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

XXXX of XXXX we had a transaction go through our Wells Fargo checking account as a XXXX wire transfer for XXXX to a personal I have no clue who that is ..instantly reported thus that neither my husband or myself that are the only XXXX people on the account that this is fraud .. and over the course of XXXX months it kept happening neither my husband or I got notification on our phone or phone calls about these transactions going out of our account we NEVER EVER send these which would be a hudge red flag that its fraudthey kept coming back online bank sessions were used and that they found no fraud kept going on and on and more kept going out I had specifically told them to remove XXXX to where it could never be accessed and someone kept doing this ..so when I reported this as of XXXX XXXX there had been XXXX removed from our account and where still looking for all of them that went through because it wasnt showing up on online banking..the claim number XXXX I learned XXXX weeks after they reported it as scam and was reported incorrectly XXXX when I called them back at this point talked to a different representative and she had went through our entire account and from XX/XX/XXXX to XXXX XXXX was a total of {$17000.00} taken from our account to people she read off that I have never even heard of those name or who they even are..she assured me that this is truly fraudand what threw a hudge red flag to me is XX/XX/XXXX there was a XXXX transfer to myself which made no since why would I sent money to myself when its in my account ..I havent received any information and all they tell me is they are trying to make contact with each transfer to see if they get the funds back as of XXXX of XXXX ..to me these are scammers they arent going to send the money back I contacted my phone provider because I had several of my account used the same way I had XXXX XXXX get into my device I have had for the past XXXX years to see if there was a problem and there was a hudge problem..someone had control over my phone personal information bank login information they swapped the XXXX hacked my XXXX XXXX account and had been doing this for over XXXX years Im attaching what XXXX did to protect me and my accounts and that was totally change devices and phone number completely Wells Fargo has done nothing to give my money back because you can clearly read no bank sessions where used and that me or my husbands accountI WANT ALL MY MONEY BACK WELLS FARGO IS RESPONSIBLE FOR THIS IT IS A SERVICE THEY PROVIDE WITH THEIR ONLINE BANKING
Product: Vehicle loan or lease

As per written contract TD Auto has 10 business days after paying off the loan in full to send request to remove lien to NYS DMV. It has not been done and numerous customer services and supervisor XXXX XXXX said they dont know when it will be done and they dont follow written contracts.
Product: Debt collection

On XXXX XXXX, Recievables Management Systems was notified by XXXX that the debt was paid in full. 

On XXXX XXXX, Receivables Management Systems send out a Notice of Credit Bureau Notification, stating that I had not paid my debt and that they would be notifying the credit reporting agencies. 

Upon calling them to resolve the situation, I was interrupted constantly before I had an opportunity to explain my problem, and subsequently hung up on. 

I am concerned they will notify the credit reporting agencies in spite of my debt having been paid.
Product: Credit reporting or other personal consumer reports

I recently checked my credit credit report and found hard inquiries which was unauthorized so i want them off my report form both Equifax and XXXX XXXX has already removed them I'm haven hard time with both Equifax and XXXXSubject : Request for Removal of Unauthorized Hard Inquiries I am writing to dispute certain hard inquiries listed on my credit report, which were made without my authorization. These inquiries are negatively impacting my credit score, and I request their immediate removal. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information on my credit report is accurate and verifiable. Specifically, under 15 U.S.C. 1681b ( c ) ( 1 ) ( B ) of the FCRA, a consumer report is only permissible if it is requested for a legitimate purpose with my explicit consent. I have identified the following hard inquiries that I did not authorize : [ List the companies and inquiry dates that need to be removed ] These inquiries were not made with my consent, and I believe they are a violation of the FCRA. I am requesting that you investigate these inquiries immediately and provide evidence of my authorization. If you are unable to provide such evidence, I ask that these inquiries be removed from my credit report. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA, you are required to investigate disputed information within 30 days of receiving this notice. If you determine that these inquiries were unauthorized, I expect the hard inquiries to be deleted from my credit report and confirmation of the deletion to be sent to me in writing. Please also forward an updated copy of my credit report once the investigation is complete. Thank you for your attention to this matter. I look forward to your prompt resolution and response within the legally allotted time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to CREDIT BUREAUS on XX/XX/2022 to remove XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$780.00} ; XXXX XXXX XXXX XXXX XXXX : 10 XXXX XXXX XXXX ) XXXX Balance XXXX {$780.00} that are UNKNOWN to me . I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX, EQUIFAX, and XXXX are required to remove any items or information not later than 4 business days after the XX/XX/XXXX letter.Ive already included this in my previous Complaint # XXXX XXXX, and XXXX & I am including it again.
Product: Checking or savings account

To Whom It May Concern : I XXXX XXXX am writing this letter on behalf of myself. In the month of XXXX, I opened an account with Truist Bank, with hopes of building a relationship. I made a deposit using one of the accounts I had with Truist for an amount of {$200000.00}, this amount was in the form of a check from the United States Department of Treasury, for the XXXX. Truist is telling me they are holding all of my funds, and that I need to contact the maker of the check in order to receive my funds. I just received a statement in the mail, and the present balance in the account is {$100000.00}. Truist in no way can prove that these funds do not belong to me. I spoke to several banking representatives of Truist and none of them can tell me the reason for holding the funds. I have shown all proof, as I opened my account inside the branch with the Vice president of Truist, as well as deposited my check. I have heard amazing things about Truist business products, as this was my initial reason for opening my account. Truist has shut down both of my accounts, but hasnt sent me any correspondence as to why, and when will my account be terminated, but somehow, XXXX cant access my funds, it has now been over 60 days and my money hasnt been flagged for fraud, etc. Truist is illegally holding my funds, and the department of Treasury said they havent received any funds from Truist. This is considered fraud and discrimination. I have waited almost a year for my XXXX funds to come, my business is still being affected because the funds I anticipated on receiving Truist are now holding, without any valid reason which isnt legal. I want my money released including the interest the account received from holding the funds. I still havent recieved any correspondence about account closure, so as of today XXXX the representative is stating the account is still open, and the notes say do not release, or unblock account. I also was able to record all conversations with permission
Product: Credit card

Bank Of America has entered into a consumer credit transaction with via using my social credit card defined under 15 USC 1602 to extend me my o n credit on multiple accounts. In the year of 2022 Bank Of America has committed ADVERSE ACTION and has discriminated against me and my RIGHT TO CREDIT as defined under 15 USC 1691 by shutting down my accounts and denying me a Granted Right which is access to extend credit. Bank Of America has been in violation of the ECOA and Tittl 18 USC 242 for denying me a federally protected right to extend credit and have access to credit. Bank Of America once aft er taking ADVERSE ACTION discriminating against me has reported false statements on my consumer report hurting my reputation and hurting my credit worthiness further negatively impacting my right to extend credit in the banking system. Bank Of America is reporting an alleged debt that arose out of a consumer credit transaction via a FINANCE CHARGE and is falsely reporting charged off accounts as Income on my reputation as defined under IRS Guidelines. Bank Of America has been given the opportunity to perform and provide VALIDATION of the alleged debts by providing key information that which if provided payment in FRN would have been made. Bank Of America has FAILED to provide lawful evidence of a Lawful debt and continues to furnish false statements on my reputation hurting my character and Right to Credit for personal and household needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

the date of last activity and the date of reporting is wrong they are both ilegally being reported and qualify to be deleted now and an account Iwas never late on
Product: Student loan

I have over {$200000.00} in existing student loan debt, both federal and private. I have been working XXXX jobs, 7 days a week, to try and get by and repay my loans as best I can. XXXX years post-graduation, I have NEVER missed a payment despite my monthly payments being over {$2000.00} combined. 

I contacted Discover Student Loan, who services about {$85000.00} of my private student loan debt, because they advertise on their website that they have Repayment Assistance Programs for struggling borrowers. Several of the programs offer either reduced monthly payments or interest-only payments for a period of time. 

I spoke with a very pleasant lady who understood my issue and wanted to help. She took my information and looked into " what programs I qualified for ''. She advised me, at this time, I do not qualify for any of the repayment assistance programs. I was n't sure exactly what she meant by this so I asked, what exactly would qualify me for the programs. She did not know, but simply that I did n't qualify. 

I asked what, in the future, I would need to do or have done to me in order to qualify for the student loan assistance programs. She said that she did n't know but that I simply am not eligible despite not being delinquent on any payments now or ever. 

I do n't understand what kind of game Discover is playing. If my situation is not the ideal one for the repayment assistance programs, I do n't know what is. I am being CRUSHED by student loan debt and, yet, I am doing everything in my power to not default or miss payments. I am trying to be a responsible borrower and live up to my end of the bargain, but the private student loan companies are making it very difficult. Defaulting on my loans becomes a more and more enticing option every day. 

Please help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, 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, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XX/XX/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 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 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 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 FTC Report Number : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21, XXXX emailed me about a new card which I did not request. 
XXXX closed the card and told me to call XXXX to request a fraud alert. 
I talked to XXXX and Experian and I asked both to REMOVE THE HARD INQUIRY from XXXX on XX/XX/21. 

As of XX/XX/21, XXXX did not remove it and Experian is refusing to give me a credit report.
Product: Debt collection

I received a letter fro
m XXXX XXXX datedXX/XX/XXXX regarding then CAR CARE ONE/XXXX XXXX account for unauthorized opening of an account. Their investigation was completed and the claim was resolved in my favor and they wrote they advised the three major credit reporting agencies, XXXX, XXXX and XXXX to remove the account from my credit report. The charges were removed and I wo n't be held responsible for the debt. It has been sent to XXXX XXXX XXXX  opened in XX/XX/XXXX.
This information remains on my credit report as of XX/XX/XXXX when the XXXX XXXX XXXX refinance agent told me of this information. It does affect my credit score to refinance my home.
Additionally I was told I have 2 other negative accounts that are not mine.
XXXX XXXX/XXXX/ or XXXX in XXXX , Ohio showing late payments on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. {$1000.00} XXXX XXXX XXXX for {$940.00}. in XXXX, Florida I have filed a police report with XXXX XXXX Police in XXXX XXXX, Colorado regarding XXXX XXXX accounts and it was investigated and I do have the name and address of the perpetrator in California. I do not know if this is the same individual associated with the above accounts.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX, XX/XX/XXXX Listed below are the Accounts that are being challenged 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 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 I respectfully ask for tangible proof to support the account 's legitimacy and allowable use. If there is not enough evidence, I anticipate that the account in question will be deleted from the report. I give you permission to email me an updated credit report and hard copies of the paperwork you took.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau ( Experian, XXXX or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

[ challange financial services XXXX ] Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement and cell phone bill. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXX spc XXXX XXXX ca XXXX SSC : XXXX Experian has failed 3 times to produce the original contract of this debt I have upload the original contract that I hold in my possession that proves I have no account with this finance company its theft and indemnity fraud I want that deleted from the credit report with in. 24 hrs or Ill have to use legal actions against experian and challamge finacial.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax you are reporting an illegal account on my credit from XXXX XXXX XXXX XXXX as an installment loan/ Banking/Creditor for an XXXX account. I never borrowed money from XXXX. I never borrowed money from XXXX XXXX XXXX XXXX. Under the FCRA a Debt Collector is not an Lender. I sent XXXX XXXX XXXX XXXX a Cease Desist letter for Deceptive practices. XXXX XXXX XXXX XXXX has fallen to supply with a loan contract from XXXX and XXXX letter state I do not owe them any money. 
XXXX/ Equifax there is no reporting from any creditor on Credit Report that I have a closed account owing {$270.00} accept your Fake Debt Collector XXXX XXXX XXXX . Remove this account completely of my credit report and restore my 24 points credit score. I am sending a copy of both credit reports showing XXXX listing a XXXX installment loan from a Debt Buyer and Equifax listing a Debt Buyer as a Creditor/Banking Loan
Product: Credit reporting

I check my credit report XX/XX/XXXX I seen all these things on my report I have no knowledge of. I immediately contact Equifax - I have so many dispute case numbers that Equifax email back to me I have them all printed out. I ask Equifax to verify these accounts - Equifax will soon reach out to me by mail or I can view the status online it states these accounts have been verified and I should reach out the company itself. I being to write the company 's all certified letters and I have all my certified receipts that the letters were received. Instead of the company 's sending me verification I received statements or invoices - letters. I still have these letters and all of the letter along with statements invoices were submitted to Equifax. I disputed inquiries yet still the same thing they have been verified and I need to reach out to the company and when I reach out to the company Im directed back to the credit bureaus. I have been going through this now for a year and a half and nothing verified. XXXX XXXX sent me a letter stating the account is listed as disputed and they will forward this to the credit bureaus so I waited and waited and yet still right today that account is still there. Then Equifax removes some accounts and since then have added them back with dates open as XX/XX/XXXX. After going back and forth with Equifax for one year since XX/XX/XXXX this have left me XXXX. I wrote Equifax regarding XXXX aka XXXX I was told to contact the company I contact the company just asking for PROPER VALIDATION of the accounts and its been a year and I have not received. EQUIFAX needs to realize they have broken the rules and laws and at this time Im not seeking compensation Im asking that I wait no longer just removed now
Product: Mortgage

XX/XX/XXXX payment was made XX/XX/XXXX payment was taken form checking account XX/XX/XXXX Phone call was made about payment not being applied and was told not to worry they would find the payment and it would be applied to call back on XX/XX/XXXX XX/XX/XXXX Called back, issue had not been resolved was told to wait another 10 days XX/XX/XXXX Called to see status nothing had been done XX/XX/XXXX Nothing had been done XX/XX/XXXX Filed a complaint within Panorama for them to escalate the issue and get it resolved XX/XX/XXXX Our local Credit union notified us that our house is delinquent on taxes XX/XX/XXXX Issue still has not been resolved. I am being told that they have no communication between front and back office to see status of issues that they have a master task list that they are working through and there is no way to know the status of my case.
Product: Checking or savings account

I had signed up for a new account bonus with Citi. Here are the terms : Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : - Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
- Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days - Bonus will post within 90 days from the date you complete all of the requirements I have completed all requirements and the 90 day window is now almost two weeks past. I opened the account on XX/XX/2018 and completed the requirements on XX/XX/2018. 90 days after that is XX/XX/2018.

I have contacted Citi multiple times about this, but have received no firm date when the bonus will post.