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

Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXXXXXX on XXXXI dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these

unauthorized inquiries immediately.

Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Checking or savings account

Hi I made multiples payments to wrong lender and was never able to receive my payments back through Zelle. 
Zelle was transferring money that wasnt supposed to be token out my account over time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account from XXXXXXXX XXXX XXXX should not be on my credit report. The account is in litigation. There is no evidence account was initiated for or applied for by me. Account Ownership is incorrect and fraudulent. 

Account Info : Account number XXXX Collection opened XX/XX/2020 Account type Collection XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple inaccuracies on my credit report and to bring to your attention the violations of my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Despite submitting disputes to the three major credit bureaus ( XXXX, XXXX, and TransUnion ) on XX/XX/XXXX, I have not received any responses. My name is incorrect and I believe someone may have tried to open accounts in my name. I have never went by the last name XXXX. 

In accordance with the Fair Credit Reporting Act ( FCRA ), the following accounts have reported inaccurate information, thereby violating 15 U.S.C. 1681s-2 ( a ) ( 1 ), which states that 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 Account Number : XXXX XXXX XXXX Account/SSN : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account/SSN : XXXX XXXX XXXX  SSN : XXXX XXXX  Account/SSN : XXXX XXXX XXXX  Account/SSN : XXXX XXXX  Account/SSN : XXXX XXXX Account/SSN : XXXX XXXX Account/SSN : XXXX XXXX XXXX XXXX Account/SSN : XXXX These inaccurate accounts have significantly impacted my credit report, and I have not been afforded the resolution required by law. The lack of response from the credit bureaus further aggravates this violation.

I am requesting the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that these inaccuracies are corrected or removed from my credit report in compliance with the Fair Credit Reporting Act.

Thank you for your attention to this urgent matter. I look forward to your prompt resolution of these violations.
Product: Mortgage

This is a followup to CFPB complaint XXXX TD Bank has not honored promises made in response to the above captioned case. 

No resolution has been reached concerning the modification, and I continue to receive inconsistent and erratic answers concerning my loan status depending on who I speak with. On XXXX, I called to request that TD Bank resume sending me normal monthly mortgage statements, an extremely basic and rudimentary request. 

Instead, I was told by one representative that a form bearing my signature was received on XX/XX/2023 ( well after the 30 day underwriting deadline promised by TD Bank in writing ), and would need an ADDITIONAL 30 days processing after that. The next person I spoke with told me that there was a notation on my account on XX/XX/2023, which indicated that the modification was rejected due to incorrect payment amount. No further explanation was offered. 

I am extremely disappointed at the fundamental failures of your company to perform basic promises made in writing to me and to the CFPB. For this reason, I have reopened the CFPB case to achieve resolution of the modification on my account.
Product: Credit reporting or other personal consumer reports

To all the credit berau TRANSUNION XXXX AND XXXX, recently they have been into a settlement for doing all this kind of fraud by not removing information that is not mine of my credit report as this inquiries 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 XXXXXX/XX/XXXX. All this inquiries are fraudulently done and needs to be removed of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I would like to flie an complaint with cash app ( block inc. ) due to inadequate customer service and unfair practices consumer financial protection act ( CFPA ) they failed yo take protective measures or timely measures or effective ones to to prevent or adresss fraud leaving my account vulnerable and unprotected they dispute and resolutions were unfair deceptive as they dod not comply with error resolution requirements electronically transfer act or regulation. These actions have cause significant inconvenience and financial loss i seek redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act Total Visa, has violated my rights.

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604A section 2 : it also States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open-end Consumer Credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, issues hard inquiries on my account on XX/XX/2018, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. I never requested XXXX XXXX XXXX services or authorized them. 
Initially I raised a dispute with Equifax ( Equifax Dispute Confirmation # XXXX ) but aren't of any help. Asked me to check with XXXX XXXX XXXX services. 
Today I called XXXX XXXX XXXX services and they are saying your mobile number is not associated with any of our services and asked me to check with my creditor ( Equifax ).
Product: Checking or savings account

On XX/XX/2019, I noticed a fraudulent withdrawal of {$1800.00} on XX/XX/2019 from my Checking Account. It stated " CA TLR cash withdrawal from XXXX ''. This fraudulent withdrawal happened in XXXX, California. I was working that time in XXXX XXXX, California. 
I have never lost my wallet/debit card and the transaction stated it was Teller Cash Withdrawal. If someone is withdrawing this large amount of cash, shouldn't the teller have to check the ID? Shouldn't that be the bank 's protocol? If they did, they should've caught that it wasn't the correct person. Why wouldn't the Bank check each individual customer 's ID 's to make sure this doesn't happen? 

I locked my debit card right away when I found this out and a couple hours later, this theft tried to withdrawal money again. This theft went to another branch in XXXX XXXX, California to withdrawal more money. But since my card was locked, it was denied and I received an alert email. 

When I first called the Check Fraud Department, they said they'll resolve this issue in 60 business days. They did not keep this promise. It took longer than 60 business days. I had to call multiple times to get any answers and they told me to keep waiting and there's nothing I can do. 

I was notified today that the claim will not be honored for the following reason : " Your ATM/Debit Card and PIN were used as identification during the transaction ( s ). '' After waiting more than 60 business days, they just send me a PDF with that simple explanation. What did they do to help their loyal customer? This is an outrageous result.

If the Check Fraud Department would check the surveillance camera video, it will prove that it wasn't me who took out the money. From researching, it seems like Bank of America does not care about all of their customers. They only pull videos for claims over {$5000.00}. I need to receive my {$1800.00} back. {$1800.00} all the money I had and is a large amount of money for me. 

Why does Bank of America allow fraud to go unchecked if it's under {$5000.00}? 

On Bank of America 's website, it states, " {$0.00} Liability Guarantee will credit fraudulent transactions made with your debit card back to your account as soon as the next business day if your card is lost or stolen. '' My card wasn't even lost or stolen, and they are refusing to refund my money. 

This is unfair and unprofessional for them to just deny my claim. 
Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  SHOWING AN LOAN ON MY XXXXXXXX XXXX  AND XXXX THAT IS NOT MINE
Product: Credit card

Barclay cards is a company of thieves and and false advertising. They promised to open a credit card in 3 days with express delivery. However, then they say 7-10 days when I speak with them. Opening and closing credit cards destroy one credit report. Please ask them to delete the credit card ending in XXXX for all credit bureaus ( XXXX ). I will not stand to have open and closed accounts, with false advertising from representative and websites. This destroys credit score with fallacious information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were fraudulent accounts on my Equifax credit report and I asked Equifax to remove these accounts and they failed to do so.
Product: Checking or savings account

On XX/XX/XXXX I applied for a checking account to fulfill the requirements for an advertised {$200.00} bonus. I've included a snapshot of the bonus advertisement. I received a {$350.00} direct deposit, fulfilling the bonus requirements, and have been waiting for the bonus to post. I haven't heard back from a message I sent XX/XX/XXXX.
Product: Debt or credit management

According to 15.USC.1692c, Experian has violated my rights by un lawful communications by not removing reports from my credit, I would like to file a complaint and remove all records from my credit report please thank you, I have closed 2 accounts under the name of XXXX XXXX XXXX XXXX and cXXXX XXXX XXXX XXXX  and they have not responded
Product: Checking or savings account

a client in XXXX of ours for over 12 years had someone depoist XXXX asked us to make a bank transfer to XXXX for {$420000.00} as he owed our company also over {$9000.00} we waited 10 days to make the bank transfer then 7 weeks later our bank took the {$49000.00} and gve back toi the person that depoist it to our account without letting our comany know or given us a chance to argue that money should not be given back since the bank gave the money back we also put a claim to ask our bank to return the bank transfer we made to XXXX but they never got the money we ssent back so our company is out {$49000.00} whiihc has hurt our company and the bank has nto tried to help bank of america ouor accoutn XXXX new york branch
Product: Vehicle loan or lease

I have been with Bridgecrest since XXXX and I have finance a XXXX XXXX XXXX since having this car I have requested extensions through challenging experiences in my life in this past week I owed a balance of {$1900.00} in which I paid using my debit card to Bridgecrest on XX/XX/XXXX. They told me as long as I pay my past due balance I can change my frequency date from every two weeks to monthly now theyre telling me that Im unable to change my frequency date because it will push out my maturity date on my contract. Different representatives have told me multiple times Im able to change my frequency date and they are not allowing me to do so. I also understand that they are putting me in a position to get the car repossessed.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : My payments were made on time, but due to a clerical error by the creditor, the payments were incorrectly recorded as late. The payment confirmations from my bank show that the payments were cleared well before the due dates. I have enclosed copies of these confirmations for your reference. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

In XXXX, i hired the service of the Company XXXX, wich this company stopped providing service after the passege of hurracane Maria in XXXX. For this reason the contract is canceled. By the middle of the years XXXX the collection company MontainRun Solution reports a debt of {$1200.00} for payment no made to XXXX, its is wihout sending me any tipe of collectuion invoice. For the moth of XX/XX/XXXX, i send an explanatory latter to Montain Run Solution indicating that said charge is ilegal. At this date im not recive comunication by Montain. I call Montain Run and i asked copy of the contrac but they indicate it was no possible.
Product: Credit reporting or other personal consumer reports

I see that the listed companies, Experian and XXXX has not responded to my initial dispute of these unauthorized inquiries. Because of this, the dispute must be valid. They have not complied with the FCRA when it comes to responding to my dispute. I demanded that they remove the inaccurate inquiries but they still have not responded after several months. 


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: Credit reporting, credit repair services, or other personal consumer reports

An housing court record is currently displaying on my credit history. This record has impacted my ability to apply for apartments. I have lived in XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX NY XXXX from XXXX to XXXX. In XXXX, I settled an outstanding balance with Property owner XXXX XXXX XXXX XXXX. However, there is a record displayed on my credit record. I would like it to be removed so I could apply for apartments in the future. I was not able to have any record from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have no knowledge to how these cards were open. I just recently filed XXXX XXXX Bankruptcy and now I have credit cards OVERDUE on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has committed numerous violations of the XXXX. Its rules, orders, and standards governing consumer complaints adopted by the XXXX 's jurisdiction. As a result of this cyber theft my identity was stolen. My credit score has been severely affected by HARD impacts. I have had issues for applying for new Credit Cards, Or loans for my business. To make matters worse i was NEVER contacted by Equifax to make me aware of the situation. I found out via XXXX XXXX from a creator and had to utilize time to gain more information regarding this breach. Its terrifying to know FRAUD has taken place without the knowledge or consent of the people they are impacting, like myself. They must be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, my discovery revealed XXXX, Trans Union, XXXX, and XXXX XXXX breached my trust selling personal, sensitive, and credit information to foreign entities damaging my history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. As 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. Per US Code 1028 ( a ) information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. 

Identity thieves exploited a security weakness in the website of XXXX. XXXX requires that those seeking a copy of their credit report successfully answer several multiple choice questions about their financial history. But until the end of XXXX, XXXX website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was the persons name, address, birthday and Social Security number.
Product: Credit card or prepaid card

Ive had Grain ( The credit card debt card ) for a little over XXXX years now, recently I close my XXXX XXXX account and I need to update my banking information with Grain. Ive sent over XXXX emails called over XXXX times. I am still not able to get a hold of any customer service to assist me with this problem now this problem is going to ruin my credit because no one is getting back to me to help me with this problem and I have interest fees accumulating on in like XXXX $ charges that can simply be fixed if somebody would just reach out to me and help me with this!