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

Given the nature of the recent social security number leak, I decided to freeze my credit score at all three reporting companies. Making accounts with XXXX and XXXX was easy, and it took about 20 seconds to freeze my credit with both of them. 

On XX/XX/year> I attempted to make an account with Equifax and was met with an error screen stating : " We can't complete your request at this time. Please call the Customer Care team ''. 

On XX/XX/year> I tried to call customer support. After initial verification with the automated system, I was left on hold and was unable to reach customer support. I have since tried to make my account multiple times and have run into an error each time, and the phone systems never seem to lead to an actual person.
Product: Mortgage

On XXXX XXXX 2017 I went to Wells Fargo Branch at XXXX XXXX XXXX XXXX XXXX. XXXX, Fl. XXXX phone # XXXX and asked about getting a medallion stamp on some mortgages I intended to send to XXXX XXXX. I was told by XXXX XXXX XXXX that I needed to bring proof of ownership for the securities, as told to him by a person on the phone from his legal department. I returned the following day and XXXX XXXX again called who he said was his legal department with the proof of securities and was told that Wells Fargo does not sell mortgages. I stated that that is not the truth as Wells Fargo does issue and sell mortgages. I later asked for the name of the person on the phone and was told that I could not have it. XXXX XXXX left and returned with XXXX XXXX who identified herself as the branch manager. She said that Wells Fargo is not prepared to perform that service as they only deal wit mutual funds, bonds. Told her this is a mutual fund and she repeated that Wells Fargo is not prepared to stamp the document. Wells Fargo does advertise that they perform that service. This is domestic terrorism as they are creating haemorrhaging in the American economy and hindering trade and commerce and depriving tax payers of jobs and potential tax revenue.
Product: Credit card or prepaid card

American Express has failed to provide SCRA benefits that were requested on XXXX XXXX, XXXX. After numerous attempts to receive any status of the request, after 60 days I was told I am not eligible for SCRA benefits even after acknowledging receipt of XXXX  XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX  XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

It is ridiculous that this account is even being reported as late as I have been set up for autopay during my entire payment history with XXXX XXXX. 

I am prepared to file a complaint with the XXXX  as well for both company 's if this situation is not rectified immediately. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, but your agency also failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX XXXX Balance : {$7600.00}.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries on my credit report that I did not authorize. Given the breach, these inquiries likely stem from the misuse of my information. Under 15 U.S. Code 1681b, only authorized inquiries should appear on my 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I purchased a XXXX XXXX  from XXXX XXXX XXXX through XXXX, and discovered that there were four hard inquiries on my credit which has greatly reduced my chances to refinance or obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This hard inquiry is the only one that is valid. 


XXXX XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX XXXX ( Auto ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/year> These hard inquiries are excessive, and invalid as I was informed they would be soft pulls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX  several disputes on inquiries that are listed on my credit report that I did not authorize. I told them that is was a violation of the Fair Credit Reporting Act Section 168b ( c ) and that it was a serious breach of my privacy rights. XXXX  keeps responding back saying that the inquires are factual records of file access. These inquiries are unauthorized and i want them deleted immediately. They are non account holding inquiries that the refuse to investigate and delete. I have wrote several of these companies and just within a weeks time I have received returned letters back because the mail is undeliverable and these are the addresses that I got from my XXXX  report for these companies. How can they verify these inquiries if they are sending me undeliverable mail back. XXXX  is not investigating my report correctly.
Product: Credit reporting or other personal consumer reports

I received a call from phone number XXXX. They claimed that I had taken out a loan with XXXX XXXX XXXX. I never have took a loan with anyone. I can't even find the company in question on XXXX. The lady in the phone repeated back my social and was basically accusing me of dodging payment. Said it was check fraud or something and they are taking it serious. I would have to go to court to get it fixed. But that is all the lady would tell me. Wouldn't say how much was owed or anything. I went to my bank and called the lady back. She would not help at all. Said she will not give any information and is not going to tie up the line with my call. To get it fixed in court. I made this call while on speakerphone with the bank XXXX. She only said someone took out a loan and it must be me. I have never taken out a loan. The only thing the bank person could find on my credit report was from XXXX which is XXXX XXXX a car company that scams people into getting cars with high payments that they will never be ble to pay off. I ended up paying more than the car was worth and they claimed I still owed an extra $ XXXX. I said they can have the car back because I am not going topay % XXXX over the actual value of the car and it has mechanical issues. She wouldn't tell me if it was them or not. My bank could not find anything else on my file.
Product: Mortgage

In XX/XX/XXXX I was unable to work due illness which occurred while on XXXX XXXX. I was unable to work and I used my savings to make my mortgage payments. My savings was all used up by XX/XX/XXXX. 

I secured XXXX XXXX XXXX XXXX to handle a bankruptcy on my behalf XX/XX/XXXX. I contacted Loan Depot several times between XX/XX/XXXX and XX/XX/XXXX informing them Im in backruptcy. I was transferred several times from one department to another. Each stating the process was handled by another department. Each call went this way. One customer service rep told me notes were being annotated concerning my backruptcy action in the notes connect with my account. In the notes I gave them the name and number of of XXXX XXXX XXXX XXXX as my counsel. The rep stated the sale action would be stopped immediately. The sale did not stop and my home was sold. My home should not have been sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my first dispute request over 60 days ago and I have yet to receive any updates regarding my request from any of these bureaus. This is now my 2nd request and listen I'm pregnant and due to have this baby in XXXX more months I don't need all this stress worried about incorrect information in my report. I have to find a bigger place to live before this baby comes and this is hindering me from being able to do so. I'm not sure what the hold up is but I need some anwers an update or something. If I go into XXXX XXXX worried and stressed about this I will file a lawsuit. The FCRA stated that if nothing is done within 30 days it should be deleted well I have been waiting more than 60 and I can't wait anymore. Your website says you are here to protect the consumer well I'm a consumer and I need to be protected not giving the runaround when I call they say they dont have anything which I know aint true or they say they need to verify my identity how many times do I have to send my gas bill and social security card? I pray someone can help me this is tiring and stressing me out
Product: Checking or savings account

This is in regards my Truist Money market account ending in XXXX. On or around XX/XX/2022 I noticed that there was an administrative hold in the amount of {$8800.00} on my funds. I called Truist to find out why. They gave me a number to call. That led to speaking with someone at a lawyers office, XXXX and XXXX who said it was a garnishment, scheduled for XX/XX/2022. After communicating with them several times they decided to dismiss the garnishment. 

After I received the documents, I took them to my branch on and around XX/XX/2022, showed them legal documents that shows the dismissal. I was still told they wont be able to release the funds to go back into my account. so they cant do anything before XX/XX/2022. 

I noticed yesterday that Truist paid this lawyers office on XX/XX/2022 in the amount of {$8800.00}. 

I need assistance getting back my {$8800.00} back into my account. XXXX and XXXX dismissed the garnishment but TRUIST STILL gave them over {$8000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX, XXXX and Transunion to investigate the reporting of a bankruptcy and to provide proof it was 100 % accurate, verifiable and complete. I also asked them to provide proof that its reporting correctly from the Court House and not a third party and delete if anything is incorrect. 

1. I did not receive a corrected copy of my credit report.

2. I did not receive proof that it was reporting 100 % accurate, verifiable and complete.

3. I did not receive proof that the information reported came DIRECTLY from the Court House an not a third party. 
4. The unverifiable information has NOT been deleted.

Three letters ... 3! How are they allowed to report information without validation? How are they allowed to ignore the law? How are they allowed to ignore me as a consumer? 
The continued reporting breaks the law. I want this information DELETED.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items 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  {$0.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to XXXX National Consumer Assistance Department XXXX  Consumer Relations, and Equifax Credit Information Services about multiple unknown collection accounts that have been reported on all three credit reports. <P/>XXXX National Consumer Assistance Dates : Certified Letters : X/XX/2017,XX/XX/2017. Online disputes : XX/XX/2017, XX/XX/2017, XX/XX/2017,XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Hospital {$1100.00} closed unverified ) XXXX Consumer Relations Dates : Certified Letter : XX/XX/2017. Online Disputes : XX/XX/2017, XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and still unverified ), XXXX XXXX XXXX ( XXXX {$450.00} open unverified ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Hospital {$1100.00} open unverified ) Equifax Credit Information Services Dates : Certified Letter : XXXX/XXXX/XXXX. Online Disputes : XX/XX/2017,XX/XX/2017, XX/XX/2017,XX/XX/2017, XX/XX/2017, XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX ( {$24.00} closed unverified ), XXXX XXXX XXXX XXXX  ( {$160.00} closed unverified ), XXXX XXXX ( {$50.00} closed unverified ) These companies, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amounts listed above with XXXX, XXXX, & Equifax credit reporting agencies. I requested verification of the debt and account however the business and credit reporting agencies have failed to provide adequate proof. Instead of deleting these accounts ; they have been closed and remained open with derogatory remarks on my credit file which has caused not only stress but slowed down the process of buying my first home. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and the inquires on my credit report had nothing to do with me.
Product: Debt collection

XX/XX/2018 {$4400.00} XXXX XXXX. Original Creditor XXXX XXXX XXXX. I gave 60 days notice that I wasn't renewing my lease. They stated they had to repair and clean stuff. The repairs should have been fixed when work orders were submitted. Exterminator said my apt was the cleanest one he serviced in whole complex. My deposit should've been returned. They just treat me like I'm lying about it. Other places can't believe the amount they fabricated.
Product: Money transfer, virtual currency, or money service

Money has been taken out of my account and sent to people without my knowing. Also when going to pay someone and clicking the wrong person I accidentally sent money to the wrong person because they didnt have a feature to check before you send it. Tried taking it up with the company but never got a response. They neglect customers and allow unauthorized payments to go through and then do nothing about it when it happens. Its unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a consumer in fact a natural person on XX/XX/2021 noticed on my consumer report from Transunion several inaccurate and unfair practices. Transunion breached my right to privacy by furnishing a consumer report that I never gave them written permission to furnish pursuant to 15usc1681 ( 2 ). It has been damaging my reputation badly and my public confidence. This false report has not been equitable to me at all. Transunion is in violation of 15 usc 1681n and 15 usc 1681o for willful noncompliance and negligent noncompliance for failing to comply with federal law. I authorize the federal trade commission to enforce compliance with the requirements of the subchapter under the federal trade commission act. Pursuant to 15usc1681s ( 2 ) I demand compensation for the harm and injury that Transunion has brought upon me the consumer for knowingly violating and practicing the behavior.
Product: Debt collection

I am disputing the following account under the Fair Credit Reporting Act ( FCRA ) Section 611 and Metro 2 Compliance Standards. The information is inaccurate and must be corrected or removed. 
Creditor : XXXX Auto Account Number ( Last XXXX Digits ) : [ XXXX ] Current Status : Charged-Off / Never Late Balance Reported : {$31000.00} Original Balance : {$28000.00} Dispute Basis : 1. Charge-Off Contradiction Never Late The report states that the account was never late, yet it was charged off.

If there were no missed payments, the charge-off should not exist.

Please verify the accuracy of this reporting or remove the charge-off completely.

2. First Payment Never Received Validity of Debt The comments state, First payment never received.

If no payment was ever received, was the loan properly originated?

Please provide proof that this debt is legally valid, or remove the account if unverified.

3. Balance Inconsistency Unverified Charges The original loan amount was {$28000.00}, but the charge-off balance is {$31000.00}.

Under FCRA & FDCPA, lenders can not arbitrarily add fees or inflate balances. 
Please provide a detailed breakdown of charges and interest. If unverified, this balance must be corrected or removed.
Product: Credit card or prepaid card

In XX/XX/XXXX I tried to obtain a loan to purchase land, at that time i found out that Kohls showed a closed account for the amount of {$2700.00}. Also noticed a few other discrepancies so i contacted the credits bureaus to get those resolves, wrong names, wrong social was attached, wrong address, a few other listings that were incorrect that were resolved amiable once the credit bureaus or myself reached out after the dispute. Prior to the checking of my credit report in XX/XX/XXXX I had no prior knowledge of said debt to Kohls, I did have an account many years ago but I closed it and paid off the balance which was never much a couple XXXX ( XX/XX/XXXX ). After trying to dispute with the credit bureau my lender told me to contact Kohls to see what could be done, On XX/XX/XXXX I called, the gentlemen was not pleasant and asked why dont you pay your bills Advised this wasnt my debt and I requested that Kohl verify this was in fact my debt. He advised records couldnt be pulled over 10 mths they purge them, he offered me a deal of half of the {$2700.00} to resolve. I told him I couldnt justify paying that much for a debt that wasnt mine, he said nothing more he could do. I called my lender ( trying to make a land purchase ) they advised trying to settle I couldnt get the loan without it, as a dispute could take months. I called back on XX/XX/XXXX to try and settle, explained the situation and offered to pay {$600.00} of a debt that was not mine to resolve, he laughed and said had to be {$1300.00} since the account was closed. Asked to speak to a manager which he told me couldnt be dont do to Covid he would have to get one to call me within 48 hours and offered to send a letter of the debt. I sent a letter with no response. I called XXXX and begged for help, they told me to contact you CFPB for help. I lost my loan because a Kohls said I owed them money with no proof none Ive always paid my bills, if I owe money to someone I pay it I still do this day do not understand why the loan was denied for this one glitch but apparently it sticks out like a sore thumb. Until XXXX Kohls has not contacted me regarding an outstanding balance and I dont understand how they can justify thousands of dollars being owed with no proof, no contact but they can ruin everything I worked for. It seems to me not to be right. Can you please help me or point me in the right direction?