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

I was trying to get my free XXXX XXXX XXXX from transunion on friday XX/XX/XXXX and when i requested it they charged me {$21.00} two times on my credit card. I told them the issue they said that there was an accidental subscription request and that they would cancel the membership. However, when i looked today the pending {$21.00} actually got charged. I didnt buy any subscription and I dont want it.
Product: Credit reporting, credit repair services, or other personal consumer reports

A public record is being incorrectly reported. The case number, type, amount, date and status are all incorrect.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX NY XXXX Date of Birth : XX/XX/year> SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AZ XXXX I am writing to request an investigation of the following information that appears on my XXXX XXXX consumer report. i have never opened or used the following account numbers : bank : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX I don't recognize the following accounts in question. im a victim of identity theft and dont recognize these accounts on my report.im requesting the following be deleted from my early warnings consumer report immediately! ive attached a copy of the report to this request Thank you for your assistance sincerely. 


XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the lack of progress in removing fraudulent items from my credit report, despite multiple attempts on my part. These fraudulent items are inaccurately reflecting my financial history and are adversely affecting my creditworthiness and financial opportunities. 

Frustrated by the lack of progress, I made multiple attempts to have these fraudulent items removed from my credit report. Each attempt was met with delays and unsuccessful outcomes, leaving me feeling helpless and marginalized. 

The continued presence of these fraudulent items on my credit report is severely impacting my financial standing and future prospects. I have taken all necessary steps to address and rectify this issue, yet it persists, causing me undue hardship and stress. 

I urgently request that you take immediate and decisive action to investigate and remove these fraudulent items from my credit report. I expect a swift resolution to this matter, including the complete removal of all unauthorized transactions within exact timeframe. Furthermore, I insist on receiving regular updates on the progress of this matter to ensure transparency and accountability. 

Failure to address this issue promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal remedies to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX.
Product: Checking or savings account

On XX/XX/XXXX my wifes account ( XXXX XXXX XXXX ) was debited {$170.00} from a check that was issued originally in XXXX of XXXX. The check was a part of a deposit to XXXX XXXX ( our business ) in the amount of {$740.00}. A computer glitch as I have been told occurred effecting many of First Horizon costumers. The next day XX/XX/XXXX they corrected their error and took the funds from XXXX XXXX. However, they have failed to refund the money removed from my wife account ( as of today XX/XX/XXXX ) and others that was effected by FH. I have tried many times to get FH to correct their mistake, they have not. The answers I get is for us to contact our other bank XXXX XXXX  and have them request a correction be made on her account. They have also said that I should not worry about these other people unless they contact me first. Only one person has gotten their money returned to them. This not a very good business practice in my opinion.
Product: Checking or savings account

Deposited a check to Wells Fargo on Saturday. 
Typically if you deposit on a weekend you dont receive funs until Tuesday or Wednesday. Come Wednesday i get told there is a XXXX week hold placed on my deposit because the maker of the check didnt have enough funds to cover the transaction. I spoke with the maker of the check and they told me that they had the amount withdrawn from their accounts that Monday. Their bank told them that the problem was with wells fargo. I called my bank back ( wells fargo ) they said they never recovered any money from them. And i had no other solution than to wait the XXXX weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired fromExperian, I noticed an Unauthorized inquiry made by your company XXXX on XX/XX/2023. I did NOT authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Debt collection

capital one XX/XX/2016 charge-off {$820.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX  XX/XX/XXXX XXXX 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 XXXX  XXXX XXXX XXXX {$12000.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agencies can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose.
Product: Debt collection

XXXX XXXX purchased " debt '' without my permission from XXXX XXXX TX. I did not give permission for the company to do so. I have requested they they cease communication, alongside XXXX XXXX ( which was very abusive and harassing ). They continue to call and email me. 

I did not give permission for XXXX XXXX to purchase any " debt '' or represent me. I am the consumer and original creditor and do not owe. They have also been trying to pursue this for more than 180 days, and should cease trying to do so. 

In violation of USC 15 1602. I could list more if needed
Product: Student loan

I have XXXX private student loans with XXXX separate companies. Both cost $ XXXX, each. I have tried desperately to decrease the monthly payment but neither XXXX or navient are willing to work with me. They both report my parents, who co-signed back in the late XXXX have the financial means to pay if I do n't, this is absolutely false. My father is in poor health, both are retired and in their XXXX. I am current with XXXX XXXX at the moment but Navient was supposed to be withdrawing my monthly payments from my checking account. I did n't have enough money in the account one month and they placed me in default. I was told that I can either pay a lump sum by out, borrow the money from my parents who Navient says have the means, Im certain they do not. Or pay $ XXXX, 3 times more than the payment I was unable to manage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I went to the local car dealership XXXX XXXX XXXX in XXXX Illinois and with my wife applied for a loan to purchase a XXXX XXXX XXXX They found a loan XXXX XXXX ' to take on us as to purchase the suv. On my credit report I have 9 hard inquiries. I am under the impression that when you apply for a loan within a short amount of time, your score shouldn't be affected greatly after the first initial ding. I thought that as we were 'shopping ' for rates they wouldn't all show up as hard inquiries. They also seem to show up as 2 hits for a credit union. 2 hits for a bank ( same bank ). We have some things coming up that we will not be able to do if it shows that many inquiries.
Product: Debt collection

This company is reporting a collection account that doesnt belong to me, i requested to have it removed and they have not removed it. I was told to submit a FTC report so it can be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

EdFinancial has reported to the credit reporting agencies that I currently have 4 loans with them, amounting to {$13000.00}. This information is inaccurate. On their official website, which I will show below, they have only 3 loans, amounting to {$7600.00}. 
Not only is that information incorrect, but they are also reporting inaccuracies as to when these accounts were opened. The loan amount for {$6200.00} was reported opened XX/XX/XXXX. I never opened that account. In addition to that, I never paid not XXXX XXXX  to this lender. I also didnt sign an agreement, nor take out these loans with EdFinancial. They are reporting these accounts with on time payments, since XXXX, and who is to say they wont decide to report late payments? According to the FCRA, all information is to be reported accurately. According to 15 U.S. Code 6802 section ( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
Product: Credit reporting or other personal consumer reports

I am trying to buy a house and these things are delaying my home buying process. I have been a victim of aggravated identity theft. I need these items removed asap. Each creditor should have form XXXX signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over 30 days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn't provide sufficient proof the said has applied for anything. Thank you for your prompt assistance.
Product: Checking or savings account

I recently transferred a total of {$880000.00} from my bank to Discover through an ACH transaction. The funds were verified to be mine along with the funding bank account. The funds were transferred to XXXX CDs after almost XXXX  days after I opened the accounts. Then less than XXXX hours after the funds landed in the account the funds disappeared. When I called Discover, they told me that it was because of past activity that the accounts were shut down. When I asked them what past activity, discover couldnt give me any answer they couldnt tell me whether or not the money actually returned to the funding bank. At this point in time XXXX XXXX  can not confirm the funds were returned. More over why would a financial institution go through the painstaking process of opening my account ( s ) after verification of everything, to then turn around and shut the accounts down?

When I called Discover bank again they had very little to say and very little information to offer other than XXXX minute hold, followed up by a business decision, is the reasoning given and Discover bank has had nothing else to tell me. Furthermore, Ive written Discover Bank and requested that the funds be issued in the form of a check for XXXX XXXX  and they outright just said that no action will be done at this time. Then on XX/XX/2024 I recieved an email saying that theres an update to my various accounts. Discover bank illegally took the money out of my accounts without permission, and supposedly sent the funds back to XXXX. 
I open XXXX CDs. Once the account is open and funded the funds can not just be returned, the account type prevents that act from occurring. Discover or someone took the money out without my authorization or permission. Discover also said the accounts are not closed. If you take money out of a CD and return it back to the funding bank generally that means the account was closed. As of today the XXXX CD accounts are still open and they have a XXXX balance. Please help recover my XXXX
Product: Credit reporting

There are XXXX XXXX Mortgage accounts listed on my credit file that have not had a payment in 7 years, they have been re aged which violates my rights. There has been no investigation completed. If there was the evidence would reflect XXXX is past the statute and these XXXX items would be removed. They XXXX accounts are XXXX # XXXX and XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So on XX/XX/2021 XXXX XXXX XXXX  i was informed from my wife when she was looking on experian they have my personal stuff on there without my consent and without law enforcment consent ... .so wIth them posting to there websites my street address age birthdate name all that has put my life in jeapordy plus now puts my wife in jeapordy due to her XXXX XXXX and such im very XXXX off about it i dont feel XXXX safe now companies dont understand how they put a persons life at risk when they pull a XXXX stunt like experian and others ... .experian has absolutley no right to do what they now had done and they are not law enforcment agency.they are defaming my name plus they are not even in the same XXXX state i want this addressed immediatley and i am very very serious to be calling my attorney i am suing experian for defamation of character and hardship plus many more TAKE MY INFO AND BACKGROUND OFF EXPERIAN AND OTHER WEBSITES CONNECTED AND THERE IS A LAWSUIT COMING TO EXPERIAN AND THERE AFFILIATES EFFECTIVE IMMEDIATLEY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, Equifax and XXXX are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please Contact these bureaus about their illegal behavior and have them comply with federal law and respect the rights of Identity Theft victims, such as myself.
Product: Payday loan, title loan, or personal loan

I had a Home Equity line of credit with my bank M & T XXXX XXXX XXXX MD XXXX I sold my condo and went to closing on XXXX/XXXX/21. I closed all my accounts with M & T bank because I moved to XXXX  Va where there are no M & T banks. It is now XX/XX/XXXX a full month after the Line of credit was paid off and my accounts were closed, however M & T bank has not yet listed my line of credit account as closed. In addition the loan has a - {$610.00} balance they owe me at the same time they want me to pay them {$95.00} left due on my overdraft protection account. As the checking account is closed I have no way to pay this amount due online. I want these accounts closed and listed as paid in full. My credit score dropped 45 points in 1 day due to this mortgage loan on a home I sold at closing a month ago. I want the left over line of credit funds used to pay the overdraft protection amount due. As soon as possible as this continues to hurt my credit score. I have sent notarized letters requesting this resolution but it has been over 2 weeks since M & T acknowledged receiving notarized letter yet accounts still listed exactly as they have been incorrectly for weeks.
Product: Credit card

contacted the merchant in regards to missing orders a couple of times and then was told I would receive a courtesy refund. didn't receive, disputed with bank and merchant just sent bank shipping and not emails agreeing to courtesy.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Consumer Loan

I have an installment loan with Lendmark Financial and I experienced several issues with the company drafting the payment from my account when they were supposed to. This resulted in my account being delinquent. I then got my account back on track and the same issue occurred again. Lendmark Financial filed a court case against me and placed a judgment on my credit report. I feel that I have been paying the loan and should not have a judgment while paying. The judgment amount is inaccurate as well. The judgment is {$12000.00} and my balance is {$8400.00}.
Product: Debt collection

XX/XX/XXXX I contacted ditech a XXXX XXXX  to mediate purported loan. I corresponded and received confirmation of communication through XX/XX/XXXX. XX/XX/XXXX 3 people showed up at my house the one woman w/2 men who stood behind her saying nothing. she gave me a termination of right of occupancy and purported she bought home. she attempted to show me on the phone but one of the man pulled her arm back. I excused myself and they left. I called ditech and they seemed confused about the matter and would get back to me. I Than received last correspondence letter on XX/XX/XXXX about servicing transfer to XXXX XXXX  XXXX. I got a call shortly after from a lawyer purporting my home sold for XXXXdollars and he could help me. my ditech account states a last payment was made in the amount of {$53000.00} and county purports a sale of XXXXdollars. everything is noted incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual Date - Fifth Third Bank I didn't authorize on my credit report this inquiry. XXXX XXXX XXXX I didn't authorize this inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and came across unauthorized information reporting. Please remove immediately. 

XXXX XXXX XXXX XXXX {$650.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$1800.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXXXXXX XXXX  Opened : XXXX XXXX My only address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX My only phone number is : XXXX Remove all old addresses Remove all other phone numbers
Product: Checking or savings account

I would like to file a complaint against Wells Fargo bank. 

I had savings accounts in my kids names at Wells Fargo bank in XXXX on XXXX, and there were fraudulent withdrawals made from the account. 

I have been trying to get this resolved with the bank for XXXX years, and they keep denying my claim. 
I would like to have the stolen funds returned to my children 's accounts, and the interest to be paid that they lost out on. 

I have all of the transaction dates, account numbers, and even a strange address in XXXX someone used to withdrawal the money from. 
I even filed a police report with the XXXX XXXX  State Police. 

Still, Wells Fargo will not return our money. 

The reference number for the claim filed with Wells Fargo is : XXXX