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

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX DC XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX MOT XX/XX/XXXX XXXX MOT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX MO XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX MO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AMERICAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX LENDING XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AMERICAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AMERICAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX HOLIDAYS XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I was having hardship for along time this vehicle was a car that was purchased for my husband by me and my dad. My husband was making the payments on time until he had to go. The payment was {$700.00} dollars something I could not afford plus all the other bills that I had along with my own car payment and insurance. My husband was incarcerated in XXXX. I tried my hardest to keep up with the loan and other bills. By XXXX I was drowning in debt. The car was repossessed and I believe the account has been closed and charged off. I've been trying to get this removed from my credit report.
Product: Checking or savings account

To whom it may concern, I recently was a victim of one of my investment accounts being compromised. It is my XXXX  investment account, my banking information y Ally bank ) was saved on my account. The culprit drained my bank account balance and was able to send off any balance making the transaction irreversible. I contacted XXXX  and they have locked my account. Attached below is emails of a different ip address accessing my email and my kraken account. I only have purchased bitcoin, based on the emails it looks like the culprit bought different currency which I am not familiar with whatsoever. They were able to get into my email. On XX/XX/XXXX, this ip address was able to login to my kraken account, this is not my ip address. I provided this same information to Ally and they have yet to give me a response. 

I immediately notified my banking institution, Ally bank and they were helpful to an extent. I spoke to their claim and disputes department and they went ahead and reimbursed me my funds. 

My issue now is they have completely restricted my access to my bank account and I have my entire life saving in there. I am being treated like an absolute criminal by Ally. They will not clarify or give me any time lines to when I can access my funds. I have an auto loan with Ally as well that I can not pay because they have locked my account. All my money is in this account and its been affecting my day to day, I can not pay my bills, car payments or do anything. When I call them, they are rude and do not want to help me. I have went ahead and filed a police report to pursue who originally had accessed my information and drained my accounts, however I do not have any clarity on how this happened or why Ally did not freeze my account seeing that it was being drained. I have exhausted all options and I have kids to feed and I cant even buy food let alone get gas for my car. This is completely unacceptable. I have more than XXXX in the account that I do not have access to and no one is helped me. This is stressing me out and is unacceptable. Telling me to just wait, or putting me on long hold times or talking to me like Im a XXXX  when I trusted this institution with my funds to begin with. I am at a loss for words this is unacceptable I have no access to my money! It feels like no one is listening to me or understanding the severity of my situation at Ally, again to reiterate I have no access to any of my money and it WILL start to affect my payments being paid on time and affect my credit. I have called Ally every day only to be told to wait, I can not wait when I have bills to pay. They are thieves and should be audited and investigated. 

Attached below are screenshots of unauthorized access to my email on the XXXX, unauthorized access to my kraken account on the XXXX a copy of my police case number ( in regards to my email and kraken accounts being compromised ) and all my emails to ally.
Product: Credit reporting or other personal consumer reports

My new balance with XXXX student loans is {$4400.00}. All other student loan debt was forgiven via the XXXX student loan, I have called XXXX and Equifax to have this corrrected and its stil on my report. I even provided the XXXX account statment, its attached again.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account.
Product: Checking or savings account

I am victim of XXXX because of being exploited using a marital dispute I had to separate from wife XXXX because of health issues and erotic immaturity some criminals related to and that could use surname of XXXX had injured killed my mother and injured me and I have no information about XXXX and is fault of banks or some fraudulent XXXX by thieves. Please request XXXX or help her to fly back with me to usa she is reported to be married after XXXX sold to XXXX  and I have no income some fraudulent might be taking a share of my income or controlling my wealth supporting her she should be living with me in California as a family I have no other I have no children I have to rescue myself and her to California and lead our lives
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I transferred {$610.00} to a friend using WorldRemit. Its been 12 days and WorldRemit hasnt paid the recipient. The times I reached out to them by phone ( 1x ) and chat ( 3x ) I have been told that they are contacting the local partner and to wait 24 hours. Its been 12 days since I made the transfer and every time I reached out to them, they say they are trying to contact the local partner. The recipient reached out to her bank and was informed by email that the transfer was reversed the same day it was sent.
Product: Credit reporting or other personal consumer reports

Certified Mail # XXXX XXXX XXXX XXXX XXXX  To Whom it May Concern : I trust this message finds you in good health and spirits. 
I am reaching out to formally notify you of my decision to opt out of all authorizations, whether written, unwritten, or verbal, as outlined by the Fair Credit Reporting Act ( FCRA ), in my capacity as a federally protected consumer. 
In accordance with 15 USC 6802, I am exercising my right to revoke any previously granted authorizations. Consequently, I kindly request that any further use or disclosure of my information under such authorizations be ceased immediately. 
I am seeking your acknowledgment of this request and kindly request written confirmation that my decision to opt out has been duly acknowledged and implemented. 
Your prompt attention to this matter is greatly appreciated. Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing a charge off dated for XX/XX/XXXX. In XXXX of XXXX, XXXX XXXX repo 'd my car. The date of last activity by me is XX/XX/XXXX. I have called and spoken with XXXX XXXX to request a payment history from the beginning of the loan. They stated they couldn't look beyond XX/XX/XXXX which shows a payment of XXXX. I did not send in that payment. My grandmother purchased another car for me the day after they came and got the other one. I submitted documentation and to Experian on yesterday and called them today at XXXX. I spoke with XXXX to explain the situation about XXXX exceeding the reporting limitations. I was told they started over from XX/XX/XXXX instead of XXXX. I asked him if he would pull up the documentations that clearly shows the charge off was not originally started in XXXX. I was then told by XXXX that he would not look at any documentations.
Product: Credit reporting or other personal consumer reports

I have reached out to Experian on more that one occasion to request a report and to inform them that they have continued to report incorrect information on my consumer report for over 5 years. I have been negatively affected by the companies actions. I am currently unable to get a free credit report due to incorrect information being report on my file.
Product: Credit card or prepaid card

On XX/XX/21 I attempted to transfer points from my Amex rewards account to my XXXX XXXX account and was told my account was frozen. I called and was told there was 3rd party fraud suspicion. I had logged onto my Amex account on my phone requesting the transfer. Amex told me I would have to wait at least 7 days for a review. I was trying to purchase award seats on XXXX XXXX that had just opened up and I will lose the opportunity if my points are not released by Amex immediately. No one at Amex I spoke with could find any evidence of fraud to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows inconsistencies in dates of opened account XX/XX/XXXX When XXXX XXXX written statement shows the account was opened XX/XX/XXXX I understand this violates Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 I have also requested that this inquiry be deleted due to the false information As I am the owner of this credit profile
Product: Mortgage

I mailed a mortgage payoff check to Wells Fargo from my personal account on XX/XX/2019. The check was processed on XX/XX/2019 by Wells Fargo. I received a letter dated XX/XX/2019 with and XXXX cent refund check. The letter stated that my mortgage was paid off. 

On XX/XX/2019, I contacted a Wells Fargo representative. I have not received my original note, mortgage, or anything of the such. The rep said it would take between 60 and 90 days to receive this information. I told him it was past that time back in XXXX.The rep then said the documents should be received within the next two weeks or so. 

First of all, it shouldn't take 5 months to receive payoff documents. I want all documents needed for a payoff of my mortgage. I asked if I needed to check to see if the mortgage was released. He said, no. 

With all the people working at this bank, they can't mail simple documents for mortgage payoff. I want my documents, and that way, I know I'm completely done with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my personal data was potentially disclosed without my control or consent. I have no control over the information given to Experian and they failed to hold my information securely. I now have a burden to watch my information and respond to potential identity theft for the rest of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are serveral account reporting I didn't authorize these accounts are violating my rights. Please remove these inaccurate accounts from my credit report and send updated copy to me. 
Consumer XXXX # XXXX {$500.00} # XXXX {$55.00} - I DON'T EVEN KNOW WHAT THIS IS XXXX XXXX XXXX {$800.00} XXXX XXXX NA # XXXX {$960.00} i'VE Tired reaching out to each company and got no help! These accounts are fraudulent and causing me great distress. I'm having a hard time getting approved for house because of these accounts that does not belong on there. The credit reporting agency is violating my rights. Please remove these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$6000.00} XXXX XX/XX/2021
Product: Money transfer, virtual currency, or money service

I have been disputing an unauthorized bank money transfer with XXXX XXXX ( Comerica Bank ) for the amount of {$1900.00} since XXXX of 2017. I never lost or allowed anyone to use my debit card or shared my account information. As soon as I discovered the unauthorized money transfer, I requested a replacement card and filed my first formal written dispute. 

This is a financial institution that was automatically selected for me to receive my monthly veteran 's XXXX compensation. I have filed ( XXXX ) separate formal dispute letters. Every time I keep getting a letter back from them that reads after investigating my allegation they determined the transaction " never occurred. '' This is extremely frustrating since I have spent countless hours on hold and getting disconnected many times. I have also spoken to service representative who agree that I have a claim and " managers '' have also agreed that it was an oversight from their Dispute Resolution Center. These telephone calls are all supposed to be recorded by them. 

I have all the paperwork to prove my claim. Last year I switched my veteran 's XXXX benefits to another bank. Any guidance you could provide on how to resolve this issue will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. I called XX/XX/XXXX to change my new address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My new address was never changed on time. I never received my XXXX statement and I received XXXX statement after the due date, which was XX/XX/XXXX. I sent the payment immediately, then I called them. They were able to waive the {$25.00} late payment, but they still own me $ XXXXlate fee. I have excellent credit score, XXXX plus and my credit score decreased. I want them to restore my credit, I dont have to pay the consequences for their negligence.
Product: Payday loan, title loan, or personal loan

I received a loan from Marcus ( Goldman Sachs XXXX in XX/XX/XXXX. In XXXX of XXXX I reached out to explain I switched banks and was making a manual payment. They explained that they thought everything looked ok. In XXXX and XX/XX/XXXX I reached out a number of times to further explain 2 basic things - I changed bank accounts to debit for loan payment, and that I was out of town caring for my mother who fell ill and is XXXX years old. I was told everything was fine and they couldn't determine the actual due date vs if a payment was late but everything " looked fine on their end '' I was told. I made manual payments but in XX/XX/XXXX I was alerted that XXXX had reported my payments as 30 days late for both XXXX and XX/XX/XXXX. I have never been late and according to the information I received from XXXX directly I was not late in making those two payments. 

They updated my credit and then late payments were removed. On XX/XX/XXXX I was alerted by my credit report tracking that I was now being reported 30 days late twice back from XXXX and XX/XX/XXXX on XXXX. Further more I am being reported 60 days late twice for XXXX and XX/XX/XXXX on XXXX. The mis information I feel only reflects the inability to keep the story straight on XXXX ' end. I am not sure what the issue is but I reached out to explain directly to the executive offices immediately when I was aware of the reporting, and asked why am I being reported late where there was obvious mis information provided to me back in XXXX and XX/XX/XXXX that indicated to me there were no 30 day late payments. Let alone 60 day lates. 

In XX/XX/XXXX I applied to refinance my home mortgage with XXXX Fico scores. On XX/XX/XXXX my scores dropped to XXXX XXXX because of the wrong information Marcus by Goldman Sachs reported. And they are reporting different information to XXXX ( 60 days late 2x ) vs XXXX ( 30 days late 2x ). When I was according to their own customer service department not late ever. I have perfect credit before and after this incident and looking for some assistance in getting this cleared up as soon as possible. Thank you
Product: Checking or savings account

Here is the translation : -- - Recently, I, XXXX XXXX, submitted two applications to XXXX for travel authorization requests for XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX. Both applications were mailed, containing payment checks from my office, XXXX XXXX XXXX. However, after sending the two applications, upon arriving home, XXXX realized while reviewing the scanned copies that the two checks had not been signed. Aware that unsigned checks should not be processed, as per the internal security procedures of all banking institutions worldwide, I resubmitted the two applications, this time with the checks properly signed. To my surprise and dismay, the bank processed the first two unsigned checks. This failure demonstrates a severe lack of security on the part of the bank for not verifying the signatures on the checks before processing them. Had I known that the unsigned checks would be processed, I would not have resubmitted them, thus paying twice for the same process. This situation caused significant inconvenience and unnecessary expenses. When I contacted the bank to resolve the issue, they refused to take any action.
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I had several charges that I disputed on my debit card. Some were not me and some were double charges and one was service that I did n't agree to and was suppose to be an estimate to have my car fixed. After I did n't agree to the price I was charged {$150.00} diagnostic charge and I found out that the diagnostic was wrong after taking it to another shop. 
So I called Chase customer service Dept. and I was transfered to claims Dept. I told them about the charges and was told to file a complaint. 
So that 's what I did. I was told to cancel my Debit card and they would send another one. I said I would rather go into a bank and get one in person since it was a few days before XXXX. I went into a branch in XXXX CA. and was issued a new card and I also got 3 months of bank statements. The card worked that day but on XXXX XXXX I was getting denied after purchasing a XXXX on XXXX. The next day XXXX eve my card was still being denied. I called customer service again and I was on the line for hours and transferred to different departments to find out my account may be closed. I was told to call the next day and speak to the claims dept. and I spoke to a manager that told me my account was closed for having to many claims! She was very mean and could care less that I had no money on the holiday. 
I was told it would take 10 days before account would close. That would have been on XXXX/XXXX/16. 

My XXXX direct deposit check was returned because of the closing of my account and I did n't have enough notice to change it nor open another account at another bank. 
I still have n't gotten my check because it has n't returned to XXXX yet. 

I had over {$1300.00} in my Checking account at that time. I was told I could n't use a debit card but could write checks and withdraw funds at any time. So I wrote one check that did go thru but when I went in to make a withdrawal there was a freeze on all my funds and was told I now needed to call the fraud dept. I was now told it 's gon na be an additional 10 days before I can get funds out. I was also told that I was a victim of Identity Theft from a use to be friend. They knew about this 4 months ago when there was a charge from XXXX. I 've spent almost 5 hours on the phone left on hold for very long periods with many of the customer Reps being incompetent and/or poorly trained and giving wrong information. I have been a customer with Chase Bank for over 5 years and was treated like a criminal during the holidays. I have been traumatized by the treatment and even 2 managers agreed. One said that my account should n't been closed!
Product: Vehicle loan or lease

RBFCU refuses to release the title after I paid in full the vehicle loan.

They are required to do so within 10 days of pay off. 
XXXX said what they are doing is against Texas state law. 
Their reason is because of debt owed on a different account by the co borrower which is not my debt at all. 
I have legal documents of our divorce decree that states that the title is solely mine and not the co borrowers.