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

XXXX XXXX XXXX  refuses to take my name off early warning services all debts have been paid and they refuse to update the information that was cross reference with my social security number. I contacted early warning services this morning and was told to contact the institution the supervisors of XXXX XXXX XXXX  have no means to help. XXXX XXXX XXXX  is the worst financial institution because they cross reference my ssn with a fraudulent account
Product: Credit reporting or other personal consumer reports

The CFPB claims that " We aim to make consumer financial markets work for consumers, responsible providers, and the economy as a whole. We protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law. We arm people with the information, steps, and tools that they need to make smart financial decisions. '' You claim to protect me from unfair, deceptive, or abusive practices and take action against companies that break the law. On XXXX different occasions I have reached out informing you that the XXXX credit bureaus are trampling over my rights and has repeatedly and continues to report inaccurate and incomplete information on my credit profile for the following account. Company : Wells Fargo Account # XXXX. On XX/XX/XXXX I file a complaint with all XXXX credit bureaus ( XXXX ). On XX/XX/XXXX the credit bureaus responded that they have completed a thorough investigation and confirmed that they were reporting accurate information. On XX/XX/XXXX I file a complaint with all XXXX credit bureaus ( XXXX ). On XX/XX/XXXX the credit bureaus responded that they have completed a thorough investigation and confirmed that they were reporting accurate information. Why do you continue to let the credit bureaus break the law? I have attached XXXX inconsistent credit reports from XXXX, XXXX XXXX, and XXXX showing the inaccurate reporting. Please note that XXXX XXXX was reporting a 30 day late from XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX reports a 30 day late, XX/XX/XXXX a 60 day late, XX/XX/XXXX a 90 day late and XXXX reported a charge off. Now it has been so called XXXX XXXX XXXX XXXX for XX/XX/XXXX and 30 days late from XX/XX/XXXX through XXXX XXXX day late in XXXX of XXXX and charged off in XXXX of XXXX. Throughout the report an X has been placed indicating that the payment status is unknown. Again, this creditor is required by law to disclose 100 % complete and accurate information. If the creditor has admitted that they are reporting unknown information, how can they say that this report has been 100 % verified? Attached is the XXXX report obtained from Annual Credit Report showing the incomplete and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, Jackson automotive ran my credit without my consent. I didnt know until I recieved all the letters in the mail from all the banks and loan companies they ran it through. I wasnt looking to buy a car or anything I was just looking. I have a car thats great. They took down my information, said its routine just in case I change my mind and came back. I did not authorize them to run my credit. I would like it disputed of my credit report.
Product: Checking or savings account

Submitted a complaint because I did not receive both items in my order when ordering with XXXX that came in the same box. Was asked to submit information via email in which I did and the next day Capital One emails me denying my claim stating I never sent anything via email. When I have proof of emailing them and even offered to forward the original email again. Called Capital One today XX/XX/23 and spoke to XXXX on XX/XX/XXXX where he told me I had until XX/XX/XXXX to submit the information. After him telling me that I asked how a decision can be made on a claim especially if I have until the XXXX, submitted before the XXXX and it's not even the XXXX yet.
Product: Checking or savings account

I was shown a promotional bonus offer of XXXX dollars in the citi XXXX. I clicked the link and applied for the account. I was approved and deposited the XXXX dollars as required. The promo bonus has not been paid past the advertised time. I have called citi and spoken to their support several times each one giving different reasons why it hasn't been paid. The last response was that I cant provide a promo code, that isnt supplied when applying. I have been yelled at and lied to by their support and just want to receive the bonus as I followed all of the requirements. I feel as it they are not wanting to do what was promised.
Product: Credit reporting or other personal consumer reports

I disputed incorrect information on my credit report on XX/XX/2023. This information is still being reported and its inaccurate, even after providing proof of documentation.
Product: Debt collection

XX/XX/year> A XXXX XXXX contacted me around XXXX stating that I have a balance of {$1000.00} and I could pay it off with a one-time settlement payment of {$450.00}. The creditor is XXXX XXXX XXXX. It was stated that this payment must be paid my Friday, XX/XX/year>. It was also stated that that email was the last and final notification and legal charges against me and will be served with court papers soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX XXXX XXXX XXXX XXXX and/or XXXX XXXX mortgage ( account # XXXX ) from my credit report This account is incorrect and does NOT belong to me My mortgage is with Rushmore Loan XXXX XXXX and therefore my credit report should be updated accordingly My loan number - account number with XXXX XXXX  XXXX XXXX XXXX XXXX I have been with them since XXXX of 2020 I have requested this previously with TransUnion and XXXX and they have YET to update my credit profile, this has resulted in denial of employment to me & has caused me financial stress I have been a victim of their breaches and their failure to remove the information can and will result in a lawsuit as per FCRA regulations Are they colluding since their business entity is a publicly traded company and this seems to be some sort of extortionate credit transaction??? 

This incorrect information has also caused a denial of extension of my own credit to me I disputed this account also with XXXX & they fairly and accurately looked into this matter and have deleted it from my credit report SEE ATTACHED for proof of deletion with XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on ( XX/XX/XXXX ). According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 15 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Credit card

About XX/XX/year> I emailed a request to cancel my Chase bank Private Client Debit Card. XXXX responded that he can't. I responded with a demand that the card be canceled immediately. No response after that. 
XX/XX/year> I contacted by email XXXX XXXX for help. I tried emailing XXXX the bank XXXX but no resonse. XXXX sent my email to the complaint escalation dept. on XX/XX/XXXX. 
XXXX XXXX I received a letter from Chase bank XXXX XXXX XXXX XXXX saying the had not been able to reach me. I've had no problem emailing XXXX XXXX at Chase bank. 
Bottom line is I demand my Private Client Debit Card be canceled immediately as I demanded on XX/XX/year>.
Product: Money transfer, virtual currency, or money service

I have an account at Chase bank.i received a text message on XX/XX/XXXX at XXXX saying that it was my bank and that they were trying to make a purchase of XXXX and that I should click on the link to cancel the transaction.well I freaked out and clicked on the link to cancel.Then it told me that if I wasn't the person making the purchase, I should enter the code that it was going to give me and, on instinct to save my money I think I did it.My internet was very slow at the place where I was working and I was desperate because they were going to XXXX me and my internet was slow and frozen.i barely know what I did.i went back and forth several times to try to stop it until I saw that it said finished.After about XXXX minutes I opened the account to see if everything was okay and there I could see that I had been a victim of fraud.They transferred XXXX XXXX dollars from my savings account to my checking account and they transferred XXXX dollars to an account in a bank in XXXX XXXX I called to chase.and report I called to chase and reported the fraud.i filed a claim with the FBI and went to the bank and filed a claim and they closet it and refuse to help me get my money.My bank also lied to me on the XXXX telling me that the bank of XXXX already knew that the transfer was fraudulent and that my money would be returned.several days went by and I returned to the bank when I saw that they were not giving me my money back, and that's when they had closed my case and that they would not return anything to me
Product: Credit card or prepaid card

On or about X/XX/2017, I reported five credit card fraud transactions to Wells Fargo Bank totaling approximately {$4000.00}. I stepped into a XXXX XXXX and reported the fraud. All but two transactions were removed. Those two transactions, totaling {$790.00} were posted to my new card. It was subsequently determined that there was a breach in the Wells Fargo security and the bank determined I suffered from an account takeover. I reported again that these two transactions were fraud. The bank started an investigation and indicated that they determined they were legitimate transactions. I faxed a request for them to reconsider their decision and they reopened an investigation. In the meantime, I contacted the Wells Fargo fraud department and we determined that a " fraudulent '' fraud report was generated at the XXXX XXXX branch on X/XX/2017. The fraud report contained " fake '' fraud disputes of transactions of {$10.00} or less since XXXX 2017. These were legitimate charges. This is useful since I made credit card payments " validating '' these fake fraud disputes since XX/XX/XXXX. When the real fraud dispute occurred in XX/XX/XXXX, I had made no payment since XX/XX/XXXX ; however,  the history of making payment against " fraudulent '' fraud claims made the bank rule against me and forced me to honor the large transactions.The bank employee that filed the " fraudulent '' fraud report no longer works there. I believe she was part of the scam ( knowing the bank business rules about paying on disputed claims ) and Wells Fargo know this and wants to cover up by sticking me with the bill. Wells Fargo has refused to provide a copy of the fake fraud report generated on X/XX/2017. They also indicated in their rejection letter that no new information was made available. This is not true since we determined that fraud claims on transaction prior to X/XX/2017 were fake.
Product: Vehicle loan or lease

My financing company has broken a number of federal laws from the tila laws ranging from unfair practices, fcra violations, repo violations, producing the accountant ledger which shows the transaction made between them and whom they purchased my alleged debt from.Also my account validation and not verification.
Product: Debt collection

i did not recieve medical attention in 2020 nor would my actual medical records reflect that
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX and transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX and Transunion consistently responds within 24 hours stating the account accurate, without providing any evidence of a through investigation. The practice violates the Fair Credit reporting Act, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 

XXXX XXXX is the account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the Credit Reporting Agencies ( XXXX, Transunion, and XXXX. ) They have failed to remove information that was affiliated with personal details that were challenged in the past. 

Consistently reporting erroneous items is a clear violation of the law. The negative items on my credit report can not be authenticated to be certified under testimony to be true and accurate. 

I strongly believe they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card or prepaid card

In XXXX I was sent a credit card statement saying that I owed {$99.00} for a credit card with CitiBank that I never applied for. 

I have never received the card and do not want it. I will not pay {$99.00} for a card I do not want and will not use. This seems like a scam to me. When I called the XXXX number I got a person in a foreign country with terrible English who wanted my social security number which I will never give over the phone. 

I wrote a letter on XX/XX/XXXX to the CitiBank address on the statement and I have never gotten a response. The company has no working email address on their website. 

I tried the chat feature on the website. This time I got a phone call from a person with a thick Russian accent. She also request my SSN, which I did not give to her. 

I continue to get threatening emails from CitiBank. I no longer get the robocalls because I blocked the number. 

I can not give anyone the credit card number because I never received the card and it is not on the statement. It gives the last four numbers as XXXX. Is there a way to resolve this without giving someone my social security number?
Product: Debt collection

On approx XX/XX/year> Lakeview Loan Servicing LLC, XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX filed a fraudulent foreclosure case against the consumer. After requesting validation of any alleged debts, they failed to provide any proof that there was ever a contract to do business let alone proof of any debt owed. They are guilty of fraudulently filing the foreclosure via hearsy, slander, libel and harassment of the consumer. They are also guilty of identity theft and filing fraudulent records in the county courts as well as the local law bulletins further tainting the consumers name and ruining her reputation and credit worthiness. They stole the consumers idenity as well as the consumers family members including the children 's identities for unjust enrichment. Consumer never heard of these companies until the fraudulent foreclosure case was filed. They also used skip tracing technology to infiltrate the consumer 's life without consent.
Product: Student loan

I have been making payments through out the entire pandemic. I am a single mom, working very hard to keep my child and I afloat in this difficult time. I missed two payments, because they are too high and the company refuses to unserstand/work with me. Lincoln Tech has been harassing me over the two missed payments, calling my JOB! as well as threatening me. Not only this but when I check my credit report it states that this account has been " charged off '' as bad debt and profit and loss write off. Meanwhile, I have been making payments the entire time. This is terrible and they need to be put in their place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # XXXX Transunion XXXX XXXX does not show on my report as of XX/XX/XXXX File # XXXX It does not show and it is right according to the report mail to me on XX/XX/XXXX by Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  account # 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.
Product: Mortgage

My uncle XXXX XXXX XXXX had a line of credit with Wells Fargo secured by his residence, XXXX XXXX XXXX XXXX XXXX XXXX  My uncle passed away on XX/XX/XXXX. His wife, XXXX XXXX XXXX, predeceased him. There were no surviving children, grandchildren, etc. In XXXX XXXX XXXX, my cousin and I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX visited Wells Fargo in XXXX to determine what, if any, accounts were open. We were told that there were none in our uncle 's name. 
The residence passed to my XXXXXXXX XXXX  and me by operation of law at my uncle 's death. In XX/XX/XXXX we entered into an agreement to sell the residence. The title company identified that there was a line of credit on the property and needed a letter releasing the lien. Multiple calls and visits to Wells Fargo went no where. Wells Fargo has been provided with the death certificate, deed of trust, SSN and other information ( by my cousin, our attorney and me ) but thus far has refused to release the lien without the account number. We do not have an account number and until that time did not know an account existed. I did find a receipt for payment of a balance in XXXX, and our attorney forwarded this to Wells Fargo, but the account number on the receipt was shorter than the required number. 
The prospective buyer has been very patient thus far, but we do run the risk of the contract falling through if this one outstanding item can not be provided. Even if we are able to find another buyer, we will encounter the same problem with another title company.
Product: Mortgage

Our Client got approved a XXXX in XXXX, Lender stated they mailed the XXXX agreement letter to our clients address on XXXX, but the letter says it was mailed to our office XXXX XXXX. Our office was never contacted, we never received the letter in the mail, they refused to speak with our client, we asked if there was a deadline, they stated there wasnt and to just have the client sign and send it back, but letter states that there is a deadline. They have given us conflicting information and are now stating that the sale for XXXX will mostly not be stopped - Our client is now in receipt of the approval and will be sending the signed agreement to the lender directly and a copy to our office and we will also be sending the approval letter via fax -
Product: Debt collection

XX/XX/XXXX I paid {$100.00} to XXXX XXXX XXXX XXXX XXXX. On or about XX/XX/XXXX I received a collection notice from collection company in XXXX. I advised the company that the debt was paid provided a company receipt. Paid the date of service. 
In XXXX of XXXX, I was contact by second collections company on amount due supposedly due. ( {$100.00} ). I called the agent, and they said that my XXXX dollar payment was for something else. I advised that had not received any billing for additional charges since th4e date of service I sent them a copy of my receipt of payment. I Had my attorney to send a letter requesting proof of debt or debt clearance. 
No information was ever received. Contacting service provider directly to try and clear. 


Professional Finance Co XXXX XXXX XXXX XXXX., XXXX XXXX # XXXX XXXX, CO XXXX
Product: Prepaid card

I opened a chime checking account on XX/XX/year>. I have my XXXX XXXX  XXXX direct deposits on my account opened with the phone number XXXX and XXXX I received my XXXX direct deposit but yesterday XX/XX/year> I began getting strange texts that I didn't request or verify. My account was fraudulently accessed and account info changed so I can longer access my own account and access my XXXX benefits. I have been on the phone with chime and discriminated against with my VALID form of MT STATE ID. At any rate. I am an XXXX veteran with XXXX and need help to report chime for breeching my personal info and possibly XXXX or the phone company. There is a XXXX thing that allows others to copy my phone info. I need help. I have supporting documents.
Product: Bank account or service

I had a checking account with Chase Bank. The account was closed by them after I deposited a check through there online app. the check never cleared and they are now trying to charge me for this check.
Product: Credit card

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -NOT A DUPLICATE -- -- -- -- -- -- -- -- -- - I AM THE ORIGINAL CARD HOLDER AND ORIGINAL CREDITOR ( see 15 USC 1691a Definitions BY CONGRESS ) I HAVE EXERCISED MY RIGHT TO CREDIT BEING A RIGHT GRANTED WITH WELLS FARGO FOR AN EXTENCION OF MY OWN CREDIT. WELLS FARGO HAS OBTAINED MY SOCIAL AKA CREDIT CARD ( ASSET/SECURITY ) AND HAS NOT GIVEN ME ANY BENEFIT IN RETURN THS IS A VIOLATION UNDER 15 USC 1644 FOR UNAUTHORIZED USE OF A CREDIT CARD. MY SOCIAL AKA CREDIT CARD IS USED FOR THE SOE PURPOSE OF EXTENDING CREDIT WITHIN THE BNAKING SYSTEM. IN MY CONSUMER CREDIT TRANSACTION WITH WELLS FARGO THEY HAVE OBTAINED MY CREDIT CARD AND APPLICATION ( NEGOTIABLE INSTRUMENT see UCC3-104a ) BUT HAVE DENIED ME MY OWN CREDIT THEY HAVE ALREADY RECEIVED MONEY FOR BY THE FINANCE CHARGE THERE FOR WELLS FARGO HAS DISCRIMINATED AGINST ME UNDER THE ECOA. -- -- -WELLS FARGO HAS COMMITTED SECURITIES FRAUD AND WILL RECIEVE A IRS AUDIT UNDER IRS FORM 3949a and IRS FORM 211 -- -- UNDER TILA SINCE MY RIGHT TO RECIND WAS NOT DISCLOSED TO ME AT THE POINT OF DISCRIMINATION THE DEAD LINE TO RECIND Is NOT 3 YEARS. I OFFICIALLY EXERCISE MY RIGHT TO RECIND AND DEMAND WELLS FARGO SEND BACK TO ME MY -- ORIGINAL CREDIT APPLICATION -- OR THEY WILL BE IN BREACH OF THEIR TRUTH IN LENDING REQUIREMENTS AND HEAVELY LIBALE FOR DAMAGES