23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The information on my credit reports has multiple addresses. 

I would like my information to be corrected immediately!! 

My proper and only address is as follows : XXXX XXXX XXXX XXXX, XXXX AL XXXX. 

My XXXX information is also incorrect : My Employer is XXXX in XXXX AL. 

I recently applied for an apartment and was denied after being sent over a lease. They denied me and did not list reasons why in the report. I would like this inquiry removed as it is not verified!! 

I also have XXXX other inquiries that need to be removed as I did not verify any hard inquiries or soft inquiries. 

Also, I called XXXX 6 times. Each time the automated system told me they could not proceed with me and ended our call. So I moved to the credit agency, Equafax. When I tried to make a dispute about my information, it told me it could not process a dispute at this time. But gave me no reasons as to why. 

Calling multiple times and not able to proceed, and going online and being told not able to proceed is dilatory tactics in my opinion. 

It was not easy or simple to get the information corrected, or inquiries removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account needs to removed from account it was never removed after speaking with the furnisher a if the account all it showed was my statement that it was an unauthorized transaction placed on my consumer report by the company.
Product: Credit reporting

TransUnion is reporting on my credit report I have a state tax lien in XXXX XXXX XXXX in the amount of {$58000.00}. I have no affiliation with anything or anybody in XXXX XXXX. My other credit reports do not show such information. I live in XXXX.
Product: Credit card

I reached out to American Express in XXXX due to financial hardship and was offered a financial relief program with an APR of 9.99 % for XXXX years. At the time, I trusted that this was the best option available. 

Recently, I spoke with XXXX XXXX XXXX XXXX ( XXXX ) and discovered that they offer a significantly better relief program with an APR of up to 2.99 %. This means I could have saved a substantial amount in interest had I been informed of this option earlier. 

When I contacted Amex again to request switching to the lower-rate program, they refused to make any changes to my current plan. I have always been a responsible customer, never missed a payment, and reached out in good faith to find a solution that allowed me to pay off my debt. 

I am frustrated that Amex did not inform me about XXXX  lower-rate program when I initially sought help. Additionally, I do not understand why Amex offers better terms through XXXX but not directly to customers who reach out for financial relief.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX loan One payment did not clear, already paid XXXX over 15 months on loan. Now say I owe XXXX dollars more on XXXX biweekly payments until XXXX. Interest does t seem XXXX and wasn't explained to me.
Product: Checking or savings account

On XX/XX/22 I deposited {$4700.00} into my checking account at TD Bank NA The deposit consisted of a {$3700.00} check drawn on my own personal account at XXXX XXXX and {$1000.00} cash I was handed a deposit receipt. 

The receipt said NOTHING about a hold on the check. 

I came to find out the next day by looking at my account online that the bank slapped a 6 business day hold on the {$3700.00} check. 

By the way, my account at TD has been open more than 10 years. 

Also, by the way, XXXX paid the check on the VERY SAME DAY the check was deposited at TD BANK I went to the bank to complain, I called various departments none were helpfull. 

Apparently the department that slaps these holds on checks is not reachable by other bank personnel including the fraud department. 

The bank made NO PART of this check available as is required by Federal law either the same day or the next day. 

Interestingly enough today ( XX/XX/XXXX ) I received a notice from TD dated XX/XX/XXXX that they were placing a hold on my check. 

These people need to be sanctioned, fined, and placed under special supervision. 

I spent hours of my time trying to remedy this situation.
Product: Credit reporting 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 under 15 USC 1681.

Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX has violated my rights. Or list of inquiries 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: Money transfer, virtual currency, or money service

On XX/XX/2024 I sent {$300.00} to my mom in XXXX through my sisters local bank account using the WorldRemit app. When the money was not paid, we realized that I had used a dollarized account, and XXXX no longer allowed payment in dollars. I reached out to WorldRemit describing the situation and they sent me an email with this Session ID : XXXX that shows the money was paid. They requested a bank statement that shows the money was not paid. I have since sent them two statements two weeks apart to show the money was not and never paid. 

Since then they tell me they are investigating, they are escalating, and still no resolution. I have asked for a refund, and they have yet to refund my money. 

I call them every other day and Im told the same thing, they sent emails to their local partners and waiting for response, this is been going on for a month now. I can no longer believe them, and now when I call, after giving them my information the phone goes dead. It happened twice today ( XX/XX/2024 ), that is after spending between 30 min to over an hour to wait to speak to someone each time I call. On Monday XX/XX/2024, I was told a supervisor will call me in 30 min, today is Thursday, three days later no one has called. 

I have reached out to them through XXXX, XXXX, and using all avenues on their websites to no avail. Please see attachment. 

I strongly suspect some fraudulent activity going on. All I want is my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. I received a copy of my credit report and Found Several XXXX accounts, addresses, inquiries, and public records in my name. I was in XXXX During the time these items were added fraudulently to my credit report. I have never Filed Bankruptcy, lived at the addresses on my report or inquired of specific items. I asked EXPERIAN, XXXX, AND XXXX to investigate and to mail me the results for the items in question. I contacted all sourced reporting the Fraud information. Each company advised me to dispute with the credit bureaus. I was told by an Experian XXXX to file the fraud accounts with FTC.gov I did and reached out to the courthouse I was told reported the Public record inaccurately. Then another investigation was done and it was reported by XXXX XXXX once I received a letter the courthouse does not report public records. The credit bureaus are violating the FCRA and not reporting correctly on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information on my credit report with XXXX, TransUnion, and XXXX  and they have failed to comply with FCRA guidelines!
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX  XXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX & XXXX XXXX XXXX : {$270.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2023
Product: Credit card or prepaid card

XX/XX/2018 This institution sent a new debit card to a unknown person at a unknown address alouing them there on pin. While canceling my card. My account was cleaned out before I knew anything. {$900.00} just gone. I could not pay bills buy food I was just doun. I got a card in the mail about a change of address 2 days later. Thin sent me a letter telling me ther investigation conclude that I was some how involved and I would not be reimbursed any money
Product: Credit reporting or other personal consumer reports

W/o recourse W/o prejudice 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX Transunion XXXX XXXX and XXXX are not maintaining reasonable procedures. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Neither company informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

My husband, has his own XXXX and his business account is through Wells Fargo. XXXX of his tenants was behind several months on rent and allegedly stole XXXX her grandmothers Wells Fargo convenience checks to pay her past due amount of {$2500.00}. My husband deposited this amount into his Wells Fargo Business account when it was received. He paid the owners of the property for the amount of {$2500.00}. In XXXX this amount was deducted by Wells Fargo from his business account because the grandmother claimed fraud on this convenience check that was written to my husbands XXXX company by her granddaughter. I do not understand that after a check " clears '' that Wells Fargo is able to come back months later and deduct this amount. I am now a victim of this as this amount of {$2500.00} is being deducted from our personal account. The only way Wells Fargo would have had access to taking this money out of our account is by a matter of convenience that we also have our accounts there. Wells Fargo should be held accountable for clearing this check!
Product: Checking or savings account

I attempted to use my XX/XX/XXXX at a M & T ATM. The ATM number is XXXX. The bank deducted the attempted withdrawal but didn't dispurse the money. I called several phone numbers and spoke to several people without satisfaction on getting the money refunded.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX  XXXX XXXX
Product: Prepaid card

I have bought approximately {$15000.00} of American Express prepaid gift for personal and business use, as well as gifts for the holiday season. I bought this amount because of American Express promotion being currently run to promote purchases of these gift cards. 

These gift cards are marketed as being usable ANYWHERE that American Express credit cards are accepted.

Since buying them and attempting to use these gift cards, I have found that American Express restricts their use for many, if not most vendors. 
These are restrictions placed by American Express and not the vendors, as I have confirmed in each case. 

These vendors include very mainstream vendors, such as XXXX, XXXX XXXX ( utilities ), XXXX XXXX, and healthcare providers. In fact, anecdotally, the cards fail more than they succeed.

I have attached one screenshot from the American Express website showing multiple failed usage attempts despite the balance being available. I have printouts of other cards showing attempted usage at the other vendors if you require them. 

After doing some research, I note that the Internet is filled with hundreds of stories about the difficulties in using American Express gift cards, spanning back years. See this XXXX thread from 4 years ago and 1 year ago, respectively, outlining effectively the same problem. 

https : XXXX https : XXXX I have attempted to reach out to someone live in the past weeks at American Express gift cards . Their phone number is 100 % automated, as far as I can tell, and I can not reach a live person. The general American Express line just redirects me back to the gift card line, which is automated.

As I found that these cards are unusable, I have stopped my original plans to gift them and they are unusable. 

I would like to refund these and I believe American Express needs to stop marketing these as usable anywhere where American Express credit cards are used. That is clearly a false statement and it is influencing consumers to purchase these gift cards, despite being false.
Product: Credit reporting or other personal consumer reports

Identify theft XXXX XXXX someone used my personal information to obtain a credit card from XXXX XXXX I did not approve or authorize this credit card the amount XXXX XXXX  balance is XXXX the date account was closed is XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

This is reported with inaccuracies. It's reported 3 times. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 


Show less Item name XXXX XXXXXXXX XXXX TX XXXX Identification number XXXX Claim amount Not reported Date filed XX/XX/XXXX Status XXXX XXXXXXXX bankruptcy dismissed. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX On record until XXXX XXXX Liability amount Not reported Date resolved XX/XX/XXXX Responsibility Individual Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Product: Debt collection

i received a few phone calls from medicredit whom i dont have a contract with saying i owe them money i dont know who these people are they can be anyone soliciting me trying to extort me for money.
Product: Debt collection

I am writing to express my dissatisfaction regarding fraudulent accounts on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account : XXXX ) were opened without my consent, causing financial and emotional distress.
Product: Mortgage

On XX/XX/XXXX, I contacted Rocket Mortgage ( aka Quicken Loans ) to inquire about obtaining an FHA Cash Out Refinance Loan ( it would be used to pay off a Federal Tax Lien, debts and home improvements ). I would deliver over several days by e-mail to the loan servicing agent all requested information after receiving his verbal delivery of potential FHA approval. After several days and his directive to change document submissions from his corporate e-mail to his personal email ( he conveyed often documents did not go through/transmit properly ). He advised I would not be approved for an FHA loan. I would have to obtain a conventional loan. He stated it was due to the fact I had a Federal Tax Lien ( he had been delivered payoff documentation from the IRS by fax ), which did not appear on my credit report. Because of the Federal Tax Lien did not appear on my credit report I would then be subjected to what was called XXXX payments. A requirement the FHA applicant should have one full payment of mortgage loan principle and escrow ( principal, taxes, insurance ) in reserve/savings. I did not currently have that in my savings. I contacted XXXX ( XXXX ) to confirm the lenders policy. I was advised it was not within their guidelines. I also researched through XXXX and found out Tax liens won't show up on your credit report. That was due to the credit bureaus deciding in XXXX of this year ..tax information would no longer be provided ( due to a creditors ability to find out the information through public records etc. ) I was sent an email conveyance which I forwarded to the loan servicing agent. He later would respond it was his lenders preference in accordance with our government condoned fair lender policy... basically a lender overlay ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Is furnishing data that is preventing me from being able to open up a checkings account with banking institutions. I spoke with a representative on Monday XX/XX/2023 around XXXX. I asked the representative how can I remove the inaccurate information that is listed on the consumer report ; I was told that I can not have any of that information removed because it is verified information. I was never contacted prior to the information being furnished on the consumer report neither was I informed about the information listed about me. The FCRA requires that investigations be completed within 30 calendar days. Under section 312, it requires that information furnishers including banks, and credit unions provide accurate and complete data to consumer reporting agencies, any failure to comply with these provisions constitutes federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items 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. 
XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX 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: Checking or savings account

I deposited a check for XXXX ( attached doc ) from XXXX XXXX XXXX on the morning of XX/XX/XXXX to cover pending items as well as anything that would come through my BOA checking account on XX/XX/XXXX. I looked at my BOA account on the morning of the XXXX and saw that BOA put a hold on the XXXX check until Saturday XX/XX/XXXX. In the meantime I transferred XXXX CASH from my BOA business account to my BOA checking account to cover the XXXX  check they put a hold on. I called and spoke to a rep who told me that BOA sent a message to XXXX confirming the account number and XXXX did confirm it. He then said BOA was waiting for XXXX to release the XXXX funds and then it would show up in my account. I asked why BOA would use my money instead of putting it in my account right away, he assured me BOA would not do this and would immediately credit the funds to my account. I got an email from XXXX today telling me that XXXX was withdrawn from my checking account ( attached doc ), however I still do not see it credited to my BOA account, actually I see 2 {$35.00} NSF charges even tho the cash was transferred this morning, the NSF fees were no on my account this morning when I spoke with the rep. I had the same problem earlier this week and after about an hour dealing with them they admitted the XXXX NSF fees were taken out in error they refunded it. It seems to me BOA is constantly trying to steal their customers money and I end up spending so much time dealing with them to get it back.