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

On XX/XX/2021 I reached out to suntrust bank because I noticed that over XXXX dollars had been taken out of my account over a span of several months. The advised me that I would need to open a new account and close the account that money was being taken from, I did everything they stated and then the next day my account was frozen and they are forcing me to buy a ticket to return to America during the spike of COVID to just come show my ID when I have already verified all of my account information with them.
Product: Credit reporting

I am contacting you as a customer of XXXX affected by the data breach at Experian. This breach has likely revealed my social security number, address, telephone number and other identifying information allowing criminals to open bank accounts and credit lines in my name. Experian offered 2 years of free credit monitoring service for affected customers. This is completely insufficient. The loss of my social security numbers is a grave oversight. The number can be abused anytime after the 2 year monitoring has ended. I expect that the monitoring service should be extended for at least 10 years, and that Experian should provide free and unlimited credit freezing and reversal of credit freezing at all 3 credit reporting agencies. The agencies generally do a poor job protecting from fraud and identity theft, as blatantly visible here.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Complaint Regarding Loan Denial & Credit Report Impact Dear I am writing to formally file a complaint against Prosper Loans regarding their handling of my loan application. I applied for a {$20000.00} debt consolidation loan through Prosper, with an APR of 13.76 %. Despite meeting all financial criteria and receiving pre-approval through XXXX XXXX, Prosper denied my loan after five days of verification without providing any explanation. 

Key Details of My Financial Standing : 29 months of on-time payments ( no late payments ). 
Credit score of XXXX. 
Good credit mix ( 4 credit cards, 1 installment loan ). 
More than {$15000.00} in available credit limit. 
Submitted six bank statements from three different bank accounts. 

Despite my strong financial profile, Prosper not only denied my loan but also incurred a hard inquiry on my credit report, which has negatively impacted my credit standing. The lack of transparency and the undue impact on my financial record have caused me inconvenience and frustration. 

I request that Prosper provide a valid explanation for their decision and remove the hard inquiry from my credit report, as this denial appears unjustified given my financial qualifications. Please advise on the next steps I can take to resolve this matter. 

Thank you for your assistance. I look forward to your response. 

Best regards, XXXX XXXX Email : XXXX Phone : XXXX
Product: Credit card or prepaid card

I used XXXX XXXX XXXX Card in XX/XX/XXXX-XX/XX/XXXX and is supposed to receive XXXX points to my XXXX XXXX reward account. However, until now I still haven't received any points. 

I have sent messages and called to customer service of XXXX and XXXX to resolve this matter multiple times. We even have a conference call between XXXX, XXXX, and me. However, this problem still is not fixed.
Product: Credit reporting or other personal consumer reports

they have my address as XXXX XXXX XXXX XXXX GA XXXX and this is not my address my current address is XXXX XXXX XXXX XXXX GA XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Dear TransUnion Im very unhappy at the fact that there is inaccurate information on my credit report, and the creditor failed to submit sufficient proof to validate the inaccurate account. This is my third letter to your company. I know the XXXX allows me to dispute directly with the creditor after disputing with you. You told me that you verified the account with the creditor but they could not provide me with sufficient proof to back up their reporting. How can you verify if the creditor could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. 

Please delete these accounts from my credit reports since your company did not properly verify the information and the creditor could not provide sufficient proof to prove their reporting. 

XXXX : Account number : XXXX, The account type detail has another name. Date last active should be the same, fix or delete. 

XXXX XXXX : Account number : XXXX, The account type detail has another name. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, The account type detail has another name. Date last active should be the same, fix or delete. 

XXXXXXXX XXXX XXXX  XX/XX/XXXX : Account number : N/A, The account type detail has another name. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, The account type detail has another name. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, The account type detail has another name. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, The account type detail has another name. Date last active should be the same, fix or delete. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, The account type detail has another name. Date last active should be the same, fix or delete. 

I hope we can resolve this issue without complaints to the Consumer Financial Protection Bureau and other agencies. 

Looking for your help. 

CC : FTC, Attorney Generals Office.
Product: Credit card or prepaid card

I ordered a my XXXX report and noticed a unauthorized hard inquiry from Capital One on XX/XX/2023. Prior to applying for a credit card with Capital One, I called and spoke to a representative. I was informed that a soft inquiry would be ran. I explained that I wanted to verify before applying because I don't want any hard inquires ran. I was reassured that it would not be hard. I was shocked when I viewed my XXXX report to see that it was a hard inquiry. A soft inquiry was authorized only The credit card that I applied for was a business credit card and I provided my business 's ein number. My personal SSN number should have only been used to verify my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX balance reported which is inaccurate and published without my consent.
Product: Credit card

On XX/XX/2023 I received in the mail a Platinum Capital One Credit Card. I never requested this nor applied for this Card. I am requesting that this account be closed and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and myself have been disputing and notifying Equifax of FRAUDULENT activity regarding a hard inquiry by XXXX XXXX on my Equifax credit report via US Ceritifed Mail and electronically to no avail. I am continually receiving generic responses in both electronic and US Mail essentially refusing to remove the hard inquiry or recognize the fact that I'm stating it as fraudulent activity. 

The following are the dates I submitted complaints concerning this matter via US Certified Mail ; XX/XX/XXXX and XX/XX/XXXX. In these communications I have also included responses from XXXX XXXX  recognizing the fraud and their diligent efforts to have the hard inquiry removed from my Equifax credit file. The responses from XXXX XXXX were sent via US Mail on XX/XX/XXXX and XX/XX/XXXX and transmitted to Equifax by XXXX XXXX  in addition to the copies I mailed to them. 

The following are the dates I submitted complaints concerning this matter via electronically on Equifax 's website : XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. Again, I am receiving the EXACT identical generic responses to my concerns. 

It should be noted that XXXX and XXXX immediately removed this hard inquiry once XXXX XXXX notified them of the fraud. 

( Please Note that I am including all of the aforementioned communications in this complaint with the CFPB )
Product: Checking or savings account

I received a notification from Wells Fargo on XX/XX/XXXX that my debit card was declined for insufficient funds. I had not used my debit card all day and physically had it with me, so I logged into my account and saw that {$960.00} was taken from my bank account and the person was still trying to use my information to buy something else. I immediately called Wells Fargo and had them shut off my card and I put in a claim for that money. I spent many days waiting for updates about the claim, and on XX/XX/XXXX I logged back onto my account to see the claim was closed and nobody contacted me. I called to see why Wells Fargo closed the claim without returning the money to my account, and they said they determined it not fraud. I asked them to tell me anything about the merchant I supposedly spent this money at. I asked for any receipts or proof of merchandise they thought I bought, they could not give me any information because the merchant does not exist ( I had a police officer look it up ). I was told by them the next thing to do was to get the police involved, and so I did just that. I took my account information and my claim number to the police and filed a police report, and gave all of that back to Wells Fargo. They AGAIN closed my claim and said it was not fraud even though they still can not tell me who this merchant is and what I supposedly spent this money on. I have been fighting this for a month now, and all I want is justice and the money that was stolen from me back.
Product: Checking or savings account

bmo harris trust dept failed to close all accounts in XXXX XXXX XXXX and XXXX XXXX and forward proceeds to executors, XXXX XXXX XXXX and XXXX XXXX XXXX, executors in fact. see attched.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer portfolio is saying my account is a charge off. There was not XXXX consecutive months without a payment. The vehicle was total the insurance company paid. They asked me to pay a little on the account which I am doing. But when you calculate me paying for a vehicle for XXXX XXXX years at XXXX. With XXXX payment deferred and insurance paid XXXX in XX/XX/2022 should not be showing a negative mark on me.
Product: Money transfer, virtual currency, or money service

When I started comparing my XXXX ( Old Age Security ) to my husband 's I noticed that starting in XX/XX/XXXX my amount was less by anywhere from {$30.00} to {$47.00} each month. I phone XXXX Pension ( XXXX ) and explained that although are XXXX ( XXXX ) Gross Income of {$6400.00} ( box XXXX ) we were getting different amounts. I was told to call my local bank as it was their problem. I called my XXXX XXXX  XXXX XXXX ( XXXX and spoke with both XXXX and when I called back XXXX, they both gave me the same answer that the money comes in from the Bank of America into their back office and then deposited into our accounts. Called back XXXX Pension spoke with XXXX and was told that we were getting equal amounts and suggested that it maybe the rate of exchange. I told him that that would only vary {$0.00} to {$0.00} but not {$30.00}. He told me he couldn't do anything and I needed to call the Currency Explanation & Correction department (! XXXX ) spoke with XXXX and he told me to call ( XXXX ) who in turn told me to call XXXX Pension. Again called and spoke to XXXX and was told the same thing so I asked to speak to a supervisor and was told that the person would get back to me within 2 hours. This was at XXXX XX/XX/XXXX, it is now XXXX XX/XX/XXXX and still no call. I called the XXXX ( XXXX ) and was directed to call my local police station in my country of origin. Called the Sheriffs department ( XXXX ) and was told to call the Federal Banking & Trade commission ( XXXX ) and was the directed to Federal Trade Commission ( XXXX ) spoke with XXXX and he explained the process and directed me to Consumerfinance.gov and here I am
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for several years to remove information on my credit report due to me being a victim of ID theft. I filed police reports, FTC reports and affidavits and submitted this information to the credit reporting agencies, however they refuse to remove the information listed on my declaration.
Product: Mortgage

This is a follow up to Complaint XXXX. I contacted the company today and discovered that they did not credit me with my XX/XX/2019 on both mortgages. We were hacked before XXXX, it looked like the usps got mixed up or something, but when I talked with them today, they tried to say it was XXXX and XXXX XXXX but finally, we figured out it was XXXX. After the first rep, I checked my bank account and both payments were sent to SLS electronically {$1200.00} on the first mortgage and {$280.00} on the second sent XX/XX/2019 and they processed it XX/XX/XXXX. They do not show they received it, so I emailed and faxed them a copy of the bank statement after talking with their second rep. So from XX/XX/2019 they have been reporting us late on our credit reports and charging extra and since the above complaint we received a notice of default and intent to foreclose. I also sent them a copy of the law that states that the postal stamp is considered the date received, not when they process it. Thought you would need the additional information. Could not download bank statement confirming because it is in pdf format, but can fax to you if you send me a fax or email, if you would like it.
Product: Credit reporting or other personal consumer reports

Experian did not properly investigate my complaints/disputes for the below accounts and I would like them to be deleted from my credit report. They were supposedly investigated, deleted and reinserted which completely hindered me from gaining credit. They did not properly investigate my disputes. 

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, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX reporting as inquiries on my report. In accordance with the Fair Credit Reporting Act, A. XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

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 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 XXXXXX/XX/XXXX
Product: Mortgage

I have contacted NJ Lenders to get a copy of the alleged payment ( Cancelled Check ) that they made to XXXX XXXX XXXXXX/XX/XXXX The NOTE NJ Lenders prepared claims that I received payment of {$130000.00} I did not receive this payment from NJ Lenders. I would like to see who was paid so the matter can be sorted out. I am not saying NJ Lenders is behind the mass sabotage and communications tampering that led me and many others to default on their mortgages. I am not saying that NJ Lenders is involved with covering up illegal transactions. What I am saying is that the contract NJ Lenders prepared titled " Note '' states that I have received a {$130000.00} loan from NJ Lenders and I have not received a penny from NJ Lenders. NJ Lenders has responded to my request by send back a " mortgage '' stamped cancelled or record without proof of being satisfied or the lien being released and no discharge of mortgage. 

All I need to get is a copy of the check that was used to pay-off the existing XX/XX/XXXXmortgage. You have sent me a copy of the XX/XX/XXXX cancelled mortgage. 

I am requesting of copy of the check used to pay-off the existing balance. I have attached an example of what I am looking for CHECK # XXXX proves that XXXX XXXX paid XX/XX/2003 mortgage in the amount of {$1400.00} On the reverse side of the check it shows the Fleet bank where the check was processed. The SINGLE POINT OF CONTACT AGENT ( SPOC ) XXXX was used also. Please take a look at the check front and back that gives you a visual example of what I need to see. Your payment will look similar but the names will change to show NJ Lenders payingXX/XX/XXXX along with the mortgage pay-off number.
Product: Credit reporting or other personal consumer reports

this should not be on my credit report as the Bankruptcy courts do not report to the credit agency.. this should not be on my credit report.. this needs to be removed immediately. 

As I have not heard back from you in over 30 days since my notice of dispute dated XX/XX/1999, and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

this in not permitted by law.. Please have this removed .... this needs to be removed from all three credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

every day since Equifax breach unable to file a credit freeze or get free monitoring either online or by phone website freezes up and will not complete enrollment gives errorcode and says try again later this has been happening since the first day breach was announcecd