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

I just recently looked at my credit report and I saw some hard inquiries that did nor have XXXX XXXX. I also attached evidence. 


Lists of unauthorized inquiries that dont have XXXX XXXX to be on my credit report. 


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

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX, XXXX was the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me.

I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof. I have always lived at XXXX XXXX XXXX XXXX XXXX, Tx XXXX, never at any other address on my credit report. I have attached a copy of my Bill for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the Federal Police Report of proof of my identity theft.
Product: Credit card or prepaid card

A direct marketer, XXXX, contacted the Citi bak cardholder, and elderly woman with diminished memory, and manipulated her into providing information that enabled them to charge her card for an extended warranty on a vehicle registered in her name. The car has not been driven and the cardholder does not drive.
There has been an effort to contact the direct marketer, but every time additional information is requested and subsequently nothing is done when information is provided. When the charge was initially posted, Citi was notified that it was not a valid charge. there was initially a credit, but then it was reversed. After the reversal, another case was opened with Citi, but now they are stating that too much time has passed, and that they can not dispute this transaction as unauthorized as we previously advised them that this transaction was knowingly entered into. This is incorrect. they were advised that there was a phone call where the direct marketer obtained the necessary information to be able to charge the account, but it was not agreed to and has been disputed from the beginning. We have attached the latest correspondence we sent and received. We have all the documents if needed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was sent {$790.00} by another Person. The estimated date of arrival was on yesterday, XX/XX/2022. So, I never received my money. I called them and ask where was my money? They said it was an engineering problem. They was going to reach out to that department and let me know when it is transferred. They were unable to tell me when I will be getting my money. I just had XXXX and at least deserve to know when I will have my money. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017, XXXX  reported a 30 day late that was not late. I disputed this through the CRA 's and it came back as resolved. 

Last month, during the Covid crisis I was late on my payment due to work related issues, but it was not 30 days late which it is reporting on all my reports. When I spoke to the company they indicated they are making no concessions related to Covid which is insane considering how impacted this country is.. Now these late payments, the only TWO negative marks on my credit score, are impacting the rest of my finances and causing other companies to lower my limits and change my interest rates. 

I would like XXXX  to remove these late payment reports. If they are unwilling to do so, I would like XXXX  to remove the entire tradeline from my report so I can continue with my potential home purchase. 

I have attached the Experian report which shows the XXXX account and the dispute resolution, and two printouts from bank statements showing the payments.
Product: Checking or savings account

TDBank refuses to remove my $ 25 monthly fee when many other banks offer free checking.
Product: Credit card or prepaid card

I was an authorized user of 2 Bank of America Credit Cards. An authorized user is considered a secondary user and is not liable for any balances on the credit card.
Product: Debt collection

Company sent me a collections notice. I requested debt validation. Company failed to provide ANY validation yet have continued to attempt to collect this debt
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX Account XXXX. They did not provide me with the original contract as I requested.
Product: Money transfer, virtual currency, or money service

PayPal has unfair business practices. I became aware of a past due balance on an old PayPal account that I didn't need anymore. When I tried to log into my account to pay the balance it kept saying there was an error on PayPal 's side and to keep trying. When I looked on their website for an email address to contact them when I clicked on the link it took me to a page asking me to log into my account ( which I couldn't do ). There are no phone numbers on their website but I googled and found a number and called them. When you call the automated message askes for the phone number associated with the account. My account was so old I don't remember the phone number I would have used so I tried to ask for representative but it just kept asking for it. After trying many times I finally found a way around the automated attendant and got someone on the phone who told me my account was locked. How am I supposed to pay the past due balance if they lock my account? When I said I wanted to pay the balance due and then close the account I was told I would have to be transered. As soon as I was transfered the phone went dead. This happened several times and after repeated attempts I got to someone who would take my credit card info to pay the balance but once the balance was paid they told me it would take 3-5 business days before they would unlock the account for me to close the account. I spend 3 days of my life just trying to get through to them to get the balance paid and close the account but it seems like every step they purposely make it hard so they can keep the account going to continue to collect fees.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX : # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted Experian and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Vehicle loan or lease

I am disputing again for the investigation to be reprocessed. This was due to a data breach that resulted from I-9 files being compromised. I was not the person who made this transaction. Per credit acceptance I needed to submit proof of the data breach and new social security card that was part of the XXXX XXXX XXXX compensation package which I did and that evidence was not shown in the follow up to the original response # XXXX. I have a check from XXXX for reimbursement of the car ( before interest ) that was illegally taken out in my name from someone who used copies of identification and not the originals to purchase the car. This was a mutual agreement to prevent a lawsuit. Due to that situation a few weeks later the dealership has went out of business. I am attaching copies of the check, my new social security card that I had to obtain due to this as well as proof of the data breach. 

Credit acceptance stated all calls are monitored and recorded I would like a analysis done from calls coming from that account before XX/XX/2022 and copies to support my case if its needed to go to trial as well as trying to identify. 

XXXX XXXX XXXX XXXX is the address of the rent office that all packages, delivery drivers, XXXX and any other forms of 3rd party communication goes too.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX - XXXX i saw a lot of pre approvals on credit karma telling me that i was pre approved for credit cards and personal loans and that i can refinance my car. everyday i login, to check my credit report, so after a few months i was told that i was pre approved i thought i was in the perfect place to apply i got so many offers i started telling my family about vacations we was going use these pre approvals for so i finally applied sometime around XXXX i was upset that i was denied i felt bad because they told me i was pre approved this way a lie.
Product: Money transfer, virtual currency, or money service

I attempted to move money from my high yield savings account with flagstar and had to answer XXXX self identifying questions, which the system said i did incorrectly. I called flag star and they have said that they can only email the back office to have them call me in the next XXXX hours to ensure it was me trying to access the account. I have not received that call and have called back XXXX more times to flagstar with the same road to resolution that they would call me. this has take over XXXX weeks now to get my money moved.
Product: Debt collection

This debt was from XXXX I ordered wi-fi and I live in XXXX XXXX CA I was not able to get good connection I returned their equipment ( this was at least 12 years ago. I was not aware that I had a contract and never received any bills. I was going through a horrible divorce x-spouse XXXX XXXX SS # XXXX ruined my credit by not paying credit cards and other debts that judge had ordered him to pay ( divorce lasted XX/XX/XXXX- XX/XX/XXXX ) I got XXXX and was in XXXX 30 days at XXXX XXXX Hospital XXXX Ca ) he cancelled my health insurance. I used to be a XXXX and financially dependent in our marriage until I had a child in XX/XX/XXXX then he became XXXX XXXX and verbally at the time I was a homemaker since the birth of my child. The only reason he had any finances was that while I was a XXXX  I encouraged him to get a contractors license he did and I set him up in a XXXX XXXX ( XXXX XXXX XXXX ) it became successful that is because I ran it, then after the birth of my child he suggested that I stay home that is why I became a XXXX. I became financially destitute during the divorce he did not pay the family monthly allowance the judge ordered him to pay. After the divorce I wanted to purchase a home and was denied a loan I checked my credit report it was ruined, I hired XXXX XXXX to help take off the credit that did not belong to me, they did an excellent job. I am now disputing a Jefferson Capital XX/XX/XXXX and that it originally came from XXXX which I do not owe any money the amount is {$310.00}. I have disputed this item with XXXX  and they still are showing it as a collection debt which it should not be and even if it was my debt it should have expired it has been I did have an account with XXXX XXXX and the wi-fi did not work so I returned their equipment and never received a bill from XXXX and this was well over twelve years ago and would have expired. 
If I owed them money how come I am able to get an account for cellular with them acct # XXXX. I am filing a dispute with XXXX because instead of deleting this collection after I gave them the information I am sending you they updated the collection which decreased my Fico score. I apologize for such a long explanation. I hope you can help me because right now I am on a fixed income I only get SSI benefits {$940.00}. monthly ( I have bi-polar which escalated because going thru that horrible divorce ) I am trying to build up my credit XXXX  said I could if I showed them my bank statement showing I pay rent, utilities and cellular bill. I have a payee for SSI and the bank account is in his name XXXX XXXX at XXXX XXXX XXXX  in XXXX XXXX the acct is XXXX XXXX XXXX # XXXX. If you can give that information to XXXX  or tell me how I can ( they have been so unpleasant to deal with ) that I really do not want to contact them. Thank you very much for letting me file a complaint against them because I think they are not working effectively with consumers. Thanks again XXXX XXXX if you need to contact me my email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Reason : Unjustified Denial of Fund Transfers to Verified External Accounts Urgent Assistance Needed I am filing a complaint against Chase Bank for denying my attempts to transfer funds to external accounts I own at other U.S. banking institutions. Despite complying with their verification protocols multiple times, my transfer requests have been denied three times, leaving me unable to access my own funds. I am currently facing a time-sensitive financial obligation for the down payment on a property, and this obstruction places my {$15000.00} deposit at risk. 

Complaint Details : 1. Unreasonable Denial of Transfer Requests : Chase has rejected my requests to move funds from my account to external accounts under my name at other U.S. banks. Each of these accounts has been linked and verified through their ACH transaction verification process, wherein I received and confirmed small deposit transactions sent by Chase. 

2. Verification Compliance : I have fully complied with all identification and verification procedures, including providing documentation, confirming my identity, and validating each linked account. Despite following their own protocols, my funds continue to be held without justification or clarification on how to resolve the issue. 

3. Risk of Financial Harm Due to Restricted Access to Funds : This restriction on my account has placed me in a financially precarious position. I urgently need these funds for a down payment on a property, and the inability to access my money could result in the forfeiture of my {$15000.00} deposit, potentially causing substantial financial harm. 

4. Failure to Provide Reasonable Explanation or Alternative Resolution : I have engaged with Chase 's customer service and fraud departments on multiple occasions, only to be told that my requests can not be processed despite having verified my accounts as required. No clear reason has been provided, nor have any alternative options been offered to enable access to my funds. 

Key Legal Concerns : 1. Right to Access Personal Funds : As a verified account holder, I have the legal right to access my funds and transfer them to external accounts that I own, as long as I have followed the bank 's verification procedures. 

2. Unjust Restriction of Funds : The continued denial of transfer requests despite verification implies an unjustifiable restriction of my funds, effectively holding my money " hostage. '' 3. Consumer Harm and Potential Financial Loss : The bank 's failure to provide access to my funds places me at imminent risk of financial harm, potentially costing me a {$15000.00} deposit.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - 1996 Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vacation Club Credit by XXXX XXXX Bank has not updated information with the credit bureaus since XXXX. I had made a major purchase in XXXX so it is showing a high balance on my account even though the account is now paid off. This is causing my credit utilization to appear much higher than it actually is, which is adversely affecting my credit score. I contacted XXXX and their response is that due to a failed system update in XXXX they have chosen not to report credit information at this time. If they are not going to provide updated information to the credit bureaus, the credit bureaus need to disregard the outdated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Equifax for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Equifax was XX/XX/2022, with complete attachments of my Personal information, but despite all my efforts, Equifax seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Equifax investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. I also reached out to the bank and they agreed to remove the accounts from my file. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Equifax to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EQUIFAX REMOVE THE ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to Exeter requesting proof of " written authorization '' by me with my signature to pull my credit. Exeter only responded I submitted an application for credit on XX/XX/XXXX, however failed to produce said signed application as requested. Thus I am assuming they have to such documentation and do not have written authorization from me to themselves to run my credit and are in violation of the FCRA by failing to do so. According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion Exeter is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my credit report or be provided proof I have given " written instructions ' to pull my credit. By providing me a copy the alleged application on XX/XX/XXXX. https : //www.ftc.gov/XXXX