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

To whom it may concern I was checking my credit monitoring app. and notice some inquiries that I did not authorized nor did I give anyone the authority to open any account in my name. I then sent letters to XXXX, XXXX and Experian asking them to please!! remove this error off of my credit report. I never got a response back, I then call XXXX and talked to a representative and she inform me that the inquiries will remain on my credit report for XXXX years I ask the lady why If I never applied for anything why would it stay on for XXXX  years she said they do not have the ability to remove this from my credit report so I ask her can I speak to someone from the fraud department she said this is the fraud department and there is nothing we can do for you. The Inquiries are as XXXXXXXX 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 ). XXXX XXXX - XX/XX/XXXX ( XXXX ). XXXX XXXX - XX/XX/XXXX ( XXXX ). XXXX XXXX - XX/XX/XXXX ( Experian ) - ( XXXX ). XXXX XXXXXXXX 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 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: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXXXXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a student I was doing online classes through XXXX XXXX college. I was able to receive student loans to pay for my classes. My loans monthly payment amounts were minimal amounts that were paid every month. After being hired by the local police department, I qualified for a loan deferment plan. This plan allows my loans to be deferred every year up to ten years. Due to a time delay in the deferment processing in XXXX of this year my accounts showed late payments of 90 days. I was told all late payments would be removed from my credit report in approximate 30 days, but the late payments are still reporting. This has dropped my credit score about 70 points and has really hurt me trying to obtain credit for a new home and new vehicle. I would love to have this issue resolved as soon as possible. I have tried disputing these inaccurate accounts with the credit companies, but have not gotten anywhere.
Product: Credit reporting or other personal consumer reports

A notice was sent to XXXX  last year as attached that the report must be removed from my credit. I now have a letter from American Express and also a deletion from XXXX  attached below to show that this has been confirmed to be removed.
Product: Checking or savings account

Our company opened an account at Bank of America Merrill Lynch and we were using wire transfer to make payment. When making a wire transfer, a token is required for security purposes. In XX/XX/2019 our token was out of service.Then we contacted the bank to issue us a new one on XX/XX/XXXX. Per the banks 's request, we submitted a letter to explain the fact and asked for a replacement of the token. However, we have never received the new device. We have sent many emails to discuss but never got a reply. We then call them to see what happened. Everytime we call Bank of America, the customer service gives us a case number and promise the new token is on its way. But we have never accually received. It's been like 2 months and our regular payment and receiving are significantly delayed. 

We don't understand how could they so arrogant to the customer. That's why we are sending our complaint.
Product: Debt collection

PAYMENT ARRANGEMENT ARE SET UP AND CONFIRMED FOR BIWEEKLY PAY DATES FOR AMOUNT OF XXXX LAST PAY DATE WAS XX/XX/XXXX A PAYMENT OF XXXX WAS DEDUCTED FROM MY ACCOUNT AS PLANNED. BUT I NOTICED CASH CENTRAL ALSO DEDUCTED XXXX ON XX/XX/XXXX 3 DAYS BEFORE MY PAY DATE RESULTING IN A AVALANCHE OF OVER DRAFT FEES AND RETURNED PAYMENTS BOTH PAYMENTS HAVE CLEARED MY BANK AND I HAVE NOTIFIED CASH CENTRAL AND ALL I GET IS TRANSFFERED TO DEPARTMENT AFTER DEPARTMENT ONE EMPLOYEE STATED IT WAS A COMPUTER GLICHE AND WOULD IT BE RECTIFIED
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud charge from my XXXX  credit card to PayPal XXXX for {$720.00}.
Product: Credit card

XX/XX/year> the automatic renewal of my XXXX CITI credit card did not renew, not due to anything on my part, resulting in CITI canceling my account and keeping approximately {$700.00} in earned reward points. I attempted to re-activate the account and a number of other effort to resolve the issue with absolutely no support from CITI. This issue, again, was not on my part and between XXXX and CITI and the automatic renewal failed. 
In any case on numerous occasions I have asked for the reward points to be applied to my balance and I will pay remainder in full. There are no financial hardship and that has NEVER been mentioned. Againit is documented that I have offered to pay the remaining XXXX plus balance in full and has repeatedly been declined by CITI XXXX 
Last night a CITI rep called me and during the conversation stated that if I did not submit a payment they would submit paperwork stating I am going through financial hardship. This is a boldface lie and a threat to discredit me and ultimately a deformation of character.
Product: Debt collection

I rented from an apartment complex called XXXX XXXX  ran by XXXX XXXX XXXX located in California. I was a tenant for 2 years. Upon my move out the property XXXX went through my apartment and charged me for things that were clearly wear and tear items, like flooring a bathroom, mirror that had faded in some parts, a XXXX cleaning fee and other dubious /suspect charges. She told me that if I didnt pay it they would sue me ruin my credit and other harsh rhetoric. 
It was soon after this I started receiving calls from IQ data who posted this garbage on my credit report even though I disputed this garbage from this property XXXX. They sent me a boxed check letter which she filled out essentially saying XXXX owed this.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I made a wire transfer for the amount of US {$9000.00} using the Wells Fargo application online. 
Wells Fargo gave me a confirmation number ( XXXX ). 
The receiver never received ANY money. The recipient was XXXX XXXX, at XXXX bank in XXXX, account number XXXX. I got on the phone along with XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX verified that the account for XXXX never received any wire transfer for any amount on or around that date when I sent it. The routing number for XXXX for the transaction was XXXX. 

I contacted Wells Fargo and filed a complaint. They came back months later and said that the money was sent successfully. XXXX asked for trace, which Wells Fargo, supposedly initiated 3 times. According to Wells Fargo, XXXX never responded to the traces and there is nothing else that Wells Fargo can do. 

Wells Fargo indicated via phone that unless there is a court order, they can not give me the money back. I contacted various lawyers and they ultimately directed me to this site to file a consumer complaint. It's worth noting that escalated the issue at Wells Fargo multiple times. With each escalation, months and now years went by, with no resolution. 
They maintain that the money was transferred and provided XXXX XXXXXXXX and the trace numbers that they inititated and that XXXX never responded to. 
I shared those with XXXXXXXX XXXX and they said they can not do anything with those numbers. 

XXXX XXXX XXXXXXXX XXXX numbers : XXXX - initiated XX/XX/year> XXXX - initiated XX/XX/year> XXXX - initiated XX/XX/year> Wells Fargo specifically said that the the remitting bank and/or the beneficiary bank can both locate the wire with the information above, however, Wells Fargo simply deferred to XXXX and XXXX deferred back to Wells Fargo XXXX None of the banks is taking responsibility for finding my money. This is a large sum and it must be located and returned back to me.
Product: Mortgage

I wrote Rushmore loan management services and engaged them several times to state reasons why they changed my escrow to non-escrow and they have refused to give me any response. It all started when I realized that my property and casualty was canceled several months back for nonpayment when I filed a claim to the insurance company for storm and hill damage to my roof. Rushmore has since then refused to take responsibility for the cancellation and to take responsibility for replacing my roof. I wrote them again about the error resolution notice and they have still refused to reply to my letter since XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Accounts are a result of Identity theft / fraud. I am requesting to dispute. Attached are FTC Fraud affidavits supporting my identity theft. 

Creditor : : XXXX XXXX Balance : : {$300.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$410.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$980.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$180.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$600.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1600.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1100.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1200.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1000.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$2100.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1400.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1400.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$730.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1300.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$2000.00} Account # XXXX Creditor : : XXXX XXXX XXXX Balance : : {$790.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$120.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$230.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX XXXX Balance : : {$190.00} Account # XXXX
Product: Checking or savings account

XX/XX/year> : Customer Impersonation Claim ( by Wells Fargo ) {$21000.00} XX/XX/year> : Customer Impersonation Claim ( by Wells Fargo ) {$3000.00} I keep reporting Wells Fargo to the CFPB. Wells Fargo continues to follow up with my complaints with the same letter. I continue to follow up with Wells Fargo. I have never gotten more statements or explanations for their decision to authorize these 2 claims on my account. I do not trust Wells Fargo for many reasons which I have explained to the government but I am trying to establish trust with banking, which all of society should have. 

I would like Wells Fargo to respond to my claim appropriately.
Product: Mortgage

In XXXX  of XXXX my mortgage company XXXX stop accepting my payments which were sent on a regular basis then they proceeded with a false accusation of non-payment to create a foreclosure scenario only to discover that the payments I had made have been cashed but returned to me as if they were returning my money evidence will follow to this effect. Wire fraud may come into play because I use money orders they return the money orders to me with the letter stating we are returning your money when checked we found that the money orders have been cash but the money was not accredited to any account that I owe
Product: Credit card

I had a credit Card with Capital One making payments on time. The autorized user charged the card for a vehicle rental that was extended beyond the time. The bill ran up to {$1500.00} that was not avail on the card. The Capital One still approved the charge after I informed them that the charge was being paid in Bankruptcy. I made several request to deny the charge and reverse the charge. I submitted proof that the charge was being paid through bankruptcy and they ignored my letters and responded that my request was over 90 days which is incorrect. This charge remains on my account causing negative actions on my report. I was advised by the bankruptcy court that they should reverse the charge.
Product: Credit reporting or other personal consumer reports

I DID CONSENT TO AUTHORIZE NOR BENEFIT FROM THESE ACCOUNTS!
Product: Credit reporting or other personal consumer reports

**Please disregard my previous submitted complaints due to a typo error - ID FOR COMPLAINT SENT TO XXXX XXXX REPORTING AGENCY XXXX |ID FOR COMPLAINT SENT TO EQUIFAX XXXX |ID FOR XXXX SENT TO XXXX XXXX REPORTING XXXX I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the hard inquiries that I know are inaccurate and should be removed.
Product: Checking or savings account

on XX/XX/2023 I was informed by my employer that I was going to be laid off because of the company was bought out. In XXXX my former company mail me my severance check for 20 years of service. I had used my mobile application to deposit XXXX into my Truist account. After several day I was informed that my account was on hold due to a fraudulent check I did deposit into my account. Since then the current money in the account, plus the severance check and two more direct deposit checks from payroll from my new employer have been put in hold and a fraud case has been opened against me. I had showed to the bank the original check, a notarized letter from my former employer explaining the source of the check and some payroll documents. Truist did not want to accept these documents. I have a case number with them, but I have not been able to resolve the issue. I feel like I have been abused by their authority and I have not really got the answers from them in regard of what is actually the reason why they decided to do that. Since them my money is not accessible to me, and the bank do not want to help me out. I do not know where else I could turn for help. This situation is affecting me and my family. We are not rich and that money is very important for us. I am willing to provide more information, documents and anything else necessary to resolve this abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dated Fri, XX/XX/2020 addressed upon complaining with Synchrony and Lowes stamp if relaying XXXX XXXX XXXX florida XXXX Attn : Fair Credit Reporting I am being unfairly denied credit and see an in accurate piece of information. 

My name is XXXX XXXX XXXX and I am asking for a reason the credit has been denied during a application I personally made in the last 72 hours with Synchrony Bank and Lowe 's Credit. 

I have a score that's is XXXX or above yet Lowes reports the score at the number ( s ) XXXX. 

My score is XXXX with XXXX XXXX XXXX respective using the XXXX XXXX app which is very well established and reputable. In fact, my credit is updated everyday and everything looks outdated and inaccurate with the Lowes denial Synchrony ongoing hard even too recognize if understand problem. 

Why is an old in accurate record preventing myself from getting fair and accurate credit reported. A copy of this letter will be sent wearily if further access is not being provided to the board of credit to foil the old dusty gathering of information. 

I can tell you I have zero disputes, no frozen transactions, I've made over 60 months of payment ( s ), I am current and in more than satisfactory perspective upon typing Synchrony XXXX XXXX purchase, and I have zero credit blemishes. 

There is no true reason for the denial. At a bare minimum we can see from the described letter campaign beginning that the information was misjudged by XXXX and Lowe 's is grabbing old information ( I don't think this is a problem solution matter it's illegal and someone is foiling me when more robust accessible and bright information certainly has our perspective ). 

I think it's important that a bias does not have the beginnings of certain I'll will with XXXX. 

I have a XXXX score and that's Fair Credit not poor and is significantly higher than the inaccuracy unjustly reported if ever represented ( resources showing all this are included with photos from the 3rd week of XXXX is week LAST and JUST quite recent ). 

I am not illegal or soliciting anything but there is a problems which is zero respect for me from XXXX  and I deserve to have a moderate amount of credit. 

Thus far as you know, I am asking for justifications and logic because I deserve fair and accurate credit reporting, as we can always expect. 

Please help. I need as little as less than {$500.00} from Lowes and will sure is take what I can get. 

If a lawsuit may commence for discriminatory practices please let me know where to begin. 

THANKS for continuing the conversation, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX SOUTH CAROLINA XXXX cC : XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I tried to get my credit score online and with the company and they. Could not recognize or verify my SSN : keep giving me error message : Sorry, we can't show you today 's 3-bureau report.

This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.

With live agent could not resolve the issue either my identity has been compromised.

15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

*According to 15 USC 1681 ( 5 ) XXXX XXXX Transunion XXXX and XXXX have to modify or delete accounts that are not reporting accurately *According to 15 USC 1681b ( 1 ) XXXX, Transunion, and XXXX don't have no written premission *According to XXXX XXXX XXXX I have the right to privacy *According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. 

I can go on and on XXXX, Transunion, and XXXX have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY LOAN WAS SOLD TO A MORGAGE COMPANY CALLED NEWREZ. WHEN I CHECK MY CREDIT REPORT MY HOUSING LOAN IS NOT THERE. I HAVE LEFT MESSAGES ON THEIR ONLINE WEBSITE AND THEY HAVE NOT RESPONDED. I PAY ON TIME AND THIS IS EFFECTING MY CREDIT SCORE. THEY HAVE GONE BEYOND THE PERIOD THATT HEY HAVE TO REPORT THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed an inaccurate item on my credit report. However, I NEVER received any response back from Transunion concerning this matter ; therefore, I sent them a letter on XX/XX/XXXX requesting XXXX for them violating FCRA rules. Due to the fact, IT TOOK MORE THAN ( 160 ) DAYS AND TRANSUNION NEVER RESPONDED TO MY DISPUTE ; EVEN THOUGH THEY ONLY HAD ( 30 ) DAYS TO COMPLETE THEIR INVESTIGATION. Consequently, Transunion responded to my letter on XX/XX/XXXX by stating that the item was VERIFIED, which INDICATES that they NEVER read my letter because if they would have they would have none that I DID NOT file a dispute ; yet, I was requesting XXXX dollars because Transunion DID NOT complete their original investigation within the allotted time frame of ( 30 ) days. Therefore, I mailed a 2nd request for damages in the amount of XXXX on XX/XX/XXXX.
Product: Checking or savings account

I setup a new account on XX/XX/year>. I transferred {$3000.00} to open the account and then an additional {$22000.00} on XX/XX/year>. I received a new account bonus on XX/XX/year> ( {$800.00} ). Today, XX/XX/year>, I tried to transfer money out of the account. Tried linking my other bank. Tried XXXX. Nothing worked - all kinds of site errors. Called in to just cancel the account and get a cashier 's check. Was asked to confirm the phone numbers on my account. Was told there was another number on the account- the website my profile said otherwise. Now I'm waiting for a manager to call to get more information so I can close the account. 

I would like my money back.
Product: Credit reporting or other personal consumer reports

It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.