23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Good afternoon! Below I am writing the statement XXXX XXXX XXXX XXXX received a call from XXXX XXXX XXXX XXXX XXXX XXXX. During the phone call I was told that my account had been logged into a XXXX XXXX XXXX XXXX  and had been logged in for 37 minutes. I informed the representative who I later found out was an impersonator that I do not live in XXXX and have not accessedmy account via XXXXXXXX XXXX. He then said he would remove said person from the account and sent a push notification from the XXXX XXXX mobile app saying I needed to confirm the removal request. I did and then we ended the call. Later that night around XXXX I attempted to access my account via mobile app and was unableto log in. The next morning XX/XX/2024 I went into the branch and explained the situation I was told that a loan was taken out in my name through my XXXXXXXX XXXX  account for the amount of {$4500.00} and moved it to my checking account. Along with that whom ever was in the account moved money from my husband XXXX XXXX XXXX account {$1000.00} to my account, they continued to move {$100.00} from our credit card and {$750.00} all to my checking account. All of that money was then transferred to my XXXX and transferred to another persons XXXX I explained that I did not do any of this I then made a fraud claim in branch that same day. A few days later we were given a Provisionary credit for the amount of {$6400.00}. I called XXXX XXXX and told them that the loan was still on my account they informed me that they were still working on it I called again two days later and was given the same response. About two weeks later the credit was taken back in full and left both accounts mine being at XXXX XXXXXXXX and my husband at- {$1300.00}. We went in branch and explained the situation again and were told to file another claim. We filed again. I started receiving calls saying I was now responsible for the entire loan amount and have 90 days to get the account back in good standing or the account would be closed and the amount in the negatives would be sent to collections and hit my credit. I also received correspondence in the mail saying that both investigations showed no fraud. During this time I called the credit bureaus and froze my credit and also reported identity theft but not before the loan that was taken in my name hand hit my credit. Because of this we are now going through a financial hardship and has caused a strain on all bills, child care, and essentials for living having to use out credit cards for daily expenses and bills.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a credit reporting agency, for multiple violations of the Fair Credit Reporting Act ( FCRA ) resulting in significant harm to my credit standing. 

In reviewing my credit report, I discovered that TransUnion has listed non-mailable addresses on my credit report. These inaccuracies have adversely affected my credit score and financial opportunities. According to my assessment, there are a total of 18 violations of the FCRA by TransUnion. 

The FCRA mandates that credit reporting agencies, such as TransUnion, maintain accurate and up-to-date information on consumer credit reports. The inclusion of non-mailable addresses not only violates this requirement but also undermines the integrity of the credit reporting system, leading to potential financial harm for consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report obtained from your bureau and noticed the aforementioned credit inquiry, which I did not authorize or initiate. As a consumer, I have the right to accurate and fair reporting of my credit history, and unauthorized inquiries can have a negative impact on my creditworthiness. 



In accordance with the FCRA, I request that you conduct a thorough investigation into this matter and provide me with the following information : 1. Verification of the permissible purpose for the inquiry made by 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. Proof of my written consent, as required under the law, authorizing the inquiry. 

XXXX. Documentation validating that the inquiry was made lawfully, with proper adherence to the FCRA guidelines. 

Please note that I have not authorized any third party or entity to access my credit information, except in specific instances such as applying for credit or loan applications, which are not applicable in this case. 
Per the FCRA as a federally protected consumer i am now opting out of any and all authorization, I the consumer my have given you written, unwritten, verbal and non verbal per XXXX XXXX XXXX XXXX effective immediately and indefinitely I kindly demand that you complete the investigation within the timeframe specified by the FCRA, which is usually 30 days from the date of receipt of this letter. As per Section XXXX XXXX XXXX of the FCRA, I also demand that you promptly update and correct my credit report after finding that the inquiry was unauthorized.
Product: Credit reporting or other personal consumer reports

EXPERIAN keeps opening up disputes on my XXXX XXXX XXXX  without my request knowledge or authorization!!! STOP IT IMMEDIATELY!! I requested ONE dispute a week ago because XXXX XXXX WAS NOT reporting my on time payments and lower balances to experian and it's XXXX  my credit report score and ability to obtain credit and a roof over my head!! stop all disputes immediately UNLESS I REQUEST THEM IN YOUR WEBSITE!! I DOD NOT REQUEST THREE DISPUTES ON MILITARY STAR I REQUESTED ONE!! close it immediately and do not open a dispute unless i request it on your website!! stop it!!! my star card report on s now current!!
Product: Mortgage

My name is XXXX XXXX in my loan has been bought by LoanCare which is a terrible company to deal with along with the employee. They call me stating that I had a shortage due to the taxes going up in my area I made three separate payments on it in the last payment did not get applied so my mortgage went up I had to call the company several times and every time that I would speak to different representative they would tell me that they applied it which was never the case so LoanCare sends me out another statement saying that I have another shortage due to me changing Insurance Company the shortest was only supposed to be for {$360.00} they sent me a statement saying I owe them a shortage of {$420.00} which I have no clue on how they got the math because my last insurance was only {$870.00} for the year and my new insurance is only XXXX for the year. For the month of XXXX I paid an additional {$100.00} to go towards the {$360.00} shortage they did not apply and also told me that my loan monthly payment was a different amount because the first escrow shortage was n't paid which was incorrect. I have had to call LoanCare so many times and speak with so many different people they will tell you whatever it takes to get you off the phone and not seem to care at all about your loan nor your heart earn money so I spoke with a manager agent ID XXXX from LoanCare I just went on and made the full payment of the last escrow shortage that they told me I had in full so I would not continue to have headaches dealing with this company I really wish I can get my loan transferred to professional company I 've never had this many difficulties dealing with a mortgage company this telling me every other month I have a escrow shortage the mortgage banks already are robbing us blind we 're paying our homes off three times the amount that is worth just in intrest and it really should be against the law.
Product: Checking or savings account

My husband was allowed to open a account while closing another ( that was joint ) but the funds were in both of our names. How can that happen?
Product: Bank account or service

I opened a checking acct. # XXXX with Citibank and mailed them a check in the amt. of {$15000.00} which they received on XXXX/XXXX/16 They were supposed to credit {$400.00} to my account within 90 days So far they have not given me a XXXX even though 3 customer service employees have confirmed that I have met all the requirements to receive {$400.00} bonus. 
They keep telling me that they are doing investigation as to why their computers did not issue credit. 
Citibank can do all the investigation after they credit my account. It is not my problem that their system XXXX up. As a customer I really do not care how they program their computers and why they do n't work. 
Please help. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX P.S. - If you want to publish this complaint, please remove my name, phone # and Acct. # Thanks.
Product: Checking or savings account

I made a purchase with my card. There was more than enough money in my account but i was charged a overdraft feeThere was another occasion where i paid my insurer and i was charged me insufficient funds fee. Navy federal charged me multiple times for overdraft and insufficient funds fees.
Product: Mortgage

On XX/XX/year> hurricane XXXX caused 2 trees to fall on our home causing damage to the roof, side walls, ceiling and flooring. We filed a claim with our insurance which we then quickly received response from adjusters who came to assess the damage and send a check for repair. The check was signed by my husband and myself, but the bank where our loan is through, Wells Fargo, also needed to endorse the check. When we went to Wells Fargo to have the check endorsed, Wells Fargo informed us that we would need to fill out an affidavit and fax it to their property loss dept and then they would sign the check. When the affidavit was received by the property loss dept, the property loss dept with Wells Fargo then informed us that the contractors who were fixing our home would need to fill out XXXX forms, send in licensing information or liability insurance forms if they did not have a license ( in North Carolina if the cost is less {$30000.00} by law a contractor does not need a license ) and waivers of lean. Those items were submitted by the contractors themselves and once all of that information was submitted we were informed that we could have Wells Fargo 's inspector come and submit the information that the work was completed and as long as it was at least 70 % that the contractors would be paid. We were informed by property loss with Wells Fargo that when all of the paperwork from the contractors was submitted that the inspector would be calling to set up an inspection, and that the inspection was the last thing needed to get the insurance check endorsed. The inspector for Wells Fargo came on Wednesday, XX/XX/year> and submitted that the work was 95 % complete. On Friday, XX/XX/year> we called property loss at Wells Fargo to inform them that the inspection was done and we asked about endorsement for the check, to which property loss from Wells Fargo informed us that they needed information that had already been submitted 2 weeks prior. We were informed the only way to get the inspection was because everything was submitted and they are continuing to deny endorsement on our insurance check preventing us from paying the contractors who have finished their work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my Experian credit report online, for accuracy reasons, to discover that three negative items I had disputed two years ago have not been updated. I inquired on the website about this, and the notation only stated a bunch of par-legal jargon ' can not guarantee accuracy of report information ... ' whatever the heck that means. Upon attempting to re-dispute these 3 negative items, I received a web popup telling me invalid reason or response, please try again later. All 3 of these negative items are accounts that did not belong to me, or stopped billing me 2 or 3 years ago, with no letter or collections communication thereafter. 

I am at wits end on how to proceed further. Legal intervention is requested please.
Product: Bank account or service

Bank of America claims departments to request charge backs or disputes or frauds it 's such a hassle, then they say they are gon na do one thing and do n't or do the complete opposite.
Product: Checking or savings account

My account was open successfully then all of a sudden the company lock me out the account I provided documents and my account havent been restored
Product: Student loan

XX/XX/XXXX : applied via XXXX with a digital application to change my Income Driven Repayment Plan to the Income-Contingent Repayment Plan ( ICR ). 
XX/XX/XXXX : Received an automated correspondence from MOHELA, my loan servicer, that they received my ICR application. 
XX/XX/XXXX : Emailed MOHELA requesting an update on my ICR application, and that I be moved into a processing forbearance to qualify for up to 60 days of PSLF credit. Never received a response. 
XX/XX/XXXX : Has been over 10 business days since MOHELA received my ICR application, and my loan has still not been put into a processing forbearance.
Product: Checking or savings account

On XX/XX/2023 I went to chase bank because I have a checking account there and I am allowed to withdraw from my prepaid XXXX card so I went and I tried to withdraw the rest of my full paycheck which was {$1000.00} I was charged a fee of XXXX. I walked inside to the teller and did this. Their system was messed up and they were not able to give me my funds me thinking. My funds were still on my card. I went to go to another bank ATM to try to withdraw and it said I had no funds. I was very confused because I did not receive any funds at Chase so my money should've been still on my card, I looked online at my transactions on XXXX and Chase took out my money that I had tried to withdraw but their system was down. I went back to the bank spoke with the manager and said that if it shows in pending status still on my XXXX website, then that night at XXXX PM the Chase system should release the funds back, but I also had netspend on the phone and they spoke with the manager asking him if he could send some type of authorization that once the funds stop pending that they won't take the funds into their accounts and will release the funds back to XXXX the manager said that no he did not have anything like that and can do nothing. I asked him if there's a higher up, I can speak to you to get this fixed and he said no that there was nothing they could do that I had to file a dispute with my prepaid card but all I was doing with withdrawing my money from my prepaid card and Chase and because their system was messed up I was not allowed to get my Funds. 
If I did not choose to withdraw my money from the bank that day, I would still have my money on my card.I have contacted Chase on the phone multiple times I have contacted XXXX I have filed a dispute I have children and that was my full paycheck and now I have to wait for an investigation for 10 days until I get my next paycheck so I have to wait XXXX full month to get paid. I have bills due and now they are past due with late fees. I am not sure what to do. Chase is not helping me at all. I still have not received my funds. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT LETTERS TO THE CRA 'S ABOUT THE INACCURATE AND INCOMPLETE ACCOUNT THAT THEY ARE REPORTING AND REFUSED TO DELETE IT FROM MY CREDIT REPORT.I SENT EQUIFAX ON XX/XX/2021, XXXX ON XX/XX/2021, AND XXXX ON XXXX HAS BEEN OVER 30 DAYS WITH NO RESPONSE WHICH IS A VIOLATION AND NEEDS TO BE DELETED.I HAVE ATTACHED COPIES OF THE LETTERS BELOW AS WELL.
Product: Credit card

I have initiated an investigation for this certain account that is saying that i am late but i was never late and I always pay on time.
Product: Credit card or prepaid card

On XX/XX/2020 I charged {$10000.00} to my Citi credit card for dental services with XXXX XXXX XXXX. Several minutes later, I called Citi to cancel the charge due to the XX/XX/2020 dental appointment date and other negative issues linked to XXXX XXXX. I was informed by Citi that the charge couldn't be canceled.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

This was all XX/XX/XXXX XXXX purchased an XXXXXXXX XXXX XXXX  off XXXX XXXX  for XXXXwhich is XXXX, the seller was tatted up I tried to get a response from the seller after I bought the phone. I sent him a msg that day he never responded to me XXXX XX/XX/XXXX I canceled the order. I went to XXXX help to let them know that I would like to receive my money they told me from me canceling the order that they never received my money I then went to XXXX to see why the transaction was pending and they told me because they're waiting for the seller to respond I told them that the seller never received my money because I canceled it.so they wanted documents that I submitted and they're still acting like that's not good enough.so now I'm here to fighting for money that came out of my own pocket
Product: Debt collection

Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. CAPIO PARTNERS , LLC is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * Purchase Agreement * Evidence that vou are a licensed debt collector *Chain of Title *Proof that vou are license debt collector to collect in my state. * A requested copy of your XXXX Department XXXX XXXX and XXXX XXXX. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines deleted from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting Account abuse on my report with them per XXXX XXXX XXXX XXXX XXXX. I have contacted both the bank and XXXX   numerous times. They refuse to remove the information even though I have never had an account with XXXX nor have I ever abused an account. This is causing major issues opening a checking account anywhere.
Product: Credit reporting or other personal consumer reports

I am writing to report an unauthorized inquiry on my credit report. I recently discovered an inquiry that I did not authorize or have knowledge of this inquiry as a result of identity theft and must be removed no later than four ( 4 ) business days as per 15 U.S. Code sec. 1681c-2.

I have also requested the Federal Trade Commission 's intervention to investigate and rectify this matter promptly. 
Thank you for your prompt attention to this matter. 

Inquiry XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I Also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about the same alleged debt. I am requesting Immediate deletion of prior reporting made to any consumer reporting agencies, Experian, XXXX, XXXX and XXXX. You must Cease Collection efforts until this alleged debts is validated. You must show proof that you legally own this alleged debt and that it is accurate complete. thank you
Product: Credit reporting or other personal consumer reports

I Have inquiries that I NEVER applied for on my credit report, They include, XXXX on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX  on XX/XX/XXXX. I am a victim of identity fraud and I have a report. These accounts should be removed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I had 2 repossesions with Ford Motor credit co. both accounts are being reported incorrectly to the 3 credit bureaus. I would like closed dates and charged off dates verified by ford motor credit co . 
i have disputed these issues in the past and the only the thing that happens is they update the closed or charged off date to the current month and year of when they receive my complaint. How is this legal! 
last payment on both of these accounts was XXXX of XXXX and charged off in XXXX they are reporting charged off dates of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

1. I am a victim of CC fraud from Chase Bank. I closed my CC back inXX/XX/2024, paid off the balance in full yet b/c of CC fraud had a balance of XXXX that I paid off XXXX week ago. 

2. My XXXX credit score dropped XXXX points. Despite me paying off the balance. 

3. I came off a mortgage/loan from an XXXX XXXX XXXX who did not XXXX so I had to proactively contact XXXX XXXX to report the data to the XXXX credit bureaus back in XX/XX/2024 which also impacted my credit score.

4. What is the solution? I have NEVER been in CC debt, yet b.c of financial fraud I'm being punished by the system.