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

I went to Wells Fargo to open an account I was told I needed my updated license to open the account. I left and decided to wait until I was able to get my new license in the mail to come back, an open an account. 5 days later I received information in the mail saying I opened up a new account and that was not correct. Yes I had everything when I went there besides an updated license my license was expired. We did go through everything but was told I would have to come back once I get my license renewed. As you can tell I never used the account because i never opened one. The fraudulent account is the worst you can do to someone without their consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right 15 USC 1618 section 602 States i have the right to privacy 15 USC 1618 Section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as fot late purpose
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and I am aware of my rights laid out by the FCRA in 15 USC 1681. Additionally, Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies within consumer files. 
Please re-investigate the below accounts validity within my consumer report that you maintain under my name. Please update these accounts to reflect complete and verified information. There are late payments that are erroneous and not matching up. I was never late for these payments, Please delete this inaccurate account if it can not be made complete and verified. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX These Laws Clearly state : Under XXXX5 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 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.

Standards established in the credit industry help ensure integrity of data and uniform communication between ALL credit-reporting agencies.

I have attached the erroneous account ( s ) in question. This account needs to be DELETED IMMEDIATELY OR UPDATED TO PAID ON TIME NEVER LATE, AS I WAS NEVER LATE FOR THIS ACCOUNT. Failure to do so

may constitute willful non-compliance in this matter. I have experienced great emotional and financial hardship over these illegitimate late payments as it has inhibited my opportunity to refinance one of my mortgages amongst other things. Please complete this erroneous, inaccurate information
on my credit report to PAID ON TIME NEVER LATE OR DELETE within 30 days of your receipt of this notice of dispute if this information can not be verified through your thoughtful and fair re-investigation. Please send me your results and update my consumer report accordingly. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, A US Marshal Imposter called me about a Supreme Court case in Texas against me on money laundering and drug trafficking. He said my case will be up in the court in 4 and a half hours. He said some of my personnel info. I started believing. He was on the phone with me for several hours. He convinced me to do an international wire transfer of {$46000.00} on the basis of he is working to clear my name on all the charges against me. He said this money goes to a custodian account which is linked to the US Embassy in XXXX. And promised to transfer the same amount of money back on my account the following day after clearing my name. He said If I don't do that, the US government will freeze my assets and arrest me and taken to Texas. 
I don't have any charges against me. I was scared someone is using my name to do criminal activities. 
I drove to the XXXX XXXX XXXX ky ( XXXX XXXX Branch- XXXX ) to do the wire. It was posted at XXXX XXXX. Its destination is XXXX XXXX, XXXX, XXXX, XXXX. 
Beneficiary - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX But I felt suspicious and called the bank at XXXX XXXX  to Cancel/Recall the transaction. 
XXXX XXXX  did put a recall in the transaction. 
Recalling/cancellation started within 1 hr 40 mins. 
I filed a complaint on XXXX at night. I was told the FBI called the XXXX XXXX about it the following day. 
I was told the wire went to the Chase Bank for Intermediary banking purposes. 
I didn't want my hard-earned money to end up in criminals ' hands. 
Despite it was flagged, I don't know why Chase Bank sent the funds to the beneficiary bank, The latest update - Chase bank had requested funds back from XXXX XXXX  XXXX. 
response from Beneficiary Bank - Don't know yet. 
My payment disclosure says funds will be available to pick on or before XX/XX/2020. 
Cancellation - I can get my funds back if the funds not deposited on the beneficiary account or not picked up by the beneficiary. 

I have a strong feeling that the funds had not gone to the beneficiary bank in 1 hour 40 mins. 
But Originating Bank ( In this case XXXX XXXX  ) does not have the traceability to track the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The account status, date opened, high credit, credit limit, last reported, date last active and date of last payment are NOT 100 % accurate. 

See pages 22, 23, 26, 27 of the attached credit report as evidence. 

XXXX Account Number : XXXX XXXX  Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score doesnt reflect true score
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom XXXX : I've tried to correct a bogus address on my XXXX credit score numerous times thru the XXXX XXXX XXXX agency reporting system. They consistently state I need to contact some lender however never state who nor do I know the origination of how the address became attached to my account. I've lived at the same address for over 40 years however they wont get off the dead XXXX 's and help correct the problem. I believe they have an out right obligation by law to do so as quickly as possible with out hesitation however they fail too react until I complain to the FTC as I have before regarding inaccuracies. Please help me get the message across when a consumer identifies an issue its their obligation not mine to correct it. I look forward to your prompt return response and full resolution regarding this issue. I'm also requesting to be provided my free full and accurate annual credit reporting score. 
Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To let you know that I've become a victim of identity theft, I'm writing to you. I learned that without my knowledge or any connection to me, personal information, including inquiries, had been published on my credit file. Please help me remove these items from my report immediately. According to FCRA section 605b, the credit bureaus are required to remove or restrict any information mentioned on an identity theft report. I have provided certain documents to help in the blocking of the fraudulent information that are being posted on my report. 
EMPLOYER : XXXX  XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXXXXXX XX/XX/XXXX
Product: Prepaid card

On XX/XX/year>, I was unable to use my gift card on a reputable retailer 's website XXXX XXXX XXXX XXXX XXXX  because there is no Name assigned to the card. I logged into the gift card website to check the card info, but there was nothing about the Name on the card. I called the gift card support number, but the phone tree system would not connect me to a human operator after I listened to the recorded FAQ and heard nothing that helped me learn what to put in the Name field that would be accepted by the online payment processor. I searched online for solutions and found that some people were able to add their Amex gift cards to their XXXX account. This would have been an okay solution for me, but XXXX will not let me add this card because it does not have my Address registered to it. As I had just checked both the website and the phone support, I knew that there was no Address information to be found in those locations, either. With both the Name field and the Address field being unknowable to me, I can not use this card as intended for my online purchases.
Product: Debt collection

The account in question is XXXX. 
I sent a letter to the company requesting more information on the debt. I have yet to receive information in regards to this matter. 
I'm concerned because my last name wass not XXXX and my address is not on XXXX XXXX, as it shows on the bill, but that's showing up on my credit reports. 
I am requesting that the company sends the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Navy FED at XXXX on XX/XX/XXXX to inform them of unauthorized inquiry on my consumer report., they didn't fulfill my demands to delete the inquiry. I sent to letters certified mail to XXXX ( Tracking ID : XXXX ), XXXX ( ( Tracking ID XXXX ), AND XXXX ( Tracking ID : XXXX ) to inform them of my privacy being infringed upon. The big 3 consumer reporting agencies would be held civilly liable as well. There are some inaccuracies being reported on my consumer file and all companies involved have been put on notice by me. 

By obtaining my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, NAVY FED is also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I have not initiated any transaction with NAVY FCU ( Finance ). Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) NAVY FCU ( Finance ) for review or Collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Credit reporting or other personal consumer reports

I was involved in the Equifax data breach they did nothing I received no compensation even though I filed three separate claims I have disputed things on Equifax and XXXX XXXX because my whole identity was stolen to the point that someone has filed income tax in my name they have used my health insurance they have open bank accounts I have asked experience Equifax and XXXX XXXX all to open disputes Only to find out that none of them did anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank has chosen this portal to intimidate me for their inability to provide a contract bearing my signature obligating me to pay the charge offs they are reporting on my CRs. Instead Chase Bank sends me receipts and checks WITHOUT my  signature verifying the account. Against the law. Chase Bank did not indicate Dispute on my CRs 30 days after the original dispute letter dated XX/XX/2018. Violating FCRA. I am requesting that you enforce Chase Bank XXXX and XXXX   and XXXX to investigate and report in accordance to the guidelines of the FCRA.
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and I found out billing errors. The involved Bureau clearly violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error )
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX  XXXX {$520.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$420.00} XXXX XXXX XXXX {$630.00} XXXX XXXX   XXXX {$880.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX & XXXX XXXX  XXXX {$17000.00} XXXX/XXXX XXXX {$650.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1600.00} XXXX XXXX {$140.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$490.00} USDOE/XXXX   XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} USDOEXXXX XXXX {$7900.00} XXXX  XXXX XXXX {$300.00} XXXX XXXX XXXX {$620.00}
Product: Credit card or prepaid card

Please reference case XXXX. Although your office has closed this case it is obvious no one has seen to the matter I delineated in my complaint. The gist is that Capital One has repeatedly ignored my the substance of my correspondence with them. I need PROOF that I agreed to XXXX XXXX XXXX 's terms at the time I became a subscriber of there service. That is they must provide a dated signed copy of the contract I entered into that allows them to keep the entire months fee rather than prorating that fee based on my cancellation date. This has been ignored REPEATEDLY. The last thing I received was a few pages that XXXX XXXX XXXX supplied that they think is sufficient. It is not. There was NOT the signed copy of the contract I require. It appears they sent a copy of the last bill they sent me along with a few assorted pages. ALL OF THE PAGES received are COMPLETELY UNREADABLE! Please review these pages and you will see just that that NO ONE could possibly read them. Therefore I have not received any justification for XXXX XXXX XXXX to attempt to charge me the entire months fee. As I have pointed out to you previously Capital One simply passes on this eyewash and denies my dispute. In addition as I've since seen on your website Capital One is banned from charging fees/interest in this dispute, but as of today XXXX XXXX they are doing just that to the tune of {$74.00} thus far. Someone needs to get their attention! I have been way more than reasonable in this matter. I have spent hours on the phone with Capital One, composed letters, emailing these letters at least 4 times. I was informed these emails were not forwarded to the dispute resolution team as they should have been so I again submitted my documentation, this time through their inconvenient " link '' process. Again, no one will address my issue at hand. How can these corporations be allowed due business in this manner?? Why is it that a convenient email can not be used to communicate with them.? It is obvious that they throw up as many roadblocks as possible to have someone " just give up ''. So, I am again requesting that your office make Capital One and XXXX XXXX XXXX do their jobs and provide me with the proof I require or admit that their claim is invalid. Please, please, please spend the time required to ensure they do just that. Thank You Very Much For Your Time
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by Hurricane Harvey and XXXX XXXX allowed to have two months of  lease payment put at the end of the lease. They have reported to credit reporting as 60 days late on both of the XXXX XXXX that are in my name. I have never been late and I have been trying to resolve this since XX/XX/2017. I am buying a house and due to their error it is affecting my credit score and making me pay a higher interest rate
Product: Mortgage

During the month of XX/XX/2018 I started seaching for a new house and was referred to TD bank by an employee I know. He specifically referred me to a loan officer. During the Month of XXXX I submitted an offer for the house I chose for $ XXXX which made qualify for a promotional rate of 4.5 % with 1/8 of a point, which I locked. 
A week and a half after, the appraisal came at $ XXXX. Since the offer was contigent on appraisal, I offered the owner $ XXXX, which he accepted. The loan officer mentioned that he might not be able to keep the same rate and the rate would be higher. However, the following day he stated he got an excetion to keep the original rate in order not to have to re do everything. Following that, I received the lock rate agreement with the same rate 4.5 % with 1/8 of a point for the new amount to be financed ( $ XXXX ) based on the new sale price of $ XXXX. 
During the month of XXXX, I received a new lock rate agreement for the $ XXXX with a higher rate of 4.875 with 3/8 of a point. I believed that was a mistake since the loan officer had stated he was able to get the original rate, so I did not sign it. 
Closing had been set for XX/XX/2018. On XX/XX/XXXX I received the Closing Discloure draft and it had the higher rate ( 4.875 with 3/8 of a point ). I inmediately raised the discrepancy to the loan officer and he said that he had not send the initial lock rate and asked me who had And I forwarded the informatikn to him. He then replied that the person was out of office and that he would check the next day. On Friday he said that bank would not change anything as that was the rate ( which was not the one I had signed ). On monday, XX/XX/XXXX I contacted him and his manager to request an escalation of this issue. Closing date came ( XX/XX/XXXX ) and I did not hear any update from any of them, and was left with no option than to sign/ close under duress as I did not want to lose the house and risk any additional financial burden. 
Two hours after closing, the loan officer called me and asked me if I would consider a rate change to 4.625 %. I replied via email stating that I did not think that was fair as it was a higher rate with 3/8 of a point which I paid at closing. 
I was told that the team were reviwing the issue. It was not until Monday, XX/XX/XXXX when the loan officer emailed me claiming that since I had agreed verbally ( which is inaccurate ) and viewed the second lock rate ( which I did not approve as it was not what the officer had mentioned ) the bank will not proceed with any changes and would only refund the appraisal cost and underwritter fee. To me that is not a fair outcome and I had no option but to state that if that was the final outcome of the investigation I have no option but to accept it. I also mentioned I did not feel it was fair as I am sure the investigation revealed many gaps in their internal processes which created the confusion and instead resolving them they are taking the easy and unfair resolution which is to penalize the end user
Product: Credit reporting

I applied for a credit card with Best Buy to buy a washer and dryer with 0 % financing. I calculated my monthly payment and made my first one and set up an auto deduction from my bank account. However, they never sent me the actual credit card and they never implemented the autodeduction. I called multiple times to get the credit card, they never sent one. They also never notified me that they were n't taking the monthly payment for my debt. After 3 months I finally receive a letter indicating that my account is closed and they 're reporting me to the credit bureau. I had perfect credit until this time. We sorted out that they had failed to properly implement the auto deduct and I immediately paid them what was needed. Even after acknowledging their mistake they refused to remove this info from my credit report. My account has been paid in full and I owe them nothing, but my credit was severely damaged. Can you help get them to take it off my credit report?
Product: Credit reporting or other personal consumer reports

I took out student loans through XXXX while I was in college for my Bachelor 's and for part of my XXXX XXXX XXXX. The student loans on my credit report were correct until recently. I knew XXXX changed service providers as I got a notice of this on XX/XX/year>. I recently had my credit pulled for a XXXX XXXX XXXX and it is showing duplicated accounts of my student loans. After researching online, it is a known issue that many consumers ended up with duplicate records on their credit report. ( https : XXXX ) I am now in the process of attempting to get this corrected so I can be approved for my XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have my money in my account with Td Bank when I went to do transaction the Bank told me they have XXXX the money to unknown person that I have no idea.The Bank have the nerve to tell me is not Bank error and I should tell the loss and be quiet.I have all efforts to get my {$300.00} refunded but the Bank TD Bank have refused since XX/XX/21.