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

Company is not investigating throughly and are reporting inaccurate information. Company did not provide original document or bill of sale of these items that are listed below : 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 XXXXXXXX XXXX
Product: Credit card

I called Chase Bank to close out a credit card account. When the phone agent was talking about next steps, he said that my account is closed against new purchases and he advised that I call any merchants with reoccuring charges so that I do n't miss payments. That was all good. Then he said that there may be some merchants that have an authorization code who could charge my card in the future. I explained that I wanted my account completely closed, and that any charges should be rejected. They said that it was closed, but still there is this potential that a merchant can charge against it and I would be liable based upon my agreement with the merchant. I was quite surprised that Chase/VISA would get involved with a XXXX party agreement. I said that I wanted my account closed like a bank account and that any charges presented against the account would be rejected. They said that was not possible. That it was highly unlikely, but a possibility that there is some agreement that would allow future authorizations against this card. And that MAYBE in a few months with a XXXX balance, closed account and no charges they would purge this from their systems. This is crazy-talk. 

So, my complaint is that I should be able to CLOSE a credit card account and have it be closed, like a bank account and that the credit card company should not stop me from severing my relationship with them. I 'm just not that into them anymore.
Product: Debt collection

A collection balance showed up on my credit report from CCS XXXX. The charge impacted my credit score by XXXX points. I called them on XX/XX/XXXX and they had a hard time finding my account and were showing different amounts that i supposedly owed. Once the account was found that was only based on my name, they advised that they represented XXXX. I explained to them that i was not aware of a bill for XXXX and my account with XXXX was a XXXX balance. I had never done business with this company, they claimed that they had sent me letters that had been returned from multiple address but the the last one they sent on XXXX had not been returned. I explained that I was in the middle of a dispute with XXXX and had filed a dispute form with the DOI due to several missteps XXXX made when I cancelled my policy. After filling the dispute I paid the balance in full in the interim. I never had any contact with Credit Collection Services and they refused my request to have it removed even though they were able to verify that I did not have a balance. I never received a phone call, letter, and all my payments were made to XXXX. I have attached two statements from XXXX with the first being a statement that showed I owed XXXX on XX/XX/XXXX and then a rewrite that I was not made aware of for an increase of XXXX. XXXX over the next 5 months had originally sent me a bill for XXXX, and after sending documents that I had a policy in force the dropped it down to XXXX and then i had to request multiple times again to have them review again and it went to XXXX which was still incorrect. They rewrote my policy without my request and for that I filed a grievance with the Arizona Department of Insurance.
Product: Credit card or prepaid card

AMEX is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( AMEX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my dispute letters in XXXX and the beginning of XXXX. Both were sent certified mail. I've attached the screenshot showing the exact dates. And, I have a late payment for XXXX XXXX reporting and I was never late. I've contacted XXXX XXXX and XXXX XXXX 's CEO to try to resolve this and it's been more than 30 days. 

I need this account updated ASAP to reflect that my payment isn't late or for the account to be removed totally. 

I also included a XXXX auto account that is not mine, I've granted no permissions for this account to be on my report. This is a violation of my privacy and I want this account to be removed asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX  XXXX account # XXXX XXXX  account # XXXX have 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 an account without my written instructions.
Product: Credit card or prepaid card

When I called Amazon customer service, they gave me a full refund for both books, so no additional action is needed. But I believe Amazon is systematically making false credit card charges while they are ending their textbook rental program and trying to squeeze any money from the program by forcing customers to buy the books they rented. These additional charges are happening months after the item was purchased and do not deal with damage but normal wear and tear. 

In XX/XX/XXXX, Amazon cancelled its textbook rental program. I participated in the program using my Amazon credit card through Chase. Although I have never gotten fees for damage or repair, suddenly I got charges for the full amount for books I returned in XX/XX/XXXX. I did not approve the charges and they came months ( XX/XX/XXXX and XX/XX/XXXX ) after the item was returned in XXXX. This happened on two separate books : Natural Resources Law and Policy and Law of Governance, Risk Management, and Compliance. I received the books back in the mail about 1-2 months after the charges were made, or approximately five months after the books were returned. 

I believe Amazon is unfairly charging fees to credit cards in an attempt to liquidate and dispose of its rental textbooks at a profit.
Product: Credit reporting or other personal consumer reports

Complaint : Discrepancies in Credit Reports, Identity Theft Concerns, and Lack of Access to Credit Report via XXXX Personal Information : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Email : XXXX Phone Number : [ XXXX XXXX XXXX ] Company Name : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Complaint Details : Issue : I am writing to file a complaint regarding discrepancies across my credit reports from Equifax, XXXX, XXXX, and XXXX. I have encountered the following issues, all of which I have attempted to resolve through the credit reporting agencies, but without satisfactory resolution : Inaccurate Personal Information : My credit reports contain outdated and incorrect personal information, including incorrect addresses, phone numbers, and employer information. Despite my multiple requests to update and correct this data, it remains inaccurate. 

Identity Theft Concerns : I am a victim of identity theft, as documented by the attached police report ( Case # XXXX ). Fraudulent accounts have been opened in my name, and I am unable to access these fraudulent accounts to review their details. Additionally, checks were stolen to further justify this identity theft. I have filed a police report and an identity theft report with the Federal Trade Commission ( FTC ). These documents are attached as evidence. 

Failure to Provide Access to Credit Report via XXXX : I have a subscription with IdentityIQ to access my credit reports, but I am currently unable to access my credit report. This lack of access is preventing me from reviewing the status of my accounts and taking necessary action against the potential identity theft. 

Discrepancies Across Credit Reports : The credit reports from the three major bureaus, Equifax, XXXX, and XXXX, display inconsistent information regarding the same accounts. Account numbers, payment status, and other details differ, suggesting errors and possibly fraudulent activity.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 ; XX/XX/2023 ; and XX/XX/202XXXX XXXX XXXXXXXXRocket Mortgage pulled my credit files 2 times within a 30 day period without my consent! I have never given this entity consent to pull my credit files. This is unauthorized and needs to be removed. I have been in contact with this entity and a manager there, which advised me that I need to dispute with the credit agencies, which I did but no success because the entity never replied and credit agency told me that they are factual hard pulls? I would like to know how, if I never given consent. This is against the law and my SSN has been used for personal gain illegally and fraudulent. If this is not rectified, my next step is legal counsel. Thanks
Product: Checking or savings account

My mother dies XX/XX/2020. BOA inheritance department dispersed all funds to siblings but mailed my money to old address. I have filled out 4 new ID affidavits and spent over {$300.00} in notary fee. All they ever say is they are going to cut new check but after 7 months they refuse to do it. Always telling me they need new ID affidavit and each time it costs me {$180.00} notary fee. The are holding my money hostage and wont allow me to donate it or receive it.
Product: Debt collection

XXXX, XXXX, XXXX XXXX XXXX, XXXX trying to secure money for LVNV who bought a debit from XXXX XXXX XXXX XXXX. They stated that LVNV had received a judgement that the debit was valid, without my knowledge stating that I had made a payment in XXXX, Not true, my father died in XXXX and my money had gone to pay medical bills. I paid a settlement from my father to XXXX XXXX, I spoke with a man who had an XXXX accent and paid. 
LVNV has bought a debt that was closed years aga. I received a letter from XXXX, XXXX, XXXX and XXXX, When I called them I spoke with a man named XXXX phone number XXXX option XXXX, Who threatened me, said this judgement would last for 20 years etc. I had a legal group litigation practice group who challenged the legitimacy of LVNV claim, when I decided to cease the use of the legal group LVNV XXXX XXXX, XXXXXXXX XXXX XXXX showed up again with their terroristic tactics
Product: Debt collection

The company is Midland Credit Management. I paid this debt and have a letter sent from them stating it's paid and I have no further financial obligations for the debt. They are still reporting a collection. They violated the fair credit report act. They change the amount to XXXX and then back to original amount constantly. That violates the act. They removed 2 of the collections off my credit report but they are not removing one of the collections that is paid and part of the settlement letter. This company is fraudulent. I want the collection removed from my credit report because it is paid. XXXX and XXXX I have sent documentation showing proof it's paid but they don't remove it they tell me that they believe the agency over the consumer even with proof of payment.
Product: Money transfer, virtual currency, or money service

previously when you zelle money to someone and you send it to the wrong number/ person you cant get your money back. there was no clarification that you are sending to the right person before sending the money.
Product: Credit card or prepaid card

Currently Reporting on XXXX and XXXX 1 ) Navy Federal Credit Union Amount {$25000.00} *Date opened XXXX XXXX. 
*Disputed this account via certified mail to Navy federal and the credit reporting agency XXXX XXXX XXXX 2 ) Navy Federal Credit Union {$2100.00} *Date Opened XXXX XXXX *Disputed this account via certified mail to Navy federal and the credit reporting agency XXXX XXXX XXXX 3 ) XXXX amount {$710.00} account opened XXXX XXXX *Disputed this account via certified mail to Navy federal and the credit reporting agency XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Informed them that I have been the victim of fraud. They tell me to contact the people who inquired directly to find out why they pulled my credit. I told them that after being informed that this is fraud, they are supposed to help me. I have called numerous times and spoken with many people, they all are giving me the run around and don't know how serious this is. I am asking them to remove all the fraudulent information ( inquiries ) as by the FCRA and that is to remove all incorrect, unauthorized and unverified. from my reports. 

Please remove the following fraudulent inquiries that I did not authorize, nor do I have any business with. 

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
Product: Debt collection

North American Credit Services , Inc. was informed several times in writing that they have the wrong info and the debit they are stating is impossible.
Product: Mortgage

We have a property that has been for sale since XXXX XXXX. For most of this time period the property has been under contract ( 4 separate offers ) and awaiting response from the mortgage company. The first offer, buyers walked away because it took too long for a response. The second offer, mortgage company countered, buyers increased offer and again the mortgage company did not respond in a timely manner. When the closing date came and went the buyers threatened to sue us for breach of contract if we did not reimburse them for appraisal, inspection, and survey fees ; which we did. The third offer, buyers walked away because again the mortgage company did not respond in a timely manner. 

The current offer is a full price, cash offer of {$290000.00}. The contract was submitted on XXXX/XXXX/XXXX with a closing date of XXXX/XXXX/XXXX. The mortgage company requested to extend the closing date to XXXX/XXXX/XXXX, all parties agreed. We were advised by our point of contact that once we submit an offer close to or the exact amount of {$290000.00} it would not take long for them to review the file and issue a decision. Today is XXXX/XXXX/XXXX and we are still awaiting a decision from the mortgage company. Although we have been very prompt in submitting all documents and information requested, the mortgage company is unacceptably slow to process the sale which is causing anxiety to both parties. 

Any assistance you can give us in resolving this matter will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Transunion is reporting numerous accounts and inquiries that are not mine. I have requested investigation and TransUnion insists the accounts have been " verified ''. I was able to get to the bottom of XXXX of these accounts and get statements from the companies saying they will be removed from my report. Transunion needs to do a PROPER investigation on the final XXXX things that are not mine ( XXXX XXXX ( reporting late ) and XXXX XXXX XXXX ), as well as delete the unauthorized hard hits on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 3 accounts on my experian report that should not be on my report. XXXX account XXXX, this account is originally known as XXXX XXXX/XXXX XXXX which was removed and paid in the amount of XXXX this account was sent to XXXX which is not lingering on my report which should be deleted as per incorrect information i even tried speaking to several employees at experian and they were no help. Second account is university XXXX  XXXX XXXX balance of XXXX should not be on my credit report as this is incorrect. XXXX XXXX XXXX is the only one that should be on my credit report i have disluted this account over 60 days and experian does not remove it giving me a hard time. The third account is XXXX XXXX XXXX XXXX this account was paid in full and should be deleted off my experian credit report as this is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are MULTIPLE fraudulent items on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent items and they're still reporting on my credit report.

I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.

I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act says that, information on a credit report has to be timely, verifiable and accurate. I have made several attempts to remind the bureaus of their duty pursuant 15 USC 1681. It appears they are intentionally and willfully neglecting my request to investigate this account. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am filling this complaint as another attempt to get this resolved. XXXX XXXX  is reporting inaccurate and incomplete information about me, which causing me serious financial stress. XXXX XXXX  account shows no payment history is being reported to XXXX and a different payment history to Equifax and XXXX. XXXX XXXX  deleted my entire positive payment history on XXXX and created false data to show that the payment history is being reported accurately and fair. This account is now inaccurate, incomplete and no longer fair and must be removed from my credit report immediately. XXXX XXXX took away all my positive payment history before the account was charged-off and the time is absolutely wrong because they deleted their own payment history.
Product: Vehicle loan or lease

I have a car loan  w Fith Third  Bank. I have had a bankruptcy and thru it all i have never missed a payment. I am current in all payments, yet they call my home 5 times a day on weekends and holidays!!!!
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX I HAVE SENT A LETTER XX/XX/year> ASKING FOR TO COMPANY NAMED ABOVE TO DO A INVESTIGATION ON THIS FRAUDULENT ACCOUNT OPENED IN MY NAME. YOUR COMPANY NEVER SHOWN PROPER PROCEDURE OF INVESTIGATION SO HOW WAS A INVESTIGATION DONE?. THERE IS NO PROOF SO THIS ACCOUNT MUST BE DELETED IMMEDIATELY 15 U.S. Code 1692e - False or misleading representations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX
Product: Bank account or service

I OPENED A ACCOUNT AND THEY PUT A HOLD ON ALL MY MONEY AND REFUSE TO GIVE ME ANY IMFORMATION OR CLOSE MY ACCOUNT
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate and unauthorized inquiries reported on my TransUnion credit report. These inquiries are not associated with any accounts or credit applications I initiated, and I do not know their origin. Despite my efforts to dispute these inquiries directly with TransUnion, they remain on my credit report, negatively impacting my credit score and overall creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are obligated to follow reasonable procedures to ensure the accuracy of the information they report. By failing to verify the legitimacy of these inquiries and continuing to report them, TransUnion has violated its legal responsibility to maintain accurate consumer credit information.

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus must conduct a reasonable investigation into such disputes. Despite my attempts to resolve this issue, TransUnion has failed to adequately investigate or remove the inaccurate inquiries.

These unauthorized inquiries are causing undue harm to my credit profile and may result from identity theft or other unauthorized activity. TransUnions failure to address these inaccuracies undermines the integrity of the credit reporting system and unfairly penalizes me as a consumer.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek the immediate removal of all unauthorized inquiries from my TransUnion credit report and assurance that TransUnion will take appropriate steps to prevent similar inaccuracies in the future.

Thank you for your attention to this matter. I trust in your assistance to ensure compliance with federal consumer protection laws and to restore accuracy to my credit report. 


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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Zelle, XXXX XX/XX/XXXX I sent money ( {$200.00} ) to the wrong person and was not able to get the money. XXXX  XXXX XXXX was of no help and I want to file a complaint against them as well.