23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I returned from a XXXX on XXXX from the XXXX XXXX. The information from the Portfolio Recovery Associates , LLC showed up on my credit rep I returned from a XXXX on XXXX from the XXXX XXXX. The information from the Portfolio Recovery Associates , LLC showed up on my credit report around XX/XX/XXXX. I tried to contact the Company to get additional information. They were not able to supply me with anything. I told them I was on a XXXX, the information showed up on my credit report without warning. I was not given the allotted time to resolve the issue prior to having it showed up on my credit report as I was on a XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Credit usage 99 % Balance {$2900.00} Balance updated XX/XX/year> Credit limit {$3000.00} The correct balance is {$1700.00} as we are refinancing and ask XXXX to report the correct info.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX
Product: Credit card

A fraudulent account was opened in my Name on XX/XX/year> for the amount of XXXX also another account for XXXX also another account for XXXX all accounts through LVNV
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 information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is 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 remove these files. 
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX Balance : {$0.00} Bankruptcy XXXX  XXXX Reference # : XXXX Bankruptcy : XXXX XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX2024 i applied for a student credit card with Discover but they kept requesting additional information from me before making a decision. On XX/XX/XXXX2024 they approved me for a {$1500.00} credit limit and on XX/XX/XXXX2024 i received an email from XXXX verification to consent for income verification. That same day they closed my account but i havent received my card yet. I received my card on XX/XX/XXXX2024 and tried to activate the card but couldnt so i gave customer service a cal only to find out it was closed. The agent told me to just reapply. I applied again on XX/XX/XXXX2024 and got approved again but only for {$1000.00}. That XXXX  i got an email to sign for consent to verify income. On Tuesday XX/XX/XXXX2024 the account was closed. I have customer service a call only to find out it was closed due to a secured account that was closed. I spoke with an agent and he stated the account was closed due to the relationship with the account from 2022. The account i just recently got approved for was a student card so Im not sure how the secured card and student card has a relationship.
Product: Mortgage

Hello, I applied for a mortgage with Quicken/Rocket mortgage company in XXXX of XXXX. During all discussions I made it clear I was looking for a mortgage with a rate of 2.75, no points, and an APR of under 3 %. I spoke with XXXX XXXX XXXX and he said he would be able to do this. When I received the initial paperwork I noticed there was an origination fee with 2 points which was {$8700.00}. I immediately called XXXX XXXX who assured me these " points '' had to be added to get the rate I requested however XXXX/XXXX  would be covering the points in credits and they would be at no cost to me. XXXX XXXX went over the loan estimate, noting there would be credits ( some of which were under the " Adjustments and Other Credits '' section in the amount {$5900.00} ) and with an estimated Cash to Close amount of {$200000.00} he explained that the points were covered by Quicken/Rocket .... over the time period between the initial Loan Estimate and the Final Closing documents there were several adjustments made ( in the Loan Estimate dated XX/XX/XXXX the cash to close increased to {$210000.00} with Adjustments and Other Credits changing to {$8900.00} ) however I never questioned it as I was told I would be credited for the applied points. There was also a personal loan in the amount of {$11000.00} so I understood that many adjustments were being made but again I was told that the points ( in the amount of {$8700.00} ) would be covered by XXXX/Rocket Mortgage. When we were scheduled to close on the loan the points remained and it was explained that the " Adjustments and Other Credits '' were actually charges as they did not have a minus symbol. I explained that I was assured there would be no cost of closing points to me and I was told to go ahead with the closing as we did not want to lose the home and it would be investigated after the closing. We closed on the home on XX/XX/XXXX and I have been doing back and forth with Quicken/Rocket to try to resolve the matter. While they have verbally acknowledged XXXX XXXX stated XXXX would cover the majority of points, they have offered me .25 % of a point which amounts to {$1000.00} as a resolution. To me this is unacceptable. Their practices were misleading and unfair, and I would have never agreed to the mortgage with them had I known they would do such a thing. I purchased this home with my mother who has her original mortgage with XXXX XXXX and we did not get our current mortgage through them because they required us to pay points to get a rate of XXXX. XXXX XXXX assured me the points would not be of cost to me and would be credited and covered by XXXXRocket Mortgage. While I originally believed this was an accidental mistake on the part of XXXX XXXX and XXXXRocket Mortgage I now feel it was done purposely to mislead me into paying said points.
Product: Checking or savings account

On XX/XX/22 I realized my account at PNC bank was in a negative balance. I went to their branch in XXXX XXXX, to inquire what the problem was. There was maybe XXXX XXXX dollars taken out my account from places I never been to. XXXX eats deliveries and rides to places I don't go to. I complain to the bank they gave me credit but soon took the credits back. I went to the XXXX Police office to file a police report ( case number XXXX ). Bank statement along with the police report were submitted to PNC. which denied my complaint and refused to give me my money back. I contacted your office and submitted bank statements to confirm my complaint. It appears someone was able to get the numbers off of my atm card and order food and rides without my permission. There are over 80 fraudulent charges filed and PNC refuses to give me my money back. It has left me with several negative consequences and hardship. My bank statements have been submitted to your office along with the XXXX XXXX. police department report. My complaint # is XXXX with your bureau. I am hoping your office can help to resolve these matters and get me my money back. This is a easy fine XXXX eats pick up someone with address and delivered food to a address that is not mine. Whoever did this should not be able to get away with fraud and theft.
Product: Prepaid card

I am re-opening this dispute. I 've been trying for over 6 months to resolve this with Target. However, they have been unhelpful. 

You can see from the attached letter, that I tried for 2 months last fall to resolve this. They sent it to the wrong department. 

I just called them and tried to resolve this yet again. They told me to contact XXXX XXXX gift cards. 

However, XXXX XXXX said the money has been released to Target, and there is nothing they can do. 

I am attaching documentation of all of my loads for XX/XX/XXXX. 

As you can clearly see, I loaded {$6500.00} ; however, I was only credited for {$5000.00} XX/XX/XXXX by Target. 

Their response from last fall was that the XX/XX/XXXX load in fact loaded on XX/XX/XXXX ; however, I did an additional {$2500.00} load on XXXX. 

I 'm not disputing that the XX/XX/XXXX load posted on XX/XX/XXXX. I 'm disputing that the entire loads for the month is missing {$1500.00}. 

My documentation is provided, the numbers do not add up to the missing {$1500.00}. 

Again, I 'm only focusing on XX/XX/XXXX, not the XX/XX/XXXX statement date, which includes loads in XX/XX/XXXX. 

I am hoping I can resolve this soon. Target has been no help.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to bring to your attention a recurring issue I have been facing w

ith TransUnion regarding identity verification during login attempts and accessing annual credit reports. Every time I try to log in or access my annual credit report, TransUnion prompts me for identity verification, which leads to a dead end. Despite repeated attempts,
I am unable to proceed due to this obstacle. Additionally, when attempting to connect with chat support for assistance, I am informed that they can not access my identity verification information. 

This frustrating loop of being unable to verify my identity and access essential services from TransUnion is concerning and has hindered my ability to manage my credit information effectively. 

I urge the CFPB to investigate this matter and intervene to ensure that TransUnion addresses this issue promptly and provides a seamless process for identity verification and access to credit reports. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

This XXXX party collection agency is trying to collect on a 20 year old debt, I believe the original balance was XXXX, witch was written off by the original creditor. The XXXX party.collection agency is now trying to bully me for XXXX by calling and continuing to contact me after being put on notice verbally and by mail. I spoke to a gentleman who claimed to be the manager who got on the phone and began to try and bully me over the phone he told me the only thing he wanted to know from me was how I was going to pay the bill. He said he did n't care how old the debt was or what I was saying just needed me to pay. Told him yet again not to contact me in any way he began to laugh at me told him I was going to record call he hung up on me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed inquiries below are unauthorized inquiries that were not done by me. They are fraudulent. remove immediately XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020
Product: Credit card or prepaid card

There was a fraudulent charge on my account in XX/XX/2021. Twelve of the same items totaling over XXXX from XXXX they cancelled all but one for XXXX. I have alerts on my credit card with Bank if America and called right away. This has happened 4 times. The visa company charged on XXXX and XXXX each time I call they say they will place a stop payment with Visa and report as fraud. I have called and reported to wayfair and closed account each time. This was a charge out of NJ that they allowed them to change my address and email. When got alerts I did not change address called immediately
Product: Credit card or prepaid card

XXXX XXXX XXXX 
XXXX I made a payment in the amount of XXXX from my checking account. On XXXX the payment was posted and processed, with the funds taken from my checking account. On XXXX I reviewed my account balance online and discovered that Capitol One reversed the payment and charged me additional interest and charges.My checking account was charged, and I was not allowed access to the funds for credit purchases. As a result, I am now showing my account is past due in the amount of XXXX
Product: Debt collection

On XX/XX/23 Disputes were opened on multiple accounts being reported by Transunion. 
On XX/XX/23 I received an update copy in the mail of my credit report all disputes were not marked on my credit report as account information disputed by consumer. 
The following are the account not marked as disputed by Transunion 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  This is a violation of federal law Duty to provide notice of dispute
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022, 15 U.S.C. 1681 ( a ) ( 4 ), and 15 U.S.C. 1681b ( a ) ( 2 ). I never expressed a written or verbal consensus granting permissible purpose to publicly report the listed accounts and inquiries. 

Accounts : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion regarding an unauthorized credit inquiry listed on my credit report. The inquiry was made by XXXX XXXX on XX/XX/year>. I did not authorize this inquiry, nor have I had any interactions with XXXX XXXX that would justify them accessing my credit report. Despite disputing this unauthorized inquiry directly with TransUnion, it has not been removed from my credit report. 

TransUnion has not provided any documentation or proof from XXXX XXXX confirming my authorization of the inquiry. I believe this inquiry is in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b ( c ), which stipulates that credit reports may only be accessed by parties with a permissible purpose. As I did not authorize this inquiry, I request that TransUnion remove it from my credit report and take corrective actions to comply with the FCRA. 

What Happened? 

I noticed an unauthorized credit inquiry made by XXXX XXXX  on my credit report with TransUnion. I did not authorize this inquiry, and I have no knowledge of any agreement with XXXXXXXX XXXX that would allow them to access my credit information. I filed a dispute with TransUnion, but the inquiry remains unresolved. Despite my request for supporting documentation, TransUnion has not provided any proof that I authorized the inquiry.
Product: Checking or savings account

On XX/XX/2024 Wells Fargo Fraud department called me at XXXX XXXX asked me if I just took {$1000.00} dollars out of my bank account. I said NO, they cancelled my debit card which I had in my possession and shipped me a new card. 

On XX/XX/2024 my debit card arrived at the XXXX Location, signature required to pick it up. I got an email stating the package had been delivered at XXXX XXXX, then I got another email stating that I picked up the package at XXXX XXXX. When I went to the XXXX office on Monday XX/XX/XXXX ( which is located in XXXX ) for my package they told me " your son '' picked it up on Friday. I informed them that my son did not pick it up " he doesn't even know I have a package here, he lives XXXX miles away '', they refused to show me the video of who picked it up until the police see it. 

I went to the XXXX Police Department and filed a report Case Number # XXXX. 

On XX/XX/2024 I got a letter from Wells Fargo Fraud department stating " We have determined that you ( Meaning I ) allowed someone to take the {$1000.00} out of my bank, no further action will be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any injury and view my credit report. In addition, i did not give you XXXX, Transunion, or XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611 and you i
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ftc # XXXX Cfpb # XX/XX/year> Dear Equifax XXXX XXXX, I, XXXX XXXX, am submitting this complaint on my own behalf, without third-party representation, to address issues related to identity theft and inaccuracies in my credit report. 

Attached are a new Identity Theft Report and a Consumer Financial Protection Bureau ( CFPB ) complaint. Additionally, I am formally disputing erroneous information that has negatively impacted my credit profile and resulted in a recent denial of credit. 

Despite my efforts to improve my credit standing, Equifax continues to report inaccurate and outdated information, which has significantly harmed my creditworthiness and restricted my access to essential financial services. These errors are preventing me from securing loans, renting properties, and accessing other critical financial resources necessary for personal and economic advancement. 

I am requesting an immediate review of my credit report, correction of the inaccuracies listed below, and an update to my credit score. Given the far-reaching consequences of these errors, I trust that this matter will be handled with the urgency it requires. 

The accounts in dispute are as follows : Accounts XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} I trust that Equifax will address this matter promptly and comply with all legal obligations. Please provide a written confirmation of your investigation and resolution. Should you require any additional information, do not hesitate to contact me at the address above. 

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

Open account with XXXX XXXX  in XXXX. It is reporting 120 days late. How can you report on 120 days late when I just open the account in XXXX I am constantly this. We XXXX XXXX and they refused to report it there in violation of my rights on the USC 1681i. I feel that my report is being tampered with because they steal report information intentionally did they know its not correct
Product: Credit card or prepaid card

Back in XXXX I receive a statement from citi bank about my secured credit card. In the statement the detail stated that my account would be close for late payments. on XX/XX/XXXX I made a payment of XXXX dollar on XX/XX/XXXX the company applied my XXXX dollar security deposit to my account with made me owing only XXXX to my account. On XXXX XXXX I paid the XXXX at that time my account was at XXXX and had already been close prior to me making that payment. I no this because i called the company the same day that i made the payment to ask if i could start back using the card. I was told by representative that my account was close and at a XXXX balance and that with a secured credit card if the account go over for late payments that they would apply what ever security deposit that was put down and that they would close the account. This all happen on the XX/XX/XXXX. then on the XX/XX/XXXX. The company charged me interest and late fees on an account the was closes prior to the XX/XX/XXXX. and they are still adding late fees to this closes account. I have call them and all am getting is that i own a fee. i am not understanding have a company can change you a late fee after you paid the payment that was due and after the account was at a XXXX balance and close by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE RE-INVESTIGATE THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Product: Checking or savings account

On XX/XX/2022, I did an instant cash transfer from XXXX to Albert. Albert immediately did a negative adjustment to the account causing it to go negative for the exact amount of the instant deposit, {$770.00}. The instant deposit came through 2 days later, but the negative adjustment is still on the account causing the balance to be {$0.00} rather than {$770.00}. - Have tried to get help from support multiple times and can not get helped at all. They have no phone number to contact. Currently tried to message XXXX friends of the owner to get a response from him to help me.