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

Unauthorized Inquires on report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have never had an account with XXXX XXXX XXXX. Please see the previous notes where I indicated the previous requests.
Product: Bank account or service

Good Evening, I must start by saying I am very upset I needed to reach out to you for help. I am a XXXX and have been over 20yrs, I feel these should never have to get this far. On XX/XX/XXXX my American Express BlueBird account had 3 transations taking out of my account without authorization, as soon as I realized I didnt have my card and the last time I used it was at XXXX atm by my work. I immediatley contact AMEX and the first rep told me she cancelled my card and she would immediatly send me out a new card and have the 3 unauthorized transations reversed once they post " at that point still was in pending ''. She then transfered me over to the fraud department where I basically repeated myself and she repeated the prior girls response, they both said 72 hours I would have my money and a new card. Now this card has been open since XX/XX/XXXX I have NEVER had this happen, never even contacted them. But this card has everything coming out of it and I get paid weekly direct deposit. I have also FAXED there complaince department with confirmed receipts it was received stating this and still nothing. Since XX/XX/XXXX I have spoke to over 6 people all tell me to call someone else and never get back to me, I have sent 4 faxes as well, and still no card and no refund??? ITS XX/XX/XXXX!!! So my direct deposit hits the account every thursday I have to go online and send all my deposit to XXXX, leave work go to the customer service desk where I sent the money from that card to basically myself. I cant purchased anything online, XXXX, ex ... ..I have been very patient now I feel this is unexceptable. I am a XXXX and still would NEVER treat anyone like this, they request there money back after they make a payment and actually owe the bill I still refund it. Its XXXX dollars, 3 transactions.
Product: Checking or savings account

Im having a problem with the bank returning several transactions when they have a policy as long as the funds are in the account by XXXX XXXXXXXX XXXX XXXX  of the day of negative balance. The past few months they have been returning item even though I have deposited the amount before cut off time for example today there was no negative balance I made a payment for {$63.00} to XXXX XXXX XXXX days ago today they returned the payment. Another item they returned for {$270.00} XXXX times without a negative balance.
Product: Debt collection

I do not have a contract with Credit control corporation please have this company confirm that I indeed have a contract bearing my signature.CREDIT CONTROL CORPORATION-Account # XXXX this account and in accordance to the Fair Credit Reporting Act Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the rights 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 written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested from XXXX XXXX, XXXX and Equifax to fully validate five ( 5 ) accounts on my credit report with my last letter dated XX/XX/2023. The only thing I have received is that the accounts are " verified '' without any statements or original contract supporting that the account and balances are in fact correct. 

The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 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: Checking or savings account

Capital one closed my account and I received a letter about closing accounts. 

But Saving Account had balance and I didnt receive the check that they supposed mailed to my address. Never delivered.
Product: Credit reporting

I have been a member since XX/XX/2016. I review my score daily. I have worked hard to bring my score up since XX/XX/XXXX. My score dropped XXXX points over night from XX/XX/2016-XX/XX/2016. I called Equifax to inquire today. After spending and hour and 10 minutes on the first phone call and hung up on, I called back by direction of their Specialty Dept. I requested to dispute as it was suggested by Specialty Dept. The girl XXXX said they ca n't do that. Disputes are n't filed on scores, they are only filed on companies reporting to the angency peryaining to my file. XXXX was the first person, then her supervisor XXXX, then to Specialty Dept and then to XXXX ( which did nothing but place me on hold and hang up ). No one could explain why the significant decrease. Specialty Dept reviewed my credit summary and said, " there is no logical reason for this change. '' Yet, it happened. XXXX and XXXX both thought it was due to the current dispute. That 's unacceptable as a dispute does not decrease your score XXXX points. XXXX said it was probably from the court/legal accounts. I also said that these are OLD and have not had an effect on my credit for year 's. My score has been over XXXX since XXXX. I called disputes and after validating my personal information, placed me on hold for the duration of the ten minute call and hung up. XXXX and XXXX both remained the same. My member alert came from XXXX about Equifax today. There was also a new address reported within 24 hours. I have not changed my address nor have I reported a new one. How do I get the answer 's to my question about my decrease ( significant ) in score. Should I file a fraud alert?
Product: Checking or savings account

XX/XX/XXXX called to file a claim on a transaction that had been previously file that ( j.p.morgan chase )  said to contact the company involved, which I did and received an email with the partial credit for the transaction. The operator ( XXXX ) number not properly give that of XXXX and XXXX wether first or last name not given. One was untruthful and saying multiple statements, most disturbing the claims Dept. or ( j.p.morgan chase ) does not receive emails. After hearing multiple untruths I used profound profane verbage to release the frustration of being blatantly untruthful to!!!!!!!!! MULTIPLE TIMES AS A banking client untruthed too. Their was no threats made but very correct and harsh critcism of the operators unprofessionalism, untruthfulness, and incorrectness!!!!!!!! I have contact the CFPB before on the incorrectness of ( j.p.morgan chase ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX currently sent me a letter about if I close my account and do not pay they will sue. I want my account closed due to Identity Theft. The Public Act says close your account when Identity Theft occurs notify the account company and have them send you IdentityTheft papers. 
I am having a run around with customer service not flagging my account with Identity theft during the investigation so they will not lower my credit score.
Product: Credit card or prepaid card

On XXXX XXXX, 2022, a charge for {$61.00} from XXXX XXXX appeared on my Citibank credit card statement. I do not recognize this charge, and the statement says its from last XXXX. Ive contacted Citibank by phone on XX/XX/XXXX, XXXX, and XXXX, but they have done nothing to resolve this. Each time they say XXXX get a credit, but it never happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm lost for words about my situation, first I disputed with no actual detailed information about an account listed on my personal credit file, I have requested validation directly from the company NOTHING RECEIVED, I have filed a complaint through the CFPB to the collection company XXXX XXXX USA # XXXX no response back from this company through the CFPB. 

For an item to be listed on my personal credit file which first is unknown, second very old and appears to be PAST THE STATUTE, not able to be validated how is this still on my credit file? Your company states your firm verified HOW?? If the actual company isn't responding to two different firms how is your firm able to? What was requested by your company? What was obtain to show I owe this bill I have no idea about and it's NOT mine? This is crazy, how can your company sleep at night?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX Phone # XXXX I am filling a complaint against Experian regarding XXXX XXXX # XXXX. 
The date of last activity was XX/XX/2008. This was a foreclosure and is still showing well after the stature on my credit. It was removed from the other 2 bureau but still showing on Eperian. I am trying to get a mortgage and need to understand what's going on. Please explain why u are allowing a account older than 7 years remain on my account. 

Thank you!
Product: Credit card

Re : Avant Credit Card XX/XX/XXXX XXXX payment due. Balance existed based on the upfront annual fee. 
Since that time up until the month of XX/XX/2023, Avants systems in multiple areas were non functioning. 
Simply put, it was impossible to make an electronic payment. Every payment made up to XX/XX/XXXX had to be facilitated by a Customer Service Representative via a phone call. 
Late fees have been assessed due to Avants system failure. 
Late fee waiver requests and have been submitted and denied w/o explanation. Representatives have spoken conclusive and egregious untruths. 
I simply asked ( and have been asking ) for the late fees to be waived and their payment processing system addressed for functionality. There has been no resolution or seeming regard at all to provide a semblance of what be considered a reasonable solution. 
My communications between emails and phone calls are in double digits. The calls are supposedly recorded. My communications have all occurred with the last 5 months. The Avant Supervisor I escalated to provided no solution not the multiple Avant representatives prior. 

Would you please assist? Anything you could do would b greatly appreciated. 

Warm Regards, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeing an influx of credit inquires on my credit that I was never privy to. A bunch recently in XXXX : XXXX XXXX XX/XX/XXXX Inquiry XXXX  XX/XX/XXXX Inquiry XXXX/MARLETTE XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry
Product: Credit card or prepaid card

When I called the company to inquire why I don't have money on my card yet they started to explain to me that I'm a new customer and everything is put on hold for 21 days and that was it the phone hung up and I haven't been able to get a hold of them since they have me in this vicious cycle of calling and the whole thing goes through it's natural emotions as they're open and I'm calling during open hours all of a sudden at the end it says we're not open at this time. Also I'm facing eviction because I can't pay my rent I can't pay my electric or my heat I have no money for food it goes on and on
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 XXXXXXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting my date of birth wrong. The report shows XX/XX/XXXX which is incorrect. My accurate date of birth is XX/XX/XXXX. Due to this error there's a collection acc # XXXX in the amount of {$22000.00} that is showing in my credit file. I have asked EQUIFAX numerous of times to reinvestigate this account and each time I got nothing back with proof of investigation. There's also an address that is on my report that I humbly asked them to remove XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. I have never lived at the above address. There's also credit inquiries I did not authorize. My personal information such as disabled/retired is being exposed as well. I did not give my consent to have that information disclosed. I understand my consumer rights and wish to have all issues resolved promptly.
Product: Credit card

PayPal and or Synchrony Bank says a computer purchased on XXXX XXXX the amount of {$2100.00}. Was charged. So an investigation was started due to me calling when it came to my attention on my XXXX or XXXX statement. At this time I am asking PayPal for the statements for the year per XXXX XXXX  Advice. However, Synchrony bank has opened and closed this investigation on XX/XX/XXXX, not in my favor XX/XX/XXXX not in my XXXX, XX/XX/XXXX, not my favor, XX/XX/XXXX, not my favor, XX/XX/XXXX not my favor, and XX/XX/XXXX they completed the investigation. However on the month of XX/XX/XXXX I had Identity theft. I sent them all of the paper work including a police report from XXXX financial from XXXX where they broke into my phone I no longer have my PayPal account it was shut off immediately. I paid to have @ XXXX to XXXX pages of proof of identity theft from XX/XX/XXXX sent to them and they r trying to say I bought this computer. XXXX XXXX is now involved and told me to make this complaint.my family r military veterans my husband is XXXX XXXX and it is terrible we have to fight this for XXXX year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX credit card with XXXX Bank and they reported that I have a 30-day late payment for the month of XXXX, 2022 on XX/XX/2022. I did not miss a payment nor was I late for the month of XXXX in 2022. I have had 100 % of on-time payments and this situation is very frustrating and severely hurting my credit. 

I called the company and was unable to resolve the issue via phone. They told me to write a letter to the credit bureau department and I did. I sent the letter certified and it was received by XXXX on XX/XX/XXXX. XXXX has yet to resolve the issue.
Product: Payday loan, title loan, or personal loan

I purchased some items from XXXX back in XXXX. I used Affirm to split into 4 payments. They took roughly one and two months to arrive for the two items. Both items I received were nowhere near as described. 

I contacted the vendor and got a refund on the first item. Once I received the second item again as not as described, I contacted the company. They notified me they would only refund it if I paid to ship it back to them. I let them know that I would not be paying shipping, as it was not what I ordered. I would be happy to send it back if they provided a label. 

The company refused, so I file a chargeback with my credit card company. My credit card sided with me given the evidence and approved the chargeback. When the money came out of Affirm, Affirm let me know I was now past due. 

I was unaware of the fact I would have to file with both Affirm and XXXX. I tried to file the dispute with Affirm and they are refusing to entertain it, despite it not yet being 60 days since receipt of the incorrect item. 

Affirm believes I am on the hook for {$100.00} for an item that is not what I purchased. My credit card company agrees with me that it is not what was purchased, and gave me my funds back. All I am looking for is for Affirm to close out the account as a valid dispute.
Product: Credit reporting or other personal consumer reports

I have misinformation regarding collections on my credit report that i repeatedly said it was not mines and I have no knowledge of these its on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX which had information on there I dont even know or ever possessed. I sent disputes letters several times and the last 3 by certified mail and according to the FCRA 15 us code 1681 68021681-c and especially 1692 g these accounts need to be removed and not constantly verified and updated. Its been 4 times this has happened and there was not a proper investigation with Experian
Product: Checking or savings account

It's U. S. Bank taken long time in closing my checking account ending in XXXX and also having restricted UNLAWFULLY withdrawal of positive credit balance of my checking account. Moreover, said bank as harassment returned my payments 1 ) {$1000.00} to XXXXXXXX XXXX XXXX  with remark AS ACCOUNT FROZEN 2 ) Check number XXXX of {$500.00} returned unpaid on XX/XX/XXXX to XXXX with remark AS ACCOUNT CLOSED and let me without any hesitation that said bank done it as a FRAUDULENT PRACTICES WHEREAS said bank closed my checking account on XX/XX/XXXX. Too till todate said back not sent me their CASHIER 'S CHECK of my positive credit balance of {$1800.00} even after my many reminders. I firmly believe that CFPB must take legal steps punishing forcing to pay penalty of {$50000.00}. XXXX XXXX XXXXXXXX. Tks in advance with warm regards. Sincerely XXXX, XXXX XXXX XXXX.
Product: Mortgage

Our mortgage documents state that we are only XXXX XXXX and not property taxes. I paid our taxes to XXXX XXXX, IL on XX/XX/XXXX. When I logged on to pay our mortgage payment by XX/XX/XXXX, on XX/XX/XXXX our mortgage servicer, XXXX financial, paid the property taxes as well. Despite the mortgage stating to the contrary. 

I called the servicer to ask what was going on, and I filed a XXXX on the website. The customer service agent I spoke to on the phone seemed to understand the situation and stated that it would be removed by XX/XX/XXXX. 

We received a letter in the mail on the XXXX stating that they had denied our request due to the length of the loan being open. I called the customer service line again on the XXXX to clarify. They informed me that because the loan had not been serviced for over XXXX  months, they could not remove the XXXX XXXX. I informed them that all I wanted was XXXX to reflect our mortgage documents and that we were not XXXX XXXX XXXX because in IL, substantially XXXX veterans do not pay property taxes. They informed me that our only recourse was to mail or fax a handwritten XXXX to the company. 

I do not currently have a copy of our mortgage documents because I am trying to handle this while I am on vacation, but if there were to be a follow up email I could attach a copy of the mortgage documents that we signed when we closed on our home XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX and resurgent/ lvnv funding are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX and resurgent/ lvnv funding the financial institution and the XXXX reporting agencies Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion, XXXX XXXX XXXX XXXX and resurgent/ lvnv funding whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX and resurgent/ lvnv funding Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have five years of credit history and when I apply for financing for a motorcycle recently it shows on equifax I have no credit history.