23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I filed a FTC report and submitted it and explained that these Inquiries ar in fact not mine and I want them removed within 72 hours. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not approve of these inquiries and they need to be removed.
Product: Credit card or prepaid card

I ordered my XXXX from XXXX in XXXX and returned it towards the end of XXXX, in line with their return policies which gave me until XX/XX/2022 to make the return. I have chat transcripts that confirm that XXXX received the return on XX/XX/XXXX, but I never received a refund despite multiple attempts at contacting customer service and agents telling me that I would receive communication from XXXX. As such, I initiated a dispute with Apple Card on XX/XX/2022 and I received communication today on XX/XX/2022 that the dispute was not found in my favor because " the items you purchased have not been returned to the merchant for a refund. '' I don't feel Apple Card has handled this dispute correctly, when XXXX has told me that they did in fact receive the item that I returned. Apple Card also never asked me for the screenshots or documentation that would show that I did return the item. Now, I am being told that a new dispute would take up to 90 days, meaning it could take until XXXX to potentially reach a resolution on this case. In the meantime, I am out {$1900.00}. Additionally, Apple Card has not sent me the documentation to explain why the original dispute was not found in my favor as they are expected to.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Laws Dear BRIDGECREST, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically the XXXX  Consolidated Statutes Title 18, Section 4120 ( Identity Theft ). 

It has unequivocally come to my attention that BRIDGECREST has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX identity theft statute, Title 18, Section 4120, criminalizes the unauthorized use of personal identifying information, including its use in fraudulent credit reporting activities. This statute provides strong protections to consumers, and any unauthorized reporting to credit bureaus without explicit consent is in direct violation of my rights. 

I assert with unwavering certainty that I have not provided consent for BRIDGECREST to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that BRIDGECREST immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX identity theft law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX identity theft laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that BRIDGECREST will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

I am filing this complaint under the **Fair Credit Reporting Act ( FCRA ) ** to request the permanent removal of unauthorized inquiries from my TransUnion credit report. These inquiries were made without my consent, violating my rights under FCRA Sections 609 and 611, which guarantee my right to accurate reporting and the ability to dispute unauthorized or fraudulent entries. 

Unauthorized Inquiries : XXXXXXXX XXXX XXXX on XX/XX/year>. XXXX XXXX on XX/XX/year>. XXXX XXXX XXXX on XX/XX/year>. XXXX XXXX on XX/XX/year>. XXXX XXXX on XX/XX/year>. 

I am requesting that the CFPB ensure TransUnion complies with the FCRA by investigating and permanently removing all unauthorized inquiries. 

Thank you for your assistance in this matter.
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 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 XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 card or prepaid card

The company continued to charge interest after the balance was paid in full on a closed account.
Product: Mortgage

I have had financial issues and I was behind on my mortgage so tried calling my mortgage company to make a single payment online and it wont allow me because I was due for 2 month. So I called the mortgage company Village Capital and I have been on hold all day from XXXX for the past 3 days and I do not get an agent on the ring. It will ask me to dial 1 to get a call back and I still have received a call. I filed a complaint with XXXX. Now I have been reported as 60 days. I am also trying to get hold of loss mitigation to look into a loan modification because I dont want to loose my home. Have been making less income and I dont want to loose my house. Im a XXXX XXXX XXXX XXXX
Product: Debt collection

these are NOT my debts -- -- They are NOT collectible by me. Please DELETE from by Credit reports. case # XXXX XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Item does NOT belong to me.
case # XXXX Same as above. Noncollectable NOT my DEBT .... Delete from credit report. XXXX on EQUIFAX - CONF # XXXX  dated XXXX XXXX, 2017 PLEASE DELETE ASAP! Thank You! XXXX XXXX
Product: Credit card or prepaid card

Sometime in XX/XX/XXXX, I started investing in my XXXX XXXX XXXX ( XXXX  ). I wanted to change my life through this business. Since I do not have the funds to invest, XXXX have Seed capital company to help me find funding through credit card applications. One of the bank is from Firth Third Bank. This bank approved me for {$4000.00}. I then use it to pay for my XXXX business expenses on XX/XX/XXXX. There were 2 transaction total was {$3700.00}. 
Due to my business was slow with no sales and commission, I could not afford to pay my Fifth Third Bank credit card. I tried paying on XX/XX/XXXX, {$76.00} and requested to have the late fee waived. The bank did it for the one time only. Then months went on, my business still not doing well and in XX/XX/XXXX, myself and other XXXX business owners found out XXXX has been shut down by Federal Trade Commission ( FTC ). There were heavy ongoing investigation and court cases. Theres a case number XXXX on XX/XX/XXXX confirming the FTC have court cases ongoing explaining how XXXX business function especially it is scamming innocent victim like myself. 
When that happened I was shocked and completely disbelief the scam from a business I heavily invested in, so I filed a complaint to FTC online on XX/XX/XXXX. My reference number is XXXX. 
I did contacted FifthThird Bank to file for dispute due to XXXX scam on XX/XX/XXXX. They told me they will mail out dispute form for me to fill and attach with any supporting documents. Which never arrived. 2 weeks later fifth third bank started to call me daily asking for payments. Without any warning and they continued to call daily including weekends harassing for payment. 
In XX/XX/XXXX I received a letter dated XX/XX/XXXX about my dispute were denied even without given any chance to receive any dispute form and file other than received daily calls asking me to pay money. I called the bank to clarify and was told I have been sent to collection agency and can only make payment through them. 
Immediately after receiving the letter from XX/XX/XXXX, it seems like I can not have my dispute request and been sent to collection. This has been the worse bank compared to other bigger institutions like XXXX. Which they are very understanding and have been working on my disputes. 
I need help with this. FifthThird bank is not giving any mercy for me to help me with my failing business and the credit card dispute from he failing business.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries below are unauthorized and fraud. I have called Equifax and they were able to remove a few but the ones listed below they did not comply with my request to remove these inquiries I did NOT authorized. It was not me. 

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 or other personal consumer reports

My account with SYNCB/AMAZON was never late! I have had exceptional payment history with SYNCB/AMAZON and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

SYNCB/AMAZON Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

This bank is crazy has my XXXX account as deceased as if Im dead and Im alive when I call them they refuse to hekl and update my information sold off to a funeral home crazy refuse to help me with covid 19 I need a settlement thjs is hurting my credit badly
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I noticed hard inquiries that I had no knowledge of on my report. I believe I may have been a victim of identity theft. The inquiries are : XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> Please remove these hard inquiries from my report. I am also attaching my identity theft report.
Product: Checking or savings account

I wired {$490000.00} to a clients account at Bank of America in XXXX XXXX, Texas on XX/XX/XXXX. The Wire should have been {$98000.00}. My bank recalled the wire as soon as we found the error same day and Bank of America will not return it and said it may take several days. The funds came out of a Title Company Escrow Account and went to XXXX Routing Number XXXX for credit to Account # XXXX. It was a Fed Wire and not an ACH. 

The Client has also ask them to send the funds back or let her wire back the overage and they told her they could not do that, That my bank had to recall it which we did but they still will not release the funds. 

My Bank if the XXXX XXXX XXXX  in XXXX XXXX Texas with XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have repeatedly requested in writing that TransUnion remove Possible Finance from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. 

Account # XXXX on TansUnion Account # XXXX on XXXX Additionally, according to 15 U.S.C. 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXXXXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX I asked the dealership not to run my credit multiple times for an auto loan. My request was disregarded.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX applied hard inquiries on XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX When they knew and told me these wouldnt going to effect my credit as a soft inquiry but they are hard. Then they ran my credit knowing they couldnt for two years apart. This violated the fair credit protection act.
Product: Credit reporting or other personal consumer reports

This items should be deleted effectively immediately as its been told to me by fraud department from consumer reporting agencies. TransUnion Accounts in Question are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

XXXXXXXX XXXX XXXX XXXX XXXX {$3400.00} XXXXXXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX # XXXX XX/XX/XXXX -- {$1800.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$2200.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX  {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$37000.00} XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX {$26000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} UNAUTHORIZED INQUIRIES 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: Mortgage

On XX/XX/2021. 
I requested information about a loan on a website. Rapidly the representative from Loan Depot XXXX XXXX, called me to offer their services. With the initial response that Loan Depot was one of the major lenders in the US. 

I told him I was looking for a XXXX loan to cover expenses related to attorney fee 's due to a lawsuit to recover Child Support money owed to me from my daughter 's father who is passed due about $ XXXX. 

I told the agent that I had just re-finance my home two years ago and I knew my credit was not the best and I was working on getting this repaired. 
He mentioned that my debt to Income was too high, which I understood because I'm self-employed and when doing my taxes I expense all of my business related expenses that minimize my income. 
He tried to continue to reach to me but since I had to attend other things in my life. I was not able to finish talking to the agent. I received several text messages from the loan officer. I responded that I was still interested in following up our conversation but I had not time at the moment. 

Today XX/XX/XXXX, exactly a month after I called the representative. I received a Loan Estimate with a Re-Finance at a higher rate of 5.3750 % for 360 months, with an adjustable rate of Initial Period to first Adjustment 84 months, and subsequent adjustment period of 6 months. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX I tried to called the agent which did not responded. So I submitted and email to him explaining him that I had not accepted for them to first run my credit, furthermore to continue with an application for an ARM Mortagage that has a higher APR that I at the moment paying. Furthermore, the total amount for closing includes points which I never requested, in addition to the loan estimate is incorrect in both the liability and the assets section which is also a disregard for the customer 's request. 

The main reason why I'm writing to you is also because they send me the documents to sign via e-sign, however the button " I Do not consent '' can not be pressed even unchecking all the boxes. The only option is to accept the agreement. In this day where the online presence makes it easier for consumers to do things, in this case they take advantage and only allow the conveniently for them to say yes. This type of practices jeopardizes our less savvy computer citizens. Luckily, I have a little more knowledge and took a screenshot of such practices. Please look into this matter, it is not ok that just because they are trying to close a loan that they don't consider the best interest of the customer as per Tittle X this practices are deceptive, unfair, and reckless.
Product: Checking or savings account

The first situation was on XX/XX/XXXX I tried to withdraw money from the ATM located at the XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX using my XXXX XXXX XXXX. Tried to get {$500.00} but the ATM froze. It made a sound like it was about to dispense the cash but nothing came out. Went into the Bank and talked to the XXXX showed my transaction cancelled receipt to XXXX XXXX who said that he needed to audit the ATM. Next day called me saying that in fact there was money at the bottom drawer of the ATM but he needed to double check. Went to the Bank again and he told me there was nothing wrong and the XXXX didn't showed anything wrong. Asked him about the money at the bottom Drawer and he said " I never said that ''. Told him to please verify the ATM video but he refused. My bank opened an investigation but XXXX XXXX XXXX XXXXXXXX responded that there was no mistake and I actually withdraw the money. Because of this my bank charged me overdraft fees. Again on XX/XX/XXXX around XXXX had the same situation but this time at the XXXX XXXXXXXX XXXX XXXXXXXX XXXX Went into the Bank but they are being evasive and couldn't speak to the XXXX. There is an ongoing investigation with my current bank.
Product: Debt collection

From XX/XX/XXXX to XX/XX/XXXX an unknown person hacked into my XXXX account and was able to access my payment information and make a number of fraudulent charges online at XXXX totaling to approximately {$2000.00}. The person changed my address on file to their address in another state and used my name to have the items shipped to their home. One of these fraudulent charges, totaling to {$500.00} was denied by my bank therefore XXXX paid the company XXXX directly. As a result, I did not get refunded by my bank and XXXX requested that I resolve the negative balance with my own money, even though I did not make this fraudulent charge. I have filed several claims and opened several cases with XXXX, however they refuse to verify factual information and complete the proper investigations to resolve this issue. I have also filed a police report and am in communication with a lawyer to determine if legal action needs to be taken against XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to XXXX and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.