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

I tried to get all 3 credit reports, two were successful but Transunion 's process is futile. The system claims they can't verify me, they give a phone number to call but the computerized system doesn't acknowledge the word " REAR '' in my address and it continues to loop around asking the same question over and over and over. I simply want a copy of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Consumer Financial Protection Bureau Good afternoon : This afternoon I received an email ( see above ) from Experian informing me that my credit rating has decreased by 42 points. 

What I find troubling is that the change occurred 2 days after my husband spoke with a CFPB representative about a file our states banking department had forwarded to you, that generated a new complaint number ( XXXX ). ( The original CN is : XXXX ). 

Moreover, as their website shows ( copy attached ), my score has been increasing for I have increased the amount I have been paying, which made me suspicious that the decrease has more to do with my earlier complaint against them. 

Just so you know, the message on the customer service no XXXX only allows 2 choices both of which does not offer any option for assistance. 

In short that XXXX number is not really for customer service but an attempt to give the impression that they have one. 

Thank you for reading this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have 2 police reports on file with the XXXX and XXXX XXXX Police Department in regards to fraudulent collection accounts and hard inquiries listed on my XXXX XXXX, XXXX and Experian credit report. I have sent both police reports to XXXX XXXX, XXXX and Experian in regards to the fraudulent collection accounts and hard inquiries. The following collection accounts and hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, {$7800.00}, XX/XX/XXXX, XXXX, {$6000.00}, XX/XX/XXXX, XXXX XXXX, {$290.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, Further I have been receiving harassing phone calls and death threats from XXXX XXXX representatives.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 for 30 days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account Names XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX 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 a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i leased a vehicle with BMW finical and made all the payments as agreed in our contract. Covid19 hit when it was time to turn the car in and i had a new born at home so i couldn't come in contact with anyone because no one knew what was going on with this new pandemic. I offer for them to come pick up the car and they came 8 months later. Now they're showing on my credit that i had a repossession when i made all 38 payments on time.
Product: Checking or savings account

My account has been closed by Wells Fargo with no further explanation other than the bank has the right to end the relationship with you. I am trying to get further information as to why an account with XXXX and activity as of XX/XX/XXXX  was closed. Im concerned that my identity was stolen so I would like more information from the bank as to why the business relationship was ended.
Product: Bank account or service

I bank with PNC Bank. I have for 10 years. Recently .... They continue to take money from my account. I have had {$930.00} taken in past 2 weeks. I have had XXXX {$36.00} fees ( {$140.00} ) totalling {$540.00} just on the same XXXX checks. These fees include a {$36.00} overdraft fee and {$36.00} return check fee on XXXX separate occasions. They attempted to put the check back through when there was no money to cover them. I have an automatic deposit each week. I looked and the deposit went the through last night for this week and the next day my card was declined. They fabricated XXXX overdraft fees ( {$140.00} ) which made my account negative {$88.00}. The account would not be negative if not for these fees. I can not pay my utilities. I have XXXX XXXX children and can not afford food electric or water. I have had a negative balance for 2 weeks and they have charged several {$21.00} fees for maintianing a negative balance and an additional numerous if not daily {$7.00} fee for the same reason. I have paperwork to show these fees. I need help. I ca n't close account with outstanding checks and ca n't make deposits without them taking it all for themselves. PLEASE HELP ME. I need this money back to care for my XXXX children.
Product: Credit reporting

I request Experian remove the California tax lien that was filed and recorded in error from my credit report. I have tried to get this problem resolved by a dispute with Experian, and that did not resolve the problem. My credit report is inaccurate as a result, and this impacts my ability to apply for credit, and increases the price of credit instruments if I qualify for them. 
Experian claims they will only remove a lien if it says withdrawal or filed in error as the title of the document. California does not provide such notices. There is no statutory mechanism to withdraw a lien in California per the CA Franchise Tax Board ( FTB ). California code requires the CA FTB to document liens filed in error by a statement on the face of a release document, instructing the county recorder that the lien was recorded in error. As a result, no form available from the state of California would meet the Experian internal policy for removal of a California state tax lien filed and recorded in error since the only thing they consider is the document title. This is unacceptable. 
Experian can only report a valid recorded lien. If a lien release includes the legend " recorded in error, '' that means that the underlying event Experian reported was never reportable because the original recording was in error. The only way to correct the credit file is to delete the record that was created by the erroneous recording. 
The CA FTB website at XXXX confirms this line of reasoning, stating : " If we file or record a lien in error, we will : Release a lien as filed in error to the applicable county recorder 's office or California Secretary of State. 
Notify the credit bureau agencies and ask them to remove the lien from your credit bureau report. '' The CA FTB has notified Experian the lien was filed and recorded in error, and requested removal of the lien from my credit report. The CA FTB action was as described on their website listed above, and supported by the attached documentation. 
Experian did not comply. 
I attempted to get Experian to remove the lien, and provided supporting documentation. Experian did not comply. Experian disregards requests for re-investigation for a previously disputed item as described in the attached dispute cart printout. The Experian suggestion that I can add a consumer statement to the lien does not fix the negative impact on my credit score, or decrease the price of credit instruments if I qualify for them. All of this is unacceptable. 
Experian is the only credit reporting agency that continues to report the California tax lien on my credit file. XXXX and XXXX removed the item based on the same release with notation the lien was recorded in error. 
As a result of the above, I seek CFPB assistance with this matter. 
Thank you.
Product: Checking or savings account

On XX/XX/2024. I deposited XXXX checks in my captial one savings account ( # acct XXXX ). XXXX for {$2100.00} and another XXXX  for {$2300.00}, they were processed and I was notified that they will be fully available on XX/XX/XXXX. XX/XX/XXXX came around the funds became available and my captial one was locked after I tried to wire some of funds out of the account. Capital one did not do anything but say that they are ending my banking relationship without an explanation. I am without my money and I have a sick mother who I look at after. Its not fair.
Product: Credit card

On XX/XX/XXXX, I ordered a candle and sweater total of {$7.00}. I was waiting for the XXXX bill from the company because I was not sure of the exact amount owed. I had a {$0.00} Credit balance prior to this purchase. I had not received a bill from the credit card since XX/XX/XXXX. I did not receive emails from the credit card company. I also had an excellent credit score! I did not receive any communication from the company until XX/XX/XXXX, when I received 2 letters from the credit card company about 2 other accounts ( different stores ) that my credit limit was being lowered. I checked my credit report and saw that the account from the problem store was delinquent, and I owed {$34.00} due to late fees. This lowered my credit score to very good. I called the company and spoke to person that was able to remove the biggest fee, which let a balance of {$17.00}. I paid this fee over the phone. I was told to call the credit bureau in regard to my change in credit. I spoke to a person at the credit bureau and was told that I would need to talk to someone at the credit card company and have them remove the delinquent payment and notify the credit bureau. I called the company back and asked to speak to a supervisor or manager, I was told that there was no one on site to speak to. I was told to send a letter with my Social Security number, Date of Birth, name, address and account number to an address in Ohio. I did not send this letter due to concerns about identity theft! ny.
Product: Credit card or prepaid card

In XX/XX/XXXX, my mother and I visited a XXXX discount furniture for a living room set. We ended up purchasing a set and placing the cost on a installment plan with Wells Fargo. The first bill arrived at my mother house approximately 2 weeks prior to the first due date on XX/XX/XXXX. I, her son, am in charge of her affairs as she is an elderly woman and does not have online access or can keep up with payments. I tried to establish an account online to make the payment on XX/XX/XXXX. The security measures Wells Fargo takes to identify my mother made it impossible to establish an account. One manner was calling her with a numerical code so that I can establish the account online. My mother, being elderly could not understand the Wells Fargo call and we were not able to establish an account online. I called the Bank several times that day to authenticate my mother over the phone and receive a temporary password to establish the account. The representative 's response was that they were unable to establish the account and that my mother an I had to visit a local branch to remedy the issue. My mother and I both live in separate states and finding a local branch ended up being very burdensome. The following weekend on XX/XX/XXXX, we coordinated a visit to the bank, having my elderly travel to NJ in the process. The branch was able to talk to a representative that provided us a temporary password and I established an online account and paid the amount later that day. After all of the running around, Wells Fargo charged us a {$27.00} late fee they did not want to waive. I called several times on XX/XX/XXXX and they made the process of even speaking for my mother difficult, even after she stated over the phone that she allows my privilege to speak in her regard. The late fee is a result of burdensome practices that made it impossible to establish an account online. Given their background, this may be another possible way for them to increase income. I file this complaint to aid others with the same issue and give rise to potentially another scheme Wells Fargo is plotting to raise income.
Product: Checking or savings account

Dear Consumer Finance Protection Bureau, **Subject : Complaint Regarding Unauthorized Transactions and Inadequate Support from SoFi - Case # XXXX I am writing to file a formal complaint against XXXX regarding unauthorized transactions on my SoFi checking account and the inadequate support I received when attempting to resolve the issue. 

On XX/XX/year>, I noticed an abnormal transaction in my SoFi checking account ( # XXXX ). Despite having two-factor authentication enabled, an unauthorized individual accessed my account. At the time, my balance was {$530.00}. 

The unauthorized activity included a {$530.00} transaction to XXXX XXXX. Following this, the hacker initiated a {$5000.00} transfer from my principal XXXX  XXXX XXXX account to my SoFi account using the XXXX transfer function. Subsequently, two additional transactions of {$2000.00} each were made to XXXX XXXX and XXXX XXXX. 

All of these transactions occurred on XX/XX/year>. Strangely, the {$530.00} transaction did not appear as pending, while the others did. I attempted to cancel these transactions through the SoFi app and was only able to cancel the transaction to XXXX XXXX. The app did not provide the option to cancel any other transactions. 

At around XXXX XXXX  Central Time, I contacted SoFi customer service to report the situation and requested immediate assistance in canceling all transactions to mitigate my financial loss. Unfortunately, the representative could only open a dispute and assured me that the research department would get in touch. I reiterated my need to cancel the transactions, but the app failed to provide further details or allow cancellations. After a 44-minute call, I was given a dispute case number ( # XXXX ) and told to wait for further contact from the research department. 

Subsequently, I contacted XXXX  XXXX XXXX to place a stop on any money requests from SoFi. Thanks to their prompt action, I was able to prevent the {$5000.00} transfer. However, I am now faced with a negative balance of - {$1900.00} on my SoFi account due to the incompetence demonstrated in handling my issue. In addition to losing {$530.00}, I now owe {$2000.00} that I do not possess. 

I received a final decision from SoFi today, XX/XX/year>, stating that no error was found in their investigation, and no funds would be credited back to my account. This decision is unacceptable and fails to address the significant financial and emotional distress caused by this incident. 

I urgently request your assistance in thoroughly reviewing my case and seeking rectification of my account balance. I ask for your help in reversing all unauthorized transactions and reassessing SoFi 's security measures to prevent such incidents in the future. Additionally, I request copies of all documents used in determining the final outcome of their investigation. 

Please address this matter promptly to avoid any further escalation. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have had XXXX loans in the past and the initial loan taken out was charged for add in products as part of the loan process. I was not given an option to decline it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacting the credit bureaus XXXX, Equifax and XXXX XXXX for a long time now about the account named XXXX. I have contacted XXXX personally asked for validation of the account they are reporting to the credit bureaus. On or around XX/XX/2021 this account was removed from my XXXX XXXX account for lack of verification but for some reason XXXX  and Equifax repot keep lying stated that they have open an investigation but they don't give me any information far proof of what company XXXX has given them that's validated proof clearly this direct violation of 15 USC 1692 and should be handle immediately. 

Also Equifax has responded to my complaint via post card this also a direct violation of my right to privacy stated in 15 USC 1692.

there are also hard injuries that I have called Equifax about in which they lie and act like they don't have information to verify me on file. 

they won't remove address, names and hard inquiries that do not belong to be I will list them below. 

XXXX  had no problem most address but they too will not remove an address that does not belong to me attached is proof of the incorrect information and proof of my identity
Product: Credit card or prepaid card

On XX/XX/2020 my purse was stolen from my car with all of my credit cards, debit cards, Florida Sate License, social security card. Fradulent charges were made on all of my cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd like you to remove some information from my credit report because I do not recognize these accounts. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine
Product: Credit reporting or other personal consumer reports

XX/XX/2023 was applying for a pre-approval for credit card on for discover website informed there was no hard pull as soon as I applied i received a hard inquiry on XXXX certain also I could have gotten 2 more in queries hard pulls from other 2 credit bruras not sure have paid for the membership check don't know why they did soft when was not was just received on email through XXXX 5 mins later And discover did it back on the XX/XX/2023 on there website
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has claimed to contact me but unable to reach me therefore has violated my right furthermore by continuing to furnish information against me without my consent, knowledge, or written instructions. XXXX has violated my right to privacy furthermore by send forth my complaint without my permission. XXXX claims to have requested deletion of the account from my credit report from all 3 credit bureaus but has failed to provide valid proof. According to my rights and the law Once something has been deleted from my file it can not be added back. XXXX has stated that i am misinterpreting the law however Ive been studying all laws for over 3 years now. I am assure of my rights and how the law works. I am assure of how the law is enforced and whatll happen if ppl fail to comply. XXXX has stated they have contacted me in attempt to collect a debt a do not owe but was unable to reach me. However according to my rights a debt collector must not state they are in the debt collection business or not contact a consumer without prior consent. 

XXXX XXXX XXXX is attempting to collect a debt i do not owe. Ive never used this company or know anyone who has. They have violated my rights as well ; collecting information about me ( the consumer ) violating my right to privacy and furnishing information without my written instructions and consent. I now demand they stop immediately. 

Experian has violated my rights by furnishing this account and i demand it now be deleted immediately especially with XXXX  stating they have requested a deletion as well. This is not my debt. 

According to 15 U.S.C section 602 A states i have the right to privacy.

As well as 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent. 

15 U.S.C 1692c States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section also 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
Product: Debt collection

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

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

Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me, some with multiple dates of inquiries. I have had a security freeze on my credit report since XXXX due to identity fraud and request for anyone that pulls my credit that they should contact me. I sent certified letters on XX/XX/XXXX in regards to this issue and have not heard back from XXXX and Transunion XXXX They are all dated for the year of XXXX and XXXX. I would like for the below inquiries to be deleted. '' I have explained myself about my identity being compromised and a possible email being breached several times. I even had to call to remove addresses that I 've never lived. Please remove the below unauthorized and fraudulent inquiries or send me validation that these were authorized by me. Inquiries : 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 3. XXXX XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX