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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Mortgage

I am relocating to California and apply for a loan of {$800000.00} to buy a primary home there. Wells Fargo is one of the lenders my relocation company uses. I submitted my application and needed documents a month ago ( XXXX XXXX, 2016 ) and still do not have an approval from it as of today. Its slow response and service level is UNACCEPTABLE. I also discovered yesterday that the loan officer misled me when he was quoting me the rate. There is no discount point to be paid under current market condition according to my relocation company, but he told me that a XXXX point discount is provided. Had I continue the path with Wells Fargo, I would have to pay {$16000.00} fee at closing. It appears that Wells Fargo has a bunch of incompetent people. For your reference, my loan consultant is XXXX XXXX XXXX ( XXXX ID XXXX ) at Wells Fargo Home Mortgage, XXXX XXXX XXXX XXXX XXXX, IA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is will not remove fraudulant inquiries from my report that include XXXX XXXX  XXXX XXXX on XX/XX/2018 as well as XXXX XXXX on XX/XX/2018 need removed for my job
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than XXXX business days after the date reception. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in XXXX under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the XXXX INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. Transunion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX. XXXX, PA XXXX I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. Based off the FCRA, the XXXX  accounts XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX  has violated my rights. 

15 USC 1681 602 A states that I have the right to privacy 15 USC 1681 I states that if an item is unverifiable it must be deleted 15 USC 1681 604 A section 2 states a consumer financial agency can not furnish an account without my consent. 

If you have any questions or concerns I can be reached at XXXX
Product: Credit reporting

I disputed a debt placed on my credit report by XXXX XXXX XXXX. Experian allowed XXXX to keep this on my record though XXXX XXXX XXXX can supply no documentation from its company or the original company, XXXX XXXX XXXX, of the debt owed or the billing practices of XXXX XXXX XXXX and its billing management corporation XXXX. 

Also, XXXX reports the original date for the account as XX/XX/XXXX, when it is actually XX/XX/XXXX. 

I was told by XXXX that this debt would remain on my credit report forever because they were going to keep it in a collection state.
Product: Mortgage

My household income decreased in XX/XX/XXXX. As a result, I fell behind on mortgage payments beginning XX/XX/XXXX. I began working with the XXXX XXXX in XX/XX/XXXX for mediation in efforts to get a loan modification and continue with mortgage payments. All requested paperwork required for the mediation review was submitted to the lender ( Loan Depot ) through the XXXX XXXX  multiple times. Loan Depot would respond requesting updated paperwork after 1 month had passed. XX/XX/XXXX I attended mediation with the XXXX County court leaving with the understanding I would receive a plan from the mortgage company within 30 days. XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX again requesting new pay stubs, new hardship letter, copies of all bills, copies of bank statements, a new uniform borrowers assistance form and another copy of my husbands drivers license. All of these documents have been submitted 3-4 times since XX/XX/XXXX.
Product: Credit card or prepaid card

For the statement ending XX/XX/2019, the balance transfer/check promotion row in the " Interest Charge Calculation '' showed the balance of $ xx and an APR of 0 %. 

In the section below about " AVOIDING INTEREST ON PURCHASES ( GRACE PERIOD ) '', it said the following : 1 ) If you have a 0 % promotional APR on all of your Purchase balances, you can avoid paying interest on those balances during the applicable promotional period. However, pay at least your Minimum Payment Due to avoid a late fee.

2 ) If you have both Purchase balances with an APR greater than 0 % and you also have other promotional balances on your Account, you can avoid paying interest on your Purchases by paying $ xx ( this amount includes any Minimum Payment Due required to avoid a late fee ).

Then, the next month, I received an interest charge of $ yy, even though the previous statement said that the balance of $ xx had a 0 % APR rate. 

I tried to explain to this to Barclays on the phone, but they refused to acknowledge that their statement ending XX/XX/2019 incorrectly represented the APR on the balance. They also refused to take any responsibility because the prior statement ending XX/XX/2019 explained that interest would start accruing on XX/XX/2019, even though their XX/XX/XXXX statement said the opposite. 

Based on the XX/XX/2019 statement, there was no way of knowing I would be accruing interest in XX/XX/2019.
Product: Debt collection

I sent the collection agency True Accord a cease and Desist letter which included the law ( 15usc 1692c ) on XX/XX/2023. I received communication back that they received the communication on XX/XX/2023. But yet I am still receiving communication from True Accord. I spoke to a representative on today at XX/XX/2023 at XXXX XXXX  who verified they received the communication on XX/XX/2023. Also she updated the system. I also spoke with the original owner of this account XXXX  XXXX  regarding this matter and they supposedly submitted a complaint up stated this action is unacceptable. I spoke to 2 nice representative regarding this unacceptable matter. They texted on XXXX XXXX, XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; and XX/XX/XXXX XXXX via text. Also XX/XX/XXXX via email. This is willful non compliance ( 15 usc 1681n ). They are harassing me and I'm stressed out this is causing emotional stress. This is real ridiculous and inconsiderate of this company and I think this needs to be handled accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see this account removed from my credit file : XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2022 Balance : {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed a debt with all three credit reporting agencies requesting that they update the balance as {$0.00} and remove this debt from my credit report with XXXX XXXX to go balance of {$4000.00}. All three credit reporting agencies ( XXXX, XXXX, and Trans Union ) did not remove this debt. XXXXXXXX XXXX to go was settled on XX/XX/2022 with payment confirmation number of XXXX. XXXX XXXX also confirmed that this debt would be removed from my credit reports. XXXX, XXXX, and Trans Union never did what I requested ; which is update my balance as {$0.00} and remove this from my credit reports.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns Regarding Zelles handling of disputes Particularly in the light of recent CFPB lawsuit, highlighting significant issues with the platform despite using them multiple times and reporting discrepancies my financial institution, and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected. to protect consumers, but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency. Is unacceptable and raise a serious concerns. About consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit card

ive been dealing with this for a year i even filed a police report now
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Mortgage

On XX/XX/2019 a case was sumitted to BANCO POPULAR of Puerto Rico to evaluate.. 
On XX/XX/2019 It is confirm with the Bank that they received all the documents. 

On XX/XX/2019 The case is completed and in the process of evaluation. 

XX/XX/2019 My Realtor spoke to Banco Popular and the person in charge of the case was not present that day but her secretary said my Realtor that XXXX XXXX XXXX will return the call but she never did it.. 

XX/XX/2019 the property appraisal came, 52 days have passed and BANCO POPULAR do not approve the case ...
Product: Debt collection

If I recall in either late XXXX or XX/XX/2020 AMEX reduced my credit limit by {$2000.00}. I was never late with a payment nor had any prior issues with the company. During that period I was dealing with hardships that included issues in my apartment that made it uninhabitable, and I was paying for the repairs and services ( due to landlord 's refusal to pay ). I pleaded with AMEX not to reduce my credit at that point, due the hardships. I was using multiple credit cards to pay for the expenses, since I am XXXX and was receiving XXXX. At that point I was not making my minimum payment on my XXXX XXXX, as I could not afford to make all minimum payments on the credit cards along with paying for apartment repairs. I then did not make a payment on AMEX because I needed to keep up my other cards which still gave me a little credit to utilize during the emergencies I was dealing with. I tried to work this out with them, and they refused. They then sent me a minimum payment amount of {$760.00} due by XX/XX/2020, which I was unable to make, but did try to call them. They had already sent my account to a collection agency. This has adversely affected my credit rating, and I am unable to pass a credit check to move out of my uninhabitable apartment, which conditions in my unit are adversely affecting my XXXX. I have since been on a payment plan with XXXX to restore my rating, and have been able to make my additional 2 minimum credit payments with XXXX and XXXX. I have subsidized housing, but still need to pass a credit check, which I can not do anymore. Prior to this, my credit scores were averaging XXXX. Can you do anything to help me or advocate for me? Thank you.
Product: Credit card

I am stationed in XXXX XXXX, LA and requested my XXXX benefits so Navy Federal asked me to fill out form which I completed, and I have to wait if I'm approved for my entitlement benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the valid proof of contract as well as other information listed below. The Proof of contract must be original and certified copy of a authenticated original contract with my signature, specifically XXXX XXXX as the company entitled to enforce this reporting to my credit. 
Company : XXXX XXXXl Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX Date Opened : XXXX Date of Last Payment : N/A Date Closed : N/A Date Reported : XXXX I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file.

2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report.

3. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved immediately for which this is the 3rd attempt for your company to provide all requested information. Your company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report.
Product: Checking or savings account

I invested {$10000.00} in a friends company. This friend banks with Old National Bank My investment matured, and my friend wrote a check to me on XXXX XX/XX/XXXX in the amount of {$10000.00} ( check # XXXX ). I was not aware this check was in the mail. 
This check was stolen from my mailbox and cashed on XXXX XX/XX/XXXX at a XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I was not in XXXX at the time this check was cashed, as I had departed the city at XXXX on XXXX XXXX to XXXX XXXX XXXX. 
I do not have a bank account at XXXX XXXX XXXXXXXX. XXXX XXXX XXXX check cashing policy states it will not cash a check for someone without a bank account with an exception : Some check types can be cashed if you don't have an account ( there's a fee associated with this service ), but the transaction must be performed at a full-service financial center and not a drive-up location. 
In XX/XX/XXXX I first discovered the missing check when catching up with my friend I filed a police report on XXXX XX/XX/XXXX I filed a claim with Old National Bank on XXXX XX/XX/XXXX I was never contacted by XXXX  XXXX XXXX during the course of the investigation XXXX  XXXX XXXX denied my claim on XXXX XX/XX/XXXX, stating, Our review determined that the intended payee received benefit from the check ( s ). The check was deposited into the intended payee account. 
Please recall, I did not have nor have I ever had an account at XXXX  XXXX XXXX nor was I even in XXXX XXXX XXXXXXXX at this time XXXX XXXX XXXXXXXX refuses to work with me to resolve this issue because I am not a customer Old National Bank refuses to re-open this investigation
Product: Checking or savings account

On XX/XX/scrub>/2025 Capital One had an issue with what they're saying is a 3rd party. Hundreds if not thousands of people 's paycheck have not been deposited. Not only were they not proactive about communicating the issue ( a communication via email did not come from them until XXXX EST XX/XX/scrub>/2025 ) as of XXXX EST on XX/XX/year>2025 people are still without their deposits. They said on XX/XX/year>2025 the issue wpuld be resolved through the night and morning but many people are reporting no change but overdraft fees and late payment fees on their Capital One credit card as deposits have not shown up. We are entering a holiday weekend which banks are closed and this could mean days without access to money.
Product: Credit reporting or other personal consumer reports

Credit card was reporting negative information and proof was supplied that it was mine XXXX XXXX is the company name
Product: Credit reporting

My mother passed away, and I was n't aware I was responsible for this payment, and when it became known no one else was going to pay it, I paid it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX PURCHASE INTEREST FREE for 12 months XX/XX/XXXX, Mattress OWE, {$1000.00}, Experian {$2000.00}. XXXX, Bedroom Set .OWE {$2500.00}, Experian {$5100.00} XXXX Dining Room Set Owe, {$1300.00}, Experian {$2600.00} Total I owe is {$5000.00} Experian shows {$9700.00} The high balance on Credit Report is preventing me from getting home equity loan to pay the XXXX   loan off before interest in accrued. The correct amount needs to be reported correctly by XXXX to all three Credit Reporting Agencies. XXXX, XXXX  and Experian. The Correct Amount owed : {$5000.00} Not owed {$9700.00}
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 Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX. XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and there are also like four accounts on XXXX that dont even have a name. The account numbers ore XXXX, XXXX and XXXX.
Product: Checking or savings account

I was issued two refunds from XXXX. The first one for {$130.00} and the second for {$25.00}. The second refund came through immediately but the first did not come at all. When I contacted customer service they told me to wait 14 days to see if the refund would come but declined to comment on why the second refund was already in my account. They did admit that they had no record of the refund for {$130.00} while I have a receipt from XXXX for both refunds. When I asked to speak to a manager I was told that one would email me. When I insisted on speaking to one I was hung on and when I called back the manager outright refused to speak to me at all. I just want my money back in my account
Product: Debt collection

I received a letter from your company claiming an alleged debt that is supposedly owed to you. First let me start by saying I have never heard of your company and have never conducted any business with you, especially not a transaction that would result in collection. Next, I am requesting that this alleged debt be VALIDATED, pursuant to the FDCPA validation of debt section, 15 USC 1692g.

I am also specifically requesting the ENTIRE PURCHASE AGREEMENT, not just the Bill of Sale associated with this alleged obligation.
Product: Credit card or prepaid card

I had purchased a flight ticket for my wife throw XXXX .Flight was delayed for about 2hours and made her miss the rest of the flights. 
We were covered for full refund under XXXX  policy .they told us to file a refund application and with in 30 days, we will receive the money back .After 30days, i never got the refund, I contacted them and they asked us to wait more time with no specific date .i waited then I filed claim with capital one credit card services .They answer stating that I didnt contact them for the refund and If I have their refund policy .So I did provide documentations and proofs about their policy and the delayed flight refund application .Those documents proved my rights and also showed how XXXX  is commenting fraud. 
Capital one closer the case even I have proved all my rights to them, agents doesnt Seems to care and I feel that I have been neglected and took advantage of .I just want my rights as citizens of the united state and as the low says so.