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

I am filing this complaint regarding a hard inquiry on my credit report from your institution related to an auto loan application initiated on XX/XX/year>, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

While I visited the dealership and provided my personal information ( drivers license, Social Security Number, and date of birth ), I was not made fully aware of the impact of these actions on my credit report. I did sign a credit application, but I did not explicitly authorize a hard inquiry from your institution, nor was I informed that multiple inquiries might result. 

The key points of concern are as follows : LACK OF FULL DISCLOSURE : I was not informed that submitting my personal information would result in a hard inquiry from your institution.

The dealership did not explain the potential negative impact on my credit score caused by these actions.

DENIED APPLICATION AND UNNECESSARY IMPACT : The credit application was ultimately denied, meaning the hard inquiry served no useful purpose. The continued presence of this inquiry on my credit report is unwarranted and unnecessarily detrimental. 
EXCESSIVE AND UNFAIR PRACTICES : My credit report reflects 7-9 hard inquiries related to this single event, which significantly impacts my credit score.

As a stay-at-home parent with responsibilities for providing necessities for my family, this unnecessary credit damage severely hinders my ability to secure credit for important purchases or to conduct essential business activities.

Failure to Consolidate Inquiries : Credit scoring models typically consolidate multiple inquiries for the same type of loan made within a short period ( e.g., 1445 days ). However, the lenders involved in this process have failed to ensure that these inquiries were consolidated, amplifying the negative impact on my credit.

GOOD FAITH EFFORTS TO RESOLVE : I am attempting to operate in good faith and obtain a resolution that reflects fairness and transparency. Despite my efforts to contact your institution and others involved, I have been unable to secure a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convicti
ons of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Wells Fargo has allowed unauthorized users to access my bank account three times in the last 6 months -- XXXX, XXXX, and XXXX. It appears their security verification for changing online banking passwords is not strong enough -- seems like you only need a phone number or email, or if you have the last four digits of the SSN you can change it, and those are easily found on the dark web. When this happened in XXXX, I asked the bank to open an investigation and they found that one of their customer service agents failed to recognize that someone was impersonating me and had called asking to change the phone number associated with my bank account, so they were able to set it to their phone number, change the password, and withdraw funds. The investigator told me that the customer service representatives didn't catch the fraud because the person calling " sounded confident, '' which was not an indication that anything was wrong. I pointed out that people committing fraud are often professionals and very good at coming across in a certain way, so their security should be more than what appears to be them just checking out the vibes of the person calling. 

Wells Fargo also represented to me that their would be additional fraud alerts placed on my account after the XXXX incident. However, if they did anything like that, it didn't work because my account has now been compromised again. This time, someone was able to change my password without my authorization, and then they granted themselves guest access to my online banking. The hacker was able to transfer {$2500.00} before Wells Fargo 's fraud system caught on and alerted me. It also allowed some of the transactions to go through ; only one was caught and frozen. The hacker overdrew my bank account, so Wells Fargo allowed the {$2500.00} transaction to go through. The hacker also used XXXX to transfer {$950.00} after adding a new recipient. This was not picked up by fraud detection either, even though I had never sent money to this recipient before. There should be some kind of multi-factor authorization or other security measure for adding or sending funds to a new phone number. Wells Fargo did freeze an attempted {$45.00} transfer, but the other money had already been taken. I'm attaching to this complaint emails that I received that indicated that the fraud was occurring. I don't know the people or phone numbers who are listed as recipients in the emails. 

I have been very careful with my online password -- it is not saved in my browser nor is it a password I use anywhere else. I have done scans of my devices for keystroke tracking and have not found anything. I often use my work computer to log in, using XXXX mode, and I work around sensitive information so the security on the work devices is very high. The problem seems to be with Wells Fargo not having effective security. I have been a customer for 10 years, but I am going to close my account and move my money to a bank with better security practices.
Product: Credit card or prepaid card

Dear Robinhood, I am writing to express my frustration with your recent restrictions on my ability to purchase and withdraw money from my account over a simple repetitive transaction ; it's not like it's a foreign or out-of-state or first-time transaction. It's a transaction I make every day. As a loyal customer, I have always relied on your platform to manage my investments and complete trades quickly and efficiently. However, I was recently informed that I am being restricted from purchasing stocks and that my ability to withdraw funds from my account has been limited. This has caused me great stress and inconvenience as I rely on these funds for my daily expenses and investments. I understand that Robinhood is responsible for protecting its users from potential risks. However, these restrictions are unfair and unnecessary, limiting my ability to make informed decisions about my investments. I urge you to reconsider these restrictions and work with your users to find a fair and equitable solution for everyone. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

We received an escrow analysis showing our payment was going up significantly. The taxes were wrong. Our local tax office updated everything to show a considerably less estimate of taxes due and we faxed to Roundpoint per their request five weeks ago. We were told it would take XXXX10 business days to receive an updated analysis and have our payments on track. It has been three weeks since this update would have been " due ''. We have spent countless afternoons on the phone with Roundpoint 's customer service trying to figure out what is going on and every time we are transferred to a new person or they keep us on hold for a very long time forcing us to give up. This last call the customer service rep laughed at me because I told her I 'm tired of waisting so much of my life on this and they told us it would be completed three weeks ago. We are a family of XXXX and can not afford the payment they calculated that is WRONG.
Product: Checking or savings account

I have been banking with Bank of America since 2007 when I graduated highschool. I have never had issues with them despite their negative feedback everyone had about them even my spouse. I convinced my spouse that we should still keep the checking and savings with them. A month ago, my boss gave me a bonus in cash. I went to an ATM to deposit that bonus and some other cash I had in hand. I put my ATM card and clicked that I wanted to deposit the cash. After inserting the cash, {$800.00}, the atm froze and after a minute it gave me back my card and refused to return my cash. It gave me paper that stated " we apologize for the inconvenience, We are unable to process your request and return your items. Please contact our Electronic Claims Team and discuss this transaction ''. I rushed quickly to a bank nearby and reported this. Then gentleman told me to call the number that he could not do anything. I called the number and reported the matter. They gave me temporary credit of the amount while they investigated. XXXX week later they sent me a notice that they located the transaction but not the funds and they will deduct the temporary credit on the XXXX. When I called the representative yelled at me stating their is nothing else they can do. I spoke to a supervisor who asked me to send in the paper the atm gave me which I did. Today I called and they told me they still could not find the funds and there is nothing they can do and they will deduct the {$800.00} on the XXXX of XXXX. They state that I was at the atm but because of so many fraudulent activity that go on they can not know who is who. At this point its my word against theirs. But this is highway robbery and the only God knows. I need my money back. It saddens my heart that they can not investigate any further especially if they can see I was at the ATM. It is like no one cares at all.
Product: Checking or savings account

I XXXX XXXX XXXX ( XXXX ) ( XXXX ) was a victim of Identity theft due to my car jacking and my stuff was stolen and I have been back and forth to court to get it expunge off my records because the lady was using my identity and cards and was lock up and used my license. This is the last thing I have been trying to clear off my info. So I am sending in the information again to clear this off of my Chex System. 


Contents of Complaint : I am writing to request and investigation of the following accounts. " I'm requesting the following information to be deleted from my Chex System consumer report immediately I attached a copy of my report to this request The accounts consist of an Bank account opened and inquires below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chex Systems , Inc XXXX 
Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following that appears on my Chex System Consumers Services consumer report. I have NEVER opened or use the following account numbers : Bank Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX Routing # : XXXX I am a victim of identity theft and I don't recognize this account on my report. I am requesting the following information be deleted from my Chex System report immediately! I am also requesting the addresses to removed also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've attached a copy of the report to this request. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I understand that as a credit reporting agency, ( Chex System ) is bound by the Fair Credit Reporting Act ( FCRA ) to conduct an investigation upon receiving a dispute request. This legislation aims to ensure the accuracy, fairness, and confidentiality of consumer information held by reporting agencies, clearly outlining your responsibilities in such cases. details provided. I trust that you will approach this matter with the necessary attention it demands, and I await the outcome of your investigation. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I booked two round trip tickets from a travel agent called " XXXX  '' on XX/XX/XXXX. The tickets cost me {$1000.00}. However, the flights were canceled by the airline " XXXX XXXX  '' due to COVID-19 on XX/XX/XXXX. Ever since then, I've been dealing with this travel agent to get my refund for the cancelled flights, no success however, so I opened dispute on the credit card - Citi Business Platinum Select in early XXXX. Dispute ID : XXXX. 

I am entitled for a full refund and have provided all the evidences and documentations to Citi bank. However, the dispute took more than 4 months and during the whole procedure Citi bank dissolved this issue for the merchant favor several times again and again. It's so disappointed that while Citi understands that this travel agent refused to refund for no reason, still they don't stand behind their customer and can not protect customer 's benefits. 

Please see the reasons why I am entitled to get my full refund ( {$1000.00} ) back : First, according to the US Department of Transportation official travel refunds policy, passengers are entitled to refunds of the airline cancelled a flights, regardless of the reason. If a passenger is owed a refund, an airline, travel agent, or online travel agency must process it within 7 business days if the passenger paid by credit card. The link is provided below and webpage PDF is attached https : //www.transportation.gov/individuals/aviation-consumer-protection/refunds Second, the travel agent stated that the Airline is not providing any refund as of now. This is not true. The Airline of the canceled flight is XXXX XXXX. XXXX XXXX  has clear refund policy online : For the involuntary cancelled flights, if no portion of the ticket has been used, the entire paid fare will be refunded. Again, the link of XXXX XXXX online refund policy is provided and the webpage PDF is attached https : XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX Due to COVID, tons of passengers were infected and a lot of us are not getting money back. Because some travel agents act unethically and do not obey market regulations, hopeless customers like me have no choice but to seek for help from credit card company. Its so disappointed that citi bank does not stand behind its customer when there is official travel refunds policy from the US Department of Transportation and the travel agent/merchant stands no ground at all.

Now it's been almost 5 month and I still have not got my money back. Citi has closed my dispute again ( during the past 4 months, my dispute was closed by Citi several times ). Please help. I am hoping to get my refund {$1000.00} back. It's a lot of money to me. It's very appreciated if you can do any help.
Product: Debt collection

Afti/Comcast says I didnt pay a bill of {$230.00} from XXXX 2022. This is an error on their part. I ordered a new service but Customer Service had all wrong information. When tech came to home to install he had all wrong equipment, etc He corrected new service order and I waited another week for installation. I believe this {$230.00} amount is two months of what was ordered wrong. I am currently paying on the correct service monthly with Comcast ( paid on time each month ). I do not owe them {$230.00}. Besides all of this, Comcast never communicated with me in anyway that this was due. It just showed up on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX account showed up on my credit report for the amount of {$450.00}. I reached out to the debt collector to request verification of the alleged debt and I have not received any correspondence.
Product: Debt collection

XXXX XXXX in turn sent this unverified account to a National credit Systems , Inc and which they have not provided me any Contract or Lease to verify that I owe to XXXX credit Bureaus XXXX. There is n't any proof of what there claiming
Product: Checking or savings account

My USAA account was closed, due to a transaction overdrafting my account. My account was supposed to not be able to be overdrafted. I was hit with XXXX over draft fees after that. The account was closed due to me not paying the overdrafted amount on XX/XX/2024. After the account had been closed for XXXX days, USAA reopened the account temporarily to receive and absorb my paycheck in order to pay for the overdrafted amount and will not let me view the balance, refund my money back, set me up on a payment plan to pay off the balance owed, or use my debit card. They want to send me a check XXXX days after processing this transaction. I'm currently in recovery and I'm in quite a bind now that I don't have this money available to me.
Product: Debt collection

Repeatedly received phone calls from Shellpoint mortgage. Voicemails were hard to understand if there was even anything there. No one would reply when I would answer the phone call. They would call more then once a day from various phone numbers including late at night. I did tell them I am working with a debt company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital Accounts received disputes 3 disputes for the account entry reflected on all of my bureau reports. In my previous correspondence to them, I have requested that they prove the debt they placed on my credit reports and alleging I owe, is indeed mine. This account is not mine. I never received a dunning letter nor any correspondence from them notifying me that they were attempting to collect a debt. My requests specifically requested that they provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable as well as complete accounting of alleged debt. To date, to no avail. Additionally, my third attempt at communicating with them, I requested a copy of the financial responsibility page, copy of signature with the provider of service to release medical information and for any bureau reporting to cease until the debt had been validated by me. Again, to date, to no avail. This erroneous, inaccurate, unverifiable entry on my reports is violating my consumer rights and has caused me denials for credit. Please see attached documents that reflect my numerous attempts to communicate with this company. 

DELETE THIS ENTRY IMMEDIATELY AND SEND A FULL, UPDATED COPY OF MY CREDIT REPORTS THAT REFLECTS THE AFOREMENTIONED OUTCOME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXBarclay 's XXXX placed with collections and did not allow me to rectify and pay erroneous balance of {$310.00}. When I contacted the collections agencies they did not have the account and could not take payment for me to bring it to resolution. XXXX told me that this XXXX  account could not be rectified
Product: Credit reporting or other personal consumer reports

This is my third formal request to remove inaccurate and false information from my credit report. The Account is XXXX XXXX, account number XXXX Date opened XXXX Balance {$11000.00} which has been charged off and written off. XXXX keeps updating the balance after failing to respond to fraudulent chargers on the account. They constantly gave me the run around and wouldnt connect me to a supervisor to handle this problem. Despite my previous attempts, the inaccurate information remains, the credit bureaus have failed to respond and according to 15 U.S. Code 1681 ( e ), 15 U.S. Code 1681 ( i ) HJR 192 REMED, 1099C & 1099A, FCRA Section 611 Part ( AX1 ) FCRA Section 605 ( c ), 15 U.S. Code 1635, 15 U.S. Code 1692 is a direct violation of my rights. The continued reporting of inaccurate dates, failure to respond, reporting without consent is false information, especially the misuse of my personal information, is not only unlawful but also damaging. Theres multiple reasons this account needs to be removed not to mention if its a write off Ive never received a 1099 from. You are required by law to ensure the accuracy of all information reported, and failure to correct these inaccuracies after repeated notification is a violation of federal consumer protection laws. Closed dates and balances are inaccurate on all 3 credit bureaus. None of them are correct which is also a violation. I request this false report to be removed from my XXXX, TransUnion and XXXX report. Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan company XXXX XXXX is reporting that I have an open loan. When its been 8 years and I surrendered the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a late payment on my credit report that is incorrect. They are reporting on a company that is not on my credit report, yet they are reporting information on it. Experian is reporting a late fee from a company called XXXX XXXX but I do not have a XXXX card on my credit file. 

Experian needs to comply with the Fair Credit Reporting Act that protects me from credit reporting agency Experian using information that they can not verify. The information is inaccurate and must be removed from my credit file.
Product: Debt collection

XX/XX/18 : was notified of a collection. when notified i was informed i would need to make payment right away or they would take legal action right away. when i notified i wasnt paying them the person on the phone became aggravated and wanted to use scare tactics like going to court and paying legal and lawyer fees then hung up the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a debt collection notice from RESURGENT CAPITAL SERVICES. The debt is supposedly for XXXX XXXX XXXX never had an account there. this is identity theft. Please see the official government identity theft document and all parties listed on the debt collection letter was included in this report. 

Please note for the record that i sent in the form and checked the box stated this is NOT my debt.
Product: Debt collection

This account does not belong to me, It was open due to a result of identity theft. Creditor is required under the FCRA to provide me a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
Creditor has failed to present method of verification for over 60 Days! Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. In the Event XXXX has falsely state the following account verified who verified these accounts? You Must provide me a copy of any original documentation ; a consumer contract with my signature on it!