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

I checked my personal credit report, which I acquired from Experian and I noticed that this unauthorized inquiries had been made. 


Inquiry XXXX : XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry XXXX : XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry XXXX : XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry XXXX : XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I contacted Experian, who placed the inquiry, and asked them to remove the credit inquiry from my credit profile, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

In accordance with the Fair Credit Reporting Act XXXX Experian 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 state a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am writing to address the severe discrepancies I discovered upon reviewing my credit report. The inaccuracies I found have caused me significant distress and concern. 

During my recent investigation of my credit report, I uncovered several unverifiable, invalidated, inaccurate, and questionable items. It is unacceptable that your agency failed to ensure the accuracy of these reported items, as mandated by the Fair Credit Reporting Act. 

Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is imperative that all information on my credit report is reported accurately. The presence of these inaccuracies is a direct violation of these regulations. 

Enclosed, please find copies of all letters I have previously sent in an attempt to rectify these errors. 

I demand immediate action to address and correct these inaccuracies. Failure to do so will result in further escalation of this matter. 

I expect a prompt response from your agency regarding the steps taken to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Consumer Loan

I leased a XXXX XXXX XXXX from Herbies Auto Sales in XXXX Colorado in XXXX XXXX, and was misled about things like a " rental fee '' and the warranty. The rental fee has been somewhat confusing, as when I checked my credit, it was significantly different than the number I was given when I leased the truck, and I called them and told them their amounts are incorrect, and they plainly disagreed with me. As for the warranty, the paperwork I saw never mentioned anything besides the deductible, which was fine with me, but when my radiator started leaking a few days ago, they also informed me they only warranty the parts, not the labor.
Product: Mortgage

ServiceMac started an impound escrow account without notifying me even though I don't owe any back property taxes, which they can see and confirmed on their end. My mortgage withdrawal amount was {$1800.00} per month. Then on XX/XX/2023 they changed it to {$2600.00}, which makes no sense and is not even the correct monthly amount to equate to my bi-annual property tax amount of {$2900.00} or {$5900.00} per year. An accurate escrow amount would equate to {$490.00} per month but they are charging 173 % of that amount. I called and complained and was told I need to fill out an Escrow Waiver Application but that it will take 30 days to process once received and there is no information about how to return the excess funds they have taken. After XX/XX/XXXX, they will have {$2600.00} of additional funds which will also have resulted in a loss of interest from my savings account and have not been applied to my mortgage balance. For three days I have tried calling ServiceMac and logging into their website to get information about my loan balance and receive customer service assistance but neither their website or phone number is working. None of the links work on their site. The prerecorded answering service does not work, acknowledge any input like my SSN and if you get far into the automated answering service, it eventually just says they are " experiencing technical difficulties. '' This is utterly preposterous. How can a company of this size just take funds out of my bank account without any recourse and then have their entire system go down for days on end without any support for their supposed customers? And if I don't pay the incorrect amount of {$2600.00} on XX/XX/XXXX, then my mortgage goes back into escrow default and the impound account stays open in perpetuity, collecting the incorrect amount. So I basically have to continue to pay them the incorrect, excessive amount of money, to my own tremendous detriment, or I am forever locked in an impound escrow loophole that nobody can resolve over the phone and that takes 30 days to process a piece of paper that has no information on it whatsoever that identifies me or my account.
Product: Checking or savings account

Opened and estate account at M & T Bank XXXX. Asked if I needed to sign in for online banking there, they said I could do it from home. At home, not able to do it. Have to travel XXXX hours again to fix the account. Ok, so I cll the account line to find out the balance in the XXXX account I have, and the balance is {$0.00}. I called the bank, they have no idea here the money is from my late mother 's checking account. 

I provided them with the correct legal paperwork from the probate court in Vermont, the information they requested, and even left the branch with starter checks and a cover page about the estate account with my name on it. But there is no money in it??? What happened to the over {$12000.00} in my late mother 's checking account. 

I am more than distraught over this. Having to deal with her death is hard enough. I am now forced to deal with the blatant incompetency of this bank.
Product: Credit card

American Express Reported my Credit Card account ending in XXXX to the Credit Bureaus as late, charged me late fees, and proceeded to close the account when they were not supposed to do that. 
Your actions are in Direct Violation of The Fair Credit Reporting Act ( American Express Account Ending XXXX ) and have violated several of my rights. 
15 U.S.C. 1681 Section 602 A, clearly states that I have a right to Privacy. 
15 U.S.C. 1681 Section 604 A, Subsection 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1666B ; A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. 
15 U.S.C. 1681A ; Paragraph 2, Section A, Subsection ( i ) ; Consumer Report does not include a report containing information solely as transactions or experiences between the consumer and the person making the report. 
Remove these late payments and update this account immediately, as you are in direct violation of several laws under The Fair Credit Reporting Act. 
A dispute was filed via email and USPS mail.
Product: Debt collection

ARA Inc employees have called me several times, cursed at me, yelled at me, threatened to ruin my credit, threatened to contact my employer, and threatened to sue me over a disputed credit card debt the collection of which is barred by the statute of limitations. ARA Inc employees have been very abusive, and when confronted with the fact that the debt is disputed and not collectible they become even more abusive, and more threatening including calling me several more times. What prompted this complaint was a letter I received yesterday threatening collections action, again.
Product: Debt collection

I keep getting calls from Harris and Harris collection agency on a daily basis claiming that I owe for calling an ambulance in the XXXX XXXX  area in XXXX, I have no idea what this is for and have never ever called for this service, they obviously have the wrong person and they can care less, I have requested that they remove me from their calling list, I was told t that the company got my name from XXXX  for my name and based on that found me and keep harassing me on a daily basis, please put a stop to this type of abuse by this company.
Product: Credit card or prepaid card

In the XXXX statement for the Union Plus charge card managed by Capitol One bank,  there were fraudulent charges for items that we had not purchased. We contacted the bank and told them that these charges were fraudulent. We received a letter from Capital One stating that " We want to assure you that you won't be liable for any unauthorized charges. '' And this letter stated that our account was refunded for the unauthorized charges. We thought that the matter was taken care of. On our new statement the fraudulent charges are back and we are being asked to pay these charges, even though they are still fraudulent.
Product: Checking or savings account

On XXXX I sent payment to XXXX XXXX for a flower wall for an event as soon as I sent payment he blocked me and effectively scammed me. Sofi bank and XXXX XXXX have done absolutely nothing to assist me and I really need my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called into XXXX AND XXXX and XXXX XXXX department to cancel my membership and its been little over a year and they haven't canceled it and the creditors keep saying it locked on there end and i need to contact equifax which i did and they told me there is a credit lock and i told them to remove it and there is a computer glitch on there end and my credit lock is unable to be unlock and i called like 8 times to get this resolved and i never heard back from equifax/XXXX and XXXX  and XXXX XXXX and my credit is still lock
Product: Money transfer, virtual currency, or money service

Overdraft protection up to {$25.00} was offered by cash app on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX my account balance was {$60.00}. Immediately at sign up for overdraft on XX/XX/XXXX my account balance was {$20.00}. Cash app immediately charged {$1.00} for overdraft repayment and XXXX more times on XX/XX/XXXX charged me {$4.00} and {$22.00} for repayment for overdraft! My account had a positive balance of {$20.00} when I signed up for the {$25.00} overdraft coverage. I had no debits to my account which means the repayment for overdraft was illegally taken by cash app from my account. This continued throughout XXXX, XXXX and into XX/XX/XXXX with a total of {$260.00} for XX/XX/XXXX, a total of {$340.00} for XX/XX/XXXX and {$300.00} for XX/XX/XXXX. Grand total taken for overdraft repayment that I did not owe is {$910.00}!!! When I noticed that they were taking this money I tried to dispute it with cash app. The first time I contacted them I was also disputing another transaction for {$1700.00}. Due to the irrelevant answers they were responding with totally avoiding the disputes in question I filed another complaint against them prior to this one but for the {$1700.00}. I went back and tried to dispute these overdraft charges again and this time was told they do not offer a dispute resolution for overdraft but thank you for suggesting feedback as to how they could provide a better service in the future to their customers and they would forward my " suggestions '' on to the correct department for possible future use!!!! This is {$910.00} they took from me illegally and there is no dispute option to get my money back!!!!!! This is unheard of and I want my money back. I started at the beginning of XX/XX/XXXX and itemized every single transaction to include when I signed up for this overdraft protection. They illegally took {$910.00} from my account and they totally disregarded my dispute to these charges!!!!
Product: Prepaid card

I filed a police report with XXXX sheriffs dept - and advised them that {$4400.00} was stolen from me. I never received the Money Network card that was issued to me. When I called them on XX/XX/year> they advised that the funds were withdrawn. I asked how could they have done that and they said that I would have had to authorize it. I never did so. I called Money Network several times, and every time it was lenthy wait times, sometimes over 2 hours only to be told that all I could do is appeal. I asked for proof of who or where i was able to authenticate my info so the withdraw can take place. This week, I received a letter stating a date/time and telephone number of who called to validate my information. However, this is a lie. The number listed is for my brother in law. I can provide copies of the document received as well as my brother in laws cell phone records that can prove that he made NO call on the alleged date that Money Network states. All of the information I have received, the lies, the run around and now this supposed proof are all a scam. I have reached out to my Senator, local Media and anyone who is willing or able to help as this is so unfair. I am still on unemployment due to a XXXX and will remain so, on doctors orders until XXXX- this needs to be resolved, as this is obviously a scam Dispute Case ID- XXXX XXXX XXXX Sheriff Dept report : XXXX XXXX part 1 shows page 2 - no call was made to Money Network as they show on their records XXXX part 2, page 1 - shows no calls made to Money Network as they show on their records
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

On XX/XX/2023 a person opened a credit card with Chase in my name. I received a credit card in the mail I was not expecting and did not apply for.
Product: Credit reporting or other personal consumer reports

On this day of XX/XX/24 I was reviewing my TransUnion consumer report dated XX/XX/24 and at that time I see I still have old and incorrect personal information that wasnt on My consumer report when I filed my complaint with the CFPB on XX/XX/24. After TransUnion removed the old addresses and multiple names variations they added ( 17 ) additional telephone numbers from 5 years or more. This information is being reported without my permission or a court order. TransUnion policy doesn't supercede federal law.This is a violation of the FCRA the information being reported on my consumer report should be precise and accurate. I have attachments that will show the inconsistent information. There should only be correct precise information being reported on my consumer report. 1 ) address 1 ) name 1 ) Employment 1 ) D.O.B & 1 ) Telephone number.According to the FCRA ever consumer reporting agency prepares a consumer report it " shall '' follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm showing a voluntary repossession with a joint account from XX/XX/2015 on my credit report with XXXX XXXX XXXX that I'm not aware of. I've contacted them to provide my some type of validation to this account ( signed ink or any document proving, I'm the one who got this account ) and they have nothing on file so they tell me not even as much as who else is on this account so I've tried disputing this with both the company and the credit bureau ( Equifax ). This currently has effected my credit in a negative way and all I want is some resolution and to know if I can pursue this through legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

CITIBANK NA., BEST B Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 

XXXX - XXXX Inquiry : XXXX XXXX, XXXX XXXXelephone Companies
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed several addresses that were unfamiliar to me. I did not recognize these residences and I am sure I have never lived at them either. My address is XXXX XXXX XXXX XXXX, LA XXXX and should be reported as such. If anything, else is listed, please delete immediately. I have included proof of my identification in this letter to make this request easier and quicker for you all to execute. In accordance with the Fair Credit Reporting act. below has violated my federally protected consumer rights to privacy and confidentiality under the following : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : This law regulates the collection, dissemination, and use of consumer credit information, including requirements for accuracy and completeness of consumer reports. 

2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 : While primarily focused on debt collection practices, inaccuracies in credit reporting, including incorrect addresses, can also implicate FDCPA provisions, particularly regarding the accuracy and fairness of debt collection activities.

3. Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801-6809 : This law governs the collection and disclosure of consumers ' personal financial information by financial institutions, including credit reporting agencies. Inaccurate reporting of addresses may raise concerns about the safeguarding of personal information under GLBA.

4. Regulation V ( 12 CFR Part 1022 ) - The implementing regulation for FCRA, issued by the Consumer Financial Protection Bureau ( CFPB ). It provides detailed requirements for the accuracy and integrity of consumer information maintained by consumer reporting agencies. 

XXXX. Regulation F ( 12 CFR Part 1006 ) - Implementing regulation for certain provisions of the FDCPA, issued by the CFPB. While primarily focused on debt collection practices, inaccuracies in credit reporting, such as incorrect addresses, can also implicate Regulation F provisions regarding the accuracy and completeness of information provided to consumers. 
These laws and regulations aim to ensure the accuracy, fairness, and privacy of consumer credit information, including accurate reporting of addresses by credit reporting agencies. Violations of these laws can result in legal consequences and penalties for the agencies involved.
Product: Debt collection

In XX/XX/XXXX, I entered into a repayment agreement with XXXX XXXX XXXX XXXX to repay Macy/Department Stores National Bank charges in the amount of {$25.00} a month. XXXX sent me a monthly reminder that the payment would be processed on a certain date. I received these monthly reminders from XX/XX/XXXX through XX/XX/XXXX. XXXX stopped sending the reminders on this account and will not tell me the status of the Macy 's account. I have asked XXXX for an accounting. XXXX representatives are unable to locate the account under their specific reference number, the last four digits of the Macy 's account number, or any of my personally identifiable information, including my social security number. XXXX representatives indicated that Citigroup is the holder of Macy 's accounts and advised me to contact Citigroup. Representatives at Citigroup could not find the Macy 's account number referenced on the XXXX monthly reminders for which I have paid {$25.00} monthly for over 4 years. I have another Macy 's account that I am paying monthly to XXXX, which began in XX/XX/XXXX. XXXX is still sending monthly reminders on this account. XXXX representatives indicated that their system changed and their reference numbers have changed. The change in the reference numbers is evidenced in the monthly reminders for this particular Macy 's account. XXXX representatives indicated that this is the only account they have serviced. XXXX representatives verified this account is under my name. Monthly reminders on both Macy 's accounts are attached to this complaint as evidence that XXXX was withdrawing funds for both accounts.