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

I've noticed that some of the inquiries on my report were done without my consent. I've reached out to each bureau, but have been ignored. Here are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian
Product: Debt collection

i called on X/XX/2017 @ XXXX and i called several times to speak to who ever was handleing my file, the representive transfer me to a male who answere the phone, my phone was turned all the way up so i told him i could not here him at all, he said you are the frist to tell me this, so then i think he turned it up because it became clear but he got smart after doing so, and told me that i had an attitude, and i need to call back and hung up in my face, i called then to take care of a debt that i owe a medical bill. i am a elderly woman trying to take of my debt and he was so rude. so i called back the same person reckonize my voice right away she transfered the called to voice mail, twice i tried so that is why i am writing this complaint.
Product: Debt collection

I just found out a Company by the name of ERC charged my credit card {$320.00} on XX/XX/19. On XX/XX/19 was the first time I was informed of this charge. I never heard of this company nor have I given out my credit card number to anyone from this company. I could not get any of the company 's representative to tell me what I was charged for, nor would they tell me how the they got my credit card information. This is a fraudulent action by this company. I am not alone with this complaint from ERC ( Enhanced Recovery Company , LLC ) There are numerous complaints filed on Yelp by other consumers. I did call my credit card company and disputed the charge. Some time ago, I recall getting missed calls messages telling me I was going to Jail and the Federal government was in the process of having me put in jail. I am federal worker, I am still employed as a federal employee and as of XX/XX/19 I remain not incarcerated. It just seem suspicious that My credit card was hacked and this company was able to file for funds from my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX this bank pulled my credit bureau report without my authorization and as a result now have a hard inquiry. I dont have an account with this company, nor have I ever applied for one. I need all inquiries by this company immediately removed.
Product: Money transfer, virtual currency, or money service

So Ive been having a lot of unauthorized transactions like reaccuring transactions but just about XXXX months ago I had lost all the money out my cash app because of somebody buying some food off of me then a month later she came and disputed the charge I would like to be refunded all my unauthorized transactions I have filed and ones I fell to see
Product: Credit reporting or other personal consumer reports

I have noticed several accounts on my credit report that do not belong to me. These accounts were opened without my knowledge or consent, violating my privacy rights under 15 U.S.C. 6802. I did not authorize the sharing of my personal information, nor was I given the option to opt out before these accounts were furnished on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request the immediate removal of these fraudulent accounts from my credit report. Additionally, I demand that any negative information associated with these accounts, including late payments and charge-offs, be deleted. I am a victim of identity theft and did not authorize these accounts ; therefore, they should not be reported on my credit file. 

This situation has caused significant harm to my financial well-being, and I request your prompt action to correct this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/, I check my credit report and noticed it was inaccurate for XXXX XXXX, XXXX. I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. I also sent in mail dispute to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. I also stated to please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account with 30 days.
Product: Debt collection

PROFESSIONAL BUREAU OF C did not send a 30 day validation notice. They have not send proper written notice. They are not available to be reached via phone.
Product: Money transfer, virtual currency, or money service

{$130.00} in total have been stolen from my account. From unauthorized users on Cash App and they also closed out my account with money and XXXX on it as well. 
On XX/XX/XXXX ( my birthday ), two unauthorized transactions happened : $ XXXX : {$100.00} $ XXXX : {$2.00} $ XXXX ; {$18.00} and {$12.00}. 
Cash App avoided answering me and even informed me that other people were on my account when they were the only ones who have had my information. Its been a month, Ive sent screenshots of my information being stolen and everything. I have messages informing me that someone unauthorized was in my account when Ive never given anyone my information, they even changed my information and took off my phone number from the account. I have a XXXX year old and need to take care of her. That {$130.00} is not something that I can spare.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$7800.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XX/XX/2020 US SM BUS ADMIN ODA XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020
Product: Credit reporting or other personal consumer reports

I reached out to Experian in late XX/XX/2023 to find out how I could order a credit report for an employee ( myself ). I needed a credit report dated within 90 days to submit with an application to US Customs and Border Protection for a US Customs Brokers license. 

I received a reply from XXXX XXXX XXXX XXXX stating that if I needed a single credit report that I should have the employee order it from experian connect program. It could then be shared with the company. 

I did that but the report was not dated which is a requirement for the application. I reached out again and she told me XX/XX/XXXX that when the report was shared with the company that it would be dated. It was shared and again the report was not dated. I reached out again and told her it was not both by email and leaving her voice messages. She advised me to contact XXXX on XX/XX/XXXX. 

I called that number several times and was only given the option to put a credit hold on my account or purchase a new report. It was entirely automated and did not give me the option to speak to a representative. I submitted another webform that day to complain to experian connect. I have gotten no response. I then reached out to Experian on XXXX. on XX/XX/XXXX. I was told that it was Experian.com and not XXXX and they could not see my order. I was given the email address for experian connect. I sent them an email that day. No response as of yet. I also emailed XXXX XXXX again. 

On XX/XX/XXXX she replied with the phone number of XXXX. After several unsuccessful calls ( the automated system kept dropping the call as did agents while transferring me ) I finally spoke to someone. Who, again, could not help me. He was in the disputes department. He told me he would send out a credit report by mail but did not know if the date would show on that report. He transferred me to the membership team whom he said would be able to help me. 

I spoke with XXXX ( she would not provide an employee number or last name ) but said she was a supervisor. She gave me a case number but stated that she could not see that I had requested an official credit report and was therefore not able to issue me a refund for the purchased credit report. She said the report the other agent was mailing would arrive in 7-10 business days. I told her it was fraudulent to charge me for a service and not provide it when I had been so clear from the beginning what I needed and that it was required for the US Government. She advised that I could complain here and dispute the charge with my credit card company, which I have. 

If XXXX XXXX XXXX has to reply quickly in cases of business credit where the federal government is concerned I suspect the same is true for personal credit. 

Please let me know if you need the case number, or emails.
Product: Credit reporting, credit repair services, 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 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. 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: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
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. FCRA 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 : {$0.00} ; and XXXX XXXX XXXX : {$320.00}
Product: Checking or savings account

On XX/XX/2022, I issued a payment of {$550.00} to XXXX XXXX, through the Bank of America XXXX XXXX. XXXX XXXX never received the money. On XX/XX/2022, Bank of America received an affidavit from XXXX XXXX, confirming that they had not received the funds. 

To this day, Bank of America refuses to restore the {$550.00} to my account. The online bill pay department insists that Bank of America must collect the funds from the party who deposited the check, before they will reimburse me. 

I asked how long that would take, and they will not give me an answer. I asked where in the research process this issue stood, and they will not give me an answer.
Product: Credit card or prepaid card

I have contacted Chase multiple times on XXXX and XXXX for a credit card application due to misplaced fraud alerts. They repeatedly asserted to me over the phone that they are sending hard inquiries to XXXX, not XXXX. I agreed with the hard pulls under the impression that they would contact XXXX. It turns out that they lied every time. 

The choice between XXXX  and XXXX  matters here because they mishandled my recent fraud removal requests and I am still working with them to resolve the issues. Until the matters are settled, a hard pull from XXXX  would not help my issue with Chase but only damage my credit score. Chase thus unfairly harmed my credit score without my genuine consent on hard pulls.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with Equifax a couple months ago and they have not given me the investigation results or any correspondence in response to my dispute. The dispute was about a XXXX  XXXX account. I am not well versed with the Fair Credit Reporting Act or an expert at reading consumer reports so I am asking that Equifax ensures that all fields being reported are accurate, complete and verifiable. On the report I noticed that the account does not have a close date and the account is being reported on a monthly basis even though the account is already closed. Please see attached. I demand that this account is deleted promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments in the amount of {$2900.00} from XXXX/2022 - XXXX/2022 are not reflecting on my credit reports from LoanCare. I call in regularly to get this resolved and it has not been resolved.
Product: Mortgage

On XX/XX/2018, I received a response from CFBP complainant # XXXX. The response was a compromise from US Bank lowering the original quote of 1 % of the original loan amount to 0.25 % of the current loan amount as a fee/penalty for removing the escrow account and allowing us to pay our taxes and insurance ourselves ( see below attachment ). The response advised that we needed to send a written request to a specific entity with US Bank. We sent an email and a certified letter to the location that the specified. In this letter, we asked if the fee included clerical fees to amend the mortgage agreement that they purchased from XXXX XXXX in order to avoid paying the fee again should US Bank immediately turnaround and sell our mortgage. I received notice that US Bank received my email on XX/XX/2018 and I also received notice that US Bank received notice of our letter on XX/XX/2018. To date, I have sent additional emails with no response. I have called US Bank customer service as well as the number that they placed on the response to my last CFBP complainant. I have been transferred to voicemail and have left numerous voice messages. The automated message on the US Bank voice message advised that a return call would be placed within one business days. I can not get a response out of US Bank and at this point I feel as if they are refusing to reply. I know they have our contact information, as they are punctual on sending out monthly mortgage payment request. We are a month ahead on the mortgage and I have an excellent credit score. We are simply trying to eliminate our escrow account, as they are charging an additional XXXX dollars a month as a " cushion '', then taking their sweet time to refund us the money at the beginning of the next year. We need this money for day to day expenses. Why should S Bank us my money for investment or gain interest on my money all under the guise that they hold the money as a cushion for set yearly Taxes and Insurance?

CFBP as successfully reduced US Banks willingness to charge me fee from 1 % to 0.25 %. Thank you. Could you please determine why US Bank is now refusing to respond to my request to remove the escrow account ( as brokered by one of their agents ). I have attached the last two correspondence, since the original CFBP complaint was filed. We are frustrated that we have to file a complaint with you in order to get US Bank to even acknowledge us.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account I already have a CFPB dispute opened which is XXXX XXXX XXXX XXXX Account Number xxxxxxxx XXXX XXXX  {$32000.00} continues wrongfully report inaccurate information. Not only they are reporting to credit bureaus wrong but they adding another company XXXX XXXX. Its showing that this account opened and I missed a payments but how this is possible if its charges off. Plus the dispute is still being investigated. So again I do not recognize the account the way its reporting to all three major credit agencies XXXX, Equifax, & XXXX it does not meet the fair credit reporting act regulations. The payment status, the payment history, the past due balance, current balance, date opened, date last active,, the date of first delinquency are not correct and in some instances they are completely missing. How is this accurate reporting? I am demanding for this to be removed and reflect it in the proper picture on my credit report worthiness. All three major credit bureaus are supposed to protect my information pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information currently I made multiple disputes with all three credit agencies regarding this account. My rights as a consumer are being violated under multiple laws 15 U.S. Code 1666b Timing of payments 15 U.S. Code 1681i ( 5 ) removal of inaccurate/ invalidated credit information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681e - Compliance procedures removed this account immediately off my report. PS this is more proof that my information is getting share without my permission and its inaccurate information. Now I feel like I am being targeted by this company because of my race and that I disputed something that is not right on credit profile they continue to break my rights please can this be removed permanently off all reporting agencies including XXXX, Equifax, XXXX, & XXXX XXXX. Someone needs to be handled responsible for this careless, irresponsible, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with 15 USC 16c-2, I've found errors on my credit report that are negatively impacting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been disputing Wells Fargo Dealer Services since XXXX 2015 informing them that this is not my account. I 've disputed with all three credit bureaus and every time Wells Fargo Dealer Services confirms that this account belongs to me. I 've asked XXXX, XXXX, and XXXX for method of verification but never received one. I then disputed it directly with Wells Fargo Dealer Services and they still said it was mine. After many letters being sent, they sent me a letter informing me that they have NO RECORD of this account in their system and asked me for more information. Yet they 've confirmed this account belongs to me with the three bureaus but they sent me a letter stating they have no record of this account belonging to me. This is damaging my credit and doing me harm. I ca n't purchase a home or get a decent interest rate on my auto loan because this fraudulent account is on my credit reports.
Product: Debt collection

i disputed this with account twice already with XXXX  seeing how their the only ones recording this unauthorized account on my credit report and asked them to provide and to follow the a ) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities and hasnt provided such detail at all to me. 




General Account Info Report Number : XXXX Date Generated : XX/XX/2020 Account XXXXCALIFORNIA BUSINESS BUREAU Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$1900.00} past due as of XX/XX/2020. 
XXXX XXXX 2020
Product: Mortgage

I paid off my mortgage last year. XXXX had no problem with that. However, in XXXX of XXXX, I came down with a severe case of the XXXX XXXX virus. It last weeks. I was out of work, isolated and almost lost my life. Needless to say, i fell behind on bills. When i was finally able to return to work, my first order of business was to take care of my late mortgage payments. However, when i returned to work, due to COVID, my company cut my pay 20 %. I was behind and making less and i STILL caught up and paid off my mortgage. Now, those same late payments, in spite of my physical and financial hardship are keeping me from getting another mortgage and me and my family are in a state of flux. I am not asking for a hand out, i have already made sure XXXX was taken care of, i am asking for mercy. XXXX wrote me back and pretty told me to go XXXX myself with a standard letter that i will attach. If i could get any of those late payments removed, i will not be stranded in my current situation. I am begging for mercy and XXXX does not care because they got their money. I lost a TON during COVID and i had a ton of issues making payments but XXXX got theirs. They are UNWILLING to work with me. If they could just remove the late payments from XXXX, any of them, i would be so grateful, words do not describe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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