23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hey My name is XXXX XXXX, I bank with credit karma. But a week or two ago I lost an dispute with the fdic but thats okay, the problem is my account with credit karma is frozen I have bills to pay i have {$1600.00} in this account I need that is frozen the fdic said the account would be locked but they can have the account I just need my funds a couple problems on the account I cant make changes to is a mailing address if yall were to mail a check my new address for the check would be XXXX XXXX XXXX XXXX Alabama XXXX. For my funds I would like for you guys to unfreeze it an let me transfer it off. Or mail the check to the address thats mention in this statement. I need funds off the account asap
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 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 the records of conviction of crimes which antedates the report by more than seven years o 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: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I've been trying to fix different inaccuracies reporting on my credit report, I have reached out to the following companies. XXXX, Equifax, & XXXX. I have lived at the address on my drivers license for over 2 years and I have sent in documents to the 3 bureaus to update my address and delete all previous addresses, along with my jobs, unauthorized inquiries also showing them proof and asking for reinvestigations. That I have not received to this day XX/XX/XXXX. I've disputed inaccurate information reporting on the following accounts and requested the reinvestigation and the 3 bureaus haven't sent me the information for unauthorized Inquiries. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax The following accounts for late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - Child Support These unauthorized and Inaccurate information are hindering me from acquiring credit and loans. It's costing me XXXX, bad health, pain and suffering. I'm having a hard time supporting my family, to the point the my wife has left me and seeking a divorce.
Product: Checking or savings account

I bank with Wells Fargo, and there were charges made to my account which I did not authorize. I initiated a claim ( claim number XXXX. ) The bank reversed the unauthorized charges, and I gave them a copy of my identity theft report filed with my local police department. I believe that I knew the individual who was using my card and information, I believed it to be my Ex Fiancee. 

The claim was handled, and the money was returned to me. Upon further investigation of my account, I found more charges that I had to dispute. Wells Fargo Claims Assistance Center added these newly found charges to the same claim number ( # XXXX ). I never received the money back from these fraudulent charges. 

I was contacted by Wells Fargo High Dollar claim department, and was asked questions about when/where I had my debit card and informed them that it was on me at all times, but that these charges were made through merchants that had my debit card information saved on file, such as XXXX and other merchants. I was told that I would have the rest of my money returned to me the same day as long as they could get upper management approval. 

Two days later with no money returned, I called the bank and asked them to read the investigation notes to me. According to the notes, that bank was not going to issue my money back because I had my debit card in my wallet at all times, despite the charges being made with the card NOT present, nor swiped. The notes continued to say that I was liable for all charges because I likely knew the person using my card information, even though I never gave them permission to use it and it was true fraud. 

Wells Fargo never refunded the fraudulent charges made to my account, and also reversed {$3600.00} and {$570.00} from claim number XXXX. 

My account is negative, and this has impacted my life immensely. My account is plagued by overdraft charges from automatic payments and the bank has still not refunded my money from these fraudulent transactions.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) has been sending me collection notices in the amount of ( XXXX ) and ( XXXX ). The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX on Experian # XXXX According to 15.U.S C 1692C they have unlawfully violated my rights by unlawful communications. Please remove this off my credit report.

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2021 I spoke with XXXX XXXX XXXX XXXX Mortgage Banker Telephone : ( XXXX ) XXXX XXXX XXXX  XXXX from RocketMortgage.com, I advised her I was looking for a home equity loan, we went over why I needed the funds, and she went on with the application processed as she advised that's something she can do, I gave her authorization to pull my credit report, at which point she advised me I am approved for a refinance, ( the only way quickens loan can assist me is for me to refinance my entire mortgage ), I asked her why did she mislead me into having my credit pulled when my first question to her was does your company offer Home Equity Loans, I wasn't looking to refinance, I advised XXXX the funds are being used to purchase an investment property that I am not certain it will go happened as of yet, just want to have the cash on hand, and that I am not looking to add debt to my home that might not be necessary. I asked XXXX for the company name that pulls their credit report, as I want to dispute the invalid inquiry she did. I contact XXXX XXXX  XXXX, spoke with XXXX and advised her of the misleading information I was given, and how I am being force to a product that I specifically stated during my conservation with XXXX I did not need or required.
Product: Debt collection

JH Portfolio Debt Equities turn a defaulted debt owed by me to XXXX XXXX  Acct : XXXX to XXXX XXXX, XXXX. This resulted in legal action taken by XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. ( XXXX ) on XX/XX/2018 to fill a lawsuit against me for {$2300.00}. When I stopped paying I only owed {$780.00}. I initially offered a settlement XX/XX/2018 for {$500.00}. They made a counter offer of {$1800.00}. I asked JH Portfolio to provide paperwork as to how my bill went from {$780.00} to {$2300.00}. I asked if they have and documentation from XXXX XXXX   about my final bill and they said that what they filled and sent me is all they have from XXXX XXXX. I called them today ( XX/XX/2018 at XXXX XXXX ) and offered {$1000.00} to settle and they said no. The offer is {$1800.00}.
Product: Credit card or prepaid card

Received a vanilla gift card and it does not work. The company website gives a system error when I attempt to register the card or check the balance. There is no way to contact customer care online and they do not answer their phone. I held for 30 minutes for a representative before a representative finally answered. I was told that the funds were depleted on this card and when I told her that wasn't possible she offered to open a case for me. I was told that I needed to provide my date of birth and submit a copy of my photo ID, neither of which is not going to happen. This company is well known for fraud yet they are still allowed to remain in business and sell their worthless cards.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam XXXX I am writing to you in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ) to dispute the accuracy of information on my credit report. I have reviewed my credit report and identified discrepancies that I believe require investigation and correction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inaccurate information pertains to the following accounts : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the accuracy of late payments associated with these accounts. I believe these entries are incorrect and are negatively impacting my creditworthiness. 

Under FCRA Section 605 ( b ), I request that XXXX, Experian, and XXXX conduct a thorough investigation into these disputed items. I also request that you provide me with a written explanation of the results of your investigation and any actions taken as a result.

According to FCRA section 605B it is illegal to report any information on my credit report without my permission please remove all items from my credit report permanently, thank you. 

Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to resolve this matter. I am relying on your prompt attention to ensure the accuracy of my credit report. 

Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Student loan

A debt collector, Transworld Systems sent me 6 letters in one day stating my wages would be garnished for my student loans and they had contacted my employer for information. The creditor listed on the debt collection noticed does not own my loans. All of My loans were consolidated in 2014 and are not in default. I confirmed this fact via XXXX and the Department of education. My loans are not in default and the creditor they claim to be collecting from, XXXX, has n't owned my loans in 2 years. They were paid in full by the consolidation. In addition to the 6 letters, they have called my home phone at all hours of the day. I also received a call on my private cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Credit Bureau stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure Credit Bureau that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. 

1. The wrong amount is being reported XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Wrong date of opening is being reported. I have never been late with payments on this account. 
XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial is reporting wrong closing date on the report. 
It has been closed since XX/XX/XXXX, they have reported to XXXX and XXXX as closing date XX/XX/XXXX. 
It has caused my credit score to lose 70 points. I tried reaching out to the Financial instatution and they do not want to provide me with any information. 
I also contacted both credit bureaus. XXXX has corrected my score, XXXX has not. Below is the information gathered from my XXXX report. 

Your ALLY FINANCIAL payment history has changed Your account payment history was updated. Here 's what changed : XX/XX/XXXX - Unknown XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XXXX XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XXXX XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XXXX XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XXXX XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown Here is what your payment history showed before : XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XXXX XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XXXX XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XXXX XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XXXX XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off Nice! It looks like your payment history was updated or corrected. The more on-time payments you have, the better.
Product: Checking or savings account

Chase Bank in XXXX CA doesn't want to disburse the earned monthly interest from my CD to my checking account due XXXX XXXX despite many calls and two visits to the bank. I am a XXXXXXXX XXXX that depends on the interest to pay my bills.
Product: Mortgage

I have a mortgage with Specialized Loan Servicing ( SLS ), Loan number XXXX Due to Covid-19 I was granted forbearance on XX/XX/XXXX, which I came out of in the Fall of XXXX. As suggested by SLS, on XX/XX/XXXX I requested a loan modification, which included all the required documentation. On XX/XX/XXXX my request was rejected and I requested a second review. However, since XX/XX/XXXX I have been making monthly principal, interest and escrow payments that have been accepted. On XX/XX/XXXX I received a notice of pending foreclosure.
Product: Credit card or prepaid card

XXXX reported a XXXX XXXX XXXX to your XXXX XXXX XXXX. 

Source : XXXX XXXX : XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Phone : XXXX Account Opened : XX/XX/2023 Credit Limit : {$1800.00} The account used my social security number. XXXX with XXXX stated he is sending notification to the credit bureau of the fraud and mailing me notification that my claim has been resolved to my address. I am updating my current police report to reflect this case as this is not the first time this has happened.
Product: Credit reporting or other personal consumer reports

while looking into my credit credit report XXXX XXXX I noticed some accounts weren't accurate nd incomplete. According to the FCRA when a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the person who the report relates this account : XXXX XXXX XXXX XXXX # XXXX I never had an account with this company, also the dates and amounts are different on my credit reports. 

XXXX XXXX XXXX Account # XXXX The dates and amounts reporting are incorrect XXXX XXXX XXXX  ACT # XXXX the dates and amounts are incorrect. 

XXXX acct # XXXX dates and payments are incorrect and this is too old to be on my credit report. 

I've sent letters to these companies asking them to reinvestigate these accounts. I got response back but notice nothing was modified which is a violation of 15 USC 1681i ( 7 ).

They also violated 15 USC 1681i ( 5 ). 

I also have incorrect personal information like my home address and last name attached is my ID with my correct address and name.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Capital One made a hard inquiry on my credit as part of a credit application process. I made no such application
Product: Credit card or prepaid card

The Barclaycard US claims that it gives direct statement credits for travel related expenses, which they list to include hotels, air fair, car rentals etc. They used to actually give these rewards. Now they have stopped giving them with the excuse that the charges aren't 'coded ' properly. However they do not say what the correct code is, they can not tell me what the wrong code is and the the vendors I have talked to about this say that they have no idea what the card company is talking about because they aren't coding their charges any differently. 

I've had many examples of this happening, but to give just one : on XX/XX/2021 I stayed at the XXXX XXXX XXXX XXXXXXXX in XXXX MT. Clearly this is a hotel. Yet the charge wasn't credited for the rewards category. I called customer support and they gave me their now standard nonsense excuse about the coding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent a great deal learning now the difference in finance and credit industry. I have spent a great deal trying to work with XXXX, TRANSUNION, XXXX but nothing more insulting think we don't read our rights. After the appeal to fix my credit report was answered by one so far ( TransUnion ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to XXXX XXXX XXXX and notify them of their error posting of information on my report. I never missed any payment on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017, {$730.00} disputed account multiple times with credit bureau and the company.This account was opened fraudulently. Notified authorities XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the counts that I marked as inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

INQUIRIES : XXXX XX/XX/2024 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report for inaccuracies I noticed several accounts reporting innacurately and contacted Experian via  Postal  Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report.  XXXX  months later I still have no method of verification for the following items  XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX ,  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX  Enhanced a Recovery #  XXXX . Experian needs to furnish me with the documents requested or delete these accounts from my credit report!!!!!!