23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

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 a account without my written instructions. 



Date XX/XX/2022 Balance {$870.00} Attempted to dispute account as it is unrecognizable, dispute processed and no changes were made to credit reports.
Product: Checking or savings account

I disputed about {$1900.00} with TRUIST Bank in XX/XX/XXXX or XXXX, XXXX. There was an issue with my XXXX and XXXX cancelled 2 reservations that were not made by me. I advised my bank about this as soon as I came back from XXXX. I also disputed additional charges were made in XXXX no by me. TRUIST bank declined to assist in any way. I spoke to 2 supervisors and they stated they would not help and the case was closed. Also, I opened a bank account with TRUIST bank in XX/XX/XXXX because there was a promo : Open a new eligible personal Truist checking account ( Truist Bright, Truist Fundamental, or Truist Dimension ). 
Use promo code : XXXX  @ XXXX Set up and completing at least two qualifying Direct Deposits totaling {$1000.00} or more within 90 days of account opening. 
I met all qualifications but the banker XXXX XXXX that opened my account in a XXXX branch opened the incorrect account. He later told me that he would fix this and then months later he said I was not eligible. I spoke to 2 supervisors regarding this promo issue as week and they said they would not help.
Product: Mortgage

Hello, I got behind with my mortgage payments after the COVID and losing my employment. I have been trying to work out a plan with Mr. Cooper and make my current monthly payments and catch up with the past due later. Not only, they are not trying to work with me, but also, their actions of dragging this for over a year makes it even harder to pay because the past due amount gets larger and larger. 

Mr. cooper is not truthful, while they are pretending that they are willing to work with me by asking me to apply for assistance, requesting documents over and over, however, they have an active foreclosure sell date for scheduled for XX/XX/year> ( attached ). My single point of contact, XXXX XXXX XXXX, which is very hard to reach assured me last week that while they were working with the sale date was on hold.

Just today, they requested more information ( attached ), however, when I called and asked them again if the sale was on hold since there was only eight days left, the representative told me that, " no, it is not on hold and the only way to stop it, is to bring the account current, paying the past due amount all in full '', which is impossible to do now. Isn't this a dual tracking at best and fraud at least?

Please help me to start paying my mortgage payments and stay in my home. 

Thanks XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting XXXX XXXX XXXX to my consumer report. Equifax is in violation of 15 usc 1681b. And Equifax is willfully in violation FCRA. Under 15 usc 1681b Permissible purposes of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Equifax any written consent to report anything on my consumer report, No consent is Identity Theft. I am distressed that Equifax is reporting without my written consent to my credit profile and Equifax has failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports that they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Equifax is abusing me by and hurting the ability for me to provide for my son. Equifax is impeding and impacted my my credit and is hindering me from progressing in my life. Equifax is damaging my life.
Product: Credit card

This is XXXX XXXX, in XXXX  i got a loan from ( XXXX XXXX XXXX XXXX XXXX ) for XXXX  purposes. Initial loan was for around {$3200.00} I have been making payments with the intention to paid off in XXXX year ; however due the economic downturns i could not paid off the total balance of the debt within XXXX year. 
So in XX/XX/2023, I received the Alphaeon Credit new statement showing an interest amount of {$900.00}. The debt increased so much for me to make payments.

I called Aphaeon credit office in XXXX, but they stated that they can not help me with the reduction of such high interest amount, I offered them to paid off the total balance if they removed the high interest amount, but they refused they said i can do something like filling some document for extreme hardship request. so please help me to reduce at least half of that annual interest charged on my account. I will appreciated your help on this. than
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I received email from Paypal that they are debiting ( charging ) my account because I received duplicate credit for following transaction Dispute Case ID XXXX Transaction Amount {$310.00} USD Dispute Amount {$310.00} USD Transaction ID XXXX Transaction Date XX/XX/XXXX Also for same reason Paypal Credit ( Synchrony Bank ) charged me {$300.00} on XX/XX/XXXX For last two weeks I have made several calls and sent several notifications to Paypal and Paupal credit about this issue and seems like no one is willing to help.
Product: Credit card or prepaid card

I am at a complete loss what to do with this guy ordered some services from a website called XXXX XXXX and I used my Wells Fargo card to pay for it nobodys disputing the fact that I did order it and I did pay for it the trouble is the company never sent anybody out And refuses to communicate with me and as far as I know they havent been able to prove anything other than the fact that I ordered the service which is true but that doesnt mean they showed up so I went to Wells Fargo and I asked for help I explained it in detail I was at my wits and I didnt know what else to do but I asked Wells Fargo for help unfortunately as nice as their representatives are they have sadly let me down every time I hang up when they said dont worry about anything were gon na take care of it youre not responsible for all of this if they didnt show up you dont have to pay I said OK they asked for one piece of information for me they want me to write a letter explaining the transactions that I was disputing and why sign date it put all the information on it at this point I have sent the letter in three separate occasions I am at a loss as to why they keep saying they havent received it I mean I sent mail to other people and everybody else seems to get it Wells Fargo is the only one that seems to not be receiving my mail I have called multiple times Ive tried to work with Wells Fargo I dont take it lightly filing a complaint here but clearly I need somebody higher up to look into the details and Im just not getting that when I call the XXXX number theyre super friendly and they try to be helpful and Im very grateful to all of them but I still owe the money for services I never received
Product: Money transfer, virtual currency, or money service

I submitted an international money transfer request on XX/XX/2020 to help my parent in XXXX for {$500.00} in USD through Remitly.com. It was promised to be delivered on XX/XX/2020 XXXX XXXX   PDT which is XX/XX/2020 XXXX XXXX  KST for the amount XXXX in XXXX. That day, I was contacted that it was stopped by their quality assurance team that it needs some additional information of my recipient. I understood that and waited. I continued to notify my parent that the bank would contact her for verification and I made sure that she was aware if somebody contact her for more bank information. A few days later, my parent still hasn't heard from anyone and I was contacted my Remitly team again that it the transaction was failed. And they need the same information ( recipient name, account number and the currency unit ) to resubmit the transaction or cancel it for refund. They requested me to call them or email them back. I first tried calling, but I could not connect to anyone possibly due to COVID-19. Even though in the e-mail, I need to reach them as soon as possible by phone or email. So instead of calling them, I emailed them back with the information they requested. The next day or two, I receive the same email saying they need the additional information. They apparently hasn't received my respond. I tried calling them again, no answer. So I email them back again with the same information. The next day, I get another same email requesting the same information for the third time. I respond back the same information for the third time and request them a refund and a cancellation since this has way passed the time they promised and my money is on the air. And I am having such hard time communicating with them, I can not get a hold of anyone on their team. I do not know where my money is at right now and I can not talk to anyone. It's very frustrating because I was trying to help my parent not being able to work due to COVID-19.
Product: Checking or savings account

I am unable to open account with any bank. Ive received communication saying that I've already had an bank account and owe an balance on the bank account when i indeed have not had this bank account. Ive tried also going into the bank without any resolution as well
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 cannot furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

There are a numerous amount of accounts, and inquiries on my reports that I never applied for or given any authorization to do so.
Product: Debt collection

I have send a dispute letter to XXXX and XXXX stating the information being reported is inaccurate. A collection account reported by CKS Financial, XXXX XXXX and XXXX XXXX is reporting a past due on my credit report. I sent 3 letters, On on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to both bureaus stating that a the date of last active on all three account were different, my collection account was reporting a past due balance, and CKS Finance is reporting twice on my credit file for the account. And my credit report still says the same thing.The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please look into this for me. thanks in advance.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$30000.00} Chargeoff XXXX XXXX  XXXX Opened : XX/XX/XXXX Balance Owed : {$19000.00} Chargeoff XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} Chargeoff XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$6300.00} Chargeoff XXXX  CARD XXXX Opened : XX/XX/XXXX Balance Owed : {$17000.00} Chargeoff XXXX XXXX  XXXX Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX CARD XXXX Opened : XX/XX/XXXX Balance Owed : {$5700.00} Chargeoff XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX************* Date Opened XXXX XX/XX/XXXX Balance Owed : {$10000.00} Inquiries XXXX FIN XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX  to apply for a credit increase on a current credit card as well as apply for an additional credit card. Knowing that a credit inquiry would be generated, I verified with the representative that because I wanted to do both items at the same time, I wanted to ensure there would only be a single inquiry. The representative agreed. My credit increase was granted and I was transferred to another representative for the new credit card application. I again explained the situation to the representative because I wanted to ensure that only a single credit inquiry would be performed - and since one had just been done that the same one would be used. The representative agreed that there would not be an additional inquiry. My credit application was approved.

Later, while checking my credit reports, I can see that two credit inquiries were performed. One on XX/XX/XXXX, one on XX/XX/XXXX. I have verified this with Equifax.

I began calling XXXX  and after speaking with many representatives and being told by each that this issue would be escalated to people who could resolve it, I received no resolution. I also called Equifax and was informed that only the company can resolve it.

After many more unsuccessful calls to XXXX, I was put in touch with XXXX XXXX  in the Executive Response Unit. She eventually reviewed the calls and agreed that this should not have happened and that one of the inquiries would be removed from my credit report.

I received a letter dated XX/XX/XXXX from XXXX XXXX  at XXXX indicating that the inquiry would be changed to a " non-display '' inquiry. This is not what we had discussed, even though the letter specifically indicates that it is, but I was willing to be flexible and patient to see if this was resolved. The letter advises to allow 30 days for resolution, which I was agreeable to.

After over 30 days of waiting, now getting closer to 60 days, my credit report still reflects the same two credit inquiries. I have verified this through XXXX XXXX ( Equifax ). I have been attempting to contact XXXX XXXX for two weeks now, leaving multiple messages, with no returned calls.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint personally to resolve issues regarding incorrect personal information and unauthorized inquiries on my credit record. The information in question is not mine, and I urgently request the removal of this fraudulent information.
Product: Credit reporting or other personal consumer reports

THESE ARE FRAUDULENT ACCOUNTS, MY INFORMATION HAS BREEN BREACHED BECAUSE IF THE XXXX DATA BREACH ALONG AS MILLIONS OF AMERICANS GETTING THERE IDENTITY STOLEN FROM XXXX AS WELL AS THE DARK WEB THESE ACCOUNTS ARE FROM FRAUD AND DO NOT BELONG TO ME XXXX XXXX XXXX XXXX
Product: Student loan

With the new BidenXXXX administration forgiveness plan ( after XXXX years of paying, loans start to be forgiven automatically ), I noticed the inception date on my loans indicated XXXX. I contacted Nelnet to inform them the date of inception was incorrect. The date they have on file is the date my loans were transferred TO XXXX ( Nelnet retained the loans when XXXX got out ) from XXXX, not the inception date. I received an email stating they would get back to me - nothing. I waited several weeks & after not hearing from Nelnet, I contacted them again on XX/XX/XXXX via email, providing proof from my credit reports showing XXXX had " closed '' the files and the inception date of the loans ( date opened XX/XX/XXXX ) and original loan amounts with XXXX, explaining the documents showed both the original inception date ( going back to XXXX ) and the original loan amounts... still received no reply. I gave it a couple more weeks and uploaded the same documents of XXXX closing the file and the inception dates of the loans and original loan amounts to my Nelnet account, with no reply still to date. 

I graduated in XXXX student loans. XXXX XXXX was the original lender. My loans were then transferred to XXXX who maintained them until XXXX in which they were transferred to XXXX. XXXX then transferred the loans to Nelnet. Prior to XXXX transferring the loans, XXXX told me I had 44 payments left. Nelnet disputed that amount, doubling the minimum payments to 64 payments, even back tracking saying my payments were based on the repayment option chosen so no time frame for payoff could be given. The credit report records show loans opened with Navient date back to XX/XX/XXXX ( these were provided to Nelnet ). The discretion of the inception date is causing me to pay extra on the loans and cause me to miss out on forgiveness.
Product: Money transfer, virtual currency, or money service

I am a victim of identity theft. Someone opened a fraudulent account with Western Union using my name and identity. I have never applied for or had any account with Western Union. I am not able to open an account with Western Union because of fraudulent accounts with Western Union.
Product: Credit reporting or other personal consumer reports

You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen ; I have filed 2 police reports with my local police department and the FTC 3 times. I have a picture of a woman with a different race using a drivers license with my information from when my taxes were filed ; and I have an open insurance claim with XXXX for the theft. 

Experian took it upon themselves to add back a XXXX XXXX account that had been previously blocked and then when I called them they said that they were going to dispute it with the creditor ; which is a violation of my Federal rights.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report via XXXX, I noticed credit inquires that I did not authorize, Made by the following companies : XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX. CAPITAL ONE on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 
XXXX Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX Incorrect Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Address : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Experian Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - EXPERIAN XXXX XXXX - XXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX  XXXX Incorrect Name : - XXXX XXXX Incorrect Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX XXXXXXXX XXXX Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX Incorrect Name : - XXXX, XXXX Incorrect Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Acct # XXXX, XXXX, XXXX XXXX XXXX XXXX : ending in XXXX XXXX : ending XXXX XXXX XXXX XXXX ENDING IN XXXX In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under USC 15 USC 1681 1 ). 602 ( A ). XXXX XXXX findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) State I have the right to privacy, accurate and fair reporting.

2 ). 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. A consumer reporting agency can not furnish my account without my written permission Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. 
XXXX ) .15 USCc ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

4 ) 15 USC 1681 S-2 ( a ) ( 1 ). A person shall not furnish any information to any consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate. 

My name is XXXX XXXX all other names must be deleted from my report. Only one address should appear on my report and that is XXXX XXXX XXXX XXXX Florida
Product: Credit reporting or other personal consumer reports

Called the consumer credit line and requested the review and removal unauthorized inquiries made by these companies XXXXXXXX XXXX XXXX concord credit ) inquiry : XXXX. XXXXXXXX XXXX  unauthorized inquiry Republic Bank/XXXX inquiry : XX/XX/2024 did not contact this company no number found on credit report only address XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX US Bank made an unauthorized inquiry on XXXX XXXX called this company and the automated service advised to call the credit bureaus for dispute  XXXX XXXX Location XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX inquiry Requested On XX/XX/2024
Product: Credit card or prepaid card

I am dealing with a data hack from XX/XX/2018. In that process there were fraudulent charges made through my XXXX account via my Chase credit Card. This was initially resolved however Chase has re-charged me multiple times on the previous fraudulent transactions, twice for {$97.00}, one for {$50.00}, one for {$9.00}, one for {$9.00}. Screenshots attached. 

Chase Bank has been resistant to reviewing and resolving this over the last few weeks. Need this addressed.