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

Credit Plus misused the access I gave them to my credit reports and over the course of 6 days managed to run my report on 3 additional days for a total of 6 inquiries than what was authorized throughout my home buying process. These excessive inquiries are preventing me from obtaining the credit needed to purchase a vehicle. The only AUTHORIZED inquires were from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. The following is a breakdown of the UNAUTHORIZED inquiries : XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX & XXXX & XXXX  XX/XX/XXXX XXXX After discovering the excessive inquires, I contacted Credit Plus and they provided no relief. I then received a copy of the authorization I signed with my lender which did not say that they would use my credit reports excessively. They did not address the fact that I was disputing inquiries that were not authorized. I am disappointed in the process for which they chose to use my authorized signature to retrieve my credit report on so many unneccessary occasions.
Product: Credit reporting or other personal consumer reports

I am once again writing regarding these accounts that have been reporting on my file for a while, and I found that there are inaccuracies affecting me and my score. I need to reiterate that these accounts are negatively reporting on my account and have no maximum accuracy.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$260.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00}
Product: Credit card

I called Chase Credit Card company on XX/XX/2015 that I wanted to stop any further charges from XXXX. I told them that I had originally authorized XXXX to use my credit card but now do not want any further charges from them placed on my account because I was paying them by other means. I was told a " stop pay block '' was placed and no further charges will accrue. The next billing cycle I had another {$100.00} charge from XXXX and I called Chase Credit Card company on XX/XX/2015, repeating what I told the last representative, to advise them of this unauthorized charge that I was paying by other means. The representative, XXXX, said I should have disputed the charge and that she will dispute the charge, that I will receive a letter that I have to sign and return in order to do so. I never received the letter. I received a phone call today from Chase saying that my account is past due. I opened the statement I received yesterday XX/XX/2015 and there is another charge for {$100.00} against my account. Now I am waiting for a very busy medical practice to call me back which is precisely why I simply wanted their access to my account deactived until I had another appointment with them. I have never received anything from Chase for me to sign to dispute this charge in order to stop this cycle of charges according to their rules. I would think two phone calls verbally requesting this would be sufficient. XXXX XXXX only requires one phone call to settle such matters ... for them my verbal authorization is sufficient.
Product: Checking or savings account

I opened an account at TD bank US prior of moving to the USA with assurances that I could manage all operations online. TD bank accepted several wires into this account for a total of around XXXX XXXX When I tried to wire money out, the online services refused to let me wire money out of the account stating an error code " XXXX ''. When I called to resolve this problem, the call center refused to help me because my phone number had changed, telling me I had to go in person to a TD bank location. This despite previous assurances that I would never need to go to a branch. They refused to explain why I could not transfer money out of my account. The closest location is thousands of miles away in Florida. Despite this, in XX/XX/XXXX I had the opportunity to go to a physical location and, after many errors and mistakes, was able to change the phone number including the one for authentification, and I tested the authentification online on premises. But they werent able to tell me why I could not wire money out and told me I had to call the online services. After I returned home in XX/XX/XXXX and tried calling again to resolve the wire issue they refused to authenticate me using the number I had provided on premise, despite previous assurances. 

At this point, in my last call on XX/XX/XXXX, TD Bank unconditionally refused to provide any path at all for me to be able to transfer funds out of my account, short of paying outrageous fees to withdraw it a few hundred dollars at a time at the ATM, or flying *again* to a branch thousands of miles away, which I already did and did not previously resolve the issue. They also refused to provide any path at all for me to close this account. The CSR refuses to identify herself or her superviser in any way.
Product: Debt collection

this collection agency calls me several times a day and treating to sue me for the medical bill I do not own. I informed this company to stop harassing me many times and continued calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, I received notification from the XXXX credit bureaus that my loan balance with XXXX has increased from {$19000.00} to {$19000.00}. I immediately spoke with a representative at XXXX and was advised that I would need to file a complaint for the incorrect reporting. XXXX sent me a transaction history reflecting the updated balance of {$19000.00} for the updated balance for the at the end of XXXX XXXX. I requested for balance loan to be updated with the XXXX credit bureaus and was denied and advised to dispute the inaccurate reporting myself. Due to the inaccurate reporting it is negatively impacting my able to obtain credit.
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts, these errors remain unaddressed, and I am becoming increasingly frustrated with the lack of resolution. I have previously provided detailed documentation, including account statements and correspondence with the creditors, verifying the correct status of these accounts. Despite this, the errors persist on my credit report. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must ensure the accuracy and completeness of the information they report.I am now seeking immediate correction of these inaccuracies. The failure to rectify these errors is causing significant harm to my financial standing. Please conduct another thorough investigation into this matter and correct the information immediately. I request written confirmation once the corrections have been made. With this, I am asking for your help to correct the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Provide validity of the accounts in attachment
Product: Credit reporting or other personal consumer reports

After XXXX attempts to get XXXX fraudulent inquiries removed from my credit report I have been unsuccessful with Equifax as they have been simply stone walling me with stalls in resolving the issue. I was notified by mail that health insurer did experience a breach of data and I suspect that this was the cause.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with c ertified US Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately! 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to Equifax and this is my second CFPB complaint. The issue still remains and beyond ridiculous! Let me say this AGAIN I DO NOT OWE AGENCY XXXX! I STILL HAVE NOT RECEIVED ANYTHING TO PROVE HOW THIS DEBT RELATES TO ME! I HAVE REQUESTED SEVERAL TIMES. Responding an account is verified is NOT validation. I have credit monitoring I sent screenshots showing where the they illegally changed the date of this fraud account Equifax is fraudulently reporting. After the CFPB investigation not only did they change the date the account was assigned they are reporting the same account twice. The account date was XX/XX/XXXX then changed to XX/XX/XXXX now it's showing XX/XX/XXXX and XX/XX/XXXX. This is ILLEGAL! Equifax is trying to re-age a debt that should not even be on my credit report as it DOES NOT BELONG TO ME! This is negatively affecting my credit rating my score has went down. REMOVE REMOVE REMOVE NOW! I plan to seek damages if this is not handled. I am being negatively impacted by this.
Product: Mortgage

This is my XXXX complaint on Chse Bank due to a home I have been trying to sell and now short sell for three years. We just recently got an offer within the limits and requiements of the short sell but Chase Bank is not using the recent appraisal of XXXX to make their decision and are denying the offer. Chase is still using an outdated appraisal of XXXX to make their decision. This is really hurting our chances of keeping these buyers and getting this property sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : Transunion, XXXX XXXX XXXX I have informed the consumer reporting agencies Transunion, XXXX XXXX XXXX by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX XXXX, Account # : XXXX XXXXAccount # : XXXX XXXX. Account # : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

1. I was checking my credit report on XX/XX/2022 and was surprised to find a medical collection for the amount of {$630.00} that I was not aware of and have not been informed about. 
2. On XX/XX/2022 I sent a certified mail with return receipt the the collection agency requesting a debt validation. According to the return receipt, XXXX delivered the mail on XX/XX/2022 at XXXX. 
3. To-date, the collection agency has not responded to my inquiry.

4. I have never sign any authorization to release my medical related information.

5. As far as I know, I do not owe this debt.
Product: Money transfer, virtual currency, or money service

I sent {$100000.00} to my XXXX IRA, missing 18 cents When I wire transferred the 18 cents their bank they chaged me {$15.00} for the 18 cents I am a retired person XXXX years old with a family, and I learned that I need to save even my pennies for my retirement. The bank name is XXXX XXXX XXXX Address : XXXX XXXX  XXXX, XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX My XXXX XXXX  branch in XXXX CA , didnt charge me anything for my wire transfer I need a refund for my {$15.00}, as for me as a retired person, not a small amount Thank you in Advance Blessings XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX CL
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # 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 have received a copy of my credit report and noticed that there is information reporting to my credit that does not belong to me. I have contacted each creditor which they failed to provide me with any original signed documentation, by me, stating that I entered into a contract or owe any debt to these creditors. The credit bureaus are violation the FCRA LAW CODE 609A AND WELL AS SECTION 605B. Information that does not belong to a consumer, must be removed within 4 business days of receipt of this information. I have contacted my attorney, who will be in contact with you in case there is not a timely manner and this matter is handled correctly. The following information does not belong to me, and i am requesting under federal law and well as the Uniform Commercial Code, that this information is PERMANENTLY DELTED. 

XXXX XXXX XXXXXXXX {$330.00}, XXXX # XXXX {$560.00}, XXXX # XXXX $ {$740.00}, XXXX XXXX  XXXX XXXX {$670.00}, XXXX XXXX XXXX XXXX {$620.00}, XXXX XXXX XXXX XXXX {$610.00}, XXXX XXXX  XXXX XXXX {$560.00}, XXXX XXXX # XXXX {$500.00}, XXXX  # XXXX {$2200.00}, XXXX  # XXXX $ {$0.00} XXXX XXXX XXXX  # XXXX {$0.00}, XXXX XXXX # XXXX {$0.00}, XXXX  # XXXX {$610.00}, XXXX XXXX XXXX # XXXX {$370.00} XXXX XXXX XXXX  # XXXX {$0.00} XXXX XXXX XXXX  # XXXX {$0.00} XXXX XXXXXXXX XXXX # XXXX {$0.00}. 
FAILURE TO COMPLY WITH REQUEST WILL RESULT IN A LAW SUITE THAT WILL INCLUDE ANY AGENCY REPORTING NEGATIVE INFORMATION TO MY CREDIT REPORT.
Product: Vehicle loan or lease

I purchased a new vehicle, and utilized Bank of America for financing. Upon getting my account information, I set up an Automatic Payment utilizing their Online BillPay functionality, in order to make sure all my payments were received on time. Yesterday, I received a Certified Letter that the account was delinquent, and they would be attempting repossession if not brought current. Though my conversation with their collection department, it was learned that BofA has been applying my payments for my car loan to my credit card, which had a zero balance, and now has a credit of well over {$1000.00}. I have attempted to correct with their online support team on the phone, who has transferred me to multiple departments, none of which appear capable of correcting the issue. When on the call with their last representative, when I explained the situation again, and he still could n't understand the problem, I asked to speak to a supervisor. Their Customer Service Representative then hung up on me. At this point, I still have been unable to have a CSR correct any issues, including the fact that they have reported my payments as late to the credit bureaus, impacting my Credit History.
Product: Credit card

I purchased tires with a credit card from synchrony bank on XX/XX/XXXX for {$1000.00} and never received my credit card in the mail. When I finally received a card in the mail and checked my account to pay my card they double charged my account the purchase price of {$1000.00} so my balance ended up being XXXX. I have been calling since XXXX to fix this issue and each time they tell me its gon na take 1-2 billing cycles to process this issue and they have yet to fix anything they tried adding a promotional balance on XX/XX/XXXX and they took back the balance the same day.
Product: Debt collection

I am a minor. Years ago, I signed up for a gym membership, without knowing all my options. The Gym is called XXXX XXXX. I quickly realized that I did not need a full year contract. After using the gym for no more than XXXX months, I proceeded to cancel it. Being given different information by different reps over at XXXX XXXX, they prolonged the process, telling e to wait months. And each month came and they would give me another excuse. They asked for proof of me being a minor and then told me that it was n't enough. After months of a wild goose chase, I called my parent 's credit card company. They told me to not worry about it. I told them about the whole situation and how saw that others on the internet have also complained. They stop the charges and filed a complaint with the XXXX. We never heard about my membership since. All the online reviews seem to point toward exploitation of minors. 
Now, within the last few days, First Credit Service have been nonstop calling my parents about this. Due to my parent 's XXXX, the rep asked for " authorization '' to speak to me, the minor. I called them and asked about it. The numbers do n't add up to my original plan. They stated that it was for XXXX months. This added up to XXXX dollars. I told them information about which they seem to have no idea about the situation. They say that I need to file a dispute about a balance that I thought stopped. They asked me questions about my family. It seemed like they were just trying to collect information. They seem to exploit fears I told them about thing becoming litigious. Also, a bad credit score. I 'm turning XXXX. And they told me that they were on my side. " call me a friend, '' they said. That 's when I realize how similar it was to a cliche scene of good cop, bad cop. It was a very manipulative conversation. Although they said stuff, a lot of stuff sounded open ended. They also told me that my dispute will take months and that it was not likely to go through. I asked about how it was going to be investigated. They told me that they will decide and I was baffled. It 's like saying that the procedure is for me to say what happened, then they say what happened, and then they decide who is right.