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

dear sir/madam, the   XXXX   XXXX   XXXX  , was started report on   XXXX   XXXX   XXXX  , an account, that was an a Personal loan for {$5000.00}, opened on   XXXX   XXXX  . THEY ARE REPORT like a " Conventional Real Estate Mortgage '' AND  (  Closed - Derogatory ) impacting my score in a frivolus AND MALINTENTION TO HURT MY CREDIT MORE, because that account was included in a chapter "  XXXX  '' schedule, AS A PERSONAL LOAN NOT A MORTAGE, on   XXXX   XXXX   XXXX   and discharge on   XXXX   XXXX      (  United States Bankruptcy Court  XXXX   XXXX  of Florida.     credit report :   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX , P.R. XXXX  (  XXXX  )  XXXX  Reported on   XXXX   XXXX   XXXX   {$4700.00} Account Details Last Reported   XXXX   XXXX   XXXX   Creditor Name   XXXX   XXXX   Account Type Conventional Real Estate Mortgage Account Status Closed - Derogatory Opened Date   XXXX   XXXX   XXXX   Closed Date   XXXX   XXXX   XXXX   Limit Term 60 Months Monthly Payment {$140.00} Responsibility Individual Balance {$4700.00} Highest Balance {$5000.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment   XXXX   XXXX   XXXX   Amount Past Due {$1700.00} Times  30/60/90  Days Late  0/0/0 Re marks Charged off as bad debt Profit and loss write-off
Product: Credit reporting, credit repair services, or other personal consumer reports

This account doesn't belong to me. 


XXXX XXXX Closed : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXXXX/XX/XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX, XXXX XX/XX/2022
Product: Mortgage

This account is inaccurately reported as opened in XX/XX/2002 on my credit report. There is also conflicting account information & status. I have asked repeatedly for specific account info including payoff balance & any & all information to be sent to MY home address. Fay refuses to comply with my requests. I believe it is the lender responsibility to provide me with timely & correct information on this account. My sole source of information comes through disputes & credit reports. I have repeatedly stated that I want to assume full responsibility for this loan & to protect my personal credit.
Product: Mortgage

We applied to refinance our mortgage in XXXX 2020. Our property tax was due during the process ( it was due XXXX 2020 ). I was told they would pay our property tax. I called and checked on this on three separate occasions and was assured they would pay the tax in full. XXXX XXXX came and went and it wasnt paid. A {$300.00} penalty for not paying the tax on time was added to our bill. In this process I was laid off due to COVID. When I informed them I was laid off of they denied our refinance. Now when I try to call to ask about our property tax an automated system says my social is not in their database and hangs up on me. ( We have an existing mortgage with them ). I can not get ahold of anyone. My emails are not being returned either.
Product: Credit card

There was credit refund check issued on XXXX XX/XX/year> for {$3300.00}, but i have never received the check and the bankers confirmed that Check has not yet cleared and they will re-issue the check or credit the amount to my checking account. This issue is pending for almost 3 months and i have called around XXXX times to resolve this issue and each time i have spent the time about XXXX hours including waiting on the the call to connect with customer care and now there is a balance to pay {$3900.00}, i have informed them that please give {$3300.00} as credit so that i can pay the remaining {$550.00}, if i do not pay # XXXX by XX/XX/XXXX, i will be end up paying interest rate + {$3300.00} even though Bank of america is holding my credit balance refund # XXXX from XXXX XX/XX/year> and this is not being resolved by them for almost 3 months even with XXXX different customer calls.
Product: Checking or savings account

I made my personal check XXXX XXXXXXXX out to my son for {$250.00} and mailed on XX/XX/XXXX to him in XXXX XXXX, CA. I was alerted on XX/XX/XXXX to an amount of {$400.00} withdrawn from my account via that same check being cashed by a person unknown to me. I immediately called Chase Bank to report the fraud and the check had been stolen out of the mail and re-written on XX/XX/XXXX and cashed. They said they would initiate an investigation. I would need to submit an affidavit and have my son sign it as well. I was also told it may take XXXX months for my money to be put back in my account. When I asked why, I was told there was not a way for them to trace the transaction and they would have to determine first that it was fraud and get the other bank to work with them to return the money. 
I have since had to submit XXXX affidavits because the first one was incorrect but I only found out I had checked the " wrong '' box when I called for an update. I honestly feel they wouldn't have contacted me regarding this because over a week later, I received another affidavit from them in the mail to fill out and resubmit. I took this to the branch to electronically submit. Was asked then for a copy of my check register, which I went back home to retrieve and send electronically. 
I called a week later for an update only to hear they did not have a copy of my register and needed proof somehow of the original check amount. This caused me to make another trip to the branch. 
The banker called the security team to get an email address to submit the register ; the email given did not work. A XXXX email address given also did not work. These were the same addresses given initially when we sent the register but the banker somehow missed that the email was returned undeliverable and again, I was never notified! 
I have had to make XXXX trips to the closest bank branch to resubmit things I have already submitted. I have spent hours on hold waiting for the back team to pick up after going through the ridiculous answering menu. I have been told the burden of proof is on me by the gentleman at the branch who helped me get a new account and that it takes a while for the back team to do their investigation. I have asked if the bank has our signatures on file and wouldn't that be an easy way to see this was fraud?? He told me, to my face, " well, XXXX, I guess we would have those '', but to my knowledge, no one at the bank has even checked our signatures! 
I was told last Thursday, XX/XX/XXXX, to give them XXXX business days after resubmitting my check register a XXXX  time for them to complete their investigation. The banker told me he would call them XXXX thing this morning and call me. It is now XXXX in the afternoon and I have yet to hear from him. 
There has to be a better way for Chase customers to be treated and to get their money back when they are the victim of theft!
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning, and I have no idea why. I routinely check my report, but this time I found unexpected discrepancies. I tried refreshing my browser, thinking it might be a glitch, but the inquiries remained. I'm extremely frustrated and need the documents I've submitted to be reviewed immediately, so I can stop worrying about this issue once and for all.
Product: Credit card

Discover credit will not refund money for products not purchased. Billed almost {$5000.00}. The company wo n't answer discover. Got trial product. Returned it said do n't want it cancel. They continued to charge card n set no products. They want to give 45 % credit for something I did n't get n discover wo n't credit my money been 4 months. Call discover said wo n't credit money cause co. Wo n't respond. They have all info n I have complaint numbers from multiple calls
Product: Mortgage

This complaint is against Quicken Loans. My wife and I applied for a mortgage through Quicken. We received pre-approval through the company and as a result paid {$500.00} to Quicken for the loan to proceed to closing. After a period of weeks, Quicken Loans decided not to close the loan because it said it could not count a portion of our income. Our concern is that of two of Quicken Loan 's pre-approval staff gave the loan pre-approval after their review but when the loan went to final underwriting another team decided to disqualify a portion of our income with no explanation. We are concerned that the portion of income Quicken ultimately decided not to use is from our small business that is minority and female-owned. We are concerned that somewhere in the higher ups at Quicken Loan there is a discriminatory reviewer who is implementing discriminatory practices against women and minorities. The company employees who gave pre-approval to our applications are also at a loss to explain why the application was rejected in the final stage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to XXXX. Here is my tracking number XXXX XXXX XXXX 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

I am formally disputing the presence of unauthorized, fraudulent, and inaccurate information that appears on my credit report. This information has been unlawfully provided by creditors and reported by Equifax without my knowledge, consent, or any lawful basis. The reporting of this information represents clear violations of several federal laws, including but not limited to : - 15 U.S. Code 6802 ( regarding the right to opt out of information sharing ), - 15 U.S. Code 1681b ( regarding permissible purposes of consumer reports ), and - 15 U.S. Code 1681c-2 ( regarding the blocking of inaccurate information ).

In addition, the unauthorized use of my personally identifiable information may rise to the level of identity theft, punishable under 18 U.S. Code 1028A, and I hereby assert my rights accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial has reported a " remark '' and incorrectly reported a balance increase, for my auto loan, which was completely unwarranted, as I have NEVER been late on a payment since the loan was taken out almost 2 years ago. This has caused my credit score to drop tremendously. I have called several times and have been given reference numbers, but that's about it. My credit score is not where it should be because of these obvious errors.
Product: Mortgage

I emailed numerous times and called customer service of Pacific Premier Bank to request my 1098 's, which are due XX/XX/XXXX. The bank told me that they do not mail 1098s unless requested. We requested numerous times by email and by phone and have not yet received.
Product: Debt collection

I ask for supporting documents about my debt collection and could not provide it. My call was passed to different staff members and staff members could not give me answers. I call on XXXX XX/XX/2021, debt amount {$2000.00}, The company name is AMSHER COLLECTION SERV, telephone number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not receive my XXXX and XX/XX/2018 credit card statements, which meant I did not make my required payments by the due dates. After numerous conversations with credit services, XXXX XXXX acknowledged their mistake and vowed to update my credit reports to reflect no late payments. However, XXXX XXXX did not correct two of my credit reports and now it's adversely affect my ability to refinance my mortgage. I provided XXXX XXXX with the requested information however, they have not updated my credit report, as they indicated they would.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX XXXX XXXX Date XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report late payments thru XX/XX/XXXX for a XXXX credit card account that was forgiven in full with a XXXX on XX/XX/XXXX ( see attached XXXX form ). I have disputed this account twice with Experian but they have refused to correct the error. These late payments are artificially reducing my credit score and affecting my ability to obtain necessary financing.
Product: Checking or savings account

XXXX  charged my account on XX/XX/2023. The first amount was {$47.00} and the second was {$26.00}. Neither one of these was solved and refunded. Both unauthorized transactions
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I sent {$300.00} to someone through Bank Of America 's app using XXXX, to buy tickets for a comedy show. As soon as the user received the money, they blocked my phone number and did not send the online tickets. 

I immediately called my bank to cancel the transaction but they said that because the payment was authorized and completed, there was nothing that they could do. 

I've also reached out to XXXX directly, but they've told me that they don't cancel completed transactions.
Product: Credit reporting or other personal consumer reports

ALL consumer reporting agencies identified XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX are in violation of the " Privacy Act of 1974, per 5 U.S.C. 552a ( b ), '' for disclosing my nonpublic personal records to other persons without my prior written request or verbal consent, and in violation of the " Gramm-Leach-Bliley Act, per 15 U.S.C. 6821 ( a ) ( 1 ), ( a ) ( 2 ), and ( a ) ( 3 ) and 15 U.S.C. 6823 ( a ) and 15 U.S.C. 6823 ( b ), '' for violating my privacy by, knowingly causing to be disclosed to multiple persons my nonpublic customer information of financial institutions, NOT relating to those persons. Additionally, by violating the " Gramm-Leach-Bliley Act, '' All consumer reporting agencies identified are also in violation of " Aggravated identity theft '' per " 18 U.S.C. 1028A ( a ) ( 1 ), '' for knowingly transferring, possessing or using, without lawful authority, my nonpublic personal means of identification. Lastly, ALL consumer reporting agencies are in violation of " Tax Fraud '' for reporting ANY alleged collection/charge-off accounts. 
Furthermore, attached consumer reports prove above stated violations, errors, and inaccuracies across ALL 3 consumer reporting agencies. 
SEE AND REVIEW ALL ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Institution Information XXXX XXXX, FL XXXX ( XXXX ) XXXX Hard inquiry shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Amount on paid has changed and amount total has changed and this was not a credit consumer transaction company has history of committing fraud amount has changed and i was never giving money In form of check, or cash In hand for vehicle, company claims they are in-house financing no credit check.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I applied for a personal loan and was denied 3 times from 3 different .companies. 

1. First company was XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency XXXX  score ( XXXX ) ( XXXX XXXX The reported score is XXXX. 

2. Second company was XXXX XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency XXXX  score ( XXXX ). The reported score is XXXX. 

3. Third company was XXXX ( XXXX ) in the amount of {$5000.00}. They decline my application based on the credit reporting agency XXXX  score ( XXXX  ) The reported score XXXX. 

above shows 3 different credit consumer bureau with 3 different scores. I have no creditors showing late or default. all payments made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I included it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX CXXXX 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 reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1900.00} ; XXXX XXXXXXXX XX/XX/2022.
Product: Credit card or prepaid card

HSBC Bank sent UNSOLICITED " Prescreened-approved Master Card credit card that advertised 0 % APR forRef. : Master Card acct # XX/XX/XXXX On XX/XX/XXXXmy referenced account was charged with {$18.00}. I called their Customer Service and to my surprise and dismay I was informed that it is interest on my balance of my card. I opened this account only because they UNSOLICITED, mailed me an offer with 0 % APR. Nowhere in that offer it was mentioned the interest rate for purchases but ONLY that 0 % APR on Balance Transfers only misleading me to believe that 0 % applies on purchases as well. This is a masterful technique to mislead the consumer to believe so by omitting the proper information and it is misleading, immoral and borderline fraudulent. After receiving my Credit Card, I again called Customer Service to verify that 0 % APR as well as its expiration date, in order to proactively protect my self from any deceitful, well by now aware of such practices through my past experience with financial institutions, and I was again notified of the 0 % APR, again with no disclosure or distinction to purchases. 

As a result, on XX/XX/XXXX I electronically paid the amount of {$2800.00} effective due day. This amount paid off and in full my credit card account/balance re reference with the exception of the {$18.00} of the improper, deceitful, and fraudulent Interest Charge. This practice is not only immoral but illegal and I reserve the right to report this practice to the proper authorities and/or regulatory agency/ies. 

I sent to the Bank a registered letter disputing the charges due to deception. They have now sent me a bill with balance of {$37.00} including outrageous penalties and denying that they ever received my letter mailed to them registered Tracking # XXXX on XX/XX/XXXX. 

This Bank is practicing deceptive, illegal and immoral promotional practices to lure consumers in and charge outrageous fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised some time ago, and the aftermath had me fighting for my identity back. My first order of business was to dispute unauthorized accounts and inquiries. However, the 3 major credit bureaus response was account ( s ) verified. The accounts in questioning are as following, ( 1 ) XXXX XXXX XXXX XXXX  {$0.00}, ( 2 ) XXXX XXXX XXXX  {$3600.00} ( 3 ) XXXX XXXX  {$830.00} ( 4 ) XXXX XXXX  {$440.00} ( 5 ) XXXX XXXX  {$86.00} In regards to the accounts above and the 3 bureaus, I'm requesting the Method Of Verification used to verify the above accounts. I would like to know what employee spoke to whom, and by what means of communication, phone, text, letter, fax, email, physical documentation, etc. What date, day, and hour. What physical documentation verified these accounts. In accordance with the FCRA laws I'm requesting all the above and if this is not provided to me then I'm requesting for the above accounts to be blocked. As a consumer and a victim I'm within my nature rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I contacted the Three Major Bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me a letter, stating that they received the information from the United States Bankruptcy Court, District of Nevada, yet I received a letter from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ). Also they stated that they receive the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to accuracy of Bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of XXXX, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX and XXXX XXXX.