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

I went on XXXX XXXX XXXX XXXX to use their pre-approval tool which does specifically say it was not going to affect my credit. 
They said i was pre-approved with XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX. 

Why do i proceed to getting multiple alerts back to back on XXXX XXXX  about hard inquiries when it specifically stated there would be no hard inquiry. I though maybe XXXX XXXX was not getting the right information so I logged into Equifax itself to check XXXX XXXX appears 5 different times from XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX as well 5 different times within those dates back to back to back on every day, why? I put my information once on XXXX XXXXXXXX and it said it was not going to affect my credit
Product: Checking or savings account

I have two claims that were closed one for {$8500.00} another for {$2500.00}. There are multiple charges under each from XXXX and XXXX to XXXX. I have stated that these charges were not authorized by me even though I have done business with the merchant before. Chase claims had told me that my claims were denied because I have done business with them before. I was honest and told them that I did but all charges after XX/XX/XXXX were not authorized by me. When I contacted XXXX  they had locked my account but also fail to provide evidence of who made these charges. Perhaps show an IP address or location so I can determine if this is fraud and who committed these deposits. They state that they can not provide that evidence and I am supposed to take their word for it. 

I had shown both XXXX XXXX and Chase bank sufficient evidence that shows my account had been locked by the merchant since before these charges were made. So they could not have been authorized by me. 

Since the XXXX  has been frozen I can not withdraw the funds they took from me. So I disputed these charges. Again, I did not make these deposits, and neither the bank or XXXX  are showing me any evidence. My funds should be returned and I wish to no longer do business with this shady company.
Product: Credit card or prepaid card

XXXX XXXX XXXX was suppose to be receiving payments under a debt program at a min payment of {$20.00}. The program messed up my payments and XXXX XXXX triggered an end to the program I was paying under and negatively reporting late payments to the credit score agencies when the account is up to date receiving payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX, 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 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: Credit reporting or other personal consumer reports

I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a XX/XX/XXXX I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.
Product: Mortgage

For over seven years we have been trying to get our loan payment lowered to where we can stay in our home. Until XXXX, 2015 our loan payment was over our income. In 2015 our payment was lowered to approximately {$1300.00} dollars but it was still 70 % of our income. We can not afford that payment and also have had to invest money into our property because it was deteriorating. This has been making it hard plus many health issues that we have had. All we want is for our servicer to lower our payments to something reasonable and affordable. Every time they have helped us the loan modification was an in-house, which resulted in our loan balance now being at {$360000.00}, when the origination amount was {$230000.00}. This is a greater than a {$130000.00} difference. We were solicited at least three times resulting in these in-house loan modifications. We are preparing a summary of the history of these loan modifications and the solicitation letters we received. 
We currently try to get a loan modification every chance we get, and we get turned down with a letter telling us we have no loan mitigation options. Every time this happens to us, we get harassing phone calls from the servicer trying to get us to sell our home or turn our property over to them. They say that obviously the home is not affordable to us, but when we compare what is being offered in home mortgages in the market place to our situation we know that our home would be affordable if the servicer had not ruined our credit. We have now asked the servicer to comply with RESPA laws regarding answering our questions that we have asked repeatedly before. We are attaching the last letter we sent to our servicer. We waited to see if we would get response from them within 5 days regarding our Qualified Written Request before we forwarded this letter to CFPB. We hope, with help from the CFPB, we will get some results on a loan modification that will give us a payment that we can afford. We do n't care if they even raise our mortgage balance again ; we just need to have payments that we can make on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, some of my personal information was compromised in the Equifax data breach. In XXXX, an identity thief charged {$30000.00} to a department store ( XXXX 's ) without the card ( it was in my possession ), using a bogus New York XXXX XXXX license. It took months to resolve this issue. Recently, my credit score dropped substantially, which made no sense since I had just paid off my auto loan. I found, through my credit reports, that someone had opened a XXXX XXXX account in my name in XX/XX/XXXX, and had not paid the bill so it was sent to collections. The person used my name, social security number, and the address of a home I sold XXXX  years ago. XXXX XXXX will not help me, and their website refuses to accept the fraud report I have tried to file multiple times. I have lodged a dispute with all XXXX credit reporting agencies. Equifax, who is responsible for this problem in the first place, has gotten back to me, claiming that XXXX XXXX believes this delinquent bill is legitimate. No one, in other words, is being helpful, and I have spent hours and hours just in the last week trying to solve this. I can prove I did not live at the address used to open the account ( I have been at my current address for XXXX  years ) and it also is illogical that I would set up an account with XXXX XXXX XXXX when I live in the XXXX. In addition, I have an impeccable credit record, dating from the XXXX. I have filed a police report, and a report of identity theft with the FTC. I have lodged a fraud alert with all XXXX credit bureaus. When this is resolved, I will freeze my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inaccurate information and in valid information on my credit report phone numbers and addresses and names.
Product: Debt collection

This company, LAWSON HAMILTON AND ASSO, shows I owe a XXXX  agency {$670.00}. I remember this visit, from years ago, and I paid out of pocket in full. It was a terrible experience and XXXX never forget the visit. Since then, the actual company is out of business. The company name was " XXXX XXXX XXXX XXXX XXXX XXXX ''. I paid everything that day and owe them nothing. 

So when I saw this on my credit, on XX/XX/2022 I called Lawson Hamiliton and asked for some sort of detailed billing. Maybe I'm wrong and do owe it, I'm human. But I'm pretty sure I don't own the out of business a penny. They told me they don't have anything to show me. Nothing to validate this is real. 

So I decided to dispute it. I called up XXXX  and spoke to someone who put the dispute in for me. I told him in detail about this charge. I asked for some sort of proof, validatiaon, nothing. Well nothing changed. I feel this is a violation of the Fair Credit Reporting Act ( FCRA )
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and started applying for things in my name.
Product: Bank account or service

I have been a customer of wells fargo/Wachovia for over 15 years and I have recently noticed many unfair practices by wells fargo. That has resulted in over {$800.00} worth of overdraft fees, in just the past 2 years as a customer. 

I have previous complained about my fees, which resulted in a {$200.00} refund of my fees, however since then this practices have not stopped. I have even since been charge additional {$100.00} in overdraft fees with the most recently being completely unfair. 

My previous complaint surfaced issues regarding Wells Fargo and their " holding '' of transactions. Wells Fargo is not ( no longer ) my main banking, so I deposit money into this account as payments post. However for the past two years ( could be longer ) I have noticed that Wells Fargo will HOLD my transaction until late in the evening. For example, my purchases would not post to my account until XXXX XXXX. Which is completely different from how XXXX XXXX XXXX and XXXX handles their checking accounts. 

Just recently on XXXX this same situation happen, I went to the ATM at XXXX deposit {$100.00} CASH to cover a - {$35.00} fee. This morning I have a overdraft fee of {$35.00}. How is this possible if cash posts same day? 

At this point I am requesting a FULL refund of my overdraft fees for two years of my 15 years of membership.
Product: Credit card

Bank of America allowed a credit card account to be opened back in 2004 using my son 's social security number. My son was only XXXX at the time and it has been open for 12 years now. Last week we went to our local Bank of America branch to open a checking account in his name and the personal banker informed us that his social security number was already being used on an existing Bank of America account. The personal banker said he would investigate and get back to us. We never heard anything back from Bank of America and had to call today in order to get more details. This is when we learned the account has been opened for 12 years and it was still active. Beyond this they have offered no additional help. How can they have done their Customer Due Diligence and Know Your Customer procedures when they allow an account to be opened with a child 's social security number? Furthermore, they have offered no additional assistance or details in getting this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few medical collections that my insurance is supposed to pay They are responsible not me I've reached out to all of them but they get rude and demanding. 
I was also involved in the equifax breach!!!! 

XXXX XXXX XXXX XX/XX/1961
Product: Credit card or prepaid card

I am a XXXX in the XXXX XXXX, and applied for an Army & Air Force Exchange credit card ( Military Star Card ) inXX/XX/XXXX. Due to bureaucratic issues beyond my control, the physical card itself didn't reach me in the mail, ( I was able to use it for purchases through a temporary print-out number, ) nor did any statements/bills. 

Due to this, I had a one-time missed payment, ( again, I wasn't receiving notice of it, ) and I did pay the full balance off on XX/XX/2019. I now have maintained a balance of {$0.00} on that card since then. 

I still see that this missed payment is on my credit report, bringing my on-time payments from 100 % to 99 %.
Product: Debt collection

I had account with XXXX XXXX XXXX they garnish my check inXX/XX/XXXX so now the account is paid in full. I noticed on credit report Portfolio Recovery collection opened account {$610.00} XXXX XXXX and the original creditor is XXXX XXXX XXXX. I didn't authorize XXXX XXXX to sell my information and the account is paid in full. this defamation of character I will sue they need to remove this immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Notice of Violation Under 15 U.S. Code 1681o Civil Liability for Negligent Violation of FCRA Dear CREDIT REPORTING AGENCYS I am writing to formally notify you of a violation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which addresses the civil liability for negligent violations of the FCRA. I believe that your actions or inactions have resulted in a failure to meet the statutory requirements under the FCRA, which has caused harm or inconvenience to me. 

Details of the Violation : inaccuracy proof is attached along with credit report showing inaccuracy, social, utility, and identification XXXX. This account is showing inaccuracy must be removed immediately according to section 609 PXXXX XXXX XXXX Account Number XXXX XXXX  i request this information to be removed immediately XXXX. This account is showing inaccuracy must be removed immediately according to section 609 XXXXXXXX XXXX XXXX  Account Number : XXXX I request this information to be removed immediately according to section 609 3. This account is showing inaccuracy must be removed immediately according to section 609 XXXX XXXX XXXX Account Number : XXXX i request this information to be removed immediately according to section 609 4. This account is showing inaccuracy must be removed immediately according to section 609 XXXX XXXX XXXX Account Number : XXXX i am requesting this information to be removed immediately according to section 609 XXXX. I was never late on this account SXXXX XXXX XXXX XXXXccount Number : XXXX update inaccurate late payment to positive XXXX. I was never late on this account XXXX XXXX XXXX Account Number : XXXX update late payment status to positive XXXX. This account is showing inaccuracy must be removed immediately according to section XXXX XXXX Account XXXX : XXXX i am requesting this information to be removed immediately according to section 609 8. This account is showing inaccuracy must be removed immediately according to section XXXX XXXX Account XXXX : XXXX i am requesting this information to be removed immediately according to section 609 XXXX. This account is showing inaccuracy must be removed immediately according to section 609 XXXX XXXX XXXX Account Number : XXXX i am requesting this information to be removed immediately according to section 609 Under 15 U.S. Code 1681o, you are required to comply with the provisions of the FCRA in a manner that avoids negligent violations. Due to the harm caused, I am seeking compensation, correction of the record, an apology, or other appropriate remedies. I request that you take prompt action to correct this violation and notify me of the steps you will take to resolve the matter. 




Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed the information from XXXX XXXX XXXX with XXXX, XXXX and Experian several times. The credit reports are updated with inaccurate information in which XXXX, Experian and XXXX has been made aware of on several occasions. When I asked to receive the information on how it was verified I don't receive anything. The latest dispute with XXXX was this year XXXX. Started disputing with Experian in XXXX and they are also reporting transaction history in which the law states is illegal. XXXX they just notated the report saying, " Consumer disputes after resolution. '' I have sent XXXX XXXX XXXX and opt out letter there for they should not be providing non public personal information to any 3rd party. XXXX XXXX and Experian are all 3rd parties. The privacy act of 1974 has been violated on so many levels. per 15 usc 6802 and 15 usc 6805 and 16.cfr. 313. 7 has been violated. It is also showing on the credit reports that the account is charged off. A charged off is considered a certificate of indebtedness which means it is income and income must be removed. The law also states it is illegal to report transaction history. despite me attempting for years with XXXX XXXX and Experian about the information on the reports they have opted not resolve this.
Product: Checking or savings account

My husband deposited two checks into our account on XX/XX/XXXX inside the bank with the teller. The check has not shown up in our account. We made the branch aware of the situation and they simply said they dont know what happened and that the check should show up tomorrow. The check has not shown up in our account and weve made several attempts to call the branch but they do t answer the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous 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 INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX  CARD-Date of inquiry XX/XX/2020 XXXX-Date of XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

My XXXX  loans were forgiven and they are still showing on my credit reports on all credit bureaus.
Product: Money transfer, virtual currency, or money service

I was scammed by a guy I met through a home remodeling company named XXXX XXXX XXXX XXXX  servicing the XXXX XXXX KS and MO areas. His name is XXXX XXXX XXXX and he gave me one of his business cards. I looked up XXXX XXXX  XXXX XXXX and there are at least 33 of them and most have some variation of the name XXXX XXXX XXXX All family and friends related. Stretching across the United States. He mentioned that he has a LLC and that they are easy to get. I believe he said his siblings have a LLC. He accessed Cash app on my cell phone while I was taking a shower and cash apped himself {$2200.00} from my bank account on Sunday, XX/XX/year> around XXXX using Cash app ID $ XXXX. When I got out the shower I noticed he left the house and my cell phone was moved. I checked and saw that he cash apped himself monies from my bank account. I immediately reported it to Cash app within 30 minutes of XXXX robbing me. I immediately disputed the charges. I called Cashapp support the next day and was scammed by Cashapp again. This time I was taken for {$390.00}. While on the phone with the Cashapp Support Rep I receive a call. The Cashapp Support Rep said that he was calling me from another number to continue assisting me in receiving a refund of the {$2200.00} that was stolen. The Cashapp Support Rep used a screen sharing app and gained access to my accounts. I was left with two negative bank accounts. XXXX blocked me on Cashapp and his phone. I reported it to the XXXX Police department, XXXX police report # XXXX. XXXX XXXX believed I was scammed both times by the same individual or individuals and included all info in one report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX   partial account number XXXX. ( Please see page 9 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so confused how credit bureaus obtained my information..I have never received any kind of correspondence from XXXX  XXXX  XXXX  XXXX  XXXX ... I have no financial obligation to this company and because I did not sign for this account, please remove it from my credit report
Product: Money transfer, virtual currency, or money service

I was scammed out of XXXX on Zelle and did not receive my refund or any help
Product: Checking or savings account

I am filling a complaint with CFPB rEGARDING CAPITAL ONE 'S FAILURE TO DEPOSIT MY DIRECT DEPOSIT FROM MY EMPLOYEE AND ANY OTH INCOMING DEPOSITS.cAPITAL ONE HAS CITED TECHNICAL ISSUES.WHICH MAY VIOLATE THE ETECTRONIC FUNDS TRANSFER act ( efta ) as it reqires timely access to funds.this situation raises concers about consumer protection laws.and i request your assistant in investigating this matter to ensure my rights are upheld.Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024, I requested proof that a loan is owed to the company of NCB Management Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX No response has come from the company and my Credit Report still reflects this.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX