23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I received several alerts from XXXX that I had several new inquiries on my Trans Union credit report however, I had not made any inquiries. So, I contacted Trans Union and spoke to representative XXXX and then her supervisor XXXX/XXXX who both admitted to me that they were aware of a system issue that was causing this and they are currently investigating this issue but do not have a timeline on when it would be fixed, however, they denied to remove the negative inquiries from my report. They are fully aware that they have system issues and that they are illegally adding credit inquires to individual 's reports but refuse to correct their mistakes. I would like the credit inquiries removed immediately in which some are showing 2 or more times. The illegally added inquiries are as follows : XXXX - REMOVED AND ADDED 3 TIMES XXXX XXXX - REMOVED AND ADDED BACK 3 TIMES XXXX - REMOVED AND ADDED BACK 7 TIMES XXXX - REMOVED AND ADDED BACK 3 TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union has admitted wrongdoing but refuses to correct the issue that their system has caused.
Product: Debt collection

I have requested validation of debt several times and they have failed to respond,
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Demand Regarding Unauthorized Credit Reporting Referring to Federal and South Carolina FCRA Identity Theft Fraud Laws Dear AMEX, I am writing to address a concerning issue regarding the unauthorized reporting of information to my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as South Carolina FCRA identity theft fraud laws. 

It has come to my attention that AMEX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, which is a clear infringement of federal and South Carolina state laws. The FCRA explicitly requires consumer consent for such reporting activities under Section 1681b ( a ) ( 2 ). 

Furthermore, South Carolina FCRA identity theft fraud laws impose strict regulations on the reporting of consumer credit information without explicit consent. Any unauthorized access or misuse of personal information, as in this case, is considered a serious offense under South Carolina law. 

I want to emphasize that I have not provided consent for AMEX to report any information to my credit report. This lack of explicit permission constitutes a flagrant violation of my rights and poses a significant risk to my creditworthiness, as well as a blatant disregard for federal and state laws. 

I demand, unequivocally, that AMEX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and South Carolina FCRA identity theft fraud laws. Failure to comply within the specified 30-day timeframe will be considered willful noncompliance and subject to penalties under applicable laws. 

Compliance with these laws is not optional but a legal obligation. This is a demand for immediate action to rectify these egregious violations and uphold my rights under federal and state laws. 

I expect your prompt attention to this matter and anticipate AMEX 's compliance with the law.
Product: Mortgage

In XXXX, we applied for a home mortgage loan modification with Wells Fargo and while the modification was accepted, the new monthly payment amount determined was higher than what we had been paying, and as a result our house went into the foreclosure process. Over the next five years, we tried to work with Wells Fargo to remedy the issue so we could keep our home, but as a result of their deceptive practices, we had to sell our house in a short sale in XXXX and move our family from the home we had loved for 12 years. 

On XX/XX/XXXX, we received a check for {$200.00} from Wells Fargo with a letter saying that " during a review of the account, we identified that when the loan was considered for payment assistance options, an error may have occured. '' It's our understanding that as of XX/XX/XXXX, Wells Fargo mortgage holders that were part of these fraudulent practices are being awarded an average {$24000.00}, not {$200.00}. 

Wells Fargo has not been helpful in resolving this or providing any information as to why we only received {$200.00}.
Product: Credit reporting or other personal consumer reports

This account is Identity theft, XXXX has been informed multiple times. XXXX has misled in regards of the fraud/identity theft process, documentation proving identity theft was provided multiple times and also sent via mailed format. My name is NOT XXXX XXXX, I am NOT and never have been associated to XXXX, my address is NOT XXXX XXXX XXXX XXXX XXXX , I have never been associated to said address. I have NEVER used XXXX  services, I have NEVER inquired in regards of XXXX  services. This is discrimination and misleading on XXXX  part, I am now being harassed by XXXX, Representatives have failed to resolve correctly. I have been more than cooperative, providing every document requested by XXXX yet they have not marked this as fraud, leaving the possibility open for whoever stole my social and committed this atrocity to potentially reuse their services, unacceptable. This is Negligent and XXXX needs to be stopped. XXXX is to delete this from my credit. By law, 15 USC 1681i I am requesting a re-investigation Additionally Law 18 USC 1028A
Product: Checking or savings account

This relates to JPMorgan 's Chase consumer bank. 

We have accounts at a number of banks and we make sure we cover items if we cover overdrafts. 

We would use XXXX to immediately get funds from one bank to the other.

Recently, we have been getting Chase overdraft charges for pending vender charges ( as reflected by Chase online ) that had been covered by XXXX transfers from our XXXX XXXX XXXX account. 

We moved money between these two accounts frequently so these it was a known transaction and never subject to a reversal. 

So, when I made the XXXX XXXX XXXX side of the XXXX transfer, within minutes the transaction was reflected as a reduction in funds and as completed ( that is not pending ). 

On the Chase side, the transfer was shown as clearing the amount of the overdraft ( that is my Chase checking account balance was positive ). Both the vendor charge that created the overdraft and the XXXX transfer was listed as pending. 

After midnight the vendors charges were changed from pending to posted ( the to the prior day ) while the XXXX charge remained pending. The XXXX charge was then posted the next day by Chase while XXXX  XXXX XXXX had posted the transfer the day that it was sent ( the prior day ). Since the XXXX transfer was not posted on the same day sent to Chase, this allowed Chase to charge {$100.00} in fees. 

This happened on back to back days and caused a domino effect with some automatic debits ( like a XXXX subscription ) being assessed a {$34.00} charge. 

The issue is that Chase both backdates posting of vender while future dates posting of XXXX transfers. 

In three days over the last two weeks, this methodology was used to take over {$250.00} in fees from my account, when at all times, funds were covered before the required time the evening before. 

I have no recourse to dispute and have the charges removed and they are paid for by my Social Security deposit despite my objections I think this is outrageous.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$28000.00}, {$2600.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

-- AUTO ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX XXXX has share my report even though I have it frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX ( XXXX  XXXX XXXX XXXX Dear Sir or Madam, XXXX, XXXX XXXX I filed a complaint against XXXX  XXXX XXXX XXXX 

Attached I have the Company response stating that no payments were received. I disagree, in addition my credit report shows one payment made. ( Attached ) In XXXX XXXXXXXX response The Company states Our service provider transmits the account status monthly to all three credit bureaus. 

How is this true when the last reporting dates XXXX, XXXX? Currently it is XXXX XXXX. This account is not timely as the FCRA regulates. 

How did you verify this account? 

I need my full file disclosure and I need you to only report information that is 100 % accurate and complete on me. I do not want any incorrect, incomplete, or misleading information on my report. 

On my report, there is contradictory, incomplete, and incorrect information. 

You keeping this from me prevents me from being able to dispute errors in the best possible way. 

Where is the Payment History showing for each month what the furnisher says about the payments being on current, 30 days late, etc.? 

I have no way of knowing if you are keeping or planning on keeping information on my report longer than the law allows you to keep it. And no way of knowing what errors you are reporting -- without being able to see all of my file contents, I can not dispute errors that you may have on it. 

This is very frustrating to not be able to see this information that you are supposed to be providing to me. If you wont give me all of this information accurately and completely, then please delete the account. 

Thank you for your prompt attention to this matter. I look forward to a resolution that is favorable for both of us. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX
Product: Consumer Loan

In XXXX 2016, Ally Financial was contacted by the Consumer regarding intentional delayed credit reporting. The Consumer discovered on XXXX/XXXX/2016 Ally Financial did fraudulently and knowingly falsify consumer credit reporting by using inaccurate balance data and the date of reporting to distort credit score increase in favor of Consumer ; Example : On XXXX/XXXX/2016 Ally Financial claims on XXXX Credit Report, the report submission date was XXXX/XXXX/2016 and the consumer auto balance was {$37000.00} which is false data for XXXX/XXXX/2016, thereby proof that 60 calendar days had elapsed as the Consumer 's balance fell to {$37000.00} as result of a XXXX/XXXX/2016 payment. From XXXX/XXXX/2016 to XXXX/XXXX/2016 Ally Financial did fraudulently, willfully, and knowingly falsify the Consumer 's XXXX Credit Report by reporting a balance of {$38000.00} ( did not happen until XXXX/XXXX/2016 ) and skipping altogether a balance of {$37000.00} ( which happened on XXXX/XXXX/2016 ). Ally Financial has intentionally used false/delayed credit reporting tactics repeatedly against the Consumer in order to intentionally mislead/depress credit score increases that occur naturally with aging of account life and decrease of balance. Further, the reasoning for the above-mentioned illegal credit reporting tactics by Ally Financial serves to delay credit score increases whereby the Consumer could either refinance the auto loan at a lower interest rate or change to another more reputable lender altogether.
Product: Credit card or prepaid card

I have had XXXX accounts attempted to be opened using my name/SSN/other information. All of the accounts were denied, but they showed up as inquiries on my credit report. No purchases were made as no accounts were successfully opened. I have contacted XXXX to report the fraudulent activity as well as the companies associated with the accounts to report them as fraudulent. Each company stated that they stopped the account/application from proceeding and marked it as stolen. I contacted each company on XX/XX/2023. Each company, along with the date the inquiry appeared on my credit report, are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, no accounts were opened and no funds were taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Bank account or service

Wells Fargo Credit issued a Visa Card in my name and it was used to charge {$4100.00}. We knew nothing about this Visa. We never asked for or approved or knew about the Visa until their Fraud dept contacted us about the {$4100.00}. We never received a physical card nor anything in the US mail until four months later when they sent us a bill and now are thereating us with fines. They also ruined our credit ratting. We have spoken to them several times. They have assured us they would take care of it, yet we still are getting the bills and our credit can not be fixed. HOW CAN A BANK ISSUE A CREDIT CARD IN SOMEONES NAME WHEN THEY KNOW NOTHING ABOUT IT! We do not have a savings or checking or credit account in Wells Fargo. But we do have a home morteage with them. Help
Product: Debt collection

This debt was paid XXXX 2014 to XXXX, CBE group has contacted me twice in the last two years to collect a debit I owed XXXX and paid in full 2 years ago. I went thru my records to find the receipt and date of payment the first time CBE contacted me in XXXX 2014. Now I 've received another notice, but this time they 've added another name to my account, actually they 've added one persons first name with someone else 's last name. Nobodys name was on my XXXX account but mine, and this is a paid account. The second name has my deceased dads first name and my ex husband, of 19years, last name. What kind of scam are they trying?? Collecting on paid accounts and guessing with names being involved that Never was ...
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the account completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am a co-signer of a private student loan with XXXX XXXX who uses FirstMark as their servicing company. My son makes the regular monthly payments while my husband and I make additional payments on his student loans. On XX/XX/XXXX, we made an additional online payment of {$1800.00} and specified that it be applied to only 1 of the 5 notes that my son has. This amount was an exact payoff amount for this specific loan. I even had a FirstMark loan officer on the phone with my husband and me to verify that it was paid in full. The loan advisor said that he could see in my account that the loan was paid off. 

On Friday, XX/XX/XXXX, we were shocked to see from my online account that this loan was not paid off in full but rather our {$1800.00} was divided into 5 payments of {$360.00} and applied to all 5 loans. WHO CHANGED MY ONLINE PAYMENT? We have heard that it is against the law to go into someone's account and change their payments. This is not the first time FirstMark has ignored our special instructions and paid loans not intended to be paid. In fact, this problem has been going on since XX/XX/XXXX and continues today. We have spent numerous hours on the phone correcting mishandling of our additional student loan payments. Corrections have been made month after month but we do not know how much money was lost by their mistakes. Remember, these loans accrue interest daily. My husband and I feel that they are intentionally preventing us from early payoffs of targeted loans. We are frustrated but will not be deterred from meeting our goal of paying off our son 's student loans early.
Product: Bank account or service

My mother passed away in her sleep, in her apartment in XXXX, IL, XXXX XXXX on XXXX XXXX, 2016. Her soon to be ex husband, who is on XXXX in Florida, is on XXXX filed for legal and financial separation after she left him about a year earlier. The decree was to be finalized towards the XX/XX/XXXX. He has no money and could not have done anything concerning the arrangements. She has a sister there ( XXXX XXXX ) who was trying to deal with everything although she has no money either. There remains only my sister and I. I being the eldest I stepped in for my Aunt 's sake. I paid for everything, the cremation, memorial, etc. I paid for my flight there and my stay there to try to take care of things. I also had to pick up the car, pay it off and drive it back to XXXX from Illinois. What remains to be resolved is the small checking account at PNC bank. In there is {$2700.00}. Social Security removed about {$XXXX} which they had just sent her so now there is the {$2700.00} left. Social Security removed this after I let them know that she passed away. I informed everyone, having the death certificates and providing them, that my mother passed away. I was originally told by PNC while I was there that I could hand write and notarize a document declaring that I will be handling her affairs as she left nothing, no instructions, will, POA ( except for what to do with her remains ). Someone else was supposed to have taken care of her remains ( POA ) but they did not, so it was left to me. My sister does not want to be involved although I have included her anyway. So PNC has told me that they need documents stating that they can send me a check for the balance of her account. They also told me the death certificate and the hand written notarize letter which they told me to produce would not resolve this. I spoke with many people at PNC to try to resolve this. So after several phone calls to the State of Illinois and OCC, I have been referred to you folks. I am hoping that you can help. They ( PNC ) told me they will hold on to the money for 4 or 5 years before releasing it to the state. It is not their money and it is easy to prove that I and my sister are her remaining, living children. Obtaining a lawyer would take much of the money so it would only add to the frustration. Filing a Small Estate Claim requires that I be responsible for her outstanding Credit Card debt. Not an attractive idea. I have not contacted any of the CC companies. There are no PNC branches out here in XXXX.
Product: Bank account or service

I HAD A TD BANK ACOOUNT THEY CHARGED ME XXXX, XXXX IN OVER DRAFT FEES FOR XXXX CHARGE OF XXXX FOR A MATRESS, AND THEY CHARGED ME OVERDRAFT FESS FOR EVERY TIME THEY MESSED UP ON THERE PAYMENT IOTION TO PAY BILLS, THEY KEEP SUBMITTING PAYMENTS TO COMPANIES AND THEY TAKING THE MONEY BACK THE PAYEMNTS WHERE NEVER AUTHORIZED BY ME, AND THEY WERENT DUE PAYMENTS SO ALL THE COMPANIES CHARGED NMY XXXX EACH TIME IN FEES I OWE XXXX XXXX IN REFUND PAYMENTS AND ALL THE OTHER COMPANOIES CHARGED ME FOR CHECK REVERSAL FEES TOO, I NEVER OWED THEM MONEY TO BEGIN WITH, TD BANK TOLD ME TO BAD AND CLOSED MY ACCOUN TSO I CANT EVEN PULL UP ANY DETAILS, THEY ARE RUDE THEY RIP PEOPLE OFF I AM NOT THE ONLY ONE, THEIR OVERDRAFT AND CHECK REVERSAL FEES ARE RIDICOULOS THEY SAY I OWE THEM OVER XXXX FOR FEES. PLEASE HELP
Product: Credit reporting or other personal consumer reports

I notice this company on my credit I sent a letter through my XXXX credit bureau requesting to validate.this company refusing to validate i request information with a signature along with questions asking if any XXXX claim, and XXXX file if this debt is the right chain of command to collect on this debt they refuse to validate through my XXXX credit bureau.
Product: Credit reporting

There is an account listed from XXXX XXXX XXXX which has an inaccurate late payment remark, all my accounts have always been paid as agreed. Please correct this issue ASAP and see attached