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

I called in in XX/XX/2020 requesting Equifax to remove these fraudulent inquiries from my credit report I uploaded my documents such as police report and driver license and social security card to have these items removed ..., however creditors are still posting inquiries to my report without my authorization. Equifax stated if XXXX will fax these documents they will be remove.. I faxed these documents to the number they provided which XXXX and the inquires are still showing up on my report
Product: Credit card or prepaid card

From XXXX I was Amazon customer, I used the Amazon online to buy products, but in the end of XXXX, I closed the Amazon account without any outstanding dues. 

Later in XXXX and XXXX, I started receiving statement from Synchrony Bank/Amazon asking me to pay {$7.00} XXXX including fee, interest, card security fee ). I never asked for Synchrony Bank/Amazon Card/service, I never used this card to buy products nor I need this card, all of a sudden I started receiving statement from Synchrony Bank/Amazon, when I am not connected with them nor availed their service.

I contacted the Synchrony Bank/Amazon, they asked me to provide my Identity ( including my SSN ), but failed to provide me the reason for the statement as well as refused to cancel/terminate the card account, which I no longer require and zero down the outstanding amount which I do not owe.
Product: Credit reporting or other personal consumer reports

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

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 : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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: Payday loan, title loan, personal loan, or advance loan

I purchased a product through an online merchant and used ZIP for a 4-month installment payment plan. The merchant did not have the product I purchased, so the merchant canceled the product, and ZIP refunded my initial payment. Unfortunately, the merchant placed my order a second time without my authorization after the initial cancelation and ZIP immediately charged me again. The merchant canceled the second order a week later and indicated it was their mistake. However, ZIP continued to take payments out even though the merchant canceled the erroneous second order and I never received any goods from the merchant. The second cancelation occurred on XX/XX/2023, and as of the date of this complaint, ZIP has refused to refund my payments and actually debited a third payment to my credit card this past weekend. I have called ZIP multiple times, as well as communicated with them both through email and text. ZIP keeps claiming they are escalating the issues and investigating the cancelation with the merchant even thought I have sent them proof of the cancelation. ZIP has three ( 3 ) charges totaling over {$1300.00} on my credit card that I need to be refunded and they continue to give me excuses and delay any refund.
Product: Mortgage

I placed an offer on a house and contacted Bank of America loan officer that gave me a preapproval when i started looking. i asked where to begin told me the rates over the phone i asked for a Loan Estimate so i could verify it was the best deal. his tone changed and he told me my loan was hard due to a foreclosure in the past and other banks would have a hard time. I said ok i still wanted the Loan Estimate. he sent me a closing cost worksheet. i asked if this was the loan estimate he said yes, then i sent an email back saying even his document said it was n't at the top. The loan officer insisted that I send the contract over to him for the Loan Estimate. I referred him to the CFPB site and saying i did not need to send that information to him with what i need to give him. he brushed it off and requested the contract again. he still has not given me the loan estimate and continues to ask for the contract. when i informed him that according to the CFPB site i should not give him the information and if he continued I would complain to the CFPB and let them sort it out. he responded saying he wanted the contract for the property address and closing date and not to threaten him. so now I 'm letting the CFPB take care of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXXF XXXX Account Number : XXXX XXXX. The inquiry was not authorized XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 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 writing to file a formal complaint against Account Name : XXXX Account Number : XXXX for violating the Fair Credit Reporting Act ( FCRA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : Account Name : XXXX Account Number : XXXX Nature of Complaint : Multiple inaccuracies, detailed method of investigation. Who did you verify this account with? Who did you speak with? what time and date did you verify this account? this account has multiple inaccuracies delete immediately. 

Inaccurate Reporting : Account Name : XXXX Account Number : XXXX has reported inaccurate information on my credit report, including an incorrect balance and misleading payment terms for a collection account. This false information has significantly harmed my credit score. 

Lack of Notification : Account Name : XXXX Account Number : XXXX did not notify me in writing about the alleged debt before placing it on my credit report, depriving me of the opportunity to dispute the debt or verify its validity. 

No Contract or Business Relationship : I have never engaged in any business with Account Name : XXXX Account Number : XXXX and have no contractual agreement with them. Their reporting of this debt is unauthorized and unfounded. 

Unauthorized Entry on Credit Report : Account Name : XXXX Account Number : XXXX added this account to my credit report without my consent, violating my right to privacy and the provisions of the FCRA that require accurate and fair reporting of credit information. 

Impact : The actions of Account Name : XXXX Account Number : XXXX have significantly damaged my credit score, leading to potential denials of credit, increased interest rates, and other financial hardships. Their failure to comply with the FCRA has also caused emotional distress and financial instability. 

Requested Resolution : Immediate Deletion of Account : I request the immediate removal of the inaccurate and unauthorized account information from all my credit reports. 

Monetary Relief : I seek monetary compensation for the damages caused by the negative impact on my credit score, emotional distress, and any financial losses incurred due to the actions of Account Name : XXXX Account Number : XXXX. 

Verification and Compliance : I request that Account Name : XXXX Account Number : XXXX provide verification of their compliance with the FCRA and any evidence supporting their claim. 

Thank you for your prompt attention to this matter. I trust that the CFPB will take appropriate action to address these violations and ensure that Account Name : XXXX Account Number : XXXX adheres to the Fair Credit Reporting Act. 

I need this account re-investigated immediately and a new report with the deletions of this account
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Transunion permission to furnish this incorrect information on my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. The inquiries were not authorized by me. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. 

Inquires Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX 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 remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified inquiries without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires are fraudulent and unknown to me, please remove. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXX ( XXXX ) 3 ) XXXX ( XXXX ) 4 ) XXXX ( XXXX ) 5 ) XXXX XXXX  ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 )  XXXX  XXXX ( XXXX ) 11 ) XXXX ( XXXX ) 12 ) XXXX   XXXX  ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX XXXX ( XXXX ) 15 ) XXXX XXXX XXXX ( XXXX ) 16 ) XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting convergent account # XXXX has violated my rights. 
15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 states consumer reporting agency can not furnish a account without my written instructions 15 USC 1668B A creditor may not treat a payment on a account under an open end consumers credit plan as late for and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

After I decided to not purchase a vehicle and I left from the dealer, the sales representative proceeded to send out my credit application with out my consent still looking to get a sale on the vehicle
Product: Credit reporting or other personal consumer reports

I saw that my credit report has some inaccuracies. For instance, I saw that there were inaccurate accounts on there. I don't have any idea why those were reporting as mine so please check the documents I've sent.
Product: Credit card

explain why in the heck captiol One refuse to redo the math for the hardship program that they put me in- meaning they are telling me that it will take me 60 months to pay off a loan {$1500.00} at a 7.4 % at {$42.00} a month The company refuse to tell me how they got their math- this is their response " its whatever the computer say '' XXXX - my math says at {$42.00} a month at 7.4 % it will take 48 months NOT 60 months ... .but you see capitol one refuse to listen- just to let you know I spoke to the office of the president staff and even email the CEO- of course this is something he does n't give a XXXX about. You as a so call consumer financial protection what are you going to do about it that captiol one 's math is wrong and are you condoing that its OK for them to collect more money when they are not suppose to? I want answers!
Product: Student loan

I filed for XXXX XXXX loan forgiveness from Navient and sent in all the supporting documents which they admittedly received XX/XX/2024. I received the response from Navient on XX/XX/2024 stating they deny these requests for various reasons and I do not qualify for this loan forgiveness. They have not provided any reason as to why I do not qualify. I submitted all the documentation showing the deceit of XXXX XXXXXXXX XXXX 

I also qualified years ago for loan forgiveness due to for profit school misconduct and Navient said I do not qualify. 

Further I qualified for the loan forgiveness as part of the class action lawsuit against Navient for unfair loan practices and misleading me into forbearance etc. In this instance Navient said I do not meet the criteria because my loans were not in default. My loans were on in-school deferment as I was getting my XXXX XXXX from XXXX XXXX XXXX via federal loans. 

I have been paying on these loans ( I also have a cosigner ) for XXXX and have paid back the amount loaned plus interest at least XXXX times over. They are treating me as a cash cow and each time I get close to paying off interest, the raise the interest rate. 

They have trapped me and my cosigner ( my XXXX old mother ) in these loans. It is preventing me from being able to purchase a home. I've had to pull from my retirement in order to make payments and use my employment bonuses in order to make payments. 

They have received the original loan amount plus interest XXXX times over and still will not let me out of these loans. They are taking advantage of me and trapping me in a never ending cycle of repayment.
Product: Mortgage

Regular monthly payments on this loan are due on the first of each month and typically made on the last day of the prior month. When I send in extra principal amounts between payments, I expect the principal to be applied on the amortization schedule between the payments it is actually sent between. Instead, PHFA suspends and reorders payments so as to increase the amount of interest charged. The amount of the difference is regularly less than the value of the hours of effort required to get this corrected on my individual account, but the Agency should not be allowed to do that.
Product: Credit card or prepaid card

So this is the third time this has happened with bluebird 's American Express card and hundreds of others are experiencing the same problem. You will get notified that you have received a direct deposit from your job into your bank account but for some reason, the bluebird card website goes down and you have no access to those funds whatsoever except the money that was already on it before you received the direct deposit. Customer service informed me and others that this was due to a system update. ( They should not have notified me of my direct deposit if I can't have access to my money. ) On top of all of this, the website is down and you can't check your balance. Also if you try to call the number bluebird provides you on the back of the card, it is automatic and there is no possibility of speaking to a customer service representative or a live person. I and others are considering a class action lawsuit because no institution reserves the right to hold your money like this. The clear explanation of all of this is interest. American Express is involved in financial fraud and is illegally freezing peoples deposits in order to gain from the interest!!! The LAWSUITS ARE COMING!
Product: Debt collection

I sent a debt validation letter to them and didn't get a response. So then I sent another one, this time it was certified mail. They final responded and sent a generic letter. Then they Failed to Provide Complete Information : Despite my previous requests for complete information regarding this account, the information provided was incomplete or insufficient. As a consumer, I have the right to receive all information regarding any account reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union Credit Bureau are the most ignorant shady think theyre above the law and disgraceful human beings Ive ever had to deal with!! They continue to tell me that none of this will come off my report if they dont want it to!!! 
No Ive disputed these things fraudulent accounts and inquiries some many times they now have stopped me from disputing anything!! So here are the Hard Inquiries that Ive had removed from XXXX and XXXX with out any trouble!! 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent accounts and credit cards Ive disputed many times and Im by not allowed per Trans Union to dispute these fraudulent accounts anymore XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX fraudulenty on line with zero identification and I was told by XXXX XXXXXXXX XXXX they can no longer discuss this account with me because it doesnt belong to me !! 
Balance XXXX credit limit XXXX Possible Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX per my continuous my report This was not my account and Ive been disputing it since it B showed up on my report and nothing has changed on my Trans Union reportphone number listed for this company is never answered have to leave message that never get returned! 

Employment Never worked at XXXX Theres everybit of information on my report that need removed both XXXX and XXXX where amazing and f very happy to remove all of this fraudulent accounts and inquiries!
Product: Credit reporting or other personal consumer reports

This card is no longer open and paid off should not be on my credit report any longer
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the information on my credit report is in accurate among all three bureaus and has so many inconsistencies. I sent a letter to all three credit bureaus asking to validate the debt on my report and they responded with the account being validated and verified. 

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. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OR XXXX Account number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit re
porting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.