23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Inquiries into my Transunion account from " XXXX XXXX XXXX via XXXX XXXX XXXX ''. I have not purchased or enquired anything from XXXX XXXX. Please work with XXXX XXXX XXXX & remove enquires from my account. I have raised request 2 times but still not able to get this enquiry deleted from my account. I even reached out to XXXX but i am not able to get someone from XXXX. I sent email and called many times but not able to get hold of someone who can help. 
********************************************** Below are the details regarding inquires XXXX XXXX XXXX via XXXX XXXX XXXX Enquiry date : XX/XX/2022 Location : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone : Phone number not available Inquiry Type : Individual Permissible Purpose CREDIT TRANSACTION ************************************************ Can you please advise what i can do? Same enquiry was showing earlier on XXXX & they have removed it. Can you please remove it and let me know what i can do from my end.
Product: Credit reporting or other personal consumer reports

I looked on my credit report back in XX/XX/XXXX and seen I had XXXX inquiries ( XXXX from XXXX  XXXX, XXXX from XXXX XXXX, XXXX from XXXX  XXXX, and XXXX from XXXX XXXX ) that I had know knowledge of. I sent letter to Transunion disputing the inquiries ( see attachment ) I sent my License and social security card. They told me that they will remove the inquiries when I called on the phone but the inquiries are still reporting. Under consumer law 15 USC 1681 b permissible purpose this is violating the law reporting inaccurate information and after I disputed.
Product: Mortgage

I received a letter ( XX/XX/XXXX ) stating my escrow balance was low and had 2 options. Pay XXXX and have a new monthly payment of {$3100.00} or pay nothing and have a payment of {$3200.00}. I chose to pay the {$790.00} and started sending {$3100.00} every month. 
The {$790.00} was misapplied toward principal and that's when this started. Upon seeing this and the late charge I called the company and was assured. The late charge would be reversed and to keep sending {$3100.00}, which I have been doing. 
But it never gets fixed, meanwhile late charges keep accruing. 
XXXX Called was told the {$790.00} will be applied correctly and late fees will be waived XXXX called and spoke to supervisor XXXX ( # XXXX ) confirmed my new balance and waived late fees. She did finally fix the XX/XX/XXXX called XXXX ( # XXXX ) Same assurances. I even paid {$67.00} to square my account. I regret doing this and think it should be refunded. 
XXXX XXXX ( # XXXX ) Saw XXXX payment was misapplied and promised to fix XX/XX/XXXX - XXXX Said the late fees will be reversed and my XXXX payment would be all set. 

But it is never all set. The late fees keep piling on and my account is never corrected. I've been led on and they won't fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've both called and sent letters to all 3 credit reporting services ( XXXX, Transunion, and XXXX  ). I asked if all 3 companies can remove an account off my credit report that was not mines. I never received a response and its been 68 days. I ask if this account be removed ASAP. 

XXXX Status : Closed Date : XX/XX/2018 Price : {$1500.00}
Product: Bank account or service

Re the Wells Fargo bogus account issues : I found my name on the " unclaimed money '' list. I had closed accounts at Wells Fargo some time before, and so far as I knew, got all my money. The money I got back through this apparently was from Wells Fargo. They had made no effort to contact me about this money, which should have been easy, since I have not moved. I suspect this was money that had been put in XXXX of the bogus accounts and then declared unclaimed. I suggest that there should be some outreach related to this issue so others who have or have had money at Wells Fargo check these lists in case this was a widespread practice. I think this should be part of your investigation ( or whoever is investigating Wells Fargo ), as I have not seen it mentioned anywhere.
Product: Credit reporting or other personal consumer reports

I applied to ride share service XXXX and XXXX. XXXX approved my background and XXXX is denying the exact background which is unfair. They have no live team support to review background checks its automatically denied if something reports as consider even if its past 7 year FCRA that prohibits companies from reporting certain types of information thats older than 7 years. The ride share service Lyft and background check company CheckR are conspiring against my rights. I tried to dispute but its not prolly set up for disputes for the not following legal regulations surrounding fair credit act thats in place for for fair opportunity of employment. This is the second company Ive been denied due to checkr going against FRCA regulations for employment.
Product: Debt collection

XXXX XXXX XXXX has an item on my credit reports opened XX/XX/2015 showing original creditor as XXXX and a balance of {$270.00} I recognize the name XXXX but have no knowledge of this debt or this company. I have had no communication from either in regards to the alleged debt. Considering all the complaints and lawsuits they are involved in In my mind it is either a mistake or fraudulently placed. XXXX on XXXX, XXXX legal issues on XXXX some XXXX on here under their various names.
Product: Credit reporting 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. 

These Accounts include, ( XXXX XXXX partial account number # XXXX... 
balance of {$910.00}. 
Address ID : XXXX XXXX XXXX XXXX XXXX XXXX account number # XXXX Balance of {$200.00} accrued during XXXX. Paid off. Want removed. 

XXXXXXXX XXXX XXXX  XXXX Account Number # XXXX .... 
Balance of {$1900.00} Written Off. Balance Accumulated during XXXX. Being XXXX led to late payments and closure. 

XXXX XXXXXXXX XXXX Partial Account Number # XXXX .... 
This account is scheduled to continue until the year XXXX. Listed as closed and never late payment although there is a balance of {$2200.00} Would like for all or some above to be removed to better ensure the privacy of my information and credit ) which has has violated my rights. 

15 U.S.C. 1681 Section 502 A mentions 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 an account without my written instructions. 

15 U.S.C 1681c ( A ) ( 5 ) Section mentions no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes which antedates the report by seven years or more.

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

My criminal report started with the legal system wrongly framing me for a charge I did not commit in the county of XXXX XXXX XXXX XXXX which put me in the system where I later was in fact in trouble due to living situations after first initial charge. I will attach the hard inquires that have impacted my privacy and Credit as well that I would like condensed to one inquiry or removed as a whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

During Covid-19, I set up payment arrangements with Santander at the end of my loan for the fees at the end of my account. I was told that when I would pay a certain amount my account would be brought current. However this was not reflected on my credit reporting. My credit reporting showed a 30,60, 90 day lates for XXXX, XXXX, and XXXX Santander reviewed calls and agreed that the information would be corrected due to the payment arrangements set up as part of the Cares act! Santander fixed inaccurate reporting for two bureaus but failed to complete it at XXXX! Ive called for months and havw been told it would update at the end of the credit cycle every month! This has not Happened and ive call Santander every day since and there has been nothing done! This impacts my ability to secure funding and has negative repercussions for me despite Santanders promise it would be corrected.
Product: Bank account or service

My sister has removed money from her N.F.C.U. account without her permission or mine. I was wondering why they can not put a hold on the account where she put the money and to take LARGE sums of money without check with me or my mother?? She has removed about {$72000.00} from my mom 's accout without permission and they are saying she has the legal right!!! I will sign any papers you wish to check her accounts like a lawyer would make me sign to check accounts!!
Product: Credit reporting

An identity thief fraudulently opened an XXXX XXXX credit card account in my name. {$10000.00} was charged to the card with no payments. I noticed via review of my Equifax report ; I contacted XXXX XXXX, filed a report with the FTC and a police report, and disputed the account on the Equifax report. Equifax denied the dispute.
Product: Checking or savings account

I am not filing a complaint against the merchant, I am filing a complaint against Capital One Bank ; Over a short period, I have paid the merchant a total of {$1100.00} to repair the engine in my vehicle, on XXXXthe merchant recieved 2 payments for {$120.00} and {$20.00}, XX/XX/2021 {$29.00} and {$42.00}, XX/XX/2021 {$400.00}, XX/XX/2021 {$300.00} and {$25.00} XX/XX/2021 {$35.00}, XX/XX/2021 {$120.00} and the last payment on XX/XX/2021 for {$45.00}. Upon getting my car back, it was worst than before ; Ive discovered my electrical system was all screwed up ; when Ive questioned the mechanic about repairs he stated the car already had electrical issues, but Ive. Ever experienced electrical issues prior to bringing him my car, Ive came to the conclusion the mechanic tampering with system is a money making tactic he use to get over his customers, especially with women. He wanted more money to repair electrical issues, but Ive declined additional service, and told him I will take car to commercialized establishment and have car inspected and that all I wanted was a refund for devices not rendered because my engine was still smoking in addition to electrical issues, he stated he will issue refund for trouble, but I have never redo it as of yet, by the time Ive attempted to request refund on XXXX XXXX he deactivated account, Ive attempted to contact him via phone/text but his number was disconnected, on XX/XX/2021 Ive called my bank ( Capital One Bank ) to explain situation and dispute transactions, the customer service agent that my refund would be issued within 10days after review ; shortly after Ive recieved and email stating they were working on my claim for the amount of of {$1300.00} which were a little more than what I have reported claim # XXXX they stated they will contact me shortly after review ; Almost a whole month has passed and still I have not heard back about my claim. On XX/XX/2021 Ive called Capiital One Bank to check on status of claim and I was told that my claim was denied due to not being able to contact merchant, Ive asked the agent, that could have been communicated through email, the. He apologize for inconvenience. I am very upset and frustrated with how the matter has been handled, due to fraudulent acts of the merchant and incompetence of Capiital One Bank ; I have lost over {$1000.00}, I wish to have my account credited for the inconvenience, I have been a loyal banker with Capiital one Bank for over 3 years now and they have not resolved my issue, I am very turned off from this bank, I am not pleased with the service ... .all I want is my money reimbursed back into my checking account, thank you for your time
Product: Credit card or prepaid card

Re : Bank of America XXXX XXXX XXXX XXXX, DE XXXX On XX/XX/XXXX, I notified BofA that I have not received statements for my credit card purchases for 2 months. On XX/XX/XXXX I received the bill for the period XX/XX/XXXX XX/XX/XXXX, with a due date of XX/XX/XXXX. I paid the new balance of {$640.00}, which is payment in full for this period. 

Now it is a month later, and I have still not received any statements for any period beyond XX/XX/XXXX. Now on XX/XX/XXXX I am writing a third letter requesting timely transmittals of the statement for this credit card account. I can not make payments on time if I do not receive statements.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX  : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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, credit repair services, or other personal consumer reports

Evergreen Professional : XXXX I have paid this debt & it is still reporting and updating on my credit file with a balance. This needs to be removed from my credit file immediately. I no longer owe this debt.
Product: Credit card or prepaid card

Had problem with a merchant. Filed a dispute with XXXX XXXX on XX/XX/XXXX after attempting to solve with merchant 3 times. 
Was told repeatedly that claim was solved in my favor by XXXX reps and a supervisor in XX/XX/XXXX. I have been told a different scenario almost each and every call I have made. I am told " '' '' rep didn't document call for XXXX mins '' " we do not know why claim agent did not call '' " we will put in another request for them to call '' " we have no record of that '' etc etc. 
As a matter of fact the charge of XXXX has been added and removed XXXX separate times. 
Now the charge was reversed again on XX/XX/XXXX and after faxing the entire story yet again on XX/XX/XXXX I was denied an appeal. I have called several times over this. All calls have been documented by the main US Bank. They have had me wait to talk to a case XXXX XXXX separate times ( they never call in XXXX hour period as you are told ) I have to call again and again. Now I'm being told there is no one to take my call directly for the claim. I am awaiting call records from bank to show all the calls I have needed to make to this department. And now they are denying me an appeal even though I have submitted more documentation within the 10 day appeal period. They claim since I paid for service I can not dispute it saying their hands are tied. But my issue is with a rental company that takes payment upfront. This was all stated to them many times verbally and in writing. Vehicle was mechanically broken, I was denied another functioning vehicle from the XXXX XXXX and falls under customer goods and services " NOT AS RECEIVED '' rule which they are fully ignoring.
Product: Debt collection

I have not received any clear documentation or notification from the original lender, confirming the sale or transfer of the debt. Despite this, the debt collector has contacted me regarding payment and has also reported the debt to the credit bureaus, negatively impacting my credit score. 

I requested validation of the debt from the collection agency, but they have not provided proper proof of ownership of the debt or details about how the balance was calculated. I do not believe I should be held responsible for this debt, as I do not have a direct contractual agreement with the debt collector. 

I am requesting that the CFPB investigate whether the debt collector has followed proper procedures under the Fair Debt Collection Practices Act ( FDCPA ) and ensure that the debt collector provides proper validation of the debt. If they are unable to provide sufficient documentation, I request that the debt be removed from my credit report.
Product: Checking or savings account

XX/XX/2023 at about XXXX o 'clock in the morning to 7387 Day XXXX XXXX XXXX XXXX XXXX. Bank of America XXXX XXXX XXXX XXXX. 1 To make out a cash check for {$250.00}. 2. I deposited {$5200.00} in cash and got the receipt of {$5200.00} issued by Teller when I saw that the money counting machine was finished. I was sure that it was correct and then I left. In addition, I had worked hard to earn the money, and Teller did not see XXXX dollars of it at a single word. I could not believe it and could not accept it.I can provide more evidence, but no one at the bank communicated with me. I called the police, all the customer service numbers of Bank of America.I can't find their manager. I need my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This past  XX/XX/XXXX  I ordered a credit score from Experian for a cost of {$4.00}. Almost a month later (  XX/XX/XXXX ) they charged another {$19.00} without my approval.I tried calling Experian but they refused to give me an answer of why they kept charging my credit card.
Product: Debt collection

I got a call from this company and I answered. No response. I call again and some talks to me about some loan I took out. I deny. He gives out my address talking about how they sent correspondence. They haven't. They say they will continue to call me. I never took out some loan with themXXXX is their number.
Product: Debt collection

This " debt '' came from an inaccuracy in insurance information 4 years ago, which was handled and paid by insurance. It showed that no insurance was available which was a mistake. This account has now gone through several debt collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry from onemein financial that I didnt make
Product: Vehicle loan or lease

I signed the deal on my car on XX/XX/XXXX. Apparently per the documents I signed the Ist payment was due on XX/XX/XXXX. However, I have yet to receive copies of the documents I signed. I called the dealer and was told that the deal just funded yesterday XX/XX/XXXX. How is it possible to be required to make a payment on a deal that did not fund yet. Furthermore I was told by the lender that I signed documentation agreeing to a {$8.00} or more a day interest charge on late payments that will be added to my loan along with a 5 % late fee. How is that legal? I had no idea the documents I signed contained such information. I asked the lender if I could cancel so to speak and was told that I could not. I called the dealership for a few different reasons. They just keep telling me that the signed documents will be mailed to me. Also the salesman promised me a full tank of gas and a detail on my car if I went online and gave a good review so I did that and now the dealer is telling me that they can not honor that because the salesman is no longer there. That is very bad business in my book. Is there anything I can do? Do I have any rights that were violated in this transaction?
Product: Checking or savings account

I have a personal checking account and a business checking account tied together, my business checking account has the largest funds and transfer money into my personal checking when needed almost like a direct deposit. 

Chase approved an ACH transaction from XXXX XXXX of {$20.00} and charged me a {$34.00} late fee, I spoke with a representative last time who said this wouldnt occur again as they would decline the transactions. 

Instead I was charged and was unable to have the NSF charges reversed, Ive been banking with chase for ages and have 3 accounts. 

I pay monthly service fees on all accounts and dont complain whatsoever because Im not supposed to be charged.
Product: Debt collection

I'm submitting a complaint against Sequium Asset Solutions or XXXX XXXX XXXX, XXXX for not contacting me and providing the validation letter from the alleged creditor. It's been 15 days later, and I still have not received the following documents : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. 

Proof of unbroken chain of title from ( XXXX XXXX  ) to ( Sequium Asset Solutions or XXXX XXXX XXXX. ) authorizing ( Sequium Asset Solutions or XXXX XXXX XXXX. ) to collect alleged debt. 

If debt was purchased from ( XXXX XXXX ) by ( Sequium Asset Solutions or XXXX XXXX XXXX ) provide proof of purchase and the amount that was paid. 

Show me that you are licensed to collect in my state, and provide licensed number if you are. 

I have yet to receive the requested information.
Product: Credit reporting or other personal consumer reports

UPON MY PULLING MY THREE CREDIT REPORTS, NAMELY XXXX, XXXX AND TRANSUNION I NOTICE SOME FRADULENT ACCOUBTS ON MY CREDIT REPORTS.
Product: Checking or savings account

On XX/XX/ 2019 we submitted a formal request for a trustee to trustee IRA transfer of approximately $ XXXX to Pentagon Federal Credit Union ( PenFed ) at the XX/XX/XXXX maturity of a five year certificate of deposit.. On XX/XX/XXXX we contacted PenFed inquiring why the funds had not been transferred and were still sitting in non-interest bearing share savings account. We were told that they found the transfer request and would process it. As of today. XX/XX/XXXX the funds have not been deposited with the new trustee, XXXX XXXX, although the PenFed savings share account shows a XXXX balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX usage - % credit usage unavailable Balance - Balance updated- Credit limit {$250.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/2020 Account type Secured Card Payment summary XXXX XXXXXXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - Status Paid, Closed/Never late. 
Status updated XX/XX/2020 Highest balance $ XXXX Monthly payment - Last payment dateXXXX XXXX XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items off my credit report with no response over 60days ago. Iwas XXXX when these things occured on my credit report. i sent letter stating that. 


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

On XX/XX/2021 I pulled my credit report and there was a debt collection agency by the name of Caine and Weiner asking for the amount of XXXX. I have never done any business with this company. I sent the company a letter dated XX/XX/2021 to ask them to valid or verify that this debt is mine. The company sent me a final bill from an insurance company with an amount owed of XXXX, The company did not verify with a signed contract, with a list of services that I was contracted with them. The company also did an hard inquiry with my authorization and inaccurate information is being reported on all three of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$420.00} XXXX/XXXX   XXXX {$700.00} XXXX/XXXX XXXX {$450.00} XXXX/XXXX XXXX {$520.00} XXXX/XXXX   XXXX