23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This company ran a credit inquiry on XX/XX/2023. Neither I nor my wife applied for this credit card. 
XXXX told me to inform the FTC about this. This is a fraudulent inquiry. I believe my identify has been stolen. 

COMENITYCAPITAL/XXXX Inquiry date XXXX XXXX, 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My credit reports states there are 2 missed payments on this account. 

I am directing you to remove ALL late payments on this account and update my credit report to paid as agreed pursuant to Federal Law under the Heroes Act. 

The Heroes Act states ; Negative consumer credit reporting during the COVID-19 pandemic is SUSPENDED. PLUS an additional 120 days. 
The Covid 19 pandemic was declared over on XX/XX/2023. 
120 days from XX/XX/2023, is XX/XX/2023. 

The Heroes Act also declares that adverse information is prevented from being added to consumer credit reports TO PREVENT ruining credit scores. These two late payments injured my report and must be removed. 

Also, Credit score furnishers are prohibited from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic. 

Additionally, this account is paid up to date. 

Thank you. 

Attached you will find the following ; 1. HEROES ACT 2. Image from CDC.gov declaring XX/XX/2023 as end of Covid 19 Pandemic 3. Image proving XX/XX/2023 as 120 days from XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

At day of XX/XX/XXXX I did send a complaint to TransUnion about fraudulent accounts and charges that did show on my credit report and asked them to delete them from my credit report. Complaint was deliver as of XX/XX/XXXX. As for today XX/XX/XXXX I did n't got any answser from them. 

Dissputed accounts : 1.XXXX/XXXX openedXX/XX/XXXX with charge {$620.00} 2.XXXX XXXX XXXX  opened XX/XX/XXXX with charge {$1900.00} 3.XXXX XXXX XXXX with charge {$230.00} I also dissputed fraudulent charges to my credit card for {$1000.00} I am attaching all send information to this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked credit report and found out a few items which never belong to me or any transactions made by me. I believe somebody stole my personal information. I am requiring to remove all of these items from credit report because of fraud. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Product: Credit card or prepaid card

XX/XX/2022 Bank Of America Credit Card account opened, not by me I did not apply for nor ask for an account I called them and they closed the account Said the account was being monitored from XXXX, PA I do not live there. 

I contacted the 3 Credit bureaus and locked my credit.
Product: Credit reporting or other personal consumer reports

According to FRCA section 605B it is illegal to report information on my credit report without my permission. Please remove this from my credit report thank you.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack the accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

Made a payment on time on the XX/XX/year> and Im getting charged for a late payment. Please remove this from my report on all three credit report bureaus.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Home Depot Credit Card- Citi Bank ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Home Depot Credit Card/ Citibank ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Home Depot Credit Card/ Citibank ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Home Depot Credit Card/ Citibank ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I was contacted by XXXX from " XXXX XXXX XXXX '' regarding something against me in XXXX XXXX XXXX. They also called my sister-in-law ( that I know of ). They said I needed to settle a debt with XXXX XXXX XXXX  ( I've never heard of it ) and when I said I believed it to be a scam because of that fact, the representative said it was not a scam and I can try and tell the judge that ( threatening litigation ). She proceeded to say that it was for a Best Buy card ( I have never had one ). I told her to not call me or my family again and that I would sue. She began saying an old address of mine before I hung up. This company obviously had my name, phone number, birthday, and last 4 of my social security number, so it is frightening to think how they came upon that information. I consistently check my credit score which reflects 100 % on-time payments and no Best Buy card, so I firmly believe this to be a scam. The call I got was from phone number XXXX and I was asked to return the call at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached document 15 USC 1681 S-2 You are a furnisher of information to the reporting to the credit bureau agencies . 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 complaint experian credit report, they reporting all inacurate information to crediter and i got denied, i file a dispute with them fof account which is not ever late they response in 1 days saying we verify it is accurate, how they investigate in 1 day. 
HERE IS A ACCOUNT NEEDS TO B CORRETED AS NEVER LATE 1 XXXX XXXX  # XXXX 2 XXXX XXXX # XXXX 3 XXXX  XXXX XXXX # XXXX 4 XXXX XXXX  XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent XXXX bank generated checks for {$390.00} to BMO Harris Bank to pay towards a loan held by their bank. The address I was given was incorrect and they went to the Transportation Finance Department of BMO Bank. None of the checks were credited towards the loan desired, for which I provided account information and details when ordering the checks from my personal account at XXXXXXXX XXXX but all the checks were cashed and endorsed on the back by BMO Bank Transportation Finance ( phone number XXXX ). BMO credited back {$390.00} for XXXX ( XXXX ) of the checks, but the third has never been returned. When I call BMO they tell me that the checks were rejected and therefore there was no refund due. When I tell the customer service representative of BMO that is incorrect they tell me there is nothing more they can do because it is another department that deals with this type of issue. When I request to speak to the other department they tell me I can not. After multiple phone calls to BMO to get my money back with no more assistance than previously, I reached out to my bank, XXXX XXXX, to assist with and recover the claim. XXXX originally credited my account for the {$390.00} but then deducted it again as they were unable to receive feedback from BMO. I have called many times and even gone to the BMO branch to discuss with a manager, as this has been on-going since XXXX of 2022, so oveXXXX XXXX months and BMO is still not responding. I have spent far too much time trying to get my money back from BMO Bank without even making a small progression towards rectifying the problem and returning my money. 

I have print outs showing the checks and the endorsement by BMO, as well as my claim paperwork I submitted to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inquiries that was not made by me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX 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: Bank account or service

I went to Chase Bank website to check my refund status and noticed that my refund had not yet been deposited. I checked IRSXXXX with my personal information and I made an inquiry and determined that on XXXX XXXX 2016 my refund had been deposited in to my account. I checked my Chase account and to my surprise it was not in my account as indicated by the IRS. I called Chase and asked why my money was not in my account, Chase bank claimed to not know anything about my refund and suggested I call the IRS. I called the IRS to question my refund - They reported the IRS would have to investigate further - subsequently mailed us roughly XXXX weeks later, we received form # XXXX stating " your refund was direct deposited into the account indicated on your tax return. If the account number on your return was incorrect, you must contact your financial institution to resolve the erroneous deposit. '' All attempts to resolve this matter were met with negative results. It has since been determined that the finical institution ( Chase Bank ) violated their own security policy and procedures by failing to ensure that the name on the account match the names on the IRS prepared deposit.
Product: Debt collection

I wrote to both of these companies on XX/XX/XXXX via certified letters. I wrote Celtic disputing the original debt and informed XXXX XXXX XXXX that the debt was illegally purchased. 

RE : XXXX XXXX XXXX : {$380.00} RE : XXXXXXXX XXXX - Indigo Mastercard : {$380.00} It is in XXXXXXXX XXXXXXXX  Terms and Conditions to not share my information which they have done. In addition, they have not provided me equal consideration considering how money is created. I can share my original letter to both of them which was notarized and certified. XXXX XXXX responded by sending me many bills of exchange via mail without them being USPS registered or certified by law XX/XX/2023. 

It is such a small amount of money that I shouldn't need to take them all to arbitration but I will if this can not be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 TransUnion LLC sent me a letter requesting additional information needed to complete the accurate credit information they say that I was given a free annual credit report from TransUnion already within the past twelve month. So now they're expecting me to call them and pay {$11.00} to get another credit report I have fraud alerts extended fraud alert security freezes credit alerts credit freezes promotional opt outs recently get was denied credit credit was denied and I should get a free copy of my credit report for accuracy to check it I don't know why they won't work with me I am filing this complaint with cfpb to engage with them to get a reasonable outcome.
Product: Debt collection

Our mortgage was purchased by NewRez approximately 4 years after we purchased our home. Our mortgage has been sold a few times with no issue making payments and paying into escrow. Our property taxes and insurance have always been paid, no issues. NewRez does an escrow analysis when they get our mortgage and makes an error somewhere along the way and says we are negative over {$16000.00} in escrow, essentially saying we never paid escrow and therefore werent paying property taxes. This is incorrect. A quick look at our publicly available assessor site shows we are current on our property taxes. We have always had coverage on our homeowners insurance. We have never had PMI. They doubled our monthly payment to recoup the over {$16000.00} that we arent even short of. It seems when they got our loan their escrow analysis said we never paid into escrow, not once. I dont know how that wouldnt be a red flag in their system to maybe get someone to double check this obvious error. Ive been trying to get this resolved since the week we got the letter back in XXXX. The first person I spoke to said it would be taken care of in XXXX business days. The next said 30 days, even when it had been over 30 days since I called the first time. Its now been 45 days, and I call and they say they are expediting but nothing is getting done and they are pulling double what we owe out of our account each month. This is stealing, and this company almost feels like its a scam seeing how long they can get away with stuff like this until the government shuts it down, if they ever will. I need that money they stole back in our account, and they need to stop pulling double our mortgage payment out going forward. I could do a better job managing our escrow account / payments, and several other mortgage companies before them could as well. I dont trust them to do the main function of their job - make accurate payments. I need to be reimbursed immediately and future payments corrected before more money is illegally taken from our account.
Product: Money transfer, virtual currency, or money service

A couple years back I used Zelle through my bank. I accidentally Zelle a unknown person and was not able to get it reversed
Product: Credit reporting or other personal consumer reports

Experian did not perform an investigation. they simply updated the date of last activity on everything. There is no payment data. there is no data regarding date of last activity. they simply updated everything to XXXX without proof. it is so frustrating to have no recourse against these credit agencies. I can not send the company a dispute directly because they always claim they can not verify my information and then they make up data. this is ridiculous.
Product: Debt collection

I 've previously submitted a complaint against this company and did n't receive validation or a contract stating anything. This company has lied and said they sent papers to my 'Previous Address ' and also claims to have spoken with me this year which is a lie. They have violated m y Hipaa rights.
Product: Credit reporting or other personal consumer reports

Spoken to representative on XX/XX/year>. I notified agent that their reporting of my account is wrong on all XXXX credit bureaus. It states my account is closed which is incorrect. States wrong last payment. Account status states repossession which is the wrong account status. I still have the vehicle in my front yard due to I paid the reinstatement fees and the account was brought to current and have also made a regular payment on the account .so the reported balance is wrong. This has substantially lowered my credit profile more than it should be the company 's false reporting.
Product: Credit reporting or other personal consumer reports

All payments were made to XXXX XXXXXXXX XXXX XXXX within 30 days. I have all my payment confirmations. XXXX has reported that I have paid late on six occasions ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). information was only reported incorrectly to XXXX and transunion, experian is correct. I have reached out to them regarding this issue on 3 separate times. And no replies or information were ever provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. Equifax and XXXX has not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Mortgage

Preapprovals for a mortgage require hard inquiries ( vs soft inquiries ) on credit bureaus. The preapproval expires in 120 days giving me 120 days to find a house. If I don't find a home within 120 days, and I want to keep looking, I have to get another preapproval, which means another hard inquiry on my credit. I now have XXXX hard inquiries on my credit within a year. I stopped looking in XX/XX/2022, because I did not find a house I was happy with and I did not want another hard inquiry on my credit. Too many hard inquiries bring down credit scores. 

It is now XX/XX/2022. I want to look at a house I recently found but my Real Estate Agent only works with people who have a preapproval. She wont show me the house without a preapproval and the Agent for the house wont show me the house without my Agent being present. I don't want to go through another preapproval because I am bringing down my credit by doing so. I am not applying for a mortgage yet, just the preapproval for one, why is it a hard inquiry? 

The credit bureaus have made a change due to Covid 19 to temporarily give out free reports once a week, but this problem has not been addressed. I want to buy a house but can not even look without risking bringing down my credit. If a change was made to make the preapprovals soft inquiries, like when credit bureaus allow lenders to do for some credit card offers and car loan offers I get, I wouldn't have to risk my credit just for looking for a house. I was told by XXXX XXXX Supervisor XXXX XXXX id # XXXX ), that the same information is given to Lenders for soft inquiries as hard inquiries, but she did not know why preapprovals for a mortgage had to be a hard inquiry- she said its just the way its done. I asked where that guidance came from and she said it was the XXXX XXXX XXXX, which did not make sense to me so I repeated what she said to me to clarify and she insisted the XXXX XXXX  XXXX. The XXXX  referred me to CFPB. I spoke with XXXX today at CFPB and she agreed that it did not make sense, took a report and advised me to file this complaint. I did on Friday the XXXX and received notice today from CFPB they needed more information. I called them and XXXX there told me it had to do with my needing to file separate complaints against the XXXX major credit bureaus verses one complaint. She withdrew my complaint from Friday and I am refiling today. 

I provide a solution to the problem without full insight, but still a solution. It is my understanding Covid 19 caused the housing shortage, people not wanting to move during a pandemic, interest rates being dropped to help motivate people to borrow and move the economy along. What could the benefit possibly be to negatively impact a potential borrower 's credit with a preapproval for a mortgage? It isn't the mortgage itself that is being applied for but a preapproval for the mortgage just so I can look. I am even using the same company for the preapproval. 

My request is for CFPB to find out who provides the guidance to the credit bureaus and request a change on behalf of all consumers to allow preapprovals for a mortgage to be soft inquiries vs hard inquiries.