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

I am a XXXX citizen with a Wells Fargo bank account. I used to own a vacation home which has been sold. I need access to the account to move money and see my bank statements. Wells Fargo introduced an additional layer of security which involves texting a code to a cell phone number. My cell phone number is XXXX, the software they have does not recognise my number. The result of this means I cannoytt see my bank statement nor can I use the account to transfer money. 

I have spent about 10 hours making calls to Wells Fargo and I have now been told that my account will be closed and unless I am able to come to the XXXX I will lose my money. As I am sure you are aware due to Covid restrictions I can not fly to the XXXX. I have attemped to make a formal complaint and thus far I have been ignored
Product: Student loan

I only attended the college for 4 months and I am being charged XXXX in 4 separate loans.
Product: Credit reporting

Hopefully, I have chosen the right avenue to lodge this complaint. On XXXX XXXX, 2015 I walked into XXXX XXXX in XXXX, VA. My purpose was to purchase a XXXX Chrysler 300. When I arrived, I informed my sales agent that I had a check from XXXX XXXX to cover the purchase. Subsequent to agreeing on a price for the vehicle, the salesperson brought a document for me to sign. I looked over the document and notified the salesperson that I would sign, but I did not want the dealership to look for financing on my behalf. The salesperson assured me that would not happen. After about a two hour wait, I finally went into see the finance manager to finalize the transaction. About a week after I purchased the car, I began to receive notices from various lenders notifying me that they were sorry, but they could not extend me credit to purchase the vehicle. After receiving several more rejection notices, I checked my credit report and found out that close to XXXX inquiries had been made by the dealership on my behalf for financing. Upon gaining this information, I called the dealership several times over a 30-45 day period, seeking an explanation for the unauthorized inquiries. I received no return phone call. On XXXX XXXX, 2015 I decided to e-mail the General Manager of the dealership. Within a few hours of my email, I get a call from the finance manager that completed my transaction. He explained to me that there must have been some " misunderstanding '' with the salesperson. The finance manager said that because I signed the document that the salesperson gave me, that gave them the right to shop for financing on my behalf. I informed the finance manager that I signed the document with the explicit instructions to the salesperson not to try to find financing, and that the sales person told me the dealership would not be looking for financing for me. Again the finance manager told me that there was nothing I could do. I asked for some kind of compensation for the unauthorized inquiries and again I was told there was nothing that could be done. XXXX lied to me and shopped for credit without my authorization. I would like some form of compensation for this violation of my rights.
Product: Checking or savings account

Starting in the month of XX/XX/XXXX, for all Online Bill Payments delivered via paper check Bank of America stopped debiting my account for the payment on the Send On Date. In addition while these transactions were processing Bank of America removed all references to the payment from Online Bill Pay site, leaving no record for the consumer to tell what amounts had been requested be sent to merchant ( s ). The combination of these two changes without prior notification resulted in several overdraft fees. 

In talking to Bank of America representatives on XX/XX/XXXX, it was stated several times that nothing had changed and all the merchants must have changed their relationship with the Bank. In addition they stated they had no control how payments were sent out nor was there any way to tell whether my account would to debited on the Send On date or the date the merchant cashed the check. 


The following is how Bank Of America describes Online Bill Payments made with Checking, Money Market, Home Equity Accounts The Deliver By date is the estimated date that the Pay To account will receive the payment. 
The Send On date is the date that funds for the payment are withdrawn from your Pay From account. If there are not sufficient funds in your account on the Send On date, your payment will not be made.
Product: Credit card

I had credit card accounts with Care Credit that were unjustly closed by the creditor. There reasonings were very inaccurate including a recent significant derogatory items. Since the account was closed I reviewed my credit files and there is no recent derogatory items.
Product: Credit reporting 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 : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant XXXX {$92.00} XXXX {$91.00} XXXX {$100.00} XXXX {$1000.00} XXXX {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Twice incorrect information has been placed on my XXXX report by XXXX XXXX in Ohio. XX/XX/XXXX and XX/XX/XXXX I made two reports XXXX and report XXXX but Hire Right is not reporting I disputed the information. I was told in 15 days if the trucking company did not change their report the information would remain th same. Thus, HireRight is just a data base for trucking companies to defame and act with prejudice against truckers. I am having a difficult time finding employment due to unfair labor practices by HireRight because HireRight does not do investigations. It reports only what trucking companies choose to say although the majority of the time after my research are acts of defamation, retailiation, and discrimination. XXXX
Product: Credit reporting 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 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 card or prepaid card

Sir I m using Citi bank credit card for the last 15 years may be more period but due pandemic this I was in trouble physically financially and from earnings also So there was delay in making payment of credit card but I paid principle amount in full and requested many times to waive the interest part which quite handsome amount Citi bank has down my cibil score due to which I m facing log of hardship Kindly look into matter with a request to give me positive solution As I have approached many times Citibank even sended mails to there ombudsman Dept but yet no response My citi bank credit card ending with XXXX Regards XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX No : XXXX XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Sec 602 which states, I have the right to privacy. Under 15USC 1681 Sec 604A Sec 2, it also states a consumer reporting agency can not report an account without my written instructions under 15USC 1666B a creditor may not treat a payment on a credit card account under an open consumer and credit card plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Equifax multiple times a bankruptcy that is reporting on my consumer disclosure report. Their response has been that it is accurate and verified thru a 3rd party furnisher named XXXX. They have not provided any documentation or supporting evidence of this bankruptcy. XXXX does NOT have a bankruptcy reporting on my XXXX consumer report ( see report attached section 8, page 12 ). This is inaccurate and false reporting of a bankruptcy on my credit report. I have also contacted the noted court on my report and they stated they have not reported this item or any item to any bureau or data collector. How is this item being validated, verified, and proved???
Product: Debt collection

I noticed at the end of last year that I had a series of false debts on my credit report, that collection agencies are attempting to collect from me. These debts all occurred around the same period of time. The 3 companies are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. 
I was able to call XXXX and ask them specifically what info was in the account and I ended up finding out that my older sister had used my name SSN and DOB to get cable at her apartment. They said If I were to file a police report and give proof of report they would remove debt. I filed a police report and before turning it over to them I noticed they were nice enough to have already removed it. # SOLVED The XXXX XXXX was previously a XXXX bill apparently. My sister or also is the culprit for this as well. I've never had a phone in my name by XXXX. I attempted to dispute with this XXXX XXXX XXXX through XXXX and XXXX, letting them know of the situation with XXXX and stating that I have been a victim of identity fraud by my sister. They didnt even attempt to contact me or look into anything. # UNSOLVED I'm tired of them trying to get me to pay for this when someone took my personal info and breached my personal information. I feel violated.
Product: Credit card or prepaid card

A CREDIT CARD WAS OPENED FRAUDULENTLY UNDER MY NAME WITH DISCOVER. AS SOON AS I FOUND OUT ABOUT THE FRAUDULENT CREDIT CARD I CONTACTED DISCOVER AND I ASKED THEM TO CLOSE THE CARD, AT THAT TIME I GAVE THEM MY CORRECT MAILING ADDRESS, EMAIL AND A PHONE NUMBER. DISCOVER NEVER UPDATED ANY OF THE INFORMATION I GAVE THEM. THEY APPARENTLY MAILED A FINAL BILL TO THE ADDRESS THAT DOES NOT BELONG TO ME. I HAVE NOT RECEIVED ANYTHING FROM DISCOVER AT MY CORRECT ADDRESS THERE IS NOW 4 MONTHS NEGATIVE REPORTING ON MY CREDIT PROFILE FROM DISCOVER. THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT. I HAVE ALSO REPORTED THIS TO THE LOCAL POLICE STATION AND TO FAIR TRADE COMMISSION, AND TO THE CREDIT REPORTING BUREAUS.
Product: Mortgage

On XX/XX/XXXX I called FlagStar Bank, my mortgage company, to resolve an issue regarding my payments. My husband and I have been getting calls and letters for the last few months saying that we are behind but I wasnt sure how since I was seeing the mortgage payments leave my bank account. Up until this point, each time they had reached me or I called, the representatives had advised that it was probably a timing error. On the day I called ( XX/XX/XXXX ) I got a very knowledgeable rep who was finally able to identify the issue. They had taken two of our payments and put them towards the principal only and not towards the loan balance. We had been making two payments per month that equaled the total amount of the full amount due since XXXX in order to spread out the amount we were paying each month. My husbands hours were cut during the winter so our cash flow changed. Instead of using the auto pay from their website we began paying via bill pay from our bank on the XXXX and last day of the month. A rep told us that we could do this when I inquired about it back in XXXX and that other people did this and there was no issue with it as long as the full amount was received by the due date. 

On XX/XX/XXXX the rep identified the issue and also found support that I was told this was ok to do. She then proceeded to tell me she couldnt fix it in the system because it was past 90 days since the payments had been applied. She said she would have to put in a request to the cashiers department to request it be corrected given the circumstances. On XX/XX/XXXX they called and advised that they were denying my request but gave no reason outside of the fact that 90 days had passed since the payments had been received. I was not understanding because I was doing what I was told was ok by the representatives at the company and there was proof of that in a recording or transcript of a conversation I had with a rep! Technically I am paid through XX/XX/XXXX on my mortgage. They have more payments that actually are due at this time BUT they applied them wrong and now will not correct them after they said they gave me incorrect information all because its past their 90 day rule that I also had absolutely NO KNOWLEDGE of! I was making payments in a way I was told was completely fine and given no explanation about how payments were applied when received. I called back on XX/XX/XXXX and spoke to a supervisor in customer service who told me they can do nothing because the decision was up to the cashiers department. She said I could submit a request for reconsideration to the errors and omissions department, so I have since written a letter to them and mailed it. I have no idea how long that will take. I will attach it to this request. I also emailed the CEO of FlagStar ( XXXX XXXX ) but am not sure the contact info is good and havent received a response. I want a prompt resolution because they are holding approximately {$1200.00} of my payments and not applying them to my loan. Additionally they are claiming I am late with current payments, which of course isnt correct either because of the way they applied the payments.
Product: Vehicle loan or lease

Refund related to XXXX Honda Property Tax for a car that was sold in XXXX. 

I had leased a car with Honda in XXXX and had registered with KY license plate. In XX/XX/XXXX I sold my vehicle to a XXXX car dealer in the state of California with all the settlements. 
In XXXX, I did not hear from Honda Financial services or from the state of Kentucky for any property tax due. In XX/XX/XXXX, I got a letter from Honda Financial services that a property tax of {$210.00} was due for the XXXX. 

In the month of XX/XX/XXXX I called the KY department of motor vehicle and closed the license plate for my XXXX Honda XXXX and as per suggestion from them I opened a case with Honda financial for a refund of the tax amount for an already sold car. 

It has been almost 9 months and the refund has still not been processed. I have called the Honda financial services numerous times and they had promised to update me with the status of the refund. Since XX/XX/XXXX I did not hear back from them and each time I call the customer service a new associate picks up and confirms they are not aware of the case. It is becoming a challenge for me to get a refund as Honda Financial services is not assisting in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ] # XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Portfolio Recovery at XXXX XXXX XXXX. XXXX Va. XXXX, has been sending me collection notices in the amount of {$12000.00}. The The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE UNVERIFIED  AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. XXXX XXXX XXXXDischarged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.
Product: Credit card or prepaid card

I was surprised when reviewing my credit report and found a late payment on the date : A 30 day late as of XX/XX/2017. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Debt collection

During cov19 I wrote despute letters to all 3 Credit bureaus For inaccurate accounts on my credit profile And they came back XXXX verified They did not show proof of how it was verified so I feel it doesnt meet the FCRA STANDARD I HAVE 5 accounts That are being reported inaccurate they will not remove them here are the names below XXXX XXXX   XXXX acc # XXXX Experian claims verified accurate but will not show proof as well as XXXX XXXX  acc # XXXX XXXX XXXX XXXX acc # XXXX As all verified businesses are closed during COV19 Theres no way they were verified and they wont show proof These accounts should be removed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX financial auto loan in XX/XX/XXXX. 
This event caused my XXXX FICO score to go down XXXX points. My Experian FICO score to go down XXXX points. My XXXX FICO score to go down XXXX points. 
How long will Fair Issac Company be allowed sell a product that is unexplained, unbelievable, contrary to common sense, and damaging to ALL Americans. 
XXXX, Experian, and XXXX are all partners in this fraud. 
Please use your authority to fix this XXXX on the country.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX