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

I have tried numerous times to get this company to validate their claim that I owe. They are unable to produce any evidence that I owe them. I believe this account might be related to my ex-husband. I would like them to produce a signed contract or remove this entry from my credit report and cease all communication with me.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. 
XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/2023. 
XXXX. XXXX XXXX XXXX & Inquired on XX/XX/2023. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
604 - 15 U.S.C. 1681b ( 3 ) Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my XXXX XXXX XXXX. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) by your agency. My name is XXXX XXXX XXXX, and I have recently discovered that certain items in my credit file were previously deleted, but they have been reinserted without providing me with the required notification within 5 business days. Furthermore, it appears that these items were not properly validated as per the certification requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has ripped me off for years. First I have HARD INQUIREY from XXXX XXXX XXXX LOANS. This qas XX/XX/2021. I have done everything to show them this is their fault or computers fault. I don't know about fraud because how could they get past credit freeze which has been on report for years. What ever issue they transferred everything to XXXX and they actually are taught to do everything to say your wrong. How is our credit ruled by XXXX personel. This is there mistake and after paying them thousands to help with credit they have done nothing but be unproffessional.How could a hard inquirey go through with credit freeze and they don't follow FCRA sections like to XXXX every thing they did to show how they investigated. This isfeaud by the 3 biggest credit agencies because I have same prob l m with a company on each bureaus.
Product: Debt collection

This is not my debt, the companies has received multiple police reports and FTC reports showing my identity was stolen, even the person stole it was caught. Even mo9re so, this company has broken MANY federal laws, as i am the " Consumer '' and never validated any of these debts. With all the supporting documents, i am still being harassed and reputation tarnished and affecvting my future because of laws being broken and false reporting that i have never gave written authorization to do so 15 USC 1681 [ B ] states
Product: Debt collection

Receivables performance management, begin contacting me 6 months ago. Attempting to obtain a debt owed from a XXXX leasing program that has ended in 2018. Theyve threatened to damage my credit by saying if reported it would show as a repossession. I havent been in the XXXX leasing or had any contact with XXXX since turning in the car in 2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had over 60 inquiries that I had no knowledge of I didnt give anyone permission to run my credit. I also have addresses on my report that I never lived at. I have a police report that I uploaded. All three credit agencies I dont have any credit cards nor do I have any personal loans. I would like all these items removed
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit item listed on my TRANSUNION, XXXX AND XXXX credit  file is not being removed after 7 years and is a violation of my consumer rights : XXXX XXXX  - $ XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, my husband and I went to a XXXX auto sales place in XXXX SC. We both signed a document that allowed the sales representative to pull our credit. I am XXXX XXXX and my husband is XXXX XXXX. Once the sales package was presented to us on a XXXX XXXX XXXX, my husband, XXXX XXXX, declined the sales offer. In order to purchase the auto in just my name, I had to come up with more down payment. I have tried for 5 years to straighten this out with XXXX XXXX who handled the loan and they continue to say my husbands signature is on the loan when it is not. Due to XXXX XXXX refusing to remove my husbands name and derogatory credit history from all 3 bureaus, it has caused my husband to not qualify for other credit products. My husband wants this unfair credit reporting completely removed from his credit file. Whatever signature XXXX XXXX is going by is not my husbands signature
Product: Bank account or service

on XXXX/XXXX/2015 I deposited a check for XXXX dollars a standard hold was placed on the check. An additional hold for XXXX dollars was also placed on my acct. overdrawing my acct. by XXXX dollars. The branch manager has told me this is standard practice however I am being assessed fees every time a purchase made on XXXX/XXXX/2015 clears. The check had writing on it for bankruptcy/moving expense 's and I feel this was a malicious act by the teller. I have deposited other checks of equal sums and not had a double hold placed on them.
Product: Student loan

I paid for a private loan under Genesis for a program I attended in an XXXX XXXX that is now closed down. I am eligible for a federal loan settlement due to the campus, program, and year I attended ; it is one of the many that are being sued for giving false information to students about job placement rates since XXXX XXXX. I paid for a Genesis loan, and asides from having been sued in XXXX for high-interest rates and causing 60 % of students to default while going to school, it turns out that from the start students were lied to about the chances of finding a job. I want a refund from this loan and can not get ahold of my private Genesis lender.
Product: Debt collection

Received call informed collection person I was at work and didnt have the time to talk to verify the debt he got mad and said im just trying to get him off the phone and not pay
Product: Debt collection

I SENT NORTH AMERICAN RECOVERY ON Debt Validation Request XXXX ALSO CALLED THEM ON XXXX AND XXXX AND STILL HAVE NOT RECEIVED THE INFORMATION THAT I REQUESTED
Product: Credit card or prepaid card

On XX/XX/2021, Discover offered me a promotion - " Youll get a {$45.00} statement credit when you activate this offer and sign up for a new {$45.00} XXXX XXXX XXXX membership online or in club with your Discover Card by XX/XX/2021 ''. Here are the terms from the email " Offer valid when you purchase a new {$45.00} XXXX XXXX membership. Offer good when you join online or in-club as a new Club member. New member can not have been a member within the last six months. Offer may not be combined with any other XXXX XXXX offer or promotion. By accepting this offer, you authorize annual recurring charges to any card on file for your XXXX XXXX membership fee ( s ) plus any applicable taxes at then-current rate every year until you cancel. Visit XXXX or a club or call XXXX for full terms or to cancel autorenewal. Offer excludes Plus membership, membership renewal, membership upgrades, add-ons, additional memberships, pre-paid membership or XXXX XXXX Gift of Membership. Only memberships bought in the United States are eligible for this promotion. Only one statement credit per new primary member. XXXX and XXXX XXXX associates are not eligible for this offer. Must be 18 or older to purchase a membership, and membership is subject to qualifications. Offer eligible only if activated via the link in this email or site when you use your Discover card to purchase a {$45.00} XXXX XXXX membership now through XX/XX/2021. Offer fulfilled as a statement credit within XXXX billing cycles after the end of the promotion. '' I made the purchase using my Discover card on XX/XX/2021. Every month, I contacted Discover to ask where my credit was and they said it would take 3 billing cycles from XX/XX/2021. So I contacted them again on XX/XX/2021 and they informed me that some people that applied for this promotion did not qualify, but that they could not provide me with any reason or information for why I did not qualify. Then, I showed them my offer email and asked which condition I did not meet and they told me that I may see the credit by XX/XX/2021, but did not explain why they suddenly changed their mind. How does this make any sense?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late COLLECTIONS XXXX XX/XX/2017 {$410.00} not mine XXXX XX/XX/2017 {$41.00} not mine
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX 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/year>
Product: Credit card or prepaid card

My card was stolen and used all my money was stolen from my unemployment claims
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS ARE REPORTING INACCURATE INFORMATION AND HAS PUT ME IN FINANCIAL DIFFICULTY MACYS/CBNA ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I went to a website XXXX to make a purchase, when checking out all looked normal I used PayPal and my credit card, the site did not add tax, I noticed, then asked to describe item I was purchasing so I did, I thought that was weird. Then shortly after completing I went to PayPal noticed this amount was listed as a Friends and Family transaction. I did not authorize that type of payment to my knowledge. I instantly filed a dispute with PayPal. Then PayPal allowed the charge to process and said it was not a covered dispute transaction. I then was directed to notify XXXX card who is also refusing to allow a dispute of the transaction. PayPal was notified within minutes, if the transaction on XX/XX/22 and XXXX as soon as I saw charge went from pending status XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my credit report, I have tried to have them removed but the credit bureaus will not help me. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX open on XX/XX/2015 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 15 U.S.C 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 or other personal consumer reports

Havent been able to get my score or report from transunion for over 2 years
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX CO, XXXX XXXX XXXX : - XXXX & XXXX XXXX XXXX XXXX {$110.00} XXXX & XXXX XXXX XXXX XXXX {$960.00} XXXX & XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXXI, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXS Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you. This has left me in dire financial stress
Product: Checking or savings account

XX/XX/XXXX my cell phone was stolen. I immediately reported this to the bank and to the police. Today XX/XX/XXXX I received a letter from TD Bank stating that they didnt find 2 transactions fraudulent and that I would have to pay it. The two transactions were 2 {$800.00} XXXX XXXX balance add XXXX. TD Bank sent me back the money immediately after it posted, but today I just got a letter saying they didnt detect fraud and will be taking the {$1600.00} back on XX/XX/XXXX. I have a police report I filed on XX/XX/XXXX about my phone and money being stolen.
Product: Mortgage

I applied for a recast of my mortgage to AmeriHome Mortgage ( NMLS ID XXXX ). I received written approval dated XX/XX/2020 to move forward with my request. I wired {$80000.00} on XX/XX/2020 to XXXX Recasts as per the attached instructions. The funds were received and processed on XX/XX/2020. 
As in the attached documentation, I was to receive a loan modification agreement 7-10 business days after this. However, I have heard nothing from anyone at AmeriHome. I have called too many times to remember, but each time I do, I hear a different excuse or am put on hold to eventually be disconnected. My wife and I feel like we have been scammed and would appreciate any help. 
I would like to add that I have also had my PMI removed from this mortgage with this same company. That transaction was quick and easy. Something is amiss with the recast. 
You can attempt to reach them at XXXX or any of the numbers listed on their webpage.
Product: Mortgage

My mortgage has been totally messed up since XX/XX/XXXX. There are two payments missing from XX/XX/XXXX. Told me I would be approved for modification but they foreclosed me 6 months later after telling me I was denied one week before foreclosure. Forced to file chapter XXXX to save home. Could n't afford payment so bankruptcy was dismissed. XX/XX/XXXX Wells Fargo contacted me saying I was now apvd for modification and in a panic I signed because it would save my home and remove my exhusband. After finding out my ex was not removed from original note I read the final papers that added in XXXX plus in fees with a balance {$10000.00} more than when I purchased home in XX/XX/XXXX. Now I face another hardship and durning mediation the rep for Wells Fargo wanted permission to go ahead with forclosure even though I had an app with XXXX. He stated I was going to end up having to file chapter XXXX anyway which was very unprofessional, sarcastic, and very untrue. I was given more time but this shows me Wells Fargo is not trying to help borrows they are trying to force everyone into chapter XXXX so they can add fees that should not or has not been needed. I received a letter stating I was charged almost {$4000.00} on XX/XX/XXXX for forclosure attorney fees. We did not go to mediation until XXXX and I was given 60 days at this time. After all the lawsuits ; this lender is still performing illegal lending practices and breeching privacy due to providing my ex with the history of payment when he is NOT on the deed of trust or mortgage loan, just the note.
Product: Checking or savings account

On XXXX XXXX XXXX I wrote a check to XXXX XXXX XXXX to hold an appartment for me. That same week I decided against that apartment complex and called up told them I changed my mind and wanted to pick up my check. They assured me that it would be destroyed and there was no need for me to come get it. Fast forward to XXXX of this year XXXX. The check came out of my account on XXXX XXXX XXXX. There was no signature but mine and no endorsement. I called Bank of America up right away and reported the fraud. At first they would not accept my claim because they said I wrote the check and it was my responsibility to get the money back. After a few days of me calling obsessively they agreed to investigate on XXXX XXXX XXXX. They refused initially to give the money back to me in a credit but they decided to do so shortly after the claim was submitted. Fast forward to XXXX XXXX. There was a debit that came out of my account for the said check. Immediately I called Bank of America and they said my claim had been denied and that they had sent me an email stating the reason and the date the temporary credit would be taken from my account. I have received no such letter. As of XXXX XXXX I have called everyday trying to get copies of that denial letter and a copy of my fraud statement that I sent in to Bank of America in late XXXX early XXXX. They keep giving me the run around. Today XXXX XXXX I called again to get my information and they were having technical difficulties and I was advised to call back in an hour. Since this debit my account has become overdrawn and my checks returned. I have tried to explain to Bank of America that I did not even have any notice or time to make sure that debited amount was in my account so that I didnt have these issues and it has fallen on deaf ears. I just want them to admit fault and return my money back. It is not right because this is a clear case of fraud and a stale dated check and they told me Its my responsibility to get money back from I do not even have a clue. Ive been a customer for almost 12 years and I have never been so wrongly treated.
Product: Checking or savings account

The light company said they sent my money back a month ago and the bank is steady saying they haven't received the payment yet and I need my money now
Product: Bank account or service

I MAKE A PURCHASE, WITH MY DEBIT CARD, I NEVER GET THE SERVICE, I PAY FOR, I FILE A DISPUTE WITH ALLY BANK, THE OPEN THE THE CLAIM, THE SEND A NOTICE TO XXXX XXXX REFUND THE MONEY TO ALLY BANK, ALLY BANK NOW REFUSE TO CREDITE MY ACCOUNT.
Product: Credit card or prepaid card

I went to Home Depot to purchase items where I was told I could sign up for a rewards card. They proceeded to get my personal information. I was sent a Home Depot credit card I NEVER asked for or was informed of. I immediately called and cancelled the card. I went to Home Depot a few more times and used either cash or my personal credit card from credit union. Somehow with my information they charged bills to the Home Depot card through Citibank. Apparently the card I had cancelled and NEVER used. I feel lied to, duped and very foolish. I just wanted a simple rewards card and they swindled me. I don't want to pay this fraudulent feeling bill! I want them to release my info, absolve the bill and all contacts with me. They straight up lied to get my personal information and I'm horrified with them.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX XXXX XXXX XXXX # 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.