23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This is my third complaint regarding this issue. The first was XXXX, the second is XXXX. I have been trying to resolve this since XXXX. This has now impacted my credit score because I can not afford to make payments on both balance ( which are the same balance ). I have uploaded all of the evidence in PDF form showing that XXXX paid Amex, they paid the wrong account number. I have included the incorrect account number that the payment was applied to, and have also included my account number, the correct one, that the credit should be applied to. If this is not resolved I intend to seek legal action. I am a single, currently unemployed, mother of three small children. I AM STRUGGLING. Had this balance transfer gone through like it was supposed to in XXXX, I would only be having to make the payment on my XXXX card that I could easily manage and have the option of credit on my Amex. That was the plan. Now my XXXX card carries a higher balance than my Amex, I am able to make those payments, but Amex keeps calling me, emailing me, sending me to collections because of this balance transfer that got applied to the wrong account. Please, I need help. Could someone please, please help me?
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed that there are unauthorized fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I have provided a copy of a FTC REPORT, California state drivers license, and a copy of social security card. Please use the laws and codes that all credit reporting agencies are bound to follow by law as listed and explained below. I dont take my rights being violated lightly but a serious matter.

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

{$150000.00} ACH transfer has not been returned by ally bank. 

I made an XXXX transfer of {$150000.00} using ally bank to pull the funds from my XXXX XXXX XXXX XXXX account. After successfully transferring {$1000.00}, I went ahead and scheduled the transfer of {$150000.00}. On XX/XX/XXXX the amount was withdrawn from my XXXX XXXX XXXX account. However, nothing was deposited to my ally bank savings account on the date that it was supposed to be delivered, which was XX/XX/XXXX. Allys website showed the transaction marked as completed and funds delivered, however it was not. I contacted ally bank numerous of times to find out what happened. First they said the delivery of the funds failed, and a return was being processed as the reason why. So I assumed it was being returned as stated, so I asked for a trace number of that return. After XXXX business days, I did not see any funds being returned to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and I was told a return was never processed by ally bank and they still have the funds and I also found out that the trace number ally bank gave me was not a trace number of the return but the trace number of the original traction. They also said I am supposed to resolve the issue with ally bank because the transaction was initiated with them and they currently have the funds. 
The next step was contacting ally bank to see what is really going on, XX/XX/XXXX I contacted ally bank which said the return of the XXXX transfer failed but the amount was successfully withdrawn from my XXXX XXXX XXXX XXXX account. Their only solution is for me to contact XXXX XXXX XXXX and open a dispute under the reasons as other due to the transaction being incomplete. Those are vague reasons for me to open a dispute, usually a dispute is done due to fraud or not being authorized. 
I am not sure how to proceed after this because both sides are unwilling to find a solution and I am left out of {$150000.00}, the majority of my savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've become aware that delinquent accounts on your credit report negatively affect your credit score for 5 years and are removed after 7 years. It's come to my attention that effective XX/XX/2022, that delinquent accounts on your credit report affect your score after 4 years now and not the former 5 year mark. 

XXXX and XXXX scores reflect that change. As for Experian, their scores do not reflect that new rule that went into effect XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact XXXX, XXXX  and Transunion via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number.
Product: Credit reporting or other personal consumer reports

I have been noticing and spotting several errors and mistakes on my credit report that I dont seem to find very reasonable and recognizable. Here are among the accounts that Im referring to : XXXX. XXXX Account # : XXXX XXXX. XXXX  Account # : XXXX XXXX. XXXX  Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX  Account # : XXXX XXXXXXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX. XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX A ) Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX. XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) Account # : XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) Account # : XXXX XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX. ) Account # : XXXX XXXX. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX. ) Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX I never authorized these Collection Agencies to add these items on my credit report and I demand that they must take actions on this matter accordingly and seriously and have these unfamiliar accounts be swiftly removed and taken off of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 5 HARD INQUIRIES ARE FRAUD. THEY WERE PUT ON ACCOUNT WHEN IT WAS FROZEN AND WENT THROUGH ANYWAYS. 
XXXX. XXXX XXXX XXXX XXXX XXXX bank. 
XXXX. XXXX XXXX Bank XXXX All 5 hard inquiries are fraud and we're pushed through when file was frozen. 

They did not follow federal law with FCRA SECTION 609 AND 611. It is so sad they took company to XXXX we're they do nothing for your credit even if customer. They locked me out so I can't even look at account. It is shameful are credit is in place were they don't listen and don't follow American federal law. FRCA is nothing to them.
Product: Mortgage

In early XXXX 2015 my partner and I approached our local Wells Fargo branch in order to apply for a mortgage. They redirected us to a Wells Fargo broker at a different branch who initially pulled our credit report and told us that I would be better applying for the loan on my own based on my XXXX score. At that point we started receiving weekly e mails requesting documents and this has continued until last Friday, XXXX XXXX. It was my and my agents understanding that it would only take 45 days and the repeated requesting of additional documents has caused great stress to both me, my partner and the seller. Finally today we had reached our limit and have withdrawn from the process due to more documents being requested and have been told that we would not receive our earnest money back.
Product: Debt collection

XXXX has filed a law suit against me for a debt I do not owe to them nor have I ever signed a contract with them. They are attempting to collect a debt in which they purchased and I never agreed to sell my debt to them. The original creditor has already been paid by them for the debt, therefore I owe nothing.
Product: Checking or savings account

I opened a checking account in order to take part in Bank of America 's advertised {$300.00} new checking account bonus promo offer. I opened the account on or within a few days of XX/XX/year>. The bank was able to verify my identity with no issues and the account was opened. I set my IRS tax return to be Direct Deposited into the new account in order for that money to go towards the required {$2000.00} total deposit goal. ( The stipulation being that, in order to receive the promo bonus, a total of {$2000.00} or more must be deposited into the account within 90 days of the account opening date.The promo code was XXXX. ) On XX/XX/year>, I saw that my tax return of {$1300.00} was successfully deposited into the account. The tax return may have been deposited a few days earlier but I noticed on the XXXX. There was no issue with the direct deposit and the money went from pending to posted as expected. I then transferred the full amount of {$1300.00} via zelle to a bank account of mine at another institution. As this was my first time using zelle with Bank of America, there was a temporary hold placed on the transaction. Within 12 hours the zelle transfer went through with no issues and the money was successfully transferred from my Bank of America account to my other bank account. The issue is that on XX/XX/year> I couldn't log into my account. When I called customer service, they said they cancelled the account because they couldn't verify my identity. They said that I would have to visit a brick and mortar location to open a new account. Furthermore, they said the {$1300.00} that was successfully deposited would not count toward a new account promo. Not even if/when they successfully verified my identity. I was given very little time to even take notice of any alert to visit a brach to verify my identity in person. I received no email telling me of this and if the alert was in the app it was of little use because they cancelled the account before I could log in to see it. My complaint is that I opened the account to receive the promo bonus. I followed the rules and over {$1000.00} of my money was entrusted to the bank. They used this money as a business yet opted to cancel my account in an unjustified fashion. I have no issue verifying my identity. I should have been given much more time to verify my identity and the account should have, at most, been placed on a hold. I aim to have that {$1300.00} be seen as counting toward the bonus I correctly applied for. There is no justifiable reason the account should have been cancelled so quickly, nor should my progress toward the promo bonus have been nullified.
Product: Vehicle loan or lease

XXXX to present Finance amount- {$17000.00} XXXX {$1500.00} Payments made- {$11000.00} I have been going back and forth with Ally Financial about my vehicle. My rights as a consumer has been violated. Ally Financial has failed to acknowledge my rights of rescission and ignored my Cease and Desist of the auto contact. All of my findings are correct with the misleading conduct that was done with my auto contract. There was cash mixed with an open-ending credit transaction which went against Truth in Lending Act. I never received any information about my rights to rescind the contract. The finance charges was not disclosed to me with a break down of any kind. The auto insurance that I was informed that I had to get was not added to my contact. After going over my contract I noticed that there are no signatures from the dealership or Ally Financial. I was never given or shown a letter of credit that was given for the auto contract. Ally Financial has went against 15 USC 1631 ( a ) ( b ) Disclosure Requirements, 15 USC 1662 ( 2 ) Advertising of downpayments and installments, 15 USC1635 ( b ) ( f ) Right of rescission, 15 USC 1605 Determination of finance charges, 15 USC 1666 ( B ) ( 2 ) correction of billing errors,! 5 USC 1666 ( D ) treatment of credit balance, 12 CFR 1026 Truth in Lending, UCC 2-325 letter of credit.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an Auto Loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. They also include a Credit Card opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX. Additionally, there are two Student Loans opened at XXXX XXXX XXXX XX/XX/XXXX under account numbers XXXX and XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Money transfer, virtual currency, or money service

On XXXX my phone was alerted of 2 wire transfers in my account that took place XX/XX/XXXX & XX/XX/XXXX. I have never made use of the wire transfer feature nor did I confirm use of it at any time. I have no knowledge of the person my funds were sent to nor did I know they were sent. As soon as I viewed I made my claims. 

I made 2 claims. One claim for 2 wire transfers of XXXX dollars. The other for XXXX XXXX XXXX transfer. The XXXX claim was made under reference number XXXX. And the wire transfers that totaled in XXXX dollars was made under reference number XXXX. Along with my claims I opened a new account changed all passwords and requested a new card. 

For the XXXX dollar claim I was accredited my funds back ( XX/XX/XXXX ). But, for the wire transfers XXXX dollars total I was denied on the claim as well as the recall ( XXXX ). I was not responsible for any wire transfers or confirmations to send my funds and system error was already admitted as my first claim was granted. In my denial letter I was told I was the person who confirmed the transfer as their reason for denial. I was not. After reaching out to make a complaint to the bank ( XXXX ) I was instructed up to 10 days and someone would reach out to me with fraud investigation for Wells Fargo. 

I requested a reference number and a call back number or any info that would help me be on the lookout for the call. I received a call during working hours and missed it ( XX/XX/XXXX ). I have been calling back to this specialist every day since. I was given none of the information I requested and it has been well past 10 days since my complaint was filed. Between yesterday & today alone, ( XX/XX/XXXX & XX/XX/XXXX ) I have left over 4 voicemails and 10 missed calls to the number provided by the specialist. I feel I am getting the run around and not being provided protection to majority of my savings. I have talked to 5 different representatives and each time I must explain this whole situation again with no one allowing me to speak to an office manager/decision maker and it has been a frustrating and disheartening experience. I have not authorized any wires from my account in the history that this account has been active. The bank has already admitted there was fraudulent activity replaced everything to do with the account and I was granted the claim with the smaller portions, and given XXXX dollars back in wire transfer fees. 
This is not right and I need my funds replaced for the fraudulent wire transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXXXXXX made an unauthorized credit inquiry. I reached out to the mortgage lender and nobody is taking responsibility. 

I am in the process of getting a home mortgage with another lender and this is affecting my credit score as well as underwriting with my lender to close my mortgage.
Product: Credit reporting or other personal consumer reports

: Dispute of Charges Related to Apartment Flooding I am writing to formally dispute the charges being reported by Hunter Warfield regarding my former residence at XXXX XXXX XXXX XXXXXXXX XXXX due to significant damages caused by a leak that was not properly addressed by the management. 

During my time living in the apartment, I experienced a severe leak that took XXXX hours to locate the shut-off valve, and an additional XXXX hours to identify the source of the leak, which was ultimately traced to my neighbors unit. The flooding in my apartment was extensive, leading to significant damage and forcing me to relocate to a hotel for a month and a half. 

Despite the severity of the situation, I was never provided with adequate repairs or remediation. The only action taken by the management was to place a fan in the apartment, which did not address the underlying issues or the damages incurred. 

Given these circumstances, I believe it is unjust to hold me responsible for charges related to damages resulting from the management 's failure to address the leak in a timely and effective manner. I kindly request that you review the details of my case and remove any related charges from my credit report. 

Please let me know if you require any additional information or documentation to support my dispute. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Equifax consistently responds within 24 hours stating that the account is accurate without providing evidence of a thorough investigation of disputes. This practice violates the fair credit reporting act. ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take actions to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX