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

Experian, XXXX, and XXXX have taken over 30 days to remove inaccurate accounts and unauthorized inquiries on my report. 

Affected Accounts : XXXX XXXX XXXX ALL XXXX XXXX XXXX XXXX ALL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL XXXX XXXX XXXX ALL XXXX XXXX  XXXX XXXX XXXX ( UPDATE PAYMENTS ) XXXX XXXX XXXXXXXX EXPERIAN ( UPDATE PAYMENTS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN INQUIRIES : XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 Experian XXXXXXXX XXXX XXXX XXXXXX/XX/2023 Experian XXXX XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX WONT EVEN ALLOW ME TO DISPUTE ONCE I LOG ON.. 

EQUIFAX WONT EVEN ALLOW ME TO LOG IN OR RESET THE PASSWORD XXXX I EVEN CALLED THEM TODAY AND THEY REFUSE TO CORRECT MY NAME AND ADDRESSES. 



MY NAME IS XXXX XXXX XXXX ( I HAVE NO MIDDLE NAME..CORRECT MY NAME ) MY ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX MY PHONE XXXX XXXX XXXX MY EMAIL XXXX ( i will only respond to email, no phone solicitations ) you are violating my rights with the false information. i am attaching all documents XXXX XXXX, XXXX XXXX, XXXX, XXXX my name needs to match my officail documents
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired XXXX last year that I pay {$99.00} a month to remove all negative items referencing my previous CHXXXX Bankruptcy which is Officially Discharged and paid in Full on XX/XX/2017. They are having No success with the three reporting bureaus. Equifax, XXXX   and XXXX  is reporting negative items incorrectly and should be removed or updated. They have duplicate items. Since the 3 reporting bureaus report information about consumers to a CRA, they are subject to the FCRAs Furnisher Rule, which requires that : 1 ) information that is furnished must be accurate and complete ; and 2 ) consumer disputes about the information you provide must be investigated.
Product: Credit card

I am trying to cancel my XXXX credit cards with citibank I am trying to pay the balances and close the accounts. Due to " fraud prevention '' they are unwilling to do so. I was able to pay the balance on XXXX card online but they are now refusing to allow me to cancel the card because they claim they ca n't verify my identity with out providing a relatives phone number. I was able to apply for, activate, sign up for online bill pay, and use the card with my phone number but now it is fraudulent. The other account they refuse to take a payment because they need a relatives phone number to verify the account. All I am trying to do is close these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX OF XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the XXXX XXXX office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. The information on my report has caused undue financial harm to me and my family. 
Please verify and validate all data for this account every notation dates and balances whether reported or not and also I request you give me the name of the person in your company who verified the accuracy of these accounts this is Federal Law! The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. 
Failure to respond satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking unspecified damages for the harm and delays. 

i have already disputed these items on XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX but the bureaus did not remove them nor prove validation.
Product: Vehicle loan or lease

Wells Fargo took a car back in XXXX of 2023. 

I still receive phone calls over this debt. The vehicle was sold at auction. 

Calls are made during business hours and interfere with my current place of work.
Product: Checking or savings account

I opened Chase Saving account online in XX/XX/XXXX with the promotion of {$200.00} bonus for depositing a total of {$15000.00} or more in new money within 20 business days, and maintaining a {$15000.00} balance for 90 days ( promotion link : https : XXXX XXXX XXXX XXXX XXXX XXXX ) by clicking on the " open account '', which automatically load the offer code in the saving account application. The bonus should be deposited to my saving account within 10 business days of meeting the terms and conditions. I met all the terms and condition but still haven't received the bonus by XX/XX/XXXX. I contacted Chase via online message, but was told there is no promotion code ever on the account and since the account has been opened for more than 21 days they would not be able to add the code now.
Product: Debt collection

I have a PAY PAL account. On XXXX XXXX I received an E-mail from PAY PAL indicating I had a balance of {$4400.00}. I notified them to transfer {$4000.00}. directly to my personal bank account. They did and I received the {$4000.00} into my XXXX XXXX XXXX XXXX account. I checked the following day and was informed that I OWED {$4400.00}. 
There had been 17 withdrawals from my Pay Pal account from a XXXX HOSPITAL. 
I do not know a XXXX Hospital or have ever done any business with them.

PayPal froze my account until I re-pay to them {$4400.00}. 
On XXXX XXXXthe I received the 10th collection call from PayPal. I explained to each agent about my dilemma and that I did NOT owe, PayPal. I acknowledged that I had requested {$4000.00}. from my account and it was deposited into my personal bank account. 
That I did not know a XXXX HOSPITAL. 
oN XX/XX/XXXX AT XXXX I received an e-mail from PayPal `` we noticed unusual activity on your account and are concerned about potential unauthorized access. '' At XXXX I received and e-mail that stated " We've completed our review of your unauthorized activity case. Pay Pal determined there was no unauthorized use. We found this transaction is consistent with your Pay Pal history. 
One of the Collection Agents said Pay Pal spoke with XXXX Hospital and an error had been made and XXXX Hospital sent back 17 transactions. At the same time when they were received Pay Pal forwarded them to an account they say was mine. Account # XXXX ( last four digits ). That is NOT my account and never has been ... .I did not receive any of the 17 transactions. Pay Pal says that is their record of my account number ... ... I checked all my VISA cards and contacted my XXXX XXXX XXXX and they have no record of that credit card in my name or account number. I did learn I have been with XXXX XXXX XXXX since 1979 ... .forty years! XXXX XXXX XXXX is the only VISA card I have.. I have others,, Mastercard, XXXX XXXX, and XXXX. 
Pay Pal has informed me that they were authorized for a 'charge back ' when they forwarded the money to that account number XXXX. I have pleaded with Pay Pal to use their resources to trace the owner of XXXX. I have just received the 11th collection call from PayPay asking me to set up a payment schedule to repay the {$4400.00}. 
I desperately need help.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX Date open : XX/XX/2022 {$1400.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$970.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$510.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$540.00} XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Mortgage

Sold my home and the buyers bank mailed a check on the XXXX to Bank of America and it was received by BOA on XX/XX/20. During the course of my home selling BOA changed the account number do to a system upgrade and they can not provide me any info on the status of my loan being paid off. The other bank shows the check cleared the bank on the XXXX of XXXX but BOA can not give me any info. To date I have contacted them twice via phone ( 4.5 hours on hold ) and once via email with no response or as much as a yes we have your check. Very rude customer service agents keep putting me back into the phone Que. My BOA account number was XXXX but they changed it for some reason during the system upgrade to XXXX. Payment sent was {$44000.00}.
Product: Credit card or prepaid card

I had an unauthorized charge on my account and have submitted the necessary information to the gift card company several times but they have not responded. Attached to this complaint is the form the company required me to fill out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Security Finance Corporation is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my credit monitoring account and seen unfamiliar inquiries on my account such as : XXXX XX/XX/XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 I tried to call these companies some didn't have phone number to contact therefore nothing was done to fix this issue. 
Also I have never applied for a mortgage whatsoever yet there are number inquires on my report from mortgage companies such as : XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX  XX/XX/XXXX after seeing an ad on XXXX about helping folks with placement for vending machines, I contacted XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX vending machine  at XXXX for a consultation. She assured me that she can help with placement and the purchase of a vending machine to start a small business. She requested {$1000.00} upfront to help secure the location and then XXXX for the machines. I transferred via XXXX XXXX XXXX XXXX to her account at TD bank XXXX on XX/XX/year> routing # XXXX. The address listed for her business is Contact Information XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX
Product: Mortgage

I have recently applied for a home equity line of credit from Wells Fargo with the intention of putting a small addition on my house. I have banked with Wells Fargo for about 10 years and use their internet portal to manage my accounts. This service provides a real time credit score. For me this number is XXXX ( screen shot included ). This number lured me into a false belief that I had excellent near perfect credit. Based on this number I applied for a loan with Wells Fargo with high confidence. After applying for the loan I learned 2 things. First, Wells Fargo does not use the number they show you to rate your credit on loan applications ( bait and switch ). Second, I had a small problem with my credit, an unpaid portion of a medical bill ( XXXX $ ) that was in collections and had knocked my real credit score down to XXXX a 139 point delta against me. If Wells Fargo had been showing me an accurate number I would have suspected a problem and been able to correct it. Instead Wells Fargo has been showing me an elevated number and I applied for a loan with false confidence that will now cost more because of a higher interested rate based on my lower credit score. Wells Fargo is acting in bad faith.
Product: Credit card or prepaid card

Trying to import my card data into the XXXX app. Capitalone is not allowing this
Product: Debt collection

INVESTIGATION RESULTS - DELETED The disputed item ( s ) was removed from your credit report. 
SYNERPRISE CONSULTING SERVICES # : XXXX**** XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX In response to your dispute, this item was DELETED from your credit report
Product: Bank account or service

I attempted a transfer from GE Capital Bank to another financial institution on Saturday, XXXX XXXX, 2015. I received a confirmation and GE Capital failed to contact me on Monday, XXXX XXXX, 2015, to inform me of an unsuccessful transfer. This failed transfer caused a check made out to the IRS to be returned for insufficient funds. The IRS penalized me 2 % on the amount due and 3 % interest. 
I received the attached letter from GE Capital acknowledging their error. The person writing the letter XXXX XXXX, Compliance Dept, XXXX UT Tele : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year and a half I have been trying to correct an erroneous account on my credit report. The account XXXX XXXX is old dating last activity to XX/XX/2011.Every time I attempt to get these 3 bureaus to remove it because the amounts, the status 's and the dates of last activity are all inaccurate and unverified to me after 30 plus days after each of my disputes the deny me and ignore my pleas. Instead of properly and lawfully deleting this account they are constantly changing dates around, statue 's of the account and changing the personal statements noted to the account. I don't understand what sort of investigation they are doing, who and which company they are verifying information with but it is extremely frustrating and damaging to my credit. They are not updating me on the descriptions and procedures taken to verify that it is old. Please enforce the law and have XXXX, XXXX and Experian follow FCRA laws and guidelines so that I am no longer personally affected by misinformation or inaccuracies.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I respectfully urge you to promptly take decisive action to remove the XXXX  accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$230.00} XXXX XXXX {$1400.00} XXXX   XXXX XXXX {$0.00} XXXX   XXXX {$20000.00} XXXX/XXXX   XXXX {$83.00} XXXX  XXXX {$130.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$330.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Checking or savings account

On XX/XX/2024, I wired {$160000.00} from my Attorney Client XXXX XXXX business account at XXXX XXXX  to my business account at BMO. On XX/XX/2024, I personally went to the BMO branch where my business account was opened, and I asked them to wire the funds to XXXX XXXX. I was not told that BMO did not allow their customers to wire to XXXX XXXX. XXXX XXXX  sells cryptocurrency. It is a bank in West Virginia. Its products are not limited to cryptocurrency. I was wiring the funds to a cash account - not a cryptocurrency account. In any event, the outgoing wire was cancelled, and my account was " flagged for fraud. '' My BMO business account has been frozen since then. The XXXX XXXX XXXX account money is at BMO, but BMO will not allow me to access it. They will not allow me to close my account. They will not send the trust funds back to XXXX. They have stated they have up to 90 days to conduct a " fraud investigation '' and that there is nothing I can do to access my funds. There was no fraud involved whatsoever. They will not allow me to speak with their fraud investigator. They will not allow me to speak to the " analyst '' handling the file. I need your assistance in getting BMO to unfreeze my account, allow me to access the funds, and then close all of my accounts at BMO.
Product: Debt collection

I am also making a complaint agains the original creditor. This debt should have been taken care by the VA long time ago. I have no invoice for these services.
Product: Prepaid card

I had opened up a prepaid Serve Amex to use for emergencies. I put {$200.00} dollars on when I opened and was just about to add more money when I saw that they had been charging me an almost {$6.00} fee every month. This was not disclosed when I opened the account. I am going to complain to them about itto them, but am pretty sure that they will not refund the fees. I was under the impression that this was like an Amex Gift Card that is not allowed to charge monthly fees. 

So, basically I opened this account so if I was in need in the future I would have at least {$200.00} for an emergency. 

Now after 4 months of fees, my balance is {$170.00}. 

By the time I needed it, I would have nothing. 

This is predatory. It was advertised to help someone build credit, but really they just want fees.
Product: Credit card or prepaid card

on XX/XX/2022 i noticed a {$69.00} charge on my XXXX bank account from Spirit Airlines XXXX card, i never applied for this card, nor have i ever received, or activated a Spirit XXXX  card. i call the number listed on XXXX to cancel the card, XXXX, this number goes to Bank of America, when i called it ask for card number or SSN to access account. I do not have the card number since i never received a card, i tried using my SSN but it was not found in the system. this is some shady business practices, how could i be charged if Spirit/BOA have no record of my SSN? and i have NEVER received a card. SCAM. They are taking advantage on consumers.
Product: Mortgage

Pen Fed Credit Union gaslighted my application process with claims that Ive got proof were not true. I tried working with them. This was personal or racist. Ive got notes. This appeared in cooperation with the appraiser, and they misinformed the VA about my appraisal and condition of my home. The VA then denied my application. These were made up. I did not get my benefit or a refinance. The CU delayed and delayed. I was passed around for answers and assigned new help. These people played very dumb. Its was 6 months and I then lost my locked in refinance. I did not have the issues these people will claim I had. It was claimed I had No Heater in Maine by the appraisal. I have XXXX XXXXXXXX XXXX with more than a 100 gallon tank. I had sent pictures. Other items. This couldnt be resolved so I was FORCED to give up that benefit. I am a XXXX  XXXX XXXX XXXX