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

There are unauthorized inquires on my report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have called transunion about this issue and there has been no resolution. I have no knowledge of these inquiries. 

XXXX XX/XX/XXXX Is also on my XXXX report and nothing has been done about this also.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/year>, I purchased two items at XXXX XXXX using my XXXX credit card and my XXXX XXXX coupon, not XXXX cash. The receipts are attached. The cashier did a post adjustment for my coupon. On XX/XX/year>, I I returned the hand bag, and customer service returned only {$9.00} of the {$15.00} ( {$1.00} sales tax included ). I was told they can not change the computer, so that is all I can get back, and I must have used XXXX  cash, which is now lost. I did not use their cash on that purchase, but maybe the cashier made a mistake. I wrote and mailed a letter to the XXXX address on the back of my old statement, since I had not received a current statement. The letter is attached. I demand a refund of the missing {$5.00}. My payment by check to the store in XXXX, Indiana is for {$75.00} which is {$5.00} less than the {$80.00} they claim I owe. I will not pay any late fees for this problem I created, and want my account closed with a zero balance as requested.
Product: Checking or savings account

Navy Federal Credit Union unjustly charged my checking account overdraft fees from XX/XX/XXXX through XX/XX/XXXX. In the amount of XXXX dollars.
Product: Mortgage

I have attempted to modify my mortgage that was serviced originally by ASC and most recently with Wells Fargo. I have worked closely with my home preservationists since XXXX and provided 100 % documentation requested. Most recently XX/XX/XXXX I was denied a mortgage modification as it was deemed to be affordable based upon my income. I ailed an appeal by certified mail, Wells Fargo failed to respond. 
XX/XX/XXXX ( and every single year prior, ) I was denied a mortgage modification as it was deemed I did not have sufficient income. I filed an appeal with evidence of additional income by certified mail, Wells Fargo failed to respond.Most recent reponse is Notice of Acceleration. 
I sent a letter by certified mail stating my concern that I believe my denial for a loan modification was in error due to the miscalculation as most recently discovered by the Attorney General in California and in the news. I requested more specific, detailed information regarding my denial wherein within a XXXX year time period I was denied a modification for not having sufficient income and later denied for having sufficient income and not needing a modification. It doesn't make sense. 
What I find extremely misleading is that homeowners are mailed a HAMP package, often times without request, and are optimistic perhaps there is something they can do to save their home, when in fact XXXX XXXX has absolutely no interest in offering assistance. 
I have repeatedly sent certified letters relative disputing parts of this debt and have received written correspondence ( and by phone call ) they are researching my request. However they fail to provide the information requested information and continue the foreclosure process. 
I did receive a trial modification in XXXX believe. I made all three trial payments on time. When I received the final package for modification the documents had my deceased fathers name on them. ( My father was on the original Deed and Note XXXX ) and his income was not used nor was he an occupant when I had refinanced my home in XXXX, he was not party to this transaction in any way. ASC failed to respond to my letters, calls, emails to correct the documents and failed to complete the final modification.
Product: Credit reporting or other personal consumer reports

I was alarmed to find unauthorized inquiries on my credit report today, which I can't explain. My usual routine of checking the report didnt prepare me for these sudden discrepancies. Even after refreshing my browser, the unauthorized entries didnt go away. I'm deeply frustrated and upset by this, and I need the documents I submitted to be carefully examined so this issue can be permanently resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX I never authorized any of these credit pulls.
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 Debt Bondage, which falls under trafficking according to Trafficking-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 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Charge off for XXXX XXXX XXXX XXXX is reporting incorrectly, company reported that I made a payment which I didnt it caused the account to re age, a charge off is not supposed to report after 7 years its been deleted from XXXX and XXXX , please investigate the payment being made I did not make a payment
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$1400.00}, {$2900.00}, {$3700.00}, {$4700.00}, {$2500.00}, {$5200.00}, {$2200.00}, {$2300.00}, {$5700.00}, {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 


-- STUDENT LOANS 4. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

5. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

6. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

7. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

8. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

9. U S DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

10. U S DEPT OF EDXXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

11. U S DEPT OF EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. These two inquiries are not mine. They are National credit card cos on XX/XX/XXXX and XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

i have identified information on my report that are a result of identity theft these inquires do not belong to me 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XXXX XXXX  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 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: Credit card

XX/XX/XXXX I was shopping on Lowes website and when checking out I submitted a request for a special financing promotion. Even though I already had a Lowes Synchrony bank account since XXXX XXXX was given a new account, which I didn't realize at the time. Synchrony subsequently closed the old account on XX/XX/XXXX, which had three years of good status. This error was not resolved when I contacted the service center at XXXX. They could tell me why I didn't receive the increase in credit on the existing account and said since the old one is now closed there is nothing they can do. My credit score has been affected negatively by the closure of 3 year old card and replaced by a new account less then 30 days.
Product: Checking or savings account

Robinhood is preventing me from closing my account and returning my funds to my original funding bank because I take issue with their selfie holding an ID for identification. Note that the restriction to my account was placed only after I funded the account with a second large fund transfer. At this point I merely want to close the account and not do business with them. When I requested for alternative way of verification they told me there are none and that I will not be able to get my money back unless I provide a selfie. Below are the sequence of the events. 


1 ) initial {$1000.00} deposit to Robinhood 2 ) Traded with the initial fund without issue 3 ) Transferred additional fund of {$38000.00} 4 ) Robinhood restricted my account without providing a reason and requested me to send a selfie holding an ID. Complied with all document request except for the selfing. Provided color copies of front and back of driver 's license, social security card, funding bank statements with my address. 
5 ) when I took issue with the selfie and requested to close the account they told me I can not close my account unless I provide the selfie to lift the account restriction. 
6 ) filed a complaint with SEC 7 ) Robinhood responded to the SEC complaint with the same request for a selfie. 
8 ) Replied Robinhood asking how they plan to close my account and returned my fund. 


If a selfie was the requirement to get the customer 's money back they should not have accepted my two inbound transfers at the first place. However to make it a requirement for account closing after funding is in effect holding the customer 's money hostage. 

In light of the recent hack attempts I do not trust XXXX with customer privacy and simply want my account closed and fund returned to the original funding bank. https : XXXX Nowhere in their term of agreement was a clear statement on the requirement for a selfie to close an account. At this point I'm unable to withdraw my fund to close the account due to Robinhood 's insistent for a selfies.
Product: Credit reporting or other personal consumer reports

Please note that XXXX my identify was stolen,. XXXX to current due to XXXX etc. I am requesting and disputing information placed on my credit etc. 
Due to identity theft and different individual taking care of me during my recovery my credit is being reviewed. 

I have requested these docs before to no avail. 
So again, please send all signed docs related to this collecrion within 15 days of this letter XXXX customer rep stated that they investigated the matter but failed to provide me with info on how they investigated the acct. thoroughly, according to US 1681 Section 7. Considering they were provided with a police report, they know my information was breached on their end twice and i pay for their credit freeze but to now avail i still have items appearing on my credit or extra SS attacked or other names and address
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT SHOULD BE CLOSED BUT IT STILL OPEN
Product: Checking or savings account

I had a checking account with Wells Fargo and after doing a job I was paid with a check and I had deposited the check into my account and the bank said the check was bad and just closed my account without warning. Now I can't open an account anywhere
Product: Payday loan, title loan, or personal loan

Sometime in XXXX I did not get XXXX auto loan. I got to own a car do also have driver license. I don't got nether I git a i.d . card and personality I XXXX  of getting judged on my report like I opened self and it disappeared when my idebty was being stolen from me in XXXX  year XXXX. If I don't go the no license and I got no car. I got no kebder no XXXX XXXX no nothing this is still against me. I also see that my ex family gif a lol loan in Oklahoma I mean really is this easy to truck a person
Product: Checking or savings account

On XX/XX/XXXX I saw that XXXX XXXX had sold all of my positions held in my IRA on XX/XX/XXXX. I never provided consent or received any notice that this would occur. I called and I was told that they were closing my account. I asked them to reverse their illegal activity and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had nothing to do with the accounts listed
Product: Checking or savings account

I had a wire transfer from my savings account at RBFCU to XXXX XXXX for a down payment deposit and realized 2 days later that its a fraudulent email and account. My back said since I authorize, I can not file a fraudulent claim with them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below 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 : It also states a consumer reporting agency can not furnish an 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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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 XXXXXXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Payday loan

See below : I would like to register a formal compliant with your organization for allowing my personal and financial information to be used by an unauthorized person. While you all approved an application in the amount of {$750.00} in XXXX XXXX, 2015, as told to me by XXXX of your associates in the fraud department, out of sheer luck the account was never funded. Having already disputed the original inquiry on my credit bureau file, only to have XXXX tell me you all have to remove the inquiry because you all claim it is legitimate. Now I find out that you want me to fill out an FTC form, file a police report and then possibly you might correct this huge mistake. So not only was I a victim of fraud, you all victimize me again, because you provide more protection to the criminal then you did to me ... your response to me for not releasing the information on the application that was submitted was for the privacy of the individual who submitted the application ( the criminal using my personal information ) on XXXX XXXX. Which again you approved then did n't fund because you found some irregularities ... even with all of that you did n't feel the need to notify me of this fraud. I find it unbelievable that as a victim of fraud with your organization that you would continue to perpetuate this fraud by not bringing this to my attention and then not bringing in Law enforcement after you all recognized the fraud and yet you continue to protect this criminal even after I brought this information up again when you already knew it existed. I wonder if your goal here is to allow this type of behavior to continue as long as no one says anything. 

XXXX XXXX
Product: Vehicle loan or lease

The situation is in regards to Westlake Portfolio Management and U.S. Auto sales. U.S. Auto sales is the original credit lender to my vehicle ( XXXX XXXX XXXX, VIN # XXXX ). On XX/XX/XXXX U.S. Auto sales closed their doors without any notice or warning. My loan was then transferred to Westlake Portfolio Management shortly after. Not too long after that did we learn that U.S. Auto Sales had filed for bankruptcy and was being sued due to the fraudulent activity of never paying for the warranty provided by XXXX XXXX XXXX XXXX ( DOWC ). Once everything was further reviewed we were made aware that the warranty and Gap that were agreed upon in my contract were null and void. When I made efforts to contact Westlake to see if my warranty was being honored or refunded they told me that they do not know and to contact their new warranty company. When I did so the warranty company named XXXX replied to me via Email that I do not have a contract with them. The new company who is claiming to be my original creditors have not provided me with a new contract connecting me to a loan provided by them. My lawyer has written to Westlake twice now demanding a contract rescission under the primary XXXX XXXX XXXXXXXX XXXX XXXX. Of which is only one of the many laws violated within the contract provided by U.S. Auto Sales and now by Westlake Portfolio Management. 
Also in attempts to communicate with Westlake all representatives are very rude and controversial. It appears as none have been taught about the situation and have been given scripts that do not aid in the transition to Westlake. Westlake has failed to make any proper communications regarding the letter that has been sent to them Twice and can not supply a single answer to my questions without them being met with controversy. 

My husband XXXX XXXX and I are both on the account for this vehicle. Both of our credit scores have been attacked. XXXX XXXX is an active duty service member and received DA orders for Recruitment and we will be moving, but can not buy or even rent with this attacking our credit scores.
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. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}