23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX I requested an increase of my credit limit to {$20000.00} on a credit card I have had since XXXX of XXXX. This request was denied because of a credit freeze on my account. The date of the notice from my XXXX XXXX was XX/XX/XXXX, account number assigned was XXXX. When I was submitting the request through XXXX on XXXX I was told the credit agency was XXXX. I immediately tried to login to my personal account with them, an account I have had since the early XXXX 's when a breach had occurred and I was offered the freeze capability. Since that time I have used the service quite often, temporary specific account, etc. 

When I attempted to login I was told that my login ID was an invalid email address. That address was XXXX that I had established through my XXXX when I lived in XXXX XXXX, AZ. When I moved to XXXX XXXX  I terminated my relationship with XXXX because of coverage. XXXX has advised me that I needed to keep the address active but without a login to them it was impossible. Earlier this year XXXX terminated my email account. 

A secondary issue complicated the matter because of a cell phone issue with my current carrier, XXXX. They refused to transfer my cell number and deactivated the cell number. 

These XXXX issues make login to my XXXX account impossible and complicates any attempt I might make to delete the previous obsolete login and establish a new account with them. I have since found exactly the same issue with both XXXX and TransUnion. In fact, all XXXX agencies have now added a security freeze on top of the credit freeze. I have not attempted to obtain a copy of my credit report but I believe the request would fail. 

As it turns out my wife has exactly the same problem caused by the exact same issue. She has tested her access and had the same result.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts on my credit report that aren't mine.
Product: Credit card or prepaid card

I have an issue with  Wells Fargo Financial National  Bank,  XXXX . I live out in the country and sometimes have difficulty getting my mail. I went online and signed up to make my payment on line through  Wells Fargo. W hen you go to the make payment section it request your bank account and amount you would like to pay. I select the monthly amount I owe and send the payment. Today I received a paper statement and this time I opened it, ( I usually do n't because I make my payment online. ) The statement said I owed a {$37.00} late fee. I was charged a late fee because I was making my payment early ( in advance ). I did n't know that was not excepted by  Wells Fargo and have never heard of a late payment fee for an making an early payment. I contacted Wells Fargo  and spoke to  XXXX   ( e mployee #  XXXX   ).  She said that the fees could not be credited back to my account for making early payment and I was charge {$110.00} in  XXXX  and {$74.00} in  XXXX , #  XXXX  each time.  XXXX  said I should have read the fine print and  Wells Fargo w as not at fault and she could n't credit my account for the charges of ( Making an early payment ), I ask to speak with her supervisor and she said she was as high up as I could go and refused to provide me with a name or phone number of someone who could assist me with this problem. I ca n't believe in  XXXX  when most people are late or do n't even make payments at all,  Wells Fargo  was charging me {$37.00} a month for making my payment EARLY! I  Hope someone can assist me with this or please let other consumers that Wells Fargo is taking advantage of costumers that make early payments. This is another way Big Banks take advantage of costumers that go out of there way to make sure there payment is not late. Thank you ... confused and disappointed consumer that closed their Wells Fargo  account and will refuse to do business with them in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/22 I discovered TransUnion was incorrectly reporting late payments on Target & CrossCountry Mortgage On or around XX/XX/22 I mailed a dispute to TransUnion, see attached. Requesting incorrect information be deleted. 

On or around XX/XX/22 I received a letter, attached, from TransUnion refusing to investigate incorrect reporting of accounts.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The wrongdoers Tromberg Morris & Poulin PLLC ( hereafter " TMP '' ) are debt collectors as defined by the 15 U.S.C.A. 1692a. Attorney XXXX XXXX XXXX ( hereafter Tromberg ) is TMP managing partner. The issue presented in this complaint has been raised in the pending litigation, XXXX XXXX Florida Ninth Judicial Circuit Court Case No.2014-CA-1836. In this complaint I do not seek redress for an injury caused by the state-court decision itself, but rather for injuries caused by the wrongdoers fraudulent conduct. Tromberg was XXXX XXXX XXXX XXXX managing partner since XXXX. Siting at the top of the collection law firm hierarchy, on XX/XX/XXXX, she submitted for recording the XX/XX/XXXX fraudulent Assignment of Mortgage ( attached hereto ) that purported to document a transaction whereby Branch Banking and Trust ( " XXXX & XXXX '' ) " does hereby grant, sell, assign, transfer, and set over unto Assignee, the XXXX XXXX XXXX XXXX XXXXXXXX as Trustee for the Benefit of the Certificate Holders of the XXXX XXXX Asset Backed Certificates Series XXXX ... a certain mortgage, together with the note and obligation described in said mortgage. -- -- - In XXXX XXXX Bank ( the original lender ) was acquired by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ). The letter and the loan transaction history provided by XXXX XXXX XXXX ( attached hereto ) show that the mortgage was no longer a XXXX XXXX  asset when XXXX XXXX XXXX completed the acquisition ; the loan was transferred on XX/XX/XXXX. The name of the person to whom the right was transferred was not provided. XXXX XXXX XXXX never owned the note and the mortgage and could not assign the original bank 's XXXX XXXX XXXX  ) rights. Moreover, the loan was originated on XX/XX/XXXX and the fraudulent Assignment of Mortgage was dated XX/XX/XXXX. In securitization a mortgage can not be assigned months or years after the date of the origination of the underlying mortgage note and can not be assigned from the originator directly to the trustee for the securitized trust. At this time, TMP ( acting as the foreclosure law firm ) attempts to collect a mortgage debt allegedly owed to XXXX XXXX Asset Backed Certificates Series XXXX ( the Securitization Trust ). However, the certification signed by the Secretary of State of the State of Delaware ( attached hereto ) demonstrates that there is no Declaration of Trust. Also the certification signed by the Secretary and the Acting Branch Chief of the U.S. Securities and Exchange Commission ( attached hereto ) demonstrates that there is no Pooling and Servicing Agreement, there is no Prospectus and no registration records on XXXX XXXX Asset Backed Certificates Series XXXX XXXX. The State of Delaware Certification and the SEC Certification proves that the trust was never created ; XXXX XXXX XXXX XXXX XXXXXXXX is not a trustee for any Certificate Holders because the Certificate Holders are not beneficiaries of any trust. TMP knows they are wrong, but continue efforts to collect a debt not owed ( to XXXX XXXX XXXX XXXX XXXXXXXX or any trust ) causing losses and embarrassment to me.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After acquiring a copy of my credit report, I made a distressing discovery : I have become a victim of identity theft. Given that I am currently in the process of purchasing a home for my family, this revelation has filled me with horror and concern. The repercussions of this fraudulent act have had a detrimental impact on my financial well-being. Therefore, I kindly request your immediate assistance in removing these fraudulent accounts from my credit report. Please see attached for additional documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a credit repair company XXXX XXXX XXXX multiple times and the federal school loans will not corporate with them that I pay to try and reach out to get the information correcred XX/XX/XXXX thru XX/XX/XXXX I have myself today once again, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have been trying to been disputing these accounts since XX/XX/XXXX. Comments where added : different on all 3 reports, payment status do not match, account details. I get a three bureau credit report from XXXX every 2 months. I can send my credit report if needed and I have tried to contact the original creditors and they tell me they can not do anything at all for me. The credit bureaus or reluctant to help and only agree to help since I said I was reporting to the FTC and my credit score goes down everytime I ask for a dispute because they put comment on my credit reports. My current school loan is current since this year. I am asking for accurate information and all 3 credit bureaus to match. The school loans are allowed to get away with sloppy reporting and its hurting my credit because of the classification and not all being removed from my credit report if it was from another once I disputed it. I can gladly send a credit report so you may see yourself.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has continued to refuse to correct their inaccurate reporting to XXXX, XXXX, and Trans union although they are reporting status is current. I am not disputing the time or when I made those payments as that is my payment EXPERIENCE which is my private EXPERIENCE making a transaction between ME and XXXX XXXX XXXX XXXX which I did not give permission to share my EXPERIENCE with the above mentioned third parties. Furthermore, despite having been charged late fees to bring the account CURRENT by which payments are no longer XXXX or any days late but they continue to refuse to correct accounts to " PAID AS AGREED '' as it should be because it is " PAID AS AGREED or else I wouldn't still have physical possession of the vehicle. Account is Recorded and Reflects CURRENT so all moths should be CURRENT as well.
Product: Credit card or prepaid card

I made a purchase to XXXX on XX/XX/XXXX for a T-Shirt with my Bluebird by American Express Card in the amount of XXXX, I did not receive the merchandise. I notified Bluebird about this and filed a dispute for the charges on XX/XX/XXXX. I was advised that if the dispute could not be resolved within 10 day that Bluebird would issue a credit. As of today 's date XX/XX/XXXX the credit still has not me issued. I made a call to them inquiring where my credit was and was advised that if the merchant refuses to issue a credit back to my card then they ca n't help me.
Product: Credit reporting or other personal consumer reports

I filed complaint number XXXX on the CFPB website on XX/XX/2023 in reference to inaccurate information I saw on my credit file. I filed complaint number XXXX on the CFPB website on XX/XX/2023 in reference to continual retaliation against me for filing a CFPB complaint against Trans Union . Inaccuracies on my report are being monetized by Trans Union against my will. This company has admitted to defaming my name and is continually and daily committing this federal violation. Trans Union is sharing my nonpublic information with people didn't authorize. Trans Union is giving access to my social security number for monetary gain. Trans Union is conspiring to commit RICO violations and does so KNOWINGLY and WILLINGLY.
Product: Credit card or prepaid card

Purchased a {$200.00} pre paid XXXX gift card and didn't use the card until vacation but when I opened the card to pay it was empty upon checking it stated a {$200.00} charge from XXXX, the card was sealed in my possession the entire time.contacted XXXX and they stated transaction number was fake and they've had several complaints about the same thing and the company XXXX who manages the cards are the ones stealing the funds -contacted In-Comm and they requested my own debit card number and drivers license number.. this is a scam and I will contact Illinois attorney general to file complaint for fraudulent activity.
Product: Vehicle loan or lease

THEY ARE CHARGING ME DOUBLE OF WHAT THE CAR WAS WORTH AND PUT IT ON MY CREDIT. THEY ALSO REPOED MY CAR AND SAID THEY DID NOT. I DIDNT DRIVE IT BECAUSE iT WAS RECALLED BEFORE I BOUGHT IT, WHEN I DROVE IT EVERY SO OFTEN THE STEERING WHEEL WOULD KEEP XXXX  ALL OVER THE ROAD. I MADE THE COMPANY AWARE WITHIN THE FIRST 2 WEEKS OF MY PURCHASE. I ALSO PAID FOR THE GAP INSURANCE AND NOBODY HELPED ME GET IT FIXED.
Product: Mortgage

Quicken Loans charged me {$500.00} for a home appraisal. The home was not appraised. The loan I applied for was not approved or declined. They left it in limbo. I am a single mother of XXXX kids and can not afford to pay for things I do not receive. I would like help getting my {$500.00} back from Quicken Loans.
Product: Debt collection

Transworld/TSI has not been able been able to provide me with an original agreement or contract with the original creditor for the alleged debt. I have sent numerous debt validation letters to this company and no original contract or agreement was provided. I have also made several attempts over the last couple of weeks by contacting them via phone and each time I was told by each customer represperson they were unable to provide me any information regarding the alleged debt. I was informed I would have to speak to a specific account representative XXXX she was the ONLY person who could speak. I was told to leave a voicemail she would return my call. It has been several weeks now with no response and I dont understand how a debt it is reporting by a collection agency who cant produce the original contract for the creditor nor provide me any information on the debt. I am requesting this debt to be removed from by credit report due to the company not being able to provide me a contract agreement with the original creditor and for violating the Fair Debt collection practice Act. Please remove this debt from all three bureaus.
Product: Credit card or prepaid card

i have made all payments never and issues and they closed my account for no reason even they varify all payments
Product: Credit card

This is in reference to my Lowes/Synchrony Bank account . 
I paid the charge account in full and the following month I received a bill for {$3.00} which when I called to find out what this charge was, I was told it is interest on the balance as soon as the bill goes out whether this is paid in full or not. I believe that this practice should not be allowed and something should be done that companies should not penalize there customers for paying off there charge card. Please look into this for me. They refuse to wave this. 
XXXXXXXX XXXX also does this but when you call their customer service department, they wave it. 

Thank you
Product: Money transfer, virtual currency, or money service

XX/XX/year> - I wanted to make a large transfer from US to XXXX to pay off a mortgage and I got in touch with xe.com as they support large transfers. They assigned a representative who would support me through the process. He explained the process - I'd make a wire transfer and they would make the payment to my overseas account once they receive it. They also confirmed that I would be reimbursed for the wire transfer cost. 

I made 2 wire transfers - XXXX XXXX on XX/XX/XXXX and XXXX XXXXXXXX on XX/XX/XXXX. The transfers were processed and I received money within ~1 week. However, they did not reimburse the wire transfer costs ( {$30.00} x 2 = {$60.00} ). I followed up multiple times about the reimbursement from XX/XX/XXXX to XX/XX/XXXX but I haven't received it yet as of XX/XX/XXXX. Below are the details of the follow up - XX/XX/XXXX - I emailed the rep, did not receive a response XX/XX/XXXX- I contacted their customer care, got a response and they escalated my request to the " relevant team '' XX/XX/XXXX- I emailed again, no response XXXX XXXX- I emailed again and mentioned that I would file a complaint with the CFPB if they did not resolve the issue. I immediately got a response from the rep apologizing for the delay. He mentioned he would follow up internally and get back. 
XXXX XXXX - I emailed again and I got a response from the rep. He said he had failed to follow the correct internal process previously and had now rectified it. He confirmed that I would receive the reimbursement by the following week XXXX XXXX- I emailed again, no response XXXX XXXX- I emailed again, no response
Product: Credit reporting or other personal consumer reports

I have disputed this creditor on XXXX, and XX/XX/XXXX. I requested bank transactions and proof that I was late with this creditor. The creditor has took over 30 days to update my account and perform an investigation. The creditor has illegally reaged my date late active XX/XX/XXXX to XX/XX/XXXX. Trans Union is missing date last active and is unverifiable. Trans Union failed to do update my account and do a proper investigation. The creditor last reported on my account XX/XX/XXXX even though I have sent dispute on XX/XX/XXXX and XX/XX/XXXX. XXXX date is XX/XX/XXXX I have not received an update of a reinvestigation from the creditor and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a 36 lease obligation with XXXX XXXX XXXX. I paid up the last few lease payments with a check of about {$3000.00} or so. Never 30 days late. I ended up owing some taxes which I was planning on paying towards next month bal. of {$1700.00}. I check my credit report today Hyundai reported me 30 days late. This is not fair credit reporting to a good paying customer.
Product: Credit reporting or other personal consumer reports

i noticed unauthorized inquiries on my credit reports that i would like removed according to the fair credit reporting act these unverified and unathorized items must be removed Equifax XXXXXXXX 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 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

The inquiries in question was related to a business credit application, not a personal credit request. Under the Fair Credit Reporting Act ( FCRA ), only personal credit-related inquiries should appear on consumer credit reports. This incorrect reporting may negatively impact the consumers credit profile and should be corrected immediately. Please remove the unauthorized inquiry to ensure compliance with FCRA regulations.
Product: Checking or savings account

An account was opened in my name while I was incarserated in The Colrado Department Of Corrections. I am trying to rebuild my life and this is causing alot of problems for me. I am providing as much information as I can that will help speed up this process. Please HELP me get this taken care. 
I can be reached at XXXX
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct. I sent a letter to but it has been more than XXXX  days since the credit bureaus haven't responded. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

The entire month XXXX and XX/XX/2023 I have been communicating with National Credit Systems. I have sent an Identify theft report, affiliated, police records. I have done everything that was asked in order to remove the Dept and in the end they told me the owners of the apartment community ask them to proceed with the Dept. The apartment isn't even in my name and they said I was the guarantor. I asked for document showing where I agreed to be a guarantor and they can't provide. the dept is {$10000.00}. Also the other apartment was showed that I owed {$3900.00} which I presented the court documents stating : Landlord agree to dismiss money judgment without prejudice. I have all the documents.