Nissan Financial aka NMAC close to {$11000.00}. I didnt have GAP insurance so I had to pay the balance about {$1600.00} to NMAC in XX/XX/2018. The vehicle is paid off XXXX balance. NMAC is reporting a missed payment on my credit report in XX/XX/2018. I have disputed it with all three credit bureaus numerous times with negative results. I have called NMAC and they refused to change it on my credit report. Im a XXXX Veteran and I can not use my VA loan to purchase a home in XX/XX/XXXX because this one missed payment error destroyed my credit score.  Please help me with correcting this error and have XXXX take it off the three credit bureaus. Thank you.
Product: Credit card

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Case XXXX To Whom It May Concern : This letter is in response to the above referenced case. I would like to reopen the case and continue the dispute. The merchants name is XXXX XXXX XXXX XXXX XXXX The date of the transaction was XX/XX/2023. The amount of the dispute is {$470.00}. 

My response is that the hotel charged this VISA card without my authorization. The hotel reservation was made with a XXXX, thus any issues with the reservation should have been charged to that card. I did not authorize access to this VISA card. 

On the attached reservation, it clearly denotes XXXX. I called the hotel to discuss the issue on XX/XX/2023 at XXXX where I also disputed the charge with them. I also called Capital One to discuss, but it hadnt cleared. On XX/XX/2023, I proceeded to dispute AGAIN with Capital One and the representative informed me that the merchant indicated that Id authorized the use of the VISA and I did NOT. The card was charged on XX/XX/2023 and I had no contact with the merchant until XX/XX/2023 ; which would indicate that I did not give prior authorization. 

The attached documentation clearly indicates that this reservation was made with a XXXX, and it also includes the hotels cancellation policy. It is included on this correspondence, per your request. 

The merchant had NO right to assign any fees, charges, or other for THIS RESERVATION to this VISA card. 

I look forward to your favorable response. 





Thank you,
Product: Credit reporting or other personal consumer reports

TRANSUNION, XXXX is breaking the consumer law pertaining to account XXXX XXXX XXXX XXXX XXXXXXXX I've uploaded documents I need this corrected immediately PAID AS AGREED OR DELETED and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. 
XXXX XXXX CARD HOLDER
Product: Payday loan, title loan, personal loan, or advance loan

Sequium asset group put a collection on my account that needs to be removed. I never received the work that western dental is trying to get paid for. Insurance covered basic procedures and I still have my teeth they never fixed them or took out my wisdom teeth. They financed stuff they didnt do. This needs to be removed from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

No action taken by companies see attached
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$5300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

I am have an FHA loan and I have been late paying my mortgage for XXXX and XXXX. I was trying to pay the past due balance of both XXXX and XXXX but I didnt realize I needed XXXX more dollars in my account and there was not enough funds to cover. I called them today XX/XX/year> to let them know. Now they are making me pay for XXXX, XXXX and XXXX all together in which I do not have XXXX yet but will soon. Meanwhile. Im afraid that my house will go into foreclosure because they refuse to accept my XXXX and XXXX payment. Im a single mom, just graduated from XXXX school and starting my job as an XXXX and this company has not helped me in any way when I tell them I need assistance it wont even accept my payment that I do have. It cant be legal what they are doing. Ive had so much trouble with the Kentucky Housing corporation.
Product: Credit reporting or other personal consumer reports

Barclay ban allowed someone to apply for an XXXX XXXX card with my personal information on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information on my credit Report Ive been notifying/disputing with Equifax for over a year and a half now multiple times and Exuifax is still reporting the 2 inaccurate accounts on my credit report : Name : XXXX XXXX XXXX  Account number XXXX, has violated my rights. 

XXXX and XXXX has both done an investigation and Deleted the two inaccurate accounts above off of my credit report but Equifax is still the only Credit Bureau that is reporting the accounts inaccurate. Its is an violations under the FCRA to report inaccurate information on an person credit report and I demand that Equifax Delete the Two accounts immediately off of my credit report because they do not belong to me ( Name : XXXXXXXX XXXX XXXXXXXX Account number XXXX ), has violated my rights. 

Im fed up and Im on my last leg i will sue Equifax if they dont removed the two inaccurate accounts off of my account immediately. 

Thanks