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

I initially disputed inaccurate information with the credit bureaus and Im assuming they reached out to TD AUTO FINANCE about the information I provided. Theyre violating my FCRA rights by continuing to update inaccurate information. Theyre reporting 3 repossessions and also have different balances on credit reports. Theyre also have a repossession for the month of XXXX and a payment was made for that month. They also failed to report my last payment in XX/XX/2022 but reported the repossession and repossessed my vehicle within a week after I paid them. Theyve also reported an auto loan on my credit report which is inaccurate. Proof that its a retail loan will be uploaded.
Product: Credit card

I purchased a XXXX from XXXX in XX/XX/year>. The item was missing major parts so they arranged for a pickup/return. 

I returned the item and XXXX was not refunding the money. I disputed the charge with Chase and the charge was reversed in XX/XX/year> Then Chase Rebilled the charge in XX/XX/year> without my knowledge and consent and for no reason. 

I have faxed several disputes and made many phone calls an no one will reverse the rebill. This is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Hello. I've reached out about accounts on my report that are illegally being reported. These accounts include negative or adverse information that I am requesting be permanently remove the following accounts. These companies, XXXX, Exuifax and XXXX have failed to provide me with the contracts with my signature to verify that the these accounts belong to me. 
Also inclouded will be inquiries that I have no connection with and not doing any business. These inquiries are causing negative effects to my credit profile and I wish to also have them removed. 
I am including photos of my identification so that any incorrect information including wrong addresses and incorrect names. 
Closed accounts : 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 Laws connected : Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ).

604 ( 15 U.S.C. 1681b ).

604 ( a ) ( 3 ) ( D ) ( 15 U.S.C. 1681b ( a ) ( 3 ) ( D ) ) ;
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit 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
Product: Credit reporting or other personal consumer reports

XXXX. XXXX, XXXX. {$15000.00} closed my account after taking my securities. 
XXXX. XXXX XXXX  inquiry from the automobile dealership that I didn't give them permission to run my credit through these banks/ lenders. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX inquiries that have been reported on my credit report that also doesn't have my permission to be on my report. also, this car dealership gotten my securities without me getting any compensation which is also fraud to run my securities under multiply bank without my knowledge or permission. 
XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX XXXX inquiries that reported on my credit report without my permission and also did fraudulent these such as took my securities. 
XXXX. XXXXXXXX XXXX XXXX XXXX00.00} a collection that is inaccurate that doesn't associate with me anymore that i already paid for.
Product: Debt collection

I've recently received a letter with an enclosed Notice to Judgement Debtor along with a Summons and Order of Garnishment. This letter is coming from a company named Messerli/Kramer & states that the Original Creditor is XXXX XXXX XXXX XXXX. I am unfamiliar with this bank as I have lived in NE my entire life. I personally have not had any loans, credit cards, etc for well over 10 years. I have no knowledge as to what this is all about and am asking that something be done regarding this. I just recently started working after our youngest got into school full time, but I am only working a part-time substitute position. My parents receive harassing phone calls for me, which I am assuming is from this Messerli/Kramer as well. With regards to this XXXX XXXX XXXX XXXX, I have been doing some research on them and have found that there had been a lot of fraudulent activity happening within their organization. Messerli/Kramer has been causing Hard & Soft inquiries to my credit, which I have finally started to get improved over the years after filing bankruptcy.
Product: Debt collection

I recently looked at my credit report coming from XXXXn XXXX it was good than I looked again in XXXX a collection agency said that on the date of XXXX I owe the amount of XXXX something dollars as I was XXXX  and the account was never mine so its a fraudulent account .. Ive reported it to XXXX as fraud and XXXX also tried XXXX no prevail. The XXXX files Ive included was my sentencing date XX/XX/XXXX the date I was took to jail XX/XX/XXXX date of sentencing and my release date XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX I received multiple phone calls from my bank stating someone was attempting to transfer money in amount of XXXX dollars using the XXXX feature. It didnt sound right so I hung up on them and immediately called my bank fraud dept and told them this and to please freeze my account and do not allow any money to transfer out. They transferred my savings into another account in correct amount. I thought I was safe. The next day the transfer went through. This amount put me well over the actual limit that is allowed for the mos. I believe a Wells Fargo employee could be involved with this. No one can explain to me how this happened and my bank is refusing to refund my money. Wells Fargo is not protecting my money.
Product: Debt collection

The Company is LVNV funding LLC has a mistakrn credit report against me. For the amount of {$2200.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX  These report are not my doing and want them removed from my report
Product: Mortgage

Approximately 4 months after purchase a new home and receiving a first mortgage loan, I attempted to " recast '' my monthly mortgage payment by making a large payment of principle ( {$60000.00} ) and a recast fee ( {$300.00} ) in accordance with my loan documents. The recast request along with my payments were made on XXXX/XXXX/16. The recast has not been processed to date despite my numerous inquiries. Now the mortgage has been assigned to another servicer on short notice ( approximately 15 days ), again without any acknowledgment of the recast being completed. In calling the current ( and soon to be former ) servicer I have been given a variety of excuses and promises on the progress of the recast. Being able to recast the loan and adjust my monthly payments without a prepayment penalty ( once my prior home sold ) was part of the inducement in doing this loan and the failure to do so appears to be a material misrepresentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical bills being reported under {$500.00}.
Product: Debt collection

Got behind on my credit card, got put into a program with XXXX to pay off my credit cards. Wells Fargo has received written communication about that and I have updated all the info to use them online. I get between XXXX-XXXX calls a day from this number ( Wells Fargo ). This has been going on for a month and it is abuse. Do not contact me anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.
Product: Student loan

I was contacted XX/XX/XXXX by this third-party program called new education relief that asked for fees in return to do a total loan forgiveness on my student loans. They sounded very legit. They stated that all I had to do was make four easy payments of {$160.00} and then after that for two years, I would be paying {$19.00} a month and then after the two years, my full student loan would be forgiven. I have been making payments to this program since XX/XX/XXXX. 

Now, XX/XX/XXXX, I then recently started to receive letters from ED Financial services from the department of education stating that Im going to have to resume making payments to my student loan again starting XX/XX/XXXX. So I called ED Financial services from the department of education and they told me that this third-party program ( New Education Relief ), that Im working with for the total loan forgiveness is a scam. I tried calling New Education Relief and I dont get an answer. I cant get a hold of anyone.
Product: Credit reporting or other personal consumer reports

Hello, I have recently obtained a copy of my TransUnion, XXXX, and XXXX credit report. It showed a credit inquiry by your company that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on file unless I have given you express authorization. Please REMOVE these inquiries from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit. 
I need your prompt response to this issue. Please be so kind as to forward me documentation that you have already had the unauthorized inquiry removed. 
However, should you find that I am remiss and that you did have my authorization to inquire into my credit report then please send me proof of this fact. Also below is a copy of identity theft report and credit report Thank you very much. 

XXXX XX/XX/year>
Product: Credit card

Current interest rates on the L.L. Bean Mastercard by Citi were at 19.24 % before XX/XX/XXXX. Then they moved the interest rate up to 20.24 % after XX/XX/XXXX. Letter was received that as of XX/XX/XXXX interest rate will be increased to 27.24 % due to market conditions and credit worthiness. If you reject the terms and conditions your account will be closed and your credit score will be hit. The letter also states that the APR of regular purchases, balance transfers, and cash advances made after XX/XX/XXXX will not be capped. How is this even legal? Its XXXX XXXX of the consumer. I do have a lot of credit card debt but have NEVER missed or been late on a payment. It even states in the letter that too few accounts currently are NOT paid as agreed. That is a flat out lie by Citi which is influenced by XXXX. Enough is enough with these credit card companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get a car loan at XXXX XXXX XXXX in XXXX XXXX, California. I authorize running ones my credit score and the result was that they did it bot with two companies and the credit score that I was taking care as a baby to increase the point, drop-down several points. I'm no agree with what they did. They suppose to check my credit just ones. 
Companies that they used to check my credit : Coaf XXXX XXXX XXXX XX/XX/2019 No idea the amount they were asking for. 
I will appreciate your help please, I want to take care of my credit as good as possible. 
Thanks so much!
Product: Credit reporting or other personal consumer reports

What Happened : XXXX. XXXX XXXX  XXXX Reporting Error : In XX/XX/XXXX, I attempted to modify my autopay settings to ensure timely payment, but XXXX mobile app misrepresented the status of my payment as successful. This was incorrect due to insufficient funds, and I was not notified of the failed transaction until weeks later. 
Upon discovering the issue, I immediately made a manual payment on XX/XX/XXXX, covering the missed XXXX payment and bringing my account current. Despite this, XXXX reported my XXXX payment as 30+ days late to the credit bureaus. 
I provided evidence, including app screenshots showing the misleading payment confirmation, communication records, and proof of my immediate corrective actions. XXXX has repeatedly refused to acknowledge the apps technical failures or correct the reporting. 
XXXX Credit Bureaus Failure to Investigate : I submitted disputes to XXXX XXXX XXXX XXXX and Equifax XXXX However, none of the bureaus conducted thorough investigations, as they simply deferred to XXXX inadequate responses. 
Despite the detailed evidence provided, all three bureaus returned the same unsatisfactory results, with no changes to my credit report. 

Why This is an Issue : This late payment report is inaccurate and has negatively impacted my credit score and financial standing. 
The failure of XXXX to address the issue and the lack of proper investigation by the credit bureaus have compounded the harm caused by this error. 

My Actions : I have submitted disputes to XXXX and all three credit bureaus and provided substantial evidence, including screenshots and communication records, to support my claim. 
XXXX has dismissed my concerns, and the credit bureaus have failed to properly investigate the matter.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a balance to Transunion when i paid account in full
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request ( notice their internal file number XXXX ). TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX XXXX  XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX   XXXX XXXXXX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX/XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX {$63.00} not mine XXXX  XXXX XXXX XXXX  {$150.00} not mine XXXX XXXX   XXXX ****XXXX {$170.00} not mine XXXX XXXX XXXX XXXX ****XXXX {$200.00} not mine XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a letter from Central Financial Control regarding a debt from XX/XX/XXXX.  I requested verification because I do not recall services from that hospital on that day and that send me a letter that has my previous name on it with a signature that does not look like mine. So they said they billed XXXX XXXX XXXX XXXX but I called them today and they said they do not have any claims submitted from that time. Also this company is claiming they sent me notice before I was placed into Collection but I never did. My secondary insurance XXXX XXXX was not billed either. This company is reporting false information to the CRAs and they said in their letter they will NEVER remove the Collection.
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately XXXX  % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability. 

Furthermore, I have identified other inaccurate personal information on my credit report, which may be contributing to reporting errors. I am requesting a thorough review and correction of any outdated, incomplete, or incorrect details to ensure the accuracy of my credit file.
Product: Checking or savings account

Hello : I am writing to file an official complaint against the financial institution-Wells Fargo . I was visiting Connecticut in XXXX for the holidays. 

On XX/XX/XXXX, I went to the Wells Fargo branch located at XXXX XXXX XXXX, XXXX, Connecticut to make a deposit at their ATM. I went to make this deposit around XXXX. 

I entered my pin number and followed the steps to make a deposit. I entered that I wanted to make a {$200.00} deposit in my savings account. 

The ATM machine took my money and did not give me a receipt neither did it give me back my money. I called the local branch on XX/XX/XXXX to explain to them what happened. 

I was advised to call their ATM Claims Department at XXXX and file a claim. I filed the claim on XX/XX/XXXX and I was told they would research it and the representative provided me a claim number of XXXX XXXX XXXX XXXX. 

There was no written communication from the time I fled my complaint until their first letter dated XX/XX/XXXX. 

I received my first written communication from Wells Fargo ATM Department dated XX/XX/XXXX stating that they have provisionally credited my account for {$200.00}. 

I have reached out to them prior to that to inquire why its taking so long to find the error. They stated that they are researching my claim and will let me know. 

I advised the representative that I spoke with at that time that if they tell me they didnt see where their ATM machine is over {$200.00} and I have to take this loss that I am not going to be a happy customer. 

I received another letter from Wells Fargo ATM Claims Department dated XX/XX/XXXX stating that they are still researching my claim. 

The letter stated that they are researching my inquiry for {$100.00} but that was an error because my claim was for {$200.00}. 

I received a final communication dated XX/XX/XXXX stating that the temporary provisional credit of {$200.00} will be deducted. 

I called Wells Fargo ATM Department on XX/XX/XXXX to express my dissatisfaction with their research results. 

On XX/XX/XXXX, they took the {$200.00} out of my savings account. 

Here is my complaint against Wells Fargo Bank : It took them two months to do research for my claim and to only find out that they did not supposedly find the mistake on their ATMs part. 

After doing their alleged research, I am at a financial loss of {$200.00} because of THEIR equipment. I have been a customer of this bank for over 30 years now. I am highly upset because they will not take responsibility for the malfunctioning of their equipment. 

I am also complaining that they dont have cameras to show where I came inside the branch to make a deposit and that a receipt was not generated and that the ATM did not return my {$200.00}. 


Please forward this complaint to the appropriate department/unit if this isnt the correct email where to send this complaint. 

I have also attached a copy of the written communications that I received from Wells Fargo. 

Thank you!!
Product: Credit reporting or other personal consumer reports

reviewed my consumer reports and I noticed that I had XXXX late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with the maximum accuracy. I have never been late on payments for this account that I have included a screenshot inside this complaint on dates of ( XXXX XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks! Please see screenshot attached
Product: Debt collection

I am unaware of any debt. I did not have an opportunity to dispute this debt before you placed it on my XXXX credit report. If you believe you gave me the proper notification, please send me the certified letter receipt showing my name, address, and signature. If you can not, please delete from my XXXX report.