23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize nor consent to the following inquiries being furnished on my consumer reports. 

1. XXXX CO XXXX XXXX XXXX XXXX, XXXX, 2022 ) 2. XXXX ( XXXX 2022 ) 3. XXXX XXXX DELAWARE ( XXXX, XXXX, 2022 ) 4. XXXX ( XXXX, XXXX, 2022 )
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX  XXXX XXXX Balance : {$700.00} ; XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX  XXXX Balance : {$2500.00}.
Product: Credit reporting or other personal consumer reports

Please review my report. I noticed the creditors are not cooperating with my request to delete this inaccurate information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have not responded to any of my letters that I sent them. I've attached the letters in the order they were sent hoping to timely cooperation from them
Product: Credit card or prepaid card

I opened an HSBC MasterCard. I requested paper statements over the phone. I never received a paper statement. I requested statements several times back in XXXX via my online HSBC account, and HSBC refused to provide a statement because allegedly one was not ready. I was never provided with a payment address to mail payments to. The online account didn't seem to have a way for me to link my bank account to the card for automatic payments. If it does it was not easy to find because I could not find it. 

I looked up the HSBC payment address on XXXX, and it was listed as HSBC Card Services, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Several weeks ago, in mid XXXX, I was aware, via my HSBC mobile app, that the first payment was going to be {$65.00}. I mailed a check for {$100.00} to the address I found. 

Yesterday, I received the check I sent back in the mail. The post office stamped on the envelope that the recipient moved and left no address, and also stamped on the envelope that the PO box was closed. 

I called HSBC, and discovered that I was now considered in default and behind on my payments. {$130.00} was due, of which a portion is a late fee. I paid this over the phone immediately. I tried calling an HSBC representative, but their office is closed right now.
Product: Payday loan

My bank said I had Id theft so my payday loan fee was returned in XXXX, happened again in XXXX. The loan company said they would put me on a repayment plan starting XXXX XXXX 2015 I said ok. on XXXX XXXX 2015 Usacashservices.com took XXXX dollars out of my checking account causing other items to bounce. I called them to ask why when the payment was to be on payment plan XXXX monthly ( XXXX way too high still XXXX they told me just to take out another loan. I do not have computer at home so I had to walk over a mile in XXXX de heat XXXX. I panic so I applied like a dummy. now I am back into oweing interest I can not afford since it will take months to recover from money lost from id theft. is there a way to make them let me make payment. what they would loan me was less than what was needed to pay the bills and the fees the bank charged me so it was very little help and left me another XXXX in debt. with them your loan does not go bad until you miss 2 payments so you owe 2 fees of XXXX plus 2 months interest. so basically double of what you borrowed. they knew a month before I was fighting the bank. the only way out is to freeze their interest I just keep owing them more than I can pay. 
I owed them almost XXXX a sec after getting loan of XXXX so they were just ripping me off. I XXXX walking to use a computer for them and have not been able to walk to a computer since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I received a notice of account closure from Discover Financial. Since I have never had an account of any type with Discover Financial, I was concerned. I called Discover, who verbally agreed to remove the account from my credit bureau report. I also pulled my credit reports and found numerous unauthorized inquiries, including some from Discover. 

Discover has not removed the fraudulent account from my credit bureau report. Instead, they are reporting it as closed by credit grantor, which hurts my creditworthiness. XXXX refuses to remove the account and the associated inquiries from my credit bureau report. In addition, XXXX has refused to remove other unauthorized inquiries from XXXX XXXX, XXXXXXXX and XXXX XXXX XXXX. This is unreasonable and has caused me harm.
Product: Checking or savings account

Wire transfer was being made on XX/XX/XXXX XXXX without my knowledge or permission. My Wells Fargo Bank for over 25 years accusing me that I initiated the wire transfer which I did not. XX/XX/2023, XXXX XXXX someone call from Wells Fargo phone number saying that multiple transaction being made from my debit card at different stores in Texas. 
The same day around XXXX XXXX I went to the nearest Wells Fargo branch at XXXX XXXX XXXX. XXXX CA.XXXX to report the call that I received. The manager XXXX XXXX of the bank check any activity or transaction being made that day and she didn't find any activities. She called Wells Fargo Fraud prevention to freeze my account and handed me a piece of paper with Fraud prevention phone number to follow up which I did. 
I requested to change my account number that day but instead she signs me for next day appointment at XXXX XXXX to open a new account. 
XX/XX/2023, at XXXX XXXX while XXXX XXXX is helping us the bank manager told us that someone conduct a bank-to-bank wire transfer to my savings account for the amount of {$8500.00}. 
We called the Fraud prevention to know what happened, but nobody knows. 
Wells Fargo Bank employee did not handle the issue seriously. '' NEGLIGENCE " as I requested to change my account number the morning of XX/XX/XXXX, but instead doing it that day I wait till next day afternoon. 
My card was used again from withdrawing money {$500.00} from my account on XX/XX/XXXX XXXX from XXXX which I received a declined notice. Wells Fargo needs to focus and update cybersecurity to secure our financial needs.
Product: Credit card or prepaid card

Wells Fargo did not make a reasonable effort to get in touch with me regarding a delinquent credit card payment, which eventually resulted in a 30 day late. The phone number they had on file was an old and obsolete phone number that should have been updated in XXXX when unnecessary accounts were opened for me. Their collections department contact the old number on file and did not use the alternative phone numbers they had on file to get in touch with me. I believe that Wells Fargo holds equal responsibility in this matter and should recall the 30-day late they reported to the credit bureaus. I have paid this credit card as agreed for 11 years and have not had a single 30 day late. This is not a situation in which I am asking for a favor. This is a situation in which Wells Fargo has equal responsibility for not making a diligent enough effort to contact me. 

I tried to resolve this matter with Wells Fargo 's Customer Advocacy Group, and the representative XXXX lied and contradicted herself multiple times. She told me that she started working my case on XX/XX/XXXX, the day after it was submitted on XX/XX/XXXX. When I followed up regarding this case on XX/XX/XXXX, she told me that she also sent me an email XX/XX/XXXX, which was never sent and is not in either of my inboxes. After a frustrating conversation with her, I felt it was necessary to hang up in order to cool off. I called back about 15 minutes later. During this call, XXXX told me that she had not actually even started working my case yet. On the prior call, however, she kept telling that it was my responsibility to pay the credit bill on time. I find it absolutely shocking and completely unprofessional to treat a consumer the way I was treated. Absolutely unacceptable. I find that XXXX 's lack of investigating this issue and trying to blame the problem on is not keeping this claim impartial and objective, and believe there is a bias against me. Upon stating my concerns and asking for additional information, such as access to XXXX account records, XXXX kept deferring my inquiry to the credit bureaus to resolve. The credit reporting agencies can not assist me with records and retention pertaining to the opening, closing, and maintenance of my checking and savings accounts with Wells Fargo. Upon expressing these concerns to XXXX, she hung up on me.
Product: Mortgage

After I wrote to the CFPB, I heard from Wells Fargo Representative a XXXX XXXX. I do not recall her last name at this point. She was not very pleasant and insisted that this is the first time Wells Fargo has ever done anything like this as far as ceasing the foreclosure on a home so late in the process. She also explain the foreclosure not has been called off and there is no foreclosure date at this point. 
I have submitted all paperwork for a short-sale to my realtor XXXX XXXX of XXXX XXXX. They have since submitted as of Friday XXXX XXXX, 2016 to Wells Fargo Home Mortgage. XXXX XXXX has a buyer for my home which that person qualifies and have submitted that paperwork as well. All the hard work or leg work has been done. My fear is that Wells Fargo will turn down the short-sale like they have done previously before, CFPB became involved at which I qualified for. 
They did not hear any request even when I told them I had a buyer. Wells Fargo Home Mortgage just ignored my request. They set a foreclosure date until CFPB became involved. Now the foreclosure date is removed. 
I am disable and a veteran. I have no income to relocate. I am still awaiting on the Appeals from both my VA and Social Security XXXX. This short-sale and the relocation monies, it will greatly improving my chances of not being homeless, restore my credit, and XXXX day buy another home. If not given this opportunity my credit will be in shambles and very hard for me to start over. 
As I have stated above, it was unlikely for Wells Fargo to hear anything I said and they did not want to help me but pretended they would help. I am a first time homeowner, and I know nothing about buying a house or the litigations of what banks can do to homeowners or the power they have of not helping the homeowners, but pretend they are helping by sending letters saying they are here to help ; but when you call them they become very evasive and speak in terms that no ordinary person would understand, only a person who has a XXXX XXXX could comprehend. I feel helpless and fearful that I will be homeless very soon. Please Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly correct or remove these items right away! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I just reviewed my credit report again and found a number of accounts that do not belong to me. Besides the accounts I previously complained about, there are new accounts as well. I am being harassed daily and inaccurate personal information continues to be reported. My complaints have not been adequately addressed, and I urge you to correct this immediately, otherwise I will engage a lawyer since I am continuously denied housing as my credit score drops.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit inquiry, unauthorized on showing on credit report XX/XX/2018, called and sent in a certified letter to ask for verifiable authorization for running my credit report. I did not authorize any type of company
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently informed while house hunting that I was attached to two socials and this is common with identity theft. I also noticed some Inquiries that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  with XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX  and experian I also tried to call in to get security freeze removed again and was unable to do so.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate names, addresses, and employment information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These names, addresses, and employment information : NAMES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. ADDRESSES : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX. EMPLOYMENT INFORMATION : XXXX XXXX, XXXX XXXX, are inaccurate. According to 15 USC 1681s-2, 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 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 30-day 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 Account Number : XXXX Account Name : XXXX AUTO Account Number : XXXXXXXX XXXX XXXX XX/XX/year>
Product: Bank account or service

I opened my checking account with Chase on or about XX/XX/XXXX and I paid extra to have a line of credit as overdraft protection. I 'm also in the XXXX and have had difficulties getting the automatic deposits on time so in the past year I have had overdraft fees because the line of credit had been near the maximum. Luckily after explaining the issue, Chase has refunded XXXX of the fees. In order to avoid this problem, I saved up and paid off the line of credit of my overdraft protection so that in case something happened and I went over the limit the line I would be protected. My line of credit has been paid off for 3 months now to protect myself. 

This Monday ( XX/XX/XXXX ) I made a credit card payment knowing that I would go over the limit but trusting that the line of credit was empty and would protect me. I was shocked to find out that chase had cancelled the line of credit overdraft protection without telling me. 

I called Chase and they told me that they discontinued the line of credit and that the only protection I could have was by opening another account with them. I told them I did n't want a new account but I wanted the line of credit I had paid for and have had for years. They said that I can only open a new savings account. I told them that they should not force me to get a product I do not need or want because that is what got XXXX XXXX in trouble. They told me it is company policy. 

I told them I was a military member and that I would file a complaint for this unnecessary upselling. They told me to do as I wished.
Product: Vehicle loan or lease

Yesterday, XX/XX/XXXX, when I was getting ready to go home after work, I couldnt locate my vehicle. I started to panic. There arent any notice or anything. So I called the sheriff. Turns out, it was towed by the finance company I loaned the car from. I am 6 months XXXX, with a very complicated XXXX, and I have no car to get home. I was stranded and didnt know what to do. I was asked to call the company, someone answered and told me to call back at XXXX the next day. So I did. I was given XXXX different numbers to call, one after the other. Finally it was confirmed that it was repossessed. 
I was struggling to make payments ever since the pandemic so I requested for extension which they granted. But i still cant pay back that balance. I was still making one payment after the other. Anyway, I called and talked to the lady. I explained to her that I need to retrieve some important items in my car which is my presciption medicine. She said my appointment is not til Friday morning. Its only Wednesday. Shes expecting my XXXX XXXX to settle down on its own until then? This is so inconsiderate. I know I owe money and I am willing to pay, but this is against human rights.
Product: Student loan

This complaint concerns ED Financial 's unwillingness to reapply a payment. On XX/XX/XXXX I made a payment to my ParentPlus loan for {$8500.00}. This was a tuition refund from my daughter 's college because she decided to take a term leave. Therefore, I immediately made the corresponding payment to my ParentPlus loan. 

However, EDFinancial misapplied the payment to my other student loans which I have been repaying over an extended ( 20 year ) period since XXXX. I incurred these loans when I was in grad school. I suspect EDFinancial applied the payment to these loans because it had a 4.125 % interest rate versus the 6.31 % ParentPlus loan. 

I contacted the servicer on XX/XX/XXXX by phone and by email to request reapplication of the payment into the correct loan group. EDFinancial replied on XX/XX/XXXX asking me to contact the new servicer instead. Unfortunately, I do n't have access to the new servicer yet because my original student loans ( from grad school ) are now under review for the Public Service Forgiveness loan program. I am afraid that if left uncorrected, my loan balance that qualifies for loan forgiveness will be lower by {$8500.00}. Also, I will be left with a ParentPlus loan with a higher interest rate. 
I am hoping you can help me in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : As of my dispute, your agency is in outright violation of the FCRA.

Specifically, the following : 1. Exceeding the 30-day requirement to respond 2. Willfully using delay tactics and not sending reports 3. Not responding at all Please see items in dispute below and immediately remove from my credit file INQUIRIES XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX   XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX/XXXX  XX/XX/2018 unauthorized XXXX  XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX/XXXX/XXXX  XX/XX/2018 unauthorized XXXX/XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX/XXXX/XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX   XX/XX/2018 unauthorized PUBLIC FILINGS US BKPT CT IL XXXX   XXXX not mine Identification already on file, no changes, please notice your internal notes, please notify me of what is suspicious about this request. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 
They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) 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. 
If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.Account : XXXX XXXX XXXX  credit card XXXX Account : XXXX XXXX  XXXX credit card Account : XXXX XXXX XXXX XXXX credit card Account : XXXX  XXXX Education Account : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX charge card Account XXXX XXXX XXXX XXXX XXXXXXXX Account Account : Account