23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I took a loan out with Speedy cash for XXXX and I was told my payment was about XXXX a month and when I log into my account it shows this payment amount not due until XXXX, however I had to go to my credit union because they have pulled 3 payments for the month of XXXX and have tried several attempts to keep drafting payments in XXXX when on my account it states I am not due for a payment until XX/XX/XXXX. I have placed a dispute and a stop payment with my financial institution and have requested Speedy cash send me a balance bill being as I have no longer authorized them to pull from my checking account. The payments they pulled incorrectly caused me overdrafts fees from my financial institution as well. They have no actual location in the state I live in and it is nearly impossible to get in touch with someone to resolve the matter. I have not received the balance bill or even a call back in regards to my situation. I do not feel as though this company should be allowed to pull from my account when a payment is not due and was not authorized. They changed the payment amount from XXXX to XXXX for XXXX just to try and have it go through. I have already placed a stop payment on my account for any future transactions they try to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX XXXX  XXXX, Inquiry : XXXX XXXX, 2019.
Product: Credit card or prepaid card

Chime banking has taken money out of my credit builder transactions without leaving a paper trail and double charging it but I have screenshots of it taking money out when I first do the transaction then it pending for XXXX days, then when it goes through it takes the same amount out in the same transaction a second time after pending when it took it out to start. On XX/XX/XXXX I made a {$40.00} gas transaction and it took it out, pended for 2 days and went through the XXXX where it took another XXXX out in the same transaction after pending. The same thing happened XX/XX/XXXX where I got gas at a different gas station for {$20.00} which it took out that day from my account and it pended until the XXXX where it took another of the same amount out for the same transaction. Then again Saturday XX/XX/XXXX I got gas for {$19.00} and it was pending until XX/XX/XXXX to where it took the money when I first made the transaction the XXXX and then again took it out a second time on the XXXX when it finished pending but didnt say anything was taken out though after it was I keep track of my account and my credit account went negative {$12.00} because I had {$6.00} and some cent left in my account to see if it would do it after it finished pending and it did which put me negative. Ive called and disputed all 3 times and didnt get the {$40.00} charge disputed the first time, they actually made a dispute about the {$20.00} one and the money came back in my account from that incident without a paper trail just as it was taken out and the {$19.00} is still in a pending dispute after a couple weeks now though I provided them with screenshots of how I caught what was happening and where it took the money out twice in the same transaction. Theyre leaving no paper trail of it either unless you catch it in your own account and know your balance. I was only able to do it so well because I have notifications turned on that shows it was taken out when I first made the transaction then screenshots of it doing it again without leaving a notification just from it going through and that much being taken out of my balance. ( It was for gas in my car all 3 times but from raceway and qt, 2 different stations. )
Product: Credit reporting or other personal consumer reports

Transunion is reporting information on my credit report that is fraudulent. I have requested that this information be investigated and removed. But it's still showing i have listed the information below that is inaccurate. 
XXXX XXXX XXXX XXXX Opened XXXX {$1100.00} XXXX XXXX XXXX  Opened XXXX {$1300.00} XXXX XXXX XXXX Opened XXXX {$2300.00} XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXXXXXX XXXXXXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Government XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Hotel and travel XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX Hotel and travel XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Hotel and travel ) XXXX XXXX XXXX XXXX ( Bank XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX ( Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX Hotel and travel XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Hotel and travel XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Hotel and travel XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Hotel and travel XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion score fluctuates XXXX points every few weeks. I called and discussed the issue in which I relayed that paying off my credit card drops my score while charging {$20.00} increases it. I offered screen shots of my payment dates that coincide with Transunion tanking my score. They said it's not and it's the bankruptcy HOWEVER if that were true and all credit bureaus have similar scoring models 1 ) why would it suddenly increase then decrease XXXX points every few weeks and 2 ) why is my score stable with XXXX and XXXX which is XXXX points higher at the moment. 

I have screen shots from XXXX XXXX and my credit card proving that Transunion is trying to keep people in debt by forcing them to keep a balance on credit cards in order to avoid dropping their credit scores which had in fact cost me 2 rental properties and is forcing me to look at becoming homeless due to increasing rental costs and the fact that the homes I can afford I can't get because of the TU scoring. 

I'm over credit bureaus and at this rate, it's this company is allowed to get away with this XXXX what's the point of having credit or even trying to buy a home when they're dictating who's worthy or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 and XX/XX/XXXX I sent two different formal dispute letters to the credit bureaus XXXX XXXX and Equifax. I also got a letter from Bankruptcy court stating that they do not validate anything or report in any way to the credit reporting agencies. I am asking them to follow the law but they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received the usual XXXX  letter from Equifax requiring more information BEFORE they could fix my account. How pitiful these souls are. The have my unique last 4 SS ID, My Name, TC, ETC, ETC on th actual complaint form which they themselves have been able to use as have other Credit reporting Agencies. Opinion a ruse to discard doing anything in a timely manner or pathetic incapable staff! and still want me to sent proof. Well let me ask you this- supposed I stole that ID. They do not know who the XXXX I am. With the internet ripe with fraud and scams all our information if blatantly available to anyone. Now sadly this so called Consumer Protection agency will send me an email saying this is a duplicate BUT they never consider they never repair the problem to begin with. Yes how blatantly fraudulent are these people bordering in my opinion total arrogance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I XXXX XXXX XXXX XXXX, am a consumer with protected consumer rights. After careful review of my consumer report and in comparison with the Federal Consumer Laws it is apparent that your company is violating my consumer rights. 

If you look at the law 15 USC 1681a 2 ( A ) ( i ) it clearly states my consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. Furthermore, those transactions and experiences are excluded. 

Your reporting of experiences and/or transactions on my consumer report is a direct violation according to congress.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I obtained a copy of my Experian credit report it showed that a bankruptcy was on my personal report that was filed in a court in XXXX NY in XXXX of XXXX. I tried to drive to this courthouse and was told that it no longer exists and has not for decades.I then tried to call the phone number for the courthouse listed on my Experian credit report which is a XXXX area code and was informed that the number I dialed was in XXXX, XXXX.On XX/XX/XXXX I sent Experian a certified letter explaining the errors on my report but to my shock and dismay they claimed to have verified this false information. I then sent them a follow up letter on XX/XX/XXXX requesting how they veried the information with the courthouse. They responded that they did not verify the info thru the court but thru a 3rd party called XXXX XXXX.I have had a security freeze on my XXXX XXXX account since XX/XX/XXXX so it would have been impossible for Experian to verify anything with them.Experian lied to me and violated FCRA laws.I sent Experian a letter on XX/XX/XXXX explaining to them the laws which they had violated. I also called them on XX/XX/XXXX at XXXX and was placed on hold for 47 minutes when I did reach a representative I was asked several questions to identify who I was, but when I asked her questions about Experian 's FCRA violations against me, she cursed at me and hung up.I have exhausted every XXXX XXXX to get Experian to resolve this issue to no avail and that is why I am forced to file a complaint against them.
Product: Credit card or prepaid card

Bank of America has my unemployment funds and have not let me get this money
Product: Credit card or prepaid card

Since XX/XX/2020 I have been trying to resolve my claim with no positive result, instead I am told they are sorry and to continue to wait, it's been 2 years now of going back and forth with multiple supervisors agree that I should not be held liable and that this is not me or my fault, yet they still have not helped me, I have had to have this claim reconsidered over 60 times due to their denial that clearly is automated. They refuse. They sent out a letter last XXXX and I were to receive credit for my claim, and they refused say it was generalized, currently I have another claim of XXXX due to their negligence. using an old card on my account that was not active causing another huge strain and leaving me with nothing, I have begged them, and they refuse to help and refuse to give me a hardship I have complied with all of their demands, yet I get no where claim # XXXX {$1900.00} claim # XXXX {$9400.00} excuse no posting error has occurred Still have not received anything
Product: Debt collection

Choice Recovery is reporting to XXXX that I owe them {$280.00}. I do not owe them nor have I ever owed them {$280.00}. I sent them a letter requesting a contract with my signature to pay this amount and they refused to comply. They said the debt was a debt that was transferred from a company called XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and they stated they have no record of this. If this item is not removed from my credit report immediately I am going to report this to the Ohio State Attorney General as well as file a lawsuit against Coice Recovery for defamation.
Product: Money transfer, virtual currency, or money service

Was told that after I sent money through XXXX that I would receive the concert tickets I was purchasing. Once sent, the other person never responded and never sent tickets. Felt secure sending through XXXX because someone has to link their email, bank account information, name and phone number. Was given all of this information so how is there no way to reverse the transaction. Have reached out to chase within 5 minutes of money transfer, my bank, and was told that they will file a claim but that they can not reverse the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these fraudulent accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

a XXXX  XXXX XXXX  tradeline was resolved in 2017 ; however, tradeline wasn't removed in accordance with agreement made with debt collector on behalf of the original creditor.
Product: Credit reporting or other personal consumer reports

The account in question pertains to a XXXX vehicle Account number XXXX ( XXXX XXXX XXXX XXXX  XXXX ), for which I am incorrectly listed as a co-buyer or joint account holder. This account should only be in the business name and a personal guarantor attached to it. 

Please note that when I signed the documents related to this vehicle purchase, I explicitly agreed to act as a personal guarantor, not a co-buyer or joint account holder. I was clearly assured by the finance department that my role as a personal guarantor would not reflect on my credit report.

Nevertheless, upon reviewing my credit report, I found that this account has indeed been listed, which is incorrect according to the terms agreed upon at the time of purchase. I believe this to be a mistake and it may adversely affect my credit score. 

I would like to request a thorough investigation and correction of this error as soon as possible.
Product: Checking or savings account

I signed up to use the services of a company, when I did not receive responses from the company to evidence that they were providing the service, I filed a fraud complaint with Wells Fargo ( XXXX ). My fraud complain was closed. I contacted Wells Fargo and they provided me documentation for the decision to close the fraud case and the documentation that they presented was the original contract that I had with the company. I am not and did not dispute having a relationship with the company, I am disputing the fact that the company did not provide the service that they advertised. I know that they do not guarantee results, but they should be able to provide some form of evidence that they were doing something on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My home was burglarized and a theft took a lot of my belongings including my social security card and my ID. These inquiries should not be on my report for XXXX XXXX REP XXXX. XXXX, XXXX, EQUIFAX MORTGAGE SERVICE 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 am spouse to XXXX XXXX problem with XXXX XXXX, EXETER AND XXXX XXXX XXXX  FAILING TGO HONOR THE 150 % GAP TOTAL LOSS CLAIM, CONTRACT XXXX XXXX. YOU HAVE 10 DAYS TO RESOLVE MATTER OR FACE LAWSUIT.
Product: Mortgage

Purchase of a 2 bed/2 bath condo at XXXX XXXX XXXX ; XXXX ; XXXX, WI with a close date of XX/XX/XXXX. 

XX/XX/XXXX - Signed off on a rate lock disclosure stating a 30 year amortorization period. 
XX/XX/XXXX - Signed off on a preclosing disclosure reflecting a 30 year amortorization period. 
XX/XX/XXXX - Texted that I will only be receiving a 20 year amortorization period and am being forced to sign a new preclosing disclosure reflecting this change with no quantifiable " change of circumstance '' Closing got pushed back to XX/XX/XXXX and I will be forced to forfeit earnest funds of {$1500.00} and a payment of {$480.00} for an appraisal if I am to walk away from this transaction. 

Requested Compass Mortgage disclose the " change of circumstance '' and was not given a reason. I was told they were within their right to make this change. When I called CFPB for guidance, a conclusion of filing a complaint was acknowledged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was extremely disappointed this morning when I checked my credit report and I saw that I have a XXXX  showing on my credit report. This is so embarrassing, and I am so ashamed I do not think this is something that should be shared with the public. I need these accounts removed