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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj SSN:XXXX To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name XXXX XXXX XXXX XXXX XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX isnt giving theaccurate reporting on my credit report.Besides they two accounts that has been closed for XXXX months or more still on my credit report.And when I make a payment they report the Pervious account that I owed.In other words my account doesnt increase.
Product: Checking or savings account

Wells Fargo has allowed my bank account to be tampered with by way of address changes and movement between XXXX bank accounts to include XXXX wire transfers totaling {$44000.00}, all in the matter of hours. They are stating that I am at fault when they can not show proof by the voice recording or any proven identification that I allowed these transactions. I have been disputing this since XX/XX/XXXX and they did not open a claim until XX/XX/XXXX. The fraud representative has accused me verbally of causing this fraud and was verbally abusive. The correspondences received from the dispute prove that Wells Fargo is not taking this matter seriously and they are continuing to base their findings on XXXX day and not the several in question. Wells Fargo charged my account XXXX for {$7000.00} following this incident and sent a check for {$1000.00} for pain and suffering after they admitted they were wrong. They then charged my bank account off while in the dispute, causing my business credit to drop immediately. The next XXXX days following they lowered my business credit card limits that I have had for over XXXX years stating my credit was at risk. The credit is at risk because of their negligence to take responsibility for allowing cash advances, transfers and wires that I did not authorize, nor were they verified. The XXXX office continues to not address the facts of this dispute. I have been a customer for over XXXX years and never requested a cash advance or a wire transfer. I have had to pay Wells Fargo {$7000.00}, plus all fraudulent cash advances and withdrawals just to keep my credit that was in good standing from dropping further than the XXXX points it dropped because of this. Not to mention that XXXX days before the fraud, I personally tried to transfer my money to another bank online and was sent a message that the amount was too much and I had to come in the branch, only to see that XXXX days later Wells Fargo allowed someone to move money and wire {$44000.00} with ease.
Product: Vehicle loan or lease

I took this loan XX/XX/2015. To bein with it is already predatory at 22.5 % interest over 6 years. But i did accept it. I negligently have not been monitoring my loan balance. I realized after 2 1/2 years I have paid {$310.00} of prinicpal. Based on the amoritzation schedule I should be around {$12000.00}. They say interest on late payments has accured. This was not disclosed or explained. Its insane! I am being robed.
Product: Student loan

2017 I was told to go into forbearance when I wanted to do income driven loan repayment.
Product: Debt collection

I was alerted to a collection on my credit report that states it is from an unpaid medical bill for {$60.00} that SCA Collections is trying to recover. I contacted SCA Collections this morning, they told me that they have sent a letter and tried to call but I did not receive anything. They told me the debt was originally from XXXX XXXX XXXX in XX/XX/2018 and I never received any services from them. This is a falsely reported debt and I need it removed from my report. I told them this information and they told me there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries below are still being reported on my credit report as of today, despite receiving a confirmation letter from Equifax on XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021, confirming that you have deleted these inquiries from my credit file. This is very disappointing to say the least. 

The Following Inquiries are Fraudulent : XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX SENDING MY IDENTIFICATION AND SOCIAL SECURITY TO SUPPORT MY DISPUTE
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Transunion : XXXX XXXX XXXX XXXX XXXX XXXX  Reporting XXXX different balances under CLOSED accounts - XXXX XXXX ( {$8900.00} ) XXXX XXXX {$12000.00} ) Should not be reporting XXXX different balances and its closed account. This needs be removed immediately. 

See attachments below
Product: Checking or savings account

Good afternoon. 

Opened a checking & savings account. 
Unfortunately did not receive the full bonus of {$600.00}. 
( Received only {$300.00} ). 
All requirements were met. 
Even called in to verify requirements and was assured.
Product: Credit card or prepaid card

I contacted XXXX to talk with TD card services. They could provide no information on a card, opened without my knowledge, without me giving them more personal information. I offered the card number and my name only. This conversation took place on XX/XX/2020 
I have not activated the card or used it. I believe the account is still open.
Product: Credit card

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ). Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card account opened at Capital One on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), and a personal loan account opened at XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) an apartment was leased at XXXX XXXX XXXX XXXX XXXX ) I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Cringnal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all '' of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer and Natural person have been violated by Transunion. I have disputed inquiries on my consumer report and it has been more than 30 days with no response. Transunion has used and furnished my consumer report without my written consent or verbal authorization. I have been denied credit due to their wilfull non compliance to accurately verify information before furnishing a report on my behalf. I have inquiries showing on my report that are not tied to any open accounts and/or any extensions of credit. These inquiries are damaging my consumer reputation. Before furnishing a report a Credit reporting agency shall follow reasonable procedures to assure XXXX possible accuracy of the information concerning the consumer the report relates to pursuant to 15 USC 1681e ( b ). transunion has failed to do this. According to section 604A ( 3 ) ( a ) there must be an extension of credit as well as the inquiry allowing for Permissible Purpose to keep and validate and report any inquiry on a consumer report. The following inquiries listed and dated attached to this complaint are not inquiries resulting from an extension of credit, nor any experiences or transactions I have authorized. I ask that transunion carefully review this information including my consumer report and delete these inquiries.
Product: Credit reporting or other personal consumer reports

Despite several complaints, Experian continues to downgrade my credit scores without valid explanation. I'm currently the holder of several credit cards with over {$62000.00} in lines of credit extended to me. My current usage is approximately {$2900.00}, which is less than 5 % of the credit card lines available to me. However, Experian today, downgraded my credit score from XXXX to XXXX, claiming high credit card usage. I've tried to contact them for an explanation but was unable to do so. Additionally, It seems that they've manipulated their system, making it very difficult to file an online complaint. 

I need to know how my numbers are being calculated by Experian. I am baffled by this consistent pressure that they're applying to me. I am tired of their bullying.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my consumer credit report. It has come to my attention that an account has been deleted from my report without my authorization or request. 
I recently reviewed my consumer credit report and noticed that the XXXX XXXX  has been deleted from my consumer credit report. I want to clarify that I did not initiate this deletion, nor did I provide any consent for such action. This unauthorized deletion has raised concerns and questions regarding the accuracy and integrity of my consumer credit report. 
As a responsible consumer, I understand the importance of maintaining accurate and up-to-date credit information. It is crucial for me to have a comprehensive and reliable consumer credit report to make informed financial decisions and ensure the accuracy of my creditworthiness. 



I kindly request that you investigate this matter promptly and provide me with a detailed explanation as to why this account was deleted without my consent. Additionally, I would appreciate it if you could reinstate the account on my consumer report until a thorough investigation is conducted. 



Furthermore, I would like to be informed of any steps taken to rectify this situation and prevent similar incidents from occurring in the future. It is essential that Equifax maintains the highest standards of accuracy and security when handling consumer credit information. 



I expect a prompt response within reasonable timeframe to address this matter and provide me with the necessary information. 



Thank you for your attention to this matter. I trust that you will handle this issue with the utmost professionalism and resolve it in a timely manner. I look forward to your prompt response.
Product: Checking or savings account

To Summarize what happened in Simplicity the DUA/PUA governmental payments that was made to my Chime bank account owned by the XXXX XXXX  on XXXX XXXX of 2020 MA DUA deposits {$7000.00} into my account money that is owed to me the following day not even 24 hours CHIME bank decides to close my account due to violation and the violation is too many deposits at once so I email them because they have no other form of communication you cant even call to speak to an actual human being and within the email I stated how this is money from the government and I have full proof and credentials for they then email me back stating to contact the MA DUA/PUA and explain what happened they then informed me that the bank itself who closed my account must return it he funds from where it came it has been over a month now waiting and nothing has happened I need help please
Product: Mortgage

I was denied mortgage relief assistance thr  ough the S.C. Help Program. I went to apply for help though the S.C. Help Program, and I was told that Citifinancial did not participate.
I am not the only one that got the run around.
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against XXXX XXXX XXXX XXXX regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning matter regarding inaccurate information reporting by credit bureaus. 

Equifax XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Employers : XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Employers : XXXX XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whenever I was trying to place an order using the XXXX app, there was always a promotional pop-up for Chase XXXX XXXX XXXX credit card. I avoided it many times. But sometimes my purchase would not go through if I dont click on that promotional link. It also said that being a promotional offer, it will only reflect as a hard inquiry on my credit report if I qualify and accept a credit card offer. I have not accepted any credit card offer. 

However, the inquiry is reflected as a hard inquiry on my report since XX/XX/XXXX. 

I have been following up with XXXX using chat and phone more than 4-5 times. I was told that this inquiry will be removed from my report, but it is still there.
Product: Credit card

Someone took my identity and opened fraudulent cards and hooked them up to my bank account and paid them for years. I turned in information from my bank that showed theses were unauthorized transactions, a notarized statement from myself, bank statements and XXXX police reports. I've submitted this information to Capitol One twice, and they still haven't given me back the {$28000.00} that was taken out of my account even though the cards were deemed fraudulent by Capitol One. They're holding payments from my bank account and won't give them back.
Product: Mortgage

Dear Friends, I sold a home in XXXX, PA on XX/XX/2012. The property address was XXXX XXXX XXXX XXXX. My mortgage was through Wells Fargo and the Realty Company in XXXX was XXXX XXXX XXXX. My agent was XXXX XXXX. I sold the house for {$270000.00}. When we closed on the property on XX/XX/XXXX, Wells Fargo charged me the entire month of XXXX for insurance. When I raised XXXX about it, they said that the policy was to close at the end of the previous month ( that would have been XXXX ) to avoid that fee.We were not apprised of that and my agent knew nothing about it.I told them, had I known, I would have closed sooner. I then had my attorney XXXX XXXX XXXX contact them and we got no response to that inquiry. 
Wells Fargo is a corrupt company as evidenced by all the complaints and fines they have been required to pay in the last several years. I lost close to {$1000.00} on that property closing which I could have used for my expenses.. I was XXXX years old at the time, single and dependent on myself and working only part time. 
Please help me regain my lost money because it's only fair that Wells Fargo reimburse me at least the cost of insurance if not more for attorney fees. 
Thanks you very nuch and I wait with anticipation for good news!! 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just notified that my credit card is several months past due. I had it set up for auto pay with XXXX XXXX. XXXX sold that card division to XXXX  XXXX  and My {$14.00} original purchase never got paid. Because the amount was so small and the bank was going through a conversion apparently it didn't get reported right away and was allowed to go several months past due and now is reporting on my credit as over 120 days late but this is the first i'm hearing about it from commenity bank and it never reported on my report as late before. I called in and spoke to a supervisor and he could see I had a perfect payment record before this happened. I paid the full amount while on the phone with him and he said to send a letter to the corporate office to see if they can have all those negative non payments removed and restore me to paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX - XXXX, XXXXXXXX XXXX  - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, and XXXX XXXX - XXXX.
Product: Debt collection

On XX/XX/XXXX I received an alert that there was some activity on my credit report. I investigated to find out that a new collections account had been opened by XXXX XXXX XXXX. I XXXX   the company and obtained their contact information. I contacted them at ( XXXX ) XXXX to discuss the matter. I was informed they were attempting to collect an outstanding debt of {$510.00} for XXXX XXXX XXXX for Date of Service XX/XX/XXXX. I informed them this debt was paid in full in XX/XX/XXXX after 12-13 months of dealing with several insurance companies and my workplace. They informed me this date was outstanding. I stated they could send the information to my home if that was in fact true and terminated the call. I received no such documentation to date. 

I then began calling several agencies to determine what insurance company handled the claim. XXXX XXXX, who was my health insurer at the time, informed me that the claim was deferred to my auto insurance company XXXX XXXX. I called and spoke with XXXX XXXX and was told someone would return my call within 24 hours. On XX/XX/XXXX I  received a call from XXXX XXXX stating that the claim for XXXX XXXX XXXX, which totaled {$990.00}, was paid. I have been unsuccessful in speaking with XXXX XXXX XXXX. When I called the creditor and requested the contact information for XXXX XXXX XXXX I was transferred to a supervisor who stated that the bill was bought out by Pendrick Capital Partners. I was provided with the number of ( XXXX ) XXXX. I called Pendrick customer support and spoke with XXXX who stated that the bill was sold to Pendrick and it is outstanding and that any information I had must go through XXXX XXXX XXXX. 

My complaint is that this bill has been paid for at least 2 years, and now a company with a rich history of attempting to collect on paid bills ( only for the payee to later find their credit card number was stolen ) is  continuing said practice causing undue hardships on payees to have to put in all this work for something that has since been handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is on my Transunion Credit Report. The collection agency stated the account is from XXXX in Georgia. The account was created in Georgia at a address in Georgia in XX/XX/2014. The statute of limitations on accounts in Georgia is 4 years unless it is a mortgage it is typically 6 years. I have disputed this account several times with Transunion to no success, because they state XXXX states the account is accurate. I contacted both XXXX XXXX XXXX today and afterwards XXXX XXXX XXXX  at the XXXX Corporate Headquarters. XXXX attempted to negotiate balance of {$190.00} however they have it reported inaccurately on my Transunion credit report as {$190.00}. XXXX Representative, XXXX offered a settlement of {$120.00} and I refused because she couldn't give me a breakdown of the fees and I don't even remember the address in Georgia, because the account is so old, but I did live in Georgia in XX/XX/XXXX. I hung up and called XXXX back and spoke with a rep, XXXX asking why is the account on my credit report if the statute of limitations for a residential utility bill in Georgia is 4 years. The rep stated that XXXX put the account in dispute for XXXX to further review. I called XXXX Corporate  and because the account is so old and written off nobody could tell me what I owed. Per the rep at XXXX my account was sold to XXXX and they were not able to give me a breakdown only saying that he heard the statue of limitations in Georgia for debt is 4 years and 6 years for mortgage loans. I called Transunion and the re gave me a hard time telling me that on any account with Transunion the statute of limitations on every account is 7 years. I told him he was giving false information because the statute of limitations vary from state to state in which the account was created. I told the rep if he ever said such information to a California consumer Transunion would be sued because I know that they are strict on credit bureaus giving false information to their consumers. I asked for a supervisor because of the rep providing me with false information and the supervisor took over my call. Per the Transunion supervisor he would dispute it again but this time in reference to statute of limitations. I am not being treated fairly by Transunion when it comes to making sure items are removed accordingly and that my credit report remains accurate.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I went to apply for me an apartment and they told me I wasnt approved because they said I had a close account worth XXXX in dept which seemed odd because Ive never applied for a car before I always had the same car since my XXXX birthday since the lady told me this info Ive started to see mail come to my house that say debt collectors etc. Im not sure how someone would be even able to get a car in someones name with out them being there these car allots just want money they dont care if people have the right information or LEGAL information.