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

NOT AUTHORIZE INQUIRY TRANSUNION XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX, FL XXXX XXXX  XX/XX/XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Company : XXXX XXXX XXXXXXXX, Experian, XXXX Product : Credit Card Sub-product : Secured credit card Issue : Incorrect information on your credit report Sub-issue : Information belongs to someone else or is inaccurate What happened ( full narrative ) : I am filing this complaint against XXXX XXXX regarding two secured credit card accounts that I opened and that were both closed by XXXX XXXX in early XXXX. Despite responsible usage and full refunds of my security deposits, XXXX XXXX has reported inaccurate late payments and improperly charged fees and interest after the accounts were closed. 

Account 1 XXXX XXXX XXXX  Secured Card ending in XXXX Opened XX/XX/XXXX and closed by XXXX XXXX  on XX/XX/XXXX. 
Security deposit of {$200.00} was refunded on XX/XX/XXXX, confirming I had no balance due. 
Despite the closure and full refund, XXXX XXXX continued to report late payments and apply charges that led to a false balance. 
Disputed charges : {$25.00} XXXXturned ACH Fee on XX/XX/XXXX, due to AutoPay being active after closure. 
{$25.00} Past Due Fee on XX/XX/XXXX, despite no missed payments. 
{$25.00} Past Due Fee again on XX/XX/XXXX, two months after closure. 
{$0.00} and {$0.00} in interest charged on the above fees in XXXX and XX/XX/XXXXXXXX XXXX 
On XX/XX/XXXXXXXX XXXX I contacted XXXX XXXX after receiving a statement showing a balance of {$51.00}, made up entirely of these improper post-closure fees. Although I knew the charges were invalid, I paid the balance in good faith to prevent further credit damage. I am requesting a full refund of {$100.00} for these charges ( fees + interest + my payment ). 

Account 2 XXXX XXXX XXXXXXXX Secured Card ending in XXXX This account was also closed by XXXXl XXXX. I received a full {$200.00} security deposit refund on XX/XX/XXXXXXXX 
The XX/XX/XXXX statement showed a credit balance of {$200.00}, with no fees, interest, or past due balance. 
Despite this, the account is still showing on my credit report, and I am unsure if XXXX XXXX is reporting any negative history. I request that no derogatory or inaccurate marks be associated with this account. 
Requested Resolution : Immediate correction of all false reporting related to both accounts. 
Removal of all incorrect late payments, fees, and interest charges from my credit history. 
Refund of {$100.00} for charges associated with account ending in XXXX. 
Ensure no derogatory reporting is applied to account ending in XXXX. 
I have attached supporting statements and payment confirmation, and I am requesting a formal investigation under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I couldnt believe my eyes when I saw inaccurate accounts listed on my credit report today. I have no idea where they came from. Ive always checked my credit regularly without any issues, but this time, something was seriously wrong. Even after refreshing my browser multiple times, nothing changed! Im requesting a thorough review of my documents so that I never have to face this kind of frustration again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act 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 Acts Has Violated My Rights. 

15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a Consumer Reporting Agency can not Furnish a account without my Written Instructions.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Information on Credit Reports XXXX XXXX XXXX. 
I am filing a complaint against XXXX, XXXX, and TransUnion due to inaccurate information reported on my credit reports regarding an account from XXXX XXXX XXXX. Below are the details of the discrepancies : XXXX. Account Number Discrepancies : XXXX is reporting a different account number for this account than what is shown in XXXX and TransUnion reports. 
XXXX. Account Open Date Discrepancies : TransUnion reports a different account open date compared to XXXX and XXXX. 
XXXX. Late Payment Reporting Discrepancies : XXXX reports XXXX late payments, while TransUnion and XXXX report XXXX for the same account. 
These discrepancies are violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( a ) ( b ), which requires credit reporting agencies to ensure maximum accuracy. Under 15 USC 1681n, each willful violation is subject to a {$500.00} fine. Additionally, 15 USC 1681o holds agencies liable for negligent noncompliance, and 15 USC 1681s-2 outlines the duties of furnishers to provide accurate information. These inaccuracies also breach the Privacy Act of 1974 ( 5 USC 552 ( a ) ( e ) ( iii ) ), which mandates compliance with U.S. laws regarding consumer credit information. 
I request that the CFPB investigate these inaccuracies and ensure the immediate removal of this incorrect trade line from my reports with all three bureaus. I also request enforcement of fines of at least {$500.00} per violation, totaling {$1500.00} for the XXXX violations noted. 
Please provide a response detailing the actions taken to correct these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX I submitted a request for payoff of my Regions mortgage. I received a confirmation and was informed I was good to go with my home sell. My home sell was scheduled for end of XXXX and was pushed back to XX/XX/2021 due to errors presented by the buyers lendor. I began receiving debt collection calls from regions and informed them OVER and OVER again that I had a payoff scheduled with them and that if I needed to make the payment for XXXX, then I would. I was informed by the regions customer support that it was not necessary since I was in the middle of a close-out so I didnt think anything of it until the phone calls kept coming and kept coming and each time I had to inform a new individual of the SAME information I told the previous 5 employees. Each said the same thing and told me not to worry about any more phone calls yet I did receive them. Now my home is sold, the loan is paid as I explained to Regions OVER and OVER again, and now I have a delinquent payment on my credit. I demand this be removed or I my attorney will be the next to handle this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry was made on my credit report today, XX/XX/2021. 

It was made by a government agency - US SM BUS ADMIN ODA I am concerned about fraud involving applications in my name perhaps for SBA loans and COVID disaster relief.

I DIS NOT APPLY for COVID relief or any other SBA loan or program. I AM ATTEMPTING TO contact the SBA and report the fraud, as well as disputing the hard inquiry.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ), I am formally requesting detailed information regarding the method used to investigate the disputed information on my consumer report.

I previously submitted a dispute concerning an inaccurate accounts that has been reported on my file. As part of your legal obligation, you are required to conduct a reasonable investigation and, upon request, disclose the precise method used to verify the information. Therefore, I demand the following : A comprehensive description of the procedures, sources, and contacts used in your investigation.

The name, address, and contact details of the entities that provided verification.

Copies of any documentation relied upon to validate the disputed account.

Failure to provide this information within the required timeframe may result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing any available legal remedies. 

I expect a written response within the legally mandated 15 days as required under the FCRA. Please consider this letter a formal request for compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Credit Bureau Name : TRANSUNION Bureau Address : XXXX XXXX XXXX, XXXX, PA XXXX. 

I Need These list of Incorrect/Misspelled Addresses Removed & Deleted off my Report Because they Are Inaccurate! 

INCORRECT ADDRESSES 1. ) XXXX XXXX XXXX XXXX, NC, XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX Thank you. 
Sincerely, XXXX XXXX
Product: Debt collection

I was emailed a fake collection email on a debt that I do not owe. Here is the email they sent me : Case File No : XXXX Total Outstanding : {$980.00} Loan Company : ACS/ACE CASH SERVICES Dear Debtor, As we put your Social Security Number into our National Checking Database System, we found that you have been never charged for a fraud activity & that 's the reason Court House has decided to give you a chance to take care of this issue outside the Court without having a report on your Credit History and Social Security Number. 

If you want to take care of this issue than you have to pay an out of Court Restitution Amount which includes the late payment charges, penalty charges, interest rate on the loan amount which is $ XXXX.We regret that if we do not receive your response within the next 24 hours, we shall have no alternative but to take an action through your local County Courthouse to recover the amount due together with court costs and legal fees which cost approximately {$3200.00} AS YOU ARE A DEFAULTER ON THIS CREDIT XXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION If Court action is taken and Judgment / Decree obtained against you to recover the sum due, we may need to ask the court to make one of the following orders should the debt remain unpaid : - Warrant of Execution ( Exceptional Attachment Order ). Seizure and sale of movable non-essential assets / property by a County Court Bailiff or Sheriff Officer Attachment of Earnings base ( Earnings Arrestment ). Deduction from your wages by your employer or arrestment of part of your salary to satisfy the debt The Factual Basis for the complaints is as follows : - You agreed to return the funds from the aforementioned income advancement as per contract. 

And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value. 

At present, ACS INC is seeking either of the following remedies : - All funds to be returned as per terms of initial contract If you have recently settled this account, please contact us immediately to avoid further action. Otherwise, payment options are set out overleaf or alternatively call us or email us right now to pay or agree to a payment plan with us. 

AGAIN IF YOU WANT TO RESOLVE THIS MATTER THAN CONTACT US IMMEDIATELY THRU AN EMAIL OR CALL US : XXXX. 

NOTE : THIS CASE IS UNDER INVESTIGATION UNDER MAJOR CREDIT BUREAUS. 


Yours sincerely Collections & Legal Department ACS LEGAL | Privacy | Terms of use Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, transmission, dissemination to unauthorized persons or other use of the original message and any attachments are strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.
Product: Student loan

And XXXX University, XXXX XXXX SC. I have no faith that when I call in to a for profit making company that they are representing the facts when they tell me I am not eligible for for a government benefit that would reduce my payment or retire my loan early as they ( Navient ) would have no interest in telling the truth. This would reduce their profit and go directly against their stockholders and fiduciary duty to provide maximum return for their company ... how is this duplicity reconciled? I do n't think it is, they rip me off when I call in and ask for help.
Product: Credit reporting or other personal consumer reports

DEAR CFPB, I am having issues working with XXXX of the credit bureaus to update my credit information. I went through a XX/XX/XXXX and paid all my debts. Now I hired a credit repair company to assist me to correct inaccurate information on my XXXX and Equifax reports. XXXX XXXX fixed the issues I want to fix. The other XXXX companies are playing games with me. I have written XXXX letters to Equifax, for example. I ( with the assistance XXXX XXXX XXXX XXXX ) have followed the credit bureaus instructions exactly. Nevertheless they keep telling me that I have not proven my identity. 

I have sent them my social security number and card, driver 's license, proof of address with utility bills, and my date of birth. 

Even though I resent the documents 5 times, I keep getting the same letter that I have not proven my identity. It is false, misleading and a misrepresentation and they should be held accountable for how they are pretending that I have not sent proof of my identity. 

I can provide copies of all of the dated copies of the letters from Equifax. 

I sent everything return receipt requested and I have all of my post office receipts with their signature. 

Equifax 's conduct has been illegal, deceptive and egregious! 

Can you please help me? I do not know how to hold them accountable without your help. 

Respectfully, XXXX XXXX XXXX
Product: Debt collection

A company named XXXX keeps calling my phone and hanging up. 

XXXX XXXX XXXX XXXX After receiving 5-6 phone calls from them in a row, I called back. 

They claim to be collecting a debt for my wife, but they have no documentation, I see nothing on her credit report ... Any attempt to get them to prove she owes the debt are met with threats of lawsuits. 

We just bought a house, we have no collection, no judgements. 

I am tired of being harassed for a debt I do not owe.
Product: Credit reporting or other personal consumer reports

I have XXXX closed accounts on my credit report and I want them deleted off my credit report. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding a hard inquiry on my credit report from your institution related to an auto loan application initiated on XX/XX/year>, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

While I visited the dealership and provided my personal information ( drivers license, Social Security Number, and date of birth ), I was not made fully aware of the impact of these actions on my credit report. I did sign a credit application, but I did not explicitly authorize a hard inquiry from your institution, nor was I informed that multiple inquiries might result. 

The key points of concern are as follows : LACK OF FULL DISCLOSURE : I was not informed that submitting my personal information would result in a hard inquiry from your institution. 
The dealership did not explain the potential negative impact on my credit score caused by these actions. 
DENIED APPLICATION AND UNNECESSARY IMPACT : The credit application was ultimately denied, meaning the hard inquiry served no useful purpose. The continued presence of this inquiry on my credit report is unwarranted and unnecessarily detrimental. 
EXCESSIVE AND UNFAIR PRACTICES : My credit report reflects 21 hard inquiries related to this single event, which significantly impacts my credit score. 
As a stay-at-home parent with responsibilities for providing necessities for my family, this unnecessary credit damage severely hinders my ability to secure credit for important purchases or to conduct essential business activities. 
Failure to Consolidate Inquiries : Credit scoring models typically consolidate multiple inquiries for the same type of loan made within a short period ( e.g., 1445 days ). However, the lenders involved in this process have failed to ensure that these inquiries were consolidated, amplifying the negative impact on my credit. 
GOOD FAITH EFFORTS TO RESOLVE : I am attempting to operate in good faith and obtain a resolution that reflects fairness and transparency. Despite my efforts to contact your institution and others involved, I have been unable to secure a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting the accuracy of my 12 student loans that have been out of default sine last year of XX/XX/XXXX where i did a rehabilitation program with XXXX and all of my loans have been out of default and paid as agreed with a zero balance as i have also consolidated all of the 12 loans into 1 loan! I sent a email to the CEO of XXXX and got a email back from one of his workers! XXXX XXXX! she informed me that i did in fact have them as my servicer as the original bank XXXX sold it to them back in XX/XX/XXXX! Now in XX/XX/XXXX i had lost my job and apartment so I never received the mail and or the welcome letter that XXXX stated that they infect sent out! Well today she emailed me a letter saying they could not removed the payment status of XXXX past due as that event happened before i rehabbed my loans although XXXX the ORIGINAL bank has done so once i completed my program, but yet XXXX XXXX is saying they can NOT! In the welcome letter that XXXX XXXX sent me it Clearly states that XXXX sold them only 3 of the 12 loans! Which i still never received that letter, she emailed it to me today to show they had a letter but there was no proof to show it was actually mailed out but i would not have gotten it as I was not living at that address. It shows that these loans are supposed to fall of my report next year XX/XX/XXXX! but these 12 accounts that are not even theirs are showing 120 days past due is making it hard for me to get a home. I sent a goodwill letter and have had no luck! But with the information I have they only brought 3 of the 12 loans.
Product: Credit reporting or other personal consumer reports

Recently I was looking at my credit report and noticed unauthorized inquiries, please remove the following inquiries as I did not authorize them. 

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

Hello, I am formally writing in regards to a situation Ive experienced a few times with using Zelle. Currently have XXXXXXXX XXXX XXXX XXXXXXXX XXXX, which is used to pay my bills or send Zelle to people. 
The first time Ive ever had an issue with Zelle, in XXXX of XXXX  I was attempting to pay my phone bill ( {$150.00} ). Some companies offer discount if you use Zelle or other forms on non check payments so I always used Zelle when possible. This time I had accidentally sent {$1500.00} instead of {$150.00}. Not sure if this was a manual or mechanical error, I contacted XXXX XXXX immediately. Of course, they were not able to provide any help other than telling me it would be impossible to reverse any funds or track any of the tractions. It was an extreme run around for months with the phone company/bank trying to get them to send me a check with the left over balance. They werent able to help either and I was left basically {$1300.00} something out of pocket. 

Another situation was only for {$20.00}, this was a XXXX XXXX meet up. My addresses was given to the other party, we met at my house, the person said to pay him the money and he would give me the item in paying for. I sent him the money and hes still sitting in his car. Closes his door, locks it and then drives off without giving me the item. This was the XXXX situation to ever happen but I did not contact Zelle in regards to this. As they were no help before. 

This was NOT the first time Ive had an issue, before they never used to ask permission before sending payments. I have many many contacts in my phone, a lot of people with the same name. There is a few of my friends who also got new phones/numbers without mentioning it. They had gotten a new phone number but unbeknownst to me I had not changed it in my phone. When there is no confirmation to send money, I didnt even realise I was sending the money to a person I didnt know. There was no warming or anything to stop me, I had send {$75.00} for food and gas I believe. After waiting and shortly realsing it was his old number and someone else has gotten the money. Texting and calling that number after it was sent out, was told to kick rocks and theyre keeping the money. ( Person who received money ) This point, despite using Zelle numerous times and reporting my issues to all companies involved. Zelle and my financial institution both failed to investigate or adequately look further into my claims. Again reminding me that recovering these lost funds was impossible. This is something that really needs to be looked into, a better system to stop this from further happening. Its a serious consumer safety concern and negligence from all companies involved. Leaving space for this to keep happening and more victims. Zelle had a lack of accountability and is neglecting their power as a company. Saying everything is the consumers fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not able to modify my previously complaint so In order to submit new documentation received in the mail, I had to resubmit a whole new complaint. I've been trying to get XXXX XXXX XXXX to remove their account off my credit report and have disputed with Experian several times since XXXX of this year ( 2019 ), but I may need to dispute with XXXX directly. XXXX sold my account to a collections agency ( XXXX XXXX ) and the collections agency had taken me to court in which I won the case. Since I won the case, this credit card/Collections agency should be removed off my account. It is still reporting as late payments which is having a tremendous effect on my score. Of course, XXXX XXXX submitted the wrong index number on all their documents to mislead me, but upon filing my information with the court they were able to locate the case and I was mailed proof of dismissal of the case. I've sent this documentation to Experian weeks ago and it's still on my report. XXXX and XXXX were kind enough to send me a letter of dismissal as well, but NO ONE wants to remove this from my credit report.