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

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, XXXX XXXX XXXX XXXX used an intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXX XXXX XXXX XXXX reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. these fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TRANSUNION for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TRANSUNION has failed to comply with the law and has retained the inaccurate account information. 

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TRANSUNION to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TRANSUNION upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Fortiva is trying to charge me {$2000.00} were ideal image refund them for a membership that I did not use I canceled in the fashion manner. I sent Fortiva proof what it was put back on their account way before a payment was due. I also contact ideal image and they both are saying the same thing they can't understand what happened what but I have proof that ideal image refund for fortiva and fortiva said that they didn't refund it!! 
I feel like it's an matter between the two companies and they need to fix it it's not my responsibility and it shouldn't be on my credit!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX {$54.00} DEPREDXXXX {$11000.00} XXXX {$3000.00} XXXX {$0.00} XXXX {$23000.00} DEPTEDXXXX {$2100.00} XXXX {$410.00} XXXX {$59.00} XXXX {$16000.00} XXXX {$0.00} XXXX {$1800.00} XXXX {$7500.00} XXXX {$1400.00} DEPTEDXXXX {$8500.00} XXXX {$500.00} XXXX {$200.00} XXXX {$450.00} XXXX {$450.00} XXXX XXXX {$870.00} DEPREDXXXX {$11000.00} DEPTEDXXXX {$13000.00} DEPTEDXXXX {$8700.00} DEPTEDXXXX {$870.00} XXXX   XXXX {$710.00} XXXX {$590.00} XXXX {$460.00} XXXX {$4200.00} XXXX {$20000.00} XXXX {$23000.00} XXXX {$17000.00} DEPTEDXXXX {$5500.00} XXXX {$0.00} XXXX {$1600.00} XXXX {$1800.00} XXXX {$200.00} XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

Ive just obtained my credit report and noticed the following error ( s ). The Health Insurance Portability and Accountability Act of 1996, ( HIPAA ) sections 261-264 require the secretary of HHS to publicize standards for electronic exchange or 43 US code 1320D 9 note. I have no knowledge of XXXX XXXX Account # : XXXX, showing a balance of {$590.00}. 

I NEVER signed a contract with this company and have no knowledge of either company, therefor it is a violation of my FCRA rights. I would like this DELETED from my credit report as soon as possible.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 around XXXXXXXX XXXX EST, I received a phone call from someone posing as a Wells Fargo Bank representative. The person identified himself and called from the Wells Fargo customer service number ( XXXX ). The person informed me that someone in XXXX, Florida by the name of XXXX XXXX was trying to wire {$3500.00} via XXXX from my Wells Fargo debit card that ended in XXXX. The person told me I needed to log onto the Wells Fargo website. He informed me that the money in my account ( he knew the nickname on my bank account ) was froze. He told me I needed to wire {$3500.00} via XXXX back into my account. Initially I was unsure if the person was an actual Wells Fargo representative, but since he called from the Wells Fargo phone number, had my cell number, and knew the nickname on my bank account, I thought he was a real representative. In addition, I am unfamiliar with XXXX. So I followed his instructions and completed four transactions that totaled {$3500.00}. Unfortunately, I provided him the verification code I received via text message. After I completed the transactions, the person immediately hung up the phone. I immediately re-dial the number he called from, which was the number to Wells Fargo customer service. I spoke to a Wells Fargo representative and filed four claims. Just fyi, prior to this incident I lost my wallet at a restaurant in XXXX, VA. Therefore, I believe this person had my old debit card number and go access to my personal information and bank account information. The person sent me a message alert via text from XXXX. 

I received a status update from Wells Fargo on XX/XX/2021. Wells Fargo informed me that the bank contacted XXXX to try to get refund on three of the four claims. Wells refuses to accept one of my complaints, although I did not knowingly nor intentionally transfer my money to scammer. Wells Fargo also informed me that the bank is at XXXX mercy and XXXX does not have a specific time frame ( and perhaps obligation ) to respond. 

This complaint is against Wells Fargo.
Product: Credit reporting or other personal consumer reports

Transunion never sent any updates by mail or email. Transunion never updated incorrect personal information last name addresses. Under the Fair Credit Act 15.6a I'm requesting all original documents Transunion used to verify and update XXXX XXXX XXXX XXXX XXXX XXXX Transunion needs to do a better job at customer service, I've been trying to get in contact with a person for the last month no response. XXXX XXXX XXXX XXXX XXXX XXXX and corrected my personal information.
Product: Debt collection

I have fraudulent accounts on my credit report that I never have had in my life. My XXXX XXXX app says that these things are bringing my credit score down tremendously. 

I need someone to help me fix this because it isn't fair. How can I owe a company I never ever signed up for?? 

Accounts : XXXX : - 6 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX ) Equifax : - 4 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX )
Product: Debt collection

I have repeatedly told Harley-Davidson Financial Services to NOT call me at work about my motorcycle loan. I have called the company numerous times to tell the XXXX man who can barely speak English to STOP calling me at work. His name is XXXX XXXX and he tells me to call XXXX. This keeps happening over and over and over and it is harassment and I've reached the end of my tolerance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX credit card ) incorrectly filed on my credit report. When I called them about my alleged late payments and charge off, they said I " owed '' them the XXXX figure. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to XXXX XXXX which means it is now income earned for the company. 
I can not owe on income. And this now becomes inaccurate reporting on their part. They are trying to be paid twice for the same case. 

I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report. 

Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Checking or savings account

I had received a lump some of money from an investor that invested into my small business and some how my account was compromise because someone hacked into my account and tried to make an transaction and I believe that the Bank of America believe that I knew about the fraudulent attempt and when I tried to log into my account I couldn't because they locked my account, so I called the Bank of America and they transferred me to their risk team department and remind you all this was happening while I was at work, so one member of the risk team told me that I had to go into the Bank of America in person, so I did that following Monday and I also passed the risk team questions as well and they still decided to closed my account out, which they sent me a refund of a hundred dollars and something, so I called them and I talked to a lady and she looked at my account and said that the rest of my money is placed on hold because it's being investigated and when it clears, then they will send it out and it's not a time frame because the higher department doesn't tell them anything. My problem with the Bank of America is that they are holding my money and that they never texted me or called me about any fraud activities that they identified on my account because I had to call them and I have fraud alerts on as well, so I am wanting my money!
Product: Credit card or prepaid card

Walmart/Synchrony Bank credit Card keeps taking payments from the wrong bank account causing overdraft fees. I changed the payment information from one bank to another in XXXX and while it shows the proper information on the website they still try to take the payment from the old account causing overdraft fees and after the first improper payment was applied and when it returned they shut down my credit limit for their mistake. Since then they still have the correct bank account information in their system but continue to try to run the old bank information. this has caused {$140.00} in overdraft fees plus countless hours of talking to their customer service reps. that can only tell me that this isn't happening because when their agents look online the only account they show is the correct one. No one will address the problems with the old account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$230.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$18000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$5800.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is for my XXXX XXXX XXXXard that is now closed but should be in good standing I made very payment on time and this is hindering my life as Im trying to get a house I have tried to fix this with XXXX XXXX XXXXhey said I had to contact the credit companies and I have been disputing the late payments for years and they cant even tell me how this is accurate or prove that they reached out to the creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$900.00} ; XXXX XXXX XXXX ( XXXX Creditor : XXXX ) XXXX Balance XXXX {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$3000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

I was double charged by wells Fargo not only for the storage auto pay but for my XXXX XXXX XXXX XXXX That's what they are forgetting
Product: Debt collection

According to California Statute of Limitation the item has past the 4 year statute of limitation. The alleged debt should no longer be falsely showing on my credit report. According to section 609 of FCRA, the item is false and erroneous. Please remove item.
Product: Credit reporting, credit repair services, or other personal consumer reports

IamtryingtoapplyforamortgagebutXXXX,XXXXandExperianwerenotreportingmyscore.DidsomeresearchandfoundoutthatIneedtocontacteachoneandaskthemtoremove"DisputeComments''sincethedisputewasalreadyclosedwithmyvisawhichIhada30daylatepaymentinXX/XX/2017.IwasabletofixthiswithXXXXandXXXXBUTcannotdoanythingwithExperian.WhenIgoonlineIgetascreenthatstates"DisputeCantbeprocessedonline''PleasecallXXXX.Ihavebeencallingthatnumberwhichisonlyarecordingwithmenu'sandthenhangsup.IhaveXXXXallnumbersandhavebeentryingtocallthereforweeks.ItsfrustratingbecausethereisnothingIcandoandnowaytogetintouchwithanyone.Thereisnotchatsystemorevenanemailwheretosendaletter.Howcanthiscompanycompletelyruinmycreditlikethiswithoutprovidinganyoptionstofixit????
Product: Debt collection

To whom it concern I am filing a complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in to Reference # XXXX XX/XX/XXXX This company called me to collect a debt that was already resolved by XXXX XXXX which is XXXX XXXX. I as this company do not call or send me a letter because it has been resolved by the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX number XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was wrongfully sold this product and billed for it. I returned the phone and the bill was erased by XXXX XXXX XXXX XXXX XXXX not sure how this company got this but this was taken off my credit once the issue was resolved with XXXX XXXX XXXX If needed I have the emails from XXXX XXXX this has been resolved. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I recently reviewed my credit report and notice several errors. Several items do not meet the Fair Credit Reporting Act guidelines nor has the companies reporting the information validated and verified the allege debt for example XXXX XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( never validated the allege debt ), XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( company has reported different information to every credit bureau, company admitted the deed was never recorded with the county nor have they provided legit documents ). There are several unauthorized inquiries reported to the Credit Bureau. I never authorized the inquiries nor do the inquiries fall under FCRA- permissible reasons. I sent Equifax a notice to remove the false and misleading information but I received no response. The said companies are reporting False, misleading, and deceptive information. The false and misleading information being published by the credit bureau has hurt my credit score, caused humiliation, and financial injury.
Product: Checking or savings account

I opened a Silver Business Checking account with U.S. Bank on XX/XX/XXXX with promo code XXXX. 

The terms of this offer state that : - An individual signer on the new checking account must be enrolled in U.S. Bank online banking or the U.S. Bank Mobile App using their business profile within 60 days of account opening. 
- Earn your {$500.00} Business Checking bonus by opening a new U.S. Bank Silver, Gold, Gold with Interest or Platinum Business Checking account between XX/XX/XXXX and XX/XX/XXXX. You must make new deposit ( s ) of at least {$5000.00} in new money deposits ( Direct Deposits, ATM/Branch Deposits, Mobile Check Deposit, ACH or Wires ) within 30 days of account opening and thereafter maintain a balance of at least {$5000.00} until the 60th day after account opening. 

I enrolled in U.S. Bank online and mobile banking, and I deposited {$5000.00} shortly after setting up my account. 

I have satisfied all parts of the bonus ( confirmed on a call with U.S. Bank on XX/XX/XXXX ). The U.S. Bank representative opened a case and stated a 2 business day response time, but I have not heard back. 

Therefore, I am escalating the CFPB.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted information to all companies that were listed on my credit report. I never gave written or verbal consent for any company to report anything on my report except the date the account was open, pay status, and loan type.

Per 15 USC 6801 it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information.
Product: Credit card or prepaid card

I submitted dispute of {$1.00} on XXXX for that I was unfairly charged " Processing Fee '' by the " XXXX XXXX '' company without my knowledge. I did not authorize " Processing Fee '' and it was not disclosed when I made the transaction. I attempt to make several contact with vendor but I couldn't connect with any one on their phone system. I received Email fro
m BHN Support asking for document showing attempts to workout with the vendor. In the same Email BHN also mentioned that they are going to close my case if I don't provide the document within one week. I provided the document within the time frame on XX/XX/XXXX. 

However, there is no response nor update from BHN support. I sent follow up Email on XX/XX/XXXX and still receive no response as today XX/XX/XXXX.
Product: Checking or savings account

These individuals seem to knowledge of my passwords and passcodes of my usual credit reporting agency.
Product: Debt collection

In XXXX i lost my job. I continued to pay my chase credit card until XXXX. In XXXX i could no longer pay my card and no longer made payments. In XXXX i recieved a letter from chase saying i was released from my debt. I later recieved a XXXX from chase for XXXX for the debt forgiveness. I paid my taxes on what was now reguarded as income by the IRS. I just recently applied for a home mortgage and my bank application came back with the XXXX debt from chase listed ... .i contacted chase and was told the debt had been cleared and they did n't want any payment but because the debt was not paid in full by me it will remain on my credit report. If the debt was cleared and i recieved a XXXX, effectively changing the debt to income, how can it remain as a debt on my credit report? Chase will not even accept payment and my mortgage application is now in jeapordy..
Product: Mortgage

I had just sold my house and was set to close on XXXX XXXX, 2016, however Vectra Bank of Colorado had not released the lien on my house which was supposed to be released 13 years ago when the note was paid off and the mortgage was obtained by XXXX XXXX. It took us, the Title Company out of XXXX, Colorado and mostly myself to call the bank fill out all the paperwork and talk to them daily if not 2-3 xs a day to get the lien released so the sale could go through. The lien was not released until 10 days later on XXXX XXXX, 2016 I lost over XXXX dollars because my house could not close on the XX/XX/XXXX because they Vectra Bank had not released the lien which was suppose to be released 60 days after the note was sold. I am upset because of the loss of money, I could use that money, and the bank does n't seem to care whether or not they got the lien released or not. I think this is ludicrous. If I were to run my business this way, I would be out of business. I think that Vectra Bank should be made responsible for my loss of monies since they are at fault for not having the lien released several years ago..
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I recently received a copy of my credit report and I noticed an inquiry that I did not authorize and of which I do not have knowledge. Please be advised that by law no inquiry can be place on my credit report without my authorization. I am requesting that this inquiry be removed immediately from my credit report. I Remove the following unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX I HAVE ATTACHED MY CREDIT REPORT THAT SHOW THE HIGHLIGHTED INQUIRES. PLEASE DELETE THESE UNAUTHORIZED INQUIRES!!!