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

EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor-XXXX XXXX Inquiry XXXX XXXX XXXX XXXX  XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024
Product: Checking or savings account

My credit card information was stolen and used to make a purchase I did not authorize. I have filed 3 disputes, with proof and am still being denied reimbursement. The invoice attached shows the item was not sent to my home address as listed on my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help with rectifying the late payment on each of my XXXX accounts I have with United Wholesale Mortgage. I slightly remember there being some sort of technical issue with online banking when trying to make the payment in XXXX. I thought I had submitted the payments but according to my credit reporting it says otherwise. I looked at my bank statement in XXXX and it shows that payment was made on XX/XX/2022 to both accounts. Please see attached statement. I had full intent to pay and have many mortgages with UWM and plan to have more in the future. As a one time courtesy and out of goodwill, I graciously ask UWM to help me resolve this matter by removing both late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I wrote to TransUnion requesting an investigation into items that I believed were inaccurate. 

Now as date of XXXX, TransUnion failed to provide any investigation result
Product: Debt collection

{$1500.00}, XX/XX/year> and the company called fair collections and outsourcing They keep calling my phone and sending text messages to my phone number with different companies
Product: Credit card

On XX/XX/2023 I made a payment to my USAA Credit Card from my Chase Checking Account in the amount of {$1000.00}. USAA puled that money from my Chase Checking Account on XX/XX/2023 and never applied to my USAA Credit Card. When I asked for USAA to either apply the money to my credit card or give it back ; USAA said that they investigated the issue and determined that they didnt do anything wrong. I have the XXXX XXXX of my dealings with USAA as well as statements showing that they did in fact took {$1000.00} from me. I need help in getting my money back. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the items below all be updated to paid as agreed on my consumer report. 
Account : XXXX Date open says open XXXX and XXXX XX/XX/XXXX XX/XX/XXXX High Credit : The date open is reporting 3 different dates {$410.00} {$410.00} {$0.00} The credit limited is reporting {$410.00} but reporting {$0.00} on another one so that is not accurate in a credit report suppose to be 100 % accurate Past Due : {$0.00} {$43.00} {$43.00} Past due is reporting {$0.00} on one and reporting {$43.00} Payment Status : Current Current Late 60 Days Payment says current but then is reporting 60 days late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reporting XXXX and XXXX that is inaccurate information Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting to many different dates as late payment one says XXXX and other one says XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates on last active XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong information on late payment Payment Status : Late 30 Days Late 60 Days Late 60 Days Payment status say 30 late days and one say 60 late days so can you take the late payment off because I was never late Account # : XXXX XXXX XXXX Is reporting wrong late payments I was never late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reported XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of late payment say XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong I was never late Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active says 3 different dates XXXX and XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last payment is reporting 2 different dates XXXX and XXXX Account # : XXXX XXXX XXXX I was never late on this account Account # : XXXX XXXX XXXX Reporting different dates Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date open reporting 2 different dates XXXX and Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting 2 different dates XXXX and XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates XXXX and XXXX Account XXXX Account is not accurate Account # : XXXX XXXX Account is not accurate
Product: Credit reporting or other personal consumer reports

recently reviewed my Consumer Reports and noticed that I had a late payment reporting from XXXX when in fact I was NEVER late on that account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have NEVER been late for the account ( Creditor : XXXX # XXXX ). Please investigate and provide Proof with statements showing that this payment was late. If proof can't be provided I demand this payment be updated to ON TIME as it should be as I was NEVER late!!! 

Also, When looking at this account, I noticed that the Open Date, High Credit, Last Reported Dates and Last Active Dates, as well as Dates of Last Payment all vary between the 3 bureaus ( XXXX, Transunion and XXXX ). -- See attachment with above circled in red... 

In short, under 15 USC Section1681e ( b ) ( b ) Accuracy of Report 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 know that under 15USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation Thanks for your help in this matter!!!
Product: Credit reporting or other personal consumer reports

I'm a victim of the of the Equifax Data Breach, as well as victim of the NPDData Breach, my personal information has been compromised, leading to several fraudulent accounts and inquiries which include 28 critical findings tied to my identity within the breach which led to me being a victim of Identity Theft. In addition, I'm also exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1581 et seq., the Consumer Finarrcial Protection Act of 2010 ( CFPA ), 12 U.S, C, 5536 ( a ) ( lXa ) - ( b ), 5564, and 5565, and my right to privacy as specified under 15 U.S.C. 1681 ( aX1 ) - ( 4 ). I have reason to believe that my credit file has been subjected to improper investiqations or reporting practices, which have led to inaccurate reporting of my information. Furthermore, I believe EQUIFAX 'S handling of my credit file may violate my privacy rights as guaranteed under the FCRA. As I've requested EQUIFAX to provide their method of verification several times back in XXXX, XX/XX/XXXX, and as late as XXXX of XXXX
Product: Mortgage

I'm a closing attorney. I need to receive a payoff of a reverse mortgage from XXXX for an upcoming closing. I sent a request for a payoff for an upcoming closing on XX/XX/2021 to XXXX. I have not heard anything back. I attempted to call and was on hold on XX/XX/2021 for 2 and 1/2 hours. I attempted to call on XX/XX/2021, and waited an hour and no one picked up. This closing is scheduled for XX/XX/2021. The borrower has lost out on 2 potential previous sales of the property due to lack of payoff information. The previous closing attorney has been waiting since XXXX for payoff information.
Product: Money transfers

I used Paypal to pay for an online order placed with XXXX on XX/XX/XXXX. I returned XXXX items from that order to the store on XX/XX/XXXX for a total credit of {$210.00}. I also returned other items to the store from other orders on XX/XX/XXXX and saw the credits post to my Paypal account on XX/XX/XXXX. However, the {$210.00} credit still has not posted to my account. XXXX confirmed the return was processed on XX/XX/XXXX. I contacted Paypal via phone on XX/XX/XXXX and they opened a dispute. However, after I submitted the evidence showing the receipt from the store showing the return of {$210.00}, XXXX emails from XXXX indicating the items were returned, and 2 other emails from XXXX stating the credit was processed on XX/XX/XXXX, Paypal closed the claim on XX/XX/XXXX ( which their representative opened on their end with incorrect information ) and did not credit my account or provide any explanation. Thus, I am still owed {$210.00}.
Product: Debt or credit management

I got scammed and sent the money through navy fed to navy fed transfer and complained when I found out this guy was malicious XXXX dollars I called and complained and navy fed said there was nothing they can do cant even use his email to seize the asset this moment literally messed me up for years my entire XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$990.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I created a PayPal account because I needed to sell tickets to an event I could no longer attend. I created the account very easily able to link my debit card to PayPal. When I tried to link my bank account I experienced numerous issues and had to call PayPal ( waited 45 mins on the phone ) for them to have someone link the account for me. 

When the money was transferred into PayPal when I sold the tickets I tried to transfer the money to my bank account. I received an error message saying they could not verify it was me. I then tried using the PayPal app on my phone.. .again, same issue. 

They purposefully make it difficult to transfer money to your bank account to avoid the 1 % fee they charge if you transfer to your debit card. You then have to call the XXXX number and wait on the phone for 45 mins ( at least ) to speak to someone to have them transfer the money to your account. 

This is a terrible company and one that I would suggest get flagged by regulators. All one needs to do is type in " PayPal Reviews '' in XXXX to see the frustration we all experience. If I had another option on XXXX I would utilize that option but they do not give you another option aside from PayPal. 

They purposefully want you to keep money in the PayPal account so that you buy and sell goods using that account. I am beyond frustrated with them and again point you to numerous complaints on the internet to learn what we all know - they should not be in business... I'll even give you the link : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing these FRAUDULENT inquiries since last year. equifax is illegally detaining my right to have an accurate reporting! they keep on stalling removing these negative. Remove these inquiries as soon as possible in compliance w/ FCRA. 

XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : 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.
Product: Mortgage

Please review attachments Round Point Mortgage open a new loan account number XXXX, Principle and Boarding Amounts on XX/XX/XXXX. But Round Point Mortgage did not apply all said funds to the above account, when XXXX  XXXX XXXX forward and release the funds to new servicer Round Point Mortgage on XX/XX/XXXX. Missing mortgage payments was noted on payment history statements and the {$18000.00} check from Florida hardiest hit program also was not noted on the payment history statements.what happened to these funds? Also the XX/XX/XXXX loan modification agreement Round Point Mortgage applied fraudulently new money XXXX to that loan, what was that money for? And why did they make me pay and charge me for something I didnt know about?
Product: Checking or savings account

I am filing a complaint with your office because TRUIST wrongfully closed three bank accounts ; the account my daughter shares with her husband, XXXX XXXX, the account I have with my daughter, XXXX XXXX, and the account where my daughter is the only user. My daughter and I have been with TRUIST for over twenty years. In that time, we have never as much as bounced a check nor have we have ever overdrawn our account. Despite our solid history with TRUIST, we received letters stating that our accounts would be closed within 30 days but stated no reason as to why TRUIST was closing the accounts. The person who signed the letter, XXXX XXXX, who is the Sr. VP of Operations with TRUIST refuses to return our calls. As a matter of fact, TRUIST is not allowing any of its employees to speak with us except for XXXX XXXX, who is either unable or unwilling to tell us why the accounts are being closed. 

It is my belief that the accounts are being closed because TRUIST is retaliating against us because my daughter and son-in-law filed a complaint with TRUIST regarding how they handled a merchant dispute. Over the last month my daughter and son-in-law filed several merchant disputes regarding trips they had taken to XXXX and XXXX. In almost all of the cases the merchants provided a credit. In addition to the credits that appear on their bank accounts, XXXX XXXX sent them a physical check which was deposited last month. Given that the merchants voluntarily issued a credit shows that the disputes were indeed valid. My daughter and son-in-law provided sound reasoning as to why they were filing the disputes and anytime a merchant issued a credit they notified TRUIST and requested that the provisional credit be taken back. In one instance, my daughter called and emailed the Retail Payments Department for two weeks to have a provisional credit removed from the account. 

The merchant dispute that caused my daughter and son-in-law to file a complaint was for a restaurant in Hawaii, XXXX XXXX. TRUIST erroneously assumed that they received the meal that we paid for, but they did not. My daughter and son-in-law did everything they possibly could to communicate to TRUIST that they paid for a meal that they never received but TRUIST would not take that into account and refused to work the dispute. After spending weeks trying to get TRUIST to properly understand the situation my daughter and son-in-law filed a complaint on XX/XX/2021, at the suggestion of XXXX XXXX, who is a supervisor in TRUISTs Retail Payments Department. The next day the letters stating our accounts would be closed were generated. 

Clearly TRUIST is retaliating against us for filing the complaint. The fact that the letters stating our accounts would be closed were generated the day after my daughter and son-in-law filed the complaint is not a coincidence. What makes TRUIST actions even more suspicious is that they are refusing to provide any reason for closing our accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been notified previously that third party entity 's have been using my information for promotional use without my permission I have noticed that XXXX Bank and XXXX XXXX has filed inquiries that have no valid application supporting their use of my report I have tried to contact their legal offices XXXX  XXXX and representatives XXXX ( XXXX ) XXXX Commentiy but there's a automated system and they just hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I opt out and receive offers after i opt out. This has happen several times with Equifax. 
Equifax mails out missing pages or not a complete credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps saying that my CFPB complaints as well as disputes are coming from a third party when thats just not true. That would require the third party having my login information which is simply not true. I am sending all correspondence to my attorney on this matter. Im authorizing this dispute because I was the one that submitted the case
Product: Debt collection

Procollect Incorporated calls me at my phone number XXXX requesting payment of a debt for XXXX XXXX XXXX XXXX in the amount of {$2000.00}. I have repeated and told procollect Incorporated on 3 different occasions that I am not the person they are looking for - XXXX XXXX XXXX XXXX. today I spoke with XXXX XXXX at extension XXXX XXXX XXXX and XXXX XXXX at extension XXXX XXXX XXXX and they both told me that my phone number listed above was taken out of their system. I called back and asked the receptionist to research the account based on XXXX and my phone number is still associated with the person in which they are trying to collect a debt. 

Previously when I receive phone calls from procollect Incorporated, I let them know that this number was not associated with the person they are looking for and I was assured my phone number, XXXX, was removed from their system. I get called from their collectors about every month looking for the person above in relation to the debt they are trying to collect. I do not want to be receiving phone calls from procollect Incorporated anymore. 

I wish my phone number to be permanently removed from their system and to never receive a collection call from Pro Collect Incorporated ever again. 

I have the voicemail from todays phone requesting to contact me at my phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company named XXXX XXXX since XXXX regarding a personal line of credit that was issued. I have been provided with misleading information regarding the dispute of their investigation every since time! Ive spoken too a resolution specialist in the Iowa Office XXXX XXXX and he provided me the resolution too resolve the matter, and once I accepted that offer the executive office lost contact with that representative. The representative XXXX XXXX was unable to be reached.. I was given the run-around by EVERY supervisor when calling in AND, I had to provide my story every single time! This amount is excessive and higher than the original balance the company has been in a class action lawsuit XX/XX/XXXX regarding damaging credit and was suppose too release at least an amount of {$25.00} XXXX too non-compensatory damages. I NEVER received any information regarding they would assist as I complained EVERY YEAR too this company about my compliant. I have all documentation regarding the suit and how they allegedly claimed to help those who was hurt. Within the Case XXXX /Document XXXX 2. XXXX Benefits it states : Net Settlement Pool 1, which will be 77.46 % of the net settlement fund, will go too paying damages related too period running from XX/XX/XXXX through XX/XX/XXXX. The documentation Also states they as in XXXX XXXX would pay for the Fee Damages, and Credit Impact Damages for the XXXX to write and still leave at least {>= $1,000,000} for Non-Compensatory Damages The documentation states they are Obligated too pay the amount. It states as well if a previous consumer has complained too XXXX XXXX or Federal Agencies they would be automatically enrolled into the settlement in section ECF XXXX. AS I READ XXXX XXXX, XXXX XXXX XXXX has AGREED too pay {$1.00} XXXX towards their so called expert analysis which wouldve been the title of XXXX XXXX who was miraculously retired/and or fired.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX accounts were previously paid. Receipts attached. However, now way after they were paid Equifax has that the two accounts are late XXXX, XXXX & XX/XX/2022. These accounts are not late 120 days. These accounts were paid prior. Accounts XXXX. Please remove lates reports 120 days plus.