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

Date XXXX/XXXX/XXXX amount {$41.00} at XXXX XXXX store NO. # XXXX XXXX XXXX XXXX XXXX WA XXXX. Cashier # XXXX My check was Denial on the decision of XXXX XXXX out of XXXX Texas XXXX XXXX. I have fantastic credit, home owner, with NO habit of writing bad checks and have money in my bank account!! call this company and all they could tell me is : well ... we have not check your bank account you just wrote to many checks for XXXX day! I wrote XXXX checks that day and that was my XXXX. ITS XXXX!! I am so upset! I stood in line to be refused by some that that company is BASE OUT OF THE XXXX ... .... named XXXX who 's ID number is XXXX I feel very violated, disrespected and been discriminated no base 's of facts!!!!!!!!!
Product: Checking or savings account

On XX/XX/XXXX I received an email regarding a purchase confirmation on my XXXX account. I di not make this purchase so I immediately looked at my checking account with Regions Bank and saw this charge as well as two charges to XXXX for purchases that I did not make. I called my bank and notified them that my card and accounts had been compromised. At this point, only one transaction had cleared and two were still pending. They opened a dispute for the charge to XXXX that had cleared but told me that I must wait until the two pending charges had cleared before I could open a dispute for those two. On XX/XX/XXXX I was charged an NSF OD fee of {$72.00}. On XX/XX/XXXX I was charged an NSF OD fee of {$180.00}. On XX/XX/XXXX I was charged an NSF OD fee of {$36.00} and on XX/XX/XXXX a paid overdraft fee of {$140.00}. All these charges were a result of the pending fraudulent charges on my account because my previous made charges were coming through while these pending amounts were still there. I contacted XXXX who was able to refund one of the charges on XX/XX/XXXX ( 6 days after the charge was made ) On XX/XX/XXXX I was able to dispute the two charges that had been pending for 5 days as they had now cleared. I contacted my bank again to dispute these charges. I received notice from my bank on XX/XX/XXXX that they did not find the first charge to XXXX fraudulent. I faxed in a login history for my XXXX account showing login attempts in XXXX, XXXX, California, and several attempts to change my password. I then received notice from Regions Bank that they would not refund the two fraudulent XXXX charges even though I sent in the order confirmations where the hacker was ordering mattresses and shipping them all over the united states because they said XXXX refunded them to me. XXXX refunded one charge only but this was 6 days later. I visited my local branch on XX/XX/XXXX and explained what ws going on and provided all documents supporting. The branch employee told me that everything is done through a computer system and that is likely why it was denied. I have not heard anything since. I am now out {$640.00} betwen the thieves online and the thief, Regions Bank. I should not be charged {$430.00} in NSF overdraft fees from my bank that were a result of identity theft. I am the victim! I have contacted the XXXX Police Department to file a report but was told I would need an affidavit from my bank. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting me as 30 to 60 days past due on the XXXX/Auto account number XXXX. This account has a {$0.00} balance and {$0.00} past due. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Credit reporting or other personal consumer reports

I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and upate these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

First, they cancelled my credit card with no forewaning that the service would be interrupted due to them changing the product, that Id be required to PURCHASE if I wanted to remain a customer. Then, I purchased the credit building service, under the impression that it would immediately reflect on my credit reports, boosting my scores with all 3 bureaus. It did not! After I had spent over {$180.00} for 2 months, with no results, I requested a refund, which I never got. I requested to cancel the account, which they did not grant. They fraudulently continued to attempt to charge my bank account for a service that I was not receiving results from, which then resulted in the overdrafting of my checking account. My credit union has since closed my account because of a negative account balance, directly charged from XXXX and is now reporting negatively on my credit report and is still due. XXXX has since STILL been attempting to bill this card and I have the notifications to prove it. It has not stopped and its been already 30 days that my checking account has been closed, which speaks volume to the predatory practices they are implementing through their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed 14 student loans and 7 inquiries on my Experian credit report that does not belong to me : U S Dept of ED XXXX XXXX / XXXX  ... XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED XXXX XXXX XXXX XXXX  ... XXXX Date the account was opened XX/XX/XXXX U S Dept of ED XXXX XXXX XXXX XXXX ... XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED XXXX XXXX XXXX XXXX XXXX XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED XXXX XXXX XXXX XXXX XXXX XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED XXXX XXXX XXXX XXXX XXXX XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED / XXXX XXXX XXXX XXXX XXXX Date thXXXX Account was opened XX/XX/XXXX U S Dept of ED / XX/XX/XXXX XXXX XXXX XXXX XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED /XX/XX/XXXX / XXXX XXXX XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED / XX/XX/XXXX/ XXXX  XXXX XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED / XX/XX/XXXX / XXXX  ... XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED / XX/XX/XXXXL / XXXX  ... XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED / XX/XX/XXXX / XXXX  ... XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED / XX/XX/XXXXL / XXXX  ... XXXX Date the Account was opened XX/XX/XXXX I noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Reporting Act ) these unverified and unauthorized inquiries must be deleted : XXXX XXXX.. Unauthorized Inquiry ... XX/XX/XXXX XXXX XXXX XXXXXXXX.. XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX. Unauthorized Inquiry ... XX/XX/XXXX Experian XXXX XXXX... Unauthorized Inquiry ... XX/XX/XXXX XXXX XXXX... Unauthorized Inquiry ... XX/XX/XXXX XXXX XXXX... Unauthorized Inquiry ... XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX... Unauthorized Inquiry ... XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Achieve has refused to respond to my dispute claim with XXXX XXXX XXXX. I have disputed the inaccurate information reporting on my consumer report with Achieve and was told by manager XXXX XXXX that the inaccurate information would be updated. After many months speaking to XXXX XXXX my consumer report has not been updated. Subsequently in XXXX, 2024 after almost 2 years Achieve reinstated inaccurate information on my consumer report after I file a case with the XXXX XXXX XXXX for my dispute with Achieve. Reinstating inaccurate information on a consumer credit report in a violation of the Fair Credit Reporting Act. I have attached proof documentation of my dispute letter with XXXX and my consumer reports showing the inaccurate 30 day notice showing that they were not there for almost 2 years and reinstated in XXXX, 2024.
Product: Mortgage

I received a letter dated XX/XX/21 regarding a 30-day foreclosure notice stating my loan modification was denied because there are liens on my property that were not satisfied in time. That time frame was XX/XX/21. This statement is inaccurate as I emailed a satisfaction letter from XXXX XXXX in XX/XX/XXXX 2021 along with my loan modification application. I spoke to a representative several times and each time I was told that I still did not have a free and clear title. When I called XXXX XXXX, they informed me there were no liens on my property. I then proceeded to call the recorders offices in which they also told me there were no liens on my property. It is now XXXX and Sun West Mortgage is telling me liens are still showing up on my property. I went on to the Clark County Recorders office website and pulled up the records that show the liens were released in XXXX and XXXX of 2021. Today when I called Sun West and spoke to someone, I was appalled to find out there has not been a new title search since XXXX of 2021!!!!! This is unacceptable!!! 

The negligence from Sun West that has not even bothered to do a new title search is incomprehensible! The fact that I have waited for MONTHS because Sun West can not get their act together and pull a new title report is criminal as they are now threatening to foreclose on my house on something that was taken care of back in XXXX!! This could have all been resolved in XXXX had Sun West done a little due diligence and looked this up themselves, but instead worked from an old title search. I have emailed screen shots from the Clark County Recorders to Sun West showing all the liens have been cleared. The recorders office told me they could not provide me with copies of the stamped lien releases, but I was able to see the release on their website. Sun West Mortgage is threatening with a 30 day foreclosure notice after their egregious oversight by stating I did not have a free and clear title when there is proof that is has been free and clear since XXXX of 2021.
Product: Credit reporting or other personal consumer reports

In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 section 602 ( a ), it is mandated that consumer reporting agencies, such as XXXX, Experian, and XXXX, exercise their significant responsibilities with fairness, impartiality, and due regard for the consumer 's right to privacy. 

Referring to 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the respective consumer. To this effect, neither the financial institution, as defined in 15 USC 6802, nor the consumer reporting agencies, XXXX, Experian, XXXX, etc., possess my consent, whether explicit or implied, to disclose my information. All forms of consent, be they verbal, non-verbal, written, implied, or otherwise, are hereby revoked. 

Moreover, in compliance with 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how to exercise the nondisclosure option. In this instance, I was never informed of my right to exercise such an option. 

Lastly, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. This decision is made in light of the aforementioned legal provisions and the failure of the financial institution and consumer reporting agencies to uphold the necessary procedures and disclosures as mandated by applicable laws.
Product: Credit reporting or other personal consumer reports

I submitted multiple requests to remove inquiries not requested by me and not given correct information in my name with lenders. XXXX did not remove the inquiries. I called and spoke with them to remove them, but they still have not.
Product: Mortgage

I had prequalified with XXXX according to their screening process, provided all financial information of my income, recurring debt and salary history, XXXX payroll documents to see if a could prequalify for a refinance and lock in a rate. 

Even had emails and text messages with the XXXX of XXXX, XXXX XXXX helping me to get my application going. Everything was set and approved to proceed according to all paperwork need and credit report pulled. 
The rates were at XXXX for a XXXX year refinance and was ready to proceed with document signing. By XXXX to late XXXX, the rates changed and get the impression that XXXX had changed its mind internally to find ways to cancel my locked rate and sell me another loan at a higher rate with higher fees on the last day the loan had expired, or so they said it was expired. 

I have email and documents of the paperwork approvals and loan agreements of my claims.
Product: Student loan

A Loan was approved by XXXX XXXX on XX/XX/2018 Account # XXXX ; Application ID : XXXX for XXXX XXXX XXXX ; Cosigner XXXX XXXX XXXX, for loan amount {$12000.00}. XXXX thought she had the wrong amount in and called XXXX XXXX, who told her to just cancel the loan and redo it. She did this and after talking to school advisor, found out that it was a little less and she refiled it. XXXX XXXX turned it down and told her that she needed a new cosigner. We called XXXX XXXX and was told just file a lesser amount of {$12000.00}. We did so and it was kick back with the same answer, to get another cosigner. 3 times a hard credit check was done on my credit. Lowering my credit each time. First approved then not so, twice. Sincerely XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX age XXXX.
Product: Debt collection

The collection agency is in violation of law for reporting inaccurate and fraudulent collection account reported from my credit report.
Product: Checking or savings account

Wells Fargo allowed 10 accounts to be opened in my name. These accounts were then closed and then very difficult to track by Wells Fargo employees themselves. Due to Wells Fargo 's illegal business practices, I have lost 10 years of my life and many relationships due to the stress that this has caused me. Wells Fargo continues to deny any wrongdoing, provides the same answers to my questions, and will not provide any statements to me that will help identify who illegally accessed my account. I can only hope to be directed to the appropriate government agency to report these types of illegal banking practices so that nobody has to lose their life to greed like I did. I had over XXXX in my savings before opening an account at Wells Fargo- I was bankrupt shortly after and left with no answers. I have never had such a breach of my personal information in my entire life. Why was I not contacted at all by Wells Fargo until after they were sued by another party for similar banking practices? I am a victim of a crime that has been largely ignored but shouldn't be- it is very serious to be evicted, not be able to afford gas, or food because someone has broken into your bank account and the bank is not protecting you as you had expected them to do according to their own terms and conditions which they seem to make up as they go.
Product: Debt collection

I received a phone call from ARA, lnc. ( Asset Recovery Associates ) onXX/XX/XXXX phone XXXX on my cell phone at XXXX XXXX. XXXX, with ARA said she was calling to collect a debt I owed for a XXXX account with XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. I told her I have always paid all my bills and I do not owe any money to XXXX XXXX XXXX and my credit score is very high. She asked if I went through a divorce in the XX/XX/XXXX and maybe the bill was my ex-husband 's and I did n't pay it. I said it was none of her business if I was divorced or not and that she must have the wrong person. She said my social security number and said something was sent to my previous address ( from 9 years ago ). I told her that was not my address anymore and I had n't lived there in years. She then said my current address. She said they were going to file a judgement against me. I asked her how much she was claiming I owed and she said {$11000.00} from the XX/XX/XXXX 's but with interest and fees of {$16000.00}, the balance was {$27000.00}. I told her that was impossible and she would have to send me an itemization of the charges. She said I would have to contact XXXX XXXX XXXX to see if they archived the statements for the account. I told her I thought this was a scam and she got very rude. She said if she was a scammer with my social security number, she would be opening credit card accounts in my name and using them to make money. I asked again for something from XXXX XXXX XXXX, stating that I owe them money. I said the debt she was talking about was so long ago that it was n't on my credit report and I did n't think it could be collected, even if i owed it. She said she would send me a letter via XXXX to my home. I received the XXXX letter today with a XXXX XXXX XXXX Account number stating that ARA has agreed to a settlement of {$5600.00} to be paid by XX/XX/XXXX and when paid they would not report derogatory information to the credit bureaus. If not paid, the full balance of {$27000.00} will become due. I read online that XXXX XXXX XXXX became inactive as of XX/XX/XXXX and merged and is operated as part of XXXX. I also read lots of complaints about ARA, Inc. making these harassing calls, with no right to do so. It is my understanding that the statute of limitations in Texas is 4 years. Even if this debt is legitimately due, the statute of limitations for debt 25 years ago has expired and it is my understanding they ca n't call me to try and collect it. What do I say to this company when they call again and what my recourse to keep them from harassing me? Is this even legal? It seems like a scam. Should I notify credit bureaus that this company has my social security and other confidential information? Thank you.
Product: Checking or savings account

On Saturday XX/XX/2023 I attempted to make a purchase using my Bank Of America debit card. Unfortunately it was declined. Which was odd because I know I had more than enough to make the purchase within my account. I called the bank to see what was going on. I was instructed to go to my nearest banking location with proof of my identity. I do so. Once there I was told the department that place the freeze was not open on the weekends and that I needed to call them Monday morning XX/XX/2023. To which I did. After spending more than two hours on the phone with the fraud department. They told me that did not have any reason on why my account was in review and why my account was frozen. I would have to wait until they are done with the review. I asked what are you reviewing and I was told they don't have any information outside of its in review and there is nothing I needed to do outside of just waiting which could take up to 30 days. I opened my new account online and I had to fund the account in person. The check was drawn from Merrill Lynch which is Bank Of America with whom I have my checking account. I cashed the check once it was verified and pulled out cash and left the remainder of my deposit in my account. No one communicated with me from Bank of America by way of email, call nor text message to let me know what was going on. They placed the account in review on the XXXX of XXXX with no communication to me at all. I have bills I must pay and they tell me that they are not responsible for my bills that can't get paid while my account is in review. I don't understand how they can just take my money with no explanation what so ever. There is no fraud on my account. There are not suspicious transaction on my account. I have not sent nor received any deposit from over seas or any foreign countries. My husband and I went in to our local branch today Monday XX/XX/2023 to speak with a representative to see if they could provide any additional information. She made calls and was told the very same thing we were told. The branch manager got involved and was unsuccessful in getting any other information as to why. She told us she had never seen this happen before because it was a cash deposit. This is very dangerous that a bank can just take your money and not give you a reason on why they did so. They did violate their own disclosure agreement. It states they have the right to place any account in a review status at any time however, they must disclose to the owner of that account why this action has happened. In which they refuse to do so. Can someone please help with this problem? After this we really don't trust the banks anymore.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the letters I sent on XXXX XXXX XXXX  regarding the unknown inquiries on my account. Unfortunately, it seems that the issues have not been resolved yet. I kindly request your assistance in looking into this matter and taking the necessary steps to have these inquiries removed. Thank you for your attention to this matter.
Product: Checking or savings account

On or about XX/XX/2020. I went to Regions bank to see what Regions current interest rates were on a 4 year IRA CD would be. I didn '' t like the rate being offered but after talking to the bank official we agreed to a rate of 1.59 % for 4 years. I saw the official as he was putting information on the rate and terms in the computer. He thensaid it was all taken care of. But I said don '' t I have to sign anything. He said no it was all taken care of. I said I always had to sign something in the past but he said again there was no need. So I left the bank. I think this was my 3rd renewal of this account over 10 years. Today XXXX I get a letter from Regions bank saying my APR rate was 0.400 % instead of the APR rate of 1.59 % we negiotiated. So I called the bank and talked to the same bank official about the problem. That official said there had been a glitch in the software program and went it renewed I got the lower rate of 0.400 %. I talked to the bank official and the person who said he was the Branch Manager. The first bank official admitted and apologized for the glitch and when I asked to speak to the branch manager he heard the first bank official admit to the glitch as we were on a 3 way phone connection. The branch would not agree to give me the negotiated 1.59 % rate. He did make a couple of lower offers because he said rates had gone lower. The best rate he offered was 2 years at 1.5 % rate which I refused. I feel I am entitled to the neg0iated rate of 1.59 % for 4 years. I think this a biat and switch scheme. Can you offer me any assistance in this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

Aqua finance ( A pplication #  XXXX  ) pulled my credit report they claimed I applied for credit with one of their clients which I did not. They placed an illegal unauthorized credit inquiry on my report. I have done my research and they have done this in violation of the fair credit reporting act. I asked for proof I authorized this inquiry a signed application or something they could n't provide it because I never applied. But they still sent me a letter refusing to remove the illegal inquiry so I am now researching my other options. I plan to take this as far as I have to I 'm not going to just let a business pull my credit because they want to.