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

I am filing this complaint to TRANSUNION for not taking actions of these unauthorized inquiries reporting in my credit reports. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00}. 
I have contacted these companies and these actions were initiated without any proof of the companies reporting. These inquiries are not factual since I never authorized them. I have attached the FTC report with the report number XXXX to support this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed a debt management plan on XX/XX/2020. I was told by XXXX XXXX XXXX that I would have to postpone any payments due, or notify the creditors that I was entering into a DMP. That by law, as long as they agreed to my payment amount they could not report me as late or charge any late fees to my account. 

I spoke with someone at each creditor or moved my payment date. Every agreed upon payment has been faithfully made. Not a day late. 

However, certain creditors have reported me late. I have filed disputes with the bureaus which are all well past the 30 day time frame. I spoke with both Commenity bank and XXXX XXXX which both told me they do not see anything past due in their system. 

I am trying to take out a loan to provide for my XXXX kids during this time. This is killing me and something needs to be done.
Product: Mortgage

Mr. Cooper seems to use punitive practices if bankruptcy/complaints are filed against them. 

I am requesting assistance is a ledger for the mortgage provider detailing all property inspections for the life of the mortgage, at a minimal since XX/XX/2016 XXXX XXXX filing date. 

The mortgage provider has used sending a property inspector to my property on a monthly bases. This type of action should be harassment as XXXX XXXX bankruptcy provides a stay and at any time the attorney/trustee could have been contacted to acknowledge the property was occupied.
Product: Credit card or prepaid card

In XXXX I called chase and filed a dispute against XXXX XXXX XXXX. They answered the charge was too long ago in writing. Then asked for more info which I sent. They recently sent me another letter and it said claim closed, notifying other credit cards. I was so upset I tossed that 1. Thought I had no recourse. 
I texted them through my account 3 days ago and asked them to reconsider and just to try to back charge the company.. Hoping they would answer same way, more paper trail. But they called yesterday and the answer is NO. 
The charge is for {$7.00}, XXXX. It was made " XX/XX/XXXX '' but XXXX ( time of services ) IS " XX/XX/XXXX '' this year! I put $ deposit another {$200.00}. On A different credit card and have not tried to collect yet. 
I also have Travel ins. Through this credit card. I spoke to them also in XXXX and they say insolvemcy Not covered. The ins. Lady Said she shouldn't tell me this but stick to date of services. I did/have. I called back spoke to a manager got no where! My claim number is XXXX. I am also attaching 2 only paper trails I do have. They never added the amount back to my account as it says in 1 letter either Thank you XXXX XXXX ( aka XXXX ) XXXX XXXX XXXX XXXX
Product: Debt collection

First I was receiving automated messages with no file number. Then I started receiving calls from someone identifying herself " Miss XXXX '' keeps calling. She has called at least 20 times over the past few months. At first, the calls were coming from " XXXX XXXX '' XXXX. I answered a call about a month ago, told her I recognized this to be a scam and to stop calling me. The calls have continued. Then today she called and left a message from a " Private number ''. The message i received was as follows " Good morning mr **, ** sir, this is XXXX XXXX from global international calling to notify you mr ** that they are in the process of pulling files from us, your file is one of them please sir return my call today upon receipt of my message. your case is already prequalified for forgiveness **, mr ** my direct number in my office is XXXX please sir ask for XXXX.I 'll be able to assist you. mr ***, ** sir, when you call mr ** sir, please have your case number ready. have please reference your case number XXXX that's XXXX. XXXX mr **, ** sir, if i am unsuccessful to contact you, they are going to pull this case from me, they have the proper protocol to try serve you at your residence or even place of employment please mr ** return my phone call. my number is XXXX and please sir, ask for miss XXXX. thank you ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of Accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reference # XXXX XXXX Reference # XXXX 15 U.S.C. 1681 Section 602 A States I have a 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No Consumer Reporting Agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions which antedates the report more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information with actual knowledge of errors.

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( a ) ( 1 ) ( B ) Reporting Information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX RATE GENIUS XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry and demand that you contact XXXX XXXX immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Bank account or service

While overseas during the month of XXXX and XXXX 2016 and had prepared to use my ATM card held at WF and had successfully made withdraws, such as on XXXX/XXXX/16. Some days later, XXXX/XXXX/16 I went to the same location and attempted to withdraw funds and was given an error message. I went to another ATM ( different Bank ) and got the same error. I then call WF customer service and confirm that funds was available and told her of the error message, to which she suggest that I make sure I select SV. I agreed and told her that I have made successful withdraw before and well aware of options.I tried XXXX other ATMs and still received same error message and placed XXXX more calls to WF, where I was treated with disrespect and horrible customer service. At no time did the agents tried to resolve issue, but instead stress that the account is not being linked. Frustrated on the last call the agent was so rude I asked for a supervisor to which he told me NO! 
I was left cashless, hungry and embarrassed because I had not funds to pay for a surprise cake for my mothers birthday. On top of this I was hit with numerous fees ( multiple in XXXX day ) as " excessive ''.
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. 

XXXX XXXX XXXX XX/XX/year>
Product: Payday loan, title loan, or personal loan

Hello, I am filing this complaint because I am at a lost for words. As a XXXX owned business it is 100 % times harder for us to receive funding and support when it comes to getting financings and loans to open a business. 

I opened a line of credit last year with Wells Fargo to expand our company and open a new retail location. Since opening the account, we have maintained our monthly payment and has continued to pay the balance down up until a recent charge on the account. 

All of a sudden my account is closed with no explanation. I called the bank and they said I was a high risk and that's all that they can say. I don't understand how all of a sudden when a business is trying to take off from the ground that they are a high risk? 

Being XXXX is a high risk? Wanting to create a life for your family is a high risk? What did I do wrong with Wells Fargo to deserve this? 

I have a checking, a credit card and then a line of credit and now its closed with no reasoning as to why? I hope this issue hits every small business owner around the world so they know how Wells Fargo feels about small woman owned XXXX businesses, how they will pull the plug on them at any given moment for no reason at all. 

Because I'm a high risk? 

This isn't fair, this isn't right
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XX/XX/XXXXAccount Number : XXXX please update all late payments, all payments was made on time 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 

XX/XX/XXXX account # XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Debt collection

This date was disputed and removed from my credit report when it was held by XXXX XXXX XXXX. And then they sold the debt after removing it from my credit report. To elevate LLC
Product: Debt collection

A second creditor ( Franklin Collection a service ) is trying to collect a debt from XXXX disputed this account over a year ago and was removed from previous collection agency. This account does not belong to me, after investigation, it was determined this service was at an address I had never lived.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've previously disputed inaccurate accounts with Equifax several times over the past 7 months via USPS certified mail. While some items were corrected some items still remain inaccurate. I disputed my accounts in good standing because they aren't reported accurately as they should be on a monthly payment frequency. Equifax does not record any of my payments in the historical payment data pattern history on any of my revolving and installment accounts. Equifax records in the comments of my revolving accounts " amount in H/C column is credit limit '', Equifax also reports {$0.00} for H/C amount. This is inaccurate reporting and is damaging to my credit score and report .... Because the comment " amount in H/C column is credit limit '' is found on all my revolving accounts, I will say that this is done blatantly by Equifax credit reporting agency..this is unlawful reporting ... Upon investigation of my dispute directly to Equifax, Equifax credit reporting agency deleted the following revolving accounts instead of updating them accurately ; XXXX, XXXX XXXX, XXXX, XXXX. Why is this possible?
Product: Debt collection

I rented a house that continued to have all types of problems, the biggest was the AC. I live in Florida and have children and had called several times about the AC not working properly. They would have people come out and try to fix it but in the long run it was never fixed. The AC caused flooding in my home which then caused issues to my health. I could no longer be in the house due to my XXXX  would feel like it was on XXXX. I had XXXX XXXX and all other sorts of issues due to the wet floors. I took video 's of the problems all of which the company has. I had no choice but to move out for the health of my children and myself. When I received the notice of what they stated I owed I was shocked. After communicating with XXXX from XXXX XXXX on several occasions of all the repairs they still have the nerve to tell me I owe them over {$4000.00}. I can not believe what a scam this is. I was willing to settle this but they told me NO. I had no choice but to move out! I packed up my children the day I could no longer handle the XXXX XXXX XXXX XXXX and had to live a a place that didn't even have fully built just to get my children away from the bad health environment.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>, Equifax employees have unlawfully accessed my credit report without my consent or knowledge, leading to the initiation of fraudulent and frivolous disputes. I have provided confirmation numbers related to some of these unauthorized actions : XXXX, XXXX, XXXX, XXXX, and XXXX. These actions have caused significant hardship and financial loss, as the disputes started by Equifax employees were on accounts that were either non-existent on my profile or on authorized accounts that were closed in good standing. 

Equifax employees have unlawfully deleted the following accounts from my credit report : 1. XXXX XXXX XXXX  account ending in XXXX XXXX XXXX. XXXX account ending in XXXX XXXX XXXX. XXXX XXXX XXXX XXXX account ending in XXXX XXXX XXXX. XXXX XXXX mortgage account ending in XXXX XXXX I have never submitted any disputes regarding these accounts, all of which were closed in good standing. The deletion of these accounts has further damaged my credit profile and caused additional financial harm. 

I have reported this fraudulent activity and the ongoing behavior of Equifax employees to the XXXX XXXX Police Department, the FTC, the CFPB, the California State Attorney General, and the XXXX. Despite these reports, Equifax employees continue to commit fraud, initiating disputes and using information such as names and addresses of Equifax and the employees mentioned in the reports. These employees have also used these names to falsely claim that I disputed these names on my credit report. This fraudulent behavior has been ongoing for several months and has significantly impacted my financial stability. 

Despite multiple attempts to resolve these issues, the same employees continue to access my credit profile and manipulate accounts. This has led to the addition of fraudulent information, the initiation of baseless disputes, and the deletion of legitimate accounts that I have never disputed. The ongoing manipulations of my credit report have severely impacted my financial standing, making it difficult for me to maintain accurate credit information and leading to further complications in managing my financial obligations. 

Equifax 's unauthorized access and manipulation of my credit report are clear violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 604, which requires that consumer reporting agencies must have a permissible purpose for accessing a consumer 's credit report. Additionally, these actions may also violate California state laws that protect consumers from unauthorized credit report access and the mishandling of disputes. 

Attached documents are letters from credit furniture XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX dispute letter to copies of identification, police reports, FTC identity XXXX theft reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

My XXXX XXXX XXXX made XXXX unauthorized in app purchases from XX/XX/2023 to XX/XX/2023 using my ipad without my knowledge from XXXX. 

XX/XX/2023 for XXXX XX/XX/2023 for XXXX XX/XX/2023 for XXXX  XX/XX/2023 for XXXX XXXXXX/XX/2023 for XXXX XXXXXX/XX/2023 for XXXX XXXXXX/XX/2023 for XXXX  XX/XX/2023 for XXXX XXXXXX/XX/2023 for XXXX XX/XX/2023 for {XXXX XX/XX/2023 for XXXX  XX/XX/2023 for XXXX XXXXXX/XX/2023 for XXXX XXXXXX/XX/2023 for XXXX XXXX XXXX XXXX XXXX XXXX 

In order to stop this, I had to delete my XXXX  card information from XXXX as soon as I discovered these unauthorized charges on or around XX/XX/2023. 

I immediately requested XXXX to delete these unauthorized in app purchases from the ipad and to refund me. XXXX then refused to reverse these charges after multiple requests and attempts, from around XX/XX/2023 to XX/XX/2023, they said to take it up with the credit card company. 

I called and submitted a dispute of unauthorized charges for unauthorized purchases over the phone with my XXXX  card company around XX/XX/2023. They reversed XXXX of the XXXX charges for XXXXXXXX  from XX/XX/2023. But refused to reverse the other XXXX charges. I then submitted a second request to the credit card company in writing to dispute these unauthorized charges around XX/XX/2023. 

The XXXX  card company sent a message that said they would review this and then they sent me a letter dated XX/XX/2023 indicating that they reversed XXXX of the XXXX unauthorized charges but will not reverse the other XXXX of the XXXX unauthorized charges. 

I am formally writing to file a complaint against Chase credit card company for allowing unauthorized charges to my XXXX  card and then refusing to remedy the unauthorized charges.
Product: Credit card

We have a Citi XXXX XXXX credit card and we received an email saying there was a message in our secure message center on citi.com. Upon logging in and reading it, Citi took it upon themselves to close our credit card account WITHOUT notifying us they were doing so. They said that " in our customers best interests, we do not notify them that we close their accounts ''. This is unacceptable. No other credit card company that we do business with does anything like this without notifying us first so that we can take the proper actions to prevent it. I tried to resolve this via their secure message center but they said that they can not reopen the account. These are predatory and unfair business practices.
Product: Mortgage

1 ) I was self-employed and unable to make my mortgage payments after living in my home of 15 years.    2  )  XXXX ,  XXXX , I became employed   XXXX   XXXX   as a  XXXX  with the  XXXX   XXXX   XXXX   XXXX   XXXX  and requested assistance from my mortgage lender,  XXXX   XXXX   XXXX  to do a loan modification.    3 )   XXXX ,  XXXX , while in the middle of completing loan modification paperwork, my mortgage loan was transferred from my mortgage service provider,  XXXX   XXXX   XXXX   to Penny Mac. This ca used a delay in me being able to complete the loan modification paperwork and my house was put into foreclosure despite me processing the paperwork because despite my new employment, I was n't able to get the past due payments caught up. I was told I had to redo the loan modification paperwork fo r Penny Mac.     4 )   XXXX ,  XXXX , I completed  Penny Mac 's  loan modification paperwork and began to make the trial payments.    5 )   XXXX   XXXX ,  XXXX , I had to take   XXXX   leave of absence from my  XXXX  job. My employer began arguing that I did not qualify for my short term  XXXX  benefits even though I had been paying into the benefits from the first day of hire.    6 ) Late   XXXX ,  XXXX , I was approved by  Penny Mac f or the loan modification program upon making my  XXXX  payment. I was told the paperwork could take up to 30 days to arrive to sign and finalize the loan modification.    7 )   XXXX   XXXX ,  XXXX , my income dropped substantially making it impossible for me to make the  XXXX  payment.    8 )   XXXX   XXXX ,  XXXX ,  Penny Mac  sent me a mortgage statement billing me for the full past due amount, stating my " ... loan is severely delinquent, and as such, foreclosure action has began ... '' I was not even given 30 days before they moved my loan from loan modification directly into foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello To Whom It May Concern, I have been trying to fix this the past few months and now the covid 19 going around i need to be fixed more than ever. I have been using my XXXX XXXX and noticed Dept Of  Ed/XXXX  late fee 's of a total of 48 on transunion and 54 on XXXX. I was told by the studen loan company more than once that these late fee 's will not count against my credit score since I've been there a long time and most of them are the same ones repeating since I have a few different loans. Each time I call they say the same thing that transunion, XXXX  and XXXX  should not be showing this. I have wrote countless letters. Under the fair credit reporting act 609 this has been going on well over 90 days. I have been in contact with transunion, XXXX and XXXX  also and it just goes around in circles the blame game.