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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 


XX/XX/XXXX RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 



Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of 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 ( 2 ) such number of punitive damages as the court may allow. 



I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 



1. This inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 






under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 



Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/ Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never opened a loan with XXXX. I only had a XXXX XXXX XXXX which I assumed was closed in 2022. I assumed thats where my payments were going to. In XXXX I got notification that my account was XXXX  days late due to lack of payment on a loan that I never opened for XXXX dollars and that my account was closed. The company keeps saying that someone logged into my account and approved it! I did not. I filed numerous complaints and a police report. I am being held hostage and my credit continues to suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been so agitating waiting for XXXX 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AL XXXX EMPLOYER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries 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: Mortgage

Specialized Loan Servicing ( SLS ) who acts a servicing company for mortgage banks, started servicing a current loan, on XXXX/XXXX/16 SLS sent a letter indicating " that if i dispute the debt within 30 days SLS will obtain verification of the debt, on XXXX/XXXX/16 i sent a dispute letter together with a QWR but as of today there is no response from SLS but they are continuing to collect on the debt,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to  XXXX ,  XXXX   & E xperian in regards to verifying the reported Bankruptcy  XXXX  account  Case  or ID #  XXXX . Experian and  XXXX  has not responded on this dispute and it has been over 45 days.   XXXX   sent me a letter that stated that they verified the reported Bankruptcy through a  3rd party, which it is my understanding that this is a violation on my rights based on the current consumer protection laws. ( I have attached their letter ) ironically in that same letter they ask me to call the courts directly and confirm that the account is correct. So I called the bankruptcy clerk and they indicated that they do not confirm any account with any 3rd parties. Therefore, how is it that   XXXX   feels that they can use a third party and not even be sure on the information they are reporting? It is not right and its unfair to m e.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX the XXXX I XXXX XXXX sent all the proper paperwork that credit bureau ask for and they still haven't remove all the accounts.
Product: Credit reporting or other personal consumer reports

Some used my information and did charges on my XXXX  XXXX  for XXXX  and numerous inquiries
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS : XXXX XX/XX/year> Credit Bureau Dispute of Account Verification Accounts : XXXX XXXX Account Number XXXX XXXX Balance {$2600.00} XXXX XXXX Account Number XXXX XXXX Balance {$8400.00} XXXX Account Number XXXX  XXXX Reported Balance {$9200.00} XXXX  XXXX  Account Number XXXX XXXX Reported Balance {$16000.00} Dear Sir/Madam, I am writing to dispute the information on my credit report related to the above-referenced accounts. According to my recent credit report, this account was verified by your bureau as accurate. However, I am requesting a detailed explanation and method of verification for this account as stipulated under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to know the method used to verify the information on my credit report. Therefore, I request that you provide me with the following information : 1. The name, address, and phone number of the person or entity who verified the accuracy of the account information. 
2. A description of the procedure used to verify the information. 

I believe that the information reported is inaccurate and I am requesting that you re-investigate this account. Please correct or remove the disputed information as soon as possible, and send me an updated copy of my credit report. 

In the event that you find the information to be accurate, please provide me with a description of the process used to determine this, including the name and contact information of anyone contacted during your investigation. 

Additionally, please notify the furnisher of the information of my dispute and provide them with all relevant information regarding this matter as required by 15 U.S. Code 1681i ( a ) ( 2 ).

I expect a response from you within the 30-day period as required by law. If the disputed information is not corrected or if I do not receive a satisfactory response within the specified time frame, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal counsel. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I recently encountered what I believe to be unfair, abusive, and deceptive practices by Caine & Weiner in their dealings with me. 

I previously contacted the company in regards to the debt I have seen on my credit report, after calling to get the account numbers I sent a certified letter with a return address on XX/XX/XXXX, Set to be delivered on XX/XX/XXXX within the letter I did not acknowledge any debt but was willing to settle the debt to restore my credit. 

within the letter I specifically stated communication regarding the debt associated with my account be sent via Email or mail on XX/XX/XXXX at XXXX XXXX  I received a phone call from Caine & Weiner while at work, the representative was very rude as I mentioned to her I was currently at work she was demanding I verify my address. 
I mentioned I sent a certified letter and requested information regarding the debt be sent to the return address or Email the rep refused to inform me the purpose of the call I have not previously received calls from Caine & Weiner before XX/XX/XXXX confirmed multiple times that they do not have the letter and that she is deleting my address on the account and putting me on the no-call list then hung up on me. 

I called back to speak to someone in regards to the phone call, but multiple employees hung up on me I eventually spoke to a supervisor I believe the name was XXXX she confirmed they did receive the certified letter To my surprise, she proceeded to read parts of the letter back to me, demonstrating that it had indeed been received and told me that the company sent a response to the letter on XX/XX/XXXX ( which was not true ) to the address associated with the account ( which was not the return address ) I told her I did not receive it and asked why they did not send it to the return address on the letter. 

if it was sent it should have it have been sent to my current address ( as I previously contacted the post office to forward any mail to my current address ) she told me I would be receiving it soon which was not true and it's worth noting that the letter I eventually received from the company had the date of XX/XX/XXXX. This indicates that the company had indeed received my certified letter before that date, despite earlier claims to the contrary during our phone conversation. The discrepancy between their acknowledgment of the letter 's existence and their delay in responding adds to the confusion and frustration caused by their handling of the situation she also asked me to verify the return address of the letter and then said she was going to change the address on the account with them to the return address. 

I was transferred to multiple different representatives and locations. The names I can recall are XXXX XXXX and XXXX XXXX ( or a similar last name ) in the California location. Despite stating that I had sent the letter to the California headquarters, the call was then transferred to the Texas location when requesting to speak to a supervisor. This process resulted in me having to call multiple times, further prolonging the resolution of the issue.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I request that the accounts and inquiries listed below be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were created without my authorization, and I request their immediate removal from my credit report. 
Fraudulent Accounts : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I tried to contact credit bureaus ( Transunion, XXXX ) to have them remove this paid debt from my credit report and it still remains. I contacted the debtor but was told they can not remove from my credit. I feel it I paid for this debt in full is should be removed with no problems. I have reached out to all credit bureaus and they wont budge.
Product: Credit card or prepaid card

I was charged for two throws back in XX/XX/2022, both items were cancelled. My credit card has been credited for the items, but the credits were not posted timely resulting in late fees of {$74.00} and delinquent reporting. I need Macys AMEX to credit the fees and remove the 90 day delinquency from my credit file.
Product: Mortgage

We are trying to complete a short sale with XXXX XXXX thru their sevicer Nation Star mortgage. They ordered a brokers price opinion and charged that fee against the mortgage payoff as a fee. When we asked to see a copy of the BPO that the homeowner paid for, they told us that they do not share that info with the homeowners. We have requested a copy 3 times from XXXX XXXX and one time thru Nation Star Mortgage and were told no each time. We would like a copy of this BPO report in order to properly dispute the value that was given by XXXX XXXX valuation dept. Can you please help us get what the home owner has a right to see since she was charged for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I am requesting the removal of this bankruptcy ( below ) on my Equifax credit report due to Civil Case XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX., XXXX. XXXX XXXX XXXX XXXX XXXX, I did not know the source of their information on the Bankruptcy and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy ASAP. 

Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that this Bankruptcy listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the Equifax site to see if my information was affected by their security breech. This would have been around XXXX XXXX. Their site said I was n't affected bu that I could still register for free credit monitoring. However, rather than do it automatically or allow me to do it manually right then, the website tells me to return to a site on the XXXX. ( I believe that if I did n't do it on the XXXX, I would have to start over. ) I returned on the XXXX and filled it out. Then I had to wait to get a verification email. On XXXX XXXX, I got that email. Not especially helpful is the fact that the email comes from an email domain that is trustedid.com ( via XXXX ) but it includes a link to a different domain, https : //trustedidpremier.com. I clink on the link in the email and it takes me to a page that always says " System Unavailable. We are unable to process your request at this time. Please try again soon. '' I tried multiple times over multiple days with no change. 

I then called the phone number in the email from the XXXX. The operator manually checked my credit to verify my identity -- but with questions that I 'm not going to have handy ( What was the amount of my car payment 7 years ago, etc. ). Having passed that check, I am now waiting 48 hours for yet another email and then I need to click on that email and then fill out more information. 

The point is quite simple : Either this system is incompetently designed -- or it is purposefully designed to make it almost impossible to successfully enroll in the Equifax credit monitoring program that results from their latest data breach. I have used a lot of websites and I ca n't recall anything as onerous and inefficient as this process. 

It is hard to believe that Equifax is not throwing up barriers to enrollment in this program. There is no way that the design of this enrollment is a good faith effort to help people ; quite the contrary it would seem. 

I 'm pasting in the content of the email as a reference : Your Activation Email is Here Dear { removed }, It is time to take the final steps in enrolling in your free product, TrustedID XXXX, by verifying your identity. To do this, youll need to answer some questions about yourself. Successfully completing this step will conclude your enrollment process and activate your product. 

To verify your identity and activate your product, please click the link below : https : //trustedidpremier.com/XXXX XXXX { removed XXXX This link will remain active throughout the enrollment period, which expires on Monday, XXXX XXXX, XXXX. 

If you did not request this email or if you have any questions, please contact us at XXXX. 

Sincerely, Your Equifax Customer Care Team
Product: Credit card or prepaid card

capital one card was used by undercover government officer and since that card was compromised and treated as fraudulent can document all info
Product: Money transfer, virtual currency, or money service

XXXX/XXXX/XXXX td bank said they were blocking XXXX I spoke to a supervisor and this is what he told me, this seems unfair as I think all financial institutes should offer fair services, also I had used this bank before to deposit crypto funds with no problems.
Product: Mortgage

My mortgage was 2 % for the first 5 years and then adjusted to 4 % for the rest of the 30 years. This was with XXXX XXXX bank. Now, Keybank is trying to twist the wording of the contract to say it can not go any higher the 4 % per year. This is incorrect as it also says it can not go any lower than 4 %. The reason it's called an adjustable rate is because it adjusted from 2 to 4 %. I was told by the loan officer that it was going to stay at 4 % for the life of the loan. Now, Keybank is trying to raise my interest rate at a time when inflation is sky high. I called them on XXXX and they weren't budging. I really need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

These two accounts are wrong as stated below. 

Account more than 7 years old. Account is also not mines. 
XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$1000.00} Closed Account was issued a XXXX Should be XXXX balance. 
XXXX XXXX XXXX Closed : XX/XX/XXXX {$31000.00} Closed
Product: Vehicle loan or lease

I complained to CFPB a few months ago about this issue, I just received a statement where I 2 payments posted and they took {$130.00} for interest. My payments are {$170.00}. When my payments cross and post together Key Bank take 75 % for interest. 
Key bank is double billing interest the charge don't match the rate.

{$170.00} x 2 = {$340.00} Key bank took {$130.00} interest.

My payments posted less than 20 days apart XX/XX/19, XX/XX/19. 

Due date is XX/XX/19 however, no payment due. The next interest will be {$200.00} if I don't pay them before XX/XX/19.
Product: Money transfer, virtual currency, or money service

i got acletter from chase XXXX XXXX XXXX XXXX, ohio XXXX my email addy XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- absolutly zero help regarding two unauthorized no signature from me authorizing yhese two transfers ...

and both transfers sent to company named XXXX but both wire transfers using two diff banks um shady!

the one on XX/XX/XXXX for XXXX XXXX dollars. the second XX/XX/XXXX for XXXX XXXX dollars ... 

now when you buy with a credit card a signature is necessary to validate your purschase. debit card pin #. whherees the signature authorizing and for future why not require notorizer signatures. anyone can sign. 
you guys know my email address and whats XXXX dollars matter but if i robbed a bank suddenly swat seams abd chase does mot give a XXXX ... so i want my XXXX back the chase reference number for reporting this fraud/theft XXXX
Product: Checking or savings account

I submitted a dispute with suntrust bank in the amount of {$100.00} USD with the merchant being XXXX. I explained to suntrust that I never received my debit card and that my identity had also been stolen. I informed the rep that everything from my mailbox was stolen that day as well, around XXXX. I contacted XXXX XXXX because an account had been opened in my name fraudulently. I contacted the 3 major credit bureaus as well as XXXX  ( consumer report ) in order to freeze my credit and consumer report. I received a letter from Suntrust around XX/XX/15 stating that my dispute had been denied. When I contacted the fraud department at Suntrust, I was informed that my dispute was denied due to inconsistencies. I asked to repeal the decision and also requested the information/documents used to make that decision. I received the appeal form and filled that back out and mailed it in. I called on XXXX to get an update, I was informed that my case was still under review. I also asked about the documents used in order to make the decision, and the document were never sent out. I informed the rep that i called XXXX, XXXX stated that they can help but they need to fill card number. I feel as if my case was just pushed to the side and not looked into like it should have been. Inconsistencies doesnt make sense if they would contact XXXX to get this situation resolved. When asking again for the documents be sent out, I was informed that I would need to go to a branch location with my ID, however there is no Suntrust Branch in my state. They are not doing anything to help with my dispute and its very frustrating.
Product: Credit card or prepaid card

I had a business credit line with XXXX. I had this credit line since the early XXXX 's and terminated the credit line approximately 2005. The card has an annual interest rate of 10.750 ; daily finance rate of .02945 % ; average daily balance of {$12000.00} ; periodic finance charges of {$100.00} ; cash advance 10.750 % ; Daily Finance .02945 % Average Daily balance {$81000.00} ; periodic finance charge XXXX ; total finance charges XXXX ; total periodic finance charge {$800.00}. I pay a total per month of {$1300.00}. With a balance of {$94000.00} at the age of XXXX years, it is impossible to pay off this credit line. I have approached XXXX  for a reduction in charges and finance to pay off this note but the request was denied. I have paid off this note at least three to four time and feel that I am only a cash cow for XXXX.
Product: Credit card or prepaid card

I opened a XXXX store card in XX/XX/2019. The company they use is Comenity Bank. I was sent the first statement in XXXX. The due date was too soon after receiving the bill and I was one month late paying my initial purchase bill. I paid the full purchase balance off with the first bill. I was charged a late fee and a finance fee. This was in XXXX of this year. Since then, they have continued to charge me a late fee and finance charge even though I had already paid off the original balance. So I am being charged a late fee for paying a late fee late- and a finance charge on the late fee. Even though there has been no balance to finance. I have proof off all transactions to show this. I called the company to attempt to settle and was told there was nothing they could do. This call took place on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has failed to provide validation/verification for negative inquire showing on credit reports. I have sent correspondence via certified mail and a reply has gone unanswered. I expect creditor to remove entry from credit report for not answering certified mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX