23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On Sunday, XX/XX/23, I signed up for XXXX XXXX after completing my taxes using XXXX. XXXX XXXX " recommended '' an auto loan refinance with RateGenius, and displayed an advertisement for RateGenius showing the outstanding amount on my current loan an estimated monthly payment of more than {$70.00} less than my current loan, and an interest rate of 3.30 %, which is 0.69 % lower than my current loan, for a 36-month loan, and no fees are indicated. That offer made sense to me and so I applied. I completed all of the required information and answered questions for a RateGenius representative who called me. 

This included agreeing to a " hard '' credit inquiry -- which impacts my credit score. Still, I was willing to do so because of the amount of money I would be saving monthly and over the life of the loan. 

And, by the way, my credit score is excellent -- XXXX. So there is no legitimate claim that I should not qualify for the best rate. 

The RateGenius representative then called me back saying I was approved for a loan at more than 4.6 % APR -- far higher than I already am paying! Obviously that is not even close to what was advertised and in no way something I would have even thought about had the advertising not been misleading! 

Clearly the rate and monthly payment amount advertised by RateGenius on XXXX XXXX was nothing more than a " bait-and-switch '' type offer to get me to apply for a loan. Now I have a " hard '' inquiry on my credit history for no good reason whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per previous request, My complaint issue was never resolved with a confirmation that my account was unfrozen. I did follow your response instructions and login to XXXX account and followed through the process requested ti resolve my issue. I did so, and never receive a confirmation, that indeed, my report was unfrozen.
Product: Credit card

On XX/XX/year>, Bank of America close my credit card account ending in XXXX. The account was in good standing and paid on time, average payment was well over the minimum expected. When I reached out to the bank they refused to listen to my concern and address the closure. The answer I got was they reviewed my customer profile and decided to close the account. My checking/savings account attached to this had over {$90000.00} currently. They closed it and sited the terms would have to change, meaning the APR or interest rate. Im now supposed to reapply at a higher cost. This to me seems like predatory lending, looking for ways to increase a fee for current customers to pad the bottom line. I want my card to reopened at the same terms. I also never agreed to have my credit reviewed, this was not approved and caused a hard inquiry on my credit profile. Please help in this situation.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for the American Express EveryDay card. The bonus I was offered was XXXX points after {$2000.00} in spend in 3 months. On XX/XX/XXXX I noticed XXXX points had been deposited into my account with a description of Amex EveryDay $ XXXX spnd/XXXX MR . Since this appeared wrong I contacted customer service to see if the balance would be deposited when I met the {$2000.00} spend since I hadn't met it yet and she indicated I had signed up for a different offer. I explained that I had in fact signed up for the XXXX point offer and even had a screenshot of the application. She offered to submit a ticket to have it resolved and that it would take up to 2 billing cycles for resolution. As of XX/XX/XXXX I had  not received the remaining XXXX points so I chatted with a rep by the name of XXXX using online chat. He indicated the ticket has been researched and closed indicating they wouldn't give me the balance. I asked him to open a new one. As of XX/XX/XXXX I still had not received the balance or any contact from the company regarding any of these tickets so I once again chatted online and was told the second ticket was also closed and they weren't giving me the remaining points. I called customer service on XX/XX/XXXX as  well and after a period of time on hold the rep explained he couldn't do anything more and he had also spoke with his supervisor who also said they couldn't do anything more. They advised that I write a corporate complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not letting lenders pull my report and when I call the say everything is fine on their end. I am trying to buy a house and they need this score.
Product: Payday loan, title loan, or personal loan

Disclaimer : This did not result in an actual loan, but this company 's practices could harm many people looking for some financial relief. 
We received an offer in the mail from Fast Loans Funding, advertising a personal line of credit totaling {$30000.00}. that would reduce our monthly payments from {$620.00}. to {$150.00}, and there would be no interest and no payments for 12 months. " Simply call ... and receive your line of credit in just a few weeks that you can use to pay off your high interest credit cards. '' The communication included the XXXX  logo and touted that they had an A+ rating. The offer said that we qualified for a consolidation loan of {$20000.00} with an added {$10000.00}. Our average interest rate would be 3.99 %, and our minimum monthly payment would be {$150.00}. So we started the process giving them all the info required for a loan application. XXXX XXXX, a customer service rep. Called us several days later to say we were approved. Next, they wanted to walk us through the plan. They said a secured trust fund would be established for us and we should pay {$550.00}. per month into that account for 12 months, and that we did not need to pay our other bills. Where's my {$550.00} a month going? They were actually telling us that by not paying our bills, the collection agencies would be willing to offer a much lower pay-off. I could not believe they were advising people to do this, and I'm sure many people fell for it. I told the rep ( XXXX XXXX (@XXXX ) " No! Where are you going to be when they come to foreclose on my house. This is not only false advertising ; ( that could have devastating outcomes for anyone who accepted the deal ), but it was also the bait and switch game. My worry is for all the people who are struggling, desperate for a solution to their money problems. Where is truth in advertising. I also worry because they now have all our personal info ( SS #, DOB, Income, Loans and Credit Cards ). I hope this will be investigated. I have already gone to the XXXX, but the company response was more lies. I do have the mailer, if it would be helpful. Many thanks for looking into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because as you know I submitted a dispute against Equifax .... NOW they wont even allow me to see my credit score from them. Everytime, ( all 48 ) of them I try to log onto that account there pops up a sign saying OOPS unable to connect at this time .... don't you think its a little funny that I cant see my score because I submitted a dispute against them? Well, I'm not done yet, Im doing to submit a complaint about the whole XXXX system and possibly make sure this XXXX  stops .... you are the one supposed to regulate this XXXX and all you do is submit the complaint to the company, you don't make them do the right thing, you don't even follow up on the complaints ... YOU DO NOTHING .... if I can not receive MY credit score, NOT THEIRS, they have no business with my personal information and this company needs to be taken out of business ... if this is the way you think people and their personal information are supposed to be treated, well you're very very wrong .... playing with peoples lives is not legal and I for one will not just sit and let this happen ... XXXX is another one you cant get in touch with so WHY ARE THESE COMPANIES ALLOWED TO HAVE PEOPLES PERSONAL INFORMATION WHEN THE PEOPLE WHOS INFORMATION THEY HAVE CANT EVEN GET TO IT? YOU MAY THINK THIS IS OKAY, BUT I HAVE NEWS FOR ALL OF YOU ... IM NOT STOPPING HERE AND IF YOU THINK THIS IS JUST ANOTHER DISGRUNTLED PERSON WHO WILL NOT PROCEED WITH THIS, YOU ARE VERY WRONG ... .. IF I CAN NOT GET ONTO EQUIFAX AND XXXX TO RETREIVE " MY '' CREDIT SCORE, NOT THEIRS, THEN WE HAVE A PROBLEM AND I WILL FIND THE SOLUTION BECAUSE YOU DO NOTHING AND I CANT FIGURE OUT WHAT YOU'RE FOR? USELESS
Product: Credit card or prepaid card

I have a dispute with my Chase credit card that I disputed online last week. As the online form was not complete on information on next steps and how Chase Credit Card would notify me of status I called tonight XX/XX/2018. The Dispute number from Chase Credit Card is XXXX. During the call as we were wrapping up the call the agent from Chase disputed that I was recording the call even though Chase before connection to the agent stated THEY WERE RECORDING the call. Nowhere in an Chase Credit Card or Chase Bank account information states that they CAN record the conversation while the customer can not. The agent transferred me to a supervisor where I specifically asked is it's Chase 's policy to record calls and the customers can not and the supervisor stated it WAS Chase policy. So I am left with a dispute on my credit card where I can not call into CHASE because their policy as admitted by the agent and the supervisor is that I can not record the SAME call they ARE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 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 ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 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 ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX   XXXX  XXXX, PA XXXX XX/XX/2020 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 ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX complaint informing the Credit Bureaus that I am a victim of identity theft and I complaint to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Bureaus are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, KY, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXXXXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$340.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$85.00} XXXX XXXX XXXX XXXX XXXX : {$7500.00} US DEPT ED XXXX XXXX : {$7400.00} US DEPT ED XXXX XXXX : {$7200.00} US DEPT ED XXXX XXXX : {$4100.00} US DEPT ED XXXX XXXX : {$3600.00} US DEPT ED XXXX XXXX : {$2600.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

RE : Fraud of my Wells Fargo accounts To whom it may concern, My name is XXXX XXXX XXXX and I'd like to share my recent nightmare with Wells Fargo. 
On XX/XX/2022, I received a message on my phone to call the fraud department of Wells Fargo. When I returned the call to the Wells Fargo fraud department, I was told that my account had been compromised. I was then instructed to change all my passwords and that my bank and credit card accounts would be frozen. I was assured that I would get new credit cards and my new account information within three days. After a few days I contacted the fraud department. It was then that I learned that my personal and business checking accounts had been compromised. In that same conversation I also learned that both of my credit cards were maxed out. To add insult to injury, I learned that a credit card that I had not seen or used in at least five years had wired {$9000.00} to a XXXX XXXX account. As the nightmare continued, I learned that both my credit cards had cash advances or money transferred to my business account which subsequently was wired to a XXXX XXXX XXXX account in the name of XXXX XXXX. To my dismay, I was informed that approximately {$28000.00} was stolen from me. This includes a credit card that has been dormant for years maxed out with cash advances and wire transfers by XXXX XXXX who said to Wells Fargo that she was my wife. The problem is that she lives in Ohio and I've never been married nor visited much less lived in Ohio. 
I've had numerous conversations with numerous people with Wells Fargo and given a number of different responses that ranges from " it's all my fault and there's nothing they can do '' to we're going to " restore my accounts to the pre-fraud balances '' then reversing that to it's my problem. 
I have the call logs from my phone carrier and have verified that all the numbers that I called are actual Well Fargo numbers. 
It is very depressing to have my life savings stolen only to find out that Wells Fargo is billing me for the cash advances and wire transfers that added approximately {$10000.00} to the total. So, not only does Wells Fargo refuse to accept any liability refuse to follow the money trail but sends me a bill with interest for the money transfers from my dormant credit card. 
I've asked how anyone including myself can have a card that's been dormant all of a sudden start a series of cash advances and wire transfers without any red flags alerting the possible fraud. I have the same questions about my personal and business checking accounts. 
Every banking institution or credit card company have algorithms that they use for creating additional business for themselves but they also have algorithms to protect against situations like mind. How can any financial institution not respond to the numerous transactions knowing that their customer has NEVER before initiated any actions like these. 
In closing I'm requesting that a true and thorough investigation to the handling of my complaints by Well Fargo be initiated. 
My contact information is : Email : XXXX XXXX : XXXX Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is claiming I owe them a debt which I do not I have never heard of this company nor applied for any line of credit with I asked them to show me proof that the account belongs to me and they have not. They recently updated ( XX/XX/2022 ) this account to delinquent when it is already in collections. The constantly call and harass me but no one can validate this account please get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had 270 days and ( 6 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance : {$1500.00}
Product: Credit reporting or other personal consumer reports

I have noticed several accounts on my credit report that I do not recognize, which appear to be the result of identity theft. I did not authorize these accounts. I previously reported this issue, but it remains unresolved. 

I am requesting that these unauthorized accounts be removed from my credit report immediately. Their presence is causing significant stress and does not reflect my actual credit history or financial responsibilities. 

If this matter is not resolved promptly, I will consider taking legal action to protect my rights. These incorrect items are hindering my ability to achieve important financial goals, such as purchasing a home and providing for my family. 

I hope we can resolve this issue quickly. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the time of the identity theft gain access I believe my personal information including my Social Security number was used to open up accounts without my permission in my authorization I hope by submitting this report it will help me stop put a stop to this issue
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXXXXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a propera reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX. 
I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern May I please request your assistance in resolving a matter regarding a Hard Inquiry on all three of my personal credit reports that is fraudulent activity not requested by me. The company is known as : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH,XXXX This is for a charge card this inquiry is scheduled to continue on record until XX/XX/XXXX. My personal statement on all three credit reports clearly states that I am a victim of identity theft and that I am to be personally contacted before any credit report is pulled. Furthermore I have a credit freeze on all three credit bureaus. I never initiated any inquiry of any kind for a credit card
Product: Mortgage

Dear Supervisor, I have asked for the servicer to provide information on the account. They ca n't seem to locate it. In the dispute is the amount owed {$78000.00} verses {$110000.00}. Because this was sold to them by XXXX XXXX XXXX XXXX. in the last two weeks. Also, we are asking for further information for Modification. A Qualified Written Request is needed to establish the exact amount owed as soon as possible because we DISPUTE the balance.