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

I got a bunch of hard inquiries in my report in XXXX and XXXX which are not mine. 

We found a new credit inquiry on your XXXX credit report. 

Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourceXXXX Alert DateXXXX XXXXnquiry DateXXXX NameXXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXXXX XXXX StateTX ZipXXXX We found a new credit inquiry on your XXXX credit report. 

Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX XXXX XXXX PhoneBYMAILONLY Business TypeBC Street Address XXXX XXXX XXXXXXXX CityXXXX XXXX StateSD ZipXXXX We found a new credit inquiry on your XXXX credit report. 

Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourceXXXX  Alert DateXXXX Inquiry DateXXXX NameXXXX  XXXX XXXX Phone ( XXXX ) XXXX Business TypeBC StreeXXXX Address XXXX XXXX XXXX CityXXXX  XXXX StateIA ZipXXXX SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX XXXX XXXX XXXX  PhoneBY MAIL Business TypeBC Street AddressXXXX XXXX XXXX CityXXXX StateNJ ZipXXXX SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX XXXXXXXX XXXX. 
Phone ( XXXX ) XXXX Business TypeFA Street Address XXXX XXXX XXXX CityXXXX StateAZ ZipXXXX SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX XXXX XXXX PhoneBYMAILONLY Business TypeBC Street AddressXXXX XXXX XXXX  CityXXXX XXXX  StateDE ZipXXXX  SourceXXXX  Alert DateXXXX Inquiry DateXXXX NameXXXX XXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXXXX XXXX XXXX StateUT ZipXXXX Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourcXXXX  Alert DateXXXX Inquiry DateXXXX NameXXXX XXXX XXXX Phone ( XXXX ) XXXX Business TypeFA Street AddressXXXXXXXX XXXX XXXX XXXX XXXX CityXXXX  StateGA ZipXXXX SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXXXX XXXX StateTX ZipXXXX SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX XXXX  XXXX PhoneBYMAILONLY Business TypeBC Street Address XXXX XXXX XXXXXXXX CityXXXX XXXX StateSD ZipXXXX SourceXXXX Alert DatXXXX Inquiry DateXXXX NameXXXX XXXX XXXX PhoneBYMAILONLY Business TypeBC Street Address XXXX XXXX XXXXXXXX CityXXXX XXXX StateSD ZipXXXX SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX  XXXX XXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXXXX XXXXXXXX StateIA ZipXXXX SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX Phone ( XXXX ) XXXX Business TypeBB Street AddressXXXX XXXX XXXX CityXXXX XXXX StateTX ZipXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I asked for both a security freeze to be placed and also a request for my full credit report disclosures, as i have read before this company seldomly likes to comly with FCRA guidlines, so i no ask the CFPB to help resolve this matter.
Product: Credit reporting or other personal consumer reports

THERE ARE XXXX FRUADULENT HARD INQUIRIES ON MY XXXX CREDIT REPORT AND XXXX FRAUD HARD INQUIRIES ON MY EQUIFAX REPORT THAT I DIDNT AUTHERIZE, I HAVE SPOKEN TO XXXX XXXX TIMES ABOUT THESE ITEMS AND NOTHING HAS BEEN DONE ABOUT THEM. AND XXXX CONTINUES TO REPORT THESE FRAUDULENT ITEMS AS IF THEY ARE ACCURATE. THESE ARE THE FRAUD ACCOUNT I WOULD LIKE REMOVED AS SOON XXXX POSSIBLE. 

FRAUDULENT HARD INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX FRAUD ACCOUNTS ; EQUIFAX FRAUD HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE ARE XXXX FRAUD ACCOUNTS REPORTING ON MY CREDIT I DIDNOT GIVE XXXX CREDITOR PERMISSION TO ACCESS OR USE MY CREDIT I ALSO HAVE NOT APPLIED FOR XXXX CREDIT OR CREDITLINES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act US DEPT OF E/XXXX Account # XXXX, US DEPT OF EXXXX Account # XXXX, XXXX XXXX XXXX  Account 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 , US DEPT OF EDUCATION/XXXX  Account # XXXX, US DEPT OF EDUCATIONXXXX Account # XXXX, US DEPT OF EDUCATIONXXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Recently, I received a copy of my credit report and found several inaccurate information and fraudulent accounts on my credit report that were not opened by me ( See attached FTC Report ). I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I communicated with the alleged debtors and requested proof of claim and to validate the debt within 30 days ( See attached Debt Validation Letter ), and so such debt was validated.. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, a line of credit or for to procure goods and services.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Mortgage

We applied to Lakeview for a 90-day forbearance back in XXXX, when COVID hit, and were approved. I've tried for the last 60 days to extend the forbearance, as they suggested through numerous emails to me and letters in the mail. I've called them three times and get confirmation numbers about my application each time ( here are two : # XXXX and # XXXX ). I've emailed them from their website numerous times. Can't reach an actual human on their phone tree. I have left a voicemail one time. 

My forbearance runs out XX/XX/. 

Need help reaching this large mortgage company. My loan number through Lakeview is XXXX
Product: Money transfer, virtual currency, or money service

Im 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 of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

On XXXX/XXXX/17 XXXX debited {$120.00} and cancelled it the same day as I paid cash with them. I called Rush Card and was told I have to wait 10 days for my money. The transaction is still pending and is. It going to post since it 's been cancelled
Product: Mortgage

I am filing this complaint because of deceitful if not illegal practices regarding the short sale of my property. 

1. OnXX/XX/XXXX after seven months in the short sale review and negotiation process, I received a written short sale counter offer from US Bank in the mail. 
2. The counter offer was to increase the purchase amount to no less than 95,000 and the facts in [ my ] application have remained the same. 
3. I accepted the counteroffer in writing and submitted as requested a valid Purchase Agreement [ ] byXX/XX/XXXX 
4. I included a settlement statement reflecting the conditions of the {$95000.00} price and all else remaining the same. 
5. The consideration for this agreement was an additional {$7700.00} in net proceeds to US Bank over my previous offer.

6. US Banks BPO on the property came back with a {$95000.00} valuation 7. OnXX/XX/XXXX I was informed that US Bank reneged on its own counteroffer noting an investor decision. 

In following up on this news, my attorney and I were told to call XXXX XXXX and discuss the issue with them. XXXX XXXX said because the short sale was in a foreclosure process, they could not talk to us. The agent said that an attorney needed to speak with another attorney at US Bank and referred us to the Legal Department at US Bank. They instructed me to call the toll free number for customer service and ask to speak with the Legal Department. We did that. The customer service agent at US Bank told me that she could not transfer me to the Legal Department because my account was flagged as mortgage assistance point, e.g. in loss mitigation. 

Instead, she transferred me to Loss Mitigation, who transferred me to another associate, who transferred me to one supervisor who transferred to another supervisor, who transferred me to a customer advocacy associate. The customer advocacy associate indicated ( as did the others ) that it was the negotiator who has the communication with the investor. We asked to speak with the negotiators supervisor and were told he would get back to us, but he would probably not be able to help because it was an investor decision. We were told the offer is rejected, but not denied. At that point, the customer advocacy agent advised me to file a complaint with the Consumer Advocacy Department. I did a week ago and have not received even an acknowledgment that the complaint was received. 

My position is that we have a legal and binding contract. US Bank sent me a counter offer, I accepted it and increased the price as consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, 2021 On two occasions I have cancelled a credit card because I haven't used it for a long time, many years, and don't need it. In both instances, I received an email a couple days later telling me my credit score had dropped. I am in my XXXX 's and do not need all these cards. 

In both cases, I had never missed a payment, had not used the cards in years and the cancellation was at my request. Why should that impact my credit score? 

The most recent cancellation was with XXXX XXXX XXXX. 

Last year, I cancelled XXXX XXXX which had a high credit limit on it and I had had the card for decades and that was a big hit to my credit score. Again, no late payments, no recent usage and cancelled at my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX BK OF AMER XXXX, BK OF AMER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint early today and it didnt take. Attached is a letter from XXXX Bank. This letter proves that the XXXX accounts that were dumped into my credit file last month were done in error. This letter proves there was no validation done with the original creditor or those accounts would not have been validated. The ATTACHED letter clearly shows the XXXX accounts I am referring.
Product: Credit reporting

I disputed XXXX XXXX XXXX XXXX XXXX accounts back in XXXX 2015 and those accounts were removed from my Experian credit XXXX 2015. As of today they are appearing on my report after a long investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

ID theft victim, unknown acct, police report filed
Product: Debt collection

Regarding, Summons Case No XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX WA XXXX XXXX I have received through a second hand source a summons to me for collection of debt of {$1600.00}. This summons was never officially served on me, but instead, forced upon my non-relative roommate prior to XXXX XXXX in clear violation of the Fair Debt Collection Practices Act. I am assuming that the collections firm will try to declare that this was a formal serving to me even though I was never present. I am asking XXXX, my designated agent for handling my debts to respond anyway, but making it clear that this is a response based on obtaining a copy of a summons that has never been officially served. 

The summons contains false statements. Namely, I am NOT married. I have been widowed since XXXX. And, they did not make repeated attempts to collect as stated in the summons. I have only received one notice from the collections company which was immediately forwarded to XXXX who responded. It has been made very clear that I actively want to resolve this debt. I am informed that the collections company refused an offer of settlement and repayment and did not offer any counter proposal for settling the debt. A lawsuit is their response instead of attempting to settle or arrange for payments. 

Official written statement from my roommate : *** Received via text message XX/XX/XXXX *** Here is my statement : On XX/XX/XXXX, at about XXXX XXXX. as I was preparing for work. I heard a loud banging noise from the front door. Ignored it for a little bit since Im in the bathroom XXXX and not in a position to answer. Finished my bathroom chores and dressed up for work and I again heard the loud door banging. I opened the garage door hoping to leave and ignore the door, but this guy parked on the driveway blocking my side so I had no choice and annoyed that I have to tend to him. At that point he asked if I XXXX XXXX. Of course I said NO and he asked for my name and after he served me the documents. 
*** end of message ***
Product: Student loan

To Date there have been no response for my request for an audit with FedLoan Servicing. Your form clearly states to mark " STILL EMPLOYED '' box, which indicates XXXX XXXX, XXXX XXXX, XXXX ( date signed ) that I am still employed with the XXXX FL XXXX. No Public Service Loan Forgiveness ( PSLF ) credits were issued XXXX XXXX, XXXX - XXXX XXXX, XXXX ( date document signed ). Clearly that is more than the XXXX Credits FedLoan reports. 
2. FedLoan is falsely reporting I was in forbearance for times when payments were made. I would not make payments during forbearance ( i.e. that is what forbearance requests is for ... inability to make payments ). 
3. FedLoan Servicing intentionally mislead me by offering to consolidate my other XXXX loans into Direct Loans so that the Public Service Loan Forgiveness payments for those loans will apply since they will also be converted under a Direct Loan. Then, FedLoan Servicing enrolled me on " graduated payments '' fully knowing this plan will not make any payment eligible for the Public Service Loan Forgiveness program. 
4. Not explaining the information unless asked directly leaves the consumer to " have to '' be able to ask the right questions - which we obviously do n't know, in order to receive assistance - this is misleading and deceptive. 
5. I learned today that a 2.5 % reduction in interest rate is also available to me by paying via direct debit ( my payments are ACH 'd every month via WebPay at XXXX XXXX XXXX XXXX ). This was neither offered nor advised upon several of my phone calls and faxed correspondence with FedLoan Servicing.
Product: Checking or savings account

Bank of America is inconsistent with the way they manage my business bill pay which makes it Impossible for me to know how much is in my account. They sometimes deduct the funds on the day it is scheduled, and sometimes do not. They have for 10 years I have had bill pay deducted the funds the day the payment is scheduled, however in XX/XX/2022 they changed it without warning causing me to bounce checks, I made a complaint thru cfpb and they fixed the problem, however today it has started again, I had scheduled XXXX to be paid today and those funds still show in my account making me think I have XXXX more in my account than I really do XXXX XXXX XXXX XXXX XXXX XXXX View payment details to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX in the amount of {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment details to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in the amount of {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment details to XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX in the amount of {$490.00} XXXX oXXXX XXXXXXXX  XXXX plan XXXX View payment details to XXXXXXXX XXXX XXXX plan XXXX on XXXX in the amount of {$100.00} XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XXXX XXXX XXXX amount of {$850.00} XXXX LXXXX XXXX XXXX XXXX payment details to XXXX XXXX XXXX, XXXX XXXX in the amount of {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX .... Balance : {$17000.00} ; XXXX XXXX XXXXXXXX XXXX .... Balance : {$5100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$2600.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$4600.00} ; XXXX XXXXXXXX XXXX .... Balance : {$1900.00} ; XXXX XXXXXXXX XXXX. Balance : {$1900.00} ; XXXX XXXX XXXX .... Balance : {$410.00} ; XXXX XXXXXXXX XXXX .... Balance : {$3700.00} ; XXXX XXXX XXXX .... Balance : {$450.00}
Product: Checking or savings account

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, Today, XX/XX/XXXX of 2023, I checked my Bank of America accounts online, and found out there was a charge to the joint account ending XXXX {$8.00} by XXXX XXXX. I asked my son regarding this charge he told me this charge was meant for anime subscription ; however, as you can recognize it on the printout, the merchant category of your bank record said, digital goods, games. Unfortunately, the conversation with my son was performed by text message of my old phone ; therefore, it is impossible to provide the printout. After my question to him, where did you get that company information, the message had stopped with my son. Upon the request of my complaints and disputes, the XXXX XXXX XXXX had already refunded the charges made by XXXXXXXX XXXX  for XXXX months totaling about {$48.00}, I seriously consider this charge to my Bank of America debit card must be illegal and fraud. For these reasons, I request the refund of {$8.00}. 

Sincerely,
Product: Checking or savings account

A scammer called me after I placed an ad on XXXX seeking a loan. XXXX at XXXX XXXX said he would help me get the loan money I needed. 

XXXX told me to take {$400.00} from my checking account and buy a gift card and then take photos of the card and receipt and send the photos to him as an attachment to a text message. He then said to withdraw another {$400.00} and repeat the process. Then he said take out another {$100.00} and repeat the process. My bank, JPMorgan Chase, denied the third transaction. 

XXXX said he had a way to fix that problem so that he could complete his loan for me. He said he would need my account information. I gave it to him. He insisted that he also needed my password, but I said no. He then said I could simply change my password to protect my account. I said OK, gave him the password, then immediately changed my password with Chase bank. 

I then called Chase immediately after that and asked if they had spotted any unusual or fraudulent activity on my account. The Chase CSR said no. 

I was contacted by the criminal again on XX/XX/scrub>XX/XX/XXXX. I foolishly allowed him to have the code I got from Chase to change my password. The scammer then entered my Chase account and stole {$1600.00}. I was subsequently notified by Chase that my account was locked, and shortly after that I was notified by Chase that they had closed my account. 

I then spent many hours on the phone with Chase CSRs. They said I could not recover my money because I had provided my account information to the scammer. The Chase representatives said the whole thing was my fault, and therefore the bank needed to preserve its assets and would keep the money that was deposited into my account by the Social Security Administration and Veterans Administration as my XX/XX/year> pension benefit. 

I have since opened a new checking account with XXXXXX/XX/XXXX and have arranged to have my pension money deposited directly to my new bank account. 

Thank you for your time. Please help me recover my money.
Product: Vehicle loan or lease

This is an addendum to the previous complaint regarding making payments. As of today, Ally has reported to all credit bureaus because of the complaint I only posted yesterday that I am 60 days late. I made a request yesterday to Ally since I can not get any resolution, I made a request to voluntary surrender the vehicle. They accepted that over the phone and said that I should leave the plates on the car and someone would contact me in a couple of days. Ally is guilty of retaliation. I am attaching in full detail all of the proof of false claims on payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a hard inquiry on my credit report from XXXX today XX/XX/2019 I have not Applied for any kind of credit in months