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

XXXX XXXX, Wells FargoXXXX XXXX XXXX hard inquiry. 
Representative stated to me that they will remove false information that I never applied for any Wells Fargo products.
Product: Credit reporting or other personal consumer reports

XXXX XXXX company is not complying with FCRA regulations. I am a consumer that is currently under a forbearance program that prohibits any derogatory reporting to the credit reporting agencies. Currently XXXX and Transunion is inaccurately reporting delinquencies into my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent more than 7 letters to Transunion LLC - XXXX and XXXX  notarized and even certified letters and they still don't see to resolve these issues, list of accounts are below, they don't even have proof or documentations these accounts belong to me : XXXX XXXX : XXXX The account type is incorrect, please delete. 

XXXX XXXX : XXXX The high balance reported is incorrect, please delete. 

XXXX XXXX XXXX/XXXX  : XXXX The terms reported are incorrect, please delete. 

XXXX XXXX XXXX : XXXX The past due amount reported is incorrect, please delete. 

XXXX XXXX XXXX XXXX : XXXX The first date of delinquency is incorrect, please delete. 

XXXX : XXXX The account balance is incorrect, please delete. 

XXXX : XXXX The payment status is incorrect, please delete. 

XXXX : XXXX The terms reported are incorrect, please delete. 

XXXX XXXXXXXX XXXX : XXXX The payment status is incorrect, please delete. 

XXXX XXXXXXXX XXXX : XXXX The account status is inaccurate, please delete. 

XXXX XXXX XXXX : XXXX The high balance reported is incorrect, please delete. 

XXXX XXXX XXXX XXXX : XXXX The account balance is incorrect, please delete.
Product: Bank account or service

On XXXX XXXX, 2016 I contacted my bank to inform them of a double charge on my card and I know that the Federal requirement that says the bank must provide a refund if the investigation takes longer than 10 has come and gone. I have yet recieved my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a credit account, XXXX XXXX, on my credit report to Equifax for identity theft on XXXX XXXX, XXXX. I faxed the identity theft report, my driver 's license and social security card, my statement to remove or block the account from my credit report and a copy of the FCRA. I attached these documents to an email that was sent to me by XXXX. According to the FCRA 605 ( b ) the account should be removed/blocked within 4 days of receipt of the identity theft report. It was not removed in that timing. On XXXX XXXX, XXXX I spoke with XXXX XXXX and she confirmed that all documents including identity theft report was received and advised me the account XXXX XXXX was removed then and it takes 24 hours to update. I checked my credit report again on XXXX XXXX, XXXX and spoke to XXXX again and now he said they did not accept my identity theft report and put it in dispute which I did n't request Equifax to do. I did n't receive any written notification in 4 or 5 days of the identity theft XXXX and XXXX XXXX began to tell me they can deny but fail to explain why or send any letter saying such and that he was the highest level of management and nothing else can be done. I talked to XXXX XXXX once again on XXXX XXXX, XXXX and I was informed by the representative that she was sending to their special Handling team in regards to my identity theft report so the account could be removed. I checked my credit report again on XXXX XXXX, XXXX and it still shows in dispute which I did not request. I called Equifax again and spoke with XXXX XXXX and she did n't want to look at notes what was previously stated and kept stating that she was the highest level of management and refused to look into the matter. I asked for corporate information to contact management that 's over that department she refused to give the information and again stated she is the highest level of management and disconnect the call. I checked my credit report this morning and now they have removed the dispute and put in the comments voluntary repossession. Which everytime you talk to Consumer Affairs about an account my information is being reported negative and incorrect. This has been very frustrating and they have violated FCRA and refuse to go by what is required. This has hurt my credit tremendously because they are falsely reporting information and proper documents have been given. I am at my last attempt to get this resolved and have Equifax to do what is right and stop updating my credit report incorrectly.
Product: Money transfer, virtual currency, or money service

I tried to close out my savings account by trying to withdraw the remaining balance of XXXX via robinhood deposit feature into my robinhood. The savings account blocked the transfer. I contacted them and they said once I deposit the amount that reverse and it clears my instant deposit will work again that was XX/XX/XXXX. So XX/XX/XXXX I deposited {$5.00} which completed and still no instant deposit. I then deposited another {$100.00} and I contacted them and told them it didnt deposit instantly they said once it clears XX/XX/21 my instant deposit will work. Yesterday I joined robinhood gold which states that I will have instant deposit Im sure that would work and I deposited {$2000.00} and still no instant deposit now I have to wait until. XX/XX/XXXX to invest this money. 

Should I try to sue for false advertising. Robinhood gold states I will have instant deposit and thats why I bought it. They also stated my instant deposit will work I have emails to prove.
Product: Credit reporting or other personal consumer reports

the following date 's I sent in disputes regarding a public record. Showing on my Equifax credit report XX/XX/2023 XXXX XXXX, and XX/XX/XXXX, XXXX on XXXX XXXX I received a credit report from Equifax XXXX the bankruptcy court verified this information as mines XXXX stated that they received the information from a third-party vendor XXXX that statement id misleading I have a letter from XXXX that the bankruptcy is no longer reporting on my consumer 's file. Please see documents.equifax fail to conduct a proper investigation under 15 USC 1681 ( I ) ( A ), the bankruptcy court or the clerk dose not report to the CRA 's,
Product: Debt collection

During XX/XX/XXXX I was on XXXX and wanted to read an article and when I click on the article my computer screen was locked. On my computer screen I was told to call a certain telephone number to get it unlocked. I called the number and the person said you have a virus and we can fix it for you. But it will cost you {$380.00}. They then asked to log into my computer. I was told to make the check out to XXXX XXXX XXXX. which I did. They also gave me a mailing address. Then they wanted to take a picture of the check from my computer screen which they did. They also wanted a picture of my drivers license. They then got my computer up and running. They said they would call back in a week to make share my computer was OK. Then I thought they were going to charge my checking account twice, once for the actual check and then for the check they took a picture of. I called my bank and talked to the people in their fraud section. The bank froze my checking account and opened a new one for me. Neither of the checks were processed by my bank. I then started getting calls from XXXX XXXX XXXX and the calls came from different telephone numbers. I then deleted the external log in that I had given to XXXX XXXX XXXX Also, I reformatted my computer and added XXXX XXXX detection software. I ran the XXXX software and my computer was clean. Later I received a notice saying that if I did not pay the {$380.00} they would turn it over to a collection company. I kept getting calls from unknown numbers but I did not answer them. On XX/XX/XXXX I received a collection letter from " XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX '' They said they were attempting to collect a debt, that now totaled {$410.00}. The Original Creditor was listed as XXXX XXXX and the Current Creditor was XXXX XXXX, XXXX. 

On XXXX XXXX, I received another collection letter this time from Transworld Systems XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  , Pa XXXX, dated XX/XX/XXXX. They said they were attempting to collect a debt totaling {$410.00}. The Creditor was once again listed as XXXX XXXX XXXX XXXX Once again XXXX XXXX is trying to collect money that was a SCAM.
Product: Credit reporting or other personal consumer reports

I have contacted this company several times. Each time my request is the same. I requested the removal of comments from an account. 

This is a violation of FCRA!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # 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 an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : no credit reporting agency may make any consumer report any of the following items of information Any other adverse item of of information, other than records of convictions of crimes which antedated the report by more than XXXX  years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

AMSHER had been calling me demanding i pay a collection that doesn't belong to me. The name listed on the account is similar to mine, but it's not me. I asked them to show me a contract that signed by me with my name, obviously they can't produce it because I never had a XXXX account opened. 
They placed a collection account to XXXX and the other XXXX even though that is NOT my account. They have been calling me way too often, about 10 times a day.
Product: Credit reporting or other personal consumer reports

The term unauthorized use, as used in section XXXX of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Product: Credit card

Credit card/new account BILT by Wells Fargo opened at the beginning of the year. I was able to use it properly for the firs 2-3 months. From XX/XX/XXXX until probably XXXX of XXXX Then my access to online account was banned. After several attempts and different departments getting involved they failed to resolve the issue until last month. A total of 8 months without having access to manage my own account. I did not know my balance nor all the fees they were adding monthly since I had a balance pending ( did not know exactly as they blocked my access and couldnt explain why bilt by Wells Fargo bank ) not only they charged me several late fees and interest but this has impacted my credit score severely. I am more than willing to make a payment for the actual balance prior to them blocking my account for reasons that they couldnt even explained until a month they reached out saying my account is now active to continue using. But I am now left with a bad credit report, a lower credit score and interest fees that I do not should be liable for. I have emails to proof that they were communicating and trying to resolved the matter that was out of my control and it was on their end.
Product: Checking or savings account

WHILE TRAVELING TO XXXX XXXX I LOST MY CELL PHONE ON THE PLANE. 
WHEN MAKING PURCHASES IN XXXX XXXX, my credit card picked up something unusual and texted me to approve a transaction. Well, obviously i couldn't approve because i didn't have phone, and i tried to do instant verification and it didn't work either ( don't know why. ) I had all of my money in my chime account and no way to buy my flight home. i received the same XXXX answer over and over on the phone for over XXXX hours while on XXXX they did not help me at all and did not care, couldn't offer any solution or alternative ( even though i could access the app, had ID, could provide any information about myself to verify account. ) In the end by a family members generosity i was able to get a flight home, but had to sleep in the airport the last XXXX XXXX  because my card stopped working altogether. I will admit I did get hot with the person on the phone, because of the condescending manner in which they spoke to me. I was suppose to receive follow up on this, which I did, that the account was closed, but I never really was told why. Well, in the midst of all of this I noticed fraudulent activity on my cards ( one specifically was an {$1100.00} hotel bill that i used a different card to pay XXXX, XXXX  have receipt as proof. ) They will not allow me access to look at any of my transactions/statements, which I need to verify all of my transactions. I also am applying for below-market rate housing opportunities and they are specifically requesting bank statements from a time period I do not have. I have asked them OVER FIVE TIMES to please send my statements at least so I don't loose this affordable housing opportunity. And radio silence. Chime is TRULY a terrible company, with no regard for quality customer service, just cheap phone operating
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Chat XXXX we got on lock boo, CFPB COMPLAINT : USE THIS LINK TO ACCESS PERSONAL STATEMENT As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationXXXX Please delete the following accounts. XXXX XXXX  account balance {$390000.00}, date open XX/XX/year> XXXX account number XXXX balance XXXX XXXX account XXXX balance XXXX XXXX balance XXXX XXXX Account number, XXXX XXXX account number XXXX balance XXXX XXXX XXXX XXXX account number XXXX balance XXXX, XXXX XXXX  account number XXXX balance {$680.00} XXXX account number XXXX bal XXXX XXXX Account number XXXX bal {$140.00} XXXX account number XXXX bal XXXX XXXX XXXX  XXXX account number XXXX bal XXXX XXXX XXXX XXXX bal XXXX account number XXXX XXXX XXXX XXXX account bal {$850.00} account number XXXX XXXX XXXX XXXX Balance {$160.00} account number XXXX XXXX XXXX XXXX Bal XXXX
Product: Credit card or prepaid card

this account fnb omaha is a fraud account and fraudulent charges have been credit account # XXXX.
Product: Credit card

I was made aware of an account that was created fraudulently. I placed roughly XXXX calls to the credit issuer. I was transferred and bumped to a number of different departments all whom claimed they were unable to help me. I believe they are at minimum not proviuding adequate service and support to a consumer who is working to resolve a criminal issue and I believe they are in violation of my rights made clear by section 1026.6 in the CFPB guidelines.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report that I did not authorize, I would like those inquiries to be removed. According to the FCRA these unverified and unauthorized items must be removed. 
Heres a couple inquiries I do not recognize. 

XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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

The company asked for the notice I turned in to the office before turning in my keys and signing for my mail to be forwarded XXXX  notice XX/XX/2022 and was completely moved out XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a letter stating i did not owe XXXX and asked for documentation. I did n't get any then I called and inquired about my IBR income based repayment plan and asked about a consolidation loan but then they told me that I would lose three years of being on the program this was in XX/XX/XXXX. On XX/XX/XXXX I asked for proof of my signature and they sent me back proof of only XXXX and beyond that point but only one signature nothing before or after that date. Then in XXXX I find out that the loans have been consolidated after they sent me proof of my signatures I asked for them to be removed. So i feel they consolidated them with out permission since they could n't provide me proof of prior loans on my file. They transferred me to the fraud department he took my name and work number. He did some investigating and he saw I called and inquired but I never signed to get them consolidated. He said since their is not signature on file he would reverse them. Now in late XX/XX/XXXX I get a letter saying sorry but there is nothing they can do they can not reverse the consolidation. I feel there were some errors on some loans and they took it upon them sleves to consolidate so they would n't have to provide the proof i was asking for.
Product: Mortgage

Us Bank Home Mortgage did not pay the real estate taxes due on XXXX/XXXX/16. Today is XXXX/XXXX/16. Therefore we still do not have the XXXX to file on our taxes. I am not sure if this affects our credit.
Product: Mortgage

I have missed a couple of payment. my mortgage company is trying to work with me. 
My major complaint is that I believe that the USDA loan was approved when it should have not been. there are many issues with this house. there is moisture under the sink in the kitchen which is causing the wood to dry root and a nasty smell possible mold. I asked the inspector to check for rodents and believe he did not as I asked. I have encountered 4 rats 3 of which was already living in the house before I moved in. The main bath has rusted fixtures. the deck wood is moist of which may cause more rats. My lawn guy has found a rat nest that was in the front of the house. there are holes that I was unaware before I signed the contracts, that I have found since I've lived here. I am a senior and believe I have been taken full advantage of. Please help me.
Product: Checking or savings account

Citizens Bank ( Citizens Bank is a brand name of Citizens Bank, N.A. ( NMLS ID # XXXX ) decided to reissue my debit card because they were informed that a merchant I used in the past may have been prone to a data compromise. I received this information in a letter date XX/XX/XXXX, so I called on XX/XX/XXXX to learn more. 
Citizens refused to provide me with information as to who the merchant was and whether or whether not my account was compromised. They told me that information was confidential, and they are not obligated to share that information with me, their customer. 
As they acted on information related to my account, I dont see how this information could be considered confidential and not shared with me, the customer. The Citizens representative said that they were trying to protect me by being proactive, which I appreciate, however I again wasnt given any information as to where this potential data breach happened. 
I was then told that Citizens doesnt want customers calling merchants and accusing them of not adequately securing their transaction data. I noted that seems like Citizens is trying to protect itself, not the customer. 
If a merchant that I used was compromised and shared that information with Citizens, I should be able to also receive that information, so I can choose not to use that merchant going forward. Withholding information from its customers is a serious issue for Citizens and my hope is that you can help address this action.
Product: Checking or savings account

On XX/XX/XXXX at approximately XXXX, my husband XXXX XXXX went XXXX XXXX {$550.00} in cash at America First Credit Union XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. We are originally from Texas, our XXXX XXXX in Texas is XXXX XXXX XXXX XXXX and we saw on a website that America First Credit Union was a shared credit union branch that we can deposit cash into. My husband used his XXXX debit card to use the ATM and tried to deposit the {$550.00}. He said the first time it did not work and gave him the receipt. He tried again but the ATM returned {$10.00} to him and ate the rest of the {$540.00} and did not give him a receipt. He did make a claim with America First Credit Union, but they said we would have to wait until they audit the ATM machine to find the overage and that it will take up to two weeks. 

We also filed a police report, XXXX with XXXX XXXX XXXX Police, and detailed the bill amounts that make it equal {$540.00}. 7 - {$10.00} bills, 11- {$20.00}, 1- {$50.00} and 2 {$100.00} bills. 

As of today, XX/XX/XXXX, I called and emailed a loan officer XXXX XXXX to check in with the Accounting department, and she states they have not audited the machine yet. It's now been over two weeks.

We have two case numbers with America First, Request ID XXXX and Research number XXXX. 

Our bank XXXX says they can not assist since the transaction does not show on their end.
Product: Credit reporting or other personal consumer reports

I have repeatedly kindly requested credit bureaus to reinvestigate inaccurate and incomplete information reporting on my credit report and to correct all accounts that is inaccurate and incomplete I've been so very patient with XXXX, Transunion, and XXXX I have sent letters to the company on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking XXXX, TRANSUNION, XXXX TO send me the original documents that they are using to report these serious errors. I have not received any proof of these original contracts it has been more 90days they continue to give me a run around... it is already hard enough with how the inflation with the economy is going it is hard please help me get this resolved as soon as possible.
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 right to privacy and confidentiality under 15 usc 1681 : There are accuracy and completeness : Accounts 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 15 usc 1681 sec.602a state I have the right to privacy 15 usc . 1681 sec.604 -2 It is also state a consumer reporting agency can not report any thing without my written instructions 15 usc 1681s ( 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 importation in inaccurate. 
15usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause cause to believe that the information is inaccurate. 
You have a grave responsibility with fairness. I not only want fairness but also equity.