23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I deposited XXXX $XXXX checks into my USAA XXXX account Friday XX/XX/XXXX. I deposited an additional XXXX XXXX checks into my USAA savings account on Saturday XX/XX/XXXX. My account was locked after depositing the checks into my account Saturday XX/XX/XXXX. I was told by a representative that my account wold be on hold for 2-3 days. When I called back in on XX/XX/XXXX I was told my account was under review and that my account would be inaccessible until Friday XX/XX/XXXX. The explanation was that they were waiting to see if the checks bounced. On Friday XX/XX/XXXX I called the bank back and was told my account wold be frozen/in a credit only status until the checks returned. The checks will not be returned because I still have XXXX in the account that the checks were drawn from. I can see that USAA presented and received all monies from the checks on XX/XX/XXXX I offered to call the other bank and give them permission to discuss my account as well as the funds available in the account. USAA refused. They are going to hold over $10,000 indefinitely and I have no recourse. This is criminal, illegal, and downright sickening that they would treat a customer with no incidence of bounced or returned checks like this.
Product: Checking or savings account

I opened my business bank account with Wells Fargo under the name XXXX XXXXXXXX XXXX  and described it as a XXXX  company. A XXXX is for XXXX XXXX, and other professionals to use as a limited liability company. 

On XX/XX/24, I attempted to deposit a check at a Wells Fargo atm. The check was made out to XXXX XXXX XXXX XXXX. Two days later I found out that wells fargo had refused to deposit the check and removed {$12.00} from my account. 

I did not consent to the {$12.00} being removed from my account. I consider this to be theft. They have access to my money in their bank, and they removed {$12.00} without my permission. 

There is no excuse for them refusing to deposit this check, and taking money out of my account without my consent. I called 3 times asking them why the check was not deposited, and demanding they put the {$12.00} back in the account. The last time I called I spoke to XXXX ( Employee ID XXXX ). I demanded they return the {$12.00} since it was removed without my consent. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account was XXXX in XXXX, as I received a XXXX from the Internal Revenue Service . I have contacted Walmart several times about removing the account from my credit report as the debt no longer belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I attended an event and was introduced to XXXX XXXX of XXXX XXXX   as a prospective lender to work with. We had a brief discussion where I asked him from the onset if he executes a soft or hard credit pull because I did not want my credit to be pulled without the appropriate planning. He indicated that he does a soft pull for pre-qualification and it would not affect my credit score. Later on XX/XX/XXXX, I sent XXXX XXXX an email ( attached ) refreshing our conversation. Thursday, XX/XX/XXXX, XXXX XXXX replied back ( see attached ). On Thursday, XX/XX/XXXX, at approximately XXXX XXXX  XXXX XXXX and I spoke via phone to discuss my needs. He took my information which included my address, SSN, DOB, etc. I assumed that he was acquiring the information to have when he would run my credit. XXXX XXXX never asked for consent or indicated that he was pulling my credit right at that moment and I never provided written consent authorizing XXXX XXXX to run my credit. Saturday, XX/XX/XXXX, I received notification that my credit score had changed because of a credit inquiry. When I investigated further I found out that Informative Research was who pulled the credit. I immediately reached out to XXXX XXXX at approximately XXXX XXXX to inquire whether he pulled my credit. He indicated that he did and I expressed that I had no idea that he was doing so. Additionally, I expressed that when we spoke on XX/XX/XXXX where I inquired about whether he conducted a hard or soft pull that he said that it would be a soft pull and would not affect my credit score. XXXX XXXX said that he completely explained to me that he would run my credit. I expressed that I was clear that my credit would be accessed but I should be the one to decide when that would take place and that it should be perfectly clear and he should be given consent from me to access my credit. XXXX XXXX then expressed that he was upset that I was contacting him early Saturday morning. I asked XXXX XXXX to look at things from my perspective as a customer and that if I knew that he was going to be pulling my credit I would not be reaching out to him to inquire and I only knew because my credit monitoring service alerted me. XX/XX/XXXX, I sent XXXX XXXX an email ( see attached ) requesting that he rescind his actions as an error. XXXX XXXX advised that it was not possible and that he felt that he completely explained that he was pulling my credit.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing inaccurate information on my credit report. Under 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the disclosure or reporting of my personal information to the companies listed below. This unauthorized reporting violates my consumer privacy rights, as these entities have no legal basis to report any activity under my name.

Additionally, my credit report contains unauthorized inquiries that I did not initiate, indicating possible identity theft. Per 18 U.S.C. 8, I do not owe any debt to these companies. I formally request the immediate removal of these disputed items and inquiries to ensure the accuracy of my credit report.

Please address this matter promptly and confirm the removal of these incorrect entries.
Product: Vehicle loan or lease

THIS IS NOT MY ACCOUNT I NEVER SIGN UP TO THIS ACCOUNT AT ALL
Product: Mortgage

servicer has had approval from XXXX for a short sale for a week which needed management to sign off on it and I can not get it from them. the home is a short sale and had XXXX offer in 6 months. we have no hope of selling if we lose this buyer. Servicer has been notified of this but does n't seem to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a XXXX XXXX XXXX XXXX, i am a living human being, i have rights under 15 USC 1681.

transunion is govern by 15 USC 1681 and they violated my rights numerous of times i demand the accounts listed below be remove because according to 15 USC 1681 i have the right to privacy and i did not give Transunion written permission to furnish these accounts Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX I had been hurt at work and was unable too make payments on my XXXX Mortgage due too the fact workers comp. was not paying me .The bank started billing my line of credit. I have asked for a forbearance since XX/XX/XXXX they have lost the first batch of paper work then I submitted new paper work in XXXX. I have spoken too them and get the story it takes XXXX days for a answer. My first Mortgage has been modified with XXXX without a problem I think I have been lied too on how long it takes and believe they may pull some kind of foreclosure while i 'm still on XXXX
Product: Payday loan, title loan, personal loan, or advance loan

May tried to pay off car and XXXX wouldn't except payments and I never received statement very sneaky my library cds and brakes were in the car in hospital during that time XXXX car owed XXXX you got a great deal titlemax
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to remove the account ( XXXX XXXX XXXX number XXXX {$410.00} ) from my credit report. They have failed to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated.
Product: Mortgage

I have a mortgage with the Bank of America ( BoA ). In the XXXX XXXX timeframe or thereabout I called the bank ( mortgage department ) to request that the homeowner 's insurance requirement be removed from my mortgage account. I gave two explanations for why this should be allowed : 1. My assets with BoA exceed the outstanding mortgage by a factor of 2 ( for every {$1.00} owed in the mortgage, there are at least {$2.00} in positive accounts ), thus the mortgage is fully secured by my assets. 
2. The outstanding mortgage is less than the cost of the land alone. Thus, the homeowner 's insurance is not necessary, as the land alone has a positive float against the outstanding mortgage balance.

I was allowed to remove the homeowner 's insurance. 

In the spring/summer XXXX, I was contacted by BoA by mail requesting to restore the homeowner 's insurance. I had to comply with this new requirement, so I restored the insurance. However, next BoA imposed a {$2000.00} fine to cover the lapse in insurance. BoA calls this {$2000.00} an insurance, but it is not, since insurance can not apply to past events. To be clear, the {$2000.00} fine applies to the XXXX - XX/XX/XXXX timeframe, and they requested this money in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent inquiries that arose from IDENTITY THEFT that you did not verify as required by law on any consumer report. 
15 USC 1681b ( c ) furnishing reports in connection with credit and insurance transactions that are not initiated by consumer, information regarding inquiries, except as provided in section 1681b of this title. A consumer reporting agency should not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. 
The following inquiries are a result of identity theft and was not initiated by me, I demand that they are DELETED immediately. 
XXXX XXXX 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
Product: Debt collection

Trident Asset Managenent LLC  from  XXXX  Georgia is erroneously reporting negative information on my credit. They are a third party collections company and report every 5 days in attempts to collect on a debt that is not even mine. My identity was stolen and I have forwarded the report to the bureaus. Trident refuses to remove the item. I have also received notices that they sold the debt as well. They are in violation of the FCRA and I am seeking damages of {$1000.00} for each time they have reported to my credit file intentionally and maliciously.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$73000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

ONCE AGAIN COLLECTOR WENT ON MY SISTERS CREDIT REPORTS AFTER CEAST AND DESISTS AND 9 DOCUMENTED CELL CALLS TO ME.
Product: Credit card

Im trying to renew my Check Free Score subscription, but my card keeps getting declined.
Product: Debt collection

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Product: Credit card or prepaid card

My relatively new credit card from XXXX was compromised almost as soon as it was issued to me. I suspect this was an inside job by a person or persons in their employ, as the card number turned up on my bill, showing usage at pizza restaurants in southern states, and for amounts of pizza that I as a single person could not eat in a month. I believe it was party time at the offices where such cards are made or mailed out to people who apply to open new accounts. The company made some effort to cancel improper charges, but I never got a reconciled report of all transactions, though I requested one. They are now treating the card as active, and adding late fees and such, when all I wanted was to be rid of them and their various " service charges ''. They have been oblivious to my responses and request to CANCEL the XXXX card, and they are proceeding as though tardiness charges on the unwanted card are my responsibility to pay!! XXXX XXXX XXXX, XXXX
Product: Credit card or prepaid card

XX/XX/XXXX, I called XXXX due to an account opened in my name through a Capitol One credit card, which I never opened. The account, according to XXXX, was opened in XXXX and was used through XXXX of XXXX. After that, who ever opened it, stopped making payments and leaving a balance of {$13000.00}. There were two addresses on my credit report that were not mine, possibly the credit statements were going to one of those addresses. 
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I have been in contact with a company through Captiol One who was working on this fraud and also Capitol One. I just received a letter from Capitol One with their belief that there research found no signs of fraud and will not release my name from this debt. 
I have never lived at those addresses and I never had a Capitol One credit card. The only way I think this happened is, I volunteered at a XXXX XXXX XXXX in XXXX Oklahoma and one of their employees added my name to a credit card and used it. It is the only connection I an make to this mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I signed a loan agreement with Minto Money for an installment loan of {$1100.00}. The agreement disclosed an Annual Percentage Rate ( APR ) of 783.39 % and a finance charge of {$5000.00}, bringing the total repayment amount to {$6100.00} over the loan term.

I was not fully aware of the extremely high interest rate and finance charges at the time. After receiving the loan and reviewing the terms in detail, I realized that this loan would result in paying more than five times the amount borrowed, which seems predatory. I am concerned about the fairness and legality of these terms. 

Additionally, the loan agreement operates under XXXX immunity as the lender is associated with a XXXX XXXX XXXX, which significantly limits my legal recourse. The agreement also forces disputes into arbitration, waiving my right to a court hearing or class action. 

I am seeking assistance to determine whether these loan terms are legally valid and how I can potentially exit or renegotiate this agreement.
Product: Credit reporting or other personal consumer reports

Several months ago I sent a dispute to XXXX about a collection on my credit report. I asked for various things to prove this belongs to me and they havent investigated within 30 days. I put a complaint in with the XXXX also. This account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX/XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I was deeply distressed to find several items that are unverifiable, invalid, inaccurate, and questionable. It is clear that your agency has failed to ensure the absolute accuracy of the information being reported. 

According to the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( a ) ( 5 ), these accounts are in direct violation due to their inaccuracies.

Immediate correction is required. I am attaching copies of all relevant correspondence for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this account with XXXX and Transunion and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way credit bureaus were able to verify this! I have filed a complaint demanding a deletion for the unverifiable accounts, Here are the accounts that need to be removed : XXXX XXXX Account Number : XXXX and XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report on the previous files. I am a victim of identity theft and did not authorize these charges. I am asking that these charges on my report be removed to correct my credit report. I have already reported the theft to the Federal Trade Commission 's Identity Theft Affidavit. I would greatly appreciate that these charges are deleted from my report as soon as possible because it is hindering me. I would like to advance my lifestyle and I would need these things situated as soon as possible to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX 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
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$370000.00}. 

Federal law requires the 3 Credit Bureaus to reply inside the legal time span, yet they still can't seem to answer my letters. Subsequently, any records that have been questioned should be amended.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I just recently applied for an XXXX XXXX XXXX XXXX card. To my knowledge any line of credit Im accepted for should not be used on my consumer report harming me. I would like all hard inquiries removed especially the most recent two from XXXX XXXX XXXX XXXX  and my XXXX XXXX XXXX XXXX Those are two accounts that I have open and have never been denied for. 

Also I want any social security number that does not end in XXXX deleted they are not not related to me. 

And lastly I would like any address that is not XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX
Product: Student loan

I was just told by AES, my student loan processor, that none of my loans are subject to Biden 's executive precluding interest due to a " loophole, '' and that no letter, e-mail, or communication to borrowers was sent out regarding this. 

The loophole is that even though my loans are Stafford loans ( they are identified as so on the AES website ), they are not " held by the Dept of Education '' and therefore not subject to the XXXX. All information I can find suggests that Stafford loans are held by Dept of Education ( even XXXX defines them as loans " offered from the United States Department of Education to eligible students enrolled in accredited American institutions of higher education to help finance their education '' ). 

This is a deceptive business practice for which no notice was provided.