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

On the XXXX of XXXX, I sent in letters regarding inaccurate reporting of false items on my credit report. I have not received their method of verification nor the results of their investigation. I feel like I'm being ignored of my claims and disputes. These are deceptive practices of the bureaus.
Product: Credit reporting

For several years, a charge off has appeared on all of my credit reports concerning an item from a company called XXXX XXXX. I purchased an item for my mother, a few years ago and it came to her damaged.I told XXXX XXXX about this and no action was taken.I made several requests to have this matter removed off my credit report and all the major credit bureaus have declined to remove the info. In XXXX of last year, I initiated an arbitration action, as per the original contract 's relief clause.XXXX refused to pay its fees, as per the contract. I believe this action makes the entire contract null and void.I want this matter removed from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

The XXXX XXXXXXXX XXXX XXXX account shows it belongs to a business and is not my account. I have disputed this 3 times and they refuse to remove this account. This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

the trans union agency does not want to comply with federal laws. They don't want to delete my inquirs that were unauthorized. They are going to be investigated by order of legislators in Congress for not wanting to comply with federal rules
Product: Bank account or service

Multiple instances of merchants conducting unauthorized billing against my Bank of America bank account. Reported claim to Bank of America. Have not received all claim documents in the mail. Unable to complete form online. Completed some documents via mail. Bank of America should resolve complaints and allow me to certify claims online. Their online claims certification tool is not working. Please ensure all documents that need to be completed have been sent. Undue burden of pursuing claims.
Product: Credit reporting or other personal consumer reports

The following information should be investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation.

Sincerely.
Product: Checking or savings account

I opened an account to process payments for my small business. I was verified and had submitted all doucments requested. Square allowed me to process payments and then cancelled my account before I could transer funds to my other bank. I can not process anymore payments and have no idea why they did this. It has been since XX/XX/XXXX when every day they say I have a pending transfer for the next day but it doesn't happen. They cancelled my account and keep chaning the date until when they will hold my fudns which is now XX/XX/XXXX. I am losing my business, and defaulting on my mortage because of this. Again, they will not give an explanation why. I need my momey right away. They are rude, hang up on me, end chats, talk to me like I am a crook, but won't say what happend for them to accept my money and then close my account where i can't get it. They refuse to provide me my account and routing number which has been blocked from viewing online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX  and Transunion  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Mortgage

Due to me becoming XXXX with XXXX XXXX in XX/XX/XXXX, I had a hard time paying my mortgage, mortgage assistance helped pay to current in XX/XX/XXXX. Pennymac then put me in XXXX, after that expired and XXXX still not completing my application I still was unable to pay leading to XXXX. During the XXXX process in XX/XX/XXXX, Pennymac Loan stated undisputed facts that I owed them {$130000.00}, of which {$9600.00} was for XXXX XXXX when in fact they paid {$2500.00} for XXXX. 

With the cost of the loan going above the initial amount I obtained a buyer for my home and asked for a payoff estimate on XX/XX/XXXX so I could estimate final numbers for closing. Pennymac requested the sale contract of {$170000.00} which I provided that day. I received XXXX payoff demands one for {$140000.00} dated XX/XX/XXXX due XX/XX/XXXX and the other for {$140000.00} dated XX/XX/XXXX due XX/XX/XXXX. 

I did file a complaint with XXXX XXXXXXXX, but Pennymac response was the Payoff dated XX/XX/XXXX due XX/XX/XXXX of {$140000.00} was correct. 

With the inaccuracy of dates and amounts it is very unclear as to ethical practices and accuracy of charges that Pennymac Loans is forcing upon me.
Product: Credit card

The email is to bring your attention about an unusual practice at XXXX XXXX XXXX XXXX XXXX XXXX office is practicing. 

I am looking forward to justice to my injustice. 

This is an ongoing email requesting refund of unauthorized charge of {$1500.00} on my credit card. 

I have paid you {$500.00} & {$770.00} for which I have signed documents these charges are towards the XXXX treatment which takes care of my out-of-pocket expenses after the {$2500.00} from INSURANCE COVERAGE. I dont owe you anything as per detailed email below. 

XXXX has no documentary evidence where {$1500.00} was discussed BY THEM with me or any authorization given by me? 

No documentary evidence of the charges you dentist is talking about showing it was discussed BY Them with me or any authorization given by me? in the last email- {$990.00}?? ( {$560.00} your balance, {$430.00} XXXX balance ) what are these charges for? 

As per the XXXX login page, my insurance covers XXXX XXXX XXXX - 100 % - IN NETWORK AND OUT OF NETWORK. ( there is more data below the screenshots ) XXXX were given from my earlier XXXX XXXX XXXX XXXX XXXX, records were attached in the emails earlier which is below. 

Can I get an email address so I can forward you a detailed email with attachments. 

Any questions or clarifications, please contact me directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent unauthorized inquiries on my experian credit report and i have contacted customer support numerous times to resolve this, they have failed to help me get this fraudulent inquiries that were not authorized by me off my experian credit report, XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX
Product: Mortgage

I am the XXXX XXXX for the XXXX of XXXX XXXX. A resident, XXXX XXXX, came to see me regarding an issue he is having refinancing a home equity line he opened last year with Charter One/Citizens Bank. At the time of opening the line, the property XXXX XXXX owns at XXXX XXXX XXXX in XXXX XXXX had no mortgage. XXXX XXXX obtained a home equity line for {$75000.00} based upon Citizens ' appraisal of his home which came in at {$94000.00}. This year, XXXX XXXX attempted to refinance this adjustable rate loan into a fixed rate mortgage, but was denied by XXXX based on their appraised value of {$44000.00}. We have opened a separate complaint against XXXX based on this appraisal, which we feel is low for the condition of the property, however, another concern has arisen during our analysis of comparable sales. It appears that the Citizens appraisal was over-inflated and not supported by area comps. This led to XXXX XXXX being granted a loan that he can not refinance into a fixed rate mortgage because he can not get an appraisal to justify it. One comp used in the Citizens appraisal was for a property outside of the city, and another was for a parcel with very different characteristics. A detailed analysis of our findings is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit Reporting : The following inquires that are listed below : XX/XX/2022 : XXXX XXXX XXXX XX/XX/2022 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 : XXXX I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated these inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried fixing this issue. This is a new inquiry that reported on my Credit Report without my consent XXXX XXXX XXXX XXXX XX/XX/2023. This need to be removed immediately. Under 15 USC 1681c-2 this need inquiry need to removed.
Product: Debt collection

I was told to send in a Police Report because my identity had been stolen. once i sent it in they refused to take off the collection and said it was mine. this is during coivd 2020
Product: Credit reporting or other personal consumer reports

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

1

5 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 or other personal consumer reports

IN XXXX XXXX XXXX DID HARD INQUIRE ON MY CREDIT REPORT, THAT I DID NOT AUTHORIZE. I REQUESTED IT BE REMOVED AND WAS TOLD THAT THEY COULD NOT REMOVE IT. I HAVE NEVER APPLIED FOR CREDIT WITH THIS COMPANY.
Product: Credit reporting or other personal consumer reports

I examined my Consumer Reports and observed that there are two instances of delayed payments on an account for which I have a consistent history of making timely payments. Consumer Reporting Agencies play a crucial role and carry the responsibility of accurately reporting consumer information to the highest degree of accuracy. I want to clarify that I have always made my payments on time for the following account : CBNA/BEST BUY : # XXXX. Also, I spoke with the creditor and they also confirmed I was not late specifically on XX/XX/XXXX, XX/XX/XXXX. I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. 

REFERENCE PAYMENT CONFIRMATION XX/XX/XXXXXXXX  : XXXX REFERENCE PAYMENT CONFIRMATION XX/XX/XXXXXXXX  : XXXX I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. Again please resolve this by removing all late payments reporting on my consumer report.
Product: Mortgage

I applied for a {$10000.00} HELOC with Regions Bank based in XXXX, AL. 
I have a credit score of 794-810 on all three credit reporting agencies. My application was denied because of income to debt ratio. I have {$1.00} XXXX in liquid assets to cover a {$10000.00} line of credit. I sent the lender a balance sheet showing my network and offered to send them current quarterly statements to validate my network but they never made the request. I have a running balance of $ XXXX {$24000.00} in my checking account with XXXX XXXX XXXX XXXX My point, I was denied based on race and age and not my ability to repay the loan. My assets are in mutual funds, stocks, 401-k, IRAs, and Roth. All of debts are paid ahead and will be paid off ahead of the terms. I pay extra principle on my mortgage each month. I have a XXXX that is paid ahead 4 months.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian Information Solutions Inc. for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( a ) ( 2 ). On XXXX/24, Experian allowed XXXX XXXX access to my consumer report where unauthorized inquiries were furnished without obtaining written instructions from me, thereby breaching my privacy and causing harm to my financial standing and creditworthiness.

Experian received my notice on XX/XX/year>24 and acknowledged it on XX/XX/scrub>XXXX24, confirming the removal of XXXX unauthorized inquiries from my consumer report. This acknowledgment by Experian is acquiescence and confirms their violation of 15 U.S. Code 1681b ( a ) ( 2 ) by furnishing a consumer report without my written instructions, thereby infringing upon my consumer rights.

I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Experian to ensure compliance with consumer protection laws and to provide restitution for the harm caused to me.

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires a timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank You.
Product: Payday loan, title loan, or personal loan

Hello, this company has been on my credit report since 2015 and I have yet to receive any forms or letters regarding this account. I would the opportunity for reapplication and or this account removed.
Product: Credit reporting or other personal consumer reports

I want accounts to be removed from my report for failure to properly investigate them after multiple attempts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

The company enrolled me in Credit Protection I was not aware of that.
Product: Checking or savings account

During my time in the hospital someone had stolen money from my account. Discover bank decided to only credit XXXX dollars and close out the XXXX and XXXX dollars that were also stolen from me. They were not responsive and i have submitted a refile of the dispute 3 times. They allowed someone to take all my money almost in 2 days and now are not providing any info or credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown accounts that are reporting to my credit report. Please refer to attachment for details.
Product: Credit reporting or other personal consumer reports

This company purchased this account from XXXX and has done nothing but report it to the credit bureaus. They refused to provide any documents or information I have requested. Also I have disputed the account numerous times and the credit bureaus never provide anything that connects me to the account except my name and the address of XXXX XXXX the XXXX XXXX XXXXXXXX XXXX who stole my information and rented an apartment, bought this phone and stole money from my bank XXXX which documented the theft and reimbursed me. I am a customer of XXXX XXXX and they agreed it was not my account. XXXX XXXX is in XXXX  awaiting grand jury indictments for identity theft
Product: Credit reporting or other personal consumer reports

The department of education/XXXX improperly reported my personal information I never gave consent or sign no agree to release any of my personal info. 
Loan of {$4900.00} and {$1900.00} This is also inaccurate info I dont owe them two loan What is 15 USC Code 1681e B? 
( b ) Accuracy of report Whenever a consumer reporting agency pre- pares a consumer report it shall follow reason- able procedures to assure maximum possible ac- curacy of the information concerning the indi- vidual about whom the report relates.
Product: Credit card or prepaid card

Barclays Bank Delaware ( Barclaycard ) which I have had an account for two years with in good standings. Decreased my credit limit by close to 1000 due to a high revolving debt. I have not used my card for over 6 months and have never been late on a payment. By decreasing my limit that affect my credit score. They did not give any notice of change until I called with minimal to no explanation. They constantly increased my limit and they cant just change credit limits without negative doing of the consumer.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX have violated my consumer rights and I demand these items be removed immediately from my consumer report. They have violated 15 USC 1681 ( a ) ( 4 ) Right to Privacy & 15 USC 1681b ( 2 ) Permissible purpose of Consumer Reports. These 3 companies have violated my privacy by displaying inaccurate and negative items on my report and then sharing it with others. I never gave either company written permission to report anything on my behalf let alone share it with 3rd party. By law it states they must have written permission from the consumer to report anything on their behalf.

Also i am seeking {$2000.00} from Experian, {$1000.00} from Equifax and {$4000.00} from transuinon as they are in violation of 15 USC 1681n-Civil liability for willful noncompliance. I have reached out to all three companies to remove unauthorized inquiries from my reports. According to 15 USC 1681n ( a ) ( 1 ) ( b ) Any person who willfully fails to comply with any requirement imposed under this subchapter with r
espect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( b ) in the case of liability a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

I have suffered for to long and my livelihood has too. I tried to reach out to the XXXX companies to resolve this matter before coming here. My next step is litigation.
Product: Debt collection

On XX/XX/XXXX Commonwealth Financial placed 4 medical collection accounts on my credit bureaus- I only found out these were placed by alerts from monitoring services. No attempt to validate was made by Commonwealth Financial.  These same 4 accounts were posted on my credit for the 1st time in XXXX after the XXXX  breach. It took a month or two for them to be removed so imagine my shock when my almost 3 years later these collection account reappear under another name and with new dates that Ive read here is called illegal re aging of accounts in order to extort pay for deletion or payment of fraudulent debt by Commonwealth Financial holding the threat of ruining your life again unless you pay regardless of debt validation. So far my insurance renewal rate increased, loans and credit line increases were denied and just in these few short days have incurred great financial terror via Fico scores tanking nearly 100 points and have only been able to get 2-3 of the 4 Commonwealth collection accounts from the same hospital system removed from XXXX  and XXXX, XXXX refused to investigate- Ive opened a separate complaint for them. Suddenly the accounts now show flagged for collection by Commonwealth Financial and no further validation is required from them so it stays without any chance of disputing the dispute results. When I contacted XXXX at Commonwealth Financial he had no personal information about me and was asking me to give my social security number and other personal information- I said I would verify what he had with no problem but wouldnt just provide. He said I could pay for deletion and a lot of his clients do that regardless of being their debt or not just to clean up their credit and quickly restore their scores with letters that he would email me from them to provide all creditors etc stating it was a mistake and been removed from my credit and risk files. I didnt entertain the offer because I had faith in the system that it would be caught as an illegally re aged, illegal validation to the credit bureaus stating debt was valid, because they were found to be fraudulent in XXXX from these same credit bureaus- sadly its not the case, just a bunch of offers from all 3 bureaus to get credit repair help, speedy disputes, access to legal dispute processes and form letters if I subscribed to their monthly monitoring services ranging from {$19.00} to {$39.00} per month per bureau. As you can see by the attachment even the credit bureaus show date opened unknown and just 4 days ago were reporting XX/XX/XXXX as date placed for collection even though the credit bureaus didnt receive the data until XX/XX/XXXX
Product: Mortgage

I have being messaging the company since last year XXXX and they keep ignoring my messages and not responding to me. I with clean hands send payment they told me they receive it and will get back to me and since then have ignored me constantly
Product: Checking or savings account

So I have an Account with Penfed credit union. It was opened two years ago. I allowed my sons Unemployment to be deposited into my account. Then the instuition placed holds on my account. After two years nothing has came back to the account placing it negative. And im still unable to retrieve the funds.

I just want the funds thats in the account and let the account be closed. 
Penfedaccount # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries I know nothing about that popped up from 2020 my XXXX XXXX was XXXX last month then out of no where it dropped to XXXX I never been late on a payment for nothing I feel like Experian playing with my credit score they dont wan na see XXXXXXXX XXXX people with good credit I mean why drop my score for no reason.!!