23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Per 15 U.S.C. 51681, you're in violation of my rights to privacy by reporting non-public personal information without my permission or consent. I demand immediate deletion of this data and formally opt out of any further reporting of such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres 13 hard inquiries in my credit score credit bureau refuse to delete them I even called all the companies that was posted on my credit score they cant even find me on there system and they dont have access to even send me letter to remove me but credit but asked me to get a police report I went to a police department to get a report they refuse to give me one cuz they said they dont have hard inquiries report please help me with cause I am exhausted about the situation that Im in.
Product: Student loan

Nelnet have not remove the late payment that was not correct on my credit report from when I put my student loan in repayment. They gave me 5 late payment for the amount owe on my student loan. Im trying to remove those from my credit file and also negotiate my debt to be paid off.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXas 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
Product: Debt collection

I experienced a personal injury situation where I hired a personal injury law firm who took over paying my medical bills during the law suit. once the law suit was settled my law firm delayed paying all of my medical bills. There were one bill from my XXXX XXXX XXXX XXXX firm that was turned over to Key Bridge Medical Collections to collect. I contacted my legal firm and they paid Key Bridge Medical in full for an amount of {$390.00}. Key Bridge Medical continues to say that they want this medical collection noted on all three consumer credit reporting agencies. XXXXXXXX emailed me that Key Bridge Medical wants the debt for medical reasons collection to be continued to be noted on my credit report and XXXX refuses to delete it even when I informed them that medical collection issues were no longer supposed to be reported to the credit bureaus and in my case is even paid in full years ago.
Product: Debt collection

I am a victim of human trafficking, as well as identity theft, and this account was opened fraudulently under my name resulting in unpaid payments, leading it to go into collections and placed on my credit report. This collection is negatively affecting my credit port, and I would like it blocked as soon as possible..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 Transunion removed an account from my report that was not mine. That account was also sold to a collection company XXXX XXXX. I have submitted 4 times for this collection to be removed also, but Transunion never does it. It is in violation of the FCRA to have a collection account report when the original creditor has been removed. I don't know how else to resolve this. Please help
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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
Product: Payday loan, title loan, or personal loan

We have called XXXX XXXX to have them explain how a loan balance of XXXX accrued XXXX of interest in 13 months. On XX/XX/XXXX, a payment of XXXX was applied to my account. This left a balance of XXXX. The office in XXXX informed my wife that they could not accept a full pay off from her because she was not on the loan. This was really odd to us. On XX/XX/XXXX, we paid off the loan. The pay off amount was XXXX. I still don't understand how they came with this pay off. 

The interest rate on the loan is 25.00 %. When I calculate the interest based on the loan amount, the interest should be around {$37.00}. I have been sent a copy of the my agreement but I can't find it were is states I'm responsible for the full amount of the interest of the loan assessed on the full loan amount for the full term no matter when I pay it off. 

I did find a " Prepayment '' section stating that I would be refunded the unearned portion of the Finance Charge interest if the loan was p. As of today, I have not received a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, I'm notified that I'm entitled to my credit file, and once again ALL THREE bureaus found an arbitrary means of denying my request : Transunion : Sorry, you have an open dispute, so we can't provide your report XXXX : Sorry, we can't verify your identity, so we can't provide your report. 
XXXX : Sorry, we can't give you your report, but we don't know why. 

This is the third time that I'm making this complaint. I'm tired of it.
Product: Mortgage

I have a construction to perm loan with Ameris Bank. On XX/XX/2022, Ameris Bank, denied a rate lock highlighting that my employment status was : 1. unverifiable and that 2. length of employment was also unverifiable. The rejection letter also erroneously indicated a. ) serious delinquencies b. ) number of accounts with delinquencies and c. ) derogatory public record relative to my credit file ( see attachment ). 

As such, a rate lock which I was told would be honored until a XXXX of XXXX  for new build construction loan was obtained was denied. This immediately follows the decision to no longer honor the terms of previously approved 30 year construction to perm loan at a 4 % conversion rate. Ameris bank indicated that XXXX related construction and global supply chain delays are an insufficient basis to honor terms ; no interest payments have been missed. 

My credit score ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX ; I am employed and currently earn 20 % more than when initially approved ( see YTD earning ). Initial loan amount of XXXX after construction build out is now XXXX M ( per Ameris bank appraisal ). 

This is my primary residence and I have not missed an interest payment. The aforementioned actions taken by Ameris Bank materially impact my ability to maintain my home. Ameris Bank has provided erroneous credit and employment findings in an attempt to force a first time home owner into a predatory style loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account with Experian in XX/XX/XXXX and XX/XX/XXXX for a company called XXXX XXXX XXXX, with the original creditor being XXXX XXXX, due to inaccurate information being reported on my Experian credit report. My second dispute in XX/XX/XXXX included documentation proving that the information being reported on my credit report is inaccurate. I disputed the balance and the open date. The outcome of both disputes was that the information is being reported accurately. However, two representatives at Experian told me via phone on XX/XX/XXXX that they did receive my documentation, but the documentation did not get attached to the dispute. I requested to speak to a supervisor, who only offered to open another dispute. This is not the right resolution at this point as I already disputed the account twice and included documentation as proof. It is not my fault that Experian 's employee did not attach my documentation to the dispute. I requested that the supervisor delete the account for failure to investigate my dispute properly and inaccurate information being report. The supervisor in the dispute department, XXXX, refused to delete the account and she abruptly hung up on me while I was talking. I have attached a document showing the balance and open date that this company is reporting on my credit report, a document showing the correct balance and correct open date, and my second dispute letter to Experian. 

I am resubmitting this complaint because Experian responding that they need authorization. You don't need authorization from myself. I attached my driver license if that makes it easier for you. Stop stalling! I called in to give authorization to move the complaint along, but your employees are incompetent, and didn't know what to do ...
Product: Checking or savings account

I contacted cash app support to find out why I had accounts using my information to get direct deposit from VA benefits and unemployment benefits and they verified this was taken place when I didn't have the information about the account they refuse to put a stop to it and I believe it's still going on I didn't have the information because the fraudster opened up the accounts to take the benefits using my information and changed the address and other information. XXXX  has the same thing going on and when I tried to transfer over {>= $1,000,000} to my account it went through then they pulled the fund 's back and the account was closed XXXXXXXX XXXX had an IRA ACCOUNT THAT I DIDN'T KNOW ABOUT and by the time I found it they closed the account out also the same people have been stealing from different banks for over a year now and I'm one step behind them but I could have caught them months ago if cash app and XXXX  would have just took the time to verify my identity and did there homework I'm sitting here and can't even keep my phone bill paid wile the thieves are sucking me dry, they have put in false papers to keep everything confused like a false marriage document and from what I gathered false Court documents of different kinds
Product: Checking or savings account

BBVA was bought out by PNC bank. We were assured the transition would be seamless. However over the bank transition weekend we had no access to our accounts online. I was unable to access my accounts for several days afterward resulting in overdrafts and fees. Once I was able to regain access my accounts were no longer linked and I was not able to transfer money between them online or through the app but had to either go to a branch or withdraw cash from one account at the atm and deposit it to another ( which didnt always work depending on the status of the atm ). I tried getting help at the local branch but received different responses and no solution. Customer service never answered phone calls. I did not receive help until I posted complaints on social media where I was advised to complete an account linking form and was told the problem would be resolved by the following week. That was XX/XX/XXXX and the problem has not been resolved. The leadership of PNC has failed to acknowledge the distress and inconvenience this transition has caused. I have contacted PNC twice since the XXXX to check the status of my request and have only been told I have to wait for the process to be complete. This process was something I had and appreciated as a BBVA customer and was assured that it would be available to me as a PNC customer. I didnt not ask for this merger to occur and it caused me weeks of emotional distress and extreme inconvenience as a small business owner that continues to occur.
Product: Money transfer, virtual currency, or money service

My online banking was hacked using my email. A XXXX XXXX was sent in the amount of XXXX. 

I got an email saying the transfer initiated XX/XX/XXXX but did not happen till XX/XX/XXXX. Wells Fargo sent an affidavit requesting to cancel the transfer but it was denied and the transaction posted. 

I called my bank immediately on getting the email XX/XX/XXXX. I reported it. I changed my checking and debit card numbers. There was a second XXXX XXXX already set up to go out and the bank cancelled that one. 

I froze my credit. I changed my gmail password. 

The bank is investigating and still hasnt given me my money or provisional credit. 

I found out from the bank that the XXXX XXXX paid was an XXXX credit card. 

I called and confirmed with XXXX I have no open credit cards or relationship with XXXX XXXX. 

I told the bank I confirmed with XXXX that I have no credit cards with XXXX. I also confirmed with XXXX XXXX I have no relationship with them. 

I also told bank my gmail was hacked because I got XXXX junk emails. I told them I changed my password.
Product: Credit reporting or other personal consumer reports

I filed a XXXX XXXXXXXX bankruptcy in XXXX of XXXX. This account with Barnhall Financial is included in that bankruptcy. They took it off at that time. Then added it back months later and is now reporting that Im late every month instead of stating its included in bankruptcy like other companies did. I have told them. I have disputed multiple times with the credit u ions and the company tells them the info is accurate. Im not sure what else to do to have them stop reporting. They tried to repossess my car after telling them I was filing bankruptcy.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a matter of utmost importance regarding fraudulent activity on my credit report. i have disputed this account with you now three times to no avail According to the Fair Credit Reporting Act ( FCRA ), specifically 605B, I am entitled to request an immediate block on any fraudulent accounts resulting from identity theft. Upon reviewing my credit report, I have discovered an account under my name that I did not authorize nor open. The account in question is with XXXX XXXX XXXX, and it has been flagged as fraudulent by me. this account has already been verified as inaccurate and removed by XXXX and XXXX but still remains on Experian This discrepancy is a clear indication of identity theft, and as such, I am invoking my rights under the FCRA to have this account blocked immediately. I have attached a copy of the police report and ftc report filed in connection with this identity theft incident for your reference and records. According to FCRA 605B, you are required to block the fraudulent information within four business days upon receiving a written request from the victim of identity theft. todays date is XX/XX/year> I am formally requesting that you initiate this block on the XXXX XXXX XXXX account within the stipulated timeframe. Failure to comply with this request within the specified timeframe will result in a violation of the FCRA, and I will be forced to take legal action to protect my rights under the law. I urge you to act swiftly and responsibly in handling this matter to prevent further harm to my credit and financial well-being. Please acknowledge receipt of this letter and confirm the initiation of the account block within four business days only to this email address XXXX not by mail. You can reach me at the contact information provided above if you require any further documentation or clarification regarding this matter. Thank you for your prompt attention to this urgent request.
Product: Credit card or prepaid card

Wells Fargo is refusing to refund monies owed to me and it is unacceptable. 

I closed my credit card with Wells Fargo back in XX/XX/XXXX or XX/XX/XXXX. There was a credit balance of {$25.00} that Wells Fargo says they mailed to me. However, I never received it. I contacted them on XX/XX/XXXX advising them of this and asking how I could go about getting the monies owed. Their response to my inquiry was that they had sent it. I again advised them that I had not received it. Their next message on XX/XX/XXXX stated : " Our records show that the check was mailed to you on XX/XX/XXXX. Before I can place a stop payment on the requested check, I am required to have an affidavit form and cover letter completed and returned to us.You will shortly be receiving in the mail the documents required to submit a stop payment on check number XXXX in the amount of {$25.00}. I never received these documents, so I again contacted Wells Fargo.On XX/XX/XXXX I wrote the following : " It has been 2 1/2 weeks and I still have not received the documents. How am I to get these documents? Can these be picked up and signed for at a branch? This really shouldn't be that hard. I should not have to keep logging into an account that I closed some time ago. '' Now, Wells Fargo response is that I need to go through the Non-Fraud Claims.
Product: Checking or savings account

Fifth Third Bank 's mobile banking app and website are down 2-3 times a week, making it impossible to access your accounts for anything, and sometimes even using the card. Their customer service is only open until XXXX on a Saturday ( the day the issue occurred XX/XX/2020 ), leaving customers with no explanation other than they're experiencing difficulties with the network. There was recently a data breach from their own employees, they offer no explanation or turn-around time for issues, and makes accessing your money completely impossible until they decide to resolve whatever issue is occurring.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XXXX XXXX XXXX until XXXX XXXX I Mr.XXXX.XXXX.XXXX  Contacted experian 25 times trying to have a fraud alert remove and I XXXX  .XXXX. XXXX  follow all the procedures by phone on line in the app and my request was still denied after I answer all the questions correctly I was informed my answer was wrong when in fact all were correct and when I requested a supervisor I was denied the treatment is very rude and the customer is ignored treated like a number instead of person all I wanted was to remove a fraud alert XXXX XXXX completed with no problems XXXX  completed with no problems Yet experian is treating me this way this uncalled for and no one deserves to be treated in this manner for no reason
Product: Checking or savings account

I first received a letter from Chase Bnk that I owed them money from account that I had opened online. They were requesting a past due balance of {$330.00}. I have never had any affiliation with Chase Bank and wanted to know more about the complaint. Since I could not get a police report they will not give me info as to how the account was opened without any I.D . or signature.
Product: Credit reporting 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. 

Account Name : 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. Or a list of inquiries : 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 card or prepaid card

My First Progress card was stolen. I reported it to the company and asked them to prevent reverse the fraudulent charges on the account and prevent further fraudulent charges. From what I can tell, they issued a second credit card and allowed fraudulent charges on that and kept two accounts running then failed to post payments to either account. Because of this, I was assessed a late fee and now have a balance of {$520.00}. 

I would like the company to cooperate in an identity theft investigation by closing the account and providing copies of all charges on the account with the transaction type and identity verification used. This request has been made to the company pursuant to California XXXX XXXX which requires parties to cooperate or be subject to a fine of {$100.00} per day paid directly to the injured party ( California XXXX XXXX XXXX XXXX ( XXXX ) " ( XXXX ) In addition to any other civil remedy available, the victim may bring a civil action against the entity for damages, injunctive relief or other equitable relief, and a penalty of XXXX XXXX dollars ( {$100.00} ) per day of noncompliance, plus reasonable attorneys ' fees. '' )
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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX and XXXX  XXXX. 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 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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX tx XXXX I disputed with the company listed above that this account is accurate and has never been late i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit card or prepaid card

Opened acct in XX/XX/2022. Waited for card but never arrived. Out of abundance of caution so card is not in the hands of someone else, I made a follow up call and guy was able to report card as lost and request replacement to he mailed. He told me be on lookout for white envelope. Address verified as to where it was sent. 2 weeks went by, again no card. Called & spoke to several agents, none who could help except to try to transfer me off & get the call disconnected. After numerous frustrated attempts, asked for manager and told her I did not get my card. She said it could be due to an address issue and that she would ensure someone calls me back. Never got any call except a letter that said a replacement card can not be sent because address on cr bureau not the same? I said I can mail you proof of my address, its the same as my JCrew of which I received that card with no issue. 
They asked me address from way back, I gave them an answer, the guy on phone said I failed. Huh? What kind of verifying my address that way is legit? 
So now im stuck with an open account but clueless what my account number is because they wont send me the card!