23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I made a XXXX. XXXX purchase on XX/XX/year>. The temporary hold amount was for {$120.00}. I only got part of the order delivered for the amount of {$65.00} then part of the order shipped to me for the amount of {$8.00} and then there was the driver tip for {$5.00} totalling {$79.00}. somehow everything got messed up and I was arguing with XXXX and b9 to get my refund for the difference between the temporary hold original amount and the final total. Somehow I ended up with 2 unauthorized pending XXXX charges which put me bank account negative {$45.00} so when I got my refunds finally then took the refund of {$47.00} to cover the negative money in my account and the other refund was for {$12.00}. I had already talked to b9 and they told me that my refund wouldn't be put towards the negative amount in my account since it's was only negative due to fraudulent XXXX charges but they did. Then they took my remaining {$12.00} from my refund from XXXX and Said it was for monthly account fees. I provided them proof that they had already taken {$18.00} and {$2.00} from my account this past week to cover the {$19.00} a month account fees. They still refuse to give me my money back
Product: Debt collection

This company has failed numerous times to validate this debt and present a legal contract between me and them with my wet signature. I have never been in a contract with this company.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX XXXX. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX XXXX, they should be promptly removed from my credit report. Since it has been over XXXX XXXX, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Checking or savings account

On XXXX at around XXXX XXXX $ of fraudulent debit transactions hit my husband 's and I 's joint checking account in XXXX separate individual charges ( a XXXX $ charge associated with XXXX XXXX, a XXXX $ charge associated with XXXX XXXX and a XXXX $ charge associated with XXXX XXXX ) associated with my debit card. All of these charges happened about XXXX minutes of each other including further attempted charges that Regions fraud prevention finally stopped. We immediately notified Regions of these fraudulent transactions and requested a new debit card and for the current debit card to be permanently removed from our account within XXXX minutes of this taking place. We were notified by Regions that we could not dispute these transactions until they posted to our account though. On XXXX the charges posted to our checking account, and we disputed them with Regions. Regions refunded us all XXXX $ dollars of fraudulent charges on XXXX and XXXX. On XXXX we received a letter from Regions dated XXXX stating that XXXX of the fraudulent charges would be charged back to our account ( the XXXX $ and XXXX $ XXXXXXXX XXXX charges ) on XXXX. It is important to note that to my knowledge I never had an XXXXXXXX XXXX  account and upon requesting statements from this XXXXXXXX XXXX account they show XXXX $ monthly totals and an inactive account from XXXX till the date of this incident. My husband and I have since reported this to local law enforcement and completed a police report regarding identity theft. Regions is now not cooperating with our requests for documentation showing the further charges that were attempted on our account on XXXX that did not go through and were blocked by regions fraud prevention. Regions is also attempting to charge XXXX $ of charges to our account on XXXX which we did not authorize and immediately reported as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, Why are you AGAIN refusing to fix my credit report - even though I have provided PROOF from the credit card companies - to change the hard credit inquiries to soft inquiries? 

Why are you REFUSING to do as the credit card companies have asked? 

You are no AUTHORITY to do what you want - by law you are required to have consumer credit reports 100 % accurate. 

I filed this complaint # XXXX on XX/XX/XXXX and you have already closed it out and REFUSED to change 4 hard inquiries to soft inquiries. 

I will AGAIN file a complaint and attached a letter with PROOF that I called into each credit card company, whom I spoke with, at what day/time, and what you are TO DO. 

You are not a rogue company that can operate as it wishes and put whatever you want on my or other consumers credit reports. 

I am DEMANDING that you do as the credit card companies have instructed you to do and make my hard inquiries into soft inquiries. 

-- - Please see below the unauthorized hard inquiries that need to be removed from my Experian credit report : Inquiry # 1 Company : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Reason to Remove : I called ( XXXX ) XXXX and spoke with XXXX on XX/XX/XXXX at XXXX XXXX XXXX who said this should have been a soft pull credit inquiry and not hard. She said she requested Experian to make this a soft credit pull. Please have this removed as a hard inquiry and reflected as a soft inquiry as soon as possible. 

Inquiry # 2 & 3 Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XX/XX/XXXX XXXX hard inquiries Reason to Remove : I called ( XXXX ) XXXX and spoke with XXXX on XX/XX/XXXX at XXXX XXXX XXXX  who transferred me to XXXX at XXXX XXXX XXXX who said she is requesting Experian to have the 2 hard credit inquiries both be changed to soft credit inquiries. Please have these 2 removed as hard inquiries and reflected as soft inquiries as soon as possible. 

Inquiry # 4 Company : XXXX XXXX  Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Reason to Remove : I called ( XXXX ) XXXX and spoke with XXXX on XX/XX/XXXX at XXXXXXXX XXXX XXXX who said he is requesting Experian change it from a hard credit inquiry to a soft credit inquiry. Please have this reflected as a SOFT inquiry as soon as possible. 

Inquiry # XXXX Company : XXXX XXXX XXXX : XXXX XXXX  XXXX, XXXX Date : XX/XX/XXXX Reason to Remove : I called XXXX XXXX XXXX and spoke with XXXX at XXXX XXXX on XX/XX/XXXX in consumer disputes and she said she has no record of any authorized signatures on file and has requested Experian remove any hard inquiries from my credit report. Please remove this hard inquiry from my credit report as soon as possible. 

Experian, please handle the above as soon as possible as these unauthorized hard credit inquiries above, which I have called and verified, are damaging my credit, and hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA in violation of FCRA, FDCPA, DODD FRANK ACT AND METRO 2 COMPLIANCE.
Product: Mortgage

Account Number:XXXX Property Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Servicer : Ocwen Loan Servicing On XXXX XXXX, XXXX GMAC initiated a foreclosure action against XXXX in the Circuit Court of XXXX County , Florida . 
On XXXX XXXX, XXXX GMAC recorded in XXXX County Official Official Record a bogus mortgage assignment purportedly executed by XXXX XXXX an alleged Assistant Secretary of XXXX XXXX XXXX XXXX , XXXX ( XXXX ). The assignment shows an execution date of XXXX XXXX, XXXX. There is no evidence that XXXX has any authority to assign the mortgage. 

The law office of XXXX XXXX XXXX prepared and recorded the bogus mortgage assignment on behalf of GMAC. 
On XXXX XXXX, XXXX, the court dismissed without prejudice GMAC complaint for lack of standing. 
On XXXX XXXX, XXXX, GMAC filed its first Amended Complaint, wherein GMAC stated the mortgage loan went into default on XXXX XXXX, XXXX. 
GMAC alleges that the new principal on the Note is {$180000.00}. The alleged original Note shows an initial principal balance of {$170000.00}. Due to the negative amortization of the loan, the Note principal balance has increased by {$10000.00} ( {$180000.00} - {$170000.00} ). GMAC has not paid the required documentary stamp tax on the increased value of the Note, making the note unenforceable. 

Though the alleged original promissory note did not carry an endorsement from XXXX XXXX XXXX XXXX, GMAC claimed ownership of the mortgage loan by way of an Assignment of Mortgage from XXXX. 

GMAC obtained an unconscionable advantage by concealing and/or misrepresenting the true owner of the beneficial interest in the subject loan and/or the amount owed. 

Despite such actual knowledge as to XXXX ' limitations and preclusions, GMAC intentionally and willfully uttered, in writing throughout foreclosure proceedings, the false and fraudulent misrepresentations as to XXXX for the sole and specific purpose of manufacturing bogus " Assignments '' of mortgages in order to institute and further fraudulent foreclosure proceedings with the intent of committing theft of real property. 

On XXXX XXXX, XXXX, XXXX XXXX was substituted as plaintiff with Ocwen as the servicer due to GMAC bankruptcy filing. 
Ocwen is now trying to foreclose on the property knowing that it has no standing to do so and that the note is unenforceable. A trial is scheduled for XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Product: Debt collection

The firm ALDOUS AND ASSOCIATES is again reporting a collection of 129.00 to my account in error. First in XX/XX/2021 and now in XX/XX/2021. ALDOUS AND ASSOCIATES is stating they are representing XXXX XXXX regarding this reoccurring dispute. While XXXX XXXX has emailed me twice, stating there is an error and not much money is owed this has not stopped ALDOUS AND ASSOCIATES from taking my credit score from XXXX to low XXXX. We need XXXX XXXX to do a much better job in protecting its client from fraudulent claims and negative impact to their financial livelihood. I must have XXXX XXXX ; XXXX legal department address this matter with ALDOUS AND ASSOCIATES directly ccd to me at XXXX Regards, XXXX XXXX
Product: Mortgage

We were with Wells Fargo for many years. We have refinanced at least 2 to 3 times. Always had a problem. Especially with timing and decision making. Also high costs.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX. XXXXDOFED - 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Vehicle loan or lease

My order was cancelled because you changed the finance terms to something I couldnt afford any more and it was cancelled with in XXXX to change the XXXX insurance Carvana is still trying to keep {$990.00} from me when no service was ever provided
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX we refinance our home that we bought XX/XX/XXXX with Wells Fargo hazard mortgagor. Fast forward to current date XX/XX/XXXX my mortgage payments have not been been reporting to all major credit bureaus. I was told by Wells Fargo that for one year my payments would be suppressed doing that refinance. And after that one year they would regularly continue reporting to the credit bureaus. Well, after trying to obtain a personal loan I was notified by the loan XXXX that my mortgage was not showing up in the credit bureaus. I contacted Wells Fargo they said that it was a credit bureau issue I contacted all credit bureaus and they said it was a creditor issue which is Wells Fargo. After many many attempts with Wells Fargo I received a letter stating that they had made an error I will try to fix it, that was XX/XX/XXXX. Wells Fargo lawyer contacted me saying that he would try to resolve the issue and today which is XX/XX/XXXX the in resolution on their part is, that they can not do anything they are not going to report my mortgage payments to the credit bureau because the issue is between the credit bureau and myself and I know that is untrue! All 3 Credit bureaus told me that they can ONLY report what has been reported to them from Wells Fargo. Wells Fargo stated that they received an electronic filing stating to suppress my payments which doesn't make any sense because I asked them who did it come from and the lawyer told stated to me that he did not know and they could not do anything.
Product: Credit reporting or other personal consumer reports

I have been requesting the credit report to remove the fraudulent information that is being reported by the credit reporting agency and they remove the information and it reappears again after the removal.
Product: Checking or savings account

Hello, I was on a medical leave of absence from my employer XX/XX/XXXX/XX/XX/2016. In late XX/XX/XXXX i went back to work. In XX/XX/XXXXI was behind on 2 loan payments which I emailed the company about not sending payment in for.processing. but they still came through. Wells fargo is my bank. The 2 transactions were {$9.00} and $ XXXX.instead of the bank paying those they sent back and started charging me {$35.00} fee.  Every week those same 2 transactions try to.come out because I get paid on Friday weekly. Wells fargo continues to send back and charge me XXXX each. Now over {$500.00} in fees. I did manage to get some of it back from when I was.out of work. I dont think this is fair. I asked the bank over a month ago to close my acct via email. Still open and charging me these fees. I again have reached out to the loan company about not submitting they are working to stop it. I had overdraft added to my acct prior to any of this happening and wells Fargo is not.honoring it. I have removed my direct deposit from that bank. I would greatly appriecate it if you could have this stopped. They are going to get my account so high with overdraft fees and close it hurting me financially. Please help me. Im so frustrated.
Product: Checking or savings account

XX/XX/year>, my company 's business account XXXX XXXX XXXX XXXX was restricted due to a deposit requiring verification. Prior to restriction my account received weekly payouts from XXXX XXXX XXXX  the processing bank for my company. With over XXXX phone call attempts to resolve the verification issue and providing XXXX ( XXXX ) direct lines of contact for XXXX XXXX XXXX given direct to Chase Executive Office Rep XXXX there has not been a attempt to verify the transaction. It is now XX/XX/year> I have been without the funds from the business services my company provides. This situation has caused mental, financial, family, educational damages to my future. The account has not been closed as of today.
Product: Credit reporting or other personal consumer reports

Equifax fax, inquiries are not attached to existing account. Request to remove all inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Company. I have sent many disputes about the accounts listed below over the last 6 months. At this point I am requesting that you delete the accounts as you keep having inaccuracies. You send me letters saying the account is verified and accurate, then I find an issue and later you update the account, then somehow change something else in the report to appease the creditor who is clearly abusive and trying to extort me. The other Credit Reporting Companies have deleted this account. I expect you to comply with FCRA and do the same. There is nothing more for you to ask of them. Do not ask them to verify anything again, they just keep giving changing their story. We have been back and fourth for 6 months and they keep giving you inaccurate information to keep hurting me. Your personnel must just delete the record promptly as in immediately. I have been hurt long enough. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX See XXXX XXXX XXXX. It is invoked and should have been followed as the other Credit Reporting Companies did. Please delete now. 

15 U.S.C. 1681i - U.S. Code - Unannotated Title 15. Commerce and Trade 1681i. Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information. -- ( A ) In general. -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit card

I tired to use my credit card to buy food but it was declined even though i new i had available balance. My credit card was account was closed on XXXX/XXXX/2016 and I was not informed about it until Five days later on XXXX/XXXX/2016. I have never missed a payment on any of my credit cards after reestablishing my credit like they insisted I had done.
Product: Debt collection

I am writing to formally dispute certain items on my credit report that I believe are a result of identity theft. I have recently discovered that my personal information has been compromised, leading to unauthorized accounts and transactions being opened in my name without my consent.
Product: Credit reporting or other personal consumer reports

Unacknowledged Dispute Request - Urgent Attention Required I XXXX XXXX am writing to express my frustration with your bureau 's failure to acknowledge my dispute request, which violates the Fair Credit Reporting Act ( FCRA ) guidelines. Please be advised per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have 4 days to respond or remedy the said information listed below. I have also sent out the dispute request electronically as well as certified to all establishments in question. 

It has been well beyond the legally mandated timeframe, and I have not received any acknowledgment from your bureau. Moreover, I find it deeply concerning that only some information was acknowledged, while other crucial details were overlooked or ignored. 

This marks my third attempt at reaching a resolution, highlighting the repeated challenges I have encountered in seeking fair treatment. It appears that your bureau may have selectively chosen what information to acknowledge on the dispute request. This raises significant concerns about the impartiality and thoroughness of your investigation process. 

I demand immediate acknowledgment of my dispute and a thorough, unbiased investigation of all disputed information. Please respond promptly to avoid further legal action. 


Please see attachments below. 

Thank you for you swift cooperation in this matter.
Product: Checking or savings account

XXXX XXXX sent XXXX to my XXXX account on XX/XX/XXXX. Funds cleared on XX/XX/XXXX. Funds never posted to my account. XXXX was created and sent back to my original institution XXXX on XX/XX/XXXX at XXXX. 

Issues XXXX. XXXX funds were held without notification from XX/XX/XXXX - XX/XX/XXXX XXXX. No notification was provided to me for funds being held XXXX no notification that funds were being withdrawn or refused XXXX no reason for the return or withdraw of my cleared deposited funds. 

When I contacted the XXXX bank XXXX Bank, asking about the XXXX  transition. They told me that there was a XXXX returned for " Wrong Amount '' which is impossible on a deposit. 
Because the bank returned my XXXX  without cause or notification, it will likley take months for me to receive funds. As the originating account was a XXXX account that does not accept deposits.
Product: Mortgage

XXXX XXXX XXXX XXXX on the wall at the place I used to work on XXXX XXXX, immediately I start XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; doctors from XXXX  XXXX  decided not pay me because all test were normal, I cant work because of this, and since last days of XX/XX/XXXX XXXX not working & no receiving money from nowhere, thats the reason Im behind on my mortgage payments ; on XX/XX/XXXX I applied for help at XXXX  XXXX XXXX, and after 6 months & a half on XX/XX/XXXX they denied the help because they said run out of funds, before that date & since XXXX when I applied for help I keep in contact with the mortgage company asking them how they can help me, they said to wait for the decision at XXXX XXXX XXXX ; on XX/XX/XXXX mortgage company sent me a foreclosure letter, I called them after receive that letter & they said foreclosure was on hold, waiting for decision ; I did call mortgage company after that XXXX  times on XXXX, and they same situation was the same ; on XX/XX/XXXX when I called them, I was surprise they said they start foreclosure & dont offer me more options than loan modification, reinstatement or short sale, Im asking for more time to pay the payments Im behind.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) # XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.