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

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXXXXXX XXXX Balance {$0.00} Open Date XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX  Balance {$3000.00} Open Date XX/XX/XXXX XXXX XXXX {$1200.00} Open Date XX/XX/XXXX XXXX XXXX {$990.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$410.00} Open Date XX/XX/XXXX inquiries XXXX XXXX XXXXate XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXXate XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXe XX/XX/XXXXXXXX XXXX Date XXXX XXXX XXXX XXXX
Product: Bank account or service

I had XXXX checks deposited into my bank account on XX/XX/XXXX This deposit was not placed on hold i did not receive a hold notice of anytime. the checks that were deposited were sent from a company to be deposited into another bank of america account. which i did once the funds cleared on XX/XX/XXXX later after i check my bank account and XXXX of the checks were placed on hold. i called bank of america and they told me that i was going to receive mail advising me of that hold. to my understanding when any item is placed on hold i am suppose to receive a hold notice and i did not receive XXXX. the representative said there is nothing he could do and there was a hold. The representative seemed to not care much and told me id have to come up with the funds to pay the bank back. I am a victim of fraud at this moment because i was advised to deposit those checks take the money out and deposit into another bank of america account. XXXX in your system will show exactly what account it is in and i feel like you guys could do way more to help me with these scammers. Not only that I was never told about this hold i received a copy of the deposit receipt and on there it does not show a hold. From what i know i am supposed to be advised about any hold and i was not this would of avoided the other transaction.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a closed account that appears on my credit report with an updated account balance. In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 USC 1681, Section 602, which states that I have a right to privacy.

Additionally, under 15 USC 1681b ( 604 ) ( a ) ( 2 ), a consumer reporting agency can not furnish my account information without my written consent. This account is closed and still reporting on my consumer report with out my consent, and needs to be removed immediately.
Product: Mortgage

Wells Fargo erroneously took out payment out of my account. They claimed that I authorized it. They would not let me listen to the tape. In the interim, they were supposed to credit my account the payment while an investigation was underway. They did not. I spoke to XXXX from Executive Customer Service who said there was a back end delay and I would have to " do what I needed to do ''. I contacted my XXXX my bank who notified me that they could easily reverse the transaction and give me credit pending the investigation of the issue. Four days later, Wells Fargo credited me the same funds. XXXX from Wells Fargo said that it would simply be reversed and in a matter of 3-4 business days it would be resolved. They extended my case, withheld credit reporting in order to help with this situation. Upon resolution, I was issued a resolution that that there was error on wells fargo 's part but was issued a check for {$450.00} as an " sorry for the inconvenience. '' The money never came out of my account. 

I called and set up a case in Mid XXXX to investigate this situation with the payment that was supposed to come out of my account.I received a phone call in late XXXX that they were still investigating and they would need to extend my case out to XX/XX/XXXX. I never heard back. In the interim, I am receiving foreclosure notices left and right. 

The resolution of this last case was that there was no payment reversal supposed to be made. Once again, Wells Fargo is falsifying the truth and I as the consumer have no choice but to just agree with their erroneous resolution. Meanwhile, my mortgage is still past due and Wells Fargo 's executive team has not done its job. 

I am being discriminated against because of my race and my husband 's veteran status. They have made it very difficult for us to resolve this issue. Aside from incompetence, I have advised Wells Fargo it seems that they are making this abnormally difficult for us to resolve and I feel that they are trying to take my home from me
Product: Vehicle loan or lease

I purchased a XXXX fit at bud email XXXX in XXXX pa on XX/XX/2018. I have a credit score of XXXX. I financed {$9100.00}. I was told that I qualified for a loan with an interest rate of 5.69 %. The business manager ( XXXX ) completed my loan paperwork using my incorrect address. He said that since he had to complete the loan paperwork again, he would increase the amount financed to {$10000.00} because I would be eligible for a lower interest rate if I financed {$10000.00} or more. He completed the lian paperwork and it didn't have any modifications to the original financing amount. I asked him why he didn't adjust the loan so I would qualify for a lower interest rate? He stated that it was only reduced by .25 %, which he stated didn't make much difference. I believe that with my credit score, I would easily qualify for a much better rate. Now, two weeks later, I contacted Huntington Bank to pay off the two week old loan and was told that i owe {$160.00} interest, so my pay off increased to {$9300.00}!!! How can the bank require me to pay {$160.00} for 12 days of financing? I am a female who is being discriminated!
Product: Vehicle loan or lease

On XX/XX/2022 XXXX XXXX XXXX and XXXX XXXX signed a contract. We did read the contract everything seemed to be okay. We're weren't able to ask the finance XXXX to many questions. However I have became aware that I am a federally protected consumer under 15 usc 1601 ( TILA ). So furthermore the new knowledge I have applied when reading over my contract I have seen some inconspicuous things. Starting with 15 USC- finance charge the consumer credit contract gives a definition I wasn't fully aware of what the finance charge was suppose to entail. The US code tells consumers the finance charge '' The finance charge should be determined as the sum of all charges ''. And further states " The finance charge does not include charges type payable in a comparable cash transaction ''. New City Funding failed to perform by making this clear and conspicuous to me. According to " FINANCE CHARGE '' in the TILA disclosures in the " MOTOR VEHICLES RETAIL INSTALLATION SALES CONTRACT. The finance charge is XXXX but on my credit it was noted I owed XXXX. Also in 15 usc 1605 ( c ), charges or premiums for insurance, against loss of or damages to property or against liability arising out of ownership or use of property shall be included in a finance charge. Unless otherwise permitted. New City Funding consumer failed to make this disclosure to me as well as another violation I notice was 15 usc 1662 ( 2 ) regarding the advertisement of down-payments. I was told by mikes auto sales, New City Funding would not accept my credit application unless I had a down-payment. One more violation New City Funding Presented they threaten to garnish my wages seized property under FDCPA section 807 they do not have the right to do that and it is a XXXX fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX, Experian and XXXX XXXX and disputed 33 hard inquiries that are currently on my credit profile. I NEVER authorized any of 31 companies to pull my credit. I only authorized XXXX XXXX and XXXX XXXX to pull my credit. I made it clear to the dealership that I already received a pre approval from XXXX XXXX and XXXX XXXX and although they have higher rates, I have a thin credit profile and I did not want my credit run by multiple companies. There are at least 7 companies that pulled my credit without my permission and show up 3 or more times on the same day. I have repeatedly reached out to all three credit bureaus and made them aware of what happened and they refuse to comply when I insist that they remove the inquiries. I am also disputing XXXX XXXX. XXXX XXXX implies that I owe them {$1700.00} I have never had an account with XXXX XXXX.
Product: Checking or savings account

My name is XXXX XXXX and I have a savings account with Barclays BankXXXX XXXX. 

The savings account that XXXX has neither offers checks nor provides any debit card for money withdrawals as it is an " only online '' savings account. This is how the product has been designed by XXXX. 

Now, considering " online transfer '' is the only way for money withdrawal, the bank has recently started troubling and harassing both me and my wife who holds savings account with the bank. 

Earlier we used to authenticate the external account by verifying through trial deposits that are initiated by XXXX account. 
Now, XXXX enforcing me to provide a bank statement. This is an issue for us as we transfer to most of the times newly opened accounts. 

When approached the bank, the bank has highlighted the reason for asking bank statement for external accounts as the security protocols. 
While I believe this is more looks like a way of holding funds for 30 days until the bank statement is generated for external bank accounts. 

I am filing this complaint against Barclays Bank for following malpractices and using the security protocols as the reason for holding the customer 's funds wherein the bank is now allowing me to transfer funds to newly added external bank accounts for 30 days ( until the bank statement generates ). 

Best Regards, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you,, XXXX credit reporting agency , XXXX credit reporting agency , and TransUnion credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at 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 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX committed fraud I filed for the credit protection insurance on both of my cards from them when hurricane Ian it and I couldnt go to work for a few months and they stole the insurance money and refused to put it towards my accounts and there still trying to force me to pay it and they are making false reports to my credit file.
Product: Money transfer, virtual currency, or money service

i blocked my checking account from creditninja last night because i did not want this loan they said since it was after hours it was being processed into my account i called and tol them i do not DO NOT WANT THIS I BLOCKED MY BACK ACCOUNT FROM YOU it's as if they didn't care i o not want this money in my account at all
Product: Credit reporting, credit repair services, or other personal consumer reports

name of company : XXXX XXXX XXXX address:XXXX  XXXX XXXX XXXX XXXX, CA XXXX Amount : {$46000.00} 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

I have contacted the credit reporting company, LexisNexis, and am waiting a final response. 

Dog bite claim description as follows : Our family was visiting relatives ( not on our property ) where our son was XXXX that was owned by another relative not associated with that property. The property owner took out a home insurance claim through their insurance, XXXX XXXX XXXX XXXX, to cover medical bills for our son. The property owner 's insurance company contacted the dog owner 's insurance company and worked out how the medical bills would be paid. Ultimately, all medical bills were paid by the dog owner 's insurance company, XXXX. At no time were any claims run through my current home insurance provider, XXXX XXXX. 

In summary, it was not on our property, it was not our dog, and we did not take out an insurance claim with our insurance company for the dog bite. I respectfully request that this claim be taken off my property claims report. 

Attached is a report from XXXX/XXXX/2016 showing the dog bit claim under dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

Diversified consultants provided me with documentation that does not state for the debt amount they are asking for which also did not provide me with the documentation of the debt within five days that I contact the company on XXXX/XXXX/2016. When I talk to the original creditor. The original creditor respond to me that it is about another debt. So diversified is using fraudulent papers in order to get me to pay some one else debt. So in order to get this issue resolved. I am asking diversified to immediate delete themselves off my credit report.
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 XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : {$440.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX A ) Account number : XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX A ) Account number : XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Balance : {$1800.00}
Product: Credit reporting or other personal consumer reports

Thank you for your time and convince. XXXX XXXX has made my credit a nightmare of a situation. I have been denied loans, food opportunities, working capital etc. due to XXXX negligence of reporting inaccurate information of XXXX deliquent late payments to all credit bureaus. I have never missed a payment to this date. XXXX and XXXX payments were made in XXXX bulk payment via money gram to XXXX XXXX. 

My family new truck was held at XXXX chapel of XXXX ( XXXX XXXX, FL ) dealership for nearly XXXX months during this supposedly occurrence of late payments. 
XXXX XXXX XXXX also compensated us these troubles. 


please fix this issue, thank you for your time,
Product: Checking or savings account

Bank entered deposited check incorrectly for more money than the actual check. I contacted the bank. They corrected the deposit but refuse to return the {$50.00} due the check writer This has been ongoing for XXXX months. The bank keeps sending me to different departments but refuses to send the {$50.00} to the check writer. They have his market account number and routing numbers This problem started on XXXX XXXX.My account was debited {$50.00} on XX/XX/XXXX. Claim number was XXXX. Wells Fargo needs to reimburse XXXX XXXX XXXX XXXX -S {$50.00}.
Product: Payday loan, title loan, personal loan, or advance loan

During the pandemic, Heights Finance a non essential business decided to use lawfare to collect money from borrowers by using a tactic known as lawfare. The tactic, was used by Heights Finance during the pandemic, knowing that the economy was in such bad shape, the business decided to sue consumers to collect their money, knowing if they used courts friendly to them to punish borrowers who had a hard time paying their bills due to the pandemic and the downturn to the economy as a result of the pandemic, Heights Finance, knowing the courts would rule in their favor, and borrowers would not be able to hire attorneys in Illinois and other states to protect themselves from the lawfare onslaught would have an unfair advantage in courts. The firm hired a debt collection lawyer known as XXXX XXXX XXXX to carry out such lawfare tactics. 
I was never served a notice on the debt during the pandemic as XXXX XXXX issued orders for non essential businesses to close during the pandemic. I believe this order may have been violated by Heights Finance. 
After the CFPB sued Heights Finance, Heights now retaliated against me by suing me again for wage garnishment which I am actively fighting due to circumstances beyond my control. Once I get back on my feet I'll resume payments made as per the judgement wrongfully secured against me during this pandemic. 
In my personal circumstances, I am seeking how I can go on leave of absence which is unpaid leave as I may have to be a caregiver to XXXX XXXX my partner as she was seriously injured in an automobile accident on Friday XX/XX/XXXX and suffered massive internal injuries requiring XXXX  XXXX, and she remains at XXXX XXXX in XXXX XXXX and is staying there for the time being. During the pandemic I had to be her caregiver and take leave from work when she had her XXXX XXXX twice back in XXXX, and again in XXXX or XXXX as the first XXXX XXXX was defective.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following the Equifax breach, I have been attempting to freeze my credit with all three major agencies. However, Equifax will not allow me to submit a report on their website and their phone line is down, so the only way I will be able to contact them is through snail mail. Considering that the breach is their own fault, they should have a much easier system in place for the hundreds of millions of people whose identities have been jeopardized. 

Additionally, I find it ridiculous that I will have to pay {$30.00} total to the three agencies in order to freeze my credit and will not receive a reimbursement unless I go through their snail mail processes. Do they expect all of the Americans affected by this to go through weeks of paperwork and waiting just to protect themselves? The CFPB should prevent these agencies from making any profit off of the freezes that millions are now being forced to perform due to the agencies ' own negligence.
Product: Money transfer, virtual currency, or money service

Dear CFPB, The XXXX of XXXX XXXX, I have done a SEPA deposit funds of XXXX euro to XXXX to fill my account on the XXXX XXXX platform ( XXXX XXXX XXXX ). 

At the time I am writing this message ( XXXX of XXXX XXXX XXXX my XXXX account has not yet been credited with the XXXX euro I sent to them. 

I have also opened a case on XXXX support where I provided XXXX XXXX Wire traking info ) but I have got no anwser. 

I have also try to call XXXX Phone Support at +XXXX ( XXXX XXXX XXXX and not body anwser after almost hanging two hours and a half. 

Could you help me to get my money back? 

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

I got an alert for a missed payment from XXXX XXXX regarding XXXX XXXX account. However I have no knowledge of this account. I called XXXX XXXX credit card department on XX/XX/2022 and spoke to a representative her name is XXXX her ID number is XXXX. She said I dont have an account and or no business established with Them. Please I need this matter resolved and taken off my credit report because it reflects a negative mark.
Product: Debt collection

On XX/XX/year> at XXXX I received a phone call from a representative from IQ Data international regarding a {$11000.00} account from the XXXX XXXX XXXX XXXX  where I formerly resided at one of their properties. The caller asked if I could pay in full and I told her I was unable to due to paying rent, utilities, car payment and student loans and if I can negotiate a payment arrangement and she responded by we cant do that and I said okay Ill get back to you. At XXXX I call them back and she asked me if I was able to get a loan and I responded by what i said previously about my credit not being able to qualify for a loan and she scolded me for not getting a loan and demanded payment. I told her that I was part of a debt relief program and they can help with a solution and she responded by say if they try well refuse and told me to stop fronting I have the money I was in tears and ended the call.
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

HI ; SEE ATTACHMENTS for the cases and prior lawsuits ... It's impossible that these accounts can be verified as accurate. Listen, Im writing to dispute the following negative items accounts that continues to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.
Product: Credit card

I received substandard, poor service at XXXX in XXXX on XX/XX/year>. On XX/XX/year>, the General Manager stated in writing that he would make a full 100 % refund on the charge made of {$370.00} on my credit card. I submitted a copy of that as documentation to Navy Federal Credit Union. NFCU refuses to process the charge back claiming this is insufficient information. 

How can it be insufficient information when it is THE ONLY CHARGE made by this merchantXXXX  on my card. It is THE ONLY CHARGE in the amount of {$370.00} made. How much more clear does this need to be?