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

I opened the U.S.Bank checking account with promo code XXXX on XX/XX/2020. The advertisement ( Attached # 1 ) from the bank says to receive {$300.00} bonus, you will need to make at least two direct deposits that total {$2000.00} or more within 60 days of account opening and set up online account. I set up the online account and had two direct deposits with {$2300.00}, {$1000.00} and {$1600.00} respectively within 60 days. 

I emailed the U.S. Bank on XX/XX/2020 to inquire about the bonus, and received a reply on XX/XX/2020 from XXXX XXXX saying the bonus is still coming, my friend ( Attached # 2 ). 

On XX/XX/2020, I received a check from U.S. Bank in mail for {$4900.00}. I found myself no longer have access to the online account. I called the local U.S.Bank branch and talk with XXXX. She told me the account was closed by the bank and she had no idea what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Disputed {$1000.00} collection on my Equifax and   XXXX   reports, providing documentation that the account was not past due and payments were being submitted  XXXX  Sent letter to collection agency disputing the amount  XXXX  Equifax sent a letter stating that they had removed the collection amount from my report  XXXX  Sent the Equifax removal to   XXXX    XXXX  Checked my credit reports and both Equifax and  XXXX  had the same amount on my credit report again from a different collection agency  XXXX  Submitted online dispute of the item  XXXX  Equifax reported that the investigation was complete ( same day response ) and the item would remain until   XXXX    XXXX  Submitting copies of evidence  to Equi fax and   XXXX   to dispute again
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/XXXX a hard inquiry was placed without my permission, as soon as I found out I contacted the credit bureau to have it removed but couldn't I then put a freeze on my credit. I was told I needed to contact the finance company in question witch I did they said I needed to contact the person who submitted the application witch I did and I have a response. I didn't give out my SS # and don't understand how they can do this with out it. When he submitted the application it wouldn't go through because he didn't have my SS # and he wanted me to fill it in and I refused to give it to him. When I contacted him he said he would have it removed. How can this be so easy to do and like XXXX to remove?
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquires TransUnion refuses to remove. I contacted all lenders below and they refused to to remove them. 
When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report.

XXXX XXXX Inquiry : XX/XX/XXXX Finance XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX - XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX   XXXX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX   ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX   XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an auto loan through XXXX XXXX XXXX XXXX in XX/XX/XXXX and consistently made my payments on time. During this time I went through numerous health issues, surgeries and financial hardships but still maintained my obligation of consistent payments. 



On XX/XX/XXXX I purchased a new vehicle from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX   was contacted regarding a 10 day payoff amount. XX/XX/XXXX per the attached check XXXX XXXX received final payment for my loan. I called XXXX XXXX XXXX XXXX XX/XX/XXXX to confirm receipt of the funds and was told on numerous occasions that the check was not yet received ; in speaking to the representative I was informed that I would not receive a late payment reporting on my credit report because the check should be processed by end of month. 



I thought nothing else of it because on XX/XX/XXXX I received an email informing me my auto account was paid in full, however on XX/XX/XXXX via my credit monitoring service I was notified that my now closed XXXX XXXX XXXX XXXX account was reported as 30 days late which dropped my credit score by nearly 100 points. I was reported 30 days late on XX/XX/XXXX the same day the loan was paid off. 



I am requesting that this late payment be removed from my credit file as it has significantly affected my credit record and payment was received prior to me being 30 days late and the end of the month which I was told by numerous representatives is the reporting day. I am purchasing a home in XXXX and this negative item could render that impossible, cancel my pre-approval and cause detriment in other credit areas. I have spent years working two jobs, sacrificing and paying off debt to rebuild my credit history only to have my score I raised from XXXX to over 700 diminished by this derogatory item.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Regarding Unresolved Matters Dear [ XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX ], I hope this letter finds you in good health. I am writing to address the issue of unfinished business that requires our immediate attention and resolution. Specifically, this pertains to the recent submission of evidentiary documents, which you voluntarily provided. It is important to note that XXXX XXXX XXXX, acting as a non-adverse, non-belligerent, and non-combatant party, serves as a secure creditor with power of attorney general and Executrix on behalf of the XXXX XXXX XXXX XXXX. 

We sincerely appreciate your cooperation in submitting these crucial evidentiary documents. They are currently in the possession of XXXX XXXX XXXX, and it is imperative that we take necessary steps to address any pending issues associated with them. 

Recognizing the importance of promptly completing our tasks, we kindly request your assistance in providing any additional information or guidance that may be required to facilitate the resolution of these pending matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate inquires on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The company in question ( XXXX XXXX ) has repeatedly defamed my character and is unwilling to correct an issue that I am not at fault for. Payments which were scheduled were not made due to their auto-payment system not functioning correctly. I was not notified until well after 90 days delinquency. Every time I call in, they tell me it is my fault, I am an XXXX, and I was being irresponsible.To the contrary, I made every good faith attempt to straighten out any issues as I were made aware of them. The preeminent issue is that I was never made aware of any issues until well after they reported it to the credit reporting agency. Unfortunately, they will not even consider submitting another appeal on my behalf as they stand by their narrative as noted above. At this point, I am considering pressing charges ; but, I am interested in pursuing any further options that I have.
Product: Credit reporting

A collection was deleted from my report, and was reinserted without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request to remove Unauthorized Inquiries or provide documentation of Authorization Dear Sir or Madam, On XX/XX/XXXX I filed a dispute concerning inquiries from Credit Plus claiming I did not authorize hard credit pulls on XX/XX/XXXX and XX/XX/XXXX. 

Credit Pluss response was ; On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX pulled your credit report with the permissible purpose of securing a mortgage loan. Credit Plus is a " reseller '' of credit information and provides credit report information from the 3 credit bureaus at the request of clients per the Fair Credit Reporting Act guidelines. If you did not authorize access to credit data ; please file a new case. 

Again I specifically asked for documentation from Credit Plus, I do not care who they pull my credit for, they can not pull it without the proper authorization and if they are pulling credit reports without the proper documentations from it's clients then that is also a monsterous violation of the FCRA. The inquiries are in the name of Credit Plus not some other third party.

Credit Plus claims they follow the guidelines of the FCRA, then follow them. 
So again, I did not authorize Credit Plus or anyone else to pull my credit on XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX, XX/XX/XXXX, Therefore per FCRA, either provide the proper documentation that I authorized credit Plus to pull my credit reports from XXXX, XXXX and XXXX for those dates or remove the inquiries immediately. 

Here was my request I am requesting for Credit Plus to  either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

Please remove the unauthorized inquiries from my XXXX, XXXX and XXXX reports or provide me with the unredacted documentation that gave Credit Plus permission from me to pull my credit on the dates listed. 

Thank you for your assistance in this matter,
Product: Mortgage

My lender, Wells Fargo, has ignored my RESPA qualified written request. The request was sent to them on XXXX XXXX, 2015. Thus far they have not acknowledged nor responded to it. Under the real estate settlement procedures act, they are to acknowledge receipt of such request within 10 days and provide a response within 20 days. I have called and asked several time for a response and have not gotten anywhere. Please help!
Product: Credit reporting or other personal consumer reports

Once again, I am turned down for financing due to Transunion 's reporting of debt, closed accounts that are not my debt and overall inadequate response time to a consumer who has suffered identity theft. I have attached information that Transunion is reporting on my consumer profile that I found through True Identity for accounts that I was assured had been removed. The following accounts are still be reported but hidden from my report on Transunion purposely. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This is such a violation of my consumer rights under the FCRA and I will be escalating this complaint to the state 's attorney office for lack of transparency in lending and reporting as well as Transunion 's untruths regarding accounts that were to be removed from my report due to fraud and those accounts that do not belong to me nor is it my debt. 
I have attached the True Identity account for which Transunion continues to report over {$5000.00} in debt to potential finance, lending and credit companies. This is not only bad business but deception in lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite numerous dispute requests, letters, and identity theft affidavits, I've been unable to resolve this particular matter or issue with Experian, XXXX, and XXXX  in regards to inaccurate and fraudulent information appearing on my credit file. There is an account listed as XXXX on my credit file which displays an address of XXXX XXXX XXXX which is clearly the wrong address upon recent research. Another account by the name of XXXX XXXX does not show a date opened nor has XXXX XXXX ever provided any XXXX Release Documentation upon request. A XXXX XXXX XXXX   and XXXX XXXX account which both were opened as a result of identity fraud/theft continues to appear on my credit file despite after the credit bureaus were notified and also denied to block the information upon receiving notification within 4 business days. I believe this a deliberate denial and my consumer rights continue to be violated under the Fair Credit Reporting Act.
Product: Mortgage

XXXX XXXX was in review for a loan modification with all documentation submitted to the lender on XX/XX/2015. On XX/XX/XXXX XXXX from PNC called our office and stated that their institution was in need of a paycheck stub dated for XX/XX/XXXX as the one they had was cut off. She made it very clear that this paycheck stub dated XX/XX/XXXX was the only one to be submitted and was the only document needed. She did confirm the deadline for this document to be received was XX/XX/XXXX. The paycheck stub was sent to PNC on XX/XX/XXXX. Our office followed up and it was confirmed the paycheck stub was received. XXXX XXXX our office spoke with XXXX who stated that there was not a complete package and stated he did n't know what was missing the call was dropped. When our office called back it stated their institution was closed. On XX/XX/XXXX our office spoke to XXXX id XXXX in Florida loss mitigation. She stated the file was closed out on XX/XX/XXXX because the following documents were not received - bank statements for XX/XX/XXXX for account number XXXX, XXXX, missing utility, missing employment letter missing hardship verification. I asked her when these documents were requested as we had called on a weekly basis and never once were these items requested. In fact, I informed her their office called us on XX/XX/XXXX and only requested the paycheck stub. She confirmed XXXX called us, but stated XXXX only documented the account with her informing us of the missing item. XXXX failed to properly notate the account as to what was requested ( as she was adamant only pay stubs were needed ) and failed to do her job properly as now there is conflicting information. Calls are recorded for quality and we are demanding that that could be pulled so we can confirm that she failed to provide accurate information. Furthermore it is obvious that PNC purposely provided inaccurate information so XXXX XXXX file could be removed from loss mitigation. The number of times that we communicated with PNC to check status of the file should extinguish any opportunity to excuse PNC 's behavior. It is very apparent that PNC employees are negligent and that PNC is denying this file and discriminating against XXXX XXXX based on his race, ethnicity, language, and national origin. They would rather foreclose on his property then do a proper review of his file. We are demanding that the sale date scheduled for XXXX be postponed or XXXX XXXX will assert his legal right and name PNC Mortgage and XXXX as defendants in civil court.
Product: Debt collection

I sent this collection agency SEVERAL validations of debt letters, that required a contract with MY SIGNATURE. They just keep sending a bill with an amount as verification. I have also sent several disputes letter to credit bureaus for the credit bureau to make the Collection Agency adhere to the FCRA, but I am not getting the correct response from the collection agency nor the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Equifax Credit Services Dispute Inquirys Dear Equifax Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX  XXXX XXXX XXXX XXXX from XX/XX/2020 Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/2020 All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took a loan from upgrade for loan amount XXXX to consolidate bills.My credit score at the time of the loan was XXXX ( XXXX  ) .The APR or rate is 32.27 % .Upgrade is ripping me off with this rate.My monthly payment XXXX, which is way to much for this loan.Also, since this coronavirus pandemic, And was laid off of work because of coronavirus pandemic, I called upgrade for there hardship program because of coronavirus.They approved a three month program with payments of XXXX.They said at the time of setting me up with hardship program, that this program wont affect my credit AT ALL as long as i pay the hardship program.My first hardship payment was on XX/XX/2020.On XX/XX/2020, I recieved a email saying im past due XXXX and im delinquent.How can I be Delinquent if im on a hardship program because of coronavirus? Therefore, My APR is way to high and cleary upgrade is taking advantage of me.Therefore, I shouldnt recieve any email saying im delinquent when im on the hardship program and this should not affect my credit.Also, if my normal payment XXXX and they cut the loan down to XXXX due hardship program because of coronavirus shows how much money upgrade loans is making off of interest.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX Has violated my rights XXXX XXXX, Has Violated my rights XXXX XXXX, Has violated my rights XXXX XXXX, 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
Product: Credit card or prepaid card

On XX/XX/XXXX I rented a sod cutter from XXXX XXXX in XXXX, CT for my son 's XXXX XXXX  project. The sod cutter did not work properly, we called XXXX for assistance but they couldn't provide any. We returned the sod cutter and XXXX charged us the entire rental fee despite the fact the machine didn't work. We spoke to several managers but couldn't resolve the matter. I called Barclays the same afternoon XXXX to dispute the matter but they said I couldn't dispute it for 15 days and had to do the dispute online or by mail. I filed the dispute on XX/XX/XXXX and provided copies of the rental agreement and receipt. On XX/XX/XXXX I received a boiler plate letter from Barclays claiming I did not provide any documentation and they are unable to dispute the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bankruptcy was not removed from report. They did not send me verification. The bankruptcy does not include my name or social security number. I was told by a representative over the phone that they would delete it from my report, I was told this XXXX of 2017. Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Permanent Removal of Fraudulent Account Due to Identity Theft To TransUnion, I am writing to formally dispute a fraudulent account that has appeared on my credit report. I have been a victim of identity theft, and this account was opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the permanent removal of this fraudulent account from my credit file.

Fraudulent Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I have attached a copy of my FTC Identity Theft Report and a copy of my government-issued ID for verification.

Please conduct an immediate investigation and remove this fraudulent account permanently from my credit report. I request written confirmation once the account has been removed.

Thank you for your prompt attention to this matter. If you need any further information, please contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX Last Four : XXXX Attachments : Copy of FTC Identity Theft Report Copy of Government-Issued ID Copy of Credit Report Highlighting Fraudulent Account
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. 
XXXX & XXXX BANK XXXX XXXX : {$0.00} XXXX & XXXX BANK XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}