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

My credit file is being handled by the special fraud team with XXXX   and I can not get a hold of any one in reference unauthorized accounts and inquires among other errors. Also there is a fraud alert on my XXXX report with the wrong number! Cant reach anyone who could help me there and XXXX has no record of my police report I sent them last year to address my disputes and these different addresses keeps appearing on my report and I tell them to take it off and next thing I know I call back and I cant be authenticated because something else has popped up. Then check systems wont remove fraudent information off my record where its hard for me to open up bank accounts. I was notified by XXXX  credit monitoring that my email addressed and personal information was hacked and my telephone number was somehow possibly being used. Ive spent many of hours dealing with this. My personal information was also involved with the XXXX 2017 data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now the FORTH and FINAL time I will be contacting you to remove the UNAUTHORIZED inquiries issue ( s ) which follow : XXXX with Date of Inquiry of XX/XX/XXXX XXXX XXXX XXXX with Date of Inquiry of XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX of Inquiry of XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX with Date of Inquiry of XX/XX/XXXX XXXXXXXX XXXX XXXX with Date of Inquiry of XX/XX/XXXXXXXX XXXX with Date of XXXX of XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX with Date of Inquiry of XX/XX/XXXXXXXX XXXX XXXX XXXX with Date of Inquiry of XX/XX/XXXX My first few requests were simple. And you failed. Miserably. You provided absolutely no documentation or proof that the inquiries in question were obtained pursuant to the Fair Credit Reporting Act. Once again, you gave an entirely inappropriate response by encouraging me to deal directly with the furnisher. 

I have already provided ample proof and documentation of my efforts to communicate with the furnisher ( s ) and their failure to provide ANY documentation of permissible purpose or authorization from me. 

These inquiries must now be deleted. Send me an updated credit report showing the removal.
Product: Checking or savings account

On   XXXX   XXXX   XXXX     I deposited a check into my account for  XXXX . Without cause or notice, the check was reversed. Upon calling the m, FOUR DAYS  LATER, they stated it was because it was third party and signed over to me and to 'just come in '. They stated they changed their ATM rules but did not put a notice regarding the new rules on their ATM regarding depositin g 3p ch ecks, nor did they mail disclosures to their customers.   I have been a customer wi th US Ba nk for a decade. I have deposited numerous third party checks and none were reversed. Because they failed to provide conspicuous notice or mailed/emailed notice of their changes, I was harmed.   Additionally, I am also an e-statement customer who receives notices via email. They have my email, my phone, and address and they did not send me any notice regarding the reversal leaving my balance dangerously low. Under the federal law their are required to ensure expedited deposit availability have the responsibility to notify me when issues aris e. FOUR day s passed since the reversal with NO CONTACT. They failed to perform due diligence, they reversed a valid deposit without cause an d may h ave impacted my ability to obtain a mortgage as I am actively seeking a home and am pre-approved with requirements to release my bank statements for a period of time to validate my application. This reversal severely reduces my average balance.   I would like to ensure this does not happen to anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANIES INVOLVED : EXPERIAN, XXXX, XXXX DATES : XX/XX/2018 ITEM REPORTED INCORRECTLY : BANKRUPTCY I've been trying to get this item removed since it has been reported. I'm in the process of buying a home so I really need to have this item removed from my credit report because it's reporting incorrectly. I've recently sent more certified letters to all 3 credit bureaus disputing this information, and requesting to have this derogatory item removed immediately. The credit bureaus refuse to remove this item because they're stating the Federal bankruptcy Court verified this information. As we are all aware, the Federal Bankruptcy Court doesn't release this type of information to third parties. I've also asked for a method/proof of verification, and they refused to provide me with this information. 

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

Receiving daily solicitations from private vendor relating to Equifax. Name changes but all seem tied to XXXX. You hit Block sender and a new name appears XXXX sender of this XXXX Get Your New XX/XX/2022 Scores Right Here When Last Have You Checked Your Scores? 

To see your XX/XX/2022 from XXXX, XXXX and Equifax Reports in one easy to read report go Right Here Great Scores Press Here To See Your Scores Now Checking your credit will NOT harm your credit scores! 








XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unsubscribe me from this mailing list Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is an email advertisement. To unsubscribe from our sponsor : click here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Consumer Financial Protection Bureau To Whom It XXXX Concern : I am writing to file a complaint against Experian. 

I recently disputed some inaccurate and damaging information on my credit report. First of which being Bank XXXX XXXX account number # XXXX I contacted the original creditor which told me I don't have a account with them. This Account doesn't report to any of the other bureaus XXXX or XXXX. Experian is solely report this inaccurate information. 
The next account was NY XXXX XXXX XXXX account number # XXXX... 
Experian is reporting a inaccurate collection this account has never been in Collections. Only Experian is reporting it this way no other of the XXXX major reporting bureaus. 
Experian is also reporting my XXXX open XXXX XXXX Bank accounts, account numbers # XXXX & # XXXX as closed. These accounts are open and the creditor has told me they are reporting such to all 3 major reporting agencies only Experian are reporting the accounts as closed. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Experian. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SS # XXXX P.S I was trying to upload a copy of my dispute letter but I will post it in the fair resolution section
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked into my credit and found a list of unauthorized inquiries I reached out to the companies and was told to contact the credit bureaus I also filled out an FTC report
Product: Checking or savings account

Have contact chase 4 times since XX/XX/XXXX2019 to close account. Was told it would be closed and funds would be received within 7-10 Checking account funds of approx {$2000.00} have not been received. Each time i inquire I get the same standard response. Have contacted them on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. They have been little to no help, and now my account is showing closed yet I do not have any funds. Unable to now access any account statements online either ... Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone comprised my personal information in XXXX and opened a XXXX XXXX credit card. At the time I was ignorant about credit so I didn't really monitor my credit score. The imposer ran up a balance. The account hit collections I started receiving letters in the mail and that is what caught my attention. Since XXXX of XXXX I have been sending dispute letters through the mail. I sent an identity theft affidavit, filed an Federal Trade Commission ( FTC ) report and the account keep coming back verified. On XX/XX/XXXX I called XXXX XXXXXXXX and they could not verify me from my date of birth or my residency and confirmed to me that the account was abnormal and was most likely fraud. They then told me I would have to call the credit bureaus so they could handle it. I am tired of them make me go in circles. This situation is really affecting my life. According to 15 USC 1681a ( k ) ( iii ) adverse action that doesn't benefit you should not be on your consumer report.
Product: Student loan

On XX/XX/XXXX I received a letter stating that I had 28 qualifying payments. However when I log into my account, it states I only have 26 qualifying payments. I was told by a representative at XXXX that the payments made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were not being counted because I did not have an Employment Certification Form filled. I was told that if I had the formed filled out that those 4 payments would counted. I have the Employment Certification form from XX/XX/XXXX- XX/XX/XXXX form filled by the Human Resources Representative stating that I was employed 32 hours which is full time under the Public Service Loan Forgiveness Program . I have attached this letter. Therefore, I should have 32 qualifying payments instead of 26 or 28 payments. 

I called XXXX on XX/XX/XXXX and spoke with XXXX ( ID number XXXX ), and she stated that the Human Resources representative did not verify that I was full time. Under the Loan Forgiveness Program, it states that 30 hour pers week or more is considered full time. I spoke with  Human Resources on XX/XX/XXXX and she stated that she told XXXX on XX/XX/XXXX that from the entire time from XX/XX/XXXX-XX/XX/XXXX that I was working more 30 hours per week. The Human resources representative stated that she told XXXX that for purposes of the Public Service Loan Forgiveness Program I was XXXX for that entire time period. I would like to see that my qualifying payments be updated from 28 to 32 payments. Online it states that I only have 26 qualifying payments which contradictory to the 28 payments sent in the letter onXX/XX/XXXX. 


Additionally, XXXX disqualified my payments made for the period of XX/XX/XXXX to XX/XX/XXXX based on an Employment Verification form I submitted. I did not submit any Employment Verification Form for this period of time. I have included a copy of the disqualification from XX/XX/XXXX-XX/XX/XXXX. I met the requirements listed on the disqualification form of working at least 30 hours or more for this time period. I have included a copy of the disqualification sent from period of XX/XX/XXXX-XX/XX/XXXX. I met the requirements listed on the verification form of an annual average of at least 30 hours or more for this time period.
Product: Mortgage

I was advised to contact you because I feel my mortgage company is not treating me fairly. I am paying a XXXX XXXX dollars a month for PMI insurance, and it seems to be very difficult for anyone to help me to get out of paying the PMI. They wo n't speak to me they wo n't give me a contact number, they 're making me put my request in writing which I 've done a couple times now. They are telling me that there 's no way I can get rid of my PMI insurance by using fair market value of my home and then I have to do a major home improvement in order to get rid of my PMI insurance. I am certain that I have enough equity in my house to have the PMI insurance waved however they will not help me get out of that insist that the only way I can is if I invest money into my home as in A major home improvement. I was advised by someone from another financial institution that this does n't seem right I feel I am being trade unfairly, and that maybe you can assist me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit file inwhich i did not authorize nor do i have any knowledge of. I'm demanding that these unauthorized accounts be removed immediately. Please remove these misplaced accounts from my credit profile. 

# 1. XXXX XXXX XXXX XXXX XXXX {$XXXX} # 2. XXXX XXXX XXXX  XXXX XXXX {$XXXX} # 3.. XXXX XXXX XXXX  # 4.. XXXX XXXX XXXX # 5.. XXXX XXXX XXXX Acct
Product: Credit card or prepaid card

On XXXX. XXXX, XXXX my bill did not go through HYUNDAI FINANCE - account with 2 missed payments. I could not pay due to covid-19 pandemic. The HYUNDAI FINANCE manager promised me that it will not affect my account. I am kindly requesting HYUNDAI FINANCE to remove these missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Debt collection

I borrowed a total of {$2500.00}, XX/XX/XXXX from CashCall.com. My account went to collections and I agreed to pay {$230.00} per month with XXXX XXXX for two years. In XX/XX/XXXX, my debit card was stolen and when I attempted to call the company to give them my new information, the phone number had been disconnected. Then, XX/XX/XXXX, I get a phone call from XXXX XXXX XXXX. They left me an automated message to tell me I was going to served a law suit within 24 hours between the hours of XXXX -- XXXX, and to have two forms of ID ready to accept the lawsuit. I panicked and called the number back ( I was at work ) and begged them to not serve the papers - I also gave them {$200.00} over the phone. After going back and forth with them throughout the day ( while at work ), they agreed that this wasn't my fault and that I only owe {$600.00}. This jeopardized my employment and gave me a lot of anxiety.
Product: Credit card

To Whom It May Concern, Navy Federal XXXX XXXX XXXX closed my account, rendering it inaccessible. On XX/XX/year> I noticed I received a payment of {$400.00}, in the beginning of XXXX ( dont know the exact date because I cant access the statements but I do have a screenshot of it ) which I could not access due to the account closure related to an overdraft balance. In early XXXX, I visited the branch to resolve the issue and was informed that a banker needed to consult with a manager regarding the account. Due to time constraints, I had to leave and planned to return the next day. 

The following day Navy Federal immediately accessed the account and applied {$300.00} towards a debt they claimed I owe. Despite this, I am unable to access my credit card account. Following this transaction, Navy Federal locked the account again, marking it as " credits only, '' as if there were fraud concerns, though no fraud had been reported.

Subsequently, I called Navy Federal to inquire about the issue and was advised to visit the branch again. On another call, a representative managed to convert the " credits only '' account back to a regular checking account and later that day I then visited the branch and obtained a debit card. Although my checking account, previously closed due to overdraft fees, it is now open, Navy Federal recently withdrew another payment of {$42.00} on XX/XX/year>, for the closed credit card. 

I am deeply concerned about the inconsistent handling and abrupt changes to my account without my consent or prior notice. According to the law, while my credit card account is publicly closed, it is privately open, and I have up to three years to reopen the account. I request that Navy Federal reopen my credit card account in good standing, as I filed a 1099-A on XX/XX/year>, for the entire balance for one year. This 1099-A has been approved by the IRS, and I have provided proof to Navy Federal .
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of today as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : CXXXX XXXX XXXX XXXX ( XX/XX/ ) XXXXXXXX XXXX XXXX  ( XX/XX/ ) XXXX XXXX XXXX ( XX/XX/ ) XXXXXXXX XXXX XXXX  ( XX/XX/ ) * XXXXXXXX XXXX ( XXXX  ) I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian the right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless they can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries. It is Experian 's duty to accurately report information and as of now they are not doing that. I look forward to someone resolving this matter with this initial communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act U.S. Dept of EdXXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the improper use of my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated. 

Section 607 ( a ) of the FCRA states that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' I have reason to believe that the information contained in my credit report is inaccurate, and I request that it be investigated and corrected immediately. 

Furthermore, Section 611 of the FCRA requires that " any person who knowingly and wilfully obtains a consumer report under false pretenses shall be fined under title XXXX, United States XXXX, XXXX for not more than XXXX  years, or both. '' I believe that my credit report was obtained without my consent or authorization, and I request that the individual or entity responsible be held accountable for their actions. Additionally, I had identity theft due to Equifax XXXX XXXX I request that you take immediate action to investigate this matter and provide me with a copy of my credit report as soon as possible. Thank you for your attention to this matter.
Product: Mortgage

We paid them {$4000.00} to help with default on the mortgage and answer the summons and complaint, which they did not. They did not answer the summons and complaints.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and 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 XXXX 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

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. 

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 and list of Inquiries. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

Hello, I am XXXX XXXX. I repeatedly sent Equifax my proof of identity and proof of birthday yet they continuously report my name incorrectly and my birthday incorrectly. I am not sure who they verified any of this information when I am who this credit file is on and have provided several forms of verification to prove that. Equifax willful noncompliance by continuously reporting inaccurate information shows a violation of federal law. 

I have attached proof of inaccurate information reporting along with proof of identity and birthdate.
Product: Debt collection

XXXX   2017 , I noticed th at Enhanced Recovery Corp.  was reporting a debt to all   XXXX   credit bureaus. I did n't have prior knowledge about the alleged debt. The original creditor listed is  XXXX .  XXXX  never sent me a letter informing me of an account that was being purchased/assigned to a collection agency. Additionally, ERC never sent me a dunning letter. Upon my discovery,  (   XXXX     2017  ) I sent ERC a debt validation letter. In turn , (   XXXX     2017   ) they only sent me a copy of a billing statement. This billing statement did n't even contain the addre ss of the original creditor. Furthermore, I know under the FDCPA ERC has violated my rights as a consumer by reporting an unvalidated debt.
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 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

it should say, copy and paste this
Product: Credit card

In XX/XX/2016, I ordered XXXX dog pillows from XXXX online. The items were returned because it was not what I expected. I paid out of pocket to have the items returned because I did not want the credit card ( Comenity Bank ) to be charged. This transpired less the 10 days from initial order. The credit card sent me a bill because XXXX did not report to the credit card the items where returned within the time so not to get a charge from the credit card. I was not successful when I tried to get this error resolved. Comenity Bank representative advise me to pay them although I did not have the items. This situation is very discouraging because I returned the items within the time so the credit card would not be charge, as well as the credit card fees for items that where returned.