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

I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.
Product: Checking or savings account

I opened a new checking account as a result of a new account bonus offer, which I accepted. 

Wells Fargo is unfairly engaging in deceptive trade practices and refusing to confirm which bonus criteria I have completed, and which I have not. 

I am unable to complete the bonus requirement in a timely manner if the company will not confirm when I have completed EACH specific term. 

The executive response team has refused and failed to evaluate my account to determine if I have met the direct deposit requirement.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a store Credit Card with XXXX for the purchase of my engagement ring for my wife. I always made my payments in the store. I am self employed and some months make a lot more than other months, so when I went into the store I gave them payments in advance quite a few times. I gave the cash personally to the store employee and told her to I was making 3 payments at a time. She said she would put them towards the next 3 payments as requested. She never did and applied it to one payment with extra principle reduction. Because of this, I received late payments on my credit and fees. I called them and they were very apologetic and said they would remove the fees, fix it, and I paid off the balance. Instead of " removing the fees '' they reported to the credit reports that I " settled for less than the full balance. '' I tried to dispute it with my credit bureaus but they said there was no proof that I requested that of the store employee as we spoke in person and would not remove. I was recently denied for a home loan because of this account! They lied to me, committed fraud and I can not get credit extended to me because of 120 late on their credit account! I have attached documentation showing I paid 4 advance payments within 30 days of opening the account and made payments the next few months as well as 2 months payments another month later. I was way ahead on on my payments and should never have been charged lates or received any fees.
Product: Credit reporting or other personal consumer reports

These unauthorized agencies TransUnion, XXXX and XXXX are sharing and reporting my personal information without my wet ink signature and permission. This is identify theft and a violation of my privacy according to 15 U.S Code Section 1681 ( 4 ). In result of this I am requesting that all negative information be removed from all three Agencies within 4 days of receiving this consumer complaint. Thanks for your help in this process. 

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

In accordance with the Fair Credit Reporting act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 any 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

I am sending you a letter regarding the inaccurate and misleading information that I have found on my credit report. These inaccuracies that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Payday loan

Thus far I have paid XXXX in fees and XXXX in interest with a payoff of over XXXX dollars. I borrowed a total of XXXX on a XXXX loan. only XXXX % of my payments are going towards my payoff-the remaining monies are being applied to Fees and interest. WIth what I have already paid, plus the XXXX ( payoff balance ), my total payoff will be approximately XXXX. However, If I do not pay the payoff and just keep making the bi-weekly payments, It will take me at least two years ( and several thousands of dollars ) to be anywhere close to paying this off. After looking over my statements and seeing how there was no dent being made in my balance, I started doing some research and found out that many of these companies are not licensed to provide loans in some states. After calling the DLLR for the state of Maryland today, i was told that Moneykey is one of those said companies that should not be providing loans in this state. I was advised to file a complaint and close my bank account. 

XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX in fees YTD and XXXX in interest
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting the validity of debt to you regarding the account XXXX BANK USA Account number XXXX on XX/XX/2021 and XX/XX/2021 which Experian failed to provide.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unresolved fraudulent hard inquiries on my credit report. Despite following the appropriate steps to dispute these inaccuracies, the credit reporting agency has failed to remove them, which has caused significant distress and potential harm to my financial standing. 

On XX/XX/XXXX, I discovered several unauthorized hard inquiries on my credit report, which I believe are the result of identity theft. These inquiries include : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Immediately upon noticing these discrepancies, I took the following actions : 1. **Filed an Identity Theft Report : ** I reported the identity theft to the Federal Trade Commission ( FTC ) and obtained an Identity Theft Affidavit ( FTC Reference Number : XXXX ). 
2. **Contacted the Credit Reporting Agencies : ** I contacted XXXX and TranUnion via US Mail 3. **Requested Investigation and Removal : ** In my communication, I requested an immediate investigation into the fraudulent inquiries and their subsequent removal from my credit report. 

Despite these efforts, I never received a response from XXXX or TransUnion. This lack of response is unacceptable, as it fails to acknowledge the evidence provided and does not address the serious nature of identity theft. 

The presence of these fraudulent inquiries on my credit report has negatively impacted my credit score, and by extension, my ability to secure necessary financial services. As a consumer, I have the right to accurate credit reporting, and it is the responsibility of the credit reporting agencies to ensure that fraudulent activities are thoroughly investigated and rectified. 

I request that the Consumer Financial Protection Bureau intervene in this matter to ensure that XXXX and TransUnion conducts a proper investigation and removes the unauthorized hard inquiries from my credit report. Attached, please find a copy of the FTC Identity Theft Affidavit. 

Thank you for your attention to this serious matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX **Attachment : ** 1. FTC Identity Theft Affidavit
Product: Credit card or prepaid card

On XX/XX/23, at XXXX XXXX., I received a text to my cell phone purporting to be from Wells Fargo, with the following language : ( ( WellsFargo ) {$230.00} Charge XXXX XXXX  in XXXX, CA. YES Reply Y. NO? CallBack Now XXXX XXXX XXXX I called Wells Fargo, and there was no such charge on my account, so I believe this was an attempt at fraud. 

Please let me know if there is any follow-up to investigate this. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I was one of the ~150 million affected by the Equifax breach. This was my experience trying to clean up the mess for myself.
1. I was not personally informed that I was affected by the breach, despite the urgency and danger of the situation.
2. Equifax 's language is vague and misleading. Something along the lines of " you may
have been affected by the breach ''. They need to own up to it and say yes, go protect yourself, or no, you 're fine.
3. When trying to fix the problem at both Equifax and XXXX, their credit monitoring product is pushed. The bureaus are making money off of this breach because people are ( rightfully ) scared 3. I tried to place a credit freeze at all three agencies online. At the end of the process every single one said " we are unable to process this request '', or something similar.
5. I have a {$10.00} charge from XXXX on my bank account for the freeze despite the request not going through. 
6. I tried to do the freeze via the automated phone systems at all three bureaus with the same results. None of them went through, and XXXX 's line is truly awful. There are silences of 45 seconds between questions and confirmations, and the next step. 
7. I spent my morning gathering the documentation needed to mail in the freeze requests. I spent my lunch break going to the post office and spent {$40.00} on postage for certified mail, money order fees and the fees for XXXX and XXXX to freeze my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are scores of complaints and lawsuits against Caliber Home Mortgages for the same practice of stalling requests for loan mods, especially with houses like ours which had significant equity still and could be sold by the financial institution for a profit. 

We are a senior couple who has a file over 200 pages thick, detailing our never-ending effort to get a loan modification, while we were in the process of selling our house. Often, on the same day we would get two letters, with the same date : one saying they had what they needed to process our loan mod, the other saying that they still needed more information. We sent the exact same information several times, but they responded after more than 30 days, so they needed another months ' information. In the middle of this battle, they said we were in foreclosure, and reported this to the credit bureau, although we never received anything from the courts, and the house was sold through traditional methods. This credit blemish has stopped us from purchasing a retirement condo ( we're both XXXX ) and I am wondering if there is a class action suit we could join or if there's another way of getting caliber to reverse their credit bureau report. 

.
Product: Debt collection

XXXX XXXX XXXX just reported a {$2800.00} debt on my credit report, and I have no idea where this debt came from. Prior to its appearance on my credit report, I did not receive a notice of right to dispute. I am supposed to receive this notice at least 30 days prior to a debt being reported, but I never received such a notice.
Product: Credit card

I have 2 credit cards with Capital One. One is a Venture card, the other is a Cabela 's brand card. I was attempting to make a purchase online for {$460.00} using one of the cards. The transaction was declined and I immediately received a text alert saying I needed to contact Capital One for suspicious activity. I called them immediately and verified my identity and the charge. I was told by the agent that the card was clear and I could reattempt the transaction. When I did, it was declined again and there was another fraud alert placed on the card. I called once again, verified myself and the charge again. Again I was told the card was cleared and to reattempt the transaction. The card was declined AGAIN and another fraud alert placed right back on the account. I called and repeated verification a XXXX time. I was told again the account was cleared and good to use. However when I checked prior to reattempting, I saw the restriction was not removed. I called for a 4TH TIME and now they were requesting a higher verification, as if I hadnt completed 3 verifications already. I refuse to allow them to syphon my time and energy to complete things that have already been completed. They are paid to be on the phone with me, I AM NOT. This is their job but I have a job also and I can not be reasonably expected to spend hours on the phone with them verifying the same transaction 3, 4, or 5 times even. I asked for a supervisor to try to resolve the issue reasonably and they apparently dont even know what the definition of that is. MY TIME IS VALUABLE ALSO AND THESE GAMES WASTING IT ARE NOT APPRECIATED.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Equifax
Product: Debt collection

Please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. In the results of your first investigation, you stated in quitting that you '' verified " that these items are being reported correctly? Who Verified these accounts? You have NOT Provided me a copy of ANY original documentation required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA- You are Required to " ... Promptly DELETE all information which can not be verified. '' I Demand the account be verified or deleted
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint to bring your attention to an unresolved issue regarding my consumer report dispute. I have previously submitted a dispute with Experian concerning inaccurate information on my credit report, as mandated by the Fair Credit Reporting Act.

In response to my dispute, Experian has refused to investigate the matter, asserting that they do not believe the dispute originated from me. This claim is despite my submission of clear and thorough verification of my identity along with supporting documentation that unequivocally supports my dispute.

I believe that this action by the credit reporting agency constitutes a stalling tactic and is in direct violation of the Fair Credit Reporting Act. As a result, I am facing significant difficulties and challenges related to my financial and credit standing due to the presence of this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

Please see supporting documentation pertaining to the Equifax Data Breach.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX / XXXX Account Number : XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I received repeated phone calls to my cell phone IC Systems today I finally contacted a manager XXXX XXXX to stop blowing up my cell phone and demanded all communication only by mail be sent to me
Product: Credit card

Bank of America Cash Back Credit Card promotion for double cash back from XXXX XXXX - XXXX XXXX on certain merchant accounts ( XXXXXXXX XXXX  XXXX XXXX ) that were already having 10 % back promotion. Therefore, it is expected by customers to get 20 % back on card. However, with this XXXX merchant account, they didn't honor that when I used the mobile phone application to pay for the order. So, they said that was not eligible for the double cash back promotion. I called and they showed where that was written in the promotion restrictions at very bottom of disclaimer statement. So, I don't deny it is there, but print is made purposely smaller than rest of print higher up on disclaimer which means they make it harder for people to read it. They want to motivate people to come into merchant location physically and make an in-person purchase using the card. I definitely know now, but it wasn't as obvious and clearly defined as it needed to be and I feel I was deceived into thinking it was ubiquitous to all merchant purchases.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Debt collection

This company has attempted to garnish my wages 3 times. I live in Texas which is a non-garnishment state but yet they keep filing garnishments. I have no idea what the debit is and I am never notified of the garnishment attempts. I do not believe the debt is even valid.
Product: Credit reporting or other personal consumer reports

They transferred the loan to another branch of their company SB/MORTGAGE SOLUTION FIN. When they removed it off my credit and caused it to drop my score nearly XXXX points. They keep telling me it will update in XXXX days since XX/XX/year> and it hasnt. I reached out to XXXX and uploaded the documents needed to show it as an active current loan, but they still haven't marked it as such even though they're investigation is done. This is impacting my credit rating in preventing me from being able to refinance and a better rate. I feel that they're doing this to keep getting the current rate from me that they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed several inquires on my credit report that was never authorized nor approved. XXXX XXXX Bank are on all 3 of my credit reports. I do not have any accounts nor ever applied for a credit card. XXXX XXXXXXXX XXXX is on my XXXX report. I have never even applied for any bank or credit card accounts. The only legitimate inquiry is from XXXX XXXX, which is only on my XXXX credit report. 

This is the result of identity theft that I had reported to the police. The police report number is # XXXX. Complaints and fraud reports are being processed with identitytheft.gov and with the Social Security XXXX. A complaint is also being processed with XXXX XXXX Bank and XXXX XXXX Bank.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX  XXXX TransUnion and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact XXXX XXXX XXXX and XXXX XXXX and TransUnion correct and remove this inaccurate info from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 604 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.