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

XXXX, Equifax, XXXX  all show inquiries to businesses that I have never given permission to there were too many for me to list hard inquiries as well as soft
Product: Credit reporting, credit repair services, or other personal consumer reports

I am member of the class of federal student loan borrowers covered by the recent settlement of the Sweet v. Cardona ( " Sweet '' ) lawsuit. I submitted a Borrower Defense to Repayment discharge application relating to my federal student loan ( s ) on or before XX/XX/XXXX, and it was approved. Pursuant to the Sweet v. Cardona settlement, this account must read " Paid Satisfactorily '' and ALL ( past, current, future ) fraudulent payment information is to be updated to " paid on time ''. I have also attached my dispute letters from XX/XX/XXXX that were sent to XXXX and Experian
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I uploaded an identity theft report online to Experian. On XX/XX/XXXX the dispute was completed & the account remained on my credit report.
Product: Payday loan, title loan, or personal loan

The bank approved a very obvious fraudulent personal loan for {$35000.00}. They did not verify the address. The address they have on file is a fake address.
Product: Credit reporting or other personal consumer reports

Please Re Investigate the Inaccurate information you are reporting on my credit report. It is illegal to report information you know to be inaccuarte. You are not in Metro 2 guidelines. IF you do not remove accounts that are disputed you will be civil liable for willful non compliance.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the two Bureaus, Transunion and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I went into XXXX to purchase a phone. During the encounter I felt uneasy about the sales agent and because he was pushy and not really answering my questions and concerns I decided after 9 days that I would return the phone. I was told that I had 14 days to return the phone and I may be charged a {$50.00} restock fee. I returned the phone and was given a refund. The representative that took the phone did not scan the phone in from what Ive been told multiple times. Due to him not scanning the phone the balance was never zeroed put resulting in a false balance showing on my credit for {$780.00} dollars. I have had my credit ruined because of it. Ive been denied home loans and personal loans because of it. I have recorded calls of me speaking to XXXX representatives confirming the error is on them. My information has been sent to a debt collector who has bullied and harassed me despite telling them I dont owe XXXX XXXX I have been denied a contract phone due to this debt as well. My credit went from XXXX late payments to this reporting monthly as late and delinquent. The phone has been resold and I received a refund for what I paid in store. Despite sending this information to the credit bureaus they keep reporting this debt as verified. XXXX has confirmed the phone was resold and I have the tracking number but Im continuing to be punished and my personal and business name tarnished due to this.
Product: Credit reporting or other personal consumer reports

I recently tried to login to view my credit report however I was told I couldn't login my account due to a blockage and that I needed to send in a letter requesting a change of address with my identification along with a bill showing my address I sent a copy of my id, a bill, along with a changed of address letter with my personal information on it.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX I purchased an XXXX laptop computer for my daughter attending her XXXX  year of college. In the store I was informed that they offered a " same as cash '' offer from BarclayCard that as long as I signed up for " autopay '' there would be no interest. 

After a week or so I received the traditional credit card disclosures from BarclayCard and a credit card I have not used. However, I did not receive ANY materials regarding the fact that the " interest free '' period would come to an end. Nor did I receive a date upon which it would end, thus triggering the balance of ALL interest ( since the initial balance ) coming due. 

Upon noticing the change in payments I contacted BarclayCard and was informed the following : We apologize for the confusion regarding the interest charges. Upon review of your account, your deferred interest promotion expired on XX/XX/XXXX. 

Deferred interest financing offers give you an extended amount of time to pay off purchases without being charged finance charges - as long as the promotional balance is paid in full by the end of the promotional period. If the purchase is not paid in full by the promotional expiration date displayed on your monthly statement, the finance charges that have been deferred during that promotional period will be billed to your account at the purchase APR 15.49 %. 

All of the details surrounding your promotional balance are outlined on your monthly billing statement. While minimum monthly payments are required throughout the promotional period, making only minimum monthly payments doesnt guarantee that your purchase ( s ) will be paid in full by the financing offer expiration date. Additional payment ( s ) may be required to avoid interest charges. 

Since the expiration of your promotion, you have been charged {$630.00} in differed interest and {$170.00} in purchase interest. 

We hope you find this information helpful, and we thank you for your continued business. If you have any other questions or concerns, please reply to this message. 

Sincerely, Customer Care
Product: Credit reporting, credit repair services, or other personal consumer reports

Contact info Address XXXX XXXX XXXX XXXX, DE XXXX Phone number By mail only NO NUMBER TO CALL, THIS COMPANY IS FRAUD, THIS ACCOUNT IS FRAUD
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYONG A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE '. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells fargo has to be the most INSECURE bank in the industry. This is my 2n complaint about FRAUDULENT XXXX transfers being my from my account. Wells fargo has failed to reimburse my initial claim on XX/XX/XXXX for XXXX now someone has hacked into my account and sent over XXXX total via XXXX. I have transferred over {$100000.00} out of my wells fargo account and I am in the process of transferring the rest of my money out about {$20000.00}. I am looking for Wells fargo to refund ALL of my money back to my account. I am going to the POLICE department and the FTC and the CFPB this is RIDICULOUS! 

Claim number : XXXX. Please stand by for CFPB case number.
Product: Checking or savings account

My estranged spouse and I XXXX XXXX XXXX XXXX and had a joint business account with Wells Fargo. We both went in to the branch together and set up the account, we are both owners of the business. 

After he had to leave the home due to XXXX XXXX issues he went into the branch, the banker removed me from our account without my knowledge or permission. I am not only off of my business account, I am not even a customer at the bank now. I can not even access any banking records from before I was removed without consent. My husband is now in full control of the business finances, and not paying taxes. I have been completely destroyed by this and my credit and future are in serious danger, I am getting letters from the state and IRS and have no way to even begin to deal with the tax issue because I cant access any records. He was also allowed to open up a new account where I believe he hides the business income. 

I have made contact with several people at Wells Fargo and they all seem to know how bad this mistake has been and just seem to pass it along until they have now stopped returning my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified mail return receipt shows Transunion received my dispute letter on XX/XX/20 at XXXX XXXX, signed by Transunion representative. See attachment. According to federal law, they have 30 days to investigate or the items should be deleted. 30 days has passed since they received my dispute letter. The negative items should be deleted, according to federal law - not reinvestigated.
Product: Checking or savings account

On XX/XX/XXXX I received an alert asking if I had written a check for {$5000.00}. I replied " NO ''. I checked my account and a check for {$5000.00} had been presented but was returned. My account was put on " lock-down '', I changed my password and the next day I filed a police report. 
In XXXX I noticed an unusual telephone number ending in XXXX on the security verification page of the on-line banking feature and brought it to the attention of the bank and the telephone number was removed. 
In XXXX I was told that the Lock-down '' had been on the account long enough and that it should be removed, I pushed back, requesting that the status remain until after the holidays and was told that it had been long enough. 
XXXX fraudulent checks were presented on XX/XX/XXXX and XX/XX/XXXX. The first made payable to XXXX XXXX for {$1900.00} dated XX/XX/XXXX and the second made payable to XXXX XXXX for {$500.00} on XX/XX/XXXX. 
I completed an Affidavit of Fraud at the XXXX XXXX XXXX on XX/XX/XXXX. 
The bank returned the {$500.00}, but not the {$1900.00}. 
I spoke with the Fraud Department to appeal their decision on XX/XX/XXXX and was told that there was nothing they could do. 
I had had that account for over XXXX XXXX and, among other things, feel that I am being penalized for loyalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Chase Auto - Inquiry From XX/XX/XXXX Est date of Removal : XX/XX/XXXX This Inquiry was not me. this is a result of identity theft. 
I was paying XXXX XXXX & XXXX XXXX XXXX to fix this and it never was removed from my Credit Reports.
Product: Bank account or service

Im being denied checking and saving accounts because of PNC bank and as well as XXXX XXXX XXXX claiming I defrauded them which never happened. Something needs to be done about that ... ....
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit file following a recent data breach that compromised my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights to have the following accounts and inquiries removed from my credit report. 
Accounts to Be Blocked and Deleted : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I opened a city checking account due to a targeted bonus they send me. The bonus read like EARN UP TO XXXX AAdvantage  bonus miles after completing all required activities. By XX/XX/2023 I should have completed all required activities to earn the XXXX AAdvantage bonus miles. The offer stated YOUR AAdvantage bonus miles will be credited to your AAdvantage  account within XXXX calendar days from the date you complete all required activities. It has been more than 30 calendar days since the date I completed all required activities. I spoke to a Citi representative through their app on Friday XX/XX/2023 to confirm that I have completed all required activities, which they confirmed. I am wondering where my bonus miles are. The rep said the miles should be credited within the end of the month of XXXX. It is now XX/XX/XXXX and I am without my earned bonus miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX account number 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 : Also states a consumer reporting agency can not furnish an account without my written permission.
Product: Checking or savings account

i had many issues with my old account being compromised. The last time the PNC bank called me telling me that i needed to go personally to a branch. We opened a new account and the old one decided to leave it open just in case my job and social security administration would deposit the money on the old account, the account had a hold. I would say in XXXX ( cant remember well ) called the fraud department so they can have removed the hold and transfer a balance that I had in my old account so I could close the old account. For my surprised, the person that I spoke with from the fraud department, told me that there was an overdraft of {$220.00}, which I dont understand why is that, when I was having a balance by that time. I went to another branch of pnc to close the old account, the person that I spoke with told me that it was not possible to close the account because of the hold on that old account, but said he would call ( Im not sure where ) to remove the hold so we can close that account and he was going to call me back. Never received the call..for my surprise, the bank transfer over {$200.00} from my new account to old account that had and overdraft ( which shouldnt be any in the first place ). My experience with PNC has been a disaster, not only my old account was comprised many times, my sons, my mothers account, but transfers funds from my new account to and overdraft that again, should have any, and on top of that, I have spoken to a person from the escalations department from PNC and they dont even cant figure out what happened on that account, told me was going to call me and yet im waiting. Im disputing the {$200.00} that was transfer from my active account. If this is not resolved, im willing to contact a lawyer. I dont feel at ease having my money with this bank. One day I have money and the next day my new account is in danger to be overdraft because of the old account? And then the application is showing the {$200.00} back again in my account and in a matter of minutes the money disappears again. Its ridiculous. I have spent hours ( during work ) on the phone trying to get this resolved.
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. 
DPT ED / XXXX # XXXX DPT ED / XXXX # XXXX DPT ED / XXXX # XXXX DPT / XXXX # XXXX DPT/ XXXX # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX mi XXXX Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$1800.00} XXXX XXXX XXXX {$2100.00} XXXX - XXXX {$1100.00} XXXX XXXX - XXXX {$1100.00} XXXX - XXXX {$1500.00} XXXX - XXXX {$220.00} XXXX XXXX - XXXX {$0.00} XXXX XXXX - XXXX {$390.00} XXXX XXXX - XXXX {$580.00} XXXX XXXX - XXXX {$1500.00}
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please delete these accounts immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I mailed over a dispute letter to Experian disputing the completeness and accuracy for accounts on my credit report. I recently received a response from Experian that was issued by them on XX/XX/XXXXthat they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver license and proof of address.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, a payment to GM Financial was incorrectly reported as late to the credit bureaus. Upon discovering this error, I contacted GM Financial to dispute the late payment. I spoke with a XXXX who agreed to submit a dispute to the credit bureaus to correct this error. However, as of today, I have not received confirmation that this dispute was actually submitted. 
I have made multiple attempts to follow up with GM Financial 's customer service to verify if the dispute was submitted as promised. Despite these efforts, I have not received clear confirmation that the necessary steps have been taken to correct this error on my credit report. 
This incorrectly reported late payment has negatively impacted my XXXX XXXX. I am seeking to have GM Financial follow through on their commitment to submit the dispute to the credit bureaus and to have the late payment for XX/XX/2024 removed from my credit reports.
Product: Debt collection

Tuesday XX/XX/2021 Credence Resource Management contacted me. I have received a call before super nice person. I am XXXX and she put a hardship on it for 30days. Today I get a call tell him I'm still XXXX also explain to him the small details of the acct. He explained that I had 2 choice either take responsibility for the account or file a police report. A few times I said " that's a super hard thing to do and it's not something I can just decide '' he kept telling me I had that two choices and I asked if I had to make that decision right now he said yes. I told him I couldn't he kept trying to force me to I told him I wasnt able to adequately make that decision right now he then proceeded to ask me if I was under the influence and that I sounded just fine. He just talked over me and didn't let me speak. I told him again I could not make that decision right now and that at this point he was harassing me. 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 Which is also information I am not required to give him. He said in the beginning of the call that the information collected would be used to collect debt. He was trying to squeeze decisions I could not make for the benefit of the collection agency. His harassment was to strictly benefit the debt collector. He is not of authority to force me to make decisions in regards to my life.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly notify the furnisher of that information that the information has been modified or delete from the file of the consumer. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The personal information is incorrect please remove this from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The personal information is incorrect please remove this from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The personal information is incorrect please remove this from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist