23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I would like to ask Experian to remove all the inquiries in which no credit has been granted. I have noticed that there are multiple old inquiries which are currently affecting my credit rating, but no debt has been obtained. 

I want those inquiries, including those unauthorized inquiries for companies trying to sell me a product remove. 

I currently see more than XXXX inquiries.
Product: Money transfer, virtual currency, or money service

In 2019 i was scammed for {$1000.00} using my Wells Fargo account with XXXX, I had sent the money through XXXX to who I believe was going to rent a house to me. When I found out that this was a scam I contacted Wells Fargo went in and the took a report and opened a case, after some time passed they informed me there was nothing they could do for the loss of my money. Since, my mother in law who also sent money for the same person who was going to rent with us received a check for the money she lost but I never received or heard about again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  to report that I had unrecognized hard inquiries on my credit report and customer service did nothing about the problem. They were unprofessional and had me on hold for more than 45 minutes just to tell me it's nothing that they can do to help. I called XXXX 5 days straight and still got the same unprofessional response and I'm very upset about it.
Product: Credit card or prepaid card

I went to a concert event in XXXX on XX/XX/XXXX. When I paid for parking, the following Tuesday I noticed 2 payments posted to my account for the same amount. I called to dispute one transaction. 2 weeks later, I received a call saying that they need a receipt. The original parking place never gave me a receipt. I called my bank to advise them and they told me that they will not move forward without a receipt. After asking for a manager, the bank representative hung the phone up in my face. I called back and after a 30 mins hold I finally got a manager. The manager was not helpful at all. He basically wanted me to call the company again, even though I had no success the first time, and try to obtain a receipt. He refused to stay on the line, or even 3-way the merchant. Also, I don't understand if I was charged twice why a receipt would change anything. They advised me that they will not review my case until a receipt is provided. Even the manager at this point was trying to get me off the phone as he pushed me back to the merchant. Finally I opened a 2nd case as one transaction was done in XXXX florida and the other transaction was done in XXXX Florida. I have no idea what the XXXX transaction is as I was in XXXX during the timeframe and live in XXXX florida. Fifth Third needs to do a better job with assisting consumers with fraudulent transactions and not rush them off the phone.
Product: Credit reporting or other personal consumer reports

I have spent countless and countless and countless hours on the phone with PennyMac explaining the same thing over and over again. They assure me that this would never go on my credit report. I submitted a forbearance request to PennyMac to be able to handle some other bills ( but if it was denied I had the money to pay ). I told them this countless times and in my application. The offered to skip the XXXX payment and pay both XXXX and XXXX in XXXX ( which doesn't make sense ). I denied to which the person on the phone told me not to pay until I get my decision. I waited and waited and finally got it and I denied it because it made no sense and it felt like they didn't even bother to read my application. I called multiple times to tell them I did not want to be apart of the forbearance plan because I did not want anything on my credit report. They agreed and here I am with a late payment in XXXX when I paid in the beginning of XXXX. I called to escalate and left a voicemail and no one called back. I called again and they explained I will not have anything show up on my credit. And here I am with a XXXX late payment on my credit after explaining everything to them multiple times. I have called and called and nothing is getting through to them so this is one of my last options before looking at options to sue. They also have recorded out calls countless times and would like to hear those back if they deny my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I received an alert notification concerning an inquiry that was made to access my XXXX  and XXXX  credit file. Thanks to having a lock on my XXXX  file access was denied. However I had no lock or freeze on my XXXX  file. As a result an inquiry now appears from SYNB Travel/Entertainment requested on XX/XX/2020. I have not requested any form of credit within the past 90 days or more nor have I given permission for any institution to receive my credit file in the past 90 days or more. 

I attempted to contact SYNCB using the phone number XXXX XXXX XXXX XXXX on XX/XX/2020. XXXX informed my that they work with many companies and unless I am able to provide them with which specific company requested my file through them they would not be able to assist me. 

I contacted XXXX dispute department on XX/XX/2020. According to XXXX  it is against their policy to file a dispute for hard inquiry. Furthermore to have this dispute removed I would need to contact the creditor and have them provide a letter from the creditor to have the inquiry removed. This letter should be sent to XXXX dispute department. Moreover XXXX  informed me that they do not have any further information as to the specific company outside of SYNCB that requested to view my file. 

Despite contacting both XXXX  and SYNCB I have been unsuccessful in trying to find out what company requested my credit file and have this inquiry removed that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted a dispute with XXXX, XXXX, and Equifax stating that my address, and phone number were incorrect and needed to be updated. with my dispute I attached my driver 's license, XXXX phone bill, and social security card. I requested all 3 credit bureaus update my information. on XXXX XXXX and XX/XX/2023 I received notice via my XXXX XXXX that the information was accurate and verified. XXXX, XXXX, and Equifax violated my consumer rights. they did not provide valid information that they conducted a reasonable investigation or show how my information is accurate. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681i - Procedure in case of disputed accuracy a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Bank account or service

I believe my loan request was denied due to my age ... ..I 've been a member for over 14+ years, and attempted to obtain a consolidation loan ... .that 's key, as I wanted to return to the XXXX ... .the reason given after being put through several loops..it was denied!! I had a home loan that was paid off early, and when I got that, I owed more ... BUT was younger ... ..I was also lied to about a freeze ... no one else had this reaponse..I checked..
Product: Vehicle loan or lease

Greetings, Returning from the holidays, Ive received today in the mail a notice of repossession from Carmax Inc dated XX/XX/XXXX  pertaining to account # XXXX. On XX/XX/XXXX, Ive registered mail a negotiable instrument, ( registered security ) paying the balance in full, XXXX, delivered on XX/XX/23. Carmax Inc. has yet to reply, which is a violation of my consumer rights. 

Pursuant to the XXXX XXXX Codes for ex. UCC 3-603, 3-604, & Contract laws this is to inform you that you are in default of the above-referenced account number. 

Please be advised that I, XXXX XXXX, the holder of a certain promissory note/coupon dated XX/XX/XXXX  made by you in favor of me in the original principal amount of {$62000.00}. 
You are hereby notified that you have defaulted to honor the tender of payment that was sent to you in good faith. If I have made an error in endorsement, kindly return my negotiable instrument in which I may correct any sed errors. Would appreciate any instructions if need be to have this matter resolved. Its been almost three months without any notification or correspondence regarding the delivery. 

I also have attached a rescission letter, along with USC fair practices, for your review, as repossession is a violation of my consumer rights. ( see attachment ). 

Seemingly that is the only correspondence CarMax has been willing to express, Arbitration is not mandatory yet still can be filed if no compliance has been made. I Would like to work together to rectify this issue in a speedy manner, as I am very surprised Carmax Inc. chose to blatantly ignore and has not communicated regarding my security, leading now to threatening with notices of repossession. My main objective is to satisfy the public debt correctly and have this set off completely as PAID in FULL.

Ive protected myself by filing UCC1 in the state of Georgia, against all of my collateral including this vehicle. Lets please work on honoring the endorsement. Thx
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I pulled my report recently, and I noticed inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX  XXXX  XXXX XXXX # XXXX. This account was charged off in XXXX and closed! 

TRANSUNION violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$8700.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$8700.00} XX/XX/XXXX ; {$8700.00} XX/XX/XXXX ; {$8700.00} XX/XX/XXXX and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as Charge Off C/O on these dates from XX/XX/XXXX to XX/XX/XXXX ; late payment reported on XX/XX/XXXX - 120 days ; late payment reported on XX/XX/XXXX - 120 days ; late payment reported on XX/XX/XXXX - 120 days ; late payment reported on XX/XX/XXXX - 90 days ; late payment reported on XX/XX/XXXX - 60 days ; late payment reported on XX/XX/XXXX - 30 days. A Charge Off/Close Account must show NO Payment history or consecutively as C/O reported on my credit report. 

4. Delete this account, because it shows Credit Limit reported {$7500.00} from XX/XX/XXXX to XX/XX/XXXX. This account was charged off and closed in XXXX. This is inaccurate information. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my TRANSUNION Credit Report and circled the violations, TRANSUNION violated. 

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Checking or savings account

On XX/XX/2022 I went to the Wells Fargo on XXXX XXXX in XXXX Texas to deposit my check from a car accident settlement. The check was from the law firm in the amount of {$7300.00}. Due to getting off from work later than XXXX. I deposited it into the atm. I received a receipt that stated I would receive partials funds right now of {$400.00} and the remainder of the balance on XXXX. I checked my account on XXXX and theres no money deposited. Actually my balanced returned to my original balance before my initial payment. I called today on XXXX to see whats happened and it was stated that a hold was placed on my check. However the customer service agent couldnt tell me why. I never received a call or written notice of a hold. It stated my funds would be released next day and I havent received funds
Product: Student loan

I am a borrower with subsidized and unsubsidized federal student loans. I use the platform Nelnet with the auto debit service they offer called XXXX. They make the auto debit service attractive by offering 0.25 % deduction interest if you sign up. Little do they tell you that they pay off the lower interest loans before the higher interest loans. So, in reality, it costs more for the borrower to use the auto debt service, and they put the interest of making money before their borrowers. This is very disappointing for a federal loan program. I would expect more from our government.
Product: Debt collection

Hi, I was contacted in XX/XX/XXXX by XXXX XXXX XXXX regarding debt from medical service received in XX/XX/XXXX. However, I knew that this was already paid. The company began harassing me and even reported the debt and it was on my credit report. After months of back and forth, I finally received confirmation from the medical center that I do not owe any money. I wrote a letter to them in XX/XX/XXXX indicating that I do not owe the debt, sent proof, and told them to stop contacting me. In XX/XX/XXXX, they wrote back indicating that they can not verify the debt and that they will take it off my credit report and cease all future communications. This month, I received another invoice from XXXX XXXX XXXX  for the same charge back in XX/XX/XXXX. They are threatening to report on my credit report again and said this is my second notice but I did not receive a first. Below I have attached the two invoices ( from XX/XX/XXXX and XX/XX/XXXX ), the letter I sent in XX/XX/XXXX, their response letter in XX/XX/XXXX, and my itemized invoice from the medical center indicating that I owe no money.
Product: Credit reporting

XXXX XXXX XXXX hosted a XXXX time home buyers seminar that was mandatory to attend to qualify for an XXXX county first time home buyers grant. While attending this meeting the Host of XXXX XXXX XXXX stated we could get a free copy of our credit report from them and it would not count against us as it would be a soft inquiry. XXXX XXXX Mortgage handed out an application to get our free credit report right after that and we thought that is what we had to fill out to get the soft pull. 3 days later a hard inquiry is showing up from XXXX XXXX Mortgage. After speaking with XXXX XXXX Mortgage and XXXX XXXX XXXX, XXXX wrote a letter the other an email to help me get this removed from my report. I sent these letters as well as an explanation to the credit bureau 's. Their response was I could not request for an inquiry to be removed only the company that pulled the credit could call the business department to have it removed. I forwarded this information on to XXXX XXXX Mortgage and was told it would have to be reviewed by there back office to see what could be done. I never recieved correspondence for 2 weeks. I call back and was told that they were unwilling to do anything at this time. 
I would like this hard inquiry to be removed from my wife and I 's credit as it was in error pulled by the wrong company.
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am filing an urgent complaint regarding fraudulent charges and accounts that appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. These fraudulent accounts were initially removed from my credit report but were later re-reported without proper notification. The accounts were reinstated without notifying me within the required 5-day window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ), which constitutes a clear violation of my consumer rights. Additionally, the accounts are reported with inconsistent dates across different bureaus, suggesting further inaccuracies. The failure to notify me and provide the necessary documentation is illegal and violates my rights under 15 U.S.C. 1681 ( Fair Credit Reporting Act ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the furnishing of inaccurate information to credit reporting agencies. These unlawful actions have caused significant harm, and I demand immediate removal of these fraudulent accounts from my credit report. I am prepared to pursue legal action against both the bureaus and creditors involved for their failure to comply with federal law and protect my consumer rights. Thank you for your prompt attention to this matter. This is THE ACCOUNTS XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed wrong credit account balance with TransUnion a few times regarding the following loan account. 

1. XXXX XXXX - I paid {$3000.00} account balance in full to a {$0.00} balance in XX/XX/XXXX. I also provided TransUnion with proof but providing a paid in full letter I received from XXXX XXXX. However and despite proof of paid date, payment amount, and account status, TransUnion refuse to update my consumer credit report correctly. Report still shows the incorrect information of payment date as XX/XX/XXXX, which should be updated to XX/XX/XXXX. Balance still shows incorrect info of {$3000.00}, which balance should be {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX 8 late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was never late on the account listed above, please show me documentation showing proof of transaction showing that I was ever late to support your inaccurate reporting on my account. If you can not supply this documentation, please delete this alleged late payment ( s ) from my credit report. This institution is furnishing invalid late payments and is preventing me from being extended my credit. This has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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 written instruction 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. The FCRA allows 30 days for this to be rectified. After the late payments are rectified and corrected to reflect payments made on time, please provide me with a free updated copy of my report.
Product: Money transfer, virtual currency, or money service

I was banned from Venmo on XX/XX/year>. I was told the funds in my account ( {$470.00} ) would be held for 180 days to make sure there are no company losses. However they have no ground to ban me
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also sttes a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, my late husband opened up a Chase credit card account for himself, under his social security number. He passed away intestate on XXXX/XXXX/XXXX. I informed Chase several times that he had passed away intestate, and that I had not ever signed a credit agreement with them. 

Recently I was notified by XXXX that they had lowered my credit limit due to a delinquent credit obligation. I have excellent credit, and this was the first time I realized that there was something wrong.
Product: Checking or savings account

On XX/XX/XXXX I withdrew {$190.00} from XXXX XXXX XXXX XXXX XXXX, NV. I needed to go to casino to collect the funds I withdrew from my Chase bank account. I decided not to get the funds from casino and went home. Usually, casinos will refund the fund within XXXX hours. However, I noticed my account has not been credited. so I contacted XXXX XXXX  and asked what was the status of my credit. The supervisor cashier casino stated it will take XXXX business days to refund the money back to my account. On XXXX I contacted Chase bank and explained the situation, the customer service rep gave me a temporary credit until the funds come back to my account. on XX/XX/XXXX I noticed Chase reversed my credit, according to Chase XXXX  needed receipt to show that this transaction occurred at the casino. I went back to XXXX XXXX  regarding visa 's request. They stated that since there is no transaction, they have nothing to provide for XXXX to verify that I did not collect the funds. They suggested I contact XXXX ( ATM machine ) and ask for copy of the transaction. I contacted XXXX they email me a receipt of transaction and I faxed the copy to Chase bank. On XX/XX/XXXX I received yet another credit from Chase due to the fact I have proof that the transaction occurred, and I never collected the funds from the casino. I thought the situation was resolved, when again Chase debited my account for {$190.00} on XX/XX/XXXX. On XX/XX/XXXX I called Chase once again, and spoke with XXXX manager at claims dept and she stated that Chase can do nothing because XXXX XXXX stated that the funds were credit to me and there is nothing they can do too bad your out of funds. I was frustrated and stated this is a fraud and you need to investigate the matter. XXXX with Chase bank state she can not do anything and the matter has been resolved on there end. Now i'm out of {$190.00} and they refuse to help me get my credit back from the merchant.
Product: Debt collection

Moved out of apartment due to condition of carpet from previous owners having pets ... contacted management on several occasions and was told I could move without any penalty!
Product: Credit card

Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.