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

On XXXX XXXX XXXX I paid off my mortgage with XXXX XXXX XXXX in the amount of {$67000.00} that has not shown up on any credit reports as an account or loan and I have now paid this mortgage in full. XXXX XXXX XXXX gave me an audit control number of XXXX to call all 3 credit bureau 's. All 3 credit bureu 's have no clue as to what I am talking about and still have not even shown I ever had the loan with XXXX XXXX XXXX. This loan has been paid on time in advance each and every month I had the loan with no late payments. I want all 3 credit bureaus to show the loan and that it was paid in full. I should get alot of good credit for this loan. If it was negative credit they would have no problem reporting it.
Product: Credit reporting or other personal consumer reports

I made dispute to Experian XX/XX/2024 On accounts of XXXX XXXX XXXX  for {$19000.00} and removal of unknown source and laws attached. Action was taken to close account on XX/XX/2024 but did not remove it from my account. 

I made dispute to Experian XX/XX/2024 On account of XXXX XXXX  for {$5800.00} claiming that removal of unknown source and laws attached. Action was submitted that account closed on XX/XX/2024 but did not remove from my account. 

These are laws attached If a consumer notifies a debt collector That a consumer refuses to pay the debt the collector must cease all communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I had called XXXX XXXX to attempt setting up my own account. I was asked for my social security number so they could do a credit check. I specifically asked if it was a hard inquiry or a soft inquiry to determine if it would affect my credit report. I was told by the customer service agent it would be a soft inquiry, so I proceeded through the process to establish an account. Officially XX/XX/XXXX I had established my account with XXXX. XX/XX/XXXX I visited XXXX XXXX and noticed I had a hard inquiry from XXXX on my Equifax credit report. I immediately called XXXX and reported this false information, and they told me that there was nothing that they could do that they apologized for having been given the incorrect information. I also later called Equifax and they told me there was nothing they could do to investigate or remove the inquiry. Bottom line, the correct course of action was taken, XXXX 's process is actually to pull a hard inquiry to the credit report to be able to have an account. But I was directly misinformed when trying to establish my account.
Product: Debt collection

For some reason XXXX XXXX has not sent me proof of my obligation of this alleged debt as requested and continues to report this trade-line to the XXXX major credit bureaus. This is creating major issues for me, such as, higher interest rates, denial of credit, lower credit scores, and job declines. 

I disputed this account on multiple accounts with all three major credit bureaus. Starting back on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I also sent a dispute request directly to XXXX on XXXX/XXXX/XXXX. To date, XXXX continues to ignore my requests and they continue to ignore my consumer rights. 

I believe this account does not belong to me. I requested the documents in their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit file. All unverified accounts must be deleted. 

Who verified the account? What documents did they use to verify the account? Where are the documents used to verify? 

The only correspondence I have received was a billing statement. This item does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that XXXX know they can not tie me to this alleged account, otherwise, they would have done so when I made my other attempts. XXXX is blatantly disregarding the law.
Product: Checking or savings account

I opened my account in XXXX for a large settlement and to flee a serious XXXX XXXX situation and it was explained to the banker and he assured Id be okay and my account was under heavy security measures. As of today XX/XX/2024 me and my children are hiding out in a hotel because he got into my accounts and found out where we live. He has taken money out of my account over XXXX dollars from bofa account and over XXXX from another credit company without permission and hey handled the situation. My son has XXXX  he needs and we have no food and scared to go home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has been horrible experience with BOFA they are not taking this matter seriously Ive sent reports and statements and they still wont return funds. I am filing a lawsuit against BOFA if anything happens to me or my kids
Product: Money transfer, virtual currency, or money service

Date of Complaint : XX/XX/XXXX On XX/XX/XXXX I received a job offer from a person on the professional social networking site, XXXX. The position was a well-paying remote position and the email looked reputable so I decided to pursue it. The employer claimed on XX/XX/XXXX that he would need remote access to my phone and laptop to install the software I would need to do the job. I would also receive a check in the mail for XXXX XXXX XXXX XXXX XXXX dollars as upfront payment. Since I have worked from home before, this did not seem like a red flag as I've had other employers need remote access to my devices before. The job poster told me to click a link sent to my email for them to access the devices. I did and the poster downloaded software on my computer. Shortly after, I got an email from Wells Fargo claiming XXXX had been activated on my account and there was an unauthorized transfer of XXXX XXXX dollars to a name I did not recognize and I did not make. As soon as I realized that this was an unauthorized transaction, contacted Wells Fargo and put in a Fraud Claim. I received a letter on XX/XX/XXXX from the Wells Fargo Claims Assistance Center claiming that " after examination of account and transaction details, it has been determined to be authorized. '' This transaction was unauthorized and I had no part in sending any money through XXXX. Under the Electronic Funds Transfer Act, I am entitled to my money back but Wells Fargo is claiming the transaction was authorized.
Product: Checking or savings account

Chase bank closed my account without informing me. Denied me access to my account. Would give me a new bank card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX consistently lowers my credit score when I received two new credit cards and they are monitoring and purposely decreasing my credit score to keep me from obtaining credit. 

They have my credit file in XXXX special investigation file so when ever I apply for credit they are alerted and change my credit information then deny the new credit application. 

They have no reason to have my file listed under special security. 

They have decreased my credit score by XXXX points for an 18 % increase in balance for XXXX new credit cards. 

XXXX months prior to the XXXX point decrease they decreased my score by XXXX points for a new credit card. 

They consistently show a balance for a charged off and disputed account with XXXX opened in 2014 which should be removed from my credit report. 
It's over XXXX old. 

They are allowing XXXX to monitor my credit. 

I have monthly credit inquiries by XXXX. 

But every time I have a credit inquiry they list it on my credit report along with recent last payments this is all illegal. 

I have made many complaints in which XXXX corrects the matter and then repeat the same actions a couple of months later. 

I have written my local Senator who happens to be on the XXXX XXXX XXXX with a complaint.
Product: Debt collection

The third-party debt collector ACCOUNT RESOLUTION CORPORATION is unlawfully in possession of my private non-public information and sharing it with other 3rd party companies without my consent, which is identity theft as defined by 15 USC 1681a ( q ) ( 3 ). I do not know ACCOUNT RESOLUTION CORPORATION and have not contracted with them in any way. They should not have possession of my private non-public information. They also shouldn't be sharing it unlawfully.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

XXXX XXXX XXXX XXXX in XXXX, AL incorrect information. I have sent numerous letters and called several times to rectify this situation of inaccurate credit reporting. This inaccuracy of credit reporting hinders the overall security in factoring that credit reporting agency report accurate data. I have been unable to successfully have these negative marks on my credit be removed and corrected.
Product: Credit reporting or other personal consumer reports

I didn't begin these requests, and I have no association with these loan creditors. If it's not too much trouble, remove them from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX amount : {$1000.00} opened : XX/XX/2018 I called this company, and they did not respond.
Product: Credit reporting or other personal consumer reports

I may not have all the details, but one thing is certain : this inquiry was undertaken without my permission and instigated by the creditor without my agreement. Timely removal is a necessity.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$1900.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I have XXXX credit cards : XXXX XXXX, XXXX and U.S. Bank. In about XXXX 2016, I received an offer from XXXX to transfer balances from my other cards to XXXX for a 0 % interest rate until XXXX XXXX. There were XXXX checks attached. I wrote XXXX checks ; XXXX for XXXX and XXXX for US Bank. The check to XXXX went through without a problem. I forgot the transfer fees so the check to US Bank was returned because the XXXX amounts went over my credit limit. I called XXXX and it was re-submitted ( with a different amount ) to US Bank. I received a statement from XXXX showing the check was submitted to US Bank ( check XXXX. XXXX ). When I called US Bank, they claim they never received it. Now, XXXX is going to have to cancel that check and re-submit it ( electronically ). I 'm assessed a {$25.00} fee by US Bank every time there is a returned check. I keep being told by US Bank that they do n't show any check by XXXX and XXXX says it was cashed XXXX XXXX. I 'm trying to pay down my credit cards and I feel US Bank is deliberately keeping me from doing so. I do n't have a complaint about XXXX, who is trying to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has fraudulently reported this debt back and fourth as closed and charged off account on my credit report each time I dispute for update with different credit bureau XXXX XXXX reports different information going from closed account to account charged off which had destroyed my credit on a debt that's been reported closed and charged XXXX  XXXX  didn't want to take responsibility for the damages that the vehicle had during a repo when. I picked up vehicle it was leaking gas and could not be driven off the lot vehicle was towed to XXXX XXXX XXXX  where XXXX  XXXX  spoke with 3rd party released my account information and have promise mechanic payment for damages XXXX  XXXX  was confirmed responsible for damages in transportation of vehicle when finally repaired no on one wanted me to have the vehicle for months I needed my vehicle to get back to work XXXX XXXX XXXX  kept vehicle almost one year only consultanting directly to XXXX  XXXX  where they released my account information with XXXX XXXX XXXX. XXXX XXXX  made negotiation with XXXX XXXX XXXX without me and retrieve vehicle from XXXX XXXX XXXX XXXX robbed me of my life my job the vehicle my credit when they made me pay for a vehicle undrivable from then I called corporate to investigate they close investigation without merit or concerns that vehicle wasn't drivable upon being redeemed although I was advised before arriving vehicle was drivable XXXX  XXXX  took my money for car and as a result I was never able to drive that vehicle credit was destroyed my credit job lost with no vehicle and my life set back by XXXX  XXXX  not honoring they're mission they also released my account information to XXXX XXXX XXXX and spoke to them and not me about holding on to the vehicle which prevented me from having any use of the vehicle after one year they made a deal with XXXX XXXX XXXX and did not honor the customer XXXX  XXXX  picked up vehicle from XXXX XXXX  XXXX  which has all this information has been monitored and recorded and the information pertaining to this account I want this account remove and updated properly my family and credit has suffered enough at this point this account has fraudulent activity all over it XXXX  XXXX  needs to take accountability and responsibilities for the damages of vehicle disclosure of my account information to 3rd party and still charging me as if this account isn't reported as charged off this entire account was fraud on XXXX  XXXX  behalf of my credit
Product: Debt collection

I had a credit card go into collections. The company handling it is LVNV. They also have several other companies under their umbrella. I reached an agreement to pay less than what is owed. I paid the agreed amount, and they are still refusing to report it as such on my credit report. They are still trying to collect the amount that was suppose to be written off. I have all the correspondence and its over 30 pages, so I can not upload it. But I can send it via fax or USPS. I also have the proof that I paid the amount and that each check cleared the bank. I have bank statements, cancelled checks, as well as receipts from the company acknowledging that they received my payments.
Product: Credit reporting or other personal consumer reports

I did not apply to these companies below XXXX - XX/XX/XXXX XXXX XXXX XXXX -Inquiry , XX/XX/XXXX XXXX -Inquiry, XX/XX/XXXX XXXX -Inquiry, XX/XX/XXXX XXXX XXXX XXXX XXXX -Inquiry XXXX XX/XX/XXXX & XXXX XXXX XXXX -Inquiry XX/XX/XXXX XXXX XXXX  XXXX -Inquiry XX/XX/XXXX XXXX XXXX XXXX -Inquiry Trans Union XX/XX/XXXX & XX/XX/2022 - XXXX XXXX -Inquiry
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did not authorize the following inquiries listed below. These were not obtained with my consent. 

XXXX XXXX XX/XX/year>
Product: Student loan

I applied for XXXX XXXX XXXX in XX/XX/year>2024. There were issues with my application and was told to submit again. I submitted another application on XX/XX/year>2024. I called in XXXX to check on the status of my application and was told I did not submit an application. I could see on my portal the date the application was submitted but they could not see it on their end. My application has been " lost '' by this company for over three months and when I called the only solution was to submit again. When I asked if they could expedite my application they told me they could not. I filed a complaint with the company and every response I have received has been about my XXXX application, not the one I submitted in XXXX. 
I am paying hundreds of dollars in interest on this loan that will be cut in half when this forgiveness is accepted. It is unacceptable that their website has an error that caused my application to be lost and they refuse to help me. Their only advise was to submit it again, wait another 3+ months and continue to pay hundreds of dollars while they review my new application. I have attached a document that shows that there was an application submitted in XXXX of 2024.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX XXXX XX/XX/2024 Experian Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX [ Your Experian Report Number ] Subject : Notice of Intent to Sue for Violation of FCRA Rights Dear Sir/Madam, I am writing to express my deep concern regarding the persistent factual inaccuracies present on my consumer file, despite the completion of the initial investigation, as mandated by the Fair Credit Reporting Act ( FCRA ). As a consumer, I am protected by various consumer laws, including the FCRA, which stipulates that consumer reporting agencies must ensure the accuracy of the information contained in consumer reports. 

It has come to my attention that despite my previous efforts to dispute and rectify the inaccuracies on my Experian credit report, the errors persist. These inaccuracies have caused significant hardship and have had a detrimental impact on my financial standing and overall well-being. The inaccuracies have resulted in me being denied automobile loans, higher interest rates, inability to to secure housing, higher automobile insurance, denied personal loans etc. 

The FCRA obligates consumer reporting agencies, such as Experian, to conduct a reasonable investigation into disputed items on consumer reports and to correct any inaccuracies promptly. However, despite my efforts to provide evidence and documentation supporting the inaccuracies in question, Experian has failed to fulfill its obligations under the FCRA. 

Therefore, I am providing this formal notice of my intent to pursue legal action against Experian for its violation of my FCRA rights. If Experian does not take immedate action to rectify the inaccuracies on my consumer file and provide me with a corrected credit report within 15 days ( because I have been disputing these accounts for two years, and I have your responses stating you verified these accounts ), I will have no choice but to seek legal recourse to enforce my rights under the FCRA. 

Please be advised that I am prepared to pursue all available remedies under the FCRA, including but not limited to statutory damages, actual damages, attorney 's fees, and injunctive relief. I urge Experian to take this matter seriously and to take immediate steps to rectify the inaccuracies on my consumer file. 

I expect a prompt response to this notice and a resolution of this matter within the specified timeframe. Failure to do so will leave me with no alternative but to pursue legal action to protect my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau My Attorney 's Name, XXXX XXXX ( XXXX XXXX XXXX  )
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts.
Product: Checking or savings account

I Deposited my XXXX bonus of an amount of XXXX to the bank personally on XXXX at XXXX. the Next day I found my account flagged for Fraud they put my account at XXXX so I couldn't use my current funds my Own money from my direct deposit from my current employer. I called the fraud department XXXX XXXX said i had to take physical evidence that the check was not fake I took them the deposit slip and my pay check stub which has my last four of my social security and how much the check was and check number. XXXX XXXX contacted 5/3 and verified that my check went through no problem. then called again today XXXX at XXXX was told my account is still flagged for fraud. I cant pay my bills this bonus was a life line for me I'm 1 month behind rent and cant access MY money to pay my bills. was told i would be contacted by a supervisor its XXXX now and not a single call back and no changes to my account.