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

Ok I believe I was involved in a scam..my account was closed due to a company who is holding my girlfriends inheritance money. This company was to deposit money into my account. They abused my account by 1. Submit a loan application without me knowing. 2. Changed phone number on my account so I couldn't get verified when calling my bank. 3. Put a pin on my phone app so I couldn't sign I'm. And 4. Was reported on my account for " suspicious activity ''. So the day I got paid, XX/XX/XXXX, I went to XXXX to make a purchase got denied twice. So I call my bank and then was told my account was blocked due to the activity. Was told account would go through a review. I called couple days later to check, was told account will be closed in 30-60 days and then I would get my money. I am a 100 % service connected veteran. My XXXX pay and SSXXXX pay are sitting in that account. I have no access to my money. Zero. My rent is late, supposed to be getting my eviction notice in mail. Let me tell you, if faced with being homeless, I have let it be known I will kill myself before being homeless. That is XXXX 's honest truth. I have bills to pay, groceries to buy, I'm having to start panning my possessions to turn my phone back on pay some bills locally. I will have to go pawn more in a day or so. This is not an acceptable way to live. I need my XXXX money! Or I will die period. Please help me...
Product: Credit reporting or other personal consumer reports

Despite my efforts in sending multiple letters, the reporting companies have all refused to remove the unauthorized inquiries that were reported on your credit.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, Transunion, and XXXX for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>2024, I filed a dispute with TransUnion regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA.

The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered.

2. Failure to Address 1099-C Non-Issuance by a Collection Agency : Account Name Account Number XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Key Violations : 1 . Failure to Conduct a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested.

o The use of E-Oscar resulted in an inadequate and incomplete investigation.

2. Failure to Provide Details of Investigation : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o XXXX, XXXX, and TransUnion continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.
Product: Debt collection

In XXXX of XXXX mutually agreed upon and signed terms for opening Credit Card account with WELLS FARGO BANK N.A. Agreement included binding arbitration agreement. 
Ultimately credit card payments lapsed and card was no longer used. In XX/XX/XXXX, WELLS FARGO BANK N.A. mailed a complaint of lawsuit to my address. In reponsing to Complaint I referenced to XXXX clause of the contract we both signed. I was imnformed Wells Fargo Bank would not participate in XXXX at all. I further reminded Wells Fargo Bank that collecting the balance was time barred as more than XXXX ( XXXX ) had passed. Being a widower on a limited and fixed income I repeatedly sought mediation to resolve the matter with some degree of sensitivity without deminishing obligations. 
Every request was met with threat of legal action to seize the little funds I have and ruin my credit record with the refusual to resolve the matter through thrid party arbitration. 
The contract requires arbitration, The debt is time barred by statue of limitations, the contract by Wells Fargo Bank selectively creates an unequal landscape favoring the Bank and disadvantaging the consumer, barring access to justice and equity creating an abusive and unjust dynamic. XXXX is a level field they refuse to participate in.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are unauthorized inquiries please check letter attached
Product: Debt collection

Moved to XXXX XXXX  in XXXX after husband left and lost home.Never late on rentXXXX yr there advised no lease needed.chance to move closer to job so moved XXXX.Left earlier than I needed to and didn't even ask about return of deposits because nobody ever in office.This year I needed to buy car and found instead of no credit I had a collection on my report from apts for XXXX $ ( XXXX rent ) never got a phone call, mail ect..advising me that they thought I owed this ( especially leaving all deposits ) same job for XXXX so easy to find.i do not owe this and was never aware of debt collectionXXXX XXXX XXXX XXXX. XXXX TN XXXX XXXX rent debt auto collection. Acct XXXX XXXX date opened XX/XX/XXXX is on credit report.i paid everything with money orders because of husbands behavior so no receipts after 3yrs
Product: Credit card

My Barclays XXXX XXXX was closed without any prior notice and without any reason whatsoever. When I called I was told that my heavy usage caused it to be closed. Barclays was being deceptive with their business practices in promoting a credit card with rewards and asking me to put all my spend on it to create more points and then shutting down my account with no prior notice and not allowing me to redeem my rewards. I believe that 's not the way to treat a costumer you lured in with false promises.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. XXXX XXXX XXXX was Removed and deleted off all three credit bureaus and now theyre reporting a new account with a new balance on XXXX XXXX and Transunion XXXX I already requested a proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. I never received it. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has been reporting incorrect information on my credit report, this account has been paid since XXXX, but they just reported the highest delinquency date as XXXX. As you know, the Fair Credit Reporting Act ( FCRA ), as described in 15 USC 1681, requires that I provide accurate information about my account.
Product: Checking or savings account

hi, i tried to withdraw {$800.00} from my account atm dispenser XXXX XXXX did not dispens the money call wells fargo called immediately to report the problem but no help from wells fargo side i know they have camera and they could count there money to make sure im telling the turth but no help from wells fargo side at all please i need help
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting around   XXXX   XXXX   I 've been attempting to pull my annual report from Experian via  XX/XX/XXXX      Since then, I have been unable to pull my report. Every time, I get an unspecific error message about " a condition exists ... '' that prevents them from giving me an online report. The fact that this error has persisted for nearly a month is unacceptable and needs to be fixed.     Please work with Experian to fix this " condition. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX  wells fargo student loans. They have marked me down for a 60 and 30 day late when this was reported incorrectly. I talked with the agent back in 2013 but was not successful. The loan was paid off and they still reported it 60 day and 30 late. This is very incorrect information. 

XXXX XXXX
Product: Credit card

I hold XXXX accounts with Synchrony Bank. XXXX are XXXX XXXX XXXX. They closed XXXX out do to non and never even sent me notification. All my accounts are in good standing and not once was I ever late with any of my accounts. DEALING WITH THIS BANK IS EXHAUSTING, TIME CONSUMUNG, UNSOUND BUSINESS PRACTICES, No one knows what they are doing. XXXX agent is proving me a phone number to send request a subpoena! This company takes XXXX accountability for their incompetence, unsound business practices, negligence, the lack of knowledge the people this bank hires. 
I email XXXX XXXX who is a high official at Synchrony Bank thinking this would help me resolve the issues I did not create and brought this to his attention and my emails went ignored until I added XXXX XXXX who is the former CEO. Now XXXX XXXX. 

I was very detailed and provided ample proof to XXXX XXXX by email. My emails were not taken seriously and ignored. I called XXXX XXXX in the " office of the president '' There is no office. Everyone works from " home '' XXXX XXXX never looked into my valid concerns. I even left her a voicemail with my account numbers. She tried to lie and finally admitted she did not look into anything. It is horrible that I am going through these matters. I spoke to endless people. I applied for a Lowes card and a XXXX XXXX showing I was approved and my credit was pulled which I was aware of. My credit was pulled XXXX times not twice with XXXX. 

XXXX XXXX from XXXX extension XXXX. She never left her extension. That was another job in in itself. XXXX advised to file the banking complaints, She did not want to assist nor look into any matter. This is unsound business practices, I assure you I have all my evidence and digital foot prints. I will seek a consumer lawyer for there dangerous business practices and putting me at risk. The calls show that. the evidence show that. This will not be tolerated as I did not nothing wrong and accountability needs to take place. They did not even have my correct address. My unit number was not listed. I have accounts with the same address, phone number. These people are careless and commit so many violations. IT JUST HORRIBLE. I TRIED TO RESOLVE BY CALLING AND BEING TOLD WE WILL RUN YOUR CREDIT AGAIN. NO ONE KNOWS WHAT THEY ARE DOING.
Product: Mortgage

We are dealing with CCO Mortgage in XXXX XXXX. VA. We are in our XXXX month of trying to get a loan modification, which they told us we are eligible for this and that we also are eligible for other programs. We filled out paperwork and sent forms over and over maybe XXXX times and we are told that they do not have forms and that we are in default because we did not comply on time. We can document and prove that all paperwork has been sent many times. We want others to know that they are also dealing with a company that is not certified by the XXXX.
Product: Credit reporting or other personal consumer reports

Transunion was notified that the account XXXX is inaccurate and failed to correct or verify this account. They are that this account was charged off, but also report that the account was 100 % paid off. This is clear violation of the FCRA. There is no way that an account can be 100 % paid off and reporting as a charged off account. Transunion 's credit reporting is not credible and a further example of defamation of character which I can sue your company for. Furthermore, I contacted the creditor XXXX XXXX, and they could not verify the information reporting. I sent a letter XX/XX/23, and this inconsistent information persist. Being that I have tried to remedy this problem and it has been 8 months, I will be seeking legal action if this account is not removed. I am requesting that XXXX stop reporting for obvious FCRA non-compliance of inaccurate data furnished on the consumer report. Per 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation for not reporting 100 % accurately and should be removed from my credit report immediately. I have attached my credit report to show the discrepancies as well as my dispute letter, which is dated, and time stamped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a vehicle in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I no longer could afford vehicle and it was repossessed with all my belongings and license plate which I ended up getting a flag for because I could not get license plate and company sold vehicle and never turned in license plate and it accumulated a toll fee in XXXX texas because they drove through tolls with my license plate still attached to vehicle and they marked the loan on my credit as a charge off with a balance XXXX the finance company is XXXX XXXX and XXXX was updated XXXX XXXXwhen I contacted them several times to update the balance to {$0.00} or delete all together because the vehicle was sold and they recieved a 1099 c from irs which means they received a tax credit so they should no longer collect from me and the irs so o feel as should they update that balance to {$0.00} and they refused and even contacted Experian and they not doing anything
Product: Credit reporting or other personal consumer reports

I remember that I filed XXXX XXXX bankruptcy back in year of XX/XX/year> and I was discharged in XX/XX/year>. I thought that I can by property and start my own business 2 to 3 year after bankruptcy discharged. When that time came to tried to make big Purchases for the quidment that I need for my business and I was trying to get a home load. After I tried, I was rejected because of my bankruptcy is holding me back.
Product: Credit reporting or other personal consumer reports

Invalid hard inquiries reported to my account EXPERIAN XXXX financial XXXX, XX/XX/2025 XXXX XXXX  : XX/XX/2025 XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2025 XXXX XXXX TRANSUNION XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX I was a victim of the XXXX data breach and all inquires stated above are fraudulent and want them removed from my credit profile. Thank you for your time.
Product: Credit card or prepaid card

On or about XXXX XXXX, XXXX I was solicited with an offer for a XXXX night stay at a XXXX XXXX XXXX in exchange for listening to a XXXX XXXX hour timeshare presentation based on interest. To confirm this deal they charged my credit card {$270.00} that was to be returned to me in cash when the presentation is completed. They confirmation e-mail after payment was made for this deal stated " approximately '' XXXX to XXXX hours. 
This stay took place XXXX. The presentation was on XX/XX/XXXX started at approximately XXXX am. During this presentation an employee of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX took me a golf cart ride around the very large estate of XXXX XXXX XXXX. At XXXX a.m. we were nowhere near the starting point where my car was parked. When I asked for the presentation to end and be brought back I was told I must continue for at least another XXXX minutes because he did not finish closing me and he refused to return me back to my car, refund my {$270.00} and then they even billed me for the XXXX nights! Even according to XXXX XXXX XXXX XXXX XXXX inaccurate records I was there for over an hour which should still be enough to qualify. 

When I contested this with the credit card company XXXX XXXX XXXX ( Chase ) they decided I was responsible to pay. I didn't find out until later that turns out that XXXX and XXXX XXXX XXXX XXXX XXXX XXXX have a business arrangement with each other and XXXX can not possibly be a honest entity to decide if their business partner has been dishonest in their business dealings. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I would like to point out I have a very long history of paying all my bills on-time and in full. My score was in XXXX 's where in belongs before this incident. I continue to pay 100 % of all my other purchases with all my credit cards.
Product: Debt collection

I am not familiar with this company. I have never done business with this company before. I have never signed any contract nor taken out any loans from this company. What they sent me was proof of loan from XXXX XXXX bank. Which was charged off back in 2020. Due to financial hardship because of Covid-19. I have also sent them several cease and desist letters Which they have felled to acknowledge. Ive also asked them to credit my credit report by removing the negative remarks.
Product: Debt collection

There is a debt collection on my credit report from Quantum XXXX XXXX XXXX XXXX I have no knowledge of this account and don't have anything to do with this account. 

Overview You have 111 % left to pay on this collection. 
Balance {$2500.00} Highest Balance {$2200.00} Opened XX/XX/2018 ( 1 yr, 10 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original Creditor Name XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received an Inquiry from JPMCB Card. And I already reported it to the Credit Bureau. They had no right to pull my credit and I never applied for anything from that bank. There was no permissible purpose and is a violation of the fair credit reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT BEEN ABLE TO GET XXXX XXXX, XXXX OR EXPERIAN TO MAKE THE CORRECTIONS TO WRONG ADDRESSES AND NAMES ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Hard Inquiries : I wrote XXXX dispute letters also online dispute to all three credit bureaus in XXXX & XX/XX/XXXX in Temp to have them fix these errors or remove the entire inaccurately late payment of my credit file but it was a failed attempt, I reached out to CFPB to help me with this matter. 
I do not give any authorization to any creditor to run my credit nor was I looking for a credit card or loan. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX As for late payment, this payment is current and has been a consumer report to update the information. 
XXXX XXXX XXXX. 
XX/XX/XXXX {$480.00} monthly Auto payments. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX, are currently on terms with the leasing agreement. 

XXXX : Account XXXX was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan with Santander USA is a closed account, but it is still reporting months late, reporting it is a open account. It's a collection account, still showing pass due amount. Showing current dates that the account is active, but has been in collections for year 's. Contacted company and nothing happened. This should be removed from my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX went into my account and fraudulently changed my positive account to negative.
Product: Mortgage

Went thought USA Morgtage and DAS Acquisition underwriter at the last minute on last wednesday stated I need addition document of employment. My loan officer I have no issuse with its the underwriter of my VA mortgage put me and my family is a really diffucuilt sitution and loss hope and uncertaintly of using this house that the underwriter went though all the stages and getting our hopes ups, and making my family possibility becoming homeless over this sitution. Making our family think we got to pay all these inspections, apperaziles, and other paying all these fees. My finicial coach adivised me to contact you over this issuse. My name is XXXX XXXX my email is XXXXXXXXXXXX and my cell phone # XXXX and my wife name is XXXX XXXX here contact are email XXXXXXXXXXXX and cell is # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX  : I am requesting affidavit forms to be sign and notarize by a senior XXXX  verifying my signatures that willfully comply with authorization to furnished a credit reports, files or consumer reports on my behalf. I did not give Transunion, XXXX  or XXXX  (  consumer reporting agencies and bureaus ) consent to allow creditors to used a statistical tool to evaluate information associated with extending credit to me. In pursuant for a creditor after the credit report is assessed, I did not give consent for TransUnion, XXXX  or XXXX  to create a report or file to fulfill the creditor 's actions. In pursuant of the score is calculated as a result of data processing activities performed by TransUnion, XXXX  or XXXX, I did not give consent. In pursuant to scores are calculated on upon the request of a creditor, I did not give consent to TransUnion, XXXX  or XXXX  to create a report or file to furnish to creditor or alike. I did not give TransUnion, XXXX  or XXXX  the consent to create a credit history information in my credit report or file, including the inquiries, outstanding balances, number of accounts, age of accounts, etc.. to calculate a score. These credit reports or files are FRAUDUENT. Because, I did not give any written consent to disclose any of my financial transactions, medical history and any information regarding a credit  score. No consumer reporting agencies or bureaus shall use any false, deceptive or misleading representation or means in connection with collecting any debt. TransUnion, XXXX  and XXXX  falsely claim to have authorizations to create credit reports and files. TransUnion, XXXX  and XXXX  shall refrain from acting aggressively to report negative information to a consumer 's file and report due to a fee and mutual agreement with the creditor. I will like for you to reinvestigate and send me the requested affidavit ASAP.