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

XXXX  XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX  XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with TransUnion has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. 

According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. 

I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with TransUnion, XXXX, and XXXX under the FCRA but hasn't received a timely response regarding my written consent. 

Each CRA hasn't responded yet regarding my written consent. XXXX   XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting bureaus allowed XXXX XXXX XXXX to access my credit report unknowingly and without my consent, for the purpose of collecting on a debt that was for the corporate account and clearly not a personal debt nor personal obligation. To this day it has damage my credit and my ability to obtain new financing. I believe this is a scare tactic and their way of threatening me to get me to pay! Either way the client that he represents never completed the job, so theres no need for the attorney to do all that. He can simply have his contactor come back complete the job and get paid in full! It was absolutely no reason to put this on my credit report and start making hard inquiries on my credit report and damaging my personal credit report all for this! Theres clearly more professional way to handle business matters and this was a business matter once again not a personal matter!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$18000.00}
Product: Debt collection

My services were cancelled at XXXX XXXX XXXX XXXX # XXXX XXXX CO XXXX on XX/XX/XXXX. I requested a final bill be sent to me. XXXX/XXXX   never sent a final bill and they abruptly place a negative collection mark on my credit reports with XXXX, XXXX and XXXX. That has seriously damaged my credit and is in direct violation of FDCPA laws.Furthermore it appears my account may have  been transferred to Enhanced Recovery Company who i have never heard of. That is a double FDCPA violation because not only didnt XXXX/XXXX  not send me a final bill and damage my credit, Enhanced Recovery Company never contacted me in anyway to send me any collection notice and took away my right to dispute. I am asking for XXXX/XXXX  and its collection agency to immediately remove any reporting to the 3 major credit bureaus and send me a final bill. The amount showing on credit reports is {$150.00}. Online account shows a different amount and there are no bills available to view online so there is no valid proof of debt available to me. I am unable to view any bills online and last bill i received was XX/XX/XXXX. In my discussion with XXXX and chatting with agent by the name of XXXX, I was advised if i want it removed from credit bureau i have to either pay in full to XXXX or to the collection agency. here is the excerpt below from our chat session XX/XX/XXXX at XXXX 1. We can process the payment for the final bill then I will submit a request to remove the credit report, however, the removal will take up to 30 days from the date of the payment. 

2. You can contact the Enhanced Recovery and make a payment with them directly for a faster removal of the credit report, XXXX. 

I advised that I am not paying anything without seeing the final bill first and furthermore having the negative reporting deleted first. 

This further backs my claims of illegal tactics by these companies.
Product: Credit card

I consistently ensure that my payments are made on time. I'm confident about this. What I'm uncertain about is why this company is reporting me as late for certain months, which should not be the case. According to USC 1666b, any billing errors should be corrected, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.
Product: Debt collection

There is an account on my XXXX  credit report that reported by Portfolio Recovery Associates. This account is inaccurate and incomplete. The account is not collectable due to statute of limitations and has not arisen from a written contract that I signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  CST CU 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 N/A XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

Reopening case # XXXX and XXXX. Please note that the company has not delivered on anything that they promised on XX/XX/XXXX. I just checked my credit report today ( XX/XX/XXXX ) and they have not removed the delinquency from XX/XX/XXXX to XX/XX/XXXX. I also never received the relief amount ( though I don't care about that ). I would rather that they stay true to their word and remove the delinquency that they promised. You have the proof from their last reply.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX XXXX account number begging with XXXX opened under my name on XX/XX/year>. I believe XXXX XXXX XXXX XXXX has violated the truth in the lending act, codified in 15 USC 1601, by failing to provide accurate and transparent disclosures related to the loan terms and payments.

specifically, I have identified the following issues : 1.failure to disclose proper terms : the loan documentation provided to me did not clearly explain the interest rat, finance charges, or repayment terms in a manner that was understandable and compliant with the required disclosures under 15 USC 1601.

2.unclear finance charges : the amounts charged in connection with my loan appear to have been inflated, and I was not provided clear, itemized statements of the finance charges as required under the truth in Lending Act. 

3.erroneous billing and statements : I have received statements with incorrect amounts, and XXXX XXXX XXXX XXXX has failed to rectify the despite multiple attempts to resolve the issue. The past due amounts listed are not consistent with what was initially agreed upon. 

in light of these violations, I am requesting a full investigation into the handling of my auto loan and that the CFBP ensures that XXXX XXXX XXXX XXXX complies with 15 USC 1601 and corrects these issues. Additionally, I am requesting that any incorrect information reported to the credit bureaus in relation to this account be removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX opened a collection with XXXX XXXX XXXX for an account I've never had or received statements on. I've requested verification of debt and disputed with TransUnion but within 24 hours it states meets FCRA requirements, but no debt validation has been provided.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. XXXX XXXX Bank XXXX XXXX XX/XX/year> TransUnion Here I attach, along with the dispute, my fraud report that I just sent to XXXX  for the XXXX  time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity XXXX XXXX Bank XXXX XXXX XX/XX/year> TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting that a line by line investigation of my inaccurate accounts be done immediately. My information is still reporting inaccurately on my credit report ( s ), and is not In Accordance With the Fair Credit Reporting Act. I am very disappointed that I have to request corrections on my report again. The information listed below is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Accounts : XXXX XXXX XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference # XXXX. Incorrect Name : XXXX, XXXX, XXXXXXXX XXXX. Correct Address : XXXX XXXX XXXX XXXX, FL XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Correct Address : XXXX XXXX XXXX, XXXX, FL XXXX. Incorrect Employment : XXXX XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-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 inaccuracy.
Product: Mortgage

I sent in a payment of {$31000.00} to Select Portfolio Servicing, XXXX XXXX XXXX, UT. My monthly payment is {$1100.00}. I instructed them, on their payment form, in the box that says " Apply to Principle '', to apply the additional {$30000.00} to the principle. They did not do so, as I instructed them to do on their form. I was told by them that, the money was distributed according to what their computer decided to do with it, even though I had specifically directed its distribution on their form. The payment of {$1100.00} was taken out of the funds. As far as the remaining {$30000.00} goes, the next months payment was made of {$1100.00} { for XX/XX/XXXX }, {$10000.00} was put in an unapplied balance account and the remainder of {$18000.00} was taken off the balance after the second payment { XX/XX/XXXX's } was made. They charged me interest on the {$30000.00} as if it had been paid 2 months later. They said it will take some time to straighten this out. I could call next week.
Product: Credit reporting or other personal consumer reports

Upon applying for residency, I was notified in form of numerous application denials that my rental history is unsatisfactory. I contacted XXXX, XXXX and XXXX, whom stated that they had no knowledge as to why I was being denied. The credit bureaus does not have record of unpaid rental balances. I contacted Lexis nexus whom stated that their records show past evictions. I disputed the evictions with Lexis Nexus by phone but have not received any further correspondence as far as efforts on Lexis Nexuss behalf to resolve the issue.
Product: Money transfer, virtual currency, or money service

I am filling against Cash App Block Inc for inadequate practices and policies. They failed to protect my personal information leaving me vulnerable to be scammed amongst other unforeseen problems to come in the future. According to the CFPB act.
Product: Checking or savings account

I received a settlement check for workmens comp back in XXXX of this year. I deposited it into my bank account via ATM at Wells Fargo because they were closed when I arrived there. The machine told me that the funds would be available within a few days in full.. I received a email from Wells Fargo accusing me of check fraud, and told me that due to the check I attempted to deposit that my account was to be frozen and that they would be closing it on XX/XX/XXXX. I called the branch where I deposited it and attempted to speak to the Branch Manager, who refused to help me and stated that if I received a email stating that it was a fraudulent check, then he wouldn't help me and that there was no need to speak to him or be at his branch.. I brought all necessary documents from my attorneys office as well as everything that was attached to the check and attempted to show it to the bank manager, and yet I was still turned away and asked to leave or the authorities would be contacted and I would be trespassed.. He also told me that I couldn't have gotten any type of large amount of funds sent to me because I never have any amount that large in my account prior to this.. And I was a customer of Wells Fargo for over 13 years prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( XX/XX/XXXX ) to remove the unauthorized inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the bureaus are required to remove/block any inquiries or information not later than XXXX business days after the ( XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

My ex-wife and I had a joint line of credit w ith Wells Fargo. When  she filed bankruptcy, the account was charged off in  XXXX   XXXX . Since that date, the account info has been incorrectly reported to  XXXX , and a check of my credit report today shows the account as still open and my status as  120+ days past due. I sent a letter to Wells Fargo in   XXXX   XXXX , and have disputed this issue  with  XXXX  several times.   XXXX   will no longer accept a dispute, and Wells Fargo continue s to give me the run-around and wo n't fix my issue. My credit rating has suffered as a result of their inaction.
Product: Checking or savings account

My account with First Bank was closed as I attempted to buy a used car for my son. When I sent the money to a friend of a friend by XXXX, it was flagged as fraud. This is fine, but what is not is the way I was treated when the bank called me to verify the transaction. The representative spoke with a mocking tone, and acted like a child. At one point, I said this isnt fraud and she replied uh huh it is. I became frustrated and she terminated the call. 

At this point, in retaliation, my account was closed. When I opened a new account, I was unable to set up my bills as usual, and received a letter stating that my ACH access was blocked. I called First Bank to dispute this last week, and again was spoken to like a child. In a mocking tone, the representative said they could not help me and laughed. 

I also was expecting my tax return at this time. First Bank said last week that they were mailing the check to me. When I followed up today, I was told that it was returned to the IRS. The representative again made jokes and laughed. Looking at their reviews, I can now see I am not the only customer with this issue. 

I spoke with the IRS today after First Bank and they do not know where my refund is. To help, they placed a " trace '' on my refund and are contacting First Bank to find where my refund disappeared to. 

I'm afraid that First Bank has stolen my refund, and I would like them to remove the ACH hold from my profile.
Product: Credit card

I have not been provided monetary and other credits promised by American Express for using AMEX credit card No. XXXX XXXX XXXX XXXX, I applied for and received an American Express Delta Platinum XXXX XXXX. The initiation fee for the credit card was {$250.00} and under the advertised terms of the card, American Express would credit the card holder ( me ) {$400.00} after the card had been used to purchase a Delta XXXX flight. Additionally, American Express agreed to credit the card holder with XXXX Delta miles after {$3000.00} had been charged to the card within the first XXXX months. I achieved both of these milestones within the allocated time. 

Beginning in XX/XX/2022, I called American Express to find out why I had received neither the {$400.00} credit nor the XXXX miles. I was told both were " in process '' and that I would receive them shortly. After three further calls over the following several weeks I was finally told that American Express had decided to not credit the {$400.00} or the XXXX miles because I had had other American Express cards in the past which I had cancelled. ( I don't keep a record of my credit cards but I estimate I have had 3-4 American Express cards over the past 30 years ). I explained to the American Express agent that if American Express did not wish to honor these credits it should not have accepted my application in the first place. Furthermore, by accepting my application and charging me, and receiving, the {$250.00} initiation fee there was a de facto offer and acceptance of the advertised terms. 

After several attempts politely asking American Express to honor its commitment, I canceled the credit card and explained to an agent at American Express that I was leaving a balance on the card of {$250.00} as an offset against the initiation fee which I had paid when I received the card. 

For the last 18 months or so, American Express has hounded me with robo calls and has turned my account over to two collection agencies. ( I have spoken to both and after they heard the details of the alleged indebtedness neither agency bothered me again ). American Express has continued to add interest charges and late fees which now total over {$840.00} and has damaged my otherwise excellent credit rating. 

Since American Express has repeatedly refused to recredit the initiation fee for the credit card, I am now seeking to collect the {$400.00} credit that American Express owes me for purchasing the Delta XXXX ticket plus {$900.00}, which is a conservative estimate of the value of the XXXX Delta miles owed to me less the {$250.00} balance I left on the credit card when I canceled the card. This totals {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & delete any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items from files. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$270.00} XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$920.00} XXXX XXXXXXXX Balance : {$170.00} Medical XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX I ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$75.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.