23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year>, I placed an online order with XXXX XXXX XXXX, located at XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, TX XXXX. I work across the street and used to eat there frequently. The online order processed under " XXXX '' with transaction ID XXXX for a total of {$11.00}. When I walked to the restaurant, the doors were locked with chairs stacked against them. No one answered the phones and several other people were standing out front confused. I ended up filing a dispute with my bank, SoFi. 3 months later, they have declined my dispute and refuse to look into it any further. A simple XXXX search will show that this location is permanently closed and the User reviews back that up. They have been combative and refuse to take any calls or respond further to my emails. It's not much money, but it's mine.
Product: Mortgage

In the beginning me and my wife agreed to certain things that was in this refinance application with American financing but near the end of the loan application they changed things without us even knowing that they did it and I asked American finance why did you change the figures without me knowing it and they said we guess it was just a error on our part this is XXXX of the reasons I canceled this contract but for some reason they sent me and my wife a a envelope todays date XX/XX/year> stating that it will be disbursement of all funds on XX/XX/year> I never signed new electronic signatures for this. Me and my wife 's also never signed documents for the notary that they sent to our house.documents with a notary that they sent to my house. But for some reason they are still trying to put this financing through without our approval up-to-date signatures and I spoke to the president of the company and I told him that I wanted to cancel and he said I will do it then the next day he went ahead and sent this paperwork contract to me and my wife the next day so American financing holding up to the end of the contractis they asked who referred them to me and I told them XXXX XXXX she mentioned they name but I'm going to contact XXXX XXXX and let her know that maybe she should think twice about referring people to this company the name of the presidents of the company is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2024 Dear, Equifax I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry XXXX XXXX  - Inquiry Date : XXXX XXXX- XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : XXXX. Unauthorized Inquiry : I have not given consent to Equifax or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
XXXX. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
XXXX. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. 
Please provide me with the following information upon completion of your investigation : XXXX. Confirmation of the legitimacy of the hard inquiry. 
XXXX. The source of the inquiry. 
XXXX. Steps taken to rectify any errors or inaccuracies in my credit report. 
XXXX. Verification of the removal of the disputed hard inquiry from my credit profile. 
XXXX. Updated copy of my credit report reflecting the amendments made. 
I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame.
Product: Credit card or prepaid card

Unauthorized charge on my card and care credit allowed the charge.
Product: Mortgage

The reason for this complaint is they claiming that I am 2 months delinquent, when I have XXXX submit a check from my account every month. Every month my payment is always sent from my credit union. My credit union does not lie. PM does.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, It was recently brought to my attention that Upstart had reported a late payment in XXXX of this year. I did not know about the late fee reporting because it does not display as late on my customer dashboard. However, this dispute is not about my customer dashboard being incorrect. In fact, my customer dashboard is correct. 

I entered into a hardship plan and Upstart deferred my XXXX, XXXX, and XXXX payments. This dispute is because Upstart should not have reported a 30-days late payment to the credit bureaus because there was no XXXX payment. This payment was deferred. I have a copy of my hardship plan along with screenshots of my customer dashboard, which clear shows : 1. The XX/XX/2021 payment was deferred 2. There are no late payments on my account. 

I have talked to an Upstart agent over the phone and sent two emails requesting the removal of the incorrect 30-days late reporting. Upstart has refused to remove the incorrect late reporting. They suggested I report the dispute to the credit bureaus, which I have done. XXXX has approved my dispute and removed the late fee reporting from their records. I am awating XXXX 's decision and XXXX will take longer because I had to mail in my backup ( their online customer portal was down ). 

I XXXX for a living, so it is easy for me to provide backup for my dispute. I can only imagine how frustrating this must be for someone who does not have the " ease '' of disputing an incorrect reporting. 

I have also submitted a complaint with the XXXX and now CFPB.
Product: Mortgage

Wells Fargo offered to refinance my home at a low interest rate and cash out part of the equity ( they currently hold the mortgage ). I paid the appraisal fee and had all paperwork completed on XXXX, and was told everything was a go -- that the appraisal would be done within two weeks, and then they would close the loan. Since then they 've stalled and delayed, telling me they ca n't do an appraisal. Now they tell me they wo n't be able to appraise the home until XXXX. Each time they push the date farther away. I 've already paid for the appraisal, and this is preventing me from going to other lenders. Their reassurances were that I 'd have my refinance finished in time to have contractors work on my home ( I have a leaky roof that needs to be repaired before the NW rains start ). Now it 's XXXX, I 'm no closer to closing this loan, and out several thousand dollars.
Product: Debt collection

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit card or prepaid card

I filed an Identity Theft report with the FTC and the IRS affidavit and provided the documents to the card company detailing the unauthorized transactions and provided the ftc form required to request that negative information not be released or reported to credit agencies. The subscriber has not cooperated with my request and has consistently changed the comments, statuses, or other information to circumvent my request to the point where they are deliberately trying to discredit me. I have requested all the relevant information from the subscriber and what they have reported to credit bureaus but still havent received any information. Im including my documents again as a final request before Im forced to pursue any other legal issues.
Product: Debt collection

Halsted Financial Services, a debt collection agency based in XXXX, Illinois has repeatedly calling me regarding a debt I apparently owe. However they would not provide me information about the account since I would not provide them with my full Social Security number. They have called me twice on Saturday XXXX XXXX, XXXX using two different phone numbers, XXXX ( XXXX is the time of call XXXX and XXXX ( XXXX is the time of call ). 
The debt collector I have spoken with is named XXXX. He has said my name and the last XXXX digits of my Social Security number but I did not provide him that information because I do not know who he was or that of his company. XXXX also refuse to provide me with the account after I told him that I was sending his company a cease and desist letter in the mail. 
I want to seriously file a complaint with this collection agency because I have done it before with them early this year due to the excessive phone calls and harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS AUTHORIZATION TO PROCEED, THEN I XXXX TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior XXXX member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX 1970 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  account XXXX number XXXX accounXXXX XXXX XXXX XXXX number XXXX and account XXXX number XXXX has violated my rights.

Law 15 U.S.C. 1681 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I opened my computer to find two charges totally nearly {$2000.00} charged on our Chase Card, that services Amazon Prime. I called it in to Chase and they reported it as fraud. Later that day, a {$60.00} and a {$200.00} charge to same card. I reported them. That particular account was cancelled. On XX/XX/XXXX, {$990.00} was deducted from our personal savings acct. at XXXX XXXX  in the form of a XXXX XXXX XXXX. I worked with our bank and we were reimbursed for that. Today, XX/XX/XXXX, there are four {$25.00} gift cards from Amazon charged. The first account was cancelled and I have not even received the new card yet ( which I had them cancel also ) How can this be happening if I don't even have an active credit card for the account???
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX reported as charge off with balance but 3 credit bureaus report different credit limits! XXXX   XXXX reported as charge off when In fact I was never late.. I paid the account on time until I was able to fully paid them. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Credit Bureaus violated federal law by not properly investigating within the required time frame
Product: Credit reporting or other personal consumer reports

I have been enrolled with Discover repayment program for the past 4-5yrs. This program assists with the repayment of the account with no interest and to maintain good credit status with credit agencies. I have never been late on the monthly payments in the amount of {$94.00} per month that automatically deducts from my bank account. I successfully reached the end of the repayment term with only two payments remaining for the months of XXXX and XX/XX/XXXX. In XX/XX/XXXX, I had received a statement that reflect the remaining balance. I contacted Discover just to verify remaining balance and the customer service representative confirmed. I inquired since my normal monthly payments were setup as {$94.00} per month, there would eventually be an over payment and how does Discover handle the overpayment. The customer representative agreed that there would be an overpayment and gave me the option to either continue making the last two payments ( XXXX and XX/XX/XXXX in the amount of {$94.00} each ) and Discover would mail me a refund. The second option would be the customer service representative can manually modify my last two months payment to split into two payments of {$60.00} and XXXX for the months ( XXXX and XX/XX/XXXX ). I opted to accept the second option to avoid overpayment. In XXXX, I received a credit report alert of my credit score ( decreased approximately by XXXX points ) with XXXX and XXXX had adversely been impacted by a past due payment status with Discover. My Experian credit score went from very good to below average. My XXXX credit score went from good to fair. I was shocked! As mention before I have NEVER been late or paid less than original repayment monthly amount since enrolled in program. The customer service representative NEVER communicated that if the last two months payments are modified that my credit status would be negatively impacted! I would have NEVER accepted that option that she gave me. Discover should be ashamed to treat me this way when I have paid according to the repayment program and why would I risk my good credit status on the last XXXX final payments of the program. Discover should be held accountable for the negligence of their customer service representatives. I want the negative past due status removed from credit agencies and revised to current and always paid as agreed for this account. I want my credit score points that were lost to be reinstated.
Product: Debt collection

Wrote a letter for Debt validation never received the validation, Once I started disputing it the account went from Open to closed with a balance Im not sure if I even owe this debt or if they are authorized to be collecting this debt, I contacted the original creditor they couldnt find my name in there system to say I even owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

They decreased my score for no reason, I had no changes to my debt, on time payments, no debt, recently I received a letter that someone hacked my personal information on Experian and they disconnected my linked XXXX XXXX XXXX XXXXhat was linked for Boosting and was unable to re-connect so I am guessing now they will decrease my score, my score was XXXX a month ago they decreased it 8 points for no reason and now they increased it to XXXX, now boost got disabled by Experian system not by me, they have no phone support unable to speak to live person, dispute center is a complete headache, I been paying attention to every move their system is making and lately they seem very fishy and makes no sense.
Product: Credit card or prepaid card

I was charged {$190.00} and {$59.00} on a PayPal Debit Card for purchases that I cancelled before shipping due to the cost being misleading by the vendor. The vendor shipped the package but I refused delivery. Although I've contacted the vender on numerous occasions, the vendor has not responded. I filed a dispute with PayPal on XX/XX/XXXX supplying all the communication with the vendor as well as proof that I did not accept delivery of the product. The status on PayPal indicates that a review would take approximately 5 days, but as of XX/XX/2023, the review has not taken place. I've attempted to contact PayPal but have only been able to 'communicate ' with bots. At one point, I was directed to open a chat through XXXX which I did. I was communicating with an unknown person on PayPal 's XXXX page with no resolution. I opened a private chat on XXXX and was communicating with an XXXX and a XXXX and was told that the issue would be transferred to the 'relevant ' party, however, the issue still has not been resolved or reviewed by PayPal . The account can be identified by my email address of XXXX. I'd appreciate any assistance in getting the charges refunded since PayPal is not responding and I've been unable to communicate successfully with a live customer service agent.
Product: Credit reporting or other personal consumer reports

I have an experian account to freeze and monitor my credit. On XX/XX/XXXX I received a " vehicle detected '' email telling me that " There is a car that matches the info in your Experian membership. Sign in to confirm it's yours and check out free auto benefits. '' I was initially very concerned that someone had taken an auto loan in my name. It turns out this is a marketing email to try to get me to use their auto services. Since I ( and many people ) use Experian ONLY to freeze and monitor my credit, this feels like a very deceptive way to go about marketing this product. I only have this account for the purposes of freezing my credit. 

Additionally I am not the only one to be receive these unwanted emails and have the same reaction : https : XXXXXXXX XXXX XXXX XXXX Some comments from those threads : " Just got this, too. XXXX XXXX XXXX. I've never owned a XXXX. Looks like a pretty lame attempt to get us to agree to use one of their car-related services. But it's gross because given the context, for a moment you think someone has opened car loan in your name. 

Worse, even after you click " This isn't my vehicle '', it presents a popup suggesting that you've maybe just paid off the loan. You can click " Remove vehicle '' but then it wants you to agree to sign up for whatever XXXX product their selling before it actually takes. If you don't follow thru, the car just remains. '' - XXXX  ( XX/XX/XXXX ) " Just received this email from Experian. Sign in to confirm your car. 

Their email subject lines are the ABSOLUTE WORST because they are worded in a way to force you to become alarmed and frightened that your identity has been stolen. 

What they are really doing is trying to monetize, sell, and get referral commissions off of your information. 

I have credit alerts set up through my bank which word their monthly credit emails WAY BETTER than Experian. Congratulations, your score has increased or No updates to your credit file this month. 

I would think a credit bureau would be less XXXX  and not try to bait you into getting a panic attack from false alert messages just to try to get you to sign in to the Experian website. Then they hope that you will use their links to get an auto loan or use their link to purchase a car through a preferred dealership or purchase car insurance from another preferred company. Which by the way Experian is getting referral fees, kick backs, and affiliate commissions from. '' - cbtraveling ( XX/XX/XXXX ) " I got the email and there were XXXX cars there I dont own. I removed them. Then I came here because I was concerned someone took out a car loan in my name or something. Is this an advertising rouse to get you engaged? '' - XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several inaccuracies on my credit reports for Equifax, XXXX and XXXX  and have not heard back from them in over 60 days.
Product: Credit card

Tuesday XX/XX/year> my wife and I had at appointment with Wells Fargo to add my son as an authorized user to my existing card. This appointment was at XXXX MT with XXXX XXXX at XXXX XXXX XXXX, XXXX, CO XXXX. At the appointment, XXXX informed me of the " Wells Fargo Active Cash Credit Card '', which offers 2 % cash back on general spending. Additionally, this card would give {$200.00} additional cash back if i spent {$500.00} on it in the first 3 months. 

I agreed to submit an application for the " Wells Fargo Active Cash Credit Card '', signed for it and was informed it was approved. Later that day, at XXXX XXXX called me informing me he had submitted my application for the " Wells Fargo XXXX XXXX XXXX '' instead of the " Wells Fargo Active Cash Credit Card '' due to an error on his part where he clicked incorrectly. I have since spoken with him and Wells Fargo Support and been told the following : 1. They can not switch the card type until it has been active for 6 months.

2. I will not be eligible for the {$200.00} of cash back if i spend {$500.00} in the first 3 months of having the card, 3. They can not void/undo the application and its impact on my credit as its already been submitted and approved 4. They repeatedly agreed on the phone this is an error on their end. 

I did not every agree to the application XXXX submitted in my name for the " Wells Fargo XXXX XXXX XXXX '', and did not consent to the application being submitted for this card under my name. Wells Fargo 's inability to resolve this issue, forcing me to take a credit hit for their mistake that negatively impacts my financial well being is unacceptable conduct by a large national bank.