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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you 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 human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX - ACCOUNT NUMBER : XXXX, BALANCE- {$420.00} DiscoverBank - Account number : XXXX balance- {$2600.00}
Product: Checking or savings account

Shortly after receiving a direct deposit, Wells Fargo bank stated it would be closing my account and that deposits were blocked. As a result my funds disappeared for several days. I spent hours at a bank branch trying to resolve the situation. The bank continuously stated falsehoods, as to the ongoing financial fraud and embezzlement carried out by the US and its financial entities.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and rectify them immediately in my report : 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
Product: Student loan

Ive been trying to pay my student loans. I know someone was forgiven. I really need the help at the moment.
Product: Debt collection

Per Texas finance code 392.101 this company is not licensed and bonded to collect debt in Texas
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now the FORTH and FINAL time I will be contacting you to remove the UNAUTHORIZED inquiries issue ( XXXX ) which follow : XXXX with Date of Inquiry of XX/XX/2021 XXXX with Date of XXXX of XX/XX/2021 XXXX with Date of Inquiry of XX/XX/2021 XXXX with Date of Inquiry of XX/XX/2021 XXXX XXXX XXXX with Date of Inquiry of XX/XX/2021 XXXX XXXX with Date of Inquiry of XX/XX/2021 XXXX XXXX with Date of Inquiry of XX/XX/2021 XXXX XXXX with Date of Inquiry of XX/XX/2021 My first few requests were simple. And you failed. Miserably. You provided absolutely no documentation or proof that the inquiries in question were obtained pursuant to the Fair Credit Reporting Act. Once again, you gave an entirely inappropriate response by encouraging me to deal directly with the furnisher. 

I have already provided ample proof and documentation of my efforts to communicate with the furnisher ( XXXX ) and their failure to provide ANY documentation of permissible purpose or authorization from me. 

These inquiries must now be deleted. Send me an updated credit report showing the removal.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding multiple unauthorized and inaccurate inquiries being reported on my credit report by Experian. These inquiries were not authorized by me and are not associated with any of my current accounts or credit applications. Their continued presence on my credit report is unjustly damaging my creditworthiness. Despite my repeated efforts to resolve this matter directly with Experian, these unauthorized inquiries remain on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), consumer reporting agencies are required to ensure that only permissible inquiries appear on credit reports. Permissible purposes for inquiries include cases where I have explicitly applied for credit, sought employment, obtained insurance, or provided direct consent. The inquiries in question fail to meet these legal criteria, and their reporting constitutes a violation of the FCRA. 
Furthermore, under FCRA Section 1681i, Experian is obligated to investigate consumer disputes and correct inaccuracies promptly. I have disputed these unauthorized inquiries multiple times via mail and through Experian 's online dispute portal. However, no corrective action has been taken. This lack of action directly violates Experians legal responsibility to ensure accurate and verified reporting.

The presence of these unauthorized inquiries misrepresents my financial behavior, creating an inaccurate and misleading credit profile. Inaccurate inquiries can unfairly lower credit scores, resulting in financial harm, including higher interest rates, denied credit applications, or diminished financial opportunities.

Resolution Requested : Immediate removal of all unauthorized and inaccurate inquiries from my Experian credit report.

Assurance that Experian will conduct a thorough review of my credit file and implement stronger controls to prevent unauthorized inquiries from appearing in the future.

Written confirmation of the removal of these inquiries and verification of compliance with FCRA requirements.

Thank you for your attention to this matter. I trust the Consumer Financial Protection Bureau will ensure Experian upholds its obligations under federal consumer protection laws. 

OXXXX 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 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: Debt collection

Received a call from D2 Management from XXXX on XX/XX/23 @ XXXX a woman identified as employee of the company she confirmed my first and last name and proceeded to give me the last four of my SSN unprompted. She disclosed personally identifying information without proper verification. Then when asked for referral # and original acc # for validation of debt she proceeded to offer to collect on amt owed and not provide information as requested and insisted this was for me and proceeded to give me my ENTIRE SSN, again unprompted as my call was on SPEAKER PHONE anyone could have heard this! I insisted on the information I requested to validate the debt and ended the call. The way the rep spoke to me was abusive trying to use my personal information as a weapon to scare me into paying a debt that happens to be in my name. This is a violation of personal information that could damage my identify if given to anyone that says they have the same name!
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the customer service employee representative and I have been a VICTIM of their inquiry issue. I listed my inquiries that I would like to be deleted, and their customer service at Transunion would not help and take care of the negative inquiries reporting to your credit report. My inquiries are ;  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Mortgage

I was behind on my mortgage due to a financial emergency. I got a lot of positive feed back and was told that I could rewrite for a lower rate and lower my monthly payment to better help with paying on time. 

The paperwork I received said the following : ( attached ) Spread it out over the remaining term. 
Reducing interest rate Deferring interest and advances extending the term and in some circumstances forgiving the balance owed I was told these and it is in their language on their forms. 

However once all was said and done I had no option but to take their option or loose my home. 

They raised my interest rate from 3.25 % to 4.75 %, charging me {$500.00} more per month, charged an astronomical amount of fees and penalties, and this was suppose to help? They got the federal bail out, The VA said they should have helped. Th VA isn't helping.
Product: Money transfer, virtual currency, or money service

Coinbase. I had XRP cryptocurrency in Coinbase Vault. When I try to transfer funds to the wallet so I could trade/sell it will not let me. I am able to click approval links in both my primary and secondary emails but only the primary email link registers. The secondary email link just glitches and says I have already performed this action yet on the vault details page it says the approval is pending. It has been 4 days with numerous attempts with no real reply whatsoever. They initially sent me an email to verify my ID ; which I did ; but since then have heard absolutely nothing. I need access to my money and they are obstructing access to my personal property. This is absolutely unacceptable to withhold customers money without even contacting us with any situation report. I am beyond upset about this and something needs to be done about Coinbase. Apparently they were having this issue 3 years ago and still to this day have not fixed it. This is either extreme laziness and contempt for their customers or its criminal.
Product: Credit card or prepaid card

discover card company will not allow me to close my account. According to them, there is no way to verify me until 60 days has passed and I can not close the account until then. There is apparently some issue with verifying me by my phone information, and this is causing the credit account to stay open, which is affecting my credit score. I have tried to remedy the situation with Discover card, and they had no solutions to help me close my account in a timely manner, and in a way that would not lied to my credit score being affected. I also can not login to my account because of the issues that discover has verifying me, even though they have numerous ways of verification such as by my address or SSN, and I mentioned that I would be happy to provide any necessary documents such as birth certificate or Social Security card. They refused to verify me by any other means than by phone which by their own admission takes 60 days to be put into their system, and the result is that my credit score will be negatively affected because of the issues with their own system and having only one single way to verify people that sometimes has issues unrelated to the customer. The conversation took place over the phone at approximately XXXX on XX/XX/XXXX and I have records of the call.
Product: Debt collection

I was garnished by a collection agency in XXXX of XXXX. Upon further investigation by me I found out that this debt was lumped together so that the Court would not know that the outstanding debts were filed XXXX years previously under case no XXXX and that the debts were " Statute Barred '' under the Limitations Act of 1980. Some debts were from XXXX and had been dismissed. On XXXX, XXXX XXXX XXXX ruled that case would be dismissed for lack of prosecution on XX/XX/XXXX and that the case not be reinstated. I filed Kansas Open Records Request with XXXX XXXX XXXX and they had a very hard time explaining to me how the records and fines did not correlate with the records tha CBK filed with the Courts.
Product: Money transfer, virtual currency, or money service

Our XXXX XXXX has been wiring money to XXXX and XXXX XXXX since XX/XX/XXXX. This has been done through my account with XXXX XXXX. In the past year, XXXX XXXX began placing our transactions on hold until I answered many questions to prove I had a legitimate purpose for these transactions. This happened on three consecutive transactions, and then I was able to continue these transfers without interruption for several months. Now, suddenly, my transactions are being denied altogether, and I have been unsuccessful in even discussing the situation with someone at XXXX XXXX, let alone receiving any communication from them as to the reason. I was given an email address at XXXX XXXX to forward my complaint to, but it has now been two weeks since they confirmed receipt of my email and nothing has happened. 

I provided them with our IRS letter of determination and a description of what our ministry does. There are churches in XXXX that are dependent on our contributions for both living and worshipping. 

Please help us!
Product: Mortgage

I originally paid the upfront fee of {$500.00} on XXXX which locked in my rate of 3.0 % with lender credit to offset some closing costs. This would have had me getting cash back at closing. My appraisal was delayed as they could not get an appraiser to work with them and that was finally completed on XXXX, which would have been the last of conditions needed in order to close on this refinance- at which XXXX the loan officer had assured me the delays were not my fault and the lock would be kept in tact. The appraisal did come in lower than expected so there was a change in circumstance but I was not aware that anything on my locked rate had changed. No one had mentioned that they decided on their own to put me into a lesser rate of 2.75 % paying {$3600.00} in points for that rate which I was not aware or, nor agreed to. This is turn caused additional conditions of supplying bank statements, etc. As well, after repeatedly telling this company that they were collecting for taxes for my other property in escrow and upfront on this transaction, they still remain as items needing to be paid for at closing which makes absolutely no sense. I have been working with a XXXX XXXX and have even escalated to his manager XXXX XXXX, both of which appear to be incompetent and have no intentions on providing any type of good service and have stopped responding to my requests for resolve. My last message to XXXX on XXXX was that I would not continue to do business with this company and would like for them to refund my upfront fee because of their lack of urgency and not wanting to close this loan on their end. She has not responded to my email as of this date.
Product: Credit card

I have a Chase Safire Reserve Credit Card and in XX/XX/XXXX, I noticed a transaction posted to my account for a company named XXXX XXXX that was not conducted by myself. Therefore, I called Chase Fraud and they confirmed with me that this was the only fraudulent transaction. Subsequently, a merchant contacted me to tell me that there was a problem with one of my purchases so I called the bank and only to find out that the had mistakenly return all my purchased from XX/XX/XXXX to the day that I called in XXXX. I was on vacation during XXXXXXXX XXXX XXXX  so there were many transactions involved including an airline ticket purchase in EUROS that converted to {$6200.00} charged to my account on XX/XX/XXXX, which was for a business trip to XXXX XXXX on XX/XX/XXXX. Chase told me that they were fixing their mistake and got reassurance that the airline ticket would not be affected because the return was still in process. Therefore, I trusted the bank that everything was resolved. However, I was not able to board my flight from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After hours on the phone with the airline while at the airport, I had no choice but to purchase another ticket on the spot for the next day XX/XX/XXXX. The airline XXXX XXXX XXXX XXXX told me that they would refund me XXXX of the tickets once the bank returned back the funds to them that were taken back for fraud. On XX/XX/XXXX, the airline company refunded me one of the ticket purchase but due to the EUR/Dollar fluctuation, my account was only credited for {$5900.00}. So, due to the Chase error, I lost money on the currency conversion for the refund and at the same time, I incurred expenses to stay an additional day in XXXX. On XXXX  called Chase to complain and the supervisor was very understanding and assigned XXXX XXXX XXXX so that I could be compensated for the expenses around XXXX XXXX XXXX including the difference that I lost on the airline ticket refund due to the exchange. Since then, I have been following-up and kept getting the run around between the fraud department and customer service. In XXXX, I was told they they could not do anything because they had no access to the recording so I asked to escalate the case and it was escalated to the executive office. Finally, on XXXX I received a message from XXXX who investigated the case to tell me that they would not give me any type of compensation because the made the " proper adjustments '' and " coaching was sent to the agent ''. Well maybe the coaching should have been done before and that could have saved me lots of stress, additional expenses and a missed business meeting.. I called them back and a representative at the executive office did confirm that they saw the recording and it was confirm that it was their mistake but nothing could be done. This is totally an acceptable resolution.
Product: Credit card or prepaid card

To whom it may concern : I have a dispute with Wells Fargo that began on XX/XX/XXXX. 

I have two ( 2 ) Visa cards from Wells Fargo. One is a debit card associated with my personal checking account, the other is a credit card associated with my XXXX XXXX XXXX. 

On XX/XX/XXXX a company called XXXX initiated a charge-back of {$65.00} to my debit card, and charged an equal amount to my XXXX XXXX XXXX credit card. The person at XXXX who initiated the charge-back told me that if I had an urgent need for the funds, that Wells Fargo could expedite the charge-back process. Regrettably, Wells Fargo refused to provide this service. 

My complaint about this issue was escalated to XXXX XXXX at Wells Fargo Customer Care Executive Services. XXXX XXXX stated that she could not accommodate my request. I stated that my need for an expedited charge-back was due to a XXXX XXXX, and that that my request was for a reasonable accommodation under the Americans with Disabilities Act of 1990.  XXXX XXXX stated that Wells Fargo did not have an obligation to accommodate my XXXX. 

I asked XXXX XXXX to provide me with contact information for the regulatory agency that I could file a complaint against Wells Fargo with. It is my understanding that banks are required to provide this information to customers who ask for this information. Regrettably, XXXX XXXX refused to provide me with this information. I stated to XXXX XXXX that she was refusing to comply with Federal law by refusing to provide me with this information. XXXX XXXX replied that she was not refusing to do anything. I replied that XXXX XXXX was indeed engaging in an act of refusal. 

XXXX XXXX finally agreed to escalate this issue to Wells Fargo Case Management, and she stated that this department of Wells Fargo would contact me by telephone on XX/XX/XXXX. I stated to XXXX XXXX that I would not file complaints against Wells Fargo with the government before XXXX  on XX/XX/XXXX, and that Wells Fargo should be sure to get back to me before this time of day. 

At XXXX XXXX  I received a telephone call from XXXX XXXX of Wells Fargos Consumer Case Management Executive Office. XXXX XXXX spoke to me in an abusive tone of voice that escalated in intensity over the course of our unpleasant conversation. XXXX XXXX stated that Wells Fargo did not have an obligation to make accommodations for XXXX people. 

Thank you for any help you can provide with improving upon the unethical business practices of Wells Fargo. 

Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan account that I have a complaint about is University XXXX XXXX reporting to all 3 credit bureaus ( XXXX, XXXX  and Experian ). I have disputed this account more than 5 times because they have reported several errors to all 3 of my credit reports. During these disputes, I mailed letters out to the creditor telling them what my concerns are and why this account needs to be deleted from my credit report using my rights under the FCRA. I also mailed letters to all 3 of the credit bureaus. It always comes back " verified '' which tells me they never really looked into what I stated my concerns were but rather they just asked the creditor to validate the account. Several times I have seen that the creditor will make changes to my credit report like fixing the account number they had wrong on one of the credit bureaus or fixing the dates they reported incorrectly without actually deleting the account. This is a violation of the FCRA. 

other violations they have made include : 1. Reporting old debt as new or re-aged. 
2. Reporting account as active when it was closed or reporting closed accounts as active. 
3. Reporting late payments to Experian and XXXX, but on time payments to XXXX. 

It can get very stressful paying to have letters mailed certified mail several times and waiting almost 7 months in total to get the same results that your issue wasn't even looked into but just " verified ''. When I reached out the the creditor at the beginning of the year to try to pay this debt ( before I even started disputing the errors ), she was very rude to me and even threatened to take me to court. This frightened my for a while and I started to feel hopeless. I was very confused because I called her to try to clear the debt not tell her I wasn't going to pay. 

If you really look into my credit reports, you will see that that is the only negative account I have on there and I am tired of it being used against me. Please if you can help me get this item deleted it will be greatly appreciated and it will also be respecting my rights under the FCRA. This item was supposed to be deleted a longtime ago when they were reporting errors and decided to change it. Attached to this complaint are other documents of proof of the violations they have made currently on my credit report. 

More information : Right now it states on the reports that I owe {$2700.00}. This was a federal student loan that went into Default. The account numbers, dates, and late payments haven't consistently matched. They have changed some information but some errors are still left on the account. This student loan is in loan rehabilitation. I set up a payment plan with creditor and even linked my account only to find out that their system failed and I have to actually call to pay on a random date every month because they don't have automatic payments. Regardless, it is my rights that this account is deleted from my credit report.