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

To whom it may concern, As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I went on credit karma on XX/XX/22 and was told that if I applied for more credit it would be helpful to increase my credit score. Credit Karma is a free website to view your credit score and suggestion site to increase your score and monitor it. I looked at the the cards they suggested and the credit card, XXXX, was a card that had OUTSTANDING APPROVAL ODDS for me to apply for. Well, I was denied. Which had my credit score instantly drop XXXX points and XXXX points to each reporting agency that they give you information for. I am in the process of trying to sell my house and apply for a mortgage to build a home. But now with this hard inquiry on my credit report, which again I had OUTSTANDING APPROVAL ODDS for, I can not due any of this. My score dropped to XXXX and XXXX. I don't know what to do now. Yes, I applied but I would have not applied if I did not have such high approval odds. Can you help me? You can reach me at XXXX or email XXXX. This is a terrible situation to put to a consumer who is trying to rebuild their credit. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

AS A RESULT FROM IDENITY THEFT FROM XXXX XXXX. XXXX XXXX XXXXXXXX IS REPORTING 3 ACCOUNTS ACCROSS ALL THEREE CREDIT BUREAS. I SENT THEM THE FRAUD AFFIDAVIT. ON THE LATEST UPDATE THEY REPORTED ON THESE ACCOUNTS ACCROSS ALL THREE CREDIT REPORTS THAT MY LAST PAYMENT WAS ON XX/XX/2024. I NEVER MADE A PAYMENT ON THESE ACCOUNTS NOT MINES. WHICH THEY ARE DOING ON PURPOSE TO LOWER MY CREDIT SCORES. I HAVE NEVER PAID ON THESE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

On XX/XX/XXXX ( TransUnion and XXXX ) and XXXX ( XXXX ) I temporarily " lifted '' or " thawed '' my credit freezes. The freeze was to go into effect just for today, XX/XX/XXXX so I could apply for a new cable/internet service. I received notifications this had been done. When my credit was pulled by XXXX XXXX today, I was informed my credit was frozen and had to cancel my sign-up. I went online and verified that all the accounts had temporary lifts of the freeze. 
I suspect, but can not verify, that XXXX was the problem. This is because it took me hours to remove the freeze with them and minutes with XXXX and XXXX. I recognize it could be the others or even XXXX that has the issue.
Product: Checking or savings account

Per my previous complaint, Ally is well aware XXXX is committing fraud ( as I informed XXXX ) but I guess they are above reproaach. I return the item, they agree I did but won't return my money because " their system doesn't let them '' Again, that's fraud. They don't care. Ally is aware but refuses to refund my money. See my previous complain for all documentation
Product: Debt collection

15 usc 1681a2 stating I didn't give written permission to have this account furnished on your report.
Product: Credit card

Target corp has acted in an unfair, hostile and predatory fashion : Post divorce I agreed to make payments on our joint Target account. My ex then closed it. I entered into a payment arrangement allowing Target to withdraw $ 100 monthly from my account ( they insisted they had to withdraw-I could not be in charge of sending it ). Last summer, while unemployed, I called and requested a forebearance, but they refused. A few months later they stopped taking my payments, which I did n't even notice. after about 90 days their collection folks contacted me. I told them they were mistaken-as we had an arrangement. I was then told that they had inexplicably stopped taking payments-and needed me to reauthorize them. I agreed to contact my bank and begin SENDING monthly payments-rather than giving the the opportunity to drop the ball yet again. I did, and payments have been made evry month-however Target continues to report me late-which almost caused job issues when I became re-employed, and which PREVENTED me from purchasing my vehicle at lease end-as-according to the finance manager-the only new negative since my lease began was Target-they had dropped my score more than XXXX points! As well-I was able to secure a new lease based on my perfect lease payment history-but due to the score impact my payment went up nearly $ XXXX. When I have contacted Target-they have unsympathetically basically told me to pound sand. The only reason I keep paying them rather than letting their account go is because is because I feel it 's the right thing-but I am tempted to default-since they trashed my credit anyway-due to THEIR ERROR-nothing that I did. I want them to retract any negative late pay reporting-since they caused/instigated it ....
Product: Checking or savings account

On XX/XX/22, I went to the Chase Bank located at XXXX Main XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX. To deposit and get cashback from my work check. The total amount for my check was {$1600.00}. I told the teller that from my check I wanted to deposit {$860.00} to my checking account and {$790.00} cashback. The teller made a mistake and he did the transaction backwards. He thought I wanted {$860.00} in cash and {$790.00} as deposit in my checking account. When he notice his mistake, he changed it and he told me that he was going to do all over again. The teller did give me {$790.00} in cash and I pressed the green button that {$860.00} were deposited on my checkings account. 
On XX/XX/22, my husband noticed that the bank did not deposit to my checkings account my {$860.00} but the bank took that amount from my account. That day we drove to the bank and I spoke to a floor person named XXXX and he went to talk to his supervisor XXXX XXXX who told him that it was the bank error and the {$860.00} were going to be deposit to my account in the following days. 
On XX/XX/22, my husband noticed that the bank instead to deposit the {$860.00}, Chase took an extra {$790.00} making a total of {$1600.00} that the bank now owe us. I requested time-off from my work to go to the branch again and I talked to the same floor person XXXX and his supervisor and they told me exactly the same thing, they will check and they call me ; however, they never did. 
On XX/XX/22, we noticed that Chase deposit {$790.00} into our account but they took {$860.00}, making a total of XXXX that now Chase owe us.Once again I came to the branch and nothing was resolve. 
On XX/XX/22, we received a notification that our account was overdraft as Chase took extra {$790.00} from my checking account and left it empty with overdraft charges and taking extra more money. The total as now is {$2500.00}. My husband and I went to the branch as early as the branch opened and talked directly with the manager XXXX XXXX who with an attitude told us that she checked our account yesterday and they are still working on it. The manager said that she was going to keep working on my account so we told her we are not leaving until we get our money back today. The manager went to the back of the branch and we were waiting for over an hour until she sent someone to tell us that it was going to take longer and we can leave and she will call us. At this point nothing has been resolve. I am late with my payments which the {$860.00} were going to cover those bills, I am overdraft in my account, I have XXXX dollars in my account, my husband and I had to request time-off from work again to go in person to talk to the manager branch, waste gas money, time, stress and the bank is not helping but all the contrary.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ONLINE Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter is regarding account # unkown, which you claim i owe XXXX This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I currently bank with USAA and have a credit card with them. Without notification or request for authorization, in the min amount due section of the website, stopped letting me know what my min amount is due to avoid interest charges. I usually make extra payments anyway but stopped once I saw {$0.00} in the min amount due, gave me the impression to only make regular payments. I started seeing interest charges of $ 40-60 even though my balance was XXXX. I brought it up to the company XX/XX/XXXX of 2017 and was told my account will be fixed. Today I see interest charges again of {$48.00}, after addressing it with the rep, was told that the feature ca n't be removed and that I could find the min amount due in my statement that 's mailed each month. So basically the min amount due is n't listed in the min amount due section of my account, this is a trick to get users thinking they do n't have a min amount due so they can charge them interest. I have documentation of today 's discussion with the rep if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING
Product: Mortgage

Wells Fargo failed to produce the XX/XX/XXXX DENIAL LETTER for a re-finance application. 

On XX/XX/XXXX, Wells Fargo mailed me an incomplete submittal of information that explained how they dealt with an improper HOA lien filed against my property yet failed to inform as to why my application was denied. Resolution on account number : XXXX, VA home loan. 

Today, XX/XX/XXXX, the Wells Fargo loan servicing department admitted this submittal did not contain the denial letter yet continued to declare it was " lost '' and was no where to be found. It can not be retrieved and WF is unwilling to replicate this denial letter. 

Former Wells Fargo loan officer that handled this transaction was XXXX XXXX, Vice President I Loan Officer NMLS # XXXX Office ( XXXX ) XXXX Cell ( XXXX ) XXXX | F : ( XXXX ) XXXX | XXXX XXXX I authorized communications for my attorney to be included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Ph : XXXX Fax : XXXX Email : XXXX Web : XXXX Disclaimer This e-mail is intended to constitute an electronic communication within the meaning of the Electronic Communications Act, 18 U.S.C. 2510. This communication may contain confidential, proprietary, or legally privileged information and is transmitted for the sole viewing and use of the intended recipient. Any review or distribution to other recipients is not permitted and does not waive the confidential or privileged nature of the communication. If you receive this message in error, please immediately delete it and notify the sender.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I initiated an online wire transfer from XXXX to a Chase account holder for the amount of {$16000.00}. This was after a successful initial transfer a month prior. 

The intended beneficiary contacted me 2 days later concerned that the funds hadnt been deposited. After careful review, I accidentally missed a digit in the entering the account number. I immediately filed an amendment with XXXX and corrected the account beneficiary details. After a week of no progress, I reached out and the message from Chase was they requested additional account info on the intended beneficiary. After clarifying details on the current amendment case, another week of radio silence goes by. 

The next interbank communication announced that Chase acknowledged all the amendment information but confirmed a MISMATCH in their books. ( I have email confirmation from the intended beneficiary ) To add, they have already DEPOSITED the funds to an unintended account beneficiary per initial transfer ( Matching account number but mismatching names, etc ) and by process have conducted a debit authorization by mail to the unintended recipient. This is the current standstill situation with no further communication or progress. I reached out to Chase directly and even visited a branch but encountered pushbacks stating their branches have no ties to their wire transfer departments. I am looking to consult legal counsel if this extends beyond XXXX as my intended recipient is furiously agitated.
Product: Bank account or service

I do n't remember how it started other than a young fella wanted me to put " extra [ rptect extra protection '' on my account. I agreed. I always followed by account online. I used by checks and debit normally. I had automatic deposit. Just after my check was deposited I would get a letter stating I had about {$150.00} in ov overdraft charges. I should not have been overdrawn. This went on for about three pay periods and then I went in and spoke to the manager. But before forward, when I checked my account online it was " fuzzy ''. It shimmered a and it made no sense. It was very confusing and there was no way anyone could track spending. So I talk to the manager and in conclusion I was told I didn did n't know how to use a checking account. ( I am currently XXXX ). Of course, I was was insulted. This went on a few more weeks, six to be exact, as I tried to get away from them. This entire 6 weeks, Wells Fargo was taking all my money. I literally had no money to spend on food and gas or anything else. I fin finally got paperwork completed at a new bank. But I had to give {$450.00} more to to wells Fargo before they would close my account. so for about 4 pay periods I had the overdrafts and then they switched to just taking my entire pay check for three pay periods but then I had to close my account with a balloon payment of {$450.00}. I do n't remember what my years were that I was was there. I also do n't remember what my pay checks were either. If one could find me in their data base. We could then verify income with my tax return. I figure they owe me about {$2400.00}
Product: Mortgage

I finalized my divorce in XX/XX/2019 and moved back into my home this was when I found that my ex-wife was behind on payments. I didn't know what to do. When I talked with the lender they told me I couldn't make a payment until the penalties were paid first. I struggled with the lender for months until I was contacted by XXXX XXXX that helps people like me deal with the lender. She got the lender to postpone auction in XX/XX/2019 she stopped we began to work with my lender to get a loan modification. I had also at the same time started a new job that pays well. I knew I could finally start making my house payments after I had began working. The lender was not being very compliant with us as XXXX fought hard to get them all my information they needed. At that point XXXX did all she could and I took over. Finally I thought all was going forward with the modification and the lender kept pushing the auction date out until now. They are claiming they still need documents which I was never contacted about. I am asking for them to postpone the auction date and they are not responding in a timely manner. XXXX is again helping me. This is complete misconduct of the mortgage practice. They have not been back in contact to me after I thought I would be getting my new payment plan and never did. I did everything they asked and acted in good faith and they set me up to fail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. I already filed all the paperwork with the credit bureaus, as well as the creditors. I included my identification, my ID theft report from law enforcement and a letter describing the crime. My information was exposed in the XXXX data breach and I believe this is how they got my data. I have submitted this information several times but there are several accounts that are still reporting inaccurately on my reports. especially Experian. They have sent me back a bunch of bogus letters stating that I didn't send my IDs ( I did ) or that I didn't write the letters myself ( I did ). They are playing around with me and they have violated my rights.