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

I am a military veteran, and after recently applying for a home mortgage I learned that someone has aggressively used my personal information as their own to obtain goods and services unbeknownst to myself XXXX XXXX, I have contacted each account holder to no avail. When the accounts listed below was opened I was on XXXX XXXX in the XXXX  XXXX away from the United States, I have never given anyone authorization to use my personal information they aggressively attempted to secure a car loan causing creditors to run my credit numerous of times, I have listed the accounts that were opened fraudulently, and the inquires that were not authorized by me. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute with Equifax and there are still inaccurate information being reported on my report
Product: Debt collection

I sent a letter on XX/XX/XXXX asking XXXX XXXX XXXX to verify 2 items they are currently reporting on my credit report. One acct # XXXX for {$320.00}. Another acct # XXXX for {$480.00}. I only got an update to my report saying these items are verified. I have not received anything verifying this items.
Product: Credit reporting

HARD INQUIRIES : I 've been through this before with these XXXX. This has to do with recent complaints against XXXX XXXX XXXX. In closing out my line of credit ( my choice ) and in lowering my line of credit limit without telling me just 1 business day before I CLOSED ALL XXXX XXXX ACCOUNTS, I have been through this multiple times with XXXX XXXX. Two years ago they HIT HARD INQUIRIES ON MY CREDIT REPORT 5X for just a small line of credit. I complained to the CEO. Off course that took me to the CEO 'S TEAM in Arizona WHO ALSO HIT MY CREDIT REPORT HARD INQUIRIES. I have NOT applied or requsted anything from XXXX XXXX. I am ONLY GUILTY OF VOILA! ... wanting to pay off my bill with them and close account due to their poor business practices. Since I have CLOSED MY ACCOUNT WITH THEM MISQUOTING MY FINAL BALANCE DUE, WHICH WAS WRONG, NOW THEY OWE ME MONEY, I AM TOLD XXXX XXXX HAS HIT MY CREDIT REPORT 2 HARD INQUIRIES. I applied for nothing. HAVE THEY HEARD OF SOFT INQUIRIES? Apparently not! I WANT THESE INQUIRIES REMOVED IMMEDIATELY FROM ALL CREDIT REPORTS. Credit reporting agencies DO NOT GIVE CNSUMERS THE RIGHT TO DISPUTE THESE. THIS WAS DONE FOR MEANNESS AND MORE ANGST. THEY HAVE SOMEONE HERE THAT DOES NOT SING THEM PRAISES, BUT WILL TAKE STEPS TO PUT THEM OUT OF BUSINESS AS FAST AS I CAN. 2 TIMES AND MY CREDIT REPORT GOES DOWN XXXX POINTS. TAKE THEM OFF XXXX XXXX. I WILL REPORT YOU TO THE BBB FOR IMPROPER BANKING PRACTICES,, THE FDIC FOR IMPROPER BANKING, AND I HAVE REPORTED YOU HERE. I WANT MY MONEY YOU HAVE BACK IMMEIATELY IN OVERNIGHT MAIL AS I WAS IN AND PAID CASH. THAT IS NOT GROUNDS FOR A HARD INQUIRY AND YOU DID NOT HAVE MY PERMISSION. In tthe past, I dealt with XXXX XXXX of XXXX XXXX Exec Branch in Arizona. They even hit all HARD INQUIRIES. I WANT ALL REMOVED AND I WANT THEM REMOVE NOW. I WILL THEN REPORT EACH INDIVIDUAL CREDIT BUREAU FOR PUTTING THEM ON. I never requested another thing from XXXX XXXX and want nothing but the money they overcharged me on XX/XX/XXXX to close my account and each day they keep it, I want interest that they charge me daily added to it. RETURN MY MONEY. REMOVE HARD INQUIRIES OFF MY CREDIT REPORT. YOU ARE NASTY NASTY PEOPLE. THE PEOPLE ARE ON TO YOU!!!!
Product: Credit card or prepaid card

I had a fraudulent charge of {$90.00} made to my account in XXXX of this year. I discovered this in XXXX and had Macy 's Fraud Investigation Department begin an investigation immediately. They closed the stolen account and opened a new one. They released a letter on XX/XX/XXXX ( attached ) claiming that they could not find evidence to support my claim. And they moved the disputed charges ( plus late fees ) onto the new Macy 's credit card. 

I was told by the Macy 's Fraud Investigation Department that this fraudulent charge was made in person at a shop in California. I was in XXXX during the entire month of XXXX, which I can prove through GPS data, various purchase receipts, security camera footage, and photographs on my phone. 

Macy 's was silent since XXXX until XX/XX/XXXX, and my credit score went down by XXXX points because of this fraudulent charge. When I reported this to consumer reporting agencies in XXXX, they finally closed the investigation but it was against my favor. They are literally charging me for a purchase that I can prove could not have been made by myself. 

Please help me resolve this issue.
Product: Checking or savings account

In XX/XX/year>, I had cadence bank. I was going through financial hardship and was applying to XXXX XXXX online to get some extra cash for bills. So it was different lenders that were receiving my information. One lender called me by the name of " XXXX XXXX XXXX '' and took my information and stated he will deposit the loan in my account. When that money reached my account, I noticed it was checks being deposited. I texted the " lender '' and stated i did not want to proceed and I will contact the bank to get it cancelled. XXXX stated it was money added to my account and it's fine. I stated what happened and I had to pay cadence bank {$800.00} and they closed my account. This same hacker got upset and stated he will make my life XXXX and miserable attacking all of my bank accounts. I currently have citibank and when I got paid through citibank, the scammer also took my money out of my check TWICE and sent money to XXXX people by the name of XXXX XXXX and XXXX XXXX or XXXX? I disputed my money and got the money back. The XXXX XXXX  person has disputed the money BACK out of my account and citibank REFUSES to give me my money back when you can clearly see it was taken when i got paid!!!!! I have NO idea who XXXX XXXX  is nor the " lender'/scammer. I need help asap!
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME UNAUTHORIZED INQUIRIES STILL REPORTING. 

EQUIFAX : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX - XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Debt or credit management

All stated previous page and all included in my credit files as I do not have a way to print these and too much hassle to try to find someone to print info out for me to relay direct to you. This is easily verified in my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account with inaccurate late payments that I have been disputing with each credit bureau for quite a while now. 

They are verifying multiple inconsistent inaccurate late payments for XXXX of XXXX, XX/XX/XXXX and XXXX of XXXX. How is it that one bureau reports this account late but the other two report it as on time? If the credit bureaus all get their information from the same place, why are they reporting inconsistently? 

Its clear that no valid investigation was done into the account pertaining to these inaccurate late payments which is against the law and my rights as a consumer to have accurate information on my credit report. These late payments are illegally reporting and I am demanding that they are deleted from reports and that this account is updated as on time as I was never late on this account!
Product: Credit reporting or other personal consumer reports

i have late payment in my crdit report but im never pay late may mortgage.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

US DEPT OF EDUCATION XXXX Balance : {$4400.00} US DEPT OF EDUCATION XXXX Balance : {$9600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXXXXXX 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
Product: Money transfer, virtual currency, or money service

My father XXXX XXXX sent me {$190.00} through Venmo to help me pay a utility deposit. I signed up for Venmo and received the money no problem. I added my personal checking account ( verified through XXXX ) and did a transfer of the money to my checking account. Upon reaching out to the company, I was told an account specialist had to review the transaction but they would not tell me why. I've submitted my driver 's license, social security card, debit card and a selfie holding my license. The initial transfer was supposed to take 24 hours. Now they're saying they are holding my money for a minimum time period but will not tell me why, when this will end, or if they've just stolen my money. 

If I can not pay this deposit and lose my apartment over it they will have created significant damage in my life, perhaps even homeless. Again, this was the very specific amount of {$190.00} and from my own dad. This is wrong and they should not be allowed to arbitrarily hold money with no explanation
Product: Credit reporting

I have disputed since XXXX and equifax and companies are bouncing me around. My information was used to fraudently apply for an XXXX XXXX XXXX account and also a XXXX account. There are XXXX inquiries on my credit report and Equifax, XXXX XXXX XXXX and XXXX has refused to remove these HARD inquiries which are affecting my credit score. I faxed documentation to support the incorrect information, but neither companies are complying and I am exhausted with dealing with them and hope to get assistance to remove this fraud.
Product: Checking or savings account

I have a refund of {$1000.00} from XXXX XXXX home builder in Florida in which I was in process in purchasing a home in Florida and my VA Loan was declined. 
I requested my {$1000.00} refund and XXXX XXXX sent me a check on XXXX XXXX and I deposit on my Bank of America checking account ending # XXXX. 
This funds that I used for a earnest deposit of {$1000.00} to purchase home in Florida around XX/XX/2019 was a fund from my XXXX XXXX XXXX from California XXXX XXXX XXXX XXXX. 

Respectfully, Bank of America shouldn't hold my refunds until XXXX XXXX, XXXX XXXX Home Builder is a large corporation and funds can be verified immediately through XXXX XXXX Financial Institution.
Product: Credit card

I used my Target M/C red card which is supposed to get me a 5 % discount on target purchases. I made a {$23.00} purchase on XX/XX/2015 and they only gave me a {$0.00} credit and said it is 5 %. I also noticed that they are not collecting the correct amount of tax which is 6 % in Florida as they only taxed {$18.00} of my cat food purchase of {$23.00}. I suspect this has happened on all of my target red card purchases for the past 5- years.
Product: Mortgage

I have paid every single monthly principle payment but NewRez and Shellpoint are committing a crime in a land grab of my property. 

They returned my payment for the month of XXXX. XXXX was paid and not sure where they deposited that payment. XXXX was just paid and there is no record of that payment either.
Product: Credit card or prepaid card

This is XXXX XXXX with full SSN XXXX, my home and billing address is XXXX XXXX XXXX XXXX XXXX Virginia XXXX. This is a new complaint against Wells Fargo Bank N.A and/or Wells Fargo & Company and/or Wells Fargo Card Services ( I will name them violator or violators ) .Today XX/XX/2019 and upon monitoring in detection of any newer attack or fraud subjected against my person by any newer retaliatory use of my personal or private confidential information, I discovered that the violator reopened an account ending in XXXX but I am not sure exactly when they reopened it after they closed it recently too .This account ending in XXXX was initially opened recently against my will and without any type of my consent to open it and in retaliation against me ( for engaging in protected activities such as but not limited to complaining to the Consumer Financial Protection Bureau ( CFPB ) against this same bank for Violations Of Consumer Rights And for its fraud against me too, and other violations against me ) in the same way and fraudulently to cover up their retaliations and fraud against me, the violator closed this account ending in XXXX after short period of opening it the way I described above and now and after they closed I found out that they reopened it against my will and in retaliation and to cover up their violations against me. So what is these violators deal against me? What are they trying to cover up by that? 

These violators are using my personal or private and confidential information left and rights without my knowledge or my consent and in retaliation against me. They violated my rights asserted under the Privacy Act, under the Consumerss rights asserted by different laws. 
I called the violators customer service center today XX/XX/2019 to investigate what they are planning against my rights this time by using my personal information left and right recklessly in retaliation against me .that call which I recorded it today and it is my privileged call and I Attached it for the CFPB. In that call the violator has nothing to say but confusing information after confronted with the facts of its retaliation is proven .they hang up on me and short after and in transparency I am complaining against them now about their continuous retaliation against my information and against my well being and my life that they destroyed it. 

All stated herein to my current states belief, knowledge and understanding and it is all subject to any correction or any change of any type at any time and by my person or my representative and Without waiving my rights. 

I will expose everything you are doing against me. You thought I will notice your violations at all, God is with me, protecting me and you will pay a huge legal consequences for your violations against me. 

Upon request by the CFPB i might consider providing regulators with more proofs and without waiving my rights under any circumstances to anyone. 

I will not Attached my other proofs that are now privileged and it will be or might be used in court of law. 
Thank you, The complainantXX/XX/2019
Product: Mortgage

I recently had a mortgage experience with Wells Fargo that can only be described as negligent, hostile, and deeply abhorrent. In brief, Wells Fargo made an error and did not release our Closing Disclosure three days before our scheduled closing date. They claimed to need fee information from the title company, but the title company had provided preliminary fees weeks in advance. [ We have email evidence of Wells Fargo confirming receipt of the fees one month before our close date. ] Wells Fargo failed to inform us they were missing fees until 12 HOURS before our scheduled close time. This error caused serious financial and XXXX XXXX for us because we had someone moving into our home the day after we closed on the new home. Now, instead of moving in as planned, we had to : 1 ) Pay the moving company to deliver our belongings to storage 2 ) Pay for storage over a holiday weekend 3 ) Pay for a second move from the storage company to our new home after closing 4 ) Board our pet for the weekend 5 ) Find lodging during COVID-19 with 12 hours notice Wells Fargo 's negligence quite literally rendered us homeless. Rather than settling into our first home, we felt more afraid and more alone than we ever have before. In the time since the incident, things have only gotten worse. When we asked Wells Fargo to reimburse us for the financial struggle they caused, they pointed fingers, displaced blame, ignored our calls, and refused to admit wrongdoing. Over a dozen calls to our case manager at the Wells Fargo Executive Complaint Office went unreturned. To be fair, our attorney warned us this would happen. In this words, Wells Fargo is the most " customer hostile '' bank he has ever worked with. Since the deal was already done and Wells Fargo had made their money, he advised there was almost no chance they would agree to reimburse us for their mistake. He was right. Our personal bank account was collateral damage to the ongoing operation of a corrupt corporation. 

I can not believe this bank is still allowed to operate given the scandals its been involved with over the past decade. Our case is just a drop in the bucket, given that Wells Fargo received over 23,000 (!!! ) CFPB complaints last year. I have to ask : At what point does the government step in and impose sanctions on a bank that is taking money from the American people for work they failed to do correctly? When will we finally place consumer welfare over corporate greed? 

[ Based on previous experience, I should note that I fully expect Wells Fargo to reply to this complaint with misinformation. They will claim the title company did not provide the fees in time and that it would be illegal for them to release our Closing Disclosure without fully balanced fees. Our attorney informed us this is, to be blunt, a bald-faced lie. He had closed on several homes the same week as ours where Wells Fargo released a preliminary CD based on initial fees. There is no excuse for Wells Fargo failing to release the CD on time, much less failing to inform us of a potential delay until 12 hours before our scheduled close. ]
Product: Debt collection

AMENDMENT OF PREVIOUS FILED COMPLAINT : On Monday, XX/XX/XXXX, gentleman by name of XXXX XXXX contacted me on behalf of XXXX for alleged debt I owe. I didnt answer the first time, so he called again from a different number. I didnt answer again. Then he called my work, my mother & my father. Which to me is harassment. This was all in the span of 15 minutes. I am not sure how he obtained my parents phone numbers. When he called my mother, she answered not knowing. I then spoke to him. He essentially threatened court & other court-related fees if not paid by that day. I explained I am in no place to pay that much in one day. He offered to give me 2 weeks time to pay. He did not verify the agency he was calling from & posed like he was a law firm. I agreed to pay, not knowing my full rights. I also asked him to no longer call my place of employment or family members. Upon researching his so-called firm, the phone numbers he called from nor the name he gave me of the firm, is available anywhere online through a XXXX search . After further research, it appears he was calling from AA Recovery Solutions.

The phone numbers he called from are as followed : ( XXXX ) XXXX ( XXXX ) XXXX On voicemail he left, number was XXXX
Product: Debt collection

This account is inaccurate and an FCRA violation. CREDIT COLLECTION SVCS # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights.Please honor all request of documentation.
Product: Vehicle loan or lease

I was late paying my car payment, but with Carmax auto financing, they won't report you to XXXX XXXX until you are XXXX month late. My due dates are on the XXXX. I paid the full amount PLUS late fee on XX/XX/XXXX in the amount of {$1200.00} and I had ample money in my account for it. I also had money in my account throughout the XXXX and the XXXX ( XXXX ). They did not attempt to charge my account until XX/XX/XXXX, at which point other payments also went through and my bank blocked the payment for lack of funds, however I never authorized them to take the money out this late. Now I have a late payment report on my credit which I can't do anything about despite having the money in my account when I tried to pay.