23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023, I attended a Club Wyndham timeshare presentation with my girlfriend at Club Wyndham XXXX XXXX in XXXX XXXX, NV. The salesperson aggressively marketed the timeshare deal to us and also offered to run our credit to see if we would qualify. Initially, we were not told that part of the purpose of running our credit was to have us each open a Wyndham Rewards Earner credit card. After we discovered this, we told the salesperson that we were not interested in opening said credit card, and that we were not interested in purchasing a Wyndham timeshare. Before we left, we each signed a confirmation that we would not be taking advantage of their timeshare promotional deal. A few weeks later, I received a Wyndham Rewards Earner credit card in the mail ( although my girlfriend did not ). This credit card was therefore opened without my consent.
Product: Money transfer, virtual currency, or money service

I made an order to TransferWise on XXXX XXXX, 2019 for converting {$830000.00} XXXX dollars to USA dollars, and transmitted the {$830000.00} XXXX to them. Because of the long time it took them to approve the associated documents, they cancelled my order and requested that I inform them where to send the {$83000.00} refund. They then, without my permission, resurrected the cancelled order and made the transfer any way using the original conversion rate of XXXX XXXX. Since the order was cancelled, they had no right to do this without my permission. I was accordingly prevented from obtaining the refund that the cancellation involved, and using this money for a new order. Since the rate of exchange had improved at the time of the cancellation from what it had been in the original cancelled order ( and has remained improved to this day XXXX, I have incurred a substantial loss, in not having the {$830000.00} available for a new order that I intended to make. I can substantiate these facts in particular from a XXXX XXXX email from Transferwise in which they state concerning the unauthorized resurrection of the order " I believe that a confirmation by yourself would have been necessary before proceeding. I am sorry this did not happen ''. 

In resurrecting the cancelled order, they transferred the {$830000.00} XXXX using the XXXX XXXX rate of XXXX resulting ( after theXXXX % fees ) in XXXX USD, whereas a new order would have employed the improved rate that had become current of XXXX resulting in {$580000.00} USD. So because of the unauthorized transfer I received {$9500.00} USD ( {$580000.00} - {$570000.00} ) less than I would have been able to receive if the unauthorized transfer had not been made and I had been able to use the {$83000.00} in a new order as planned. I accordingly requested transferwise to reimburse me the {$9500.00} loss that I had thereby suffered. Their response was merely a limited offer to waive their commission on a future transfer that I might make.
Product: Student loan

Upon speaking to XXXX, my current student loan servicer, and the XXXX XXXX who confirmed the balances of my loans, and which servicer currently has them high, called Nelnet my prior student loan servicer and requested a refund of a loan payments on a loan that was closed and therefore not transferred to my current loan servicer XXXX. This triggered a supervisory escalation since the customer service representative was unfamiliar with how to handle this situation the customer service representative who was the pod leader XXXX informed me that nelnet has a informal internal policy to deny refunds to accounts that are closed and paid in full since they do not want to deal with the transfer to new servicers. I have made multiple voluntary payments after XX/XX/2020 that should be eligible for refunds towards this loan that is currently closed with Nelnet and due to a internal policy they are telling me that they can escalate it. However, it will be denied due to their policy of not refunding loans that are eligible for a refund simply because they are off the books. This was done on a recorded line.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate and the date last reported is not accurate, this is ground for removal. they also violated my rights under XXXX5USC1681 section 602A. states I have the right to privacy.15USC1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions. also the credit bureas took more than 30 days to complete my investigation which is clearly against the laws and against my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE LOOKED OVER MY CREDIT FILE AND FOUND SOME ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I CAN NOT EVEN BEGIN TO THINK OF HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY IDENTITY HAVE BEEN TAMPERED WITH IN ORDER FOR THE ACCOUNTS AND INQUIRIES TO BE AUTHORIZED. THIS SITUATION IS CAUSING SOME SERIOUS DAMAGE TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized Loan Servicing is reporting I had late payments in XXXX. I printed out my statements and sent them in to them circling all the payments made from my account to them that year. I recently sent a complaint to XXXX and XXXX and they corrected the problem. I am sending the same documents to XXXX so they can see the payments were made and remove the derogatory marks from my credit report. I have tried to resolve this issue 3 times with Specialized Loan Servicing and they keep reporting false information.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach that has compromised my personal information. As a result, several fraudulent accounts have appeared on my credit report. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request the immediate blocking and deletion of the following accounts : Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX XXXX {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$540.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2100.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX - XXXX - XX/XX/XXXX - {$540.00} XXXX - XXXX - XX/XX/XXXX - {$00.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My PenFed Member Number is XXXX. After speaking with the membership services department at Penfed, and as per the advise received, on XX/XX/2019 I requested Penfed to add me as a joint borrower to three different PENFED accounts. My email request dated XX/XX/2019 and its attachments ( three pages ) are again attached herewith. But these accounts are not yet being reported to all Credit Reporting Agencies ( CRAs ).
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX BALANCED {$4000.00} CXXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$4400.00} XXXX XXXX BALANCED {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX {$1900.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Money transfer, virtual currency, or money service

To : Whom it may concern, Lets start emphasizing I'm a Citibank customer since I was XXXX XXXX XXXX and now I'm XXXX. I have never had any problems with money being stolen in any way until now. 

I'm a victim of scam on my business account with Citibank, In which we are going to clarify, I did not have any call, no msg, no email from Citibank asking if any of those transfers were being made by me. 

-Dates for the transfers & amounts : XXXX {$7000.00} + service charges {$17.00} dollars XXXX {$7000.00} + service charges {$17.00} dollars XXXX {$7000.00} + service charges {$17.00} dollars total of {$21000.00} US Dollars The transfer was made out of the country according to their investigation, the money was transferred and taken out! " What a surprise is the target of scammers '' I spoke to a Citibank representative who told me Citibank determined that they are not going to return my money because according to them I gave information that helped the scam. 

I asked to speak to a Citibank supervisor to re-open and asked to re-open my cases, who instructed me to send a letter to : XXXX XXXX XXXX XXXX XXXX Texas XXXX. 
( I sent the letter more than a month ago and I still have not received any notification from Citibank. ) PLEASE HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is not reporting correct payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I applied on XXXX 's website for the Visa Signature Rewards Card issued by XXXX. The website said the application was unable to go through ( I do not remember the exact reason it said ). I was going to try and apply again on the website but I looked at my credit report from Equifax on XXXX XXXX and saw that I had a hard inquiry from XXXX. I then have been going back and forth calling XXXX and XXXX to figure out the problem. XXXX says that they have no application processed from me, even though the website shows that I applied, and XXXX says they never received an application from me. I know the information was entered correctly because it is showing on my credit report. Long story short, XXXX directed me to XXXX, who then directed me to Equifax, who then directed me to FTC.gov, which then directed me to y'all. I would like to either have the application fully processed if possible, or at the very least have the hard inquiry taken off since the application was never processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had since 2017 made sure I was pre approved multiple times just to run my credit. I wasted countless close to XXXX on law firms and credit building attorneys online. They also promised to globose my credit which never happened. My accounts were compromised and cards were used. No answers since
Product: Mortgage

Hello, we ( myself and my partner ) submitted an offer to purchase a property that was listed for a short sale and being service by JPMorgan Chase with loan # : XXXX back in XXXX, 2020 and since then, It seems like Chase and the seller are discriminating against us because we have signed the counter offer of {$750000.00} for more than 3 months now and we are yet to receive an approval letter. Our agent and the listing broker are having difficulty reaching Chase and according to our agent, it seems like Chase and the seller might be working with another buyer regardless of the fact that our earnest money deposit have been in Escrow and still in Escrow since XXXX, 2020 and we have signed the revised purchase contract that Chase had advised the listing broker to provide, but the seller and Chase are not forth coming. We are confused and disconcerted at this point.
Product: Credit reporting or other personal consumer reports

I called Transunion, XXXX, and XXXX today kindly asking them to remove the multitude of unauthorized inquiries that were placed on my credit report without my consent. I believe I am a victim of idendity fraud over the past few years regarding certain accounts. Most specifically for a car, and some other accounts. In the past, I discussed the potential of purchasing a car with companies in the past, and did a lot of research with these companies, however I never authorized them to run my credit, because I knew I wasn't financially ready to actually make a purchase. I have noticed over XXXX different XXXX  inquires throughout all 3 bureues that I never authorized, that are severely hurting my report, and I never purchased a new vehicle. Also, there are unauthorized accounts that I have noticed on my credit report as well. I was denied the ability for the credit bureaus to delete this information when I asked via phone, therefore this is the reason for my request. I appreciate your time in this matter, and thank you for assistance. 

( This is an addendum from my last file, as I did not add all the credit bureaus that I attempting to correct my information )
Product: Credit card or prepaid card

On XX/XX/2019 my bill did not go through when it was on auto-bill.I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

I have found fraudulent inquiries on my credit report that I need removed immediately. The fraudulent inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, DEPT OF EDUCATION/XXXX  Account # XXXX, XXXX Account # XXXX, DEPT OF EDUCATION/XXXX  Account # XXXX , Chapter XXXX bankruptcy discharged Account # XXXX, Chapter XXXX bankruptcy discharged Account # XXXX
Product: Credit reporting or other personal consumer reports

I reached out to XXXX funding in XX/XX/year> due to them being reported as collection company on behalf of credit one. I asked them to validate my debt according to 15USC1692 g I requested a detailed list of payment history with XXXX XXXX. I requested the signed original contract with creditor XXXX XXXX I asked for proof of any insurance claims filed on this debt and I requested proof that they had chain of title command to collect on this debt. They were not able to provide and validate debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). This incorrect information includes wrong addresse that I have never been associated with. Below are the specific details of the inaccuracies that need to be corrected. Inaccurate Information : XXXX. Wrong Addresses : - Incorrect Address # XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of the account which does not belong to me or was opened without my permission. XXXX XXXX XXXX According to FCRA Section 605B ( a ) Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Checking or savings account

I received a check from a company that was suppose to be a job that I applied for and tried to deposit the check into my account. They put a hold on the check as I expected to make sure the check could be verified. The check turned out to be sent to me from someone trying to scam me. The bank notified me that the check was not good and I tried to explain to them where the check came from and that I was being scammed and they blamed me and closed my account. My account was closed for suspicious activity and as a result I am unable to open a bank account at any bank. The reason I was given was that I should've known better, but how was I suppose to know. I though that was why the banks take time and put a hold on the check to make sure the check is from a real company. I feel they blamed me and closed my account unlawfully and caused me to be unable to open up any bank accounts with other banks because of their report. I really need help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is an account that is not only not mine but they are reporting information that is COMPLETE inaccurate. They are not reporting the same thing on each bureau. They continue to change the information and update on the credit reports and nothing is consistent. Beyond the fact that the account does not even belong to me, they continue to update with different information and backdate dates and change things. They are reporting the account as opened XX/XX/XXXX and the date of last payment as XX/XX/XXXX. This makes zero sense. How is the date of last payment prior to the account ever even being opened? They have failed to produce a copy of any contract. The are showing a charge off on one bureau and late on another. They originally changed the status to charge off on XXXX then backdated the reporting date from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are showing inaccurate payment history and reflecting different information on each credit bureau. The credit bureaus are not holding them accountable for the fact that it is a fraudulent account to begin with and I've already submitted this information numerous times. Originally Equifax deleted the account then without notification suddenly reported the account again with a different status and the balance went from {$8000.00} to {$87000.00}. I have attached a complete summary with all details and all of the inaccurate information that has reported on a chart to prove this creditor has no idea what to report or what they are talking about.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear TransUnion Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Basis : 15 U.S.C. 1681c ( a ) Time Limitations on Reporting of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer re
port.

( 1 ) In general. A consumer reporting agency may not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than seven years.

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after seven years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Dear XXXX, I am writing to formally dispute the accuracy of the collection account listed on my credit report. I have reviewed the information provided, and I believe the reporting of this account violates federal law, specifically the Fair Credit Reporting Act ( FCRA ). The account in question is listed under the XXXX  XXXX XXXX, account number XXXX, Resurgent/LVNV Funding, account number XXXX. According to the FCRA Section 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifable. Upon reviewing this account, I believe it meets the criteria for removal fr the following reasons : 1. The debt is not mine, the amount is incorrect, or the statute of limitations has expired. Under FCRA Section 1681c, information about a collection account must be removed from my credit report if it is inaccurate or can not be verified after investigation. Therefore, I request that you either provide proper documentation proving the validity of this debt or remove this account entirely from the credit report. I also request that you send me written confirmation of your findings actions regarding this dispute. Please notify me of any actions taken to resolve this issue. Thank you for your immediate attention to this matter. I look forward to your prompt resolution. Sincerely, XXXX XXXX