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

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Request for Investigation of Unauthorized Credit Inquiry Dear CFPB I checked my personal credit report, and I noticed an unauthorized credit inquiry had been made. 

I contacted : *XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DE XXXX *. XXXX XXXX XXXX XXXX Contact info XXXX XXXX XXXXXXXX XXXX, IN XXXX ( XXXX ) XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit report ; and since my contact with these companies they have not removed these error on my report I request that you investigate the companies listed above about inquires on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove any and all inquiries ( that fall under section 604 of the Fair Credit Reporting Act ), and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Thank you for your assistance in this matter, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX - Late Payment XXXX XXXX XXXX XXXXXXXX - Charge Off XXXX XXXXXXXX - Charge-Off XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because it is affecting my credit score.
Product: Credit card or prepaid card

Hello, My name is XXXX XXXX and Im need to file a second complaint on Care Credit. Last XXXX, XXXX I reported to your agency that I was being charged late fees and interest charges on my account for payments that were made in advance of the monthly due date. Upon my complaint with your organization all of the fees were reversed and credited back to my account. However, this month they started charging my account late fees and interest charges again on my payment made in advance of the XXXX. XXXX due date for XX/XX/XXXX. Ive called several times and they refuse to reverse the charges again. They also have locked my access to my online account. This account is an 18 month 0 % interest account that Ive never made a late payment on. Please advise. 

Thank you! 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the credit bureaus ( XXXX, XXXX   and Transunion ). They have failed to remove information that was affiliated with personal details, that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to upload the law.
Product: Credit card or prepaid card

I applied for a secured credit card with First National Bank of Omaha ( FNBO ) in XX/XX/XXXX. After verifying my identity, I was approved and opened the card with a {$1000.00} deposit in XX/XX/XXXX. I closed the account on XX/XX/XXXX, at which time there were credits on the card ( in the form of store purchases that were refunded ), totaling {$520.00}. Both in FNBO 's User Agreement and during the phone call on XX/XX/XXXX when I closed the account, I was informed that I would receive a refund of my secured deposit ( {$1000.00} ) and all remaining credits ( {$520.00} ) within 30 days. This has not happened. It's been over two months and I haven't received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on TransUnion Report XX/XX/2023 and I noticed that this Inquiries had been made
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a higher line of credit was denied due to a report from transunion, enclosed please find letter from bank and copy of XXXX from XXXX XXXX..XXXX  XXXX, XXXX XXXX and yet transunion XXXX, XXXX points were taken off with no expanation.I have never had a late payment with a 94,000 credit limit.Transunion has been doing this to me for months.compared transunion and XXXX credit reports identical nothing different on any account.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX states There is a need to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and XXXXXXXX XXXX XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared which is backed by XXXX XXXX XXXX which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it consumers and to protect the security and confidentiality of those consumers nonpublic personal information. XXXX XXXX and Navy Federal Credit Union is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX section XXXX 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 written instructions of the consumer to whom it relates. XXXX XXXX, Navy Federal Credit Union, and the consumer reporting agencies XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, Navy Federal Credit Union and XXXX XXXX whether it be verbal, nonverbal, written, implied, or otherwise is revoked. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  states that A financial XXXX XXXX not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX never informed me of my nondisclosure option. Not only that XXXX XXXX XXXX ( XXXX  ) ( XXXX ) states Except as authorized under subsection ( b ), no consumer report containing any of the following items of information any adverse item of information other than records of crimes 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) A states A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 
XXXX XXXX XXXX states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to purposes listed under section XXXX of this title. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, and XXXX XXXX XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Greetings! I am submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting

We did a refi with XXXX on XX/XX/2015 did the closing on XX/XX/XXXX and it did not get to our old mortgage co until XX/XX/XXXX.now the old mortgage.co is reporting us 30 days late for our XX/XX/XXXX payment.I have talked to everyone and no help, everybody at the time assured us that it would be there on time.We have never been late and my husband is a XXXX on XXXX and turning XXXX this coming year .can you please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Company named lending tree use my personal info without my consent and send promotional offers to my email since I opted out from receiving any emails offer from them and I noticed that the fraud my first name and abuse my personal information including my email 's I CONTACT THE COMPANY TO STOP SENDING MESSAGES OR OFFER BY ANY MEANS. 
COMPANY NAME INFORMATION LENDING TREE XXXX XXXX XXXX XXXX NOT NC XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sold an item on XXXX to someone who wanted to pay by check as they claimed to be older and didn't use XXXX etc..The check I received was greater than the sale amount. Buyer claimed bank cut a check for wrong amount, and to XXXX her back the overage. Unfortunately, I did XXXX her back the overage amount, and the initial check was later canceled due to being fake. So I lost the money via a XXXX transfer. The money was sent to South State bank. The buyer also asked to send them my debit card info, as the bank ( south state ) needed that. She also kept asking I send her more money. Included is attachment of conversations via text and email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of privacy and consent of Late payments 15-U.S.C.-1666B 1666B Timing of Payments Pathway Title 15 > Chapter 41 > Subchapter I > Part D > Section 1666b Details Reference : Section 1666b Legend : 1666B Timing of Payments USCode Year : XXXX Provision Content ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX purchased my mortgage loan from XXXX XXXX XXXX, an affiliate, in XXXX while the mortgage was in an approved Covid 19 forbearance. During this transition, I was charged two late fees by XXXX XXXX XXXX whom was informed by XXXX XXXX Credit that the charges were inaccurate and therefore should be voided as they were incorrectly added during forbearance. XXXX XXXX failed to do so and then reported my loan as in serious default ( XXXX XXXX ) which in turn has impacted my credit. Federal Law requires If you were current on your mortgage when the CARES Act forbearance was granted, your mortgage servicer is required to report your account as current during the forbearance period to the Credit Reporting Agencies. However this hasn't been the case. I also recall having to address this with XXXX XXXX XXXX  ( prior 6 months ) prior to this case at which point they removed it, but have since put it back on my report which has caused potential damages to an ongoing credit application. I have obtained FCRA Counsel and per their request was advised to file complaints with the XXXX  and CFPB in addition to any further action that may be taken against said mortgage servicer.
Product: Mortgage

We contracted with a local XXXX company to provide a mortgage for a new home until our current home was sold. 
XXXX XXXX, 2014 : XXXX Mortgage sold the mortgage to SunTrust. We paid on time every month ; no delinquencies. 
XXXX XXXX : I requested payoff figures for the loan by phone and senta check for the quoted amount via USPS Next Day delivery. 
XXXX XXXX : I received a letter from SunTrust confirming the payoff amount, covering the period until XXXX XXXX. This matched the funds I sent XXXX XXXX. 
XXXX XXXX : I received the USPS confirmation, signed XXXX XXXX in XXXX, VA. 
I checked my bank and check XXXX had not cleared, so I contacted SunMortgage by phone and they refused to acknowledge they had received the check. I first tried to use the " secure email '' service on their website but it did not work ; I tried XXXX different browsers. 
XXXX XXXX : my check XXXX cleared my bank. 
XXXX XXXX : I received mail from SunTrust saying I owed them additionalinterest and recording fees. I called XXXX for clarification. They told me Ihad not used " guaranteed funds '' so they only applied my check to the principal. 
They obviously cashed the check without a problem, 13 days after they received it. 
I do n't understand how I can be responsible for their bad management ofreceived funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years  plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Credit card or prepaid card

I have no access to any of my money as it seems likethere is a freze on my name or something... please help
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX - {$670.00} XXXX XXXX XXXX  - {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I have been in contact with the credit bureaus for a few months now regarding some accounts and inquiries that I do not recognize. These accounts are assumed to be fraudulent and when I disputed them according to FCRA-605B with a police report, FTC reports and letters with my personal information to verify my identity : XXXX took care of all the fraudulent accounts and inquiries, XXXX removed a couple and the inquiries, and XXXX removed XXXX collection then added it back. Since the initial dispute in XX/XX/XXXX, I have not received any responses from XXXX or XXXX the last 2 times I sent letters in XXXX and XXXX asking why XXXX removed the fraudulent information, but the other XXXX bureaus have not. Also, the previous addresses reporting are incorrect. I am demanding that these fraudulent accounts and incorrect addresses be removed immediately and the only address that should be reporting is my current address on the letters being sent this month, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I can not count how many day weeks months years I have been trying to work with all three credit reporting agencies to fix the inaccuracies on my report and remove the accounts from my report that are not mine. Is as if all three reporting agencies are intentionally putting me into homeless status. Every other week they create more inaccuracies onto my report. I spend XXXX XXXX days getting them to fix a bunch of inaccuracies such as unknown accounts, wrong social security numbers, late payments with improper dates, unknown inquiries, these are just a few examples of what I've been working on to have removed and before I can even get that set of derogatory removed I get another batch added exhibits are attached to this complaint. When matching up total dept with the XXXX credit reporting agencies on the first page none of the total debts from either of the XXXX agencies match or are correct, then on the next page they all have different totals from what they report on the first page. I have negative accounts that I do not recognize on all three accounts. I have hard inquiries that I do not recognize with all three agencies. I have late payments with dates that I do not recognize, again this has completely crippled my ability to utilize my credit and it is hurting me and hurting me bad! It's been going on for quite a while. I have asked formcredit reports over and over never getting them. Same with current credit scores. What do I need to do these agencies are making money on using my personal data and at the same time for over a year now at a time I need to have my report true and accurate they continue to do the wrong things. My rights are completely being ignored!
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 Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and 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 reporting or other personal consumer reports

Equifax is reporting XXXX XXXX on my credit report this account and balance do not belong to me I have attached a letter from discover advising this as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with some one from Nordstrom XXXX XXXX XXXX letting them know I never authorized nay card to be open in my name I asked Nordstrom if they could verify that I had applied for this card that they are reporting they stated the card was opened on line with my information I did not open this card and this. Closed account reporting is fraudulent, I have also had the same issues with XXXX XXXX I never opened any Credit card through their company they to stated it was an online opened account! During the time I was staying will people while attending school my identity was used I never collected mail from this home I learned of these cards through credited reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize any of these inquiries. The
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint regarding the account XXXX XXXX XXXXXXXX, which continues to be inaccurately reported on my credit file despite my numerous disputes and requests for validation. To date, neither the creditor nor the credit bureaus have provided any contracts, signatures, or proof to substantiate the debt, as required under 15 U.S.C. 1692g ( Validation of Debts ). This lack of response is a clear violation of federal law. Additionally, the continued reporting of this unverified account violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which guarantees accurate reporting, privacy, and confidentiality, as well as 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits furnishing inaccurate information. I am requesting the immediate removal and permanent blocking of this account from my credit report and written confirmation of the action within 15 days. I trust that the CFPB will address this matter promptly to ensure compliance with federal law and to protect my rights as a consumer.