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

Upon analyzing my changes, I discovered that my personal credit file has been given inaccurate information. The Equifax XXXX XXXX XXXX continued to report unverified information without providing any of the required legal justification, in violation of Section XXXX of the Fair Credit Reporting Act. The XXXX Credit Bureaus have failed to properly identify and present any verifiable proof within the required time frame permitted by law. The information below is false, and I never gave permission for my credit to be accessed. They have neither removed these inquiries from my credit report or given me a written authorization. I want the following questions to be stopped : XXXX date of inquiry XX/XX/202XXXX XXXX date of inquiry XX/XX/2021
Product: Mortgage

Nationstar Mortgage has been taking money out of my account every 2 weeks since XXXX 2015 when I enrolled in their " Equity Accelerator Program ''. They have been misapplying payments to my account and now there are late fees and I 've been getting harassing phone calls from Nationstar.
Product: Credit reporting or other personal consumer reports

On XX/XX/23, someone stole my identity. Someone opened a XXXX XXXX XXXX credit card under my name. 

I reported it fraudulent immediately to the police, FTC and all three credit agencies. 

XXXX and XXXX have taken them off my report but TransUnion has not. 

I have been calling and trying to fix this for months. 

I have a hard inquiry on my credit report and also points taken off for this fraudulent charge on my account. 

I want it removed from my account immediately along with I want my points back as this situation is fraud. 

TransUnion however will not help me. Ive spent months and they are not doing it. 

I have been a victim of identity theft and my credit and financial life has suffered tremendously. I need this off my report and my points back.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX XXXX XXXX XXXX ct Open XX/XX/17 Amount XXXX Account number XXXX Account was previously deleted and then reappeared back on Equifax credit report
Product: Money transfer, virtual currency, or money service

My Daughter used my cash app card to order boots. When I got home I looked at her purchase. XXXX pairs of boots XXXX XXXX for {$120.00}. To good to be true. I checked the site she ordered from. It came up as a scam site. With a tag of untrustworthy, with multiple complaints of non delivery. I had her cancel her order. She did within an hour. I followed up by calling cash app. The representative I spoke with reversed the transaction. The scam merchant forced the transaction after responding to the cancellation with a notice that I would be contacted soon. I contacted cash app support and filed a dispute. Since then I have filed numerous disputes all to no avail. I have provided screenshots of the cancellation along with the date I personally cancelled it. XX/XX/XXXX. The merchant acknowledged the cancellation, which I also sent in a screenshot. The merchant insisted on sending the merchandise, trying to assure me Id be satisfied with the product. I continued to cancel over and over. After multiple cancellations from me the merchant told me that the items were delivered. By XXXX, however the postal worker acknowledged that no such delivery was ever made. To me or to any of my neighbors. Now the merchant is questioning whether I missed the package, because its small and might not have seen it, and to check that no one in my home signed for it. XXXX pairs of boots are not small. I have sent screenshots of all the information provided by me and by the merchant. Yet my disputes are continually denied. Now this merchant has notified me that they sent the wrong merchandise, and its now my responsibility to find and return it so they can send the right order. All of which is captured in screenshots sent to you. Tracking number has been entered into XXXX tracking system. Package doesnt exist. Screenshot included.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account child support enf XXXX acct # XXXX, XXXX acct XXXX XXXX, XXXX 120 day late payment has violated my rights. 

15 U.S.C. 1681 section 602A. States I also 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion shows that I was 30 days late XX/XX/2013 for a mortgage payment to XXXX XXXX. I previously notified Transunion and the mortgage company that I was never late paying and that the information is incorrect and I was informed that the matter would be investigated and corrected. However, the incorrect information remains on my credit report.
Product: Mortgage

Statement from our Listing Agent : XXXX XXXX, The XXXX XXXX XXXX. We initiated a short sale XX/XX/2015 with US BANK. At no time were we informed by US Bank that a sheriff sale was in the process of being scheduled for end of XXXX XXXX. Owners were served a sheriff sale notice XX/XX/2015. A complete file, which includes all required and requested documentation, including an appraisal ( ordered and completed by US Bank ) was confirmed as being received with file being moved to processing on XX/XX/2015. This is after numerous times where documents were sent and confirmed as received by US Bank and later re-requested. On XX/XX/2015 I sent an email and was able to reach our assigned contact manager XXXX XXXX. She did not give me a reason as to why the sheriff sale could not be postponed, she did say she would check with her supervisor on getting file accelerated which should allow us to proceed with short sale in the event we are not able to close prior too. She went onto say she was n't sure if the file would qualify for acceleration which I found perplexing due to this new imposed timeframe and the file status being complete. She also said she had no updates from processing department and no additional documentation was required at this time. I confirmed that we continue to a cash buyer as well as a back up buyer in place ( purchase agreement provided as part of file ). On XX/XX/XXXX, XXXX called ( potentially an auto dial or required scheduled call ), it appeared she needed to familiarize herself with the file and had no updates for me aside from that she felt a short sale would n't get done in time? I asked her if file had been accelerated and she said no and furthermore we had also not been assigned a processor or negotiator. This is week 4 that nothing has happened on file since confirmation of complete package was received, except for US Bank to serve owners with a sheriff sale notice. It was disconcerting at the lack of familiarity she had with file when she advises she is only point of contact. She would not provide contact information for the processing department but did elect to share that her supervisor XXXX XXXX sits right next to her.
Product: Checking or savings account

On the XX/XX/XXXX, we noticed a large drop in our balance on our business checking account with Wells Fargo. After going through numerous transactions online, we noticed two business to business ach mobile payments to XXXX XXXX listing an unknown person. 
On XX/XX/XXXX. The first was for {$5500.00} and the other was for {$3600.00}. These fraudulent charges totaling {$9100.00}. We called and submitted a claim. We called back in at a latter date to check status and was told that the funds would be deposited back into our account on XX/XX/XXXX. I called another day to check status the representation said that she would put in a request to expedite the funds being returned. 
Then, I called back yesterday XX/XX/XXXX, XXXX and was told be another representative that our company 's funds will not be returned to us. I asked for a supervisor... she said she would submit a request to the escalation team. I spoke to him and he said he would escalate to a higher escalation team and they would be contacting us with in 48 hours. We are a small business and we need our money to pay employees, customers, pay bills etc. I stayed on the phone until late last evening trying to get the funds restore but was unsuccessful. We I got home and retrieved the mail there was a letter from Wells Fargo stating that they have completed their research of the inquiry about a {$9100.00} charge to our business account on XX/XX/XXXX. They stated that they were unable to reimburse us because too much time passed before we notified them on XX/XX/XXXX about the charge. They recommended that we contact the merchant XXXX XXXX to resolve the issue. Wells Fargo allowed a company to take {$9100.00} of our hard earned money and refuses to give it back. They acknowledged that we did not authorize it but they are not willing to reimburse us. This is not a small amount and has a large impact on our business. I reached out to XXXX XXXX and spoke to a representative named XXXX and he stated to have the bank send them to sent them and Unauthorized Affidavit of Unauthorized Activity, Copy of all statements and/or checks/ach showing the unauthorized checks/ach, Send a letter on bank letterhead explaining the error/fraud and mail to XXXX  XXXX, Fraud Support XXXX XXXX XXXX, XXXX Virginia XXXX and two weeks from date affidavit received, we will receive our funds back. I called Wells Fargo Small Business Fraud Dept back and gave them this information. They said they notated the account but we would have to now wait for the investigators to contact us within the next 48 hours. This is theft! We work hard for our money and the right thing to do is give it back. This is very stressful!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an Unearned Income Letter from The Department of Health and Human Services saying that I own stocks. I don't recognize the amounts, and when I searched the address nothing shows up. The amounts are also very odd, like one is for XXXX  dollars lol.

They are all from the same company address, yet each have different account numbers.

Reached out to the company, SQUARE INC, they say they don't know either.

Emailed ; called, and tweeted the IRS a lot, no response lol. Contacted Social Security since I'm low income, they said to contact you because it sounded like fraud.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my initial dispute letter regarding the incorrect bankruptcy information on my credit report. I have not received a response from your department within the required 30-day period as stipulated by the Fair Credit Reporting Act ( FCRA ) 611. 
The inaccurate bankruptcy details are as follows : XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXXXX/XX/year> To date, I have not received any confirmation or results of your investigation. Please consider this letter a formal reminder and final notice to comply with my request. Should you fail to resolve this dispute promptly.
Product: Checking or savings account

Hi there. First of all, thank you for this service.About four years ago, I opened a Chase account in XXXX, FL with my passport since I live in XXXX. I was and still am an XXXX XXXX  working in XXXX for several US companies, and it was in my best interest to have a US-based bank. In XX/XX/XXXX, I requested an early withdraw of my 401K plan from XXXX XXXX. This move was simply to help my younger brother who is XXXX from a rare XXXX called XXXX. (XXXX). On XX/XX/XXXX, XXXX sent me a check for $XXXX, which corresponded to the money I saved throughout the years, less taxes. I had to wire the money for my brother and on XX/XX/XXXX, all of sudden, Chase closed my bank account without any explanation.I supposed the wire transfers may have risen a flag, but this is my retirement money. This is my money and I transfer it however I want. Now it has been more than 3 weeks and Chase still is holding $XXXX, which I urgently need.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is too much unacquires on my credit report. Fraud from following companies 1. XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This Accounts/ Creditors as being reported has a CHARGE OFFs on my credit report. According to the guideline of Fair Debt Collection Practices Act, 15 USC. 1692 and as amended by adding following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) is USC. 1601 et seq.. they have violated rights a consumer, consumer being me.
Product: Mortgage

I called Mr. Cooper 2 weeks back about the same issue that my online amortization schedule is not visible after login into the account. I have been following up with Mr. Cooper for at least 4 months regarding the same. 2 weeks back I was told that within 4-7 business days - this issue will be fixed.

But nothing has been done till now.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The XXXX and Transunion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ****
Product: Checking or savings account

my XXXX  stole my debit card and phone while i was XXXX  from XX/XX/year> to XX/XX/XXXX XXXX he stole over {$3000.00} from my checking account and after overdraft fees it totaled over {$4000.00}. I provided police reports including his charges. bank denied my claim and closed my account leaving me completely broke.
Product: Credit reporting or other personal consumer reports

I am a victim of a Data Breach and Identity Theft. Please block and delete the following account within 4 business days under the Fair Credit Reporting Act Section 605B, 15 U.S.C 1681c-2. Please delete and block the following account : XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have already disputed these accounts but the bureaus did not remove them, nor prove validation. please remove these items from my credit files. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, has violated XXXX 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 card or prepaid card

I disputed two charges with Sallie Mae 's credit card for the following amount : {$590.00} and {$640.00}. These charges are related to XXXX  XXXX performed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX NC XXXX that left my dog with XXXX XXXX. I explained this to the Sallie Mae representative multiple times and also sent them documents on XX/XX/2022 by USPS tracking nr : XXXX. 
Today I got an email that the charges are valid and I am responsible for the balance. 
After we retrieved our dog on XX/XX/XXXX we noticed that her XXXX XXXX XXXX and questioned XXXX and his staff regarding this they claimed that this is due to discomfort after the XXXX. We noticed XXXX XXXX and XXXX  that continued to XXXX  and her XXXX XXXX XXXX XXXX. I was texting XXXX and his staff, ( screenshots attached ), he ignored it and they stated that they don't know what could cause that. Later on, they stated that these are XXXX XXXX 
On XX/XX/XXXX I took my dog to XXXX to treat my dog 's wounds and he claimed that this is a reaction to the medication. XXXX lied to us and tried to mislead us, he even charged us {$240.00} to treat her wounds that they caused during XXXX with the heating pad. 
On XX/XX/XXXX I contacted another veterinarian and she confirmed that these are XXXX XXXX XXXX I reported XXXX to the XXXX  XXXX XXXX XXXX 
Sallie Mae made a decision even not reviewing the documents that I sent, they were not bothered to wait for the documentation to have a full understanding of the situation. 
I incurred financial losses and suffering as a result of XXXX 's negligence. The service I paid for was not provided as agreed. I paid nearly one thousand for treating my dog 's XXXX  XXXX  and saved the receipts for {$610.00} I also tried to contact XXXX multiple times, he never came to the phone or returned my calls. I requested a refund via the feedback link, but he didn't respond. On XX/XX/XXXX I sent him a demand letter. 
Unfortunately, I will not accept this resolution.
Product: Credit card

I used my Apple Pay to purchase two dresses from XXXX on XX/XX/year> for {$79.00} Copy of ad from their website is attached It clearly says at the top of the web page 30 day money back guarantee Ad clearly says made in South Carolina, USA Ad clearly says material is cotton Upon receipt label in both dresses says made in XXXX and 100 % polyester ( no cotton ) I contacted XXXX and they told me their money back guarantee is for quality issues only and wrong place of manufacturing and material used are not considered by them to be quality issues. I could return items at my cost to XXXX but they would not issue any credit. 
I have been back and forth with Goldman Sachs ( Apple Pay ) since XX/XX/year>. They continue to be of no help. They deny the dispute on a regular basis and then reinstate when I give them the details again. Copies of ad, pictures of dress labels etc. have been submitted to Goldman Sachs. XXXX would not send me anything in writing regarding denial. Phone only. 
This is a fraud scam that needs to be stopped. 
I have both dresses unopened and will gladly return if they send prepaid mailer which they have refused to do. 

XXXX website still offers the dresses with the same error in description regarding money back guarantee, place of mfg, and dress material https : XXXX
Product: Debt collection

I have fraudulent accounts reporting to collections : I don't know how people are getting my information but this is crazy that this is happening again. 

XXXX XXXX XXXX - Collections - XX/XX/18 - {$1500.00} XXXX Collections - XX/XX/18 - {$1100.00} XXXX XXXX XXXX XXXX XXXX Collections - XX/XX/18 - {$75.00}
Product: Credit card or prepaid card

My husband, who is on my account, had requested a refund of 5 digit refund back in XX/XX/2022 from CapitalOne. Two weeks later we called to find out what happened to the refund and they stated that they refused the request because I did not make it myself. So, I authorized the request for a refund myself. Now almost three weeks later I still have not received a refund. What are my options? Now they are telling me that it will take another two to three weeks to get my money. I want and need it now. Please help.
Product: Checking or savings account

RE : claim # XXXX I requested a refund from Chime for services not rendered. I was denied a refund within an hour. I was not given the opportunity to provide any proof to this claim. I have corresponding text message as proof as well as paperwork I was suppose to receive with other people 's name on it. These transactions were paid out through XXXX XXXX. This was XXXX of the reasons I was denied a refund. I was also told I was denied provisional credit due to me having a XXXX balance. At that particular time my balance was not at a XXXX balance. I did withdraw my funds from Chime, and stopped my direct deposits due to terrible customer service. There have been times I go to the store to make a purchase, and that transaction is denied with thousands of dollars in my account. The excuse I am given is we are having a glitch in the system ; try back later. My funds as a consumer are supposed to be protected at all times. I previously called for another refund, due to me not receiving my product. I was denied that refund as well. I have moved my business to another financial Institution. 

As a depositor with Chime my funds are covered through the FDIC up to {$250000.00} dollars. I expect Chime to do a legit investigation. 

As a consumers we are the reasons these financial Institutions stay in business. These institutions have no money or collateral. These contracts made with these corporations ; it must be XXXX parties that come together with equal collateral. These institutions use the consumers funds. We all know that for a fact. 

I am following up with the FDIC as well with this complaint.
Product: Vehicle loan or lease

I purchased a new 2018 XXXX XXXX at XXXX XXXX of XXXX at XX/XX/2018. The negotiated price for this vehicle is XXXX, but we actually paid XXXX without the interest. The reason is during the final finance process, the finance person ( XXXX ( XXXX ) XXXX ) intentionally changed the contract without notify us. 

He is so misleading. He said we must include a maintenance package in order to apply the loan, but we found it not necessary to buy the maintenance package later. 

He pushed us to sign all the contract under the condition that we did not fully understand the contract. Besides, he did not explain all the details, even he did not mention that he let us to sign a service contract with worth XXXX $! Moreover, our vehicle already includes a ResistAll package that covers for 4 years. But he changed the coverage year to 7 years without notify us and charged us additional XXXX . However, after we signed the contract we realize that the year is wrong. But he said once you signed it, it could not be cancelled. Also he charged twice for ResistAll, one is for 4 years and one is for 7 years. It is nonsense to have two ResistAll packages! 

The reason why we did not find the error immediately is that the total additional charge ( XXXX $ ) is the same as our down payment ( XXXX $ ), and he only showed us the remaining payment after the down payment, which we think is the full price. Such things are really misleading!