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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.
Product: Vehicle loan or lease

I XXXX the response from Wells Fargo Auto Fnance, and XXXX actually responded that {$2600.00} for income was seen on the loan application. This should have alerted Wells Fargo Auto that this information was incorrect as I banked with Wells Fargo for close to eight years. I was turned down a loan for a mobile home on its own property XXXX years ago. 

This should have been enough for Wells Fargo Auto Finance to check my assets in my checking account. They are a guilty as the car dealership who I am currently suing. I have never had that amount of cash in my checking account, and Wells Fargo knew I banked with them. I do not accept their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are reporting different date of last activity on three inaccurate accounts reporting on my credit report. The account for XXXX acct # XXXX, XXXX XXXX acct # XXXX, and account XXXX  acct # XXXX, are all reporting different DOLA dates. The keep coming back saying it's accurate. How can it be accurate when everyone is showing a different DOLA date for each reporting.
Product: Credit card or prepaid card

In approximately XX/XX/XXXX -XX/XX/XXXX, XXXX  ran a TV commercial offering a credit card with " prime rate for life. '' That was roughly 25 years ago when I applied for and got their credit card with the prime rate interest rate on the card. The XXXX credit card company went through several transitions of different owners and now Citi appears to own the account. 

At some point along the way ( perhaps 15 years ago? ), the then current owner of the credit card company ( perhaps XXXX XXXX XXXX ) informed me that they were going to change ( increase ) my interest rate. I immediately called to inform them that the increase was unacceptable because I was promised " prime rate for life. '' Their response was to instruct me that I should not make another charge on the credit card, then if making no additional charges on the credit card, they told me that I would be able to retain the agreement of " prime rate for life. '' They further informed me that if I did make a charge to the credit card, then that would signify my acceptance of the new terms and result in a change of my interest rate. 

I responded telling the credit card company that I would not make another charge on this account so that my interest rate would remain " Prime Rate for Life. '' I then cut up my credit card and never made another charge to the account. So I fully expect that all of the charges on my account should have been remained under the original " prime rate for life '' agreement. 

Sometime along the way, I put my card on autopay and then did not look at my statement for years upon years. Recently, this year, in XX/XX/XXXX I looked at my statement had could see that I was being charged a rate much higher rate than prime rate. I called the phone number on the statement and spoke with several people about the problem. Their initial stance was to try to obfuscate. When I remained firm and demanded to break the issue down to eliminate the obfuscation, they then told me that they would have to research the issue and that they would send me a response via USPS mail. I asked if it were possible to get their response via phone or email, and they told me that, " no, their response was required to be sent by postal mail. '' I received their response yesterday in the postal mail. Their response states, " Thank you for contacting our Customer Service Team. 

Please provide documentation that you were offered the Prime Rate on  your account. 

If you have any other questions call ... '' This seems to me to be another attempt to thwart my efforts to get a fair and reasonable response. I do not have any documentation from 25 years ago when setting up this credit card account. Perhaps they should show me documents that reflect whether I owe them anything at all? 

I would request that the company show me the records stating that I in fact have prime rate for life. If they can not do that, then I would like to ask the company to prove that I owe anything at all.
Product: Credit reporting or other personal consumer reports

I would like to follow up in regards to rectify the fraudulent items on my credit report have been handled. Despite my persistent efforts to have these fraudulent entries removed, they persist on my credit file, causing severe financial and personal distress. These fraudulent entries have had a profoundly negative impact on my credit score, making it difficult for me to access credit and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. Please help me remove these fraud items in my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} ; 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 Balance : {$3100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$150.00} 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  Balance : {$0.00} .
Product: Credit reporting

for couple years equifax has been reporting to XXXX different reports from them with all my information in except of XXXX number from my social security the incorrect social security file has all my personal information and a lot of my accounts from present and past keeping me able to obtain the best rates and loans available in the market because a mistake they did and are not able to fix. I have contact them and talk to them for several days and hours on the phone and they do n't listen and keep telling me that is fix when is not because I keep getting those reports to my home with the incorrect information.
Product: Checking or savings account

So I received a check from an insurance company of XXXX XXXX for XXXX XXXX XXXX XXXX XXXX  because their employee was at fault for hitting my car and they were paying for the damages. They sent out this check for me around XX/XX/2022 or close to that date but I cashed it on my Capital One account XX/XX/2022 because it kept getting delayed. Usually when I deposit a check to my bank account with capital one, it go through with no problems. They put a hold on it because of the amount which was {$3600.00} and so I had to wait for it to be clear until XX/XX/2022. When the date has arrived I called them about it and they said it was unfamiliar and it might be a scam ( which it wasnt because I talked to the insurance people about it and they said they would talked to them if they want to prove it. They was not trying to hear it and was brushing me off. So Capital One made the decision to block my calls from coming in so I wont have no way of contacting them and closed my account for good while they have it under investigation. Ive called so many times and they gave me the cold shoulder about it like I dont have a child to take care of and I have proof that my deposit was cleared. I finally got a hold to a representative after so long of looking for a direct number to the Capital One bank that doesnt have me blocked or on the security list to send me calls straight to voicemail. They told me the same stuff and brushed me off to the side and said I dont have any money in my bank account but they took some of it for some other deposits that was sent to me by accident. Its not fair and its really frustrating that they got a hold of my money. I am a single mother already struggling to get my life back on track and for them to hold my money like I dont have bills is ridiculous. I want my money I dont have to be with that bank anymore.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On or around XX/XX/year> XXXX was removed from my account without any explanation. I filed a fraud complaint and received no response after several months I had to contact Navy Federal credit union and was told the complaint had been denied. They could not tell me why I was not contacted. I filed an appeal and again had no response finally I contacted them and was told my appeal was denied. I demanded all information about the matter and received the attached document.
Product: Debt collection

Robo calls at all times of the day and night, Keep asking them to mail support evidence that I owe them anything and they keep opening collections on ghost balances I do not them anything and want them to stop harassment and using my social security number as their dumping grounds. They failed to mail me any supporting evidence and when I tell them to stop they call even more, sometimes it is a person that has a heavy XXXX accent and can not understand them. 
I am sure I am not the only one with this problem.
Product: Credit reporting

Re : XXXX XXXX XXXX ( {$200.00} ) & XXXX XXXX ( {$59.00} ) SS # XXXX Hello, My name is XXXX XXXX XXXX and I am writing a complaint against TransUnion about my Credit Report. I have no affiliation with XXXX XXXX XXXX and XXXX XXXX. On or about XXXX XXXX, 2016, Your company states I owe : {$200.00} AND on XX/XX/2016 I owe : {$59.00}. I am a Veteran and you have listed someones information on my file without my knowledge. I have never visirted this place or do n't even know here this place is located. 
I would urge you to have all of themse items removed form my file ASAP, and clean my record as it used to be. I do not appreciate your lies and deception.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is listed as being OPEN and having a PAST-DUE BALANCE of {$3200.00} creditor is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$380.00} which I do not recall having that account. This is a violation of the FCRA and is in violation of requisite METRO2compliant reporting standards.

According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate.

Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion. 
The following hard inquiries have never been requested by me XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is the second time that I'm reaching out to XXXX, XXXX and Experian about, fixing my personal information. because this information was inaccurate, it is effecting my credit score.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following items to be inaccurate. I disputed these items and I disagree strongly with the results. Please provide how this information was validated as required by 15 USC 1692g. Validation of Debt. 

XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX-DELETED XXXX XXXX XXXXDELETED XXXX-VERIFIED AS REPORTED Account Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I initiated a wire transfer from Wells Fargo 's official website to a XXXX account. According to the confirmation note I got from Wells Fargo, the money should be sent on XX/XX/2022, and be delivered to the recipient on XX/XX/XXXX. The amount I transferred was {$11000.00}, wire transfer fee was {$45.00}, tax was {$3.00}, and the total USD taken from my account was {$11000.00}. The money was transferred in USD, so no currency exchange was involved. 
However, the recipient hasn't got the money until XX/XX/XXXX, so I called Wells Fargo 's costumer service to ask about this situation. I was told that the money should have been on the recipiant 's account according to Wells Fargo 's record. I was provided a confirmation number which is said to be given by the recipient 's bank when they received the money. Given this confirmation number, the recipient checked with their bank, only to be told that their bank did not provide the number nor did they receive the money. 
On XX/XX/XXXX, I called the customer services again and was told that the regular customer service could not solve the problem related to wire transfer so my request would be transferred to the special team for wire transfer and I should be replied within 10 business days through my Wells Fargo online account message center or my email address. I was also given a ticket number regarding this call.

10 business days later, on XX/XX/XXXX, I still didn't hear anything from Wells Fargo ( neither message center nor email ) regarding this wire transfer, and the recipient didn't get the money. So I called the third time to the customer service only to be told to call back at the regular working hour when the wire transfer special team works. 
I don't want to call them unless it's absolutely necessary, because a ) they should have solved my problem because it has been so long, b ) waiting on the line is so time consuming, and c ) I have to pay the bill for calling.
Product: Credit reporting or other personal consumer reports

I have made over XXXX disputes for over 10 months. XXXX is XXXX on usbank credit card! It continues to say in dispute status and has never been resolved. It once said XXXX balance then they added balance of {$3600.00} back on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet continues to report my account as past due even though i am in a forbearance and have been for over a year. They are reporting 180+ days past due on credit causing financial stress and denials for credit for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Transunion credit bureau. I currently subscribe to credit monitoring and received seval alerts on XXXX and XXXX. I immediately took action as I have not applied for any credit. I contacted the companies in question and was informed that no new / active accounts were opened in my name and that I should contact the credit bureau with my inquiry concerns. I contacted Transunion on XXXX to dispute the inquires that appeared on my credit report. I was told by the representative that the inquires were factual data and could not be disputed. I insisted that these be removed because I was not the person that inquired about any new credit trying to be obtained. The representative continued to state the same info given previously. I asked to speak to a supervisor and was told that there were no supervisors available. I then ask to speak to someone in the fraud department and this is when I was hung up on or intentionally disconnected. At this point i was very upset and decided to wait until the next day to call again. On XX/XX/2022 I contacted Transunion again and asked to speak to the Special Services department. I spoke with a lady named XXXX and explained the situation and she asked me identity verifying questions which I answered and she said that she would initiate an investigation into the matter and that the inquires would be removed within 48 to 72 hours. I followed up after the given time frame allowed and the inquires were still present. I have followed the protocol that I was asked to follow and still no satisfactory result. I have also filed and mailed a certified 609 letter stating that the inquires are not mine and asking that they be disputed, investigated and removed in a timely manner because of error / mistake or false identity. In summary all I'm asking is the removal of the inquires that were not initiated by myself. The inquites are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you in advance
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX
Product: Checking or savings account

OnXX/XX/2019, I opened an account with TD BANK, via the web ( online ), it was approved. In total there were two accounts, one checking and one savings. I requested my debit card, it arrived and when I activated it by phone, they blocked my access to the account. From then until today, I have made thousands of attempts to get the problem resolved, including the solution that they closed my account and sent me a check to my current address and they tell me that they can not do it, that I must personally introduce myself to a branch. I had to leave the XXXX due to a family health problem to XXXX, and since then I have requested the reactivation of the account, even after having gone through all the identification mechanisms with the fraud department, with the customer service department customer. etc and the answer has always been that I must go through a branch. I told them that they could not be so closed because if I had a physical or circumstantial impediment that prevented me from traveling to the XXXX, they can not withhold money from me for as long as they want.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into and the removal of an unauthorized hard inquiry on my credit report. I recently discovered this inquiry on XX/XX/23 when reviewing my credit report, and it has come to my attention that I did not provide consent for such an inquiry to be conducted. 

Below are the details of the unauthorized hard inquiry : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 Inquiry Type : Hard Inquiry I would like to emphasize that I did not authorize any entity to make a hard inquiry on my credit report at the specified date. I am concerned about the potential impact of this unauthorized inquiry on my credit score and overall creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax enclosed is a copy of your credit changes on my report you reported updated in my favor but my score dropped 8 point s the only thing was i an in dispute and reinvestigation is taking place my question is why you dropped 8 point because if an investigation the changes were in my favor not negitve
Product: Credit card or prepaid card

I, XXXX XXXX XXXX WAS CHARGED {$2800.00} ON XX/XX/2010 BY A COMPANY CALLED XXXX XXXX. THIS COMPANY TOOK ADVANTAGE OF ME AND DID NOTHING AT ALL FOR ME.. I TRIED TO REPORT THIS CHARGE AS FRAUD WITH MY CREDIT CARD COMPANY. THEY REFUSED BECAUSE IT WAS 9 YEARS AGO.