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

I have an un-authorized inquiry on my credit report with XXXX from XXXX XXXX XXXX. I did NOT give XXXX XXXX XXXX permission, thus allowing a hard inquiry to reflect on my credit file. I was not made aware, nor were there instructions letting the consumer know that they would be pulling my credit report. What I did was, I added overdraft protection to my personal banking account. No where on their website did it say that they would have to run my credit just for me putting overdraft protection on my personal account. I had no knowledge that they were pulling my credit nor did they have my permission. I am requesting that this un-authorized inquiry of XXXX XXXX XXXX be removed off of my personal credit file with XXXX, and Transunion.
Product: Debt collection

They have called yelling at me until I hung up the phone on them. I have tried to tell them multiple times that I have NEVER been to XXXX XXXX XXXX XXXX for any reason. I have not been to the ER or hospital in 9 years and then it was a military hospital. Therefore I do not owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity was compromised because of the Equifax Breach. 
Charges were made to an existing account ( I closed it ), a new credit card was established ( I notified XXXX ), a XXXX Cellphone service was established ( I contacted XXXX immediately ), and my mailing address was moved via the United States Postal Service. 
" THEY '' have all my information including my Social Security information. 
THE USPS has yet to resume mail delivery or give me definitive answers as to when and if my mail was recovered/will resume. I notified them as soon as I received the notice from the USPS stating it had been moved on XXXX/XXXX/XXXX and the notice they sent me was XXXX/XXXX/XXXX. Equifax was supposed to freeze and place alerts on all three credit services. It does not appear that this was done. 
Equifax and the USPS has been a nightmare. No one gives you definitive answers and the USPS has  the fraudulent address and even though I contacted the Inspector General 's office, the local police where the mail is going ( I only know the town and state ) no one is acting upon it. The US Inspector 's office brushed it off and the local police has not returned SEVERAL calls and emails. 
EQUIFAX is the source and they are impossible to work with. I tried to find CORPORATE telephone numbers and it is impossible. 
It is too bad they DID NOT protect our information as well as they are PROTECTING THEIR CORPORATE EXECUTIVES contact information. 
This is a disgrace. Both the United States Postal Service and EQUIFAX needs to be held accountable and consumers need to know how destructive this breach is to a person. Please contact me and publish this email. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has sold my account to XXXX XXXX XXXX ( XXXX ) for collections. I have disputed this account with all credit bureaus. This account was paid in full through my XXXX bank account on XX/XX/2018 before account was even sold to XXXX. I have mailed proof of bank statement certified mail to all credit reporting agencies XXXX, Experian, and XXXX  as well as XXXX. Please assist me in seeing that this issue is resolved and account is removed from my credit file.
Product: Credit card or prepaid card

I was in the XXXX last XX/XX/XXXX and around XX/XX/XXXX when I noticed a fraud transaction on my card last XX/XX/XXXX & XXXX, XXXX. A total purchase Of {$2100.00}. l called Wells Fargo Long distance around third week of XXXX weeks after the transaction, it took awhile for me to notice the fraud because I never ever use this credit card when I am abroad, and I didnt have any transaction on this card for a long while thats why I was even wondering how come they authorize this transaction even the purchase was more than my credit limit. I was expecting that this credit card company should decline any purchases because first of all I didnt call them to inform my international trip and its Been A doormat account. Since I am away for months I never get the chance to see all my mails not until when I came back to the US last XX/XX/XXXX. I received Wells Fargo declining my request for reversal, so I appeal again like 5x already but still they are telling me its a valid transactions Authorized transaction. I requested a copy of their investigation, the transaction slip shows a different signature, obviously not my signature! I even reach out via email to the store manager where the fraud purchase was made, they even said that they are practicing NO TOUCH policy on all credit card transactions in that store. I think their mistake is not checking the i.d of the cardholder. 
I am not responsible on this purchase. They should investigate thoroughly and charge that company who made mistake. I will try to get a police report when I fly back to the XXXX. 
This is stressing me out and Its affecting my credit score.
Product: Checking or savings account

On XX/XX/year> they blocked {$990.00} trying buy XXXX fridge..They said I needed used app to authorize with bank to use my funds ..Before that they blamed XXXX instead of it being bank of america fault. I have Witnesses that saw this bank Lying and making up reasons to freeze my funds. I sued this county and I was trying to use this money. And this county infiltrated on my account and prevented usage. Making up fraud cases that wasn't actually happening. I verified a weapon and they refused to let me use my phone. No matter what even if I went inside the bank.. I used XXXX is blocked before that I used my bank card it was refused declined every attempt this is fully XXXX they discriminated against me..I  will keep these complaints til there handled correctly an til Trump gets into office..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX I have never apply for this account and it shows up as a hard inquirie I want this remove.
Product: Debt collection

Professional Debt Mediation Called me on my mobile phone in XX/XX/XXXX stating that I owed over {$15000.00} in back rental fees for XXXX XXXX XXXX XXXXXXXX XXXX apartments in XXXX XXXX, GA XXXX 
I spoke with XXXX and explained that during to XXXX Mandate, the apartment complex not only locked me out of the ability to pay online because we were late, In XXXX I reported that a lock on one of the windows needed to be fixed. The AC was not working, We did not have AC for at least 3 weeks during the summer of XXXX. The apartment complex continued to harass about the rent but never addressed to maintenance request. In XXXX of XXXX my power was turned off. It took two weeks for me to have the power turned back on by that time the house was full of fruit flies, the refrigerator was full of them it was unusable. Management said that since i had not paid the rent, they did not have to replace the refrigerator. 
Once we reentered the house after the power was turned back on, house was flooded. the pipes in the wall had busted and mold was setting in. After i reported the flood, For 2 weeks we went 2 times a day to catch the water and vacuum up the water. Finally management agreed to come and look at the property. Because i had changed the locks to have 2 locks instead of one, I gave them a copy of my keys. I returned 2 days later to check on the progress of the water issue and management had changed to locks and stated that i had moved out and turned in my keys. I did not. I only moved my furniture because the water was flooding the kitchen, living/dining area, hallway and 2 of the 4 bedrooms, plus there was the broken window lock. Someone had stolen the dryer that was just purchased before all of this happened. 
As I explained to ( XXXX ). I was illegally evicted, i had furniture messed up and stolen. People continued to break into the residents mailboxes. 

When I spoke with XXXX, the charges was on my credit report from the collection agency. I never received a letter notifying me of this collection agency. 
i agreed and began making payments, {$100.00} a month for 2 or 4 months. I noticed that the payments was never changed on my credit report. Therefore, I stopped making payments. I never applied for any consumer credit, with Professional Debt Mediation. 
They have severely harmed my credit by adding this erroneous account to my report.
Product: Checking or savings account

I was a victim of identity theft along with my other co workers. An individual at the job scam myself and other employees at the job. There was a hacking of my XXXX  account. The bank closed my XXXX account without my knowledge and without informing me the reason what happened. After discussing with other employees they experienced the same issues. Some employees accounts were frozen. Now, I am trying to open Checking accounts for myself and my business. All my applications are being denied. Even though I have all the necessary documents. To provide proof of ownership to my business. 

The bank that frozen my XXXX XXXXccess is Bank of America.
Product: Debt or credit management

Year XXXX I received poor services from this company. This company is very dishonest. They charge you a lot of money and are very untruthful about how they will guarantee you that your credit score will increase very rapidly and it's not true at all. This company put me in a bind financially and made things very hard for me as a single father with XXXX children. This company should be punished for its acts. I feel that me and my children deserve those monies back in return. All they do is take your money and you see very small increases in your credit score. Always promoting to find new clients for them sot they can take their money as well. I was paying {$120.00} a month for many years.
Product: Vehicle loan or lease

I am filing a complaint regarding my vehicle purchase from Wheels of Chicago, which has led to serious financial harm due to predatory lending and deceptive contract practices. 

I, XXXX XXXX, purchased a XXXX XXXX from Wheels of Chicago on XX/XX/XXXXXX/XX/XXXXat an inflated price of over {$16000.00}, nearly three times the cars market value. The financing terms mean I will end up paying over {$30000.00} until XXXX, far beyond what I believe is fair. While the signing process of contracts was being conducted, the employee wouldnt let me read every document that was being signed in order to inform me of what was being agreed upon and forced me to sign everything without the knowledge of each disclosure. Below are some issues I have faced since the purchase. 

Key issues include : 1. Excessive Interest Rate : The high-interest loan terms make repayment difficult, which seems to be a predatory lending practice. 


2. Lack of Disclosure : The dealership did not fully disclose the actual cost or high interest associated with the loan, which may violate TILA. 


3. Vehicle Quality : The car has needed repairs since the first day, indicating potential misrepresentation of its condition.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am making a dispute against XXXX XXXX XXXX  XXXX XXXX XXXX XXXX And FIFTH THIRD bank for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from These banks to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.
Product: Money transfer, virtual currency, or money service

The name of this company is Robinhood.. I have an account there that is being closed for reasons I dont know about or would never understand because I am sure I have not done anything against the companys policy. Now that my account is being closed I tried to transfer the balance {$6800.00} in my individual account to my linked checking account but it wouldnt let me. They keep saying my account is under restriction since XX/XX/year> and that has not been resolved yet. I need them to help me transfer the balance on my account to my linked checking account. I have tried several times to reach out to the customer support but no one is there to talk to me, every time I have been met by a robot who just keeps giving me a message that my account is restricted. Please help me as I need this money urgently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Experian/XXXX  Credit Bureau has 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. Below are the items that are reporting on my Credit Reports : EXPERIAN : 1. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX 2. XXXX XXXX Balance : {$0.00} 3. XXXX XXXX XXXX XXXX Balance : {$340.00} 4. XXXX  XXXX XXXX Balance : {$0.00} 5. XXXX XXXX XXXX : {$0.00} 6. XXXX XXXX XXXX : {$0.00} 7. XXXX XXXX XXXX  XXXX Balance : {$0.00} 8. XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$3400.00} 9. XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} 10. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} 11. XXXX XXXX XXXX Balance : {$1700.00} 12. XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX 1. XXXX XXXX Balance : {$0.00} 2. XXXX  XXXX Balance : {$2000.00} XXXX. XXXX XXXX Balance : {$0.00} 4. XXXX XXXX XXXX XXXX Balance : {$0.00} 5. XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX 1. XXXX XXXX Balance : {$0.00} 2. XXXX XXXX Balance : {$0.00} 3. XXXX  XXXX XXXX Balance : {$0.00} 4. XXXX XXXX Balance : {$0.00} 5. XXXX XXXX Balance : {$0.00} 6. XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Late/Closed 7. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} 8. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} 9. XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00} 10. XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00} 11. XXXX XXXX XXXX Balance : {$1700.00} 12. XXXX XXXX XXXX Balance : {$860.00}
Product: Debt collection

Other XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX
Product: Debt collection

I was contacted over 12 times by this company repeatedly and I asked them to cease and desist communication, they contacted me from different phone numbers and left threatening voice messages that they would send information to the Credit Bureau that would effect my credit if I didn't pay or contact them at a certain time.
Product: Debt collection

This company is calling my employer. The phone number is XXXX. They last called on XX/XX/2018 at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have a XXXX credit card that went delinquent XX/XX/XXXX. The account went Charge off ( XXXX  ) XX/XX/XXXX. XXXX reported it XXXX  until XX/XX/XXXX, then reported no data to Equifax until XX/XX/XXXX. This caused Equifax to report " Date of major delinquency reported '' to be XX/XX/XXXX. I have disputed this 2 times with Equifax. They know that because of the incorrect reporting my credit score went down around XX/XX/XXXX. They have stated that they will do nothing because XXXX is reporting it as accurate even though they can clearly see inaccurate information. The decrease in my Equifax credit score has caused me to be denied credit. 
A supervisor at Equifax stated that if someone reports any inaccurate information, the company will always take the lenders information as true.
Product: Credit card

I tried to pay off my Wells Fargo credit card with a non Wells Fargo bank account through their app 's autopay feature on XX/XX/XXXX. This was rejected due to a configuration on the end of the Non Wells Fargo account, and led to a suspension on the usage of the Non Wells Fargo bank account. I fixed this configuration and called Wells Fargo to un-suspend the account. They were able to get this done within two different customer service calls, and said I was good to pay off my account. After this call I was told that I could use my account as normal as long as my issue with the configuration of the Non Wells Fargo bank account was resolved. I paid off my credit card using this Non Wells Fargo account successfully, but the account got re-suspended anyways. I called 3 times and each representative said that there shouldn't be any problems since I was able to pay off my card. I tried explaining that the issue was that the account was now suspended, but each said that there was no problems. I was eventually directed to the LineOfBusinessExecutiveOffice for support, which just redirected me to customer support. It's an endless loop that is tanking my credit score for an issue that I can not resolve myself in any way.
Product: Debt collection

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Also Known As : XXXX, XXXX, XXXX Collection/Charge Off : XXXX XXXX XX/XX/year> {$8300.00} XXXX XXXX XX/XX/year> {$7300.00}
Product: Credit reporting or other personal consumer reports

I am disputing an inaccurate late payment reported by XXXX for XX/XX/2024. I contacted the Consumer Reporting Agencies to dispute this error, but they failed to conduct a proper investigation and have continued reporting the incorrect late payment. I requested verification of the late payment and documentation proving it was reported correctly, but I have not received any supporting evidence. The late payment should not have been reported, and its continued presence on my credit report is negatively affecting my credit. I am requesting the immediate removal of this inaccurate late payment and confirmation that my credit report has been updated accordingly.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX**********XXXX XXXX XXXXXX/XX/XXXX - {$25.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$440.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$480.00} XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$1500.00} XXXX - XXXX - XX/XX/XXXX - {$570.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$570.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$440.00} XXXX  - XXXX XXXX XX/XX/XXXX - {$570.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$480.00} XXXX  - XXXX - XX/XX/XXXX - {$190.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$350.00} XXXX - XXXX - XX/XX/XXXX - {$1700.00} INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX XXXX which I hold no CONTRACT with nor have received services from reported a credit account against my SSN in the amount of XXXX with XXXX, XXXX, and Experian credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The letter was sent at the beginning of XX/XX/2018. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the XXXX pandemic I missed XXXX payments on different accounts because I was not working due not be able to work in my industry. I disputed all three and the have yet to take them off my credit report. Also had covid 3 times and missed work.
Product: Debt collection

I had been diagnosed with XXXX XXXX in XXXX. I was receiving treatment and paying my bills as they would come. I fell behind on the larger bills that were a product of XXXX, Procedures .... etc. I began to receive phone calls from the same number every day for a couple of months. They would leave a message each time stating their name and that they work for PMS Progressive Management systems Collection agency XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I was not aware of any outstanding debt that was actually sent to a debt collector. I finally called them about 2 months ago to figure out what was going on after my credit report had been hit two separate times for unpaid medical bills. I was confronted with a zero-tolerance attitude towards working with me and possibly settling the debt with a lower number. I simply can not afford to pay the full balance at once or over time with my current auto-pay for my other XXXX bills. PMS told me they are not allowed to settle and threatened to continue hurting my credit unless the balance was paid in full. I requested a document to be mailed that explained in an itemized list what I owed in full due to the balance changing every time I called. The document that eventually showed up was a spreadsheet with random numbers on it that did not match up to what XXXX XXXX had sent with my remaining balances. I just recently received an additional letter from XXXX XXXX. XXXX XXXX XXXX of PMS that stated " It is necessary that you immediately send payment in full or contact me at once to conclude this long-overdue account '' The format once again for this letter was suspiciously formatted and had a threatening tone. This situation has caused me great stress and trauma and I am seeking mental health treatment as we speak. This company has repeatedly taken a threatening tone with me never truly explaining to me through an itemized receipt what is actually owed. XXXX XXXX was completely out of line to send this last letter and I feel like I am being bullied/backed into a corner with no way of continuing my XXXX treatment and paying this company so they can make a profit from my XXXX