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

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXXommunication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Mortgage

Certified Tracking Receipt XX/XX/2021 XXXX PM ( a day ago ) Topic : Regular Payment To : Customer Service I have mailed proof of payment to : XXXX MXXXX XXXX, XXXX XXXX XXXX XXXX, Illinois, XXXX Tracking number : XXXX I emailed proof to XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX. 

My mortgage loan payments are up to date. 
XX/XX/2021 XXXX PM ( a day ago ) Topic : Delinquent Payment To : Customer Service This is the information concerning my XXXX XX/XX/2021 payment : AccountNum : XXXX Amount : XXXX CheckNum : XXXX XXXX : XXXX Routing : XXXX DatePosted : XXXX Please be advise I will be making a compliant to the Veteran Administration over the handling of this process. XXXX XXXX XXXX, XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I set my XXXX XXXX card up for automatic payments. At the end of XX/XX/XXXX the payment was not made. I called customer service and they explained that it was due to the automatic payments being set up and that the payment in XX/XX/XXXX would come out automatically for XX/XX/XXXXand XX/XX/XXXX. The end of XX/XX/XXXX comes and I get an alert from the credit bureau that I have an account 30 days pay due even though the automatic payment had just been made that covered XX/XX/XXXX and XX/XX/XXXX. I  was never charged a late fee. I contacted customer service about it and they said they never considered it late, bit the system automatically reported a 30 day late payment and that there was nothing they could do as they don't have those issue anymore due to the laws being changed and that I would need to dispute directly with the bureaus. I disputed with the bureaus several times with no result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw inquiries on my Transunion credit report. I called their customer service number to speak to a representative and tell them that you have been a VICTIM of their inquiry issue. They would not help me. The Inquiries are listed below. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/2018
Product: Vehicle loan or lease

I don't even know how to describe what's going on here. Credit Acceptance started reporting me late on an account that they had charged off awhile ago. I don't think this is correct. I do not believe I can be 120 days late for the last 4 months on a charged off account. PLEASE HELP ME! This is destroying my credit!
Product: Mortgage

I had a loan with Stearns Lending. I had been making bi-weekly payments. On XX/XX/XXXX they transferred the loan to XXXX XXXX and did not forward one of the payments making my account delinquent. I have called them SEVERAL times for hours at a time trying to get in contact with someone with no resolution. Trying to get an agent on the phone is nearly impossible and I am worried that after 60 days if this matter is not resolved it will negatively affect my credit.
Product: Debt collection

I have thoroughly inspected my recent credit report and found several unauthorized accounts that were falsely included.
Product: Credit card

Dear Sir or XXXX : I live at XXXX Courthouse Apartments in XXXX, VA. The apartment conducts rent payment collection through Bilt Rewards, which is underwritten by Wells Fargo. I have been making payments on the Bilt Rewards website portal ( linked to XXXX ). I received payment confirmation numbers from XXXX for each payment, and I can see that the charges have been posted on my bank. I have opted to do a direct withdrawal rather than use my XXXX credit card. I only have the card because the system is presented as if a XXXX credit card is required. 

Unfortunately, XXXX is not reporting these payments to XXXX XXXX. As a result, I am accused of being over XXXX  days delinquent for an amount of over {$6000.00}. This is despite having called Wells Fargo customer service and supplied information about each payment that I have made to date. Wells Fargo said they would submit a case to have my situation reviewed, but when I called today I found that no action had been taken other to leave a note in my file. 

XXXX customer service directs me to talk to Wells Fargo to resolve the issue despite the fault likely lying with XXXX not accurately reporting my payments to Wells Fargo. I would appreciate your help as I am trying to use my VA XXXX XXXX to purchase my first home. This mistake on XXXX 's part has significantly lowered my XXXX XXXX and is negatively impacting my life. 

Thank you! 

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

XXXX XXXX has 3 hard inquiries that hard inquiries that have reported to my credit report and I have never applied for anything with XXXX XXXXXXXX. The dates are on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit card or prepaid card

The Consumer Protection Financial Bureau : I have been a credit card holder of XXXX XXXX XXXX ' Discover It card since XXXX. What drew me to choose and ultimately use their card is their promise of no foreign transaction fee in purchases made outside of the United States. I consider myself a well-educated consumer, closely reading specifics of any product in the enclosed marketing and card member agreement materials. 

I travelled to the XXXX of XXXX, and the XXXX in XX/XX/XXXX. As with any travel, one would want to use the convenience of credit card, especially those advertised with no foreign transaction fees. Most credit card companies that discloses foreign transaction fees ranges from 3-4 %. Discover ultimately uses the language of " no foreign transaction fees ''. Upon my return to the United States, I quickly scrutinized the transactions in my card statements to see if their advertisement, their promise, lived up to its word. The transaction took about two full months to post to my statement. While this delay was expected, what caught me was the extremely high foreign conversion rate they used. the foreign exchange rate used was anywhere from 15-20 % higher that any publicly-verifiable source. 

To get a better understanding of this matter, I spoke and wrote to the Credit Card Company on several occasions. I was told that the foreign exchange rate used the exchange rate at the time of transaction as published in XXXX or XXXX XXXX. The rates as I see, led me to ultimately believe that the foreign exchange conversion rate was : first, not accurate to what was published in the market sources, and secondly included a surcharge to those rates. 

On XX/XX/XXXX, I spoke to a supervisor at the Credit Card company and I was told that their product adheres to its no foreign transaction fee and that foreign conversion rate would be on their website. I found this conversation very appalling as it was a blatant misleading and egregious. Not only that XXXX XXXX attempted to apologize for this misleading card feature but also there is nowhere on their website or card member agreement that support this issue. This is very contrary to how transparent XXXX XXXX with their published conversion rates. The way Discover charges and converts foreign transaction fees are misleading and unfair to its clientele and ultimately to the American public.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit bureau has had my identity theft information since XX/XX/2018 and all verifying information. I sent the same inforamtion to experian and transunion and they have rectified the problem in accordance with the fcra. Equifax refuses to remove the fraudulent information. I have spoken with the colleciton companies and submitted the fraud information to them as well and they have told me that they are not reporting the fraudulent items. Equifax has had well over the alloted time and has not updated the credit reports even though it is not being reported by any collection companies. They have not in any way investigated and removed the items. They are as follows, XXXX XXXX/fraudulent, XXXX XXXX/fraudulent, XXXX XXXX XXXX/fraudulent, XXXX XXXX XXXX/fraudulent. I have faxed, mailed and called equifax they have refused to update the fraudulent information.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to West Side Lending. However, West Side Lending continues to debit my account. The most recent attempt was an ACH transaction. The date was XX/XX/2022, for the amount of {$200.00}. More than 60 days after, I requested that West Side Lending stops debiting my account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Name : XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Name : XXXX  Date of Inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Student loan

From 2010 to current I have had issues with navient 3 times i needed to consolidate and told to put in forbearance until my approval came thru I have been paying close to 500 a month and I owe XXXX XXXX more then what I borrowed
Product: Checking or savings account

I was a customer with XXXX Bank and switched to PNC. I did XXXX  investing with XXXX and wanted to do the same with PNC, but PNC is not allowing me to link my debit card/checking with XXXX. Can this be remedied?
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute about some inaccurate things on my credit report. It's been over 30 days and I havent received any investigation results.
Product: Debt collection

As most people are I was odviously out of sorts when they rushed me to haon in a neck brace after a car accident at the rime i had full coverage platinum PPO with XXXX XXXX XXXX Subscriber ID XXXX. See attached copy of claim during same time period., I ahve made several attemots to get this debt collecvter from stoppinf its collection efforts and removing the invalid debt from my credit. My insurance fully covers such an expense.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX FL Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

I was charged a disposition fee of {$390.00} after turning in my lease early to the same dealership I purchased the lease from. The dealer did not inform me of the disposition fee - but the part that's unusual is that it's from the lease company - Ally Bank. A disposition fee is defined as a fee charged to the person leasing the vehicle at the end of their lease to prepare the returned lease for the next buyer, but this fee is assessed by the bank and the dealer has nothing to do with this. I was originally told by several members at the dealership and at Ally auto that because I purchased a new vehicle from the same dealership - that I would not be responsible for this fee. They then said that it had to be purchased and financed with Ally auto to waive this fee. This is predatory and not acceptable behavior. 

I also tried to ask about this several times with the dealer and the bank. The bank keeps telling me they will have a supervisor reach out ( 3rd time now ) and I have yet to hear back. The dealer keeps saying I have to work with the bank. It has been a month and I can not get a clear answer.
Product: Checking or savings account

There was an unauthorized XXXX charge on my account for {$480.00} to XXXX by XXXX, on XX/XX/10. Payment ID XXXX. The bank said to reach out to the merchant. This was a fraudulent charge I tried was unable to get in contact with receipting of funds or can get any information on who to contact for this charge. I never authorized this charge to XXXX. 
I have been trying to get in contact with a rep at Truist to escalate this and am unable to get anyone other than telephone rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is ignoring my validation requests, the company received my first letter on XX/XX/2019, a second on XX/XX/2019, and a third on XX/XX/2019. All letters via certified return receipt. Validation was requested each time and ignored. Experian did not provide any contracts with my signature and provided no proof of any verified accounts. 
After receiving my third letter Experian went on to state, " Unless you send us additional relevant information to support your claim, we will not investigate this information again. '' Experian never properly verified any account, never sent any contracts with my wet-ink signature, and the accounts clearly state that it has been transferred or sold to another office. No information is provided on my credit report. My rights are being violated!
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XX/XX/2024 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$240.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

This is a follow up connected to an original complaint - XXXX I have been in contact with Barclays over 15 times by phone, sent two letters via certified letter, and sent a fax regarding this issue. I was told that my complaint was resolved, then they reposted the charges on my account totally over {$5000.00} in fraudulent and interest charges. 

Barclays is a new provider for Old Navy, a credit card I have had for years. They sent out new credit cards which would be available to be used starting on XX/XX/XXXX. I received the cards but never used them and never activiated them. The fraudulent charges occured between on XXXX XXXX, XXXX. I was notified by Old Navy of suspicious charges and immediate reported them as fraud. They said my husband 's card was used for all these purchases, but he has NEVER used an Old Navy card. Below are the dates, charges, and locations. 

XX/XX/XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX Old Navy {$400.00} XX/XX/XXXX XXXX Old Navy {$590.00} XX/XX/XXXX XXXX Old Navy {$490.00} XX/XX/XXXX XXXX Old Navy {$300.00} XX/XX/XXXX XXXX XXXX  XXXX {$210.00} XX/XX/XXXX XXXX Old Navy {$400.00} XX/XX/XXXX XXXX XXXX XXXX {$60.00} XX/XX/XXXX XXXX Old Navy {$510.00} Total = {$3400.00} XXXX, OR XXXX XXXX : XX/XX/XXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX {$500.00} Total = {$1100.00} Total Fraud in Both Cities = {$4500.00} Barclays has not sent me any information on their investigations, has been entirely unhelpful and asks me to do the investigation when it is THEIR job. In the past when this type of fraud has occured, the credit card company asked for details and for all the people in our home to send copies of our IDs to help investigate. Barclays simply says a chipped card was used and I am on the hook for it. There has been a lot of mail theft in our area- I had my debit card stolen at the end of last year. 

I have filed a police report in XXXX, OR ( Case # XXXX ) and am in the process of filing a report in the city if XXXX, OR. 

I don't know what else I can do to get Barclays to remove these charges, which were not made by me or anyone in my family or house, on a card that was never activated by me. This is poor business practice and the fact that I have to spend so much time nd effort to clear this up is ridiculous. 

If Barclays doesn't remove these FRAUDULENT charges, I will be taking further measures includuing contacting a lawyer and filing a report for arbitration.
Product: Debt collection

I sent this company a debt validation letter asking them to validate that this account is mine with a signature of mine promising to pay this debt.. I have not received that from them so they cant validate that it was me who opened this account. I am a victim of identity theft and this needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

CHILD SUPPORT XXXX XXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX XXXX XXXX {$33000.00} ; U S DEPT OF EDXXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received an email stating that a hard inquiry was ran on my credit report by Barclays Bank of Delaware on XXXX XX/XX/XXXX. 

I have not applied for credit or have credit with Barclays bank so I called and they couldnt tell me how they got my information, or Social Security number which is quite scary! 

I sent an email to Security division over the weekend to no avail. 

If they ran my credit report, they know what they ran it for? No one could answer that question for me and I dont know what to do.