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

In accordance with the fair credit reporting act XXXX  Account, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX, account # XXXX, XXXX account XXXX XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account # XXXX, account # XXXX. 

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

15 U.S.C. 1681 section 604A. section 2 : It also states a consumer reporting agency can not furnisha account without my written instructions.
Product: Mortgage

In XXXX & XXXX we had experienced financial hardship due to unexpected medical bills for our XXXX daughter. We also most recently in XXXX have experienced a change of jobs and reduced income. For the last XXXX years we have applied for a loan modification with our bank XXXX times with no success. We were referred to you by a local attorney. 

Thanks,
Product: Money transfer, virtual currency, or money service

I was offered concert tickets via a direct message on XXXX. I completed the transfer using Paypal for {$63.00}. I found out immediately that it was a scam and fake tickets were sent to me. I called XXXX   to confirm. They told me it was a scam. I filed a grievance with Paypal, and they closed the case saying that they were denying my claim. The person to whom I sent the money has not responded to my requests for a refund. The person 's name on Paypal is XXXX XXXX XXXX XXXX
Product: Debt collection

I started receiving an statement from Fortiva Bank that I have outstanding debt with them, problem is I dont know this bank at and I never heard of all. I talked to them to clarified the debt and we think that someone is using my identity illegally. I have med complaint with our local Police Station have the report copy from them. I want to clear my name out of this as soon as possible. Thanks
Product: Credit card or prepaid card

In XX/XX/XXXX I enrolled to an offer of US bank  : Earn a {$20.00} statement credit when you spend {$150.00} at restaurants XX/XX/XXXX through XX/XX/XXXX. 

I met the spending requirements before XX/XX/XXXX. However US bank did not post {$20.00} statement credit. 

I called back on XX/XX/XXXX and XX/XX/XXXX. US bank still refused to post statement credit. Their representatives were extremely rude. 

The ticket number is XXXX and confirmation number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries appear on my account. These were not made by me and the credit issuer was unable to verify that it was me. I contacted the credit bureau each time to make sure the security freeze was still active since no one tried calling me to verify. 
TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX contacted company paid fraudulent charges to have it closed down. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit card

Chase Bank : from XX/XX/XXXX to XX/XX/XXXX are misreporting that they wrote off the amount of the credit card. When it was actually sold to XXXX XXXX. I dealt with XXXX Collections and they are no longer on my credit report. However, Chase Bank refuses to change status to sold.
Product: Payday loan, title loan, personal loan, or advance loan

I had a line of credit for home improvement as part of a deal when purchasing windows. The lender was Wells Fargo. I paid off the loan in XXXX of XXXX and requested that the account be closed as I was no longer in need of that account. Today, XX/XX/XXXX, I received a statement email referring to that account. There is no balance but the account should have been closed 11 months ago. I have had many difficulties with this bank over the years and this is really the icing on the cake.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on 01/13/23, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX Balance : {$29.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}
Product: Credit card or prepaid card

Hello My name is XXXX XXXX I have credit card for the limit of {$4900.00} with Capitol One I have had the card since XXXX, I have good payment history until the pandemic hit I experienced fraud so I used my card to survive at the time. The compliant I am submitting that Capitol one have been providing misleading information about my card and about programs I was told that I had 180 days to get my card together and that I was only at XXXX days. I was told that I could still utilize my card and it was not canceled. On XX/XX/XXXX I called in after making payments to get me current I was told it was a rule called the XXXX  day rule that they permanently restrict the account. This was my first time hearing this they had been telling me that my account is open, its being reported open to my credit as well adding high interest. I asked them for information to support what they were saying. I was sent a credit card agreement that never stated XXXX day rule it states XXXX day rule. So then I asked so why would you guys sit there and report the card open and I am not able to use it? Nothing in the agreement or on the website states anything about restrictions or soft closings. The account specialist did not have much information to provide she could not answer any of my questions, all of them gave different information, then they based the decisions on computer system but could not explain the results. I was also told that because I had them on do not call they did not tell me about any programs to get me on track when I called capitol one and asked. I had been calling them for months it was no letters sent out to support any soft closing or restrictions information, they then went and updated my account after being on the phone with them for hours saying it was restricted. I have pictures and also the credit card policy along with pictures I took off line. I feel discriminated against and believe they are practicing misleading scams on reporting accounts open they have closed to sit and build up interest with notifying the customer the account is closed, I have been calling them for the last 8 months. I was never notified of restrictions and now that I called and spoke about it they have put the notification up on my app. I have attached photos and if you need to see the timing of the pictures I can send them as well I screened shot them from cell phone
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the creditors and collection agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account. Please provide verification, method of verification XXXX XXXX XXXX  XXXX XXXX # XXXX This account is closed but reporting negative information on credit every month on XXXX. The account was deleted from XXXX  and reporting no payment history on Transunion. This is information is inaccurate and not my account account, please removed.
Product: Mortgage

I received a letter about refinancing my home, I called in around the first of XX/XX/2021 to see what rates they had, the rate I have is better so we decided not to. When the Pennymac agent asked me why I wanted to refinance I advised it was to get the mortgage insurance off the account. He sed that due to the Loan to Value ( LTV ) of my home and the market I would be able to get that removed after my next payment. 

I called in again on XX/XX/2021 to start this process and was told no. 

After escalating to a supervisor ( XXXX XXXX EXT - XXXX ) I asked to submit a Unfair, Deceptive, Acts, and Practices ( UDAP ) case she sed she would review the call and give me a call back with her findings. 

I called again on XX/XX/2021 to talk to XXXX and was unable to get though so I escalated again to ( XXXX ) and was again told I would get a call back and never did.
Product: Consumer Loan

I went to purchase a new vehicle and authorized the dealer to check my credit. I now have XXXX inquiries on my report although I only authorized XXXX. It has severly damaged my credit score. Equifax is showing XXXX recent inquiries.
Product: Credit card or prepaid card

I noticed a invalid inquiry on my credit report for an account I did not apply for dating XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I requested my Disclosure from XXXX Pursuant 15 USC 6802 ( b ) which was not provided to me as per federal law. The law is explicitly clear that before a financial institution discloses any consumer nonpublic personal information, they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. I also requested any documents and disclosures sent over from XXXX to the credit reporting agencies and they did not provide me with anything. I stated what happened requesting my nonpublic information be deleted from my consumer file, I was told to send in a dispute letter which I did yet all the accounts are still being reported on my consumer file which is against federal law.

I AM ENVOKING THE SPECIFIED REMEDY THAT I PREVIOUSLY DENIED WITH HOLDING MY DISCLOSURES, Pursuant 15 USC 6802 ( b ).

PURSUANT 15 USC 6802 ( B ) I a living breathing man hereby exercise my right and specified remedy to OPT-OUT of having the account with my nonpublic personal information reported.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XXXX XXXX Transunion XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX of Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries, and I am requesting that they be removed immediately. 

The inquiries in question are : Transunion inquiries XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized inquiries highlighted for your reference. Please notify me in writing once the inquiries have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

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

I appreciate your taking the time to DELETE 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Paid last month of rent at apartment complex and moved out, debt collection agency took over fees I did not know about and placed {$12000.00} in collections on my credit report without any written notice or validation of debt. Company is named Hunter Warfield and has harassed with phone calls which I would not answer unknowing if it is a scam.
Product: Credit card

1. My balance on Wells Fargo Visa, that I have had for 30 years, according to my rolling balance was a bit above the credit limit on XX/XX/2024 ( $ XXXX {$32000.00} ). 
XXXX. I paid the rolling balance of the credit card, {$33000.00}, with a transfer from XXXX XXXX on XX/XX/2024. 
XXXX. Wells Fargo posted the payment on XX/XX/2024 to my credit card acknowledging the payment of {$33000.00}. 
XXXX. I did not realize that Wells Fargo had " frozen '' the cards credit availability until I was on a trip abroad and I was declined for a minor transaction. 
XXXX. I called Wells Fargo immediately to determine a cause to the issue and was told I would need to check with XXXX XXXX I inquired with XXXX XXXX  and they said the transaction had gone through with no issue. XXXX XXXX  told me Wells Fargo had the payment I made on XX/XX/2024 and that it posted XX/XX/2024. 
XXXX. I called Wells Fargo back, several times, and was told that no one really " understood '' why my credit was " frozen ''. On one of the last calls I made I was told that I could submit " proof '' that the funds I paid my Wells Fargo credit card with were actually mine. I was also told that my credit would not be relinquished until XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the message I keep getting from Experian. They are the only one that keeps reporting this false information. They continue to say that they are using a company to verify this information. The company that furnish the information is not affiliated with a court and is not a legitimate authority to verify the existence of a record. 

I have contacted the court and they have confirmed to me that they never verified no such record nor received any contact from Experian during any credit dispute investigation. They stated that they do not release any such information to the public and are not responsible for anything like that reporting to any online site nor credit reporting agencies.The court clerk told me that XXXX or XXXX XXXX neither are associated with the court. XXXX XXXX does not report a Bankruptcy Therefore your response to my initial dispute where you state that the information is verified is either a lie or an error. 

Experian did you verify this record with the courts as required? Please provide detailed explanation of your FCRA complaint investigation. 

It is only fair that in accordance with Section 16 18 A5 of the FCRA that you delete this record immediately and send me an updated copy of the credit report. 

I worked for the XXXX XXXX XXXX in XXXX XXXX XXXX. My data was compromised by the XXXX hacking of the OPM database where all personal details for the lives of XXXX XXXX XXXXXXXX XXXX is held. My addresses and account info was all sent to the Dark Web and used for so many scams and identity theft. Someone else did this to hurt me. 

I am also a XXXX XXXX in the U.S, just XXXX me. People are always attacking my identity and doing things in my name. 

Also see my attached birth certificate. My legal name is XXXX XXXX XXXX XXXX. Any an all legal documents that I sign by hand with authority to bind to an agreement as signed as such. The record you are using the verify and add this to my account is not only against FCRA protected privacy, but It is also Not accurate as There is no way the record has my name on it because its not mine. Please delete it immediately. 

I am a XXXX percent XXXX veteran. Please stop hurting me, I am facing serious health issues and having an accurate credit report is essential to my survival to secure financing for my health issues. 
____________________________________________________________________ From Experian : Your Bankruptcy Dispute has been updated. 

The dispute for the bankruptcy named XXXX XXXX XXXX XXXX XXXX  was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Court Name : XXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX Type of Record : Bankruptcy Reference Number : XXXX
Product: Checking or savings account

I have been experiencing problems linking my bank account to outside sources. There is a connectivity problem or my bank has done something that will not allow me to link.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX : XXXX  XXXX
Product: Debt collection

I owed bank of america credit card and I agreed to pay and for payment to be deducted from my bank account automatically and it never did they did send me to collections even when I was willing to pay an amount to them to settle
Product: Credit reporting or other personal consumer reports

I looked at my report and it's not accurate. BANK OF AMERICA account with a balance of approximately {$460.00}, and account number XXXX. I do not recognize this account and do not owe any money to it.
Product: Credit card or prepaid card

I never ask for this card never received this card. Its not me
Product: Credit card

A bank of america credit card was opened fradulently under my name. I have tried to contact bank of america XXXX XXXX about this issue. This card was open fradulently. I never opened a credit card with them.The account in question was opened without my authorization, and I suspect identity theft.The account is negatively affecting my credit report.
Product: Mortgage

We have had a mortgage in good standing with SunTrust bank, which became Truist. Our first payment to Truist was due on XX/XX/XXXX. 

-I submitted the payment on XXXX from the same bank account I had always used to pay our Sun Trust mortgage bills, which has adequate funds to pay the loan. 
XXXX XXXX we received notice that the payment had been returned. 
XXXX XXXX we resubmitted payment, assuming that we had entered the number wrong. We received email confirmation that the payment was received and our online Truist account showed a balance of {$0.00}. 
-On XX/XX/XXXX we received an email from Truist saying that there was a problem with the payment and that it had not been processed. 
-On XX/XX/XXXX we received a letter from Truist that our automatic draft had been canceled and that this may affect our credit score. 
-On XX/XX/XXXX, before making any calls, we looked at our online Truist account, which showed that our payment had been received and that we have an outstanding balance of {$0.00}. ( XXXX attached. ) Our bank account shows that no payment has been made to Truist. 
-On XX/XX/XXXX we called Truist. After waiting nearly an hour, we were told that our Truist account shows that we've already paid for XXXX, despite the letters we've received in past days and even though we can see that the payment has not come out of our bank account. Before we could sort out the problem, the customer service representative transferred our call to another person whose number wasn't in service and the call disconnected. 
-After waiting on hold for another 30 minutes, we finally reached another representative who insisted that our bill had been paid, despite the fact that we had received an email the day before saying that there had been a problem with our payment, and despite the fact that the funds have not been debited from our bank account. We finally just submitted an additional payment for the full monthly mortgage and received an email saying that our payment is being processed. 

We can only expect that this payment will also be rejected. Given the timing of past transactions, we will need to wait an entire week before we receive notice one way or another. We have confirmed multiple times that we're using the correct bank account information and that we have adequate funds. Meanwhile the bank is unable to even confirm whether our payments have gone through. 

We feel trapped. Our credit scores are at risk, and we face the prospect of exorbitant late fees. We've been trying for nearly 3 weeks just to pay our mortgage. It should not be this difficult.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts and inquiries listed on my consumer credit report referenced below, which are the result of a data breach or fraudulent activity. I also demand verifiable proof, including my signature or electronic signature, to support these actions. 

This letter is being submitted directly by me, not through a third party, and I request your careful attention to its contents. I did not authorize these actions, which violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, this includes Section 605B [ 15 U.S.C. 1681c-2 ], which addresses the blocking of information resulting from fraud or a data breach, and Section 604 [ 15 U.S.C. 1681b ], which outlines the permissible purposes for accessing consumer reports. 

I have already contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof from the reporting entities. The accounts and inquiries in question are inaccurate, unauthorized, and result from either a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers.
Product: Checking or savings account

On XX/XX/22 I withdrew {$60.00} from a Chase Bank ATM at the XXXX XXXX XXXX, XXXX, CA location. I checked my account a few days later and saw an additional {$900.00} missing from my checking account. There were 3 additional transactions, {$400.00}, {$400.00}, {$100.00} that were not made by me. 

I filed a claim with Chase ' fraud department and was later denied reimbursement claiming that since the ATM code was entered, it was a legitimate transaction. They refuse to look at ATM camera footage that shows I did not withdraw the money. 

I followed up with the branch manager she confirmed it is a major problem at her location and to file a police report with XXXX and she will help reopen the claim. It was denied a 2nd time. 

A few weeks later after my claim denial a news report came out about that same location and other customers who have had the same experience. Criminals are using a flaw in Chase 's ATM chip scan feature to capture customer information and steal money from our accounts. 

XXXX XXXX XXXXXXXX I have filed my claim with Chase and it has been reopened and closed 4 times. I have yet to be reimbursed and other victims advised me to follow up here.