23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I respectfully urge your strict adherence to the Fair Credit Reporting Act ( FCRA ), a pivotal legal framework established to protect the rights of American consumers in matters relating to credit bureaus. Within the confines of this regulatory context, I kindly request Equifax to take the requisite measures to refrain from reporting the ensuing inquiries on my personal information : Inquiry Details : Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested In alignment with the FCRA 's principles, which emphasize the necessity of accurate and equitable representation of individuals ' credit histories, I earnestly request your prompt attention and resolution of this matter. Your unwavering commitment to upholding the fundamental tenets of consumer rights within the sphere of credit reporting is deeply appreciated. I anticipate your diligent efforts to ensure compliance with the FCRA regarding the reporting of these inquiries on my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX 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: Credit card or prepaid card

1. I made a car rental reservation with XXXX XXXX, XXXX on Chase travel portal using the Chase reward points on XXXX 2021, which is worth of {$410.00}. It was a prepaid trip from XXXX to XXXX, 2021. 
2. When we got to the XXXX XXXX on the night of XXXX, they spent over 30 minutes to go through the paper work and asked us to buy a car insurance before we can pick up the car at the end. We were asked to pay almost additional {$400.00} total for the insurance and they told us it was mandatory by XXXX XXXX. This was our fifth time in XXXX and also not the first time renting car. We understand there is one basic liability insurance mandatary and it has to be included in the quoted price by law, which we already prepaid through Chase. On the other side, I am also attaching the Chase/XXXX XXXX XXXX policy document here for the reference. It stated in second paragraph of page 5 : Third party liability insurance is included in our car rental contract already.

3. Since it is totally nonsense for us to purchase additional insurance, we declined to take this option. If this is something mandatary by XXXX, we have every right to be informed before we booked the trip. We already felt this was a fraud and at the end, they didn't give us the car. 
4. I contacted Chase credit card travel center multiple times to report this potential fraud and ask for my rewards refund for the trip few days later. Chase informed me on XX/XX/XXXX they can't refund me my rewards because XXXX denied my request. And the decision is final.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX ( Transunion ) Incorrect Address : XXXX XXXX ( Transunion ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Name : XXXX ( XXXX  ) Incorrect Name : XXXX ( XXXX  ) The following accounts status is reporting inaccurate. I was never late on the following accounts : Dept of Education XXXX Open XX/XX/XXXX Bal. {$3500.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$3100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$860.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2100.00} ( I was never 90, 120, 150, or 180 days late ) XXXX Open XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following accounts does not belong to me/ Result of Identity Theft : XXXX Open XX/XX/XXXX Balance : XXXX ( XXXX  , TU, and XXXX  ) XXXX XXXX Date Open XX/XX/XXXX Bal. XXXX ( TU and XXXX  ) Bankruptcy Chapter XXXX  ( TU and XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023, I submitted dispute letters to Equifax, XXXX, and XXXX regarding inaccurate information on my credit report. Despite my submission, Equifax, XXXX, and XXXX has not adhered to the requirements of the FCRA in their handling of my dispute. I'm reaching out to you today because I'm really upset with Equifax, XXXX, and XXXX - the three main credit reporting agencies. The Fair Credit Reporting Act- in a section labeled 1681i ( a ) ( 7 ) - clearly states that when a consumer like me asks about their reinvestigation process, these agencies must explain it within 15 days. But I'm still waiting for an answer from them since I made my request on the dates above.

There's another issue too. I've found some inaccuracies in my credit report, and I've already informed them about it. Despite this, they haven't removed the incorrect information. This goes against what's outlined in section 1681i ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. Also, they're supposed to ensure that the information they have on me is as accurate as it can be, but these mistakes keep popping up. This isn't right, and it's a violation of another part of the Act - section 1681e ( b ). I'm really at my wit 's end here and I'm hoping you can help me resolve this.
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME UNAUTHORIZED INQUIRIES STILL REPORTING IN EQUIFAX. 

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

We have a offer on the table that nets the required net sales proceeds of {$230000.00} which is located on form XXXX. Required net sales proceeds on appraisal clearly states {$230000.00}. We have a offer on table. The Settlement statement states that clicknclose ( lender ) will receive {$230000.00}. Im trying avoid foreclosure via short sale however the lender is not cooperating. They countered asking for a additional {$10000.00}. However buyer is not willing to go up. Lender said property is no longer fha insured. My realtor has worked relentlessly to help me avoid foreclosure. However clicknclose is not working with me. The offer is more than good and should be approved according to appraisal.
Product: Credit reporting or other personal consumer reports

Each of these companies reported a charged off on my credit report since the respective dates shown below, however, they have each failed to provide me with a 1099C for my own filing. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date account closed : XX/XX/XXXX. 
Balance owed = {$1400.00} Actions taken by the company : They continue to report it every month of my credit report. They last verified it on XX/XX/XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX Date account closed : XX/XX/XXXX. 
Balance owed = {$290.00} Actions taken by the company : They continue to report it every month on my credit report. They last verified it on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX Date account closed : XX/XX/XXXX. 
XXXX owed = {$0.00} Actions taken by the company : They continue to report it every month on my credit report which was verified on XX/XX/XXXX. Even though it was last verified since XXXX, it continue to show on my credit report.
Product: Checking or savings account

I deposited check number XXXX into the ATM at my credit union. The check was credited to my savings account. The check had posted to my checking account on XX/XX/2020. All is well. 

On XX/XX/2020 the same check was posted to my account and credited to an unknown account at XXXX XXXX. 

The check was for {$1500.00}. The people at TCF Bank where my checking account is located said that someone would call me tomorrow or the next day. 

There was a similar issue with a check that I deposited at TCF Bank only 2 months ago. On that debacle they insisted that I deposited the check at the teller and at the ATM. I put a complaint in and it took quite some time before TCF said it was an error and apologized. That complaint that I made was almost {$400.00}. This " error '' leaves me short {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and hope all is well. Thank you for taking the time to review concerns regarding student loans and credit reporting. Being a XXXX XXXX for the XXXX XXXX XXXX XXXX since XX/XX/2015. The Department of Education has not extended the possibility of loan forgiveness. Being a dedicated employee during this unforeseen and uncertain error in time, my life is at risk daily. COVID-19 has made a major impact within our departments along with my home. My mother was XXXX  with the XXXX  Being considered frontline and essential, i went above and beyond the necessities with preparing mail for delivery. 

Also, requesting reporting on all major credit profiles. Due to the number of inaccuracies with the same account number multiple times on the report. This is an area of repetitive reporting which is compromising creditworthiness and credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below do not belong to me. They must be removed immediately. I asked the credit bureaus to furnish proof, provide my signature on any of these loans and they still have not. By continuing to report this they are arresting my ability to maintain employment and conduct commerce. I will file a lawsuit if they do not remove these items IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX - Balance : {$91.00} Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$53000.00} Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$3600.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - Balance : {$1300.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$1600.00} Date Opened : XX/XX/XXXX ; XXXX/XXXX   XXXX - Balance : {$100.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX/XXXX - Balance : {$5000.00} Date Opened : XX/XX/XXXX ; XXXX/XXXX - Balance : {$250.00} Date Opened : XX/XX/XXXX ; XXXX XXXX - Balance : {$1100.00} Date Opened : XX/XX/XXXX ; Chapter XXXX Bankruptcy - REMOVE IMMEDIATELY Date Opened : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I uploaded a request to experian.com/upload to remove an extended fraud alert from my credit file. I am attempting to open up a new line of credit. The next day I received numerous emails from Experian stating " we are working on your request '' and then, finally, " your request is complete. '' I then received two conflicting emails. One stated the fraud alert was removed from my credit file ( see attached ), the other stated that a fraud alert was added to my credit file ( see attached ). I only requested that the fraud alert be removed. I never requested any type of alert be added. For the past three days I have attempted to contact Experian via telephone and through their website without success. They do not remove fraud alerts via phone, and my written requests have gone unanswered.
Product: Debt collection

I do not owe this debt and its not on my credit report. 2. I do not have a contract with this company. 3. They repeatedly call me everyday and leave voicemails. On XX/XX/XXXX and XX/XX/XXXX are the latest.
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized and they are not related to any transactions by me 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report delinquent payment history for an account settled with   XXXX   XXXX   despite prior attempts by me to correct this error through the FCRA dispute process. This account was settled in  XXXX  2016 with payments made through and including   XXXX    2016. I disputed ( see attached ) this with all  XXXX  of the major credit reporting agencies as well as   XXXX   XXXX   on   XXXX   XXXX    and  XXXX  and  XXXX  corrected the error, but Experian did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  account # XXXX, XXXX  account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$730.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1700.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

To whom it may concern : I initiated a refinance with TD Bank on XXXX XXXX, 2020, with a 30-day closing. It has been 90 days, and my closing has been postponed 8 times, loan team is unresponsive to my attempts to reach them, and fails to share vital information. All requested documentation has been provided on my end within 2-3 hours of request, and failure to process the documentation in a timely manner rests solely with TD. I am supposed to be closing today, and no one has been in touch to provide information on said closing, nor to inform me of a further delay in the process. 

Thank you!
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report, and I noticed several inaccuracies with XXXX of my accounts. This account is reporting late payments and different dates for date opened XX/XX/2022, and XX/XX/2022. These inaccuracies are seriously hurting my credit score and my ability to obtain credit. I need these lame payments removed or delete this account from my credit score. Account Name : XXXX  Account Number : XXXX In accordance with The Fair Credit Reporting Act XXXX # 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred $ {$330.00} to my checking account from Cashapp ( $ XXXX. ) They charged me a process fee of {$5.00}, making the total going into my checking account {$330.00}. On XX/XX/XXXX Cashapp went into my checking account and took back the {$330.00}. I have spent the last four days trying to figure out why! I am getting nowhere and they are denying they took the money back out yet they did credit my Cashapp the {$5.00} processing free for " for not instant... I was told over the phone that means not instant transfer. The thing is it DID instant transfer and the very next day ( XX/XX/XXXX ) they took the transfer back. Cashapp is denying this and I can't get anyone to tell me where my money is! They had no problem crediting back the {$5.00} but have no explanation as to where the rest of my {$330.00} is. They have clearly stolen my money and it's a joke trying to get support..over the phone they just keep telling me I need to reach out over email or in the app... .. when I do that they run me in circles with the same generic questions & answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to understand why my report have so many hard inquiries that I did not make. I have not tried to take out a loan, get a new credit card or put myself in a situation that would make my credit report have so many inquiries on it. I also realize that there have been duplicate inquiries on my report from XXXX   XXXX or XXXX XXXX. This inquiry occurred on XX/XX/XXXX. I contacted the creditor and they could not confirm anything. 

I also contacted the following creditors and they could not verify that it was me who authorize such inquiries : XXXX XXXX Inquiry from XX/XX/XXXX Oil Companies XXXX/XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Oil Companies XXXX Inquiry from XX/XX/XXXX Oil Companies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX/XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX/XXXX  Inquiry from XX/XX/XXXX Finance XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Bank Dept Of Ed Inquiry from XX/XX/XXXX Government XXXX/XXXX  Inquiry from XX/XX/XXXX Bank  XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX  XXXX  Inquiry from XX/XX/XXXX Finance Aren't you aware that you must enforce the permissible purpose provisions of the Fair Credit Reporting Act? 
The inclusion of these inquiry does not comply with federal law. You are obligated to remove the offending inquiries.
Product: Bank account or service

Submitted CFPB complaint no. XXXX on XX/XX/XXXX, matter was resolved and the fees were refunded. This matter has happened again with the XXXX XXXX XXXX of California and Bank of America. The XXXX XXXX XXXX, calculated my taxes on information provided by my ex-employer United States Postal Service and put a hold on my account with Bank of America. I did my tax return and mailed it in about XX/XX/XXXX, the tax board did not receive my tax return and issued a hold on my account on my account which was received by the Bank of America on XX/XX/XXXX. Bank of America withdrew its XXXX legal fees, {$12.00} service fees and XXXX to be sent to XXXX XXXX XXXX. On XX/XX/XXXX had to fax tax return the previous tax return that I had mailed in was not received. Spoke with XXXX XXXX from XXXX XXXX XXXX, who assured me that no legal fees would be charged because she had emailed to the bank a release. I had previously received a letter from Bank of America stating the the funds would be remitted to XXXX XXXX XXXX on XX/XX/XXXX unless there was a release or court order to the contrary before that date. The funds sent to the XXXX XXXX XXXX were returned but the legal fees were not. The orders sent by the XXXX XXXX XXXX, specifically state : Retain any funds withheld for 10 business days from the date you receive this order. Bank of America withheld my funds on XX/XX/XXXX which is three days after receiving the order. The letter they sent me stated they would remit the funds in 17 days after they received the order. Notify the taxpayer and any other person listed on the account or accounts that you are withholding funds according to this order and the date you will be transmitting the funds to the ( FTP ). The bank was to withheld the funds for ten days and they notified me that they would be remitting the funds in 17 days from the date they received the order. Transmit any funds withheld to us at the end of the 10 days holding period unless you received a release from us. The release was sent from XXXX XXXX XXXX on XX/XX/XXXX. Revenue and XXXX code section Code 18674 ( b ) states in part : An institution may asses the account or account of each person receiving this notice a reasonable service charge not to exceed XXXX dollars ( {$3.00} ). I am asking for a refund of {$100.00} dollars legal fee.
Product: Credit reporting

There is incorrect personal information on my credit report that needs to be deleted. 

Incorrect Names : XXXX XXXX Incorrect Address : XXXX XXXX NJ XXXX XXXX XXXX NJ XXXX Incorrect SSN : XXXX Item that should be deleted from credit report : XXXX - Account Number : XXXX ( I uploaded a letter stating it would be removed from my credit report )
Product: Credit reporting, credit repair services, or other personal consumer reports

Just looked on my credit report today. Found XXXX XXXX, XXXX XXXX/ XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX. This is untrue. I am part of numerous data breaches. I had identity theft. I reported this already. I never ever! Asked for credit never made these inquiries. These need to come off. XXXX and Equifax credit reports. At this time XXXX XXXX is not showing these inquiries. These inquiries was not made or done by me. This was unknown with out my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DON'T RECOGNIZE THIS ACCOUNT, I HAVE NEVER APPLIED FOR THIS COMPANY. I DON'T HAVE ANY CONTRACTS OR AGREEMENTS WITH MY SIGNATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXXXXXX Late Date XX/XX/21