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

I was pre-approved and applied for the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. There was a hard pull on XX/XX/XXXX. 

My reference number : XXXX My application was denied and they said I could check why through a link. I went to the link and the application said it was in progress for a few days. I called them and they said I was denied because they could not pull my credit report or credit score. Both XXXX and Experian did not show I have a credit history. 

They kept asking me if I had a credit history or if I had a credit lock or freeze and to talk to XXXX or Experian. I told them I have over a decade of credit history, no locks or freezes ( verified by XXXX ) and can view my credit score on all three websites.

I was able to pull my free credit scores from all 3 agencies from the XXXX website. I pulled them and they first told me I could not email them. 

I called back a few days later and someone told me to submit them online. The online portal did not allow me to submit. Then I called back and they told me I could fax it to them. 

I faxed them my XXXX and Experian credit reports. They said they received them and once again it was denied because I was showing no credit history/FICO score. 

They said they could send it to their team to do a manual application and pull. So they did that on XX/XX/XXXX. I was once again denied because of no credit history/fico score. 

I have two hard pulls on my XXXX credit report ( XX/XX/XXXX and XX/XX/XXXX ). XXXX says because of the hard pulls, XXXX was able to get my credit report so there is no issue on their end. 

XXXX XXXX said they were not able to pull anything from Experian and I have been unable to get into contact with an actual person to talk to from Experian 's customer service. I have been trying for a month. 

XXXX XXXX says it shows I have no credit history or FICO score so that the issue is with XXXX or Experian. 

XXXX says that they use the XXXX and no FICO score so that XXXX XXXX should not be trying to pull a FICO. This does not make sense to me because why would XXXX XXXX not know this and try to pull FICO scores from XXXX XXXX says the issue is with XXXX, and I can't get into contact with Experian at all. 

I do not know which company to file the complaint with because they keep pointing fingers without escalating to someone who can investigate or help me.
Product: Credit reporting or other personal consumer reports

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report.I retrieved a copy of my credit report and discovered inquires that I have no knowledge of Because I did not apply for credit with any creditor or lender, I have also reached out asking that they remove the inquiry from my credit profile. Please launch an investigation into : XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Creditor information XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor information XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor information XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Creditor information XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Creditor information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Aside from verification of the debt, do not contact me about this debt. The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

X/X/2017-XX/XX/17 Multiple unauthorized inquires on credit file that I did not authorize. Credit bureaus keeps telling me to call the creditors but I have no accounts with the inquiries showing on my credit report that I have reported as fraud t.The only permissible purpose for pulling someone 's credit report is 1. firm offer of credit. 2 insurance 3. employment 4. court order. None of 4 do not apply to me. I have attempted to contact each credit inquiry on my credit report and my information is not in the their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure if this was caused by me losing my wallet, or being a victim of the dark web and/ or the Equifax data breach, however my identity has been compromised and the following accounts are unauthorized and unknown to me. Therefore, I'm demanding that these accounts be removed and blocked immediately from my credit files. 

1 ) XXXX XXXX  {$210.00} 2 ) XXXX XXXX  {$570.00} 3 ) XXXX XXXX XXXX {$5100.00} 4 ) XXXX XXXX XXXX {$380.00} 5 ) XXXX XXXX XXXX {$50.00} 6 ) XXXX XXXX XXXX {$1100.00} 7 ) XXXX XXXX XXXX  8 ) XXXX  XXXX XXXX  XXXX 9 )  XXXX XXXX XXXX  XXXX 10 ) XXXX XXXX XXXX  11 ) XXXX XXXX XXXX  12 ) XXXX/ XXXX XXXX
Product: Bank account or service

I bank with Wells Fargo. Have checking account and personal loan. I asked for extension. Havent paid for 2 months and they take the money out of my account. Claiming I authorized this by telephone with collection agent. Then they change the story to there is a clause in the loan agreement allowing them to go into my checking account and take whatever they can?? This seems illegal. Now I cant eat
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THIS ACCOUNT TO MY CONSUMER REPORT!!!!! EXPERIAN, XXXX, XXXX  ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. IM A PROTECTED CONSUMER AND KNOW MY RIGHTS!!!!!!
Product: Debt collection

IC Systems Inc. Put a collection on my credit statement for {$280.00} that is not mine.Called them on XX/XX/21 .They said they could not help me it is my problem to fix there mistake have to send letters to all 3 credit reporting agencies .Bad business practice. wrong XXXX XXXX!!!
Product: Credit reporting or other personal consumer reports

FOLLOWING THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX, ACCOUNT NAME : XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX IN COMPANY ), 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE INVESTIGATE THIS MATTER, THANK YOU.
Product: Credit reporting or other personal consumer reports

I have noticed on my credit report that there was fraudulent activity across all bureaus. this is affecting my ability to obtain credit
Product: Consumer Loan

I have a auto loan with Santander Consumer USA, originally brought by XXXX. My issues is when I had failed behind my payment back the later part of XXXX due to I was laid off but I did get my account to current in XXXX XXXX. At that time, I asked the representative if I pay my balance will that restore my account back to good standing and that it will be reflected on my credit report and updated. She said yes it will. On my credit it showed chargeoff and the representative stated that it will take about 5-7 business days for XXXX will update my credit so it will not reflect the charge off. Since I had brought my account to good standing and making my monthly payments on time, I just happen to look at my credit report a couple months later and I still see a charge off. I called XXXX and explained to them of what 's going on and the representative apologize and stated that she will sending a message to the credit department so they can get that updated. I was like ok, maybe something was crossed up in the system the first time of why it was n't done. I checked my credit again a month later and the charge off is still listed but it does show my payments has been reflected on the account. I called XXXX again and she transfer me to the credit department. The young lady then tells me that my account has been restored back to good standing and they see where I 'm making payments on time but the chargeoff will remain. I told her that do n't make sense and they still sending me monthly statements each month for my payment and also shows the payment receipt. Also I 'm about to obtain my payoff information. I told her that is not best business practice b/c even my account is showing good standing it should be reported to the credit bureau in good standing instead of it showing collections/charge off. This has been a negative impact on my credit big time and this company is not truthful and is not operating legally when it comes to consumer accounts of reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$90.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 



i need accurate data points 15usc i1681i this can not be 60 days past due, the payments were deferred for 6 months, this needs to be corrected XXXX XXXX XXXX XXXX XXXX XXXX ( Installment ) Accounts - Summary Equifax XXXX XXXX Last Updated XXXX, XXXX XXXX XXXX XXXX, XXXX Payment Status Pays account as agreed Paid or paying as agreed This is an account in good standing Worst Delinquency 60 days past due 60 days past due No update received Balance {$30000.00} {$30000.00} {$30000.00} Credit Limit XXXX XXXX HISTORY OLDER DEROGATORY EVENTS MORE DETAILS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, Wells Fargo Bank took online {$680.00} for an appraisal fee from my credit card, then cancelled my XXXX-approved loan based on information unknown to me. 

The XXXX Refund department, which I called, checked my docs and said, " Yes, you are entitled to a full refund- the file says the Appraisal was not done and the loan was cancelled. '' That was supposedly a " recorded '' conversation. 

The friendly loan officer who had approved my loan in early XXXX, now snide and condescending, has said I wouldn't get a full refund- they had expenses to take out. I was set to close until FHA notified me I would have to get into Student Loan Rehab with XXXX. XXXX to not be in Student Loan default after XXXX CARES ended.

Further, new Student Loan Rules as of XXXX XXXX make it for the first time in my life feasible for me to pay back my loan AND have a very humble house, based on my income/debt. My only debt is in fact Student Loans. 

I signed with XXXX XXXXXXXX, gave my credit card as commitment to make payments, and they gave me a letter to satisfy the loan glitch which I sent to my Wells Fargo loan agent. 

The loan agent promised me a call back everyday for two weeks. He not only did not call back, but then went on vacation so no one else could help me. The day before the NEW RULES were effective, I received a letter saying my loan was cancelled for repossession of property, foreclosure. This is contrary to FHA requirements. 

I was never asked to disclose any such thing, but in XXXX, in another state, I was a kid with a private 13.5 % private mortgage and a private second mortgage, trying to have a middle class house. The whole deal lasted two years, and all judgments were immediately satisfied and recorded in the county. Otherwise, I have only spent two years in court beating off slumlords- who LOST their case and paid me {$6000.00} for illegal eviction.

Elsewise, it is I who have not been paid judgments owed to me, and I want Wells Fargo and FHA to produce their DARK information which is being used as a cheap ruse to whittle away a senior citizen 's father 's life insurance mortgage purchase money he left for her security.

Wells Fargo ignored the NEW STUDENT LOAN RULES, strung me along till the day before they went into effect, took the Appraisal Money, did no Appraisal and rejected the loan. FHA left me contact information numbers which did not exist. 

This demonstrates, even for the poorest mice, how we got this way. Wells Fargo dictates to the Government, as did their founders. THEY tell FHA what to do and should be investigated for manipulating their FHA loan servicing privileges. Predatory banks are not supposed to be allowed to work with special needs mortgage assistance programs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my FTC affidavit to the three credit bureaus XXXX and Trans Union Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then Transunion accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. The fraudulent account reporting is as follows XXXX  XXXX XXXX Date Opened : XX/XX/2017 Transunion also has has all these names on the file that has nothing to do with me XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy TransUnion accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. Enclosed is the letter I appreciate your prompt attention to this matter, and await your reply.
Product: Checking or savings account

My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : Please add this Your bonus offer code : XXXX for {$300.00} and add this Your bonus offer code : XXXX for {$120.00} because my old closed account never got XXXX applied when I open it up old account number is XXXX I want it to be applied for my new account ending in XXXX I want the {$300.00} code and {$120.00} code to be added to to the new checking account number is XXXX or if you cant add both just add the {$300.00} if you cant add the {$300.00} to the checking account number XXXX just add the {$120.00} if you cant add that to the checking account number XXXX or add a bonus code to the new checking account number for XXXX with a credit or bonus on it with money or give me a one time credit with money in the account for my issues yall give me for no reason etc or add alot of money like $ XXXX to XXXX or something like that or up to yall what ever yall can add to my account as a onetime credit to my new checking account number is XXXX for all the issues yall give me for no reason etc.
Product: Credit card

I was the victim of a robbery. That robbery lead to identity theft. That identity theft lead to temporary loss of access to funds. That lead to the temporary ability to pay by bills in a timely fashion as I normally had. That lead to one ( 1 ) negative credit reporting occurrence from Chase. The payment wad made as soon as it was humanly possible to do so. The same incident involved another credit card company and they were understanding and sympathetic enough to remove the negative credit reporting they had done. They understood the situation. I can provide the letter if you wish. I can also sign up for automatic payments or pay the balance ahead if that makes it better for you. Thank you.
Product: Checking or savings account

Us Bank Reliacard for PA PUA unemployment has on numerous occasions frozen my card without proper notification as well as emptied my account for XXXX on XX/XX/XXXX and supposedly sent a check for that amount, which I never authorized or requested to begin with, and I never got that check. They froze my card without notifying me from XXXX until XXXX so I could not access my funds which PUA PA Unemployment was adding my weekly benefits to every week. However USBank Reliacard would not let me access those funds. They told me I had to send in verification that I was indeed XXXX XXXX which I did numerous times. Then when they finally unfroze my card with in a week they then took all my money out of the account and put it in above referenced check that I never received that was on XX/XX/XXXX and they have still not fixed the issue or reimbursed me the money. Then yesterday 2 days before XXXX they once again froze my card without notification when I finally did get ahold of a representative they said I needed to once again verify my identity. They have caused me to get evicted from my home, gave me no type of reimbursement for money they stole out of my account. Now I once again can not access my money and they still have not sent me my XXXX that been missing since XXXX. I have not been able to pay my bills buy groceries get basic necessities all during a pandemic. They should be ashamed of the way they conduct business and should be shut down. They steal from vulnerable good people and do nothing to correct it.
Product: Credit reporting

XXXX XXXX was paid as agreed, settled in full. not paid for less than as being reported. need validated. date opened is wrong. lots of things wrong on the report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 2 separate accounts on my credit report since XX/XX/21. Since the initial letter that I sent on XX/XX/21, I have sent 3 more letters on 3 separate occasions requesting a real investigation be completed into these accounts. The second letter was sent on XX/XX/21, the third letter on XX/XX/21 and the forth letter on XX/XX/21. I have yet to received a substantial response about these accounts. My last letter I sent on XX/XX/21, I requested the method of verification for these accounts and have not been provided that information which is a violation of my rights with the FCRA. I feel like my request are being ignored. There are clearly errors regarding both accounts if anyone really took the time to do a real investigation. I have the right to complete and accurate credit report. And it is worth mentioning that I was affected by the Equifax Data Breach which is all the more reason that my credit report be completely accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in 3 letters with documentation to have incorrect information removed from my report that the legal officer on base gave me. I also received a letter from the XXXX XXXX bankruptcy department in regards to a bankruptcy that doesnt belong to me and since it wasnt verified by the courts. I know there is no way it was verified properly. I asked the courts to have it removed and they told me since they didnt report it they couldnt remove it. So I sent the paperwork in to Equifax and it is still reporting on my credit report after it was once removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX Account # XXXX and 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 instructions
Product: Debt collection

In XX/XX/2002 I was called by a company stating that they were Greatlakes, ( Greatlakes told me it was not them ), stating that if I paid XXXX dollars that it would be put towards my student loans and paying them of, and from there the loans will go into a forgiveness act that I may go back to school if I needed. I spoke with Greatlakes today and they stated that this was a private company who charged me for paperwork to do what I could do myself which is consolidate my loans. They did not help with the problem, but put me in more debt causing me to pay money that I intended to go directly towards my loan and interests. I don't know what to do from here, but I was given your information stating that you could help me.
Product: Credit reporting or other personal consumer reports

Your Account Information : Account Number : XXXX Client Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Financed Amount : {$690.00} First Payment Due : XXXX Payment Amount : {$94.00} Interest XXXX % Paid in Full : XXXX {$690.00} The first payment for this account was XX/XX/year>. To take advantage of the XXXX interest free offer I paid the account in full on XX/XX/year>. Instead of reporting it on my credit report as paid in full/account close, they reported it on all three reports as Charged-off. This reporting made it almost impossible to qualify for a VA home loan, because it dropped my credit score by XXXX points.
Product: Checking or savings account

1. Business Debit Card ; 2. Business Credit Card ; 3. Online Business Account Access Information Note : None of # 1-3 were provided and the bank closed the account without notifying and failed to refund the {$5.00} account deposit. 

Spoke to XXXX and later with XXXX ( XXXX XXXX Banker ) : US Bank does not intend to return the {$5.00} deposit and it claims there are Gold fees ( per month ) which was not communicated at the time of opening the account and no service was provided since XXXX XX/XX/year> with regards to the business account.
Product: Credit reporting or other personal consumer reports

I filled out a FTC identity theft report on XX/XX/24 to report potential identity theft affecting my credit profile. Upon reviewing my recent credit report, I discovered unauthorized accounts and transactions that strongly indicate fraudulent activity. I did not initiate or authorize these entries, confirming my status as a victim of identity theft. the unauthorized account and transactions are attached in the Identity theft report I have uploaded.