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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX 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 : 1. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX 2. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

12. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter.
Product: Credit card or prepaid card

In 2012, I discovered that someone had used my name and personal information to open a Wal-Mart credit card in my name, without my knowledge. Since that time, I have filed complaints, disputed the account at the three credit bureaus, and also requesting a fraud investigation from Sychrony Bank. To date, Synchrony  Bank has done nothing to initiate a fraud investigation.
Product: Checking or savings account

i am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized. i was charged fees due to lagged posting of charging and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balance these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

Today, XX/XX/XXXX, I received an email from Barclays regarding my XXXX account monthly payment. It stated the payment due was {$630.00} with a due date of XX/XX/XXXX. 
The usual monthly payment is {$29.00}, so this was highly suspicious. 
I logged into the website to look at my account and there was a charge labeled " PROMO RATE CORRECTION '' from XX/XX/XXXX ( posted on XX/XX/XXXX ) for {$610.00}. Looking at the charge details I saw that it said it was authorized by me. 
I called their customer service and was told that it was from accepting a 0 % apr promo. I asked for an explanation of how accepting a reduced interest rate resulted in a {$610.00} charge. The agent got their supervisor who then stated it was a system glitch. 
I asked her what had glitched to get this very exact number ( 50 % of the account balance ) she stated she did not know but that since I had not authorized it, it was going to be removed from my account. 

I called their complaint department directly after hanging up and this agent told me this glitch had happened in early XXXX. She stated Barclays was working to refund these amounts. I asked her why I had not been informed at all- and if I would have been if the email hadn't raised concerns.

Her response was to say they would send me an explanation in 7-10 days. My worry is that they are defrauding anyone who agreed to 0 % apr and only fixing the accounts that notice.

It feels illegal for them to add bogus charges to accounts without alerting the customer and offering a detailed breakdown of the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I went to XXXX XXXX, XXXX, IL to purchase a new vehicle. 
I brought my own XXXX XXXX XXXX XXXX Approval with me to the dealership and told them this is what I wanted to use. 

XXXX XXXX ran Hard Inquiries through all the companies below, which brought my credit score down over 100 points, and remains on my credit report, without notifying me. 

Upon contacting XXXX XXXX XXXX department they stated that there was no way that the hard inquiries would stay on my credit report and to just " NOT WORRY ''. 

This dealership has destroyed the credit that I had rebuilt to be able to purchase a new vehicle. I was also planning on purchasing a new home within 6 months of this " ordeal '' and was told by a Mortgage Lender that the hard inquiries had diminished my credit score to a level where I could no longer purchase a home. Just 30 days prior to XX/XX/2018 I was approved for a Mortgage up to {$170000.00}. 


XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank Fin XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX  Inquiry from XX/XX/2018 Finance XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks
Product: Debt collection

This is the third time I have requested actual proof of ownership, proof of contract from XXXX XXXX XXXX # XXXX per XXXX XXXX  Taking assignment of Debt ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency.

( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection.

( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX # XXXX is in violation of both FDCPA and FRCA.
Product: Debt collection

1. On XX/XX/XXXX a collection account was placed under my name from the company XXXX XXXX for a debt of {$450.00} originally credited by XXXX XXXX ... ... ... .2. On XX/XX/XXXX a collection account was placed under my name from the company XXXX XXXX for a debt of {$760.00} originally credited by XXXX XXXX XXXX ... ... ... ..3. On XX/XX/XXXX a collection account was placed under my name from the company XXXX XXXX for a debt of {$280.00} originally credited by XXXX XXXX XXXX ... ... ... XXXX.4. On XX/XX/XXXX a collection account was placed under my name from the company XXXX XXXX for a debt of {$660.00} originally credited by XXXX XXXX ... ... ... .5. On XX/XX/XXXX a collection account was placed under my name from the company Resurgent/LVNV Funding for a debt of {$880.00} originally credited by XXXX XXXX XXXX XXXX ... ... .All of the above collections are utility debts from energy companies based in Texas. I have lived full time in California for 25+ years and have never owned or rented a residence in Texas XXXX They are all falsely using my name.
Product: Credit card or prepaid card

Already made an FTC Complaint ( XXXX ) against Wells Fargo bank for issuing me a Master Card that I did not ask for. Went into a branch and complained that I been issued a card in error/fraud. They told me that they will take care of it. I had put in a credit freeze with XXXX and XXXX. Weeks after Wells Fargo acknowledged that they had taken care of it and canceled my Master card, I receive a communication from Wells Fargo yesterday XXXX saying that they are trying to open another credit card in my name ( that I did not request ) - Application # is XXXX. In this letter Wells Fargo is asking me to 'unfreeze ' my Credit so they can complete processing my credit card application!!! 

Wells Fargo is the XXXX  of the earth. I will not touch them with a 10 foot pole. What do I need to do to make them go away for good?
Product: Debt collection

XXXX XXXX XXXX illegally collected and held protected SSI Funds, with out performing proper account review. Took advantage of a venerable XXXX person by not releasing the funds, and would not provide any documents pertaining to her frozen account. Would not release funds until I advocated for my mother, showing this act violated ( 31 CFR 212.2 ), ( 31 CFR 212.4 ), ( 31 CFR 212.5 ), ( 31 CFR 212.6 ) and ( 31 CFR 212.7 )
Product: Credit reporting or other personal consumer reports

NATIONSTAR/MR. COOPER Account # ( XXXX ) The comments and history is incorrect. This account was sold to another company service in XXXX. This account has been paid and full and paid as agreed. Worst payment information is incorrect and was not 120-180 days late. XXXX late payments status is incorrect. XXXX Payment history is incorrect and is causing harm to my credit profile Please delete the incorrect negative comments and history of this account. If not please delete this entire account. 
This account reporting is in violation of code 15 USC 1681 ( a ) 2 ( B )
Product: Debt collection

I made a final payment of XXXX on XXXX which closed the account to zero balance. I also went through the process with Synchrony Bank ( who did financial oversight of the accounts ) and acknowledged that the Paypal accounts ( credit and wallet ) were closed. 
Months later, around XXXX of this year, I received notice that charge of XXXX had to be paid. I called their debt and fraud units @ Synchrony and they agreed that my account was closed and that they would take care of the matter. The notices to owe the XXXX came back via mail and continued until recently. They amount that they said I wed with PayPal/Synchrony Bank was now changed to XXXX. I called them today and didn't have any cooperation from them about the source of the owed amount. Furthermore, I checked my credit score and noticed that it dropped noticeably due to negative information from an unnamed sourced ( it had to be Synchrony Bank ) I pay all credit card accounts well in the time that payments are due. My record is stellar in that regard!
Product: Credit card or prepaid card

Target card I mailed my check to pay my bill. Target keeps calling me regarding this matter. I mailed my check with my bill. When they called me at XXXX on XX/XX/XXXX I told the person that I paid my bill that my bill was mailed. I also told her do not contact my phone number again. Then at XXXX XXXX on the XXXX target called me, then again at XXXX on the same day. I called in the afternoon and told him to not contact me. They are violating my rights as a consumer. That I told them the day before did not contact me and they continue to contact me. They violated my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Isnt resolving disputes billing errors 15 USC 1666B Under 15 USC code 1692j - furnishing certain deceptive forms I am not participating inn the collection of this alleged debt. Cease and desist " Fraud vitiates the most solemn Contracts, documents and even judgments '' [ U.S. vs. Throckmorton, 98 US 61, at pg. 65 ].
Product: Student loan

This about Department of Education /XXXX . I attended 2 different Community Colleges without a High School Diploma. I read about the Ability to Benefit Application, which helps some people be able to get their loans discharged. The qualifications are, no High School Diploma or G.e.d. You did not go through the ability to benefit test. False certification of documents. Meaning someone forged your name on documents etc. I qualified in every way. I sent test scores to them. Test showed I did not pass, sent high school transcripts etc. The Dept of Ed denied my application stating I had a High School Diploma. Now, the are the DEPARTMENT OF EDUCATION. They know if I graduated from High School, or have my G.E.D. US Dept of Ed used lie, so they would not need to honor their application for the Ability to Benefit discharge. Navient, has my loans they gave me the run around so much concerning documents they needed to process that application, so it could get to the Dept of Education. They are being sued Dept of Ed, and Navient for these type of practices. Not honoring the discharge applications. Also charging to much on interest ext. HELP PLEASE!
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed the company had pulled my report. I never authorized this company to check my credit. I have never heard of the company. It was done XXXX XXXX, 2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collections I continued to received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$28000.00} XXXX XXXX XXXX {$41000.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX  XXXX {$7700.00} XXXX  XXXX {$4300.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX XXXX {$570.00} EQUIFAX XXXX {$2500.00} XXXX   XXXX {$570.00} XXXX  XXXX XXXX {$470.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023
Product: Checking or savings account

i deposited my normal monthly amount work payroll check from my employer on XX/XX/18 and was given a receipt and told by the teller that my funds would be available the next day XX/XX/18 at XXXX XXXX. bank of america changed my status the morning of XX/XX/18 after I was told by the teller and via my online account access that it would be available XX/XX/18 at XXXX XXXX, they changed to hold til XX/XX/18 after XXXX XXXX. this caused a delay in my bills being paid in a timely manner without consequences
Product: Checking or savings account

On Friday XX/XX/XXXX I went to the Wells Fargo branch in XXXX XXXX, CA XXXX XXXX XXXX to deposit, into my checking account, {$900.00} cash ( in {$100.00} bills ). I do not have the receipt or might have lost it since then.

After recieving my monthly statement & noticing the {$900.00} cash deposit missing I contacted the Wells Fargo fraud department earlier this week to open a claim ( claim # XXXX ) & complaint but very little was done & they are giving me the run around - truely not caring or being concerned about this situation.

Can you help get this issue back on track? Maybe have Wells fargo contact their branch to investigate, lo

ok at their branch records & even review their video tapes on that day - that would cleary see me doing a deposit. I have been a truster client of Wells Fa
rgo since XX/XX/XXXX & I am ashamed on how they are treating me. This event will make rethink the future on my money at Wells Fargo Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I notified Transunion that there are unauthorized and unverifiable information being reported to my consumer report, I have to give Transunion written consent to furnish a report on my behalf I never gave them written consent so, my consumer right to privacy has been infringed upon. In light of the recent investigations brought upon Transunion Ive found that my consumer file has been tampered with. Transunion have not exercised their grave responsibilities and fairness with my consumer report according to the FCRA. Transunion is continuous reporting unverified accounts on my consumer report. XXXX did the right thing by removing the inaccurate, unverified information from my report once they saw it was violation of my consumer rights, Transunion is still reporting this information which does not line up with my other Consumer reports. For the past 2 year I have made several attempts to remind Transunion of their duty to uphold the law, my most recent was XX/XX/XXXX, and they did nothing but ignored my disputes and requests. I have sent Transunion Certified documents under the penalties of perjury to support my claims. Transunion has infringed upon my basic consumer rights. It is their responsibility to make sure all information is accurate and in perimeters of the law. Transunion is continuing to ruin my reputation. It's unfair that i'm not able to support myself due to the things that being reported to my consumer report. Credit Reporting is voluntary and always has been according to the FCRA.
Product: Credit card or prepaid card

On XX/XX/XXXX I placed an order for a XXXX XXXX XXXX XXXX XXXX, Model XXXX at a price of {$350.00} and paid for it with XXXX points from my Wells Fargo GoFarRewards account # XXXX. The product was shipped to me from XXXX XXXX and arrived on XX/XX/XXXX. On XX/XX/XXXX I received an email from " XXXX '' which referenced Wells Fargo/XXXX and offered seven XXXX XXXX products for sale, one of which was the identical model I had purchased from Wells Fargo. However, the XXXX price was {$130.00}, less than half the price I had paid. 

I could not understand how such a large discrepancy in price could exist for one product among reputable sellers, unless an error had been made. So I went online to check how other retailers were pricing this product. The XXXX XXXX offered it at {$180.00} ; XXXX, at {$140.00} ; XXXX XXXX, {$180.00} and XXXX XXXX, {$180.00}. Average price of the five outlets works out to {$170.00}. 

On XX/XX/XXXX I went to the Wells Fargo website and sent a message concerning the price discrepancy and the unreasonable difference between Wells Fargo 's price and the price of other stores which sell the same product. In view of these facts I asked that Wells Fargo restore equity to my transaction by refunding XXXX points to my GoFarRewards account. I received a confirmation from Wells Fargo that my message had been received and I could expect to hear from them within 10 days. I waited one month for a response, and on XX/XX/XXXX I sent a second message on the Wells Fargo website. I asked that if they are not willing to make an adjustment for the price discrepancy that they authorize me to return the product and cancel the transaction altogether. 

I received a letter by mail dated XX/XX/XXXX from XXXX XXXX, Research and Remediation Manager, Executive Office, Wells Fargo Bank. Mr. XXXX stated that his research team expected to provide me with a response on or before XX/XX/XXXX. A second letter dated XX/XX/XXXX came to me from XXXX XXXX, Research and Remediation Analyst in which she said she was working on my case and I could expect a response by XX/XX/XXXX. A third letter, dated XX/XX/XXXX arrived from XXXX XXXX stating her research is continuing and I can expect a response by XX/XX/XXXX. A fourth letter dated XX/XX/XXXX arrived from XXXX XXXX in which she stated she is unable to honor my request because rewards are not refundable once redeemed. 

I can not accept XXXX XXXX XXXX decision as a legitimate reason for denial because fairness and equity in conducting a business transaction should never be disregarded. When an operating procedure conflicts with doing what is right, an exception must be made.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I have frozen my Experian file. These two credit inquiries were made without my authorization. This is the reason I am going to keep my report frozen because I often dont apply for credit I like to space them out. But these two inquiries on my Experian report is illegal and needs to be removed asap. I will keep my account frozen until further notice. Please remove these illegal inquires off my credit report. 

Under USC Sec 15 1681b,1682,1683,1684, 1028 FCRA and credit reporiting requirements these ILLEGAL inquiries needs to be removed asap as these ILLEGAL inquiries are hindering my process in securing a home as well. I am sitting at 737 Experian fico score XXXX and I worked to hard to get here to let someone illegally try to obtain fraudualent accounts that were never authorized by me. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

My identity was stole. The person opened up several bank accounts in my name and also used my main bank account ( XXXX XXXX ) for fraud. I recently realized that in XXXX  and placed a credit lock through XXXX. I know consequences still have to be made but I would like to clear my name so that I could be able to open up a personal bank account. I am aware that I am now in the XXXX XXXX, I would like to be removed. I am willing to do what it takes to move forward with this process. I am a XXXX XXXX  and I need a bank account. Thank you.
Product: Vehicle loan or lease

To whom it XXXX concern, In 2008, as a XXXX XXXX member, I purchased a fairly new XXXX XXXX, I'm XXXX, CT. I was late by 45 days due to being military duties. My vehicle was repossessed during the evening while I was sleeping. I asked the company if I could get my military documents from the vehicle, and they told me that I would would be charged {$75.00}. I contacted Wells Fargo XXXX days later and told them that I could pay to get the car back and update all payments. I was told that the vehicle sold already. 
This went on my Credit Report for almost a year as I fought to get it removed. Wells Fargo contacted me and told me that my vehicle shouldn't have been removed from my possession, and should not have been sold so fast.