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

On XX/XX/XXXX, XXXX XXXX XXXX  pulled a hard inquiry on my credit without my consent. I signed up for their services for credit repair but instead, they messed up my XXXX and XXXX credit score even more. I called them on XX/XX/XXXX to have it removed ; they told me in the confirmation email I received in XX/XX/XXXX that it states their services require a hard inquiry. I read them the email, and there was no indication of hard inquiry. So they told me to dispute it through XXXX and XXXX. I recorded the phone.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I converted the equivalent of XXXX XXXX through Wise.com because I was trying to pay for a hotel by transferring XXXXXXXX XXXX ( cost of the hotel ) to a commercial account due to the fact that the wise debit card I had was not working to be able to pay with it. Wise stopped this transaction and I decided to cancel it because the hotel never received the money so I could stay in it. Today is XX/XX/XXXX and I still have not received my XXXXXXXX XXXX  back to my Wise account. After calling the wise customer support team for more than 5 times I still don't get any information about why they are still holding my money, and why they have not refunded it back to my account. Anytime I try to request a supervisor over the phone they said they don't have supervisors working at Wise and they push me to finish the call with 0 solution or at least a reasonable explanation. 
Wise never sent the money to the hotel and never refunded the money to my account. 
I feel I am being stolen and tortured by Wise. Please help me.
Product: Checking or savings account

During the period from XX/XX/XXXX, until XX/XX/year>, I had discontinued utilizing XXXX XXXX as a primary broker. I was unaware at the time however charges began without my knowledge fraudulently being drafted out of my checking and debit accounts which were previously linked to XXXX XXXX. I returned from XXXX in XXXX and realized thousands of dollars were drafted and utilize in transactions in XXXX XXXX without my authorization. 

The account was hacked & compromised from the evidence that I gathered showed users in XXXX XXXX and XXXX associated with the account. I asked XXXX XXXX to investigate the matter and they wanted me to submit a detailed description of what happened and I submitted my inquiry however XXXX XXXX didnt take necessary steps to resolve my complaint even after providing evidence of a hacked account, so I went to my bank USAA to dispute the charges from XXXX XXXX XXXX Fraudulent. 

Total charges are in debit purchases were XXXX And XXXX purchases of XXXX Totaling XXXX I filed the dispute and submitted supplementary documents to the bank and initially the bank responded with provisional credits applying them and then removing the provisional credits twice throughout the investigation, the bank also made the error of applying credits that werent due which made identifying the fraud on the account a challenge. 

The bank has refused to accept the transactions as fraudulent as XXXX XXXX submitted a statement of authorized charges, the problem is that the charges were not authorized by me and someone had fraudulently hacked into my account as previously mentioned. Evidence of other users on the XXXX website can be identified. 

XXXX XXXX has subsequently XXXX my account and no longer have a brokerage account with them. Because of the compromised account I have to submit personal information including a drivers license to reclaim my account which I refuse to do due to the security of my account being compromised. My checking balance has a negative balance and the bank is in process of damaging my credit history. 

The consumer should not be held liable for fraud and this complaint is for the existing fraud for unauthorized charges on my checking account with USAA.
Product: Credit reporting or other personal consumer reports

I am urgently requesting the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit and I expect immediate and corrective action.
Product: Checking or savings account

My second attempt with CFPB. Been denied the credit if XXXX back to my account. Wells Fargo states I gave out my pin to ppl in Texas, Florida, California. I dont know how I can provide my pin when I absolutely know of anyone in these states. I absolutely do not give my PIN number to anyone but myself. I feel you did not try hard enough to help in retrieving my money back to my personal bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my TransUnion And  XXXX  credit report in  XXXX   XXXX  and noticed   XXXX   XXXX   and  XXXX   XXXX  showing as credit cards belonging to me and that had charged off. I submitted investigations 3 times with TransUnion stating this is not my account and with  XXXX  3 times stating the same, not my account. I have faxed and mailed copies of my id and ss card each time. Each time it comes back verified. I called Applied credit card company and was told 4 times with the latest being today that they could not find an account with my name on it or the account number. I spoke with  XXXX  she states not sure how to stop it from reporting as they have no knowledge of it. She said they didnt have a fraud department she could only take my number and have someone call me back. I spoke to  XXXX  at TransUnion today she states she cant remove it because Applied is confirming it. She states no proof received only " confirmed ''. I want his removed from my credit as it DOES NOT BELONG TO ME. She states nothing she can do.       XXXX   XXXX  - I have called several times and I cant reach anyone as my ssn or the account number on the credit report " doesnt match their files '' so the automated system hangs up due to no match found. I have disputed 3 times with  XXXX  as well that this is not my account. This last dispute on  XXXX   XXXX , it states " updated from my dispute '' but nothing changed! I 've faxed letters asking to provide proof it belongs to me or delete and nothing happens. Just " verified ''. They ( TransUnion or   XXXX    ) will not provide proof and I have did all I can do.     I also advised  XXXX  the following Inquiries are fraudulent /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  I advised TransUnion the following iquiries are fraudulent/not authorized by me :   XXXX   XXXX   XXXX     XXXX  via  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  &  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  I need this to be corrected and removed from my credit reports.
Product: Debt collection

Nationwide Recovery Systems reported to XXXX that I never paid my debt. However, I have a statement showing that I paid {$560.00} on XX/XX/2022. Despite sending XXXX a copy of my bank statement, they refuse to remove this debt off my credit report. Additionally, Nationwide Recovery Services refuses to acknowledge my payment and still states that I have never paid my debt.
Product: Credit card

On XX/XX/XXXX I processed a balance transfer for XXXX. The fee for the balance transfer was {$200.00}. On XX/XX/XXXX, even though the balance transfer still had not completed, I made a payment of {$400.00} to Huntington. On XX/XX/XXXX, when the balance transfer still was not complete, I asked to have it cancelled. I was assured that all funds and fees would be reversed. On XX/XX/XXXX the balance transfer and the fees were refunded leaving a balance of negative XXXX. On XX/XX/XXXX, it appears the {$400.00} was refunded, I have not yet received the funds back, but Huntington charged me a {$27.00} + {$1.00} a late fee for nonpayment that was due on XXXX. The reversal apparently nullified my XX/XX/XXXX payment. However, there was essentially nothing ever charged on this card, so why is their a late fee. I'm being told by XXXX XXXX that the only way to resolve this issue it to pay Huntington the {$28.00} and then they would refund it even though they recognize that this was an error on Huntington 's end.
Product: Mortgage

I am trying to refinance my manufactured home and the Property through XXXX XXXX. The title is under Freedom Mortgage. I want my manufactured home to be a permanent location of the property when it was provided to me by original owner. In additional, Previously, Freedom mortgage receiving my business, the manufactured home was a permanent location of the property when I got the loan, but Freedom Mortgage had separated the property and the home when I had financed it with them. On XX/XX/2020, I sent them the information from the DMV-Form ( T-234 ) Mobile / Manufactured Home Certificate of Permanent location is the name of the form. Freedom Mortgage had acknowledge they the received the form. So, they stated their legal department would handle the situation. So, from that I have been going back and forth trying to get this resolved with Freedom Mortgage. Mr. XXXX XXXX is the XXXX County Tax commissioner, and is associated with the DMV- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX GA XXXX, O : XXXX, had spoke with a Freedom Mortgage Rep. and had instructing them what to do, which was not done. They supposed to gave me information to proceed with the combined of the manufactured home and property, and what was sent to me was the Form ( T-234 ) blank, which was what they needed to complete ( Freedom Mortgage ). I asked specifically why aren't you, your company complying with my request, they stated because they can't give out any internal documents. So, I made a complaint with the XXXX XXXX XXXX and with that complaint, nothing was resolved. So, the communication was cut completely off with Freedom Mortgage on their end. The goal I am trying achieve is if they can and will make the appropriated changes and if not, at least provide a reason with recorded documentation.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care that I want to dispute unauthorized items reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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} ; US DEPT ED XXXX Balance : {$8800.00} ; US DEPT ED XXXX Balance : {$1900.00} ; US DEPT ED XXXX Balance XXXX {$1000.00} ; US DEPT ED XXXX Balance : {$17000.00} ; XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$560.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6900.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I was on an auto pay the last 18 months for a heating system which I had been told was interest free for the life of the loan. Last month the monthly amount was raised without my knowledge and when they received a lower amount, charged my account {$2100.00} in interest.
Product: Checking or savings account

My account was closed XX/XX/XXXX. My refund was sent to them on XX/XX/XXXX and they now have my refund. It shows but I can not do anything with it. If the account is closed then why did you accept my refund and now are holding it?
Product: Credit reporting or other personal consumer reports

I had a convenience card from XXXX and XXXX for my son as simply an authorized user while he was in college. The account belonged to me and I was the only signature on the contract. He is seeing both these cards on his credit report currently and they are dragging down his credit score. He has zero responsibility for the balances, I do personally and singularly. He has called both XXXX and XXXX repeatedly and they have done nothing to reconcile his credit with the credit bureaus. Thank you
Product: Money transfer, virtual currency, or money service

I was purchasing a piece of equipment from XXXX XXXX XXXX. I asked XXXX to please verify that the recipient account was valid and no complaints had been filed against them before they send the wire. A few hours later I was called and told everything was good and wire was sent ( {$10000.00} XXXX. Money was wired from XXXX XXXXXXXX XXXX to Chase bank in XXXX, Nevada on XX/XX/21 - A few days later I found out that equipment was not being delivered and was given a fake wire routing number for my refund. On XX/XX/21 I had XXXX asked Chase to return the funds as we found out it was fraudulent. Chase has refused to even respond to XXXX upon several attempts. They also were unwilling to help over the phone when I called. I have basically been told too bad from XXXX and ignored totally from Chase Bank.
Product: Credit reporting or other personal consumer reports

I noticed inaccurate information on my credit report. listed accounts needs immediate attention regarding deletion due to fraudulent activity and inaccurate information listed below. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer Dept of Education* -XXXX XXXX Opened XXXX _*Account is not mine belongs to some one else please remove XXXX XXXX XXXX XXXX ** Closed XXXX XXXX XXXX {$500.00} Charge off *** REPORTED FRAUD please remove file. 

XXXX XXXX XXXX ** Closed {$400.00} XXXX XXXX ** Charge off **** REPORTED FRAUD please remove file XXXX XXXX **Closed XX/XX/XXXX {$150.00} * Charge off *** REPORTED FRAUD please remove file XXXX XXXX  **Closed XXXX, XXXX XXXX {$200.00} * Charge Off***** REPORTED FRAUD please remove file XXXXXXXX XXXX XXXX ** Closed XXXX XXXX XXXX *** Account REPORTED FRAUD please remove file XXXX Closed ** XXXX XXXX {$120.00} *** Account not mine please remove from file XXXX  ** Closed XXXX XXXX {$520.00} *** REPORTED FRAUD PLEASE REMOVE FILE
Product: Debt collection

I am filing this report because I discovered that I've been an identity theft victim and informed all the required parties. I told the credit bureaus and informed the creditors I suspected they were fraudulently reporting on my credit report. After deliberation, the creditors were notified and are aware that the accounts they are currently reporting to the credit bureaus are fraudulent and do not belong to me. I contacted the collection companies and informed them that the version resulted from fraud and identity theft, and they needed to remove it from my credit report. They have ignored my request. At this stage, my credit is being harmed by these derogatory accounts and collections and must be removed from my credit report.
Product: Vehicle loan or lease

Looking at the account name First Bank, I don't recognize this account as mine. Please corroborate and fix instantly FIRSTBANK PARTIAL NUMBER ACCOUNT XXXX
Product: Credit card or prepaid card

I have paid Ll bean send them the copy from my bank showing the check being paid. Now they want me to research when they have the Original copy of check. This is the second time I have had problems when I make a payment there problem is there vendor XXXX XXXX handles there banking.something is wrong. I paid on line from my bank and never have an issue. But with them always a problem I am definitely closing there charge soon as this is clear up. I only owe XXXX. What a hassel.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent INQUIRIES in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, please help me immediately delete these INQUIRIES. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Pendleton Capital is harassing my family and wont stop calling, they failed to initially notify me via mail and on the first point of contact they elected to threaten to file service and suit rather than send a paper copy of the letter. I had requested verification of the debt and the agent elected to create a false sense of urgency to deny sending me the debt verification
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX
Product: Credit reporting

The debt collector agreed to have items removed in XX/XX/2015 and they have not been removed. I am attaching the letters requesting removal from the collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitol One for {$5100.00} opened XXXX/2015. Not mine.
Product: Credit reporting or other personal consumer reports

Credit Karma is reporting incorrect score and information about my personal credit.
Product: Debt collection

Credence Resource stating : " Account is in the name of XXXX XXXX, with one subscriber XXXX on account. As per mobile number change memo dated XX/XX/XXXX, subscriber XXXX changed to XXXX. Advise coverage device with serial number XXXX was returned and charge for it was already adjusted on XX/XX/XXXX. However, coverage device with serial number XXXX is not returned. Received a valid payment of {$100.00} on XX/XX/XXXX. Payment made on XX/XX/XXXX of {$100.00} was backed out. Current account balance is {$120.00} consists of service charge of {$7.00}, Dishonored check charge of {$20.00}, device fee of {$95.00}. Service charge is valid for service rendered. Device fee is valid for coverage device non return. '' This debt already acknowledged by RECEIVABLES PERFORMANCE as invalid with XXXX!!! PLEASE PROVIDE EVIDENCE OF device with serial number XXXX THAT IT WAS DELIVERED TO ME, I HAVE NEVER RECEIVED OR USED IT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, i have contacted transunion XXXX times and have recorded them XXXX with different reps giving the wrong or lack of new lines of credit that have not reported for XXXX years which is kickoff and credit strong, i asked why and informed them the length of time ive had these accounts and they have no resolve.
Product: Mortgage

I defaulted on a HELOC In XX/XX/XXXX. The account was charged-off in XX/XX/XXXX. My last payment on the account was XX/XX/XXXX. Since that time I have attempted 4 times to settle this account. Each time I was denied. The statute of limitations In California for a written contract is 6 year has now expired. I called the bank on XX/XX/XXXX And spoke to a customer service representative at approximately XXXX XXXX. I was informed that the statute of limitations has run out and they were unable to collect the money. I requested my account number which after being transferred for 4 times the account number was provided. This statement was from XXXX. I was provided a copy of the bill.
Product: Checking or savings account

In 2019 Wells Fargo charged me XXXX fee for the North Carolina garnishing my checking account for XXXX dollars that I owed to the state.
Product: Credit reporting, credit repair services, or other personal consumer reports

this debt collector is in violation FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g by not providing my request for validation i have given them 30 days and they have not provided me with the information I requested. they are also in violation of the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ) by reporting inaccurate and unfair information to the three credit bureas XXXX, Equifax and XXXX. my privacy has been violated by these actions and it is having a negative effect on my life which is Also a violation of FCRA 15 USC 1681 ( a ) ( 4 ). this account needs to be removed from my credit report immediately.
Product: Mortgage

I received Wells Fargo Bank, Home Mortgage 's response and it proves that keeping accounts up-to-date is not something that happens. Again, Wells Fargo Bank, Home mortgage is attempting to falsifying the facts to avoid admitting that the Wells Fargo Bank employee gave out Mortgage account loan information illegally. Wells Fargo Bank is under criminal investigation and this branch location was raided. Wells Fargo Bank was forced to turn over all documents on this matter to law enforcement. The fact is that this bank employee gave out many people 's loan account information as well as mine. Wells Fargo Bank, Home Mortgage still does not have the proper payments. They are wrong about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX just to mention a few. I have the proof. Wells Fargo Bank is again under investigation for the criminal activities of it's employees. More missing payments are the extra payments made each year from XXXX. That is again a lot of missing money. There is no explanation as to why I was wrongfully charged lated fees and interest from XX/XX/XXXX to present. This loan is paid in full, yet Wells Fargo Bank claims that there is over {$6000.00} in late fees and interest on what they claim is {$4000.00}. How does anyone justify over {$6000.00} in late fees and interest over a few months? This is how Wells Fargo Bank steals money from people whose mortgage accounts Wells Fargo Bank took over. I did not get my original loan from Wells Fargo Bank and the account has been a disaster ever since they took over my account.
Product: Debt collection

This company keeps sending me this email saying I owe XXXX XXXX XXXX. I havent used XXXX in years so I called them they cant find that I owe them anything at all! I called this supposed company and told them that and they wont allow me to even know the amount of debt without giving an address. Clearly they did not have that info as I received zero in the mail and nothing on credit report about this.