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

Hard inquiries were taken by these credit companies that were not authorized by me and they need to be removed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Public record information on file at XXXX XXXX Risk Solutions was utilized for this inquiry. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX FL, XXXX XXXX, NY XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX # XXXX, XXXX XXXX, TX XXXX Phone Number : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX BANK ; XXXX XXXX XXXX, XXXX, MI XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX BANK ; XXXX XXXX XXXX, XXXX, LA XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX # XXXX, XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX BANK ; XXXX XXXX XXXX, XXXX, MI XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX # XXXX, XXXX XXXX, TX XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX FLXXXX XXXX XXXX XXXX XXXXXXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN ; XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, VA XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX
Product: Checking or savings account

My chase checking account ending in XXXX, was compromised and a fraudulent check was deposited in my name causing me to end up in early warning services. I've sent out a dispute letter to the agency regarding the issue and nothing was resolved. I also filed an identity theft form as this is a serious issue that needs to be fixed asap.
Product: Credit card

On XX/XX/2023, I took a taxi from XXXX XXXX XXXX XXXX to the XXXX XXXX XXXX. This ride normally takes 30-40 minutes and should not cost more than {$100.00}. The driver told me the ride would cost around {$90.00}. After we pulled up to the hotel I inserted my Chase sapphire reserve card in the drivers credit card machine. I was told it would still be {$90.00}. Since I was eager to get out of the car, I forgot to get a receipt or invoice. Once inside the hotel, I checked my statement and saw a charge for {$980.00} USD. I reported it to chase immediately as fraud. On XX/XX/XXXX, Chase told me they contacted the merchant and they said he was able to provide an invoice. I explained to the Chase representative how could a 30 minute taxi ride cost {$980.00}. I then looked at the " invoice '' supplied by the merchant and there is no list of goods or services provided, no date, or even a pickup and dropoff location. It is just a picture of a computer screen with a charge on it. This supposed merchant clearly produced a fake invoice to satisfy Chase. I will be calling the hotel to retrieve security footage to prove I was dropped off in a taxi and was not purchasing anything else.
Product: Credit card

Around XX/XX/year>, I tried to use my credit card, but it was declined, and upon checking my online account, the credit card account was closed without any advance notification nor alerts. So I called the customer service to understand why my credit card account was closed suddenly because I had never missed the credit card payment balance nor I had any derogatory activity on my credit reports. I had always paid on time and many times, I paid off full credit card balance as I managed my credit card account very responsibly. 

However after all the attemps, Wells Fargo credit card customer service representatives were useless as they did not know why my account was closed, so I asked them to transfer me to a higher management, and even higher management team was not able to tell why my account was closed and asked me to wait for a letter explaining the reason. 

So I waited for a week, and finally received the attached letter indicating that " based on how [ I ] managed [ my ] account, iit has been deemed high risk and [ Wells Fargo ] mad a business decision to end the account relationship. '' I was thinking how in the world they determined how I manged my credit card account was " high risk? '' I never missed payment. I always paid the credit card account balance on time even in way advance from the due date or even before the billing periods were closed. I tried to figure this out with the customer service, but they were not able to help me to understand this statement. They kept saying per agreement, they could close account at any time at any reason and I signed up for it, but I kept saying it's too unfair because Wells Fargo forfeited the credit card rewards, but they could not help. 

So I explained that " high risk '' because I made too much rewards, and Wells Fargo unilaterally close the account to effectively stole my valid credit card reward amount without notifying the customer in advance nor without giving any reward redemption period? This got to be illegal doing this. This seems to be a modern theif by financial institutions like Wells Fargo.

Without any helps from Wells Fargo " customer service '' I have to rely on either State Attoney 's General office and/or this Consumer Financial Protection Bureau to get to the bottom of this and get my credit card reward balance back. 

Thank you.
Product: Debt collection

I HAVE KNOW KNOWLEDGE OF THIS ACCOUNT. AS I RECIVED A ALRTS ON MY XXXX XXXX THAT I HAVE AN AMOUNT IN COLLECTION SAYING I OWE XXXX. 
Overview You have 100 % left to pay on this collection. 

Balance {$910.00} Highest Balance {$910.00} Opened XXXX. XXXX, 2021 ( 4 mos ) Account status Open Type Collection Account Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX Closed No Info See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information MIDLAND CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a personal loan from XXXX XXXX XXXXXXXX i paid it off 3 years early and closed account last year, yet they continue to falsely report i have a open account with a massive balance all FALSE AND FRAUD, today when i spoke to a service rep. she admitted they are trained to mislead, delay, make false statements, as if customers like me pay off early the company loses % % % funds. 

She admitted they have been lying and filing false information to all the credit reporting agencies. I have complained to them several times and was told i need to file with your agency
Product: Checking or savings account

Wells Fargo bank skimmed {$160.00} off my account by debiting my account for the same check twice. On XX/XX/2018 two debits were made to my account. One was for Check # XXXX in the amount of {$160.00}. The other debit was a " Check '' without a check number and for the same amount. When I called Wells Fargo Bank they were unable to provide me any information about this check and said the check number was read by their system as XXXX. I'm unable to see a copy of this check online or get a copy from the bank. This is yet another example of Wells Fargo Bank continuing to act unethically and still from us. We have had multiple claims against WFB and one of them was for skimming which WFB was forced to compensate us.
Product: Debt collection

I became a victim of ID theft in XXXX and in XXXX I was informed by the IRS that someone had filed my income tax return using my personal details and when i had my XXXX report pulled because i am trying to purchase my XXXX home. I was subsequently informed that I had a large amount of debts in collection. I requested my free reports and found that I have ( XXXX ) medical entries that do not belong to me. i contacted the ( XXXX ) bureaus and informed them that i wanted to file a dispute ; immediately I contacted the debt holders and informed them that i was a victim of ID theft and I needed them to send me written validation of the account and information detail where and how the account was opened. All that has transpired since my initial contact since XXXX from my efforts was a security alert being placed on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX .... 
XXXX XXXX XXXX  # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX .... 
XXXX XXXX # XXXX .... 
XXXX # XXXX inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting an account transaction on my credit report that I have no knowledge of. I have never done any business with the company and have never provided any written consent for the company to utilize my personal and financial information. The companies actions have hindered my access to credit and has affected my household finances. 

TRANS UNION is supposed to have reasonable procedures in place to make sure I am never affected by these unauthorized practices. My credit report is never supposed to be compromised.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint i filed last 15 days ago, My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove this from any affiliation with me immediately. 


XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXXXXXX XXXX  XXXX XXXX Owed : {$680.00} XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Owed : {$680.00} XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX  XX/XX/year> XXXXXXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I paid off my XXXX XXXXXXXX on XX/XX/XXXX of XXXX. On XX/XX/XXXX I received an email from XXXX  around XXXX stating they needed to receive a payment of {$1100.00} before XXXX XXXX XXXX  or they would report a 30 day late to my credit report. 

On XX/XX/ around XXXX XXXX I received an email from XXXX stating thank you for your payment of {$57000.00} which was made on XXXX XXXX XXXX 

Since my payment was received prior to XX/XX/XXXX no delinquency should have been reported per their email. Attached please find both emails.
Product: Credit reporting or other personal consumer reports

These items have been paid in full and are reporting to my credit report when they are supposed to be permanently deleted and removed from my credit report.

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. ) XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX  ACCT # XXXX XXXX. ) XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX ACCT # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect to include their verbal agreement to remove these items. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Credit reporting or other personal consumer reports

Called to get my information updated and was not successful. I spoke with a angency from experian and they stated this would be corrected. But has not done so Also my information tht is reported is causing me not to have fair credit as a right I should have all banks and lenders have denied me Ucc 15 1692a
Product: Credit reporting

Hi, I 'm having problems with my credit report. Some or my information that appear on XXXX is incorrect specially about my employment status! It says that there is no employment reported about you. Anyway, I 'm having about XXXX inquiries that belongs to my social security report as I had applied for many credit reports and that 's all incorrect. All what i applied for was XXXX XXXX credit card on 2013. Please Help me.
Product: Mortgage

I have a Mortgage with Caliber Home Loans I had numerous unsuccessful attempts at a loan modification, I was turned down again and a NOD was filed on my house. 
I called the bank and want to do a repayment plan with a substantial downpayment and I asked for 12 months to repay the balance I called many times to set up a repayment plan. each time getting a different : '' point of contact specialist '' Most of them were very inexperienced and gave me wrong information. I called with my lawyer on a conference call and got yet another inexperienced " point of contact person '' She put down numbers and submitted them for approval for a 12 month repayment plan ... well, she did n't have her numbers correct and she did n't account for money that was in the account for unapplied payments. causing me to be approved for a huge unaffordable monthly payment of almost {$10000.00}. When I called in to have this corrected, the first person I got was a trainee who did n't know what to do and then I got her trainer who too had wromg info and numbers.. Also, each person I talk to adds more fees on to the total. 
The bank is trying to charge me for late fees that were included in the total due. This means that I will be paying late fees twice for each month or double late fees. 
Also, I was OVERCHARGED from my XX/XX/XXXX statement to XX/XX/XXXX statement. by {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$390000.00}
Product: Debt collection

re :  XXXX  How can u closed this complaint when is  OBVIOUSLY  not resolved?????
Product: Student loan

My loans were sold off to navient through American education services since then the payments have been extremely high. I was suppose to be paid off inn6 more years upon taking them out with XXXX  now Navient tells me I wont be paid off until age XXXX and puts forebearance and sometimes offers a program which you have to constantly apply for every 6 months and beg for approval tge payments went up to {$1000.00} a month no way can I ever afford that. Wondering if Im eligible to enter for the navient lawsuit. I saw the complaint filed that navient will be issuing checks to pay off loans hope praying Im one of them
Product: Debt collection

On XX/XX/XXXX as a consumer, I filed a rental application with XXXX XXXX in XXXX Ga. The application fee of {$150.00} was paid in full. I never moved in the apartment. In XX/XX/XXXX a collections account appeared on my credit report from National Credit Systems representing XXXX XXXX. As a consumer, I was in the process of finalizing a mortgage loan and a career advancement opportunity with an executive search firm. Due to the gross negligence of National Credit Systems and XXXX Apartments, my immediate credit score plummeted in excess of 100 points in mid review. It irreparably damaged my relationship with the financial institution and caused professional embarrassment with the executive search firm. My credibility was assailed. 
I contacted National Credit Systems and asked them to remove the collections report due to the gross error on their part after providing them with proof of their error. They refused to remove the derogatory entry from my report.
Product: Checking or savings account

I contacted chase bank regarding a disputing charge, they asked me to give the company couple to days to see if i can resolve the issue, however i waited about a week and the problem wasn't resolved then chase was contacted and first they disputed the whole amount and asked me to wait 24hrs until it reflects on the account and at first it did then in about 4 days they reversed the money out with out notification or notices leaving my checking account negative balance and when i called they claimed that it passed the disputing period which was 60. if chase initially disputed the charge it would of been within the disputing period but they decided to waste time knowing that the disputing period was going to be over.
Product: Student loan

I refinanced my student loans through Citizens Bank. When I refinanced, Citizens Bank had a promotion where they offered a {$1000.00} XXXX gift card to anyone who refinanced at least {$50000.00} between XX/XX/XXXX, XXXX and XX/XX/XXXX. According to the offer document, the gift card was to be " delivered to the borrower via email within 60 days of the loan disbursement date. '' ( see attached promotion offer document ) My refinancing note was executed on XX/XX/XXXX ( see attached statement reflecting date of note execution ), and the loan was disbursed on XX/XX/XXXX ( see attached statement reflecting disbursement date ). The note was for more than {$50000.00} ( see attached promissory note ). I am therefore eligible for the promotion, as Citizens Bank has admitted. Despite being eligible, I did not receive the gift card within the required 60 days -- which was XX/XX/XXXX. I called Citizens Bank ( several times ), and spoke to XXXX from the Priority Assistance team ( phone : XXXX ) and she confirmed that I am eligible for the promotion, but because my application was not initially flagged as eligible ( an error on Citizen Bank 's part ), they would not send me the gift card until 60 days after they corrected their error -- meaning until early XXXX -- approximately 4 months after disbursement. 

I explained to XXXX that Citizens Bank was in violation of the terms of the promotion, which required the gift card to be delivered within 60 days of disbursement, but I was told nothing could be done to expedite the process. I asked for the issue to be elevated to higher management but was told nothing could be done. I explained that I planned to file a complaint with the CFPB. 

The {$1000.00} gift card was the primary reason I decided to refinance my student loans with Citizens Bank. I would not have refinanced with Citizens Bank if I had known there would be a four-month delay in receiving the gift card, and there were several other options that I considered, including not refinancing at all. The delay is receiving the gift card has harmed me because I planned to buy a new cell phone in early XXXX using the gift card, and I need a new phone for my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I submitted a complaint with the CFPB about a dispute I filed with Equifax on XX/XX/20 in regards to fdcpa violations on my credit report and Equifax has not responded or remedied the situation. Congress states under 15 U.S. Code 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

This account is ruining my reputation and it is also defamation of my character.
Product: Credit reporting or other personal consumer reports

I have no knowledge to how these cards were open. I just recently filed XXXX  XXXX Bankruptcy and now I have credit cards OVERDUE on my credit report
Product: Checking or savings account

I opened a checking and savings account with Discover Bank at the beginning of XX/XX/2022. A week later after I opened the accounts ( around XX/XX/XXXX ), I receive an email saying my account was closed due to a business decision so I then tried to login to the app and website and got an error message saying that the accounts were suspended and I needed to call their Discover Bank phone line. I did that, and they told me that I needed to wait a full 60 days from the date that the account was closed before they could begin processing a check so I did that. It is now Friday, XX/XX/XXXX and I called them back and turns out they can not process my check until they verify my identity by me uploading an image of my drivers license to their online file service. I did this, but it seems like every time I call them I get different answers on how long to wait, what needs to be done, etc and I just would like my money back soon because I am currently broke and depend on that money.