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

There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CRESCO CAPITAL Inquiry Date XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. 
I am writing in connection with a late payment reflected on my Apple Credit Card account on XX/XX/2022. 
Note please, that as a responsible customer I have always done my best to meet the deadlines and respect the financial obligations that I have. Taking the above mentioned into consideration, I do inform you that the payment of my Apple card dated XX/XX/, is no exception. Please be informed that the payment was made via phone, yet due to badly suffering from XXXX, I was unable even to collect the phone at my hands and check whether the confirmation number was received, and non receiving of the number resulted in a late payment reflected on my credit bureau reports and affecting my XXXX XXXX. 
I tried to contact XXXX, explain the situation and resolve the issue with them, but unfortunately I didnt get any assistance or understanding there. 
I kindly ask you to give me a second chance and make a goodwill adjustment to remove the late payment. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debths. 
Looking forward to your prompt answer.
Product: Checking or savings account

My account is restricted because it was compromised and I have send them all the information that they asked me for. And now I cant get any answers from them when they are going to unrestricted my account since I have money in they will not let me get my money out if I need to use it.I have called them and they say they have no update on my account I have to wait until they back office get thorough investigation my account that all the information they have XXXX will not let me use my money in my account
Product: Checking or savings account

Hi, Hope your doing good I tried to register a business account with Wise as i have a registered company in United States along with verified XXXX. 
Wise for some unknown reason deactivated the account. When we tried to call them they said nothing about what causing the issue. I would need a business account with Wise to get paid from my clients. 
I also tried sending an appeal but couldn't do that because at that time Wise had already closed th account. 

I will definitely provide the necessary details in order to resolve this issue. Thanks
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a travel purchase in the amount of {$550.00}. Due to issues with the room, the manager at the hotel ( XXXX in XXXX XXXX ) reversed the charges and processed a refund for the total amount of the stay. *Please refer to email conversation attached. 

I called Capital One to see if they received the refund on their end and when I should expect the charges to be refunded to my account. The CSR I spoke with stated I needed to wait 2 billing cycles. This seemed abnormal to me. 

I logged into my Capital One account XX/XX/XXXX and noticed there was an additional charge in the amount of {$420.00} - I did not make this charge. I called Capital One to file a dispute on this charge. I was provided with Trip ID # XXXX and was told I would receive a call on Monday XX/XX/XXXX. No call was placed to me. I then placed an additional call to Capital One on Tuesday XX/XX/XXXX, where the new CSR I spoke with stated a dispute was never filed on my behalf. I asked to speak to a manager, which I was never transferred too. Instead I was transferred to the loyalty department, then to the travel department. 

I also sent an email to XXXX on XX/XX/XXXX, asking for manager assistance and explained that I had fraud on my account. No reply was given to me. 2nd email was placed on XX/XX/XXXX. 

4th attempt at settling this dispute was made on XX/XX/XXXX. I spoke with a rep, gave the trip ID number, but she stated that she could not see any travel made under my account. 45 minutes later, I am still on hold and this fraud is still unsettled.

*Documents attached are emails from manager at the hotel re : charge XXXX that is supposed to be reimbursed back to me. 
*Account statements w/ charges *Email proof to Capital One *Proof no travel was made under my account.
Product: Vehicle loan or lease

I applied for an auto loan and they did not approve the amount I needed and never disclosed higher interest rates with me. 

I decided not to take the loan with Wells Fargo.
Product: Mortgage

On XX/XX/24 I was charged a {$25.00} Rush Mailing Fee. I did not sign anything stating I would be liable for such fee. Additionally, for the month of XXXX they also lied to the credit bureaus and stated I was late when I was not. This company has a history of charging hidden fees to their Clients and reporting late payments fraudulently proof on XXXX. 
Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions.
Product: Credit card

Someone must of opened a credit card in my account and used my information to buy items. Now I have a credit debt of XXXX
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 : TransUnion 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, the companies below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX has violated my rights : XXXX XXXX XXXX ( XXXX ) have violated my rights by reporting inaccurate and inconsistent information that I have not authorized by verbal or written consent. 

15 U.S.C. 1681 section 602a - states I have a right to privacy. 

15 USC section 604 -states a consumer reporting agency can not furnish an account without my permission. 
15 USC 1681c ( a ) ( 5 ) - states no consumer reporting agency may make any report containing any of the following information ; any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15USC 1681 S-2 ( A ) ( 1 ) states a person may not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

The following items need to be removed and blocked as they are fraudulent.

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


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


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


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


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


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


7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a XXXX transfer from my Wells Fargo account for goods and services to another XXXX member using their provided email address. Because I was using XXXX directly from my Wells Fargo app I assumed they would provide some sort of buyer protection for members using the service to complete legal and normal purchases and transactions. 
Wells Fargo includes the XXXX service directly from their website and app but is unwilling to reimburse banking members for money lost due to scams or unrecoverable goods.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, They are hurting my ability to obtain credit.
Product: Checking or savings account

This is a complaint about Bank of America. More than 5 years ago I had opened a money market savings account and was told to maintain the account I had to have {$2500.00} in my account monthly and/or have transactions in and out the account. I have maintained the account with a constant minimum balance of {$2500.00} up till XX/XX/2018. I made sure on XX/XX/2018 I headed to the bank to bank in {$2500.00} in cash so that my monthly closing balance did not fall below its requirements. On XX/XX/2018 I had a {$8.00} dollar monthly maintenance fee that was charged by the bank and after several phone calls speaking to customer service they said my account is now known as the Rewards Savings account and I had to maintain a daily balance of {$500.00} instead of {$2500.00}. I was definitely not informed about this change and new requirements - as I would not have done the withdrawal as how I had done on XX/XX/XXXX so I can avoid the fees that were to be charged. Bank of America definitely did not inform me in any way and all they said was it could have been on the statement and no such email informing me of such which I find it ultimately deceiving. They also refused to refund me the charge although it is my first time making such mistake. A mistake that I myself was not aware I was making. I have had banks like XXXX or XXXX whereby I made a mistaking if overdrawing to pay for my bills and quickly rectifying it with a deposit into my bank account and they will reverse the charge / penalty for such. Im really disappointed that Bank of America would not even do so for my as it is my first time such an instance had happened and I was not properly informed of the change of my bank account and its requirements.
Product: Debt collection

This company keeps contacting me, attempting to collect a fradulent debt. I have attempted to peacefully contact the company 4 times, in an attempt to get them to put me on their do not call list. I am on the national do not call registry, and despite this, they have contacted a total of 31 times. The company that they are claiming to be is Spring Oaks Capital LLC.
Product: Debt collection

The alleged debt is well over 12 years old or more. We believe the debt was discharged in a bankruptcy but if not, was most definitely written off at least that long ago. We had not heard from XXXX : XXXX XXXX or the alleged current creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX for over 11 years and suddenly in XX/XX/XXXX we got a notice from a collection company about the alleged debt seeking a settlement offer. At the bottom of this notice it said " because of the age of your debt you can not be sued for it and it can not be reported to credit reporting agency. '' When we talked to a paralegal friend we were told that if we submit any kind of response whatsoever, it will permit them to reinstate the claim on our credit record and have another 6 years to try to collect it. Therefore, we did not respond despite getting a new notice every few months. In XX/XX/XXXX we got a notice from a new collection company for the same alleged debt seeking to collect this alleged debt. On their statement was included the same information stating that due to the age of our debt we can not be sued and it can not be reported against us. And that making a partial payment will allow them to report back to our credit and reopen the account. Again we did not respond. Now today, XX/XX/XXXX we got a letter from yet another collection agency on this alleged debt threatening to sue and accusing of being is severe default on the account. No where on this new letter does it say we can not be sued due to the age of this debt. We have reason to believe that XXXX XXXX XXXX has reported this against our credit now and has illegally invoked collection practices on an account that was written off or filed in a bankruptcy over 12 years ago. The law states if we submit a claim denying we owe the account or anything that will cause the collection company to have to verify the company can then start the 6 years over and sue us for the debt. So we do not know how to resolve this without having this debt reinstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amex card has not updated my balance which is XXXX $ with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following a recent review of my credit report at the Equifax, XXXX and XXXX consumer reporting agencies, I learned that XXXX XXXX XXXX was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XXXX, I deserve more.
Product: Credit reporting or other personal consumer reports

There are mistakes on my credit report regarding 15 USC 16c-2. I didnt authorize the hard inquiries listed, which are affecting my score. Kindly remove them. Thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

This creditor has reported delinquencies on my credit that are in correct and causing harm to my credit ability. On the occasions ( which amount to XXXX ) that I credited the account in its grace period, I was assured by the company representative that it would not go against me and not be reported in my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with XXXX regarding the inaccuracies that they are reporting amongst the 3 bureaus, yet they continue to respond that the information is accurate and verified. The following inaccuracies are reflected : *The date opened differs among the bureaus *XXXX is stating account type as factoring on Experian, open on XXXX and Collection type on XXXX ( all inaccurate and pecuniary ) *The payment history varies among the 3 bureaus ( Experian codes failed to pay and starts payment history in XX/XX/XXXX even though they denote the account as being opened in XX/XX/XXXX ; XXXX reflects payment history from XXXX and all ok even though they denote the account as being opened in XX/XX/XXXX??? XXXX  reflects no payment history *Midland reflects on Experian terms of 1 month, yet I never entered into any type of agreement or contract with them Lastly, in my most recent communication with XXXX ( see attached ), I requested an agreement that states their authority to collect on this alleged debt, an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, as well as complete accounting of alleged debt. XXXX did not oblige. XXXX merely sent a statement that did not reflect any comprehensive accounting. 

XXXX did not provide any credit card agreements that would further substantiate their allegation. These inaccuracies reflected among the bureaus as well as the fact that XXXX did not provide any credit card agreements warrant this entry to be removed from my credit reports.
Product: Credit card or prepaid card

XXXX via Elan has intentionally given conflicting information that has caused me significant damage to my planning and then paying my bill. The company is not giving consistent information. One rep tells me one thing, then I call back and the other tells me another thing. I pivot my payment strategy one way then have to whiplash back in another direction to make sure I pay the bills correctly. This conflicting information has caused me to miss due dates, causing my rate to skyrocket to predatory XXXX. Reps are paid to confuse the customer, subjecting them to paralysis due conflicting information that creates late fees and overlimit fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I have reached out to the FTC and local police. Im also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Inquires : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I spoke with XXXX XXXX and advised them that I lost my job due to COVID-19 and they placed me on a hardship payment and advised as long as I made the payments I would be reported as being current
Product: Vehicle loan or lease

Sent in copy of carmax reporting thats resulting in an inaccurate report on my credit report. Carmax acknowledge the error but still wont remove the negative reporting. and also n accordance with the Fair Credit Reporting act 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 furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX ; Experian ; XXXX ; and XXXX ; These are unfair entries on my credit report. I have been trying to get to the bottom of this account. I got into a car accident in XXXX on my XXXX, and the car was totaled my insurance told me not to worry about it and don't make a payment. I have proof that I still made the payments and your company refunded me over $ XXXX but yet told me that I was late during the month of XXXX and XX/XX/2023. How is that even possible? I believe this negative entry on my credit report is inaccurate because I have a record that my insurance company sent you {$42000.00} and i made a payment of {$3700.00} and other automatic payments of {$1200.00}... This monthly payment always comes out of my account religiously every month non-stop. How can you say that I missed a payment in XXXX and XXXX?
Product: Checking or savings account

I still have not received a check as promised for the amount in my account when US bank closed the account in XXXX. ( {$3000.00} plus interest ). On XX/XX/XXXX, I sent them requested info to ( again ) verify the account. The reply email stated that they would rescind within 24 hours. They never responded. I am reading online of many other people in a similar situation. This is THEFT of money and nothing is being done about it. US Bank needs to be FINED and returned all money it has STOLEN from its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act PORTFOLIO RECOV ASSOC 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 furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

was trying to rent a house in XXXX XXXX ga, the so called owner told us to download the XXXX App to our phones and register then we could self tour the house afterwards we did a rental application with a {$75.00} fee and then we were asked to put a deposit on the house of {$770.00}. the next day the actual rental company called and asked if we liked the house and wanted to rent it. we told them we already did and that is when she informed us we were scammed. totaling {$850.00} unfortunately we sent our money through XXXX with our bank which is instant transfer. which we may no get it back. 

The guys name was XXXX XXXX, email ; XXXX, phone number : XXXX Contacted our bank, XXXX, Federal Trade Comm.
Product: Payday loan, title loan, or personal loan

Discover personal loan They send me offers then didnt give me the loan base on old information on my credit report Plus XXXX personal loans They offering and make you apply then said Oh we sorry we couldnt approve at this time Like its wrong every one deserves a chance
Product: Credit reporting or other personal consumer reports

dear Credit Bureau : CFOXXXX XXXX XXXX is the Chief Financial Officer at the Experian i, XXXX XXXX XXXX XXXX living XXXX are victim of identity theft and fraudulent activity. i, have tried to deal with different Corporations concerning private property held in XXXX. i, have no contract with those Corporations. per the Uniform Commercial Code, ( UCC ), many notifications, and no rebuttals in affidavit under penalty of perjury caused the default judgments put upon them. i need all credit scores recorded by Your Agency of the ALL CAPS NAMES ABOVE to be corrected and the record cleared. i discovered the identity theft put upon the copy-written from birth. ( see non-UCC-1 and TRADE NAME ) I had no way of signing my name on any contract or agreement. this is perpetual Fraud an Identity Theft. i, XXXX XXXX XXXX, entitled owner and Power-Of-Attorney-In-Fact have claimed the above ALL-CAPITAL-LETTER-NAMES, and SSNs created by the State Registrar. the XXXX, OR LEGAL FICTION created under the CESTUI QUE VIE ACT IN 1666 and UNAM SANCTUM is now held in Trust.
Product: Credit reporting or other personal consumer reports

Payments that were marked late by XXXX XXXX XXXX XXXX XXXX company for the following dates ( s ) : XX/XX/year>