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

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 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 delete The following inquiries are unauthorized : Creditor : XXXX   Inquiry Dates : XX/XX/2018 - XX/XX/2018 - XX/XX/2018
Product: Mortgage

The short sale documents were sent on XX/XX/2019 and right away the POC XXXX XXXX said that she can not accept the settlement statement with {$83.00}, XXXX. So we advised her that we are going to dispute value, however, she referred us to the Appraisal company, so we contacted the Appraisal company but then they referred us to HUD and HUD referred us back to the Fifth Third Bank. So we got back to Fifth Third Bank and they then assisted us regarding the Value Dispute. 5 days were wasted because of the misinformation. Only then on XX/XX/2019 that we received a decision from the appraiser that he is not changing his value. 
And now, the short sale documents are still being reviewed and can not give an ETA. 
We are about to lose the buyer.
Product: Debt collection

I have sent TransUnion and XXXX XXXX letters, and documents of proof that the account is not mine. I have also let XXXX XXXX  now that the address that they are reporting on the account is not mine. I have never lived there. Its not reported on my credit report because its not an address associated with me. I have let them know this multiple times along with cinnamon documentation that shows my actual signature along with me stating that my information was stolen years ago. That includes my Social Security, my ID and a lot of other important documentation, including my birth certificate. This account was open without my knowledge which is fraudulent, and it needs to be removed from my credit immediately.
Product: Checking or savings account

I am enrolled in the opps program and still was charged overdraft fees.
Product: Checking or savings account

Opened new account XX/XX/2023 at Regions Bank. 

Went to deposit my payroll check of {$1000.00} on XX/XX/2023. Funds were not available upon despoiling, I called the branch and was told it would be available after midnight the following day. None of this was told to me while in the drive thru of depositing. Later that day, the mobile banking application showed funds were being held for 2 weeks and my funds would not be available until XX/XX/2023. Received a email stating they were holding my funds due to my account being repeatedly overdrawn for 6 plus months and my account wasnt even a month old and it was never in a negative balance. I called the XXXX telephone number and was told to contact the branch to get this hold released. I have made several attempts to speak with the bank and branch manager to get this resolved and they have all be very inconsiderate and rude. They have made none of my funds available, they refuse to release the hold because they state they cant lose their job if the check is no good. They had a lot of time to get that check verified they day I deposited it or even business days afterwards but they refused to do so. That leaving me no access to my hard earned money. I have direct deposit but they first check must be a live check for one pay period before direct deposit takes affect. This bank falsely stating my account to be delinquent in order to hold funds is not right. They refuse to do anything and now have caused me to fall behind on my dues and providing for my children because they want to be negligent. This bank needs to be held accountable for their unlawful practices. How can they hold a official payroll check with zero verification of being legit for 2 weeks without making any of it available to the payee?? They stated if I would have came in and cashed the check and turned around and deposited the cash this wouldnt have happened. The Branch manager who refuses to help and is extremely rude is XXXX XXXX ( maybe XXXX ) not sure of the spelling. Something needs to be done in this matter. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I do not recognize the information listed below and request that you investigate these accounts and ascertain that these accounts are listed accurately on my file. These accounts have impacted my ability to receive credit and have provided unnecessary inconvenience. As you know it is my right to request a proper investigation. According to the Federal Credit Report Act, you are required to respond to my dispute within 30 days of receipt of this letter. If Experian fails to offer a response to my dispute, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. The following items I do not recognize. 

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

XXXX XXXX look at what you just sent me XXXX XXXX of this matter a statement dated XX/XX/2023 which when i got i paid imediatly i paid more before that in XXXX when i taught it was XXXX XXXX which you guys put on account but didnt make the amount you guys wanted till i got the bill in XXXX i had no idea what was going on i taught it was taxes and tried to pay mid XXXX which i get no credit for
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 XXXX XXXX initiated a wire transfer ( # : XXXX ) through my business bank account ( for XXXX XXXX XXXX XXXX XXXX in the sum of {$6800.00} absent my authorization to an individual unknown to me, named XXXX XXXX. This money was sent through wire transfer from my business bank account to XXXX XXXX at his Bank, Routing Number XXXX, account number XXXX. I was inadequately and improperly notified by XXXX XXXX of this specific transaction, and when I went to dispute this wire transfer ( which took place on the eve of XX/XX/2020 XXXX, I was advised by XXXX XXXX that the money was already withdrawn from XXXX XXXX 's Capital One Bank account early in the morning on XX/XX/2020. Thus, XXXX XXXX did not take proper precautions to confirm this exact wire transfer, and Capital One never took precautions to hold this transfer of money in abeyance until such transaction was confirmed. It is my understanding under the federal and state banking guidelines that the appropriate time period should have been at least a 24 hour period for clearance of funds. Capital One reneged upon enforcing any fraud action against their customer, XXXX XXXX, and XXXX XXXX disclosed XXXX XXXX ' address which is XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX and told me to go after XXXX XXXX myself, that because of Covid 19, they are not exercising all of their duties and regulations as what was more carefully done in the past. I expect as an American Citizen, that the banking regulations and laws would protect me in such a situation, and that it is their responsibility to do so and not have me personally resort to debt collection with an individual who clearly committed fraud and larceny under the law. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX ( XXXX ) XXXX
Product: Checking or savings account

On the night of XX/XX/XXXX my Bank of America account was charged for a total of {$300.00} at several shops where I do not shop ( XXXX XXXX, XXXX location I do not shop at, XXXX and XXXX 's XXXX. My debit card number was stolen and used without my authorization. I submitted my claim through the proper channels and my claim was denied, despite their advertising that my account is protected from unauthorized purchases with " Total Fraud Protection ''. 

On the denial notice Bank of America sent cited that my claim was denied because I had " authorized the charges '' but this is simply not true. In fact i was made aware of the charges because Bank of America 's software froze my account because the spending pattern was unusual.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I checked on credit report and noticed on XX/XX/2024 a request was made for supplemental information on my checking account and demand deposit account activity as well as public records and residential information. 

I contacted Transunion on XX/XX/2024 to obtain the name of the company requesting this information as it wasn't shown on the report and only showed a generic description of " Transunion consumer inte ''. The representative could not tell me the name of the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : # XXXX XXXX XXXX XXXXXXXX, XXXX {$310.00}. XX/XX/XXXX Account name : #, XXXX XXXX XX/XX/XXXX {$260.00}. 
Account name : #, XXXX Number XX/XX/XXXX Account name : # XXXX XXXX XX/XX/XXXX {$280.00} Account name : # XXXX. XX/XX/XXXX {$95.00} Account name : # XXXX XXXX XX/XX/XXXX {$870.00} 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 contacted the credit bureaus multiple times about these XXXX accounts from XXXX XXXX. These accounts are incorrect! There should only be XXXX account and the balance isn't correct. I have sent proof of payment to the bureaus but they continue to allow this company to ruin my credit report. This has cost me thousands of dollars in interest & has been going on way too long. 

I will be forced to file a formal complaint with the FTC shall they continue to operate disregarding the law. I also intend to seek redress in civil action for recovery of damage, costs, and attorney fees. 

For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX acct number XXXX with a balance of {$7600.00} and a collections account opened at XXXX acct number XXXX with a balance of {$420.00}, XXXX  account XXXX with a balance of {$150.00}, XXXX acct XXXX with a balance of {$0.00}, XXXX XXXX XXXX acct XXXX with a balance of {$39000.00}, XXXXXXXX XXXX XXXX Ref : XXXX, XXXX XXXX ( inquiries ), XXXX ( inquiries ), XXXX XXXX XXXX ( inquiries ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and ineesitofCentythetand fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized that I have a ton of inquires that I did not authorize and it is a lot of work to contact these companies. By time I get off work the credit reporting agencies are closed. Being that XXXX, XXXX and Experian are reporting these inquiries I would like them to remove them.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Bank of America has continuously miss the auto payment even after I have set it up with their representative. They said that my auto pay was canceled in XXXX but I never did this action. I called their representative and set up the auto pay again, the credit card bill was auto payed in XXXX, in XXXX the bill did not auto pay and so I was charged with late fee charge and interest charge on my credit card. Previous months I was able to get these refunded but this month they continue to say that my autopay was not set up and refuse to refund these fees and interest charges. They kept saying that they do not have access to autopay implying that I canceled the autopay myself, when I have not. When I called in XXXX I clearly asked the representative about wether the auto payment was set up for monthly and 3 days before closing date or not, and they said yes.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> at XXXX I called after numerous attempts at getting my security freeze lifted via transunion website and it kept telling me to call their number XXXX. Which I did about 6 times again the automated system disconnected me. In one instance, I chose to have the system call me back once a representative was available and the system called me back but, no one was on the line. Then I called back and waited an hour for a Representative. The Representative I spoke to was a lady named XXXX XXXX who I think messed up asking me some verification questions and was told they couldn't verify my identity after giving her my Full Name, SSN, Address, Email, DOB and Phone number. I then was told to call again in order to get another Representative and go through the process again. To which the new Representative asked the same questions and he was able to gain clearance to the lift of my security. This whole ordeal was ridiculous and no company should have such incompetence when dealing with people and their rights.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial Institution : Goldman Sachs Bank USA Product : Apple Card ( Credit Card ) Description of the Incident : On XXXX XXXX XXXX XXXX XXXX XXXX I unexpectedly received notification that my Apple Card account was closed. Despite my frequent use and maintaining a XXXX balance, the account was abruptly closed without a detailed explanation. The communication stated that I could request specific reasons for the closure from an Apple Card Specialist. 

Subsequent interactions with customer support were unfruitful, yielding only vague responses that the account was closed for regulatory reasons, without further explanation. Multiple follow-ups and a promised detailed statement resulted only in receiving a PDF of the initial closure notification. 

In attempting to reapply for the Apple Card using the same Apple XXXX, I faced the impracticality of switching to a new Apple XXXX, which is intertwined with my personal data and purchases. 

Recently, I received passive notifications about new statements and a mysterious credit of {$5.00} to my closed account. This raises several concerns : How can a closed account receive a credit? Why was I not directly informed of this transaction rather than through an indirect statement notification? Was interest paid on these funds, and why were they accepted on my behalf when my account had been closed without my consent?
Product: Mortgage

This mortgage complaint includes my prior complaint with XXXX and XXXX XXXX XXXX for XXXX XXXX XXXX XXXX, fake Trust. Im mentioning this as on ongoing fraud. 
I'm fighting an illegal foreclosure based on fabricated documents. The court agreed with me 2 x prior, but they keep filing with the same faulty information. Now a new servicer which is Fay Servicing LLC is involved.

I believe Fay Servicing is not following appropriate guidelines of the Federal Truth in Lending requirements in their billing practices. Every month they add thousands of dollars to the monthly total payoff. I am the probate administer for my mother 's mortgage and the house I own facing foreclosure. They have added $ XXXX with no explanation. I am including my Federal Truth in Lending original buy out amount of {$260000.00} and what they are charging now with their monthly statement of {$300000.00} for XX/XX/XXXX. They are also charging legal fees when the case has not yet been finalized. Fay Servicing has been sanctioned and accused of egregious behavior. Berry v. Fay Servicing , LLC, No. 21-8005/8007 ( B.A.P. 6th Cir. Sept. 9, 2022 ). They have not supplied the three-default insurance original policies payoff I demanded as probate administer which should have paid of the mortgage. These are PMI, Federal Private Insurance, and Risk Sharing Insurance claim number XXXX and the company was XXXX XXXX XXXX. There has never been a note.The Florida Supreme Court remanded the requirement of filing original note on inception which never has been done to this day. 
Nationstar V Faramarz. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company lexisnexis risk solutions XXXX XXXX XXXX XXXX ga XXXX XXXXXXXX XXXX They are stating that I had accidentally of XX/XX/XXXX never had an accident I did have a speeding of XXXX XXXX XXXX and in XXXXXXXX XXXX XXXX was a coverage claim for inclement weather that damage my car but the accident I'm disputing incorrect information
Product: Student loan

My daughter attended The XXXX XXXXXXXX XXXX XXXX, and the school.closed on her prior to graduation due to fraud. From my understanding, this loans that I received on behalf of her education through the XXXX XXXX XXXX were to be discharged because of this and I have yet to hear any updates about my account specifically.
Product: Credit reporting, credit repair services, or other personal consumer reports

in tolusions that belong to someone with same name but different DOB and address. One inclusion should have been removed due to fraud but still remains. The XXXX XXXX still reports inclusions that belong to someone else and with same name but again different DOB and address and refuse to address. recently we recieved a report from equifax that still after months showed the fraud account and it should have been removed last year Both XXXX XXXX and equifax have refused to correct their errors and we are talking from 6 months to 2 years. what can I do to fix this?
Product: Checking or savings account

My name is XXXX XXXX and I bank with chime my unemployment went in my account and they froze my account with over XXXX I been writing & calling them they said they was gone send me a check & never did this been since XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On or around XX/XX/2022, I cancelled my XXXX subscription then to ensure no future or reoccurring billing charges I changed credit card numbers. 

XXXX charges appeared on XX/XX/2022, statement. I reached out to Citibank and disputed the charge of {$9.00}. I informed Citibank the subscription was cancelled in XX/XX/2022, I do not authorize any reoccurring charges from this vendor. 

XXXX charges appeared again on the XX/XX/2022 statement. I never gave XXXX the new account number nor authorized Citibank to bill any reoccurring charges for XXXX Citibank set-up reoccurring charges without the consumer knowledge or consent and forcing the consumer to dispute said charge each and every month. 

Citibank is engaging in unlawful practice by rebilling the consumer account after the consumer cancelled the subscription and giving vendor access to new account numbers and forcing the consumer to pay for unwanted services.