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

XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX TransUnion, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bankcard XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

Wells Fargo keeps claiming that I, or someone who was authorized, was the one who made a XXXX charge on my account. Neither is true and I did not authorize this XXXX transaction. The transaction was made fraudulently and they are not taking any action to protect me. Below is the original message I sent through CFPB - Complaint ID XXXX -- On XX/XX/XXXX I had a total of {$2000.00} frauded from my account via XXXX. I did not approve this transaction or make this transaction. I contacted Wells Fargo soon after about this fraud case, and they recently reported on XX/XX/XXXX that they have not approved of my claim. The case number is XXXX XX/XX/XXXX XXXX TO XXXX XXXX XXXX ON XX/XX/XXXX REF # XXXX {$1000.00} XX/XX/XXXX XXXX TO XXXX XXXX XXXX ON XX/XX/XXXX REF # XXXX {$950.00}
Product: Mortgage

I have been diligently calling to ask for a reinstatement because I want to keep my home Im currently saving up funds to pay in full. The problem also is Ive been in contact with Ditech Mutiple times and calling to ask about the calls that they told me they would listen to due to the agent I called to set up my supplemental payment plan with must have mistaken and keyed in the wrong numbers of the account number I read to them over the phone. I They still have not responded to me about the calls. I call in and ask and they tell me they are busy with there bankruptcy and all and someone is working on it. I dont know what else to do because they are still investigating this .This is my home they are messing with. Ive lived in my home nearly 6 years now. I applied for loss mitigation through Ditech due to a medical hardship I had to have XXXX XXXX XXXX  and developed a XXXX  XXXX that I had XXXX  I was very ill and out of work with no sick leave, as well as I work for the XXXX XXXX and it was during the shutdown as well and I applied but I have FHA and they told me I had to wait two years. Thats okay but I should have more options and I dont think they even read my five page medical hardship that I sent in with the documents for the loss mitigation I say that because I sent it in on XX/XX/XXXX and I received a answer by XX/XX/XXXX and was immediately thrown into foreclosure. I talked to a agent and they informed me that the account number that I told them when I called in to change my bank account information for the supplemental plan drafts from the bank and Ditech said the numbers came back as a invalid account. They never told me this until after it was too late and I didnt receive a letter until end of XX/XX/XXXX and the only reason I got it is due to calling Ditech and requesting it be sent to my email. Ive got several documents Ive kept all files all the faxed papers Ive faxed to them along with all my medical notes and bills and check stubs it all. I wouldnt be in this situation I feel if they would have done there job right the first time. Im still battling illness and working full time I just want to get to the bottom of it all. Thank you. 

Sent from my XXXX
Product: Money transfer, virtual currency, or money service

I deposited a mobile check deposit for the XXXX of XXXX with pnc. I have not gotten any of that money made available to me as of the XXXX of XXXX. They said they suspected fraud even though they have already taken the funds from the issuers account. they told me it would be available today but they decided to extended it out 10 days. PNC is defrauding me.
Product: Credit reporting or other personal consumer reports

discharged through bankruptcy XXXX XXXX XXXX XXXX sold it to a collection agency XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account status listed on the accounts that are marked as charge off and written off on my XXXX report DO NOT have the same status on my XXXX and Transunion credit report. Due to this conflicting and inaccurate status, these accounts should be removed from ALL 3 credit bureaus immediately. 
- ( 3 ) XXXX XXXX accounts - ( 2 ) XXXX accounts- ( 2 ) XXXX accounts- ( 1 ) XXXX XXXX account - ( 1 ) XXXX XXXX account - ( 1 ) XXXX account - ( 1 ) XXXX XXXX account
Product: Mortgage

I applied a mortgage from Wells Forgo in XXXX 2015. It has been a painful two months until I finally got the approval, as they asked excessive documents. Most of them were either trivial or irrelevant, as I have a perfect risk profile, with XXXX FICO, an income more than XXXX times of the monthly mortgage payment, no other debt, and was willing to pay more than 30 % as down payment. I complained to the loan officer several times, and each time WF cameback to ask for more unnecessary documents. Those included : my paystubs from XXXX years ago, all my bank and investment account statements back from 6 months ago ( totally more than XXXX of them ), explanation on every {$1000.00} dollar transfer between my bank accounts, and most ridiculously, proof of residence for some place I lived more than 15 years ago. I have also been asked for my intention for every my credit bureau inquiry in the past year. Overall, it seemed that they were conducting a criminal investigation instead of underwriting a loan. However, it became evident that they never looked at all the documents, as they had asked for some of them repeatedly, sometimes XXXX times during the process. 

Overall I have submitted more than XXXX pieces of documents and it cost me dozens of hours to prepare them. I am relatively financial savvy and very careful about documentation, and even so, the process took almost XXXX months and we nearly missed the closing date. During the XXXX months I have repeatedly asked to talk to the underwriter for her rationale to ask for so much documentation, but never got a response other than more requests. 

In my opinion, whether intentional from Wells Fargo or not, this cumbersome underwriting process has created a barrier for applicants with good risk profile to qualify for mortgages. It will be up to CPFB to decide, whether this practice is across the board, or only targets minority customers like myself. 

I have filed a complaint directly with Wells Fargo, but only received a plain vanilla response letter saying they have done nothing wrong. This was totally unsatisfactory and therefore I am filing this complaint to CFPB.
Product: Debt collection

They sent repeated texts and calls giving no background information on who they are. This is XXXX with DSR. Please give me a call back Have no clue who DSR is. Plus, the numbers they were calling on were all different or didnt work. However, they called my mom and revealed to her I had a loan with them to pay, which is illegal. You are not allowed to do that or tell third parties about the debt. 

I assumed fraud and reported them to the FTC and FBI. 

Additionally, they were very rude to me, dismissive, abusive, smug and XXXX to me on the phone. They have now allegedly verbally told me they are issuing a cease and desist with me because I am being ridiculous. Weird because they are the ones who have been harassing me and my family. XXXX accountability for their behavior.
Product: Credit reporting or other personal consumer reports

I found this account through LVNV Funding. I requested a copy of the purchase agreement as it is not my debt. The company never responded and was unable to provide this information. I am requesting that this debt be removed from my credit reports as this is not my debt and they can not provide a purchase agreement.
Product: Checking or savings account

Optum Financial opened an account under my name without my consent. I've tried to get them to close it, but they want all of my personal information, or register on their site in order to close an account I never opened. I told them they just need to close the account because I never opened it. I don't not have the account information because I never opened the account, but they keep emailing me at work regarding my Optum account. 

This is an XXXX account which I have repeatedly told my employer I DON'T WANT. I never agreed or consented to an account with Optum/
Product: Credit card or prepaid card

so when I applied for this card it was supposed to be XXXX miles when spent XXXX on the card in the st 3 months which I did with no problem chase claims I signed up for a different promotion I escalated the 1st time and the lady left one voice mail with me and closed my case without even talking to me so I escalated this again and they were only willing to offer me XXXX of the XXXX they wold not give me the full XXXX so I escalated again to a manager in the corp offices and know all of the sudden to get the other XXXX they want me to XXXX annual fee which they already waived for the 1st year for me this is getting riduculous every time I talk to chase or united I cant get anywhere on this I just want my other XXXX bonus miles and they are giving all kind s of trouble trying to get it. I have been loyal to chase and united and have had these united cards for many years and I cant believe they are treating XXXX  XXXX and won't give me the other XXXX bonus I don't understand why this is a hassle and they are being very stubborn about this and I am still really upset
Product: Credit card

The account is invalid TRANSWORLD SYSTEM INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. 
If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I Have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX {$350.00} XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX   XXXX {$940.00} XXXX XXXX {$490.00} XXXX XXXX   XXXX {$480.00} XXXX XXXX XXXX {$500.00} XXXX   XXXX {$610.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX   XXXX {$7800.00} XXXX XXXX XXXX XXXX {$24000.00} CHAPTER XXXX BANKRUPTCY {$0.00}
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries of my credit file from Experian, XXXX, XXXX XXXX immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX i went thru the drivethru to trade in my money that i washed because some was torn in washer and i had to take it. i been washing my money since covid and the first time it was torn. i was told my money is counterfeit i wasnt getting my money back i say how i got XXXX in XXXX  's from XXXX XXXX  atm and the two XXXX come from there atm at this branch location and i spend one XXXX at XXXX they use the pen gave me change so in all pnc took XXXX they were very irrate and hostile i have XXXX so i called the police because i need to have record of how much money they took told she said she would mail me a paper but i wanted something now. She ( Branch Manager ) l. i said i have another XXXX  right here and i still see the lines and everything so i failed to believe it is fail she kept hollering saying it was fake so i told her i will just take that XXXX to XXXX XXXX and let them check it i did afterwards and they said it was real. the police got the report for me i was never told anything about a process or how it work i called customer service to file a complaint and see how long and what is going to happen far as me getting my money back they only email me to call them i left several messeges by phone and email no responses because my situation could been went all the way wrong cause the police said if i would have left she would have press charges on me for theft by deception. and the manager kept trying to get me to leave, and still no answers.i withdraw all my money she didnt even give me a receipt for that and i asked to closed my account cause never in life have i even went through nothing like that before. the teller and the branch manager need to go to customer service training and do better. i could have been another XXXX XXXX with the irateness and had the police not have handled it in a good matter.
Product: Checking or savings account

Opened Citi Checking account with an offer. I was suppose to make a deposit of $ XXXX from my ally bank. When i tried to add that new account - it's not working. 
Online verification failed even when i am using the right credentials of XXXX XXXX. 
manual also failed - even when using the right routing and account number. 

Chatted with Citi - no help. 
Called citi no help. 

Worse case scenario - my existing Citi 's online access for citi credit cards is also not working. Citi blame customer to clear cache and cookies even when it's server side issue. 

Citi should be broken into more manageable size and shape. It's falling under it's own weight. They outsource all the work for maximum profitability. They should hire locally smart people.
Product: Consumer Loan

There was a car loan with Toyota Motor taken out in my name with me listed as the co-signer or joint owner. I did not co-sign nor jointly own a vehicle. I 've only purchased XXXX vehicles in my life a XXXX which was financed through XXXX, a XXXX and a XXXX financed through XXXX. The Toyota apparently was repossessed and resold leaving a balance in which is showing up on my credit. I 've disputed it with the credit bureaus as well as the creditor multiple times XXXX removed it but XXXX and XXXX nor the creditor will not remove it from my credit reports. I never co-signed nor signed a contract for a vehicle from Toyota and want this removed from my credit this is not my purchase. In addition, at the time of the purchase I was n't employed nor did I have any income to pay for a vehicle. Furthermore, I 've never has a repossession in my life, my XXXX was paid off in full with no late payments and I never missed a payment on my XXXX and I 'm still current in my contract with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # : XXXX, XXXX and has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states as a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A creditor May not on a credit card account under an open end consumer credit plan as late for any reason Remove late payments or delete the account
Product: Mortgage

Community Loan Servicing , LLC - previously Bayview Loan Servicing - has been suppressing our mortgage payments from the credit bureaus since they bought the loan in XX/XX/XXXX. We believe this is a violation of our credit rights. 

Over the years I've called several times and requested that they report our payments. They always refused. On XX/XX/XXXX a woman at Bayview named XXXX advised me to file a dispute with the credit bureaus and Bayview. Those actions got no response. 

On XX/XX/XXXX someone at CLS named XXXX read what he said was their response letter and said it is in the mail. We haven't received said letter. 

That letter states that they won't supply our payment history to the credit bureaus unless we reaffirm our loan. We aren't able to do that because it's now well past the 90 day period for doing so. There is no law that says we have to reaffirm, and some state courts won't even let people do it because of the burden it puts on homeowners. It's not required by the Fair Credit Reporting Act, and we're told that we shouldn't put ourselves and our home at risk by reaffirming. 

I mailed and emailed Qualified Written Requests to CLS on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The only response was an Acknowledgement Letter dated XX/XX/XXXX which stated that they had received my request and will " provide a complete response on or before the Proposed Resolution Date '' of XX/XX/XXXX. As of this date we have received no such response. 

I mailed another letter dated XX/XX/XXXX to both the corporate office and their consumer relations office in XXXX XXXX, FL. I am awaiting a reply. 

While we've never had even one late or missed payment with CLS or Bayview, this situation has adversely affected our credit worthiness for all this time and impeded our ability to obtain credit. It's also keeping our credit scores deceptively low - possibly up to 200 points below what they should be. It's been particularly obstructive in that we can not refinance our home loan to take advantage of the low mortgage rates that have been available to consumers these past years. That in itself has cost us thousands of dollars. This is no way to treat homeowners who have an excellent payment history.
Product: Credit reporting or other personal consumer reports

I've disputed the payment reporting information on the same four accounts that are currently reporting on XXXX, XXXX, and Experian. Just to have all three reporting companies come back with the information being verified as correct. How is this possible if all none of the payment history is consistent across all three credit reporting agencies? I am now seeking arbitration for improper use and reporting of inaccurate information on my credit report. This is proof of a direct violation of the FCRA from all three bureaus. There is no need for me to list a bunch of rights that have you have willfully violated by falsely stating that proper investigation took place. If this were true then all reported information should match up with the same information. The attached documents for each account will show different dates for the first reported payments, last reported payments, payments that reported as on-time but showing as late for the same month and year on other credit reports, etc. All three credit bureaus have not been able to validate the accurate on-time and late payment information but still claim to have done so. In previous disputes, requests for how the information was verified for these same accounts were never turned over to me as I requested. It is obvious that these accounts were never properly investigated. 
The inconsistent accounts are : XXXX - Account # XXXXXXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX Account # XXXXXXXX  - {$420.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and TransUnion 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. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX on XX/XX/XXXXXXXX  under account number XXXX. A personal credit card account with XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under account number XXXX. A personal loan with XXXXXXXX XXXX XXXX  on XX/XX/XXXX under account number XXXX. A utility account with XXXX XXXX on XX/XX/XXXX, account number XXXX. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit card or prepaid card

Ongoing issues for a long time. I have chat and spoke with the company, also asked them multiple times to block charges. I have disputed charges and they continue to let someone charge my account.