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

Received XXXX separation dispursment from XXXX XXXX XXXX verified check on XXXX and I provided my IDs and 1099R review form along with the original check that I was told to mail in on XX/XX/XXXX after deposit mobile on XX/XX/XXXX. I made complaint to XXXX  over week ago have not heard back and every day I call they tell me another day or two and when I do they request something else. I have XXXX XXXX XXXX  and need this money for them is why I chose to do an early distribution. The check is for {$1800.00} and has been proven cleared since XX/XX/XXXX after a 3 way call with Morgan stanley bank and XXXX XXXX  who distributed the check for XXXX XXXX. No money had been made available and they closed my account and I'm still waiting to receive the monies. Much more to be told but proof in the pudding that this is being done unlawfully now at this point.
Product: Mortgage

My mortgage was sold effective XX/XX/2016 to LoanCare, XXXX in XXXX, VA. Part of my monthly payment is Escrow for Property Taxes, when I purchased I signed a paper stating I wanted my Property Tax check sent to me in XX/XX/XXXX! It is XX/XX/XXXX and my taxes have not been paid! I have called the company 20 times in past three weeks and get hung up on or told the tax department has no phone and a request will be sent by email with no results! I have emailed & mailed a letter - no response! HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are reporting information in regards to a name, bankruptcy and addresses to the credit bureaus that do not belong to me. Despite disputing several times, XXXX XXXX, XXXX XXXX XXXX, Chex Systems, XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX have refused to delete this information from my reports resulting in my credit profile suffering tremendously.
Product: Debt collection

I submitted a complaint letter about the actions of the collection agency, I.C. System, Inc, in regard to a debt claim against me in the amount of {$230.00}. I have no knowledge of any contractual agreement or transaction with I.C. System, Inc, and I have never received any services or goods from this company. Despite my request for verification of the debt in question, I have received no documentation or proof that substantiates this claim. Given the absence of any prior knowledge or dealings with this company, this situation raises serious concerns about the validity of their claim, and I am worried that I may be the target of a scam or fraudulent activity.
Product: Credit card or prepaid card

I used my Barclaycard to purchase something online. Immediately, after doing the transaction I knew something was wrong and called them. They told me not to worry that it would not charge my account twice and voiced my concerns that I thought something was wrong. Still they said not to worry. I waited for the product to arrive it never did. I tried to call them multiple times, but due to Covid could not get through. I even tried to dispute on their full website and it would not go through. Finally, I called and got through I explained everything to the representative and she filed a dispute. A month or so later a man from Barclay called me and said they were reversing the refund they had given me. Again I tried to explain to him what happened. I asked for this claim to be reviewed by a supervisor. I was told no that they had confirmation of delivery. I again tried to tell him that this was fraud. And he proceeded to tell me that I needed to be more careful when using my credit card. I told him I was careful and called Barclay immediately to report. The person that called me was named XXXX. I asked XXXX what his last name was, and he told me that he would not disclose his last name. I want my XXXX back. This is not the first time this company has done this to me, and I have had my card with them for many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$30000.00} ; XXXX  XXXX Balance : {$16000.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX  XXXX Balance : {$11000.00} ; XXXX  XXXX Balance : {$2800.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX  XXXX Balance : {$12000.00}.
Product: Vehicle loan or lease

I paid off my Auto Loan ( including overage ) with Gateway One Lending on XX/XX/2020. Gateway One indicated they would have the over-pay amount ( approximately {$1300.00} ) returned to me in 30 business days or less. Gateway One was purchased by Santader Bank in the interim and as of today XX/XX/2020 I still have not been refunded my over-pay amount for the vehicle. Due to the company take-over Gateway One customer service is no longer available for contact and all calls are forwarded directly to Santander Bank. I have spoken to representatives at Santander Bank 3 times with ZERO indication of when or even if my over-pay balance will be returned to me.
Product: Mortgage

we and my husband got a dissolution he took ownership of the property my name was supposed to be removed from the mortgage only to find out later by disputing with the credit bureaus did i find out it was not removed also i found out by the bank itself it was not removed after giving them my ex 's social security # then all of a sudden they found my name still on the mortgage like they are trying to hide it.
Product: Checking or savings account

On XXXX XXXX I realized that somebody open a Bank of America account under my name and also there were two transactions intended to make two payments from my personal account to a company name XXXX XXXX on XX/XX/XXXX for {$8600.00} and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing items on my credit report since XXXX XXXX i have sent proof, i have sent affidavits, i have sent police reports as well as ftc reports. i have requested proof of application or signed contract that were filled out when accounts were open because they were being reported inaccurately. the 3 agencies have only replied with generic responses. According to FCRA 1681e ( b ) consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information contained in a consumer report. XXXX, Equifax and XXXX continue to violate by willfully and negligent non compliance with any duty imposed by the FCRA. I have continue to fight but i need your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I disputed an account on my credit report with a factual error with XXXX  / XXXX XXXX which came back verified even when I have a letter from the creditor in dispute that I will attach to this dispute saying that the account is no longer with them, so then how did EQUIFAX verify this?????? EQUIFAX has failed to do a proper investigation. I demand that EQUIFAX provide the method of verification under section 611 of the FCRA or delete this account immediately
Product: Credit reporting or other personal consumer reports

Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that XXXX have been compromised. 

Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$5800.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing as a negative on my XXXX Account and it has been paid in full. The Loan is number XXXX. I would like to have this removed from my credit report. 

thanks, XXXX XXXX
Product: Consumer Loan

I had XXXX accounts with credit central. In the last few months I got behind. I started paying XXXX check for XXXX accounts each month. I advised the manager XXXX XXXX on several occasions that I was paying XXXX check for XXXX accounts. She continued to insist that I was behind even though I was paying XXXX check for the XXXX accounts each month with late fees included. In XX/XX/XXXX I went to the location I discovered my account was overdrawn and stopped to tell her the check I wrote would bounce and told her I wanted to pay her cash to take care of the bad check, the fees, and bring my account current through XX/XX/XXXX. She said the amount would be XXXX. I had XXXX. She did n't have change and had to go to the bank. She was gone half an hour while I sat waiting. She then took twenty minutes to figure out how to post the money. She printed me XXXX receipts total. First she printed XXXX, XXXX for each account. When I saw she charged me a returned check fee two times for XXXX check she called corporate. They told her there should only be XXXX fee. She then reposted my cash, printed me XXXX more receipts XXXX on each account, and when I saw the remainder on the small XXXX was XXXX I then gave her cash to pay that off. I told her I would be back in XX/XX/XXXX and she agreed. Then three days later I got a call that I owed te bad check and fee when I had just paid it. I advised tee to have XXXX call me. She left a voicemail I tried three days to call back but she was always in lunch as I am only call at lunch when I am not having a business lunch. We played phone tag. After two weeks of working solid teaching classes I called and tee said I owed XXXX my payment on the account not paid was around XXXX. Tee said I owed the bad check, the fee, two payments and late payments and another XXXX she could n't explain. I looked at the receipt XXXX and none reflected I paid XXXX for all of that. The only receipt that was right was the one that showed I paid off XXXX account for XXXX. The others did not add up to XXXX cash I had given her. This manager either posted my money wrong or flat out stole it. I no longer have the receipts but I am sure the company must be able to pull things like that. Two years ago they called me and said I was late on a payment I had given them when i went to pay the payment after cancelling the check they said they did n't have, I showed the girl at the desk that my check was laying right there on her desk ( the XXXX I had paid to cancel ). I drove up there on lunch to give them something they already had. I should have filed a complaint then but did n't.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding several fraudulent inquiries that have appeared on my credit report. As an elderly and XXXX individual, I have encountered three unauthorized credit inquiries on my report, which I did not initiate or authorize. Despite my efforts to resolve this issue directly with Equifax, these inquiries remain on my credit report, negatively impacting my credit score and financial well-being.

Description of the Issue : Upon reviewing my Equifax credit report, I discovered the following three unauthorized inquiries that were made without my consent : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TN XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Date of Inquiry : XX/XX/XXXX These inquiries have adversely affected my credit score, making it difficult for me to access credit at reasonable terms. As someone who depends on good credit for financial stability, this situation has caused me significant distress. 

Actions Taken : In response to these fraudulent inquiries, I promptly filed a report with the Federal Trade Commission ( FTC ), Report Number : XXXX. Additionally, I contacted Equifax to dispute the inquiries and requested their removal. However, despite these efforts, Equifax has not resolved the issue. The fraudulent inquiries remain on my credit report, and Equifax has not provided a satisfactory explanation or resolution. 

Consumer Rights Violated : I believe that Equifax has violated my rights under the Fair Credit Reporting Act ( FCRA ), including : XXXX. Right to Accurate Credit Reporting : The FCRA guarantees my right to an accurate credit report. The presence of unauthorized and fraudulent inquiries constitutes a violation of this right. 
XXXX. Right to Dispute Information : The FCRA allows me to dispute inaccurate or unauthorized information on my credit report. Equifaxs failure to address and rectify these disputes violates this right. 
XXXX. Failure to Investigate : Equifax is obligated under the FCRA to conduct a reasonable investigation when a consumer disputes information on their credit report. I believe Equifax has not fulfilled this obligation, as the fraudulent inquiries remain unaddressed. 

Important Note : While I am seeking the removal of these unauthorized inquiries, I do not want a fraud alert placed on my credit report. A fraud alert is not necessary in my case and could complicate my access to credit. I am specifically requesting that the removal of these inquiries be handled without placing a fraud alert on my credit report. 

Impact : These fraudulent inquiries have resulted in a lower credit score, which could potentially lead to higher interest rates, denial of credit, and other financial challenges. As an elderly and XXXX individual living on a fixed income, this has caused me undue stress and poses a significant risk to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX unauthorized hard pulls and XXXX XXXX XXXXXX/XX/XXXX same reason. XXXX XXXX XX/XX/XXXX same reason and XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX same reason. XXXX XXXX XX/XX/XXXX same reason. 
XXXX XXXX XXXXXX/XX/XXXX same thing. XXXX XXXX XX/XX/XXXX. 
I did not authorize the child support department to put nothing on my personal credit I never gave the my ssn. diversified adjustment I never authorized them im unaware of this its not me. XXXX XXXX I this is unauthorized I don't know this place
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Wells fargo account number XXXX. I did purchase 2 gift cards for total of {$1000.00}. They were not given to me by the merchant. Wells fargo " resolved '' my dispute by stating since I did purchase the gift cards I must pay for them. Buy if I have never received them why I need to pay for them??? XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX To somebody who can help me. I am very upset about the erroneos things I see on my cradit report. These accounts are unverifiable, invalid, inaccurate and questionable. If all information reported on my report is not 100 % accurate, it must be removed. I hope you can find out what's going on and locate who the inaccurate information belongs to. Can you expedite this quicly? It is my to understanding, that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of the receipt of this letter. According to the law unverifiable, innaccurate, accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 
Thanks for your help with this matter. 

1. Billing error XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

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




Sincerely,
Product: Credit card or prepaid card

I had someone scam me and take over my account and transfer over XXXX $ from my credit cards. Due to this all my credit cards have been closed because I am a XXXX  and am unable to pay this debt with the growing interest. I tried speaking multiple times with Wells Fargo and they denied my claims. In their reports they have the phone number that scammed me, they knew the person lived in XXXX XXXX, AZ and they did not return the money that was charged. Wells Fargo ruined my credit. They returned a small amount of the XXXX but with interest I can not pay and they closed all accounts to tell me there is no further research they can do to refund the money or reopen the credit card that they rightfully closed. If I was a senior citizen or had more money in my account they would have returned the money to me but since I was a XXXX I was unable to get the money that was taken in cash advances off my credit cards. I tried my hardest to resolve the situation but this is my last resort. I really need help this is unfair to ruin my credit when it was a hacker who used XXXX to send cash advances overseas and wire advances to names that are hard to pronounce. The hackers told me they would take a cash advance to give to their sons and then would send me a fake check to deposit that would help me also pay for my career and a new car. At the time I needed one and was attempting to start an XXXX XXXX and believed this person to be a sponsor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit card

I received a credit card that I did not apply for. When researching the numbers on the form and card, it was concluded that the numbers may be fraudulent.
Product: Credit card or prepaid card

Capital One reduced my credit limit on XX/XX/20 by {$24000.00}, which will have an impact on my credit score. The email I received stated the decision was made because of my low usage ratio on the card. Their website states that changes are only made due to credit risk, however, my risk level has not changed. 

When speaking with them on the phone, they refused to restore my credit line. They refused to evaluate me for an increase due to needing to wait 6 months after a credit line change. I have been a customer for over 8 years and have never missed a payment, and I feel I am being systemically targeted based on a company decision, and through no fault of my own.
Product: Debt or credit management

This is a third-party debt that I do not owe. There is XXXX payment that I need proof of as I am not familiar with this creditor. Any credit card debt that was not authorized by me has an affidavit of fraud and/or police report attached. Ive been provided nothing and now Im being sued by LVNV Funding, which is owned by XXXX XXXX. I am XXXX and on fixed income. 

XXXX XXXX, who is now XXXX, ran up about a dozen credit card debts that were not authorized to be open in my name. He even went into his local XXXX XXXX and got cash advances on a debit card that only had my name. I spoke with regions bank about this issue. I do not have access to his certificate.
Product: Mortgage

I took a out a mortgage in XX/XX/2006. The lender advertised low monthly payments and low interest rates which mislead me to take out a mortgage loan. However, the low monthly payment and low interest rate was never apply to the loan I took out. I tried to do loan modifications but even that has been denied several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 

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 an 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case