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

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All 3 was deleted on XXXX but still reporting on Equifax which is a lie 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

Wells Fargo issued me a credit card for home improvement. In XXXX, I went through a painful mortgage refinance due to mental health issues ( I am a XXXXXXXX XXXX  ) that doubled my monthly payment. As a result, several bills went unpaid while I tried to regain control of my finances. I worked with many creditors to get on payment plans and attempted that with Wells Fargo. On two separate dates in XXXX in XXXX and XXXX, I pleaded hardship with the company and offered to pay what I was able per month, a sum of {$100.00} per month against a balance of about {$6000.00}. The minimum payment to get my account straight is in excess of {$1000.00} and needless to say I am unable to come up with that amount for one creditor. Wells Fargo refused to work with me both times I called and told me there would be a " promotion '' in XXXX wherein they could reduce my interest rate and work with me at that time. In the meantime, they continue every month to report me to credit agencies even though I send them the {$100.00}. It's almost pointless to do so.
Product: Mortgage

XX/XX/2020, I contacted XXXX XXXX XXXX XXXX XXXX XXXX with American Security Mortgage. Initially I requested to refinance my mortgage from a 4.25 % 15 year to a 2.5 % 30 year mortgage. I was informed by XXXX XXXX after pulling my credit that this was an option contingent on my home appraisal. After several emails and text messages XX/XX/2020 I placed everything on hold due to a family emergency. I texted XXXX and informed her I would not be moving forward with the refi because of my family emergency. XX/XX/2020 XXXX reached out to me again, I advised her I needed cash out of {$55.00} and refi, XXXX informed me I could take this amount at 3.5 % depending on appraisal. XX/XX/2020 the house was appraised for $ XXXX, XX/XX/2020, I received an email from XXXX XXXX, XXXX XXXX 's assistant requesting that I sign documentation without any rates or information provided, after demanding all needed information XXXX XXXX finally responded XX/XX/2020. she stated the following " Do to my credit score, cashout, and refi the rate would be 4.25 % not 3.8 % previously stated with $ XXXX cashout not $ XXXX ''. When asked about payments and previous rates XXXX then stated she can only do $ XXXX $ XXXX with 3.6 % out. XXXX XXXX also stated if I do not take the terms and conditions I would be responsible for the appraisal fee, although the appraisal was based on previous rates and conditions provided by XXXX. 
This is a case of Mortgage Fraud and bait and switch, Mortgage fraud through bait and switch. Bait and switch is a kind of fraud in which the mortgage lender lures consumers by advertising loans at a low interest rate so that customers can submit their applications for the low rate mortgage. Afterwards, the lender reveals that the particular loan offer is not available and he offers a substitute loan program that has a comparatively higher rate. 
After several emails, XXXX insisted that I just refi as previous stated although per her emails she changed the rates and conditions of the loan several times. 
All information was provided to XXXX XXXX before the appraisal now she is stating based on the information she can not provide the terms and conditions she offered previous to the appraisal and stated I am responsible for the cost of the appraisal based on Bait and Switch loan tactics.
Product: Credit card or prepaid card

I lost my credit card and Citibank sent a new replacement with a new account number. 

It is up to ME to decide who is authorized to possess my card number and charge my card, NOT CITIBANK. 

I did not authorize Citibank to provide my new card number ( ending in XXXX ) to any merchants. NOT ONE. 

Yet Citibank unilaterally and without my consent or permission provided the card number to XXXX, XXXX, and god knows who else. 

XXXX  posted an unauthorized charge of {$110.00} to my account on XX/XX/2020. When I attempted to dispute the charge on the Citibank website, it blocked my dispute. 

If Citibank enrolled me in some XXXX  product that distributes my credit card to merchants, they did so without my consent or authorization.
Product: Vehicle loan or lease

We refinanced our home in XX/XX/XXXX and our mortgage company paid off numerous credit cards including Ally Financial. Back in XX/XX/XXXX when our mortgage company pulled my credit report, they made the payments to the various credit card company including Ally financial ( shown on this report ). An over payment was made to Ally Financial on XX/XX/XXXX in the amount of {$1000.00}. We were informed by Ally Financial we would receive a reimbursement within XXXX business days of our request. We have yet to receive a payment or a call back as of today, XX/XX/XXXX. 
I have email communication from XXXX in the " Executive Customer Auto Relations department '' on XX/XX/XXXX, informing me she has received my concern and will research and provide a timely response soon. I have emailed her back XXXX  and also placed a phone call to her at XXXX and left XXXX voicemails to no avail. I want this over payment returned to me immediately. My lease does not expire until XX/XX/XXXX. At that point, I will make a decision to either keep the vehicle and purchase it or turn the vehicle in. Ally Financial has no right to withhold my over payment.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report, and I found a fraudulent account on my report. Please removed this account from my report. It is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.
Product: Debt collection

XXXX  my wife and I who called in to see what this was regarding. We haven't had XXXX  in since 2011. They were trying to collect a debt out of statue of limitations. The first person whose voice mail we got sounded like he XXXX in the mic. We thought this was a scam. We called back and XXXX  the company. A real company. Finally we got a live person. They said they were looking for me. XXXX XXXX. Said they can speak to my wife. The individual went over the account details with my wife with out giving the XXXX  XXXX. Didn't say who he was with. Just went over the details and my personal info. Speaking to the supervisor he said that we were correct and he would speak to him. He also didn't give the XXXX XXXX  either. They tried to trick me into starting a payment arrangement with them that would start the credit reporting and potential courts by trying to get me to pay. ( My wife is a debt collector. And certified in the fdcpa. She was upset because he abused the rights I have. )
Product: Credit card or prepaid card

Between XX/XX/2022 and XX/XX/2022 XXXX fraudulent {$100.00} XXXX  charges were placed on my Indigo Platinum Mastercard in XXXX XXXX, California. ( I do not reside in or near that state nor had I traveled there ). I hadn't used that card in almost a year, and I had fully paid it off. I noticed the charges when I received a statement balance in XXXX. I contacted Indigo Master Card to report the fraudulent charges, they told me they would note my account and submit the report to the fraud department, as well as close my account. They reported the investigation could take up to two months to fully complete. 

In XXXX I noticed despite the pending fraud report, they had reported a missed payment for the charges that impacted my credit score. Customer service reported that nothing could be done on their side until the investigation cleared and to reach out to a credit bureau. 

In mid XXXX, I still had not heard from them or seen changes to my statements, so I had called service for an update and they stated that my account had never been noted. They stated that the fraud department had closed my account so the investigation must still be pending, but there was no timeline on when I could expect it to be completed. The missed payments being reported are destroying my credit score, and after reporting them to XXXX it showed only XXXX 's to be cleared, and I still have a 90 day past due balance.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX ( input accounts ), has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/year> Urgent Demand for Immediate Correction Of Inaccurate Reporting : Upon reviewing my consumer reports, i was enraged to find egregious inaccuracies regarding alleged late payments on an account where i have always made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the Highest degree of accuracy in reporting consumer information.I have NEVER missed a payment on the following account : XXXX XXXX XXXX. I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are. REQUIRED to provide UNDENIABLE evidence, such as detailed account statements, sustaining the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA section 611, which mandates accuracy and completeness in consumer reports. 
I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Credit card or prepaid card

On Sunday XX/XX/XXXX, I applied for a Chase Sapphire Preferred credit card. This card in particular stood out due to the XXXX point bonus when you spend {$4000.00} or more in three months AS WELL AS a 0 % intro rate for 12 billing cycles. There after it would be 17.99-29.99 % variable. I decided that this was a wonderful option & took the offer. I signed in to my online banking & noticed it stated the apr was 17.99. I was so confused so I called the Chase credit card department. They stated they had no such offer. I told him to go to the website, creditcards.chase.com & the promo would be there. He said it wasn't & to go to the branch to fix the problem. Today, XX/XX/XXXX, I walked into my nearest Chase on XXXX XXXX XXXX in XXXX, CA. She saw the offer I saw & applied for. She immediately got on the phone & tried to correct this for me. The representative she spoke to also said the same thing. They could not see the offer. The branch employee sided with me but said there was nothing in her power to correct this glitch. I am so careful on running my credit. I want the offer I applied for & not this one that was given to me. I feel so mislead & I keep getting the run around. It's not fair that their false advertising that's published is not given to me even though it's on their website.
Product: Money transfers

I paid for a funds transfer from the state of XXXX to XXXX using the MoneyGram Service located in a Walmart Store. When pickup was attempted by the listed recipient in XXXX the funds were n't distributed, he was required to call me ( sender ) and have me call an XXXX number ; when I called the XXXX number I was transferred to XXXX different representatives who all never explained why this delay was needed and what the issue/problem was that prevented execution of my transfer. When I repeatedly demanded to speak with a mgr I was put back on hold for an extended period of time ( after a 8 minute initial hold to even start the process ), just to somehow get disconnected. When I returned to Walmart to cancel the transaction and get my money back, the Walmart Rep had to call MoneyGram because of a hold status and took nearly 30 minutes of holding on the line to get it cleared for my refund and still never gave me or the rep an explanation of why this all occurred. This was a huge waste of time and no company operating in the US should be able to tie up our funds and not even have call center reps that can speak understandable English and that do n't provide explanations of why our funds are being tied up.
Product: Credit card

I closed an American Express Account and was given the outstanding balance which I paid in full. Tonight I went online to check on some charges on a different and found that there was an outstanding balance on the account that I had closed as well as a finace charge and late fee. I had several instances when? I had contacted Amex regarding this not receiving paper bills on this account and had requested that they resume sending paper statements, but I would only get the current statement and future statements would were not sent. I have an issue with a credit card company not notifying me in any way regarding my balance.
Product: Money transfer, virtual currency, or money service

I

had opened my account with XXXX on XX/XX/2017 and did few transactions until XX/XX/2018. After that they took my access to deposit or withdraw funds error showing " Sends and receives are disabled for your account. To enable these features, verify your account. '' I have already verified my account by providing all the required details and they have been telling me that our supervisor will review you case before we give you the access and its been over 4+ months starting XX/XX/XXXX that i haven't received any email or phone call from the company. I have called them over 7-8 times for the same and they tell me to wait, I have their emails mentioning i will receive a call or email from their supervisor in order to get the access. There are so many similar complaints against this company and they have blocked millions of dollars for other consumers too. I was surprised to hear this when i called them on XX/XX/XXXX that they claim they have sent me an email to verify identity which i claim that i haven't received and told them to send me again because even my account says my account is already verified which i already did on the XX/XX/XXXX. I told them have been following my case from months and nobody told me to verify my ID, everytime i call i have been told to my case is pending reviewed by supervisor and this time they told me i have to reply to the email which i never received and i told them to send me again and they say there is no way to send the email again which means i wont be able to get access to may account ever as according to them it was computer generated and can not be generated again. After having heated argument they still say there is no way to send the email again but the fact is my account is already verified and i have supporting documents for the same. I have been trying to sell my virtual currency from the past 4+ months and it has been depreciating since then and i am unable to make any transaction, Please help me my portfolio value has drastically gone down i have lost a lot of my saving because of them.
Product: Credit card

Hello, During XXXX of 2015, I received a low interest rate offer from my credit card company, Wells Fargo, in my monthly bill statement promoting " Superchecks '' that were linked to my credit card account. The offer is for 2.9 % APR for 12 months. The offer states that the superchecks may be used for " balance transfers '' or as you would use a personal check for " purchases. '' The offer clearly distinguishes balance transfers from purchases, and only states that there will be a balance transfer fee. 
After using XXXX of the superchecks for a purchase, Wells Fargo charged me a " balance transfer fee '' of {$110.00}. I called Wells Fargo credit card center and the representative recommended I go to my local Wells Fargo branch to get the issue resolved, which I did on XXXX XXXX, 2015. Branch Manager, XXXX XXXX explained that since it was a credit card issue there was nothing she could do. She was also unable to show me in the offer where purchases are also subject to balance transfer fees. 
On XXXX XXXX 's advice, I contacted the credit card center and spoke with a manager. I spoke with XXXX XXXX, who was also unable to show me where the offer states that purchases are subject to balance transfer fees. He explained to me that there was nothing he could do to remove the fee from my account. 
Wells Fargo Bank failed to inform me that a " purchase '' is the same as a " balance transfer. '' The offer is misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid and contacted the company to get the account removed. They said they reported it already and that's all they can do. I asked to provide documentation that they did that so I could send to the bureaus and they did, I sent it and no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called all 3 credit bureaus about these hard inquiries that appeared on my credit score. I've spoken with consumer service and they did not do anything. All year long I have been fighting these hard inquiries and recently notice more duplicate inquires and some that re-appeared from 4 years ago.

Transunion >XXXX >XXXX >XXXX >XXXX >XXXX  >XXXX   >XXXX >XXXX >XXXX >XXXX  >XXXX   >XXXX  >XXXX >XXXX  >XXXX  >XXXX >XXXX   >XXXX XXXX  >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: Vehicle loan or lease

The dealership that I went through to get the car texted me on XX/XX/2025 saying they want the car back in the lot because the bank that agreed to finance the car and fund the dealership had apparently cut ties with the dealership or vice versa because I called the bank Santander and they told me that they have no knowledge of the incident. I traded in the XXXX that I had for XXXX money down and drove the new car off the lot that night. I still have all the paperwork that I signed from the dealer, I have text messages from the dealers finance agent describing it all and what happened and that apparently it didn't just happen to me but 5-8 other people that also have to bring there cars back. I am currently looking to sue either the dealer or the bank or both for not giving any notice of this to look for other car options.
Product: Credit card

I wrote a letter to Montgomery Ward asking the company to provide me proof of my written signature. They in turn sent me a letter denying my request and deemed this as frivolous because I did not specifically ask for anything in my request. I clearly asked for written proof of my signature. Under the FDCPA Laws and the FCRA laws it is required that they can furnish me written proof of my signature validating that this debt is in fact mine, by them sending me a letter in the mail does not comply with my written request. They are violating my rights and the law by not furnishing me this information. I am to believe that because they chose to send me a letter instead that they can not provide me this information therefore they must cease collections and remove the debt from my credit reports
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly impacting my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships, leaving me with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.