23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Afte r Wells Fargo den ied my loan, I sent the company the below letter and received no response I am responding to your  XXXX   XXXX , and  XXXX ,   XXXX  , letter informing   me my co-signer load was denied. Please provide answers to the below questions : 1. How Wells determine whose loan will be approved 2. Specifics, why my load was denied. Please do not indicate generalities.
3. Minimum credit score required to receive a loan 4. My point score 5. Ple  ase provide evidence which states specific creditors reported I had pass and current delinquencies.     I am requesting that you email me specific, detail reasons, why my co-signer loan was denied. According to pass phone conversations wit  h Wells load specialist, I had pass and current delinquencies.
If you are unable to provide specifics, one can conclude Wells makes subjective, arbitrary, and capricious loan decisions. Your letter states that my credit report indicated I had delinquencies.
I will litigate this matter and file a formal complaint based upon racial di  scrimination, and will argue that  XXXX  who have lower credit scores than  XXXX  and no relationship wit  h Well Fargo are afforded student loans.
Taking into consideration my current banking relationship with Wells, I am extremely disappointed Wells denied my loan. I have my IRA account with Wells, along with  XXXX  other savings and checking accounts.
Finally, according to my credit report that Wells Fargo provided, my credit score is    XXXX . My credit report indicated that I have no credit card debt, I had  XXXX  delinquencies, which were paid in full. I look forward to expeditiously hearing from you.   Sincerely,  XXXX   XXXX   XXXX
Product: Checking or savings account

On XX/XX/2024 I noticed XXXX transactions on my debit card dated XX/XX/2024 that I had not authorized. The transactions were as follows : Store Purchase 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$50.00} I had immediately contacted American Express XXXX and reported the unauthorized transactions. On the following day, XX/XX/2024, I uploaded the declaration of fraud statement to the Serve website as the company had requested. 

As of today the company has not removed any of the disputed charges from my account and has not acknowledged in writing that it is working actively on resolving the disputes. 

As of today I do not have any funds to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports to find that there were multiple unfamiliar inquiries bringing down my credit profile. I contacted Equifax on various occasions regarding these inquires and on one phone call it was suggested that I place a fraud alert on my credit and submit paperwork verifying the inquiries did not belong to me. I contacted each company where the inquiries were originated and was told that the inquiry did not result in an open account therefore they had no record of me in their system, so of course there was nothing they could provide me to give to Equifax. Again I called Equifax to let them know what I was told, still nothing was done. This is a clear violation of FCRA and something needs to be done immediately. This would be the second time Ive submitted a identity theft report, the first time it was faxed on XX/XX/2020 at XXXX. They verified they had received it, STILL NOTHING HAS BEEN DONE IN REGARDS TO REMOVING THESE INQUIRIES.
Product: Checking or savings account

XXXX of Monday, XX/XX/2024 entered XXXX XXXX to apply for bank account and was denied by a XXXX consumer reporting agency inspector General whom discriminated against I with post master. Agency employed XXXX XXXX XXXX block against customer. Web site didn't address I by Dear and sincerely indicating an inspector General active against bank company and customer.
Product: Debt collection

Received 6 calls from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and both are for XXXX XXXX XXXX. The debt collector has called 6+ times since XX/XX/XXXX - XX/XX/XXXX, and it is for a debt I do not owe on. The amount is {$1400.00} for a corporate AMEX owned by XXXX XXXX XXXX who was a previous employer. Also, they have submitted the collections to the credit reporting agencies.
Product: Checking or savings account

I had a number of transactions that were not authorized by me and my disputes were denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX please delete this account from my credit report and I have tried to dispute this account multiple times and have not yet removed it please help me REMOVE this account from my credit this account was OPEN in a FRAUDULENT way SOMEONE You are using my PERSONAL INFORMATION to open accounts please without my AUTHORIZATION please REMOVE this account and put a fraud ALERT many THANK YOU ... I have already tried to solve this problem directly with the credit bureaus but I have not removed these FRAUDULENT accounts ... THANKS for understanding
Product: Money transfer, virtual currency, or money service

Paypal closed my account and will not help me getting it back up and going. I am not sure if this is some some mistake as I assume it has to be. I have been not able to get help from them for days but I just remembered that I could file a report on here and I feel they are not doing there job properly and it is affecting me a great deal as I used paypal quite frequently. My email linked to my paypal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone or some people at XXXX XXXX decided to go rogue and openly break federal law by refusing to report my account as current the months when I was in forbearance with Equifax. The CARES Act is explicit that this is a legal requirement.
Product: Credit reporting or other personal consumer reports

I am disputing the validation of this debt under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I request validation under IRS Code 6050P, as no 1099-C was issued. Please investigate and resolve this promptly. ''
Product: Student loan

On XX/XX/21, I filed an Economic Hardship forbearance request with SOFI/XXXX  due to ongoing medical hardship. Upon sending the requested medical bill ( which is already extremely invasive, given the nature of this matter and HIPAA-Related information on a portion of this bill ), my application was summarily denied twice due to the bill photocopy being cut-off, due to personal medical information being on this portion of the bill. In explaining this to XXXX Consumer Relations, and being told that one would not have to send a portion of the bill that had personal medical information or diagnoses/codes, this was escalated back to the processing team which again denied the forbearance, even in lieu of me explaining the reason for the cutoff bill ( personal medical details ). This bill shows the dates of service, provider, my name, and full charges -- all of which was requested by SOFI. At this time, I am requesting immediate executive level assistance to approve this forbearance given all the time I have put into this matter, prior to a HIPAA Complaint and further action being taken to ensure this is justly applied to my loan account.
Product: Credit reporting or other personal consumer reports

I affirm, under the threat of perjury ( as per the laws of the United States, if executed outside of the United States ), that the aforementioned statements are true and accurate to the best of my understanding. Furthermore, I attest that I am legally permitted by both FEDERAL and STATE LAW to initiate this dispute. I am also aware that any intentional and knowing misrepresentation or omission of significant facts constitutes a FEDERAL CRIMINAL VIOLATION as per 18 U.S.C. 1001. Moreover, such misrepresentations are punishable as perjury under 18 U.S.C. 1621. The entries identified within my credit report are not associated with any transactions conducted by me. I assert that an individual or entity, without my consent, has utilized my personal identifying information to apply for goods, services, or financial resources, and has successfully opened certain accounts. These matters are presently under investigation by the FTC.
Product: Vehicle loan or lease

In accordance with the fair credit reporting act convergent account names Wells Fargo Has violated my rights XXXX USC XXXX Section XXXX States I have the right to privacy. XXXX USC XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written permission instructions. XXXX USC XXXX Section : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

Your agency is in violation! 
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. 
Delete this at once! 

Listed below are the Accounts that are being challenged 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 Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX | XX/XX/XXXX, XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX
Product: Credit card

Comenity/XXXX  XXXX  bought my credit card after XXXX XXXX XXXX went out of business XXXX. Since the buy out the balance has NOT gone down and card has not been used since XXXX. I have only made payments. 
About 6 months after they took over, I was unable to access their website, so I called the number on their site and tried to get them to fix the situation ( it was never resolved. They set up a new system called XXXX XXXX  where I can type in my account number and my last 4 digits of my social, so I called them for my account number..they REFUSED to give it to me! I requested a credit report through XXXX and that is how I obtained the number. This resulted in a late fee which they did not remove. My next payment is due on XX/XX/XXXX I have NOT REVIEVED my email for payment and they have AGAIN made the site unavailable for payment! I called their number and it will not let me reach a live person. I believe this company is a fraud and is stealing money as I said before, my payment has not gone down in the year they have had my account! I think I have well paid off the {$4000.00} owed and do not feel like I need to make any further payments not that they will allow me to anyway.
Product: Debt collection

I sent two responses and instead of responding back with a letter to settle the debt Portfolio Recovery Associates took legal action against me. This was as if I did not respond and cooperate when I in fact did. Which violated the Fair Debt Collection Practices Act. This is illegal debt collection tactics. They filed a lawsuit with no intent to settle the debt with me after not one response but two. This company should not ignore the CFPB, s rules just because they are a dominant market. Especially when these responses were not a refusal to pay which is stated this was to settle the debt without a court cost but they felt they did not need to respond to me with a settled price after deductions of proof of my receipts to the original debtor. They feel they can charge me the full amount and disregard my previous payments made before they decided to get involved and pick up the debt. Also portfolio recovery associates stated they would provide the request of proof of documentation to settle the debt which they infact did not and instead took legal action against me. Also i even sent in a certified letter and they still felt no need to respond back to me. 

XXXX XXXX XXXX thinks they can collect debt from people without reasoning before taking legal action. Even if you reply with a response to there debt collecting tactics.
Product: Credit card

Agency : Kikoff Lending Type : Charge Card Originated Date : XX/XX/XXXXXX/XX/XXXXBalance : {$0.00} I found on my credit report that Kikoff Lending reported late payments of up to 90 days for an account that I did not open on XX/XX/XXXXXX/XX/XXXXThis very well was identity theft or fraud. I reviewed the information and found inaccuracies in the claim. I DO claim that I DID open a Kikoff account on XX/XX/XXXX that is currently paid in full and in good standing. The false information reported from XX/XX/XXXX is not valid or correct. Proof was not provided to validate this information and validate that this account is true and belongs to me. I am disputing this immediately for inaccuracy and identify theft/fraud made by someone else other than myself.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, The following accounts has violated my rights : 1. XXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX 5. XXXX Account Number : XXXX 6. XXXX XXXX Account Number : XXXX 7. XXXX Account Number : XXXX 8. XXXX XXXX Account Number : XXXX 9. XXXX XXXX XXXX Account Number : XXXX 10. XXXX XXXX Date of inquiry : XX/XX/2023 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: Credit reporting or other personal consumer reports

CFPB complaint XXXX was closed without providing documented proof of investigation. I submitted Emails directly from the company as proof of incorrect reporting. However, the inaccurate information remains on my credit report. 

When speaking with a Transunion representative, I was advised Transunion is not able to remove information from credit reports unless the furnisher submits the request. The representative also advised if a consumer submits documentation proving incorrect information, it is sent to the furnisher. The furnisher then confirms or denies the claim and IS NOT REQUIRED TO PROVIDE TRANSUNION WITH DOCUMENTED PROOF. Therefore, if the consumers rights are being violated, Transunion stands with the erroneous credit reporting. There is no incentive for furnishers to provide accurate information if they are not held accountable for misreporting. This erroneous credit reporting is causing undue financial harm because payment history accounts for 35 % of ones overall credit score.
Product: Consumer Loan

I got a loan with Avant Credit XXXX {$2500.00} and I made XXXX payments of {$110.00} which totaled {$2200.00}, I still owe a total of {$1500.00} which in total calculates to XXXX, which means that the loan 's interest rate is 160.056 %, I am unable to find the original documents and have attempted to contact the company. I believe that the loan violates the Truth in Lending Act and specifically 15 U.S. Code 1602, 15 U.S. Code 1666i-2borrowed 2500paid XXXX XXXX owe XXXX
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my updated credit report, I have seen incorrect and misleading information that your company is currently reporting. According to my records, you have shared incorrect information about me which is a violation of my privacy rights. 

This information should not have been shared without my express permission. 

-- -- -TransUnion XXXX -- - XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

Background : My identity was unknowingly stolen by a previous roommate who lived in the same household sometime around XXXX. 

It just came to my attention that on XX/XX/XXXX the individual set up a 5 year contract with XXXX for a home alarm account with both of our names as the account holders ( maybe for co-sign purposes? ). This location of the residence where this alarm account was opened is on the opposite side of the country. 

The individual made payments for 1 year and 8 months before the account went delinquent. The account then went to collections a little while later, and landed in the hands of the debt collector named Perfection Collection around XX/XX/XXXX. 

When I was contacted by the debt collector, I let them know that I did not set up this account, nor have I ever lived in the state it was setup in, nor on that side of the United States. I let them know that the individual 's name on the account was a previous roommate, and that he must've stolen my identity 15+ years ago. 

They responded to my deny of the account by saying they already talked to the other individual and he said that I stole his information to setup the account, and then implied that they are only looking for repayment, not looking to get me in trouble for setting up the account under his name ; which isn't even true in the first place. 

I continued to get harassing calls for payment. When I asked how to fix the problem, they did not provide any assistance ; their only interest was to get repayment for the account, and did not take into consideration that the account was fraudulently setup in my name. 

I had to make several calls to get info on how to take this off my credit report, because they were not helping. When I finally reached someone, they were hesitant to give me the information about the account, as well as hesitant about telling me steps I need to get it resolved. 

I filed a police report with my local police, and found more information on steps to take from IdentityTheft.gov on my own ; however, when I call them now they no longer answer the phone, nor do they return my voicemails. 

The delinquent account is still on my credit report, and seems as though they are only wanting to work with me if I were to just pay it off this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 20 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX {$2400.00} XXXX XXXX {$190000.00} XXXX XXXX {$22000.00} XXXX   XXXX {$21000.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX {$440.00} XXXX   XXXX XXXX {$640.00} XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$1100.00}
Product: Debt collection

Account was paid on XX/XX/2022. It currently says that is it open. This was supposed to be closed.
Product: Checking or savings account

I have over {$24000.00} in my checking account that is supose to be available XX/XX/2020. I am trying to withdraw {$9000.00} on XX/XX/2020 to make a purchase of a vehicle and the bank says they will not make the withdrawl. stating i can only get a money order or cashiers check