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

Contacted bothXXXX and XXXX several times to dispute duplicate credit from 700Credit. 

Only ( 1 ) of these many inquiries were made outside of XX/XX/2020 and should be deleted for the reason of duplicate credit inquiry entries within a certain period of time. 

XXXX and XXXX are able to see all of these inquiries and dates but have refused to take immediate action to delete these entries but instead placing the burden on the individual disputing the item ( s ) to complete a burdensome process. 

Lenders can confirm current or previous credit requests for customers but instead contribute to lowering consumer credit report scores by fraudulently processing multiple credit inquiries. 

Credit bureaus should also provide consumers the right and a way to dispute inquiries within their credit report files such as other account dispute processes either online or over the telephone with a representative.
Product: Credit card

XXXXXXXX XXXX had an offer of XXXX  year. So I called today XX/XX/year>. They said the offer ended on XX/XX/year> so I have to pay XXXX XXXX XXXX of interest. Where does it state that? That is unfair, unjust/robbing people who can barely make a decent living. I let them know that I can pay the XXXX this week and they refused to work with me. I have NEVER been late on a payment and they saw that and still did not care or want to work with me.
Product: Checking or savings account

About 4 months ago, received a Wells Fargo bank savings promotion for {$520.00} if open a saving with $ XXXX deposit. The requirement is : Quote : Open a new XXXX XXXX account, or other eligible consumer savings account, with a minimum opening deposit of {$25.00} and complete the steps outlined below to receive your {$520.00} bonus. This offer is for new savings customers only. I opened the savings account online but there was no field to enter the offer promo code. I went to the branch and the banker helped input the promo code into the newly opened savings account. The banker said I am 100 % qualified for this promo because I don't have existing savings. Fast forward, I checked my savings account and I did not see {$520.00} credit. I filed a complaint with Wells Fargo and was told because I opened the savings online therefore disqualified. Then they closed the case. I went back to the same branch and spoke with the same banker who entered the promo code. Now already past 2 weeks still without any answer. I felt like the bank was cheated out of consumers when we brought in new deposits into the bank. I felt the bank did not commit to their offer and lied to consumers. Please investigate this bank. I will close all my accounts with Wells Fargo. Thanks
Product: Credit reporting or other personal consumer reports

Experian reinsert an old debt as new from a collection agency that reported the debt as new. The debt that was removed from my credit report 3 years due to not being mine and past the stature of limitation. There was no validation of the debt that a new collector XXXXXXXX XXXX XXXXXXXX is reporting as new .Section 605 ( a ) ( 4 ) of the FCRA says charge offs and collections can not be reported any longer than 7 years, and section 605 ( c ) ( 1 ) says the clock usually starts ticking 180 days after the date of first delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear ..., Please help because I figured out in my credit report accounts that I have never authorized. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile or changing whatever they want. Well, by this message I would like to let you know that I do not recognize these accounts and I have never given any permission to any company to do something like this- ITS IDENTITY THEFT for sure. So please remove all of them as I can not move on in my life when I have unknown information in my credit report. 

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

Consumer financial service duplicated my car loan. Then noted my car loan is past due and I cant remove it this company is trying to scam me out of {$1800.00} due to late fees but I have the lien removed from my car and a confirmation of loan discharge.
Product: Mortgage

To Whom It May Concern : I asked for a mortgage from Wells Fargo for refinancing purposes. It not only took 5 months for them to review and look at the documents even I was warning them the time was passing ( their employees are not aware of what each other do ), they did mistakes when submitting the loan requests and restarted the process therefore ... After all these mistakes, they tried to charge me fees to extend my mortgage rate lock every 15 days. I said that they may not move so slowly and charge another {$250.00} every 15 days to keep the rate locked. Then they threatened me with canceling the mortgage process if I do not lock the rate. 

I also said I will not pay for any appraisal costs until my file is approved. I said the appraisal has to be done last in the process, so I do n't pay appraisal fee for nothing. They not only charged me the appraisal fee of {$670.00} ( which is outrageous for a condo appraisal anyways ), but also pushed me to pay {$250.00} extra every 15 days to extend the rate lock. Then I said that they need to refund my appraisal fee and I will not proceed. Then they said they found some XXXX being mentioned in the condo association document. This is why they will not do mortgage. This is an old condo from XXXX in XXXX and there are so many other condos financed there. I said that is fine that we do not move with the process after 5 months and asked them to refund the appraisal fee charge. I have all the emails and conversations recorded. 

The issue is : 1 ) Well Fargo may not push the customers to pay {$250.00} every 15 days to keep the mortgage rate to be locked if the customer says 'Let it float until we close ''. They are doing deceiving practices and abusing the consumer. Their initial Fair Faith Mortgage Cost Estimate document did not match what they finally sent to me due to those lock rate extension fees. 

2 ) If the customer asks that appraisal fee will only be done after all the process is completed to make sure everything is approved, they may not charge my credit card without my consent as I know they play these tricks. I clearly said the appraisal may only be done as a last step in the process ... 


You need to help me to penalize these guys who take advantage of the customers and run like wild West. I will sue them. Thanks! 

Regards, XXXX XXXX
Product: Checking or savings account

Hey there, I'm reaching out because Bank of America terminated the merchant agreement and closed our account for the business, XXXX XXXX, on XX/XX/year>. They have provided no explanation for the termination and that has detrimentally affected our business ability to run. 

Weve been a loyal customer of Bank of America for over 20 years. No warning, no explanation - and our account with them is gone. Considering theyre the only payment terminal partner accepted by our web hosting company, XXXX XXXX we're unable to operate as is and receive payments. 

After termination, I was told Bank of America " will no longer process credit, debit, or prepaid card transactions that were submitted to the merchant account. They also notified me that I needed to move funds due to account closure. We were only given 2-3 days to do this which has left our business without a way to process transactions It truly feels like were fighting an uphill battle against a whole monopoly when it comes to Bank of America XXXX We really need some help in dealing with them. 

Ive tried continuously to get answers from them on the reasons why, but no one has been able to provide a response for and how to pursue next steps. Ive been calling/emailing for days just for some clarity. I would like help getting the account reopened and help on pursuing on answer on any guidance to move forward. 

Merchant account number : XXXX XXXX, XXXX XXXX
Product: Debt collection

Midwest Recovery Systems is practicing illegally in North Carolina. I have submitted a compliant with NC Department of Insurance as well as the NC Attorney General 's office because for some time I have been fighting the Credit Bureau about Midwest Recovery Systems BOGUS and FRADULENT based account on my credit report. <P/>I have sent several messages to XXXX, XXXX and XXXX about the fraudulent PAYDAY LOAN Account ( per the credit report the company is a PAYDAY LOAN Company ). After much research and back and forth with the bureaus, I found that Midwest Recovery is not even licensed as a Collection Agency in North Carolina and they have placed this FRADULENT account on my credit report since 1st Quarter of this year. Midwest is saying I had a payday loan from a company XXXX XXXX XXXX that is not even in business when I researched the company for information. ( XXXX XXXX XXXX XXXX  The attachments will show you they are not licensed here in North Carolina, it will also show you the company they claim I owe is not in business. I have also included the link below that I am not the only one they are doing this too. <P/>The credit Bureau keep saying verified for FRADULENT information. Please not only investigate them but stop them from doing this to others in our state but other states.
Product: Credit card or prepaid card

On XX/XX/XXXX I drove to the XXXX XXXX, CA parking lot located near XXXX XXXX XXXX XXXX around XXXX. I left my wallet and phone in my vehicle, then locked my car key in a storage box secured to the top of my vehicle. When I returned to my vehicle approximately 2.5-3 hours later, I found my storage box open where the car keys had been secured. I could not access my vehicle which was locked. I borrowed a phone from a stranger ( XXXX XXXX ) and my first call was to Chase Bank to report that I believed my wallet had been stolen. The Chase representative asked me if I had purchased something from XXXX and XXXX XXXX and I immediately told him no, that my wallet had been stolen, I did not authorize those purchases and that all my 3 Chase cards were stolen as well and possibly being used to make fraudulent purchases. I directed him to immediately cancel all my 3 cards, my Sapphire card, XXXX XXXX, and visa/debit card. 

I soon learned that my cellular phone had also been taken and that 3 of my Chase cards were taken and used in fraudulent purchases. When I was able to get my spare car key, I filed a police report. In the next few I spent several hours on the phone with Chase representatives and explained what had happened and opened claims for the fraud that had occurred on my accounts and I also requested new cards. Immediately all of the charges on my 3 cards were reversed pending the investigation. The two Chase credit card departments found in my favor, however on XX/XX/XXXX Chase reversed the reversals of two charges for my ATM/credit card and denied my claim of fraud ( claim # XXXX ), resulting in two fraudulent charges and they deducted the money straight from my checking account. These two charges were {$4700.00} from XXXX and {$3100.00} from XXXX ( total of {$7900.00} ). 

What I believe happened based on my subsequent conversations with Chase was that the thieves had stolen my phone and received a call from Chase on XX/XX/XXXX while at XXXX and they pretended to be me and authorized the charge. Chase must not have used any kind of verification to make sure it was me. They never followed up to get security footage which would have showed that it was not me. They did no investigation whatsoever. I have contacted chase several times in subsequent months including in XX/XX/XXXX and they told me to fax them additional information and indicated that they would fix the problem ( attached ), however they have strung me along and done nothing.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify TransUnion for not properly investigating and CPFB for not doing enough to prevent TransUnion from continuously violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This letter serves as an official notice and a request for immediate corrective action. 
Specifically, TransUnion has violated my rights under the FCRA in the following manner ( s ) : ACCOUNT 1 ) XXXX XXXX XXXX XXXX  - FOR YEARS HAVE REPORTED THIS ACCOUNT INCORRECTLY, BALANCE, AND PAYMENT HISTORY IN THE AMOUNT OF {$7700.00} ACCOUNT XXXX ) XXXX XXXX XXXX XXXX - FOR YEARS HAVE REPORTED THIS ACCOUNT INCORRECTLY, BALANCE, AND PAYMENT HISTORY IN THE AMOUNT OF {$1700.00} ACCOUNT XXXX ) XXXX XXXX THIS IS NOT ASSOCIATED WITH ME. 

Failure to maintain accurate and up-to-date information on my credit report, in violation of 15 U.S.C. 1681e ( b ).

Failure to properly investigate a dispute regarding inaccurate information on my credit report, as required by 15 U.S.C. 1681i.

Providing my credit information to unauthorized third parties without my consent, in violation of 15 U.S.C. 1681b.

As a result of these violations, I have suffered harm, including [ explain the consequences, such as denied credit, higher interest rates, emotional distress, etc. ].

I demand that TransUnion AND CFPB take the following actions immediately : REMOVE ALL THREE ITEMS LISTED ABOVE Provide me with a detailed report on the investigation conducted regarding my disputes.

Cease and desist from sharing my credit information with unauthorized third parties.

Please consider this letter a formal demand for compliance with the FCRA. If these issues are not addressed within [ reasonable time frame, e.g., 30 days ] from the date of this letter, I will have no choice but to pursue legal action to protect my rights.

I expect a written response detailing the actions TransUnion AND CFPB has taken to resolve these matters.
Product: Credit reporting or other personal consumer reports

I require your help to resolve the issue of an incorrect account on my credit report. This has been detrimental to my reputation as a customer, and I am asking for these accounts to be removed due to their inaccurate and negative reporting
Product: Debt collection

I do not know who these companies are and have never had an account with them. They continuously call and send documents however, these are not companies I have had any agreements with. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX IDEALCOLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

My credit score is over a seven hundred and I have no late payment and zero utilization on my current credit card. I meet all of the requirements for a Discover Card listed on their application process but still was denied.
Product: Money transfer, virtual currency, or money service

I was scammed XXXX  times The first time I sent money to XXXX, XXXX XXXX, XXXX wallet XXXX  The next was the XXXX  which was XXXX The third time it XXXX  I Sent themXXXX, XXXX, XXXX and XXXX they said they have XXXX to send it to me and they want XXXX more, XXXX  XXXX said if I paid the tax XXXX and XXXXXXXX XXXX XXXXXXXX The forth time is was XXXX-coin I spent XXXX and I was supposed to get XXXX The next fifth time was a lawyer and XXXX XXXX I XXXX them XXXX and they wanted XXXX I have a FINRA complaint, XXXX police report, and a social worker report
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I am a Consumer that currently reside at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX in XXXX XXXX . I am writing this complaint because I originally filed a complaint with XXXX through the CFPB 's website on XX/XX/XXXX, XXXX case number : XXXX, in which XXXX responded back on XX/XX/XXXX. This response was outside of 30 to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX responded on XX/XX/XXXX, stating that this account was, " NOT REPORTING '' on XXXX XXXX XXXX, Consumer 's, XXXX credit report. However, it's still reporting. After speaking with an agent at XXXX, which was mentioned in the latter complaint filed with the XXXX on XX/XX/XXXX, case number : XXXX, in which XXXX opened the complaint on XX/XX/XXXX. As of XX/XX/XXXX, the time frame for XXXX to conduct a reasonable reinvestigation has expired once again, pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ). XXXX willfully continues to not comply with Federal and Consumer Protection Laws. THIS NEEDS TO BE INVESTIGATED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00}
Product: Credit card or prepaid card

Copy of email sent to Corporate Heads at Best Buy : This complaint is regarding an illegal charge that caused my credit score to drop over 80 points. I was made aware when I checked my FICO score ( which I check constantly ). My score dropped from XXXX to XXXX ALL BECAUSE OF THIS ISSUE WITH XXXX AUTOMATICALLY BILLING FOR XXXX COVERAGE OF MY XXXX. Please be aware that I do not have to have coverage, so why are you all billing AND NOT OFFERING me yearly coverage like you NORMALLY DID IN THE PAST. It's my decision if I want to continue my coverage. 

I'm highly upset and as a XXXX XXXX XXXX, I'm disappointed. I've work extremely hard on my credit and have been a Best Buy customer for 5yrs. 

Who gave XXXX the authority to charge and subsequently report the XX/XX/2019 charge past due and late? Why was I not contacted about the charge? If automatically billed, why was it not automatically paid with my bank account on file? 
As of XX/XX/XXXX, this caused Citibank to charge 2 late charges and interest charges. I contacted Citibank and in order for them to reverse the late charges, I had to authorize them to take the original payment from my bank account on file. AND THERE'S STILL REMAINS AN INTEREST CHARGE OF {$6.00} is due XX/XX/19. 


Please update information to all 3 credit bureaus and have my credit score RESTORED to its original number IMMEDIATELY.
Product: Credit reporting, credit repair services, 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 unde

r 15 USC 1681. 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

In accordance with the Fair Debt Reporting act XXXX # XXXX, has violated my rights. 
15 U.S.C.1681 Section 602 A. States that 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Consumer Loan

My husband and I decided to go get a car in XXXX XXXX. We were approved for a loan with a lender by the name of XXXX XXXX XXXX. We received our car and have been paying our car note ahead of time every month. At least 5 days before its due. In XXXX like every other month, I made a payment on XXXX XXXX, XXXX. I paid on XXXX online payment center and received a confirmation email that the payment was successful. On XXXX XXXX, XXXX I received a call from XXXX stating that they are now my new lenders. I never received a notice or any warning that my loan was being sold. That 's neither her nor there. They advised me at that time that they have not received my payment for XXXX XXXX. I advised them that I had already paid XXXX. They told me that they acquired my loan on XXXX/XXXX/XXXX and that they probably just had n't received my loan yet. So they told me not to worry and that they would reach out to XXXX. Innovate loan company has been calling me numerous times out of the week and I have constantly told them that I have already made the payment. I offered to send in a copy of my bank statement and also the confirmation email that I received. They advised me that it would not be necessary. On XXXX XXXX, XXXX after being told that they still have not received the payment I contacted XXXX personally and spoke to XXXX XXXX to check on the status. XXXX informed me that they have already sent the payment electronically and no one from Innovate Loans has reached out to them. I then contacted Innovate Loans back and spoke to XXXX and offered her a contact number and a contact name. She advised me that they are unable to make third party calls. I asked her if they do n't receive my payment in 30 days what would be the outcome of my account. She advised me that they would report to the credit bureaus that I am delinquent. That would be incorrect information. I then asked to speak to a supervisor. She transferred me to a supervisor, XXXX voicemail. I have called back twice a day and now only being transferred back to XXXX voicemail. I have not received a call back with a resolution or even options. I should not be held responsible for something I was not even aware of. Now my loan, car, and credit is at jeopardy. My next payment is due XXXX XXXX. I have looked for a corporate number and have been unsuccessful. The agents are very rude and very unhelpful. I will attach my bank statement and email confirmation to show that the payment was made. I just want this matter resolved.