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

I am writing to dispute the following information in my file. I recently reviewed my credit report. The credit report shows multiple inquiries i dont recall authorizing. I understand that you shouldnt be allowed to put a inquiry on my report unless i authorize it. Please remove as it is making it hard for me to acquire credit.
XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXXXXXX XXXX  2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXXXXXX XXXX XXXX XXXX and XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXXXXXX XXXX XXXXXXXX and XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX My Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX SSN : XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX I received a copy of my credit report a few days ago I discovered a hard inquiry from these following companies. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. I also Know any extension of credit should be given as I didn't receive anything from your company to be shown on my consumer report. Please remove all listed below before i take legal actions please. 

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  I am sending this letter certified mail for my protection as well as yours. Please forward proof to me at your earliest convenience or send a request to the credit bureaus that you report to if you discover this was an error. 
It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score. 
I anticipate your response. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

TD Bank charges predatory fees. On XX/XX/2020, I deposited {$20000.00} into my savings account to satisfy the minimum required balance. Gathering that {$20000.00} represented an enormous effort. I had to sell two vehicles, plus some furniture and clothing. The pandemic has hit my household hard, and we have no money to spare -- just these emergency funds from selling things. Only 2 days after I deposited that {$20000.00}, TD Bank hit me with a {$15.00} cycle fee. It must have been automated, and did not take my deposit into account, as a human being exercising judgment would probably not punish a struggling customer like that. So I sent TD a secure message about the fee. All I got was an automated response telling me they'd get back to me. They never did. On XX/XX/2020, TD imposed ANOTHER {$15.00} cycle fee, clearly caused by TD 's XXXX fee that had drawn my balance below {$20000.00}. While the first fee may have been an error of automation, the second fee is TD charging me for TD 's own fees. This fee pile-on is unfair and abusive. I called TD Bank customer service about this today, and they refused to help. Please stop TD Bank from preying on struggling  consumers like this.
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 XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a out a second letter with proof if identity as well on XX/XX/XXXX to all the credit reporting agencies. However the credit reporting agencies said they completed the investigation and everything was XXXX XXXX accurate. TransUnion XXXX and XXXX has Failed to do a proper investigation and respond back to me. This is not making any sense and is also frustrating when these corporations are for XXXX reporting inaccurate information and for XXXX not removing the information when i ask them to. 

According to the law 15 U.S. Code subsection 1681a Definitions ; rules of construction.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. It's well past XXXX days. 

I would like to know who did they talk to. 

How did they complete this investigation.
Product: Checking or savings account

There are unathorized transactions on my cash app account.i reached out to them to get the situation fixed. They denied my claim. The cash app cash tag is $ XXXX. My email address is XXXXThe transactions are Saturday XXXX/2024- {$13.00}, XX/XX/XXXX XXXX {$3.00}, XX/XX/year> withdrawal of {$3.00}, XX/XX/XXXX withdrawal of {$20.00}, XXXX XXXX,2024- {$3.00}, XX/XX/XXXX 2024- withdrawal - {$3.00}, XX/XX/XXXX XXXX  - {$3.00}, XX/XX/XXXX XXXX  - {$4.00}, XX/XX/XXXX withdrawal - XXXX, XX/XX/XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a Wells Fargo account between XXXX and XXXX, you might be XXXX of the XXXX XXXX customers who qualify for damages, says the Consumer Financial Protection Bureau ( CFPB ). I need to find out if I am apart of the settlement.
Product: Debt collection

Last Reported XXXX XXXX, 2017 Collection Agency ERC Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, 2017 Closed Date -- Responsibility Individual Balance {$2000.00} High Balance {$2000.00} Remarks Placed for collection
Product: Debt collection

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 and section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any account that was 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 information relating to any transaction by the XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX
Product: Checking or savings account

So on XXXX XXXX  I received an erroneous charge from XXXX XXXX, Ak. 2 charges on the same day, one for XXXX and one for XXXX  I contacted XXXX and they said I needed to have my bank contact them because I did not purchase anything from XXXX. I contacted my bank and they credited me the money and took my claim information. Needless to say, I missed a letter from my bank but did notice today after I contacted my bank after they reversed charged my account for {$640.00}. I thought the letter was a bank statement. Either way, they sent me a letter saying that the charge was authorized by you or made by someone who has permission to use the card or account. 
I spoke with the bank today and they did reopen my case. The problem is that I called back XXXX in Arkansas and they said nobody from the bank investigated it. I sent in my appeal but I am pretty upset that they can just dismiss something like this and there is no recourse. I do have a XXXX account but it shows no purchases. XXXX wants my order number, but I tell them I don't have an order number because I didn't order anything. I was just charged for it. XXXX tells me to have Bank of America just call XXXX 's fraud department and I keep getting this back and forth.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Partners Financial Collections '' ( XXXX XXXX XXXX, XXXX, Mo.XXXX ) on XX/XX/16 unfairly placed on my XXXX  credit report a collection acct. and this company does not have license to operate in Georgia!! They bought this inaccurate, unvalidated, unverified and fraudulent collections acct. # XXXX from another company that also does not have license to operate in Georgia , " XXXX XXXX XXXX '' .. This company entity does not exist and I have never done business with this company!! This acct # XXXX is not my acct..If anyone takes 5 minutes and searches GA.Secretary of State business search website site page, you will find neither one of these companies have license to operate a business in GA!! There was a company called " XXXX XXXX '' but that company lost their license to operate on XX/XX/16 because of financial fraud crimes and '' ironically '' not paying their bills with the state of GA., but they still illegally operated without a license on XX/XX/16 and with wreckless disregard they sold an inaccurate, unverified, and fraudulent collections acct. # XXXX to " Partners Financial Collection '' who also didn't have GA. license to operate either!! Apparently they didn't investigate each other before they both broke the law 4 years ago and destroyed my credit and my life with a fraudulent {$10000.00} collection acct. # XXXX!!! and this fraudulent acct # XXXX is still on my XXXX  credit report!! I have disputed this inaccurate fraudulent acct. with XXXX  and showed them written proof but they have intentionally and maliciously refused to remove this painful, fraudulent, and inaccurate acct # XXXX off of my XXXX  credit report.. Please help me ... Thank you in advance for your thoughtful consideration..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX commonwealth financial reported moving a negative to collection. And again reported moving the same negative to collection on XX/XX/XXXX. So this company moved a negative to collection twice to damage my credit. The problem is XXXX XXXX is already in collection on my credit for this account. Commonwealth is reporting fraud accounts on people 's credit. The medical bill is already in my account as collection but Commonwealth is trying to bill me twice. See attachment. 

Collection Agency COMMONWEALTH FINANCIAL Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA Zip XXXX
Product: Debt collection

I already have a complaint open with this company but they're such scumbags that they instructed the post office to hold my certified letter so they can not sign for it? XXXX I'm going to attach information from the post office tracking website by my count they owe me {$2000.00} one for not verifying the debt and one for not getting me an answer in time. Now I would like {$3000.00} for instructing the post office to hold my certified letter that proves they broke the law. 

Also at what point is XXXX XXXX  responsible for giving me a fake XXXX debt charge selling my debt to TSI who does not validate the debt properly and then just is aware this company is breaking the law they both are at some point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer. I am the natural person who is protected by the US Constitution and State Constitutions. I am not an entity the State created, I AM THE BENEFICIARY to such trust. I am not a resident of the State. I am not a US citizen. I am a citizen of the kingdom of Heaven. For He is my Creator. Isaiah 54:17 NKJV No weapon formed against you shall prosper, and every tongue which rises against you in judgment, You shall condemn. This is the heritage of the servants of the Lord, and their righteousness is from me says the Lord. This complaint is against XXXX XXXX  by me, XXXX XXXX XXXX. Date of LIVE Birth is XX/XX/XXXX. XXXX XXXX  has flagged a closed account in our name. We sold our house in XX/XX/XXXX. XXXX XXXX is alleging we voluntarily foreclosed on our home. They are making adjustments to unlawfully created accounts in our name. They have recently made reports to consumer reporting agencies without our consent to do so, which caused adverse actions to both me and my wife. XXXX XXXX did not disclose this to us nor did they have our consent to report to any consumer reporting agency or make adjustments to any accounts in our name. They have unlawfully used our identification information to commit fraud violating 18 USC 1028 and 18 USC 1028A and15 USC 1681b ( 2 ) 15 USC 1365. 15 USC 1693l. 18 USC 1341, 1342,1343, 1345,1346, 1348, 1349, 1350, 1351. 26 USC 1031, 15 USC 1693h, 15 USC 6821, 18 USC 2332b. They made reports on XX/XX/XXXX for the same reasons as this which caused the same adverse actions then too. This material misrepresentation is in an attempt to defraud the United States and Internal Revenue Service as well as myself and my husband XXXX XXXX. In my most recent update from XXXX, my notifications showed XXXX XXXX flagged my account as bank adjustment/deed in lieu/Bank Liquidation. The Deed was sold to XXXX XXXX to avoid the continuous threats, abuse, and harassment from XXXX XXXX  and Guild Mortgage. The threats, harassment and abuse caused us personal injury not only to ourselves but also to our family and private personal property. XXXX XXXX  and Guild Mortgage listed us as tenants in their unlawful, illegal contracts. We were not tenants nor did they have any lawful or legal right to possession of our private property. We owned our home. We extended credit to both Guild Mortgage and XXXX XXXX. They deceived us but the proof is in the sale. The documents we retained from the sale of our home required signatures of the OWNERS of the home, which were myself and my wife XXXX. The consumer reporting agencies failed to verify information before lowering my XXXX XXXX XXXX points both times. XXXX and again in XX/XX/XXXX. XXXX XXXX Guild Mortgage, XXXX, XXXX, XXXX are guilty of frauds and swindles, Identity theft, Aggravated Identity theft, Failure to protect customer information of financial institutions and so much more.
Product: Debt collection

I paid out the XXXX XXXX XXXX XXXX credit card by XXXX XXXX and closed it. months later they start sending me bills to pay and later reported me to collection, now Im getting non-stop calls and letters from Midland Credit Management.
Product: Checking or savings account

Account being accessed from other devices than mine using the same login credentials transactions that do not show up on my transaction history cards added to a mobile wallet that I did not authorize crazy fluctuation  of balances and unable to self-service the account through all my banking for example in reporting my car lost or stolen
Product: Credit reporting or other personal consumer reports

I see that TransUnion, XXXX, and XXXX are reporting XXXX XXXX XXXX  on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit reports. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. TransUnion, XXXX, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TransUnion, XXXX, and XXXX are not maintaining reasonable procedures.
Product: Mortgage

Initiated XXXX of our existing VA Loan with Veterans United back in XX/XX/2020. 
As of today, Veteran 's United has not scheduled a Closing, even though we repeatedly have asked for it. In fact, we have asked a Closing date no less than 4 times. 
NO communication from loan rep, unless we initiate the communication. The rep can not hide his condescension and lack of interest. It appears also that the rate he quoted to us is higher than rates quoted to Veterans with " white '' sounding last names. The loan rep insists that the problem is that my first name was misspelled and that's causing a 3 month delay with no end in-sight. NO apologies from the loan rep. I asked to to be contacted by in-house counsel because I am an XXXX XXXX XXXX and hoped that communication with another attorney would move the process along. He denied the request, perhaps the loan rep can not believe that a XXXX is an XXXX XXXX XXXX and to top it off the Special Victim Prosecutor of several XXXX installations. 

The higher than normal interest rate, the complete lack of transparency, and the obvious condescension and bias from the loan rep, all combined with the main problem that we still do not have a Closing date after 5 months led me to file this compliant. Further, I am not even sure the rate promised will the actual effective rate, since it has been so long since guaranteed.