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

This goes back to my previous complaint ( ID : XXXX ). After reviewing company 's response letter, I tried to call the phone number of that contact person but it always goes directly to voicemail. Besides, there has been no update regarding return my initial opening balance {$1000.00} back to me. Just to re-quote my previous description " I opened my account with TD through an online promotion webpage on XX/XX/XXXX and put a direct deposit from my XXXX bank account of amount {$1000.00}. The debit order went through my XXXX bank account and was transferred to TD account. However, since XX/XX/XXXX, I can not have access to TD online banking and was told there was some issue with my new account that I need to visit branch in person. But the closest branch is 3 hours drive and then I asked them to give back my {$1000.00} money. They refused and said I can not get my money back without visiting in person. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report after receiving a call from a debt collector that I'd never done business with. I believe my info was a part of the Equifax data breach awhile ago and someone has got my information and using it to open multiple accounts in my name. I filed a police report and an identity theft report. I also sent my ID, social, bank statement showing my address and all pertinent info to all 3 credit bureaus and they still have not removed the items I disputed as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This relates to : XXXX I was seriously considered when this company review my case. Well after the security breach at XXXX that exposed my credit profile yet again, I have requested with follow up the removal of the hard inquires on my credit report. The XXXX breach allowed other attempts o my and millions of other Americans Profile with the past year. I Believe if CFPB can not compel Experian to remove these items I will have no choice but to escalate to court of law. I make no empty threats as I have done so in the past. ( see XXXX )
Product: Credit card or prepaid card

Bank of America withdrew more than {$1000.00} from my bank account despite having a {$0.00} credit card balance. Bank of America then gave my {$1000.00} plus dollars to the State of New Jersey. Bank of America refuses to withdraw monies from my account when there is a balance and simply cancelled my credit card.
Product: Debt collection

XXXX- Stellar Recovery is trying to collect a debt I do not owe them for services I have never order from them. They assigned my SS number to someone else account by mistake or deliberately. I understand they want to collect over {$600.00} USD from me I have try to clarify this issue and now they want me to make a police report on identity theft and I will do so to keep them from damaging my credict.I just feel a victim myself of this company in their quest to make profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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
Product: Credit reporting or other personal consumer reports

I have asked them to remove accounts of debt on my report that I have no knowledge of I have also asked them to prove that those are my debts And all of her was they investigated and it came back proven, but they havent showed me anything
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/Charge off : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Personal Information : XXXX : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Previous Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Previous XXXX XXXX es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous XXXX XXXX es ) : XXXX XXXX AV XXXXXXXX XXXX  XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Also Known As XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX DIST XXXX, CA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  XXXX card that has XXXX on it i believe is the limit for some reason it is not showing up on my XXXX XXXX. it always did before. I just want my age of credit and my age to not be effected. unsure as to why it is not showing maybe XXXX XXXX is fixing something. I did speak to XXXX XXXX they said everything was good. So what I am asking for is that my information on this card be resent to all credit company reporting agencies. This is as of XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries on my credit report that I do not recognize. A few months ago a hard inquiry from XXXX XXXX was mistakenly placed on my credit report. I strongly believe the inquiries are on my report without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of a bankruptcy on my Equifax credit report due to Civil Case No.XXXX. I did not know the source of your information of this bankruptcy and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy as it is adversely affecting my credit. Previously, I requested such removal and I have also attached to this complaint a dispute letter from the company XXXX confirming the results of their Reinvestigation. For your review, I have attached a copy of the results to this complaint.The U.S. Bankruptcy Court also confirmed that they do not report any information to the credit bureaus  including my social security number which is needed to correctly verify any accounts on my credit report. Since this is a request and not a dispute, I would like to receive confirmation that the bankruptcy listed on my credit report has been removed within 15 days of the receipt of this complaint. Your attention to this matter is greatly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Equifax credit report is fraudulent, unauthorized and not mine : XXXX, XX/XX/2018, XXXX XXXX   XXXX, XX/XX/2018, and XXXX XXXX XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a credit card for the company XXXX which is provided by the company " XXXX XXXX. '' Back in XX/XX/XXXX, I submitted an update to have a new checking account added to my profile via the website for XXXX XXXX. The website had technical issues because it never added the account and caused a payment issue. I found out because the company contacted me to say that I was behind on a payment, when I had already submitted it with ample time. The same issue occurred XX/XX/XXXX, I resubmitted via the website to add the new account and submitted the payment for that same checking account and again, XXXX XXXX had the same issue. So, they then needed to add the account manually through a supervisor in XX/XX/XXXX. Once everything was finally updated, payments cleared through the account. The supervisor ensured me that due to this NOT being my fault, and it was a technical issue with the website for 2 months in a row, she would credit me the 2 late fees that I was unaware of. I also had asked her if this would be reported negatively to my report and she also assured me, that it would NOT be reported negatively. During this time, I was also homeless so I did not have funds to be financially stable, but I found a way to not only get my account paid but also now I've been sending chunk payments every month as of XXXX and XXXX so over 97 % of the credit has been paid down. Now, that I have access to my credit report as of late XXXX, I started to utilize credit services more and see that the 3 credit bureaus all reflect I am late 2 payments for " XXXX XXXX. '' All of this was of no fault of my own, but even as a homeless man, I did my due diligence to submit my checking account and paid on time every month. This company needs to remove this because their faulty system was the issue and " XXXX XXXX '' was willing to refund me the late fees AS PROOF, that  they were in the wrong. It took them 2 months to get my new account added, and the payment to finally process. They admitted it was a tech issue. This has caused negative impact in my score for years and has hurt me from having better employment opportunities, as well as has hindered me from applying for credit cards or even qualifying for credit limit increases. I submitted about 2 or 3 contacts via mail in form of dispute letters in XXXX, and via phone to have this removed, but the company will not budge, even though supervisor admitted due to website issues, they would give me late fees removed. So, if late fees are removed, why is it still reporting late to the bureaus? Doesn't make sense. Please have them remove from all 3 credit bureaus asap as I'm fixing my credit of inaccuracies in order to buy my 1st home soon. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a report with XXXX  about how I can recover from being a victim of identity theft I pay ALL my bills on time and always been a person that I considered to be a reasonable person as well. I filed a police report and was only provided with a report number the XXXX XXXXold me to file a complaint because If I'm gon na file a lawsuit I'm going to need it. I here asking for help because this matter have been destroying my life and now I'm ready to fight back because It seem like the more account the credit bureau have on your file the more money they will make but in the presses it's destroying American citizens lives. I am also submitting my idenification card to prove my idenitity along with my XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


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: Consumer Loan

I 've had excellent credit history and the only late mark on my credit is from Wells Fargo for a misunderstanding. I signed up for auto pay through their website for my payments to come out each month directly from my checking account. But, I must have misssed some fine print about it taking a few days or weeks to actually set up and that my vey next payment would not come out through auto pay. When I received a call from Wells Fargo on the 30th day of being past due I was extremely shocked and asked the representative calling to please make sure this does not affect my credit. I let him know that I was set up on auto pay and he asked if I saw the fine print and/or noticed that a payment had not come out yet and I answered no I signed up and I thought I was good to go. I immediately asked if I could make XXXX payments right on the phone with him so I could actually be a month ahead and never worry about being late again. He accepted my payments and said he would work on making sure it would n't report late on my credit. I left it at that thinking I was all squared away for the misunderstanding which occurred between XX/XX/XXXX and XX/XX/XXXX. A few months later ( around XX/XX/XXXX ) I was applying for a refi for my mortgage and was asked about a 30 day late that was on my credit. The 30 day late mark on my credit actually hurt my chance of receiving the best mortgage rate. I called Wells Fargo and spoke with a supervisor XXXX who said there was nothing that could be done. There is no going back after they report a late payment and I would have to deal with it, that there is no one that I could speak with for this issue. I called back a month or two later and spoke with a female representative that also claimed the same thing XXXX did. So I asked to speak with any supervisor other then XXXX. A gentleman ( I do n't recall his name ) came on and was very kind, said I could request in writing and send it in via fax. Be ask s me to give it two weeks to a month for the department who handles reporting on credit bureaus to review and see I paid well for a year now and may remove the late payment mark. I did just that. I asked kindly in a letter to please see I 've actually paid well and an entire month ahead in payments for the year to prove it was truly a misunderstanding. An entire month later I receive a letter not acknowledging anything on my letter but that there records are correct and no chance will be made on my credit bureaus.
Product: Student loan

1. Mohela is not following the agreement I signed upon gaining my student loans since inception ... The INTEREST ACCRUAL since Mohela took over the loan is incorrect. It was only supposed to accrue interest until it hit the 10 % mark as per my signed agreement, ( which occurred right before Mohela took over from XXXX ) The interest capitalized on my account is now is WAY over. It should have never gone over XXXX and is now {$210000.00}. 

2. MOHELA appears to have been improperly tracking and applying your student loan payments- the corrections made have not corrected the balance. As an example, I was charged an extra charge in 2012 for a leap year day that did not exist since they compound interest daily and charged me 366 days at the 365 day rate. I overpaid by roughly {$20.00}, which is then continuously compounded through the life of the loan. More importantly, this continues to show that they are not tracking the loan. 

3. I would like to know the status of my forgiveness date and how many eligible payments I have made to qualify me for the XXXX program as well as full paperwork on the exact terms of this forgiveness program. 

4. Is there anyway I can move to working with another program as I do not trust Mohela nor do I believe they are doing a correct/efficient job for the Government nor myself.
Product: Credit card or prepaid card

I applied for a credit card on XX/XX/2021 with Wells Fargo Credit Card they sent me a letter today XX/XX/2021 that they could not verify my identity and that I would call them. They asked me for my date of birth, my address, my last 4 of the social. They answered me that they could not verify my identity and I had to apply again without asking other questions without asking me for any information to verify my identity, only that I would apply again as if that would not affect my credit. So I asked to speak to another person who refused to help me. I am being discriminated against for being XXXX, I told that person that I had had a mortgage with Wells Fargo and he told me that they did not care, I told him I had XXXX on the credit score and that he had not denied the application, they only had to verify my identity and hang up the call. They want me to apply again I don't know with what intention since the credit is excellent and they did not deny me the card their excuse is that they can not corroborate my identity but they do not give me alternatives to do it I feel discriminated against because of my XXXX  they treated me like XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  continues to report false balances and dropping my score. They apparently removed ALL Help links so I can no longer question them about what they are doing.
Product: Credit reporting

I owed XXXX XXXX {$230.00} front a charge off account on a secured card. I called and paid them. The amount of {$230.00} which includes processing fee taken out of my account on XXXX XXXX 2016. To dated municipal credit card have nut updated my account and when I disputed up with equifax they came back with verification saying that they are reporting correct. In accordance with the FCRA I am requesting that the XXXX be removed on all of my credit report in accordance with the new york state law 5 year deletion law.
Product: Checking or savings account

On XX/XX/2023 I filed a claim with U.S. Bank to report a fraudulent transaction on my checking account. The fraudulent transaction was for {$3300.00}. 

On XX/XX/2023, instead of reversing the fraudulent charge, I discovered that U.S. Bank accidentally reversed a paycheck deposit from my employer for {$3400.00}. After speaking with U.S. Bank on XX/XX/2023, they realized they must have mixed the transactions up. 

Because of these 2 issues, I am currently missing {$6800.00} from my account, and have almost nothing in my account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I beg you please remove this from the credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I noticed a late payment had been inaccurately reported to XXXX by Affirm Financing. I sent a formal letter to Affirm Financing and XXXX explaining the error on my credit report and included supporting documentation as exhibits including original purchase confirmation email, original payment receipt, and the additional payment receipt, bank statements, and transactional detail. Affirm did not respond to my letter and XXXX failed to perform a reasonable investigation. On XX/XX/2023, I sent a second notice to XXXX 's legal department and nothing was provided in writing as required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, AND EQUIFAX ARE REPORTING FRAUDULENT  ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS.

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: Checking or savings account

Wells Fargo shipped my card out, and I explained to them that I had lost my wallet with my debit card and that I hadnt even used the actual debit card yet, I use mobile tap. I had over XXXX dollars stolen from my account. I immediately disputed those unauthorized atm transactions. I also received numerous of emails on that day saying that more money was trying to be taken out but It declined. I also told them I believed that my account has been entered by someone without my permission because there were changes to my account that I did not make. They told me to change my password and I did but yet nothing had changed. Wells Fargo was responsible for moving money from my savings to my checking account randomly and its happened a couple of times. And then I would be charged by something, either a fee or a subscription. 
On XX/XX/2023, XXXX $ was taken out of my account piece by piece at an atm. By time I noticed, I locked my card but my money was already gone. What did they do? Nothing. They say they investigated it in XXXX business days but really they do absolutely nothing and just wait until a day or XXXX before the XXXX day to tell you your claim is denied because they are the most absolutely worse bank there is and they dont care about there customers!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. Bankruptcy Dismissed Ch XXXX Acct XXXX, XXXX, XXXX ( XXXX, Equifax and XXXX ), XXXX XXXX Acct XXXX ( Equifax, XXXX, XXXX  ), XXXX XXXX Acct XXXX ( XXXX, Equifax, XXXX  ), XXXX  XXXX Acct XXXX ( Equifax ), XXXX XXXX Acct XXXX ( Equifax ), XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( equifax, XXXX  ).