23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 convictions 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: Mortgage

Started the refinance process with Rocket mortgage in XXXX. They stated that it shouldn't take longer than XXXX. All the documents requested were received but do to the lack of knowledge of the loan processor and diligent processing of the application time expired. It's XXXX and now we will have to reapply and credit will be pulled again and another inquiry will be placed on my credit.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/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 CREDIT/XXXX XXXX XX/XX/XXXX XXXX CREDIT 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

XX/XX/year> letters was sent to Equifax asking for proof that this account belongs to me. I don't know this company and has never opened an account with them. 

XXXX XXXX XXXX in the amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to correct inaccurate public record with them. 
They claim Bankruptcy is being reported as accurate by XXXX XXXX. 
On XX/XX/2021 XXXX XXXX has fixed issue and deleted public record of Bankruptcy on my report. 
I have sent in copy of deletion to Experian and proving it was inaccurate and they have deleted it from there file. 
Experian has refused to correct my file and has claimed it is being verified as accurate. 
No other credit reporting agency has this on my file and Experian has refused to stop reporting inaccurate information.
Product: Debt collection

3 years ago this company kept calling.. looking for a XXXX XXXX XXXX I told them they had the wrong number. 
In the last 30 days they call a minimum of 3 times per day. 
My VOICEMAIL clearly states my name ( its not remotely close to XXXX XXXX XXXX. I have recorded their communications and call logs.
Product: Consumer Loan

I MADE A COMPLAINT TO CADOI BELOW. I HAVE ALREADY PAID MY INSURANCE PREMIUM IN FULL WITH {$110.00} OUTSTANDING OVERPAID I WANT CREDITED FOR XX/XX/XXXX PAYMENT AND THE INSURANCE PREMIUM TO BE REMOVED FROM MY ACCOUNT. YOU MAY HAVE TO DO ACCOUNTING ADJUSTMENTS. A COPY OF THIS COMPLAINT WILL BE FORWARDED TO CONSUMER FINANCIAL PROTECTION BUREAU. 

WELLS FARGO DEALER SERVICES ARE BILLING ME IN USURY ( OVERBILLING ME ) FOR CAR INSURANCE ATTACHED TO MY CAR PAYMENT EACH MONTH. THE COMPANY XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX, CA XXXX POLICY NO XXXX. PHONE NUMBER XXXX. MY INSURANCE STARTED XX/XX/XXXX. I WAS BILLED {$94.00} A MONTH UNTIL XXXX XXXX WHEN I WAS BILLED {$140.00} A MONTH. THEREFORE I PAID {$94.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX {$140.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I PAID {$140.00} A MONTH. I PAID {$1100.00} IN TOTAL THAT WELLS FARGO IS CHARGING ME MONTHLY TO PLACE INSURANCE MONEY IN THEIR REVENUE ACCOUNT WHEN I HAVE ALREADY PAID MY FULL PREMIUM. I HAVE OVERPAID BY {$110.00}. THIS {$110.00} I ASK TO BE CREDITED TO MY PAYMENT FOR XXXX XXXX. WFDS IS CAHRGING ME {$370.00} FOR XX/XX/XXXX WHICH WOULD MAKE ME OVERPAID BY {$280.00}. PLEASE ADDRESS THIS ASAP. I AM REPORTING THIS TO THE CFPB. 
Fw : XXXX XXXX ACCT XXXX WFDS RE XXXX XXXX XXXX CALIFORNIA DEPARTMENT OF INSURANCE COMPLAINT XXXX XXXX XXXX Reply| Today XXXX XXXXXXXXXXXX Sent Items This message was sent with high importance. 
WELLSFARGOINSURANCECAR XXXX XXXX WELLSFARGOINSURANCECADOICOMPLAINTQBE.pdf XXXX XXXX attachments ( XXXX ) Download all Save all to OneDrive XXXX TO XXXX XXXX . 

**XXXXALL SEVEN PAYMENTS FOR INSURANCE WERE MADE SINCE XX/XX/XXXX. ***I AM REQUESTING AN ADJUSTMENT ON MY ACCOUNT. 

XXXX XXXX Payment History Help Print This Page End of HelpAndPrint Loan XXXX -- XXXX NISSAN SENTRA-XXXX CYL. 


Posting Dates XXXX/XXXX/XXXX ( MM/DD/YYYY ) to XXXX/XXXX/XXXX ( MM/DD/YYYY ) Invalid date range Transaction History ( Select a payment to view Transaction Detail ) Posting Date Effective Date Description Amount Principal Balance Next Due Date XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX*XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LATE CHARGE ADDED XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX*XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LATE CHARGE ADDED XXXX XXXX XXXX/XXXX/XXXX LATE CHARGE ADJUSTMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX*XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LATE CHARGE ADDED XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX STORE REGULAR PAYMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX MO DEFERMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX CORRECTION/ADJUSTMENT XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have noticed that my consumer report contains information that is a result of identity theft. I did not provide any written permission or instructions for the transactions to report on my consumer report. Therefore, pursuant to 15 USC 1681c-2 ( a ), I am requesting that the reporting of this information be blocked and deleted. This request to block is not being made in error and is not based on any material misrepresentation of fact by me that is relevant to this request. The identified transactions are not information related to any transaction by me as the consumer : Account Name- XXXX Account # - XXXX, Reported Balance- {$590.00}, Reported Date Opened- XX/XX/XXXX Account Name XXXX XXXX -, Account # - XXXX, Reported Balance- {$870.00}, Reported Date Opened- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I told Wells Fargo in 2017 that my identity was stolen and that the transactions were fraudulent. They closed my account and they took all my money in the account and my direct deposit, approximately {$600.00}, that was deposited into my account after the account was closed. They refused to give me my money back and submitted the account as a charge off with bad debt. Since 2017, they have been updating the account as a charge off every month and that is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulently by a scammer girl I met online. She opened the account without my knowledge and I tried to report identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX made two false reportings on XX/XX/2022 and XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax XXXX XXXX failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00}
Product: Credit card or prepaid card

On my Citi Double Cash Card ending in XXXX for billing period : XX/XX/22 to XX/XX/22 statement, I was charged on XX/XX/22 two interest fees of {$0.00} and {$14.00}. 

I called the credit card company and had them reversed. The agent was helpful and I am satisfied over all with the Citibank. 

What worries me and what my complaint is concerning is that when I asked the agent how and why the these charges appeared on my statement she said that I had received a phone call and accepted a special offer for a special interest rate on purchases. Neither my wife nor I received such a call and there is no reason to accept such a rate because we pay off the card each month. I am concerned that this is a way for Credit Card companies to obtain millions of dollars from consumers that may not examine their statements closely and never even get a " special rate call ''. I am alerting CFPB to see how often this is happening.
Product: Mortgage

In XXXX, I was a XXXX XXXX XXXX XXXX. My husband is a XXXX veteran who owns a small business. His small business was struggling due to Covid related economic issues. We reached out to Wells Fargo about suspending our mortgage payments for 6 months. They were very helpful and after 6 months they offered 6 more. At 12 months they offered 6 more and we declined. We resumed our normal payments. 9 months later, Wells Fargo decided to take our mortgage back to underwriting, stating we might not qualify for the same amount or interest rate. My husband was both very scared about losing our home and upset because we had already resumed payments at the full amount, and had never even been late. Two years later we are still dealing with Wells Fargo. We did everything they asked with underwriting. They change our interest rate. Very unfair. We just dealt with it and let it go until now. Now we are receiving letters stating because of us pausing our mortgage our escrow account is in the negative and we need to write them a check for {$12000.00}. We need help. I dont know what to do with them. They were supposed to help us during a global crisis and instead all they have done is cause us extra stress and burden.
Product: Vehicle loan or lease

I am interested in purchasing my XXXX leased vehicle and I feel I am being treated unfairly. 
I leased my XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX for a 36 month term. My Lease Agreement has a purchase option at the end of the lease term in the amount of {$22000.00} and a Purchase Option Fee of {$300.00} as stated in Section 6. Important Terms, of the Lease Agreement Details in Section 15 of the Lease Agreement further outline the terms of the Purchase Option as follows : You have the option to purchase this Vehicle AS IS from the originating dealer, or other location we specify, in case for the Purchase Option Price, plus any official fees and taxes, vehicle inspection costs required in connection with the purchase, and a Purchase Option Fee of {$300.00}. I understand that there will be other official fees such as Taxes and Registration etc. but on XX/XX/XXXX, my husband and I visited XXXX XXXX to Purchase my Vehicle. We met with the Finance Manager.

He presented us with a Purchase Option price of {$25000.00} not including official fees and taxes ( if applicable ) total buy out including taxes was quoted at {$28000.00}. When we told him that the Purchase Option price did not seem right, he angrily said This is NOT NEGOTIABLE and if you do not like it, you can leave now. We asked for a breakdown of the Purchase Option price. He gave us the following : {$22000.00} Purchase Option price {$300.00} - Buy Out Fee {$490.00} Early Termination Fee {$1900.00} Dealer Fees Plus Taxes When we questioned the Dealer Fees and pointed out that this is no where on the Lease Agreement, he got angry. I asked the finance manager to show us where this fee is located in my Lease Agreement. He referred to Section 6, and Section 15 as referenced above, which does not include a dealer fee of {$1900.00}. His explanation was that everybody has the right to make a profit. This goes on his police books and he has the right to charge whatever he wants. He continued to say that he can break it down however he wants and charge me whatever he wants and if we dont like it to go somewhere else. I continued to question this section and he became irate and asked us to leave.
Product: Debt collection

I have been paying Coast Professional INC {$100.00} a month for 7 years. Every 6 months they call me to get my authorization to continue to collect the $ XXXX monthly. When they called me two months ago in XX/XX/2019 I gave them my authorization but they needed me to repeat my checking account info of which they already had. I told them that if they called me when I got off at 6 I would provide them with it but they never called. I called them twice in the last two month with no call back from them. This past Friday XX/XX/19 they garnished {$300.00} with a total of {$600.00} per month although I was never in default with them and have paid on time every single month. I attempted reaching out to them XX/XX/19, XX/XX/19 and XX/XX/19 but was put on hold for 20 minutes then transferred to their voicemail. I have been in good standing and would like Coast Professional to do what it right, take ownership that they did not call back and let me continue to pay my student loans appropriately. I would also like to state that my balance has remained the same ( {$17000.00} ) for the entire deration of my time paying them. How can a persons loan never go down if they are paying {$100.00} every month?
Product: Credit card

I have multiple accounts with Citi, including regular credit cards and store specific cards. On XX/XX/XXXX I sent multiple checks via XXXXXXXX XXXX XXXX XXXX XXXX to Citi. Each check had the intended account in the memo line. The checks for my Citi credit card accounts were sent in one package and the check for my Best Buy Citi card was sent in a seperate package. On XX/XX/XXXX the payments were recieved and applied. However, 2 checks were applied to my Citi Simplicity account, one of which was intended for the Best Buy card, again, noted on the check. Each check was intended to pay the associated account in full. I was unsuccessful in efforts to resolve this, contacting both Citi and myBestBuy independantly. Even though Citi is the bank for Best Buy, they apparently opperate seperately. On XX/XX/XXXX I filed a Payment Dispute with myBestBuy which was later closed on XX/XX/XXXX without resolution. All the while, I sat with a balance of ( {$10000.00} ) on my Citi Simplicity card. On XX/XX/XXXX I sent yet another payment dispute to Citi. I never heard back from them in regards to the misallocation. On XX/XX/XXXX I got notice that a check was mailed to me, and on XX/XX/XXXX I finally recieved a check in the mail from Citi for the negative balance owed to me. However, I was hit with massive amounts of late fees and interest on myBestBuy card, showing a large past due balance on my credit reports. I was successfully able to resolve the interest and late fees with Best Buy and paid the account in full. However, as a result of the missalocation of my payment and lack of action on Citi to resolve this, my credit is severly impacted. During this period, I attempted to finance home improvement work and was turned down by that bank due to negative factors stemming from this Citi issue. I would like any negative credit impacts related to Citi and myBestBuy to be removed from my credit report so that this does not appear in any future credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE. REFER TO THE SAME ACCOUNT, XXXX  XXXX-XXXX  # XXXX SHOWING DELETED BY XXXX. PLEASE DELETE THIS IMMEDIATELY FROM YOUR DATABASE. 
PLEASE FOLLOW SUIT AND AMEND ACCOUNTS ON MY CREDIT FILE AS THEY WERE NEVER LATE. PLEASE REFER TO THE PAYMENT HISTORY FOR THE XXXX XXXX  AND THE XXXX XXXX XXXX  ACCOUNTS WHERE THERE ARE NO REPORTED LATE PAYMENT MONTHS. I NEED THESE AMENDED TO SHOW NEVER LATE IMMEDIATELY IN ORDER TO CLOSE MY ESCROW BY XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was paid and account is closed XX/XX/2019 and I have a paper from them stating Im at XXXX balance and I also have certified copies from the courts saying the judgement was settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting 5 late payments on my credit report when I have not had a late payment since BEFORE my bankruptcy was filed and discharged in 2017. Experian told me Barclays Card is reporting as delinquent and that is the source of the late payments. I have contacted Barclays who refuses to provide me any information other than that they say I owe them {$850.00} and that my account is listed as a collection account. I spoke with multiple service reps and all hung up on me and said they couldnt help me, that I needed to contact the credit collection company. So, I contacted XXXX XXXX who informed me that my account has been closed with their office since XX/XX/2017 and I needed to contact Barclays because THEY are the ones reporting inaccurately to the credit bureau. Barclays will not help me. This debt was discharged in Chapter XXXX bankruptcy in XX/XX/2017. I should not have any late payments on my credit report! Someone please help me deal with this horrible company!
Product: Money transfer, virtual currency, or money service

Thy have frozen our account multiple times. We've submitted required paperwork and they have un-frozen it, only to later freeze it again. They have pulled money from out bank account and continue to attempt to hit our bank account for charges even though we have told them to stop.
Product: Credit card

Opened my account in XX/XX/2016 to make a purchase that i was told was under the special promo where i do n't have to pay interest for 6 months. Before the purchase I spoke to walmart employee and then XXXX different customer support agents on the phone and was told that everything should be fine. My XX/XX/XXXX statement included an interest charge. I called customer service back and was told i was not a part of the promo because i did not qualify but would not give me a reason why. They gave me no solution and basically said i would have to pay interest going forward. I then paid off my entire account and cancelled my card because i was so upset.
Product: Credit card or prepaid card

Hello, I had to return a product for malfunction reasons back to Lowe 's home improvement store in XXXX, pa. I was credited back to my Lowe 's advantage credit card in the amount of $ XXXX. 
Balance was XXXX. Other credits were reversal of late fee of XXXX ; XXXX ; - XXXX ; my monthly payment of XXXX ; XXXX partial of warranty refunded in check form. I also made a XXXX payment in in which XXXX was applied to the returned items ( washer and dryer ) which total costs came to XXXX. 
I was due my refund of XXXX for my payment, my balance should not be XXXX. They are fraudulent in their added fees to defraud me as a customer of XXXX cash payment and the balance of warranty fees. after all my credits and payments my balance should only be XXXX.
Product: Debt collection

this year i checked informed by credit reporting application XXXX XXXX that a collection account was put my credit report that i did not open and has greatly affected my credit score and is now stopping me from obtaining suitable housing
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 reporting consumer rights to privacy and confidentiality under 15usc 1681, accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ma XXXX Accounts # XXXX Creditor reference number # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Az XXXX Also XXXX XXXX accounts # XXXX Accounts # XXXX Accounts # XXXX 15 u.s.c 1681 section 602 15 u.s.c 1681 section 604 Reporting agency can not furnish an account without my written authorization consent.

Also any negative items report on all my 3 credit bureau must be '' Deleted '' and removed from my credit report.

Sincerely; thanks I appreciate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2022 Date that I discovered it : Total fraudulent amount : {$51000.00} XXXX XXXX Account Number : XXXXXXXXXXXXXXXX Date fraud began : XX/XX/2022 Date that I discovered it : Total fraudulent amount : {$500.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I have a hard inquiry on all three of my personal credit reports that was nor authorized by me and is clearly fraudulent. The company name is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. In my personal statement included in my credit report, it clearly states that I am a victim of identity theft and that I am to be contacted personally before any activity of any kind takes place including my personal credit being accessed. My credit report has been placed under a credit freeze for this exact reason. I never have done any business with this company of any kind. This is clearly fraud.
Product: Debt collection

Discovered a Collection entry on my credit report for National Recovery Agency. I Have never received any communications from this company and don't understand why they submitted a collection entry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ARS account resolution, And XXXX XXXX haven't provided me the documents that i asked them to provide to me, I've read that there is a total of 15 days for them to provide me the information, And it's been more than 15 days.