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

XXXX XXXX XXXX XXXX a ads online stating that they are a model agency, looking for modeler. I contacted them and they told me to take my daughter for a photo shoot. After the photo shoot they took us to a private room and sold us a dream, about getting my XXXX yrs daughter in the modeling industry, to model for brand such as XXXX, XXXX XXXXXXXX etc. We got excited and took their {$4000.00} dollar package. At the time i paid XXXX upfront and signed a receipt, and paid the rest within the course of 4 months. The sale representive XXXX XXXX told me that they would mail out all physical goods along with a port folio, XXXX card and contract with all the necessary stuff a newly modeler requires. After i finished paid i contacted XXXX for my shipping tracking information they told me that all the goods will be send digital because of covid they have changed their policy. I told the representative that i paid for physical goods and that I'm awaiting for my goods in the mail. I gave them up to XXXX week nothing came in the mail. I called them and requested a refund they refused and disconnected the phone calls, i called numerous of times no one pick up the phone. I contacted my bank XXXX XXXXXXXX and explained to them what happened and they reversed the transaction and labeled it as fraud. This company is a scam with a lot of bad reviews, i reported this company to the FTC. I never signed a contract with this company. I signed a receipt when i made the payment, and they took my signature and pasted it on a contract. If a consumer signed their signature, it won't reflect in the same form. Every time a person writes, it will look different. If you look on their contract that they have sent to the credit bureau my signature is the same on every page. Its not accurate they copy amd paste my signature on all their forms, it fraud to paste someone signature on a contract without their consent. I never received any calls from Monterey Collection services to verify my information. I did not gave XXXX XXXX / monterey collection my social security number. I want to know how did they access my social security without my consent. At the time of payment i used my debit card ending in XXXX. I reached out to XXXX XXXX XXXX numerous of time to disputed monterey collection off my credit report and they did nothing about the matter. XXXX deleted monterey off my credit report. XXXX are the only bureau allowing monterey to ruined my credit. XXXX XXXX XXXX has a high rate of scam complaints XXXX XXXX XXXX XXXX  every review on XXXX is stating that the company is a scam, they need to get shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a a letter from United States bankruptcy Court stating they do not give out info to anyone to verify a bankruptcy and for that reason alone the bankruptcy reported to all three of my credit bureaus needs to be deleted
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 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  Balance Owed : {$270.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Equifax regarding unauthorized credit inquiries that have appeared on my credit report. After reviewing my recent report, I identified several inquiries that I did not authorize and have no knowledge of. Despite contacting Equifax to resolve this matter, these inquiries remain on my report, causing significant frustration. The unauthorized inquiries in question are as follows : Disputed Inquiry : 1. XXXX  - XX/XX/XXXX 2. XXXX - XX/XX/XXXX 3. XXXX  - XX/XX/XXXX 4. XXXX XXXX XXXX - XX/XX/XXXX 5. XXXX  - XX/XX/XXXX 6. XXXX  - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX - XX/XX/XXXX Attached to this complaint is an Identity Theft Report FTC Report Number : XXXX filed with the Federal Trade Commission ( FTC ). This report, along with the corresponding case number, supports my claim regarding the unauthorized credit inquiries on my credit report. I kindly request that the necessary steps be taken to address this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 
I appreciate your prompt attention and review of this document as part of the investigation. I believe Equifax has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove these inquiries from my credit report, even after I brought the issue to their attention.

The sections of the FCRA that support my claim are : Section 611 ( 15 U.S.C. 1681i ), which outlines my right to dispute inaccurate or incomplete information. I have disputed these inquiries, but Equifax has not conducted a satisfactory investigation. Section 609 ( 15 U.S.C. 1681g ), which grants me the right to access my file. Upon reviewing this information, I confirmed that I never authorized these inquiries.

Section 604 ( 15 U.S.C. 1681b ), which details the permissible purposes for credit report inquiries. I did not give consent for these inquiries, and Equifax has not provided evidence of a valid reason for them. Despite my efforts to resolve this directly with Equifax, these unauthorized inquiries continue to negatively impact my credit report. I request that the CFPB intervene to ensure Equifax fulfills its legal obligations under the FCRA by removing the unauthorized inquiries and providing me with an updated credit report. I appreciate your prompt attention to this matter, and I am happy to provide any additional information needed for your investigation. 
Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA
Product: Checking or savings account

I am a service-disabled veteran. In XX/XX/2023, I opened a Turist Simple business checking account with Truist Bank for my vending machine company - named " XXXX XXXX XXXX XXXX  ''. It is a small business and I only have XXXX vending machines. 

I opened the account with a {$500.00} deposit on XXXX and another {$110.00} deposit on XX/XX/2023. Since that time, I had only made a few very small withdrawals of approximately {$10.00} per month ( or less ) to pay a commission to the business where the machines were located. I also deposited another {$100.00} in XX/XX/2023. 

On XX/XX/2023, I visited the Truist Branch to make a {$200.00} deposit. At that time, I asked for a balance on my account. I was then informed, by the teller, that I had a balance of {$2.00}. I was very surprised. He then proceeded to tell me that there were XXXX withdrawals made against my account in XX/XX/2023 by a company online, XXXX. On XX/XX/2023, a withdrawal of {$290.00} and on XX/XX/2023, a withdrawal of {$390.00}. Total : {$690.00}. Neither of the withdrawals were authorized by me. 

I immediately filed a Fraud Claim # XXXX with the Truist Fraud Department , on XX/XX/XXXX, the day I became aware of the unauthorized withdrawal. I also immediately contacted the Police Department for XXXX XXXX XXXX, Virginia and filed a Police Report # XXXX on XX/XX/2023. 

On XX/XX/XXXX, I made a follow-up call to Truist to inquire about the status of my Claim # XXXX and I was told by the Fraud Department that the Claim was denied because the bank has a policy that the claim must be filed within 30 days of the Fraud being committed. I immediately asked for the decision to be revisited and elevated to a higher level. Because I was not aware of the Fraud to my account until XX/XX/2023, I was told by Truist that NO investigation was conducted - only a determination made because of the Truist XXXX notification policy. I also contacted the company XXXX, on XX/XX/2023, via email to report the XXXX and request that my money be returned/refunded, as it was unauthorized. 

I am requesting your assistance in getting Truis Bank to conduct an investigation, recover my funds- {$690.00} and return my money back to my account.
Product: Credit card or prepaid card

Account status, despite being paid in full, has not been reported since XX/XX/2022. Despite several attempts to remedy this, Comenity agents are reluctant to provide clear information, and instead give vague blocks of time as to when they will do their due diligence. " Within XXXX billing periods '' when this has been going on for XXXX  months is wholly inappropriate and unacceptable.
Product: Debt collection

I called KLS Financial approximately two weeks ago. I ask them to verify the debt and why I didn't receive anything in the mail? The lady couldn't answer the questions. I got off the phone and call back thinking that I would talk to another agent, but the same lady kept answering the phone. I was told that I had to pay they will decide if they will take it off of my report. I refuse to pay for something that will not be verified, the lady being rude. It is showing twice on the reports and two different amounts.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against First Progress regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken the appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach- Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 

On XX/XX/year> I notified First Progress that I am opting out of any and all authorizations, written, non-written verbal or non-verbal for the sharing of my nonpublic personal information with non-affiliated XXXX parties, including consumer reporting agencies for any purpose other than those necessary to provide me with financial products of services.

I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documentation of my communication with First Progress.

Despite my efforts to request an opt out and me asserting my rights under GLBA, I have reason to believe that First Progress has continued to furnish my non public personal information to nonaffiliated 3rd parties and consumer reporting agencies without my consent.

The unauthorized use of my personal information constitutes a violation of my privacy rights and breach of federal law. I am concerned about the potential consequences of this unathorized sharing, including the potential for identity theft, fraud, and other financial harm.

I would appreciate it if the CFPB can investigate this matter thoroughly and take appropriate action to ensure that First Progress complies with all federal regulations and laws, including the GLBA to protect privacy and security of consumers like me.

I would also appreciate updates on the progress of this investigation and actions taken to address the violations committed by First Progress. 

Please feel free to contact me at XXXX or email me at XXXX if you require any further information or documents to proceed with the investigation. 

see enclosed letter sent to the Creditor- First Progress
Product: Credit card or prepaid card

Letters dated XX/XX/2022 and XX/XX/2022 from Bank of America stated that I applied for a Bank of America XXXX XXXX XXXX XXXX XXXX card. I did not apply for this card. The letters request that I remove the freeze that I have place on my credit report. I did reach out to Bank of America and informed them that I did not apply for this card. This is not the first time that this has happened to me and it is very concerning.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I am unaware of them, and they were made by the company without my approval.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I received the response from XXXX concerning Consumer Financial Protection Bureau XXXX XXXX XXXX however, there is inaccuracies in the information provided in the report. Open date : Last purchase date : Last payment date : Charge off date : Balance : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$530.00}. I never applied for this card, never lived at this address I had my identity compromised along with this stated piece of information that is crucial in the document they provided. " Monthly billing statements were mailed to the address on file for your account at the time of mailing. We have no record of the statements being returned to us as undeliverable, until XX/XX/XXXX. '' They found out on XX/XX/XXXX that they had no record of it being returned to them as undeliverable until that time however, I never even applied for the card and they don't have proof of that. Neither do they have proof of purchases on my behalf as soon as the account was opened it charged-off and if you look at my credit I have never missed a payment or ever had a bad account in which this provides enough proof that this isn't mine. I would like the CFPB 's help in dealing with this creditor in which they are reporting falsified information on my Experian credit report.
Product: Debt collection

I 've contacted Nair and Levin about a debt they state I owe. I requested from them in writing several times verification of the debt and which they failed to provide. My most recent one was after I sent them a letter stating that I would like verification and this time I faxed it over and still did n't receive a response from the debt collector. The debt collector has violated the fdcp by not validating the debt. If this matter is n't resolved I will file a federal lawsuit. I 've ask for validations to be sent in the mail, verbally, by mail and by fax. This was not done, therefore the debt is not collectible. I have also filed various other complaints regarding the business.
Product: Mortgage

Wells Fargo Home Mortgage : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX I recently, 2 months ago received info regarding my mortgage will reset in XX/XX/XXXX as it was a 7 year year ARM.! This has totally caught me off guard as i have never asked for an ARM type of mortgage! My monthly payment will go from {$1700.00} to over {$2200.00} and possibly as high as {$2700.00}! I never asked for this type of mortgage back in XX/XX/XXXX as it was a replacement for an ARM that i already had with another company. I specifically asked for fixed rate as i mentioned and stressed to them that I retiring in 2 years which i did in XXXX. Made numerous call but with no progress. Please see below latest interaction event with them 1. Contacted XXXX XXXX XXXX XXXX in XX/XX/XXXX, she recommended do nothing and wait until XX/XX/XXXX. 
XXXX. Contacted Home Mortgage Main Office in XXXX XXXX in XX/XX/XXXX ( XXXX ) XXXX talked to a rep, then transffered to another Customer Service. Later on she checked with a third department telling me, I have to wait until the increase the payment, then call a department Home Preservation Tel # XXXX they can work on it. Well Fargo wanted me to wait and had no interest in resolving the issue in advance! 

Background relevant Information 1. Loan was taken on XX/XX/XXXX for $ XXXX to replace an ARM loan with XXXX which I was paying {$1100.00} interest only per month. ( Interest rate was 3.3 % ) XXXX. There were no equity taken and the ratio of the loan to the house value was about 60 % way below what they were looking for to secure the loan. 
3. My Current fixed mortgage payment with Wells Fargo is {$1700.00} per month ( Principal & Interest at interest rate of 3.5 % ) 4. I Was told that no house appraisal will be needed due to the very high equity on the house and I am not taking any money out of the refinance. Wells Fargo bank changed this and I was forced to pay for their appraisal. 
XXXX. I have requested XXXX line of credit with the loan and it was verbally approved, but later on found out I was misled and it is only XXXX! 
XXXX. I have requested and made it clear I wanted a Fixed Interest Loan for the following reason : A. I will be retiring with 2 years. 
XXXX I am replacing an ARM type of loan and it did not make any sense to pay all the fees and do another refinance later on. 
XXXX I also had another ARM type of loan from Wells Fargo on a different property and the payment kept on increasing every year and eventually I had to sell the property I feel i was misled and lied on by Wells Fargo whom i rusted and banked with over 37 years!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX DOB : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : HARD INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your assistance Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I checked my free Experian account 's supposed up to date XXXX XXXX online that states as of XX/XX/XXXX, my XXXX XXXX is XXXX. After confirming my score, I then went to XXXX XXXX in XXXX XXXX, Colorado to secure an auto lease of a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. When I gave XXXX permission to pull my credit report and score for approval from Experian, the information came back as my credit score being XXXX, which is XXXX points lower than my credit score is being reported to me. 

I left XXXX and immediately contacted Experian. I spoke to and was transferred to several specialists that confirmed that my XXXX XXXX is and has been XXXX for some time. I was transferred to someone in membership services and explained my concern with the inaccuracy of my credit score through them. I was told that I should have showed XXXX my credit score from my online account rather than having them pull my credit score from Experian, I have never heard of that being a procedure for any other credit inquiry. I was then told that XXXX creates its own score from its own criteria after they pull from a credit reporting agency and that's why the scores are different. I asked if that means that this inaccuracy is XXXX 's problem and they said yes. I then immediately called XXXX to verify if this is true and they assured me that that is not their procedure and not how they do business. 

Therefore I have come to the conclusion that Experian is discriminating by misrepresenting and reporting inaccurate information from my credit report which led to XXXX 's adverse action to deny me the auto lease. This is to my detriment and impairing my ability to do business as a consumer, and violates XXXX XXXX. XXXX ( b ) for Experian, a credit reporting agency, to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''
Product: Debt collection

The creditor told me they have a snap shot of my credit and it looks pretty good, that they 'd hate to damage it, then told me I had a bad attitude and he would n't speak to me and hung up.
Product: Student loan

I requested deferment from XXXX, my loan servicer, through my graduate school, the XXXX XXXX XXXX at XXXX XXXX. I knew I was graduating in XX/XX/XXXX, and requested multiple times to be placed off of deferment ( there are records of this ), in XXXX and XXXX ( XXXX I believe based on attached form ). I called and spoke to representatives asking what I was to do to avoid capitalization of my loans and the best thing to do with my interest since XX/XX/XXXX ( I ended up just paying the outstanding portion of my interest in case ). The problem then became that, I was stuck in deferment from the months of XX/XX/XXXX toXX/XX/XXXX which was AFTER I graduated. I then requested again out of deferment, and signed a deferment waiver form, in XX/XX/XXXX, to be placed out of deferment. Oddly enough, the XXXX XXXX XXXX finally fixed my enrollment status and reported it to XXXX. Little did I know I was charged {$180.00} in capitalized interest, with NO notice whatsoever, based on the interest that should have been accruing during those two to three months. They stated this was a " forbearance '' and there was nothing they could do about it. 

My point is A ) My school and the loan company knew full well this would happen, and told me nothing about it in writing or online communication and B ) I received no notice about the late money. C ) Finally I was unaware, and STILL am, of how I could have, or done anything to prevent that {$180.00} from capitalizing, and ending my deferment any sooner. In other words, because of another person 's mistake, I am charged {$180.00} ( this is obviously not about being " fair, '' it's about allocation of interest and where it should go. ). I have never been in default and always pay my loans on time. In fact I've paid down my first loan already. So paying extra interest which was was unknown to me is startling and an unfair business practice. 

Please see attached forms, as I was in repayment not only in XXXX, but also in XXXX, as seen in the form.