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

There are 8 inquiries on my credit report that are not mine I have not inquired for anything like this or know what they are for I need them off my credit since I have been disputing these since XXXX. 

XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX XXXX  - Inquiry date : XX/XX/XXXX 2020
Product: Debt collection

Someone has committed Fraud with my bank account at XXXX XXXX XXXX and has to change my account 3 times. In doing so, I have had my personal information stolen. This started in XX/XX/XXXX, XX/XX/XXXX, Then in XXXX of XXXX. My personal information was used to acquire and credit card with XXXX XXXX for XXXX. Now Midland credit management has taken this account over and now the total is XXXX. Now I Iive on XXXX and made XXXX in XXXX. Now i live on XXXX a month. I have called capital one explaining to them that this was not done by me. Midland credit Managment has now filled papers to collect on this debit. During covid, i could not file a police report on this matter. I called the credit bureaus and filed this claim to them and had it removed from my credit report. I had to put freezes on my reports along with Fraud alert on them. I don't know what to do from here outside of what i already have done. XXXX told me to file this report with this agency. I hope this can be resolved.
Product: Debt collection

I lost my job and could not pay my credit card debt. I was going to file bankruptcy when my wife went out on XXXX. I did not think at my age I would find another decent paying job. I did get another job but this delay payments for 6 months when I called the credit card company they wo n't allow me to pay it. They keep having us call back and we 've done this for a week. We decided against bankruptcy since I 'm working again and have almost all our creditors paid off but this XXXX. We are not avoiding payment we want to pay them but they told us no and wo n't take a payment for what we owe and stated if we mailed them a check they would not cash it and would be sent back. Were so confused and frustrated we just want to pay off the debt and start building our credit again. We know that each day that goes by were impacted by late fee 's and interest and were frantic to pay it off ... please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting act. The list of accounts below has violated my federally consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section States : No consumer reporting agent 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 by more than 7 years.

15 U.S.C 1681-2 ( 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, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On the XXXX of XX/XX/2020 at about XXXX EST I made a zelle online money transfer of {$1500.00} transaction using my XXXX XXXX mobile banking App. The transaction was cancelled and my checking account was debited of {$1500.00} by XXXX and First Horizon Bank. I was given a transaction ID of XXXX for this transaction, the beneficiary account never received this fund and it showed that it was cancelled on the mobile banking app. I contacted the bank the next day and I was asked to open a XXXX dispute which I did right there in the bank and also called First Horizon Online banking services. They told me it will be resolved in 3 to 10 business days and my money will be refunded back to my checking account. Its been more than 10 business days since this transaction happened, I have contacted the bank twice since then and they told me they can not do anything about my money until XXXX refunds the money. They keep telling me to contact there online banking services and still no help in sight after contacting the online banking services of First Horizon bank. I contacted XXXX and they told me to go back to my bank as I did not carry out the transaction with a zelle app. First Horizon Bank still has not been able to do anything regarding this transaction after contacting them numerous times.
Product: Debt collection

I buy a car in the process something was not right with the sale..I agree with the financial and dealer to closes..they explained to me the financial language will negative in my side but because is another way to let happened... they refund some money by electronic deposit and final send me Small check to closed in positive the agreement..in the process when my account stared to collapse collection company buy this account. My original financial account closed (, not exist in the records ) and collection NEVER show up untill this XXXX reported in my credit that I owed them..after I denied that I don't owe anything to them they send me to Court I do show I REQUESTED before judge where is the proof my responsibility with them they never did.just because they said the original financial is where they requested this money .I told the judge that account is closed in good terms as agreement between the dealership and financial and me. And then the judge ask for investigation... time past is not investigation made because the account is not exist anymore. Finally I got the Court for trial..is pending for XXXX ... and my question is the evidence to collections present is bunch of page without any information..plus the dates are wrong the amount I pay in the original not mach is Several mistakes and not included that in credit is damage because all my credit decrease drastically for their report account..not even when the original financial collapse my contract was affected the way this people intended to do.. please help me and educated me what's my options to removes this XXXX people of me.i was planing to buy me a house and right on the time my credit was good everything denied because this people set up a debit was not longer in my record.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Credit Bureau Executives, I am letting you know about an issue I have noticed in my credit report. Unfortunately, I have been a victim of identity theft and fraud, which has resulted in my involvement in three data breaches so far. I have been working with your team and other organizations to rectify my credit reports and other information. However, I have recently noticed that a fraudulent account belonging to XXXX XXXX XXXX XXXX has reappeared on my credit report, even though it was previously removed.

I want to emphasize that this account and balance are not mine, and I have already taken the necessary steps to remove them from my credit report. I would appreciate it if you could address this issue as soon as possible.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX California XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/year> XXXX XXXX To : XXXX XXXX XXXX Subject :
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Name : XXXX and list of Inquiries 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 a consumer reporting agency can not furnish a 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 by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 a consumer reporting agency can not furnish a 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 by 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX I walked into Wells Fargo and deposited a {$65000.00} check given to me by my aunt on XX/XX/XXXX with a teller. Wells Fargo froze my account. My aunt passed away on XX/XX/XXXX. I filed a complaint with CFPB on XX/XX/XXXX. Since then, Ive gotten multiple answers from multiple people at Wells Fargo on how to resolve this. Ive provided proof of the check clearing, Ive provided proof that Im the POD on the originating checks account. I submitted her death certificate. Ive submitted proof that there is no hold coming from XXXX XXXX XXXXXXXX on this check. I was told to bring in documents stating Im the POD with a XXXX XXXX XXXX XXXXXXXX contact information to a Wells Fargo branch so we can have a conference call with BOA. I brought this in on XX/XX/XXXX to be turned away and say no thats not what they want. Even though on a recorded phone call on Thursday XX/XX/XXXX with representative XXXX, that is what they specifically told me they wanted, no misunderstanding on my end. They told me to officially close my aunts XXXX account to provide this contact information, I did. Then in the XXXX XXXX branch with Banker XXXX on XX/XX/XXXX on another recorded phone call, they told me they would be closing my Wells Fargo account & rerouting the check back to the originating XXXX  account automatically and to see if I can call to keep that account open. I call XXXX as my aunts POD and was successfully able to have XXXX place a pause on the closure of the account. I called Wells Fargo to confirm, now all of a sudden they need XXXX  to recall the original check otherwise it would be held in a suspense account for 90 days and then move to unclaimed state property. Earlier in the day it was automatic, now all of a sudden BOA has to recall the check? Every step I take with Wells Fargo I am being told I need something else or something different. I called XXXX, they were confused and basically said they wouldnt recall a check that has been cleared for weeks now because 1. Im not the owner of the account and XXXX. Why would they recall a check that cleared on their end with no issues or reports of fraud? XXXX fraud representative then told me that nothing about Wells Fargo doing this seems right & if she were me she would retain legal counsel against Wells Fargo as there is no reason for this check to be held, Ive provided more then enough documentation and proof & there is NO HOLD FROM XXXX XXXX XXXX. Again, this occurred on a recorded phone call with XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is a consumer reporting agency which furnishes a consumer report relating to me. TransUnion is INACCURATELY reporting payment information as follows : XX/XX/2019 - 30 Days Late XX/XX/2019 - 60 Days Late XXXX XXXX  - No Payment Data Reporting XX/XX/2019 - 90 Days Late XX/XX/2019 through Present - No Charge Off Reported in Payment History, yet account status shows Charge Off. 

The above is a consistent with Inaccurate Reporting.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$15000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been reporting on my behalf with out my permission. I havent been able to contact them and they have still been charging me late fees. Every tine i try to contact support i can not get through. Since XX/XX/2021 till XX/XX/2021 they have taken money from me and i demand it all be sent back to me. Under 15 usc 1692 c i would like to cease and desist all communication from here on out. Under 15 usc 1681 ( the fair credit reporting act ) all reports need to be accurate and fair. And i am a victim of fraud because so gave no consents for anybody to report or have my information. Any paperwork like the pictures i showed attached are examples of false and deceptive paperwork which is a violation of the fair trade commission ( the ftc )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be corrected immediately. 

The Infractions are as follows : XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  : XXXX DEPT OF EDUCATIONXXXX XXXX : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX  XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX ACCOUNT : XXXX Alleging Creditor and Account as is reported as having a late payment my credit report : I am demanding that these accounts be updated to Paid as Agreed and Never Late. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these a mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else UPDATE these items to PAID AS AGREED AND NEVER LATE immediately. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a public record that does not belong to me. I have checked with the US Bankruptcy court to see why this information was reported on my credit file and they stated that they do not report to credit bureaus. The following information is being reported by Equifax and it is erroneous. 

Chapter XXXX Bankruptcy XX/XX/XXXX XXXX {$0.00} Federal {$0.00} {$0.00} Chapter XXXX Bankruptcy Discharged XX/XX/XXXX XXXX {$0.00} Federal {$0.00} {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed negative items on my credit report and have not received a response back
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX requested that a PAID account be removed back in XXXX and XX/XX/2020 ; and the account still continues to sit on the account. When contacting Equifax to request assistance, they either hang up the phone or their representative lacks proper knowledge to complete the request. 

These disputes are legally to be resolved within 30 days, however it has been 60 days plus.
Product: Student loan

I believe my federal student loan servicer, Mohela, is mishandling my request to change my repayment plan. 

I contacted Mohela on XX/XX/XXXX to have my loan repayment plan changed from the default standard-repayment option, to the Extended Graduate Repayment plan. Since XXXX XXXX, I have called Mohela 7 times, which on average each wait hold time takes 4 hours for each call ( which mind you has to be done during my work day ). Thirty business days from my original request would have been XX/XX/XXXX. 45 days would have been ~XXXX  XXXX. 

We are now THREE months out from me requesting a repayment plan that, per the federal government, I am allowed to change to. But every time I interact with a person/supervisor at Mohela Im told , Mohela is running a bit behind. And on multiple occasions Ive been pushed to go into forbearance even though I have repeatedly said I do not want to pursue that option. How is a federal loan servicer 's unpreparedness now the burden of the borrower? 

I have talked with five different Mohela supervisors between XX/XX/XXXX and XX/XX/XXXX. Each one of them said they expedited the process to request my repayment plan change. One said this will be done end of business day today, I promise. That was the first week of XXXX. One said she would call me with an update she never did. One said, I can guarantee your XXXX bill will reflect your new payment plan. It didn't. Additionally, I have requested from three of these supervisors all the notes Mohela has on my account including call logs ( not transcripts ) be sent to my account. Each said they would, and yet I still havent seen these either. As I told the multiple supervisors, I want in writing an acknowledgement of the day I made my original request ( which had to be done over the phone ). 

As of XX/XX/XXXX, my request to change my repayment plan still has not gone through.
Product: Checking or savings account

XXXX Bank of America to make sure hold was not going to be placed on check, they advised me to get cashiers check and take it to local branch ( XXXX miles from my home ). I did that and was told by phone representative as well as branch representative that funds would be available. Left branch and received email XXXX mins later saying they placed a hold on cashiers check. Called customer service back to because branch was already closed. They told me that even though I had already had to get cashiers check verified in branch, they had to verify it again. I asked to speak to supervisor and was told that they would just tell me the same thing, then proceeded to just keep talking and explained the same thing they already explained again and would not transfer me to a supervisor.
Product: Credit reporting or other personal consumer reports

i have sent disputes and proof of payment to all XXXX credit bureaus regarding XXXX accounts the arent accurately reported. XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) and XXXX XXXX. These accounts she be reflecting as XXXX. 

Comenity bank was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX
Product: Vehicle loan or lease

I got quoted at 5 % interest by a representative at NFCU for my car loan for a new car. I stressed to them that Im new to this and have no idea how the process goes and asked that nothing will change over the course of me buying the car they reassured me. 

( I also work out the numbers in front of the rep for the payments and she sits there and doesnt tell me about how the interest is ROLLING interest. Had no idea what that was until after I called to complain about my insanely high interest rate. ) So I go and but the car, the dealership continued to finalize the deal with my bank ( Navy Federal Credit XXXX  ) and Im not sure if it was the dealership or NFCU, but someone withheld information. I get home with the car and about a week and a half later I see a notification in my bank app saying Im sitting on 12 % interest. 

I called and asked why they said the car isnt new Yet I wasnt told what qualifies a car as new, I ask to have the number brought down to a reasonable percentage and they decline. I tell them Im looking for a house and this is making it hard for me to even consider them for that loan then all of a sudden they can do something about the loan. Theyll give me a better rate. At that point I knew something was up. They were running my pockets to bring their company back on its feet after covid hit by giving me false hope. I confirmed it when I went and ran the loan calculator with my cars vin number on their website. It came up to 6 %. The car already started depreciating and I knew Ive already been down a couple thousands on top of closing fees and insurances i bought for the car. it would have been a huge waste of money if I just brought it back. I need help. Its just crazy how my credit score of XXXX points shy of XXXX landed me in a 12 % interest pool.