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

I am submitting this complaint regarding inaccurate and unauthorized inquiries reported on my Equifax credit report. These inquiries are not associated with any accounts or credit applications initiated by me, and I have no knowledge of their origin. Despite my efforts to dispute these inquiries directly with Equifax, they remain on my credit report, negatively impacting my credit score and overall creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. By failing to verify the legitimacy of these inquiries and continuing to report them, Equifax has violated its legal obligation to maintain accurate and reliable consumer credit information.

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus must conduct a reasonable investigation into such disputes. Despite my attempts to resolve this issue, Equifax has failed to conduct a proper investigation or remove the inaccurate inquiries. 

These unauthorized inquiries are causing undue harm to my credit profile and XXXX result from identity theft or other unauthorized activities. XXXX failure to address these inaccuracies undermines the integrity of the credit reporting system and unfairly penalizes me as a consumer. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek the immediate removal of all unauthorized inquiries from my Equifax credit report and assurance that Equifax will take appropriate steps to prevent similar inaccuracies in the future. 

Thank you for your attention to this matter. I trust in your assistance to ensure compliance with federal consumer protection laws and to restore the accuracy and integrity of my credit report. 

XXXX XXXX XXXX XXXX : XX/XX/XXXX + XXXX XXXX  ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX. 
( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX AUTOS XXXX XXXX : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX + Credit Unions XXXX XXXX XXXX : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Credit Unions ( XXXX ) XXXX XXXX AUTOS XXXX XXXX : XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Credit Unions ( XXXX ) XXXX XXXX AUTOS XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Personal Loans Cos. 
( XXXX ) XXXX XXXX XXXX XXXX  DEALER Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX
Product: Checking or savings account

I am writing to formally request clarification and resolution regarding a {$300.00} bonus I was eligible to receive after opening a Citibank checking account on XX/XX/. According to the terms of the promotion, I was required to meet a threshold of {$1500.00} in enhanced direct deposits, which I have since fulfilled. 

Despite meeting these requirements, I have encountered conflicting information through your support team via chat regarding the status of this bonus. Some representatives have given me unclear or inconsistent timelines, leaving me uncertain as to when I will receive the bonus, or whether I will receive it at all. 

I kindly ask that you review my account and expedite the disbursement of the {$300.00} bonus I am entitled to. I have fully complied with the promotional terms, and I would greatly appreciate receiving the bonus as soon as possible. 

When I attempted to clarify this matter with your support chat, I was instructed that I was required to deposit {$3000.00} in order to receive a bonus. This is not at all what the offer page on the website said. 

Please respond at your earliest convenience to confirm the status of my bonus and provide an expected timeline for when it will be credited to my account.
Product: Payday loan, title loan, or personal loan

I took out a personal installment loan for {$5000.00}. I realized it was at a high interest rate but never did I realize the excessive rate. I have a payment of {$550.00} per month and yesterday I found out from the creditor that only {$10.00} per month of that is going towards principle. I would have NEVER taken the loan if I had known that was the case. It was not explained to me in the loan process. 

I TOTALLY realize that there are a lots of places out there like this one. I have  had them before but never to this extent. 

My complaint is that creditors should first of all explain this upfront in the loan signing process. Our government laws should but NEVER allow companies to rip off people this way. My credit scores are low but I do make my payments. 

I also want to know the organizations and/or government agencies that are working on correcting this abuse to consumers so that I can follow up with them. 

I will also be sending a letter to congress voicing my option. 

Any information that you can provide me to get involved in stopping this is greatly appreciated.
Product: Debt collection

The first notice I recall receiving from Johnson Mark LLC dated XX/XX/XXXX. It notified me that XXXX XXXX retained them to collect a debt. XXXX XXXX did not notify me that my payments stopped going through. There was adequate money in the account. I had no idea until this XX/XX/XXXX letter. Johnson Mark LLC had me served with a summons on XX/XX/XXXX. I set up a payment arrangement with them prior to this. XXXX XXXX never called me or reached out. I would like to be able to just pay {$100.00} every two weeks and have the suit dismissed. I have been temporarily living at a different address since XX/XX/XXXX because my apartment building has communal bathrooms and is a covid risk. Letters must have been returned to sender to XXXX XXXX. They never attempted to locate my new address or call.. I had no idea I was behind on payments.
Product: Credit reporting or other personal consumer reports

Per consumer law 15USC 1666B, Transunion is directly violating my rights.
Product: Money transfer, virtual currency, or money service

Cash app does NOT provide any support to its platform users and allows scams to happen even after they are reported. They do not help protect against fraud and only leave it up to the person who committed the fraud to issue refunds. They were contacted several times between XX/XX/XXXX through the XXXX and would not provide support about this issue and just deny you support and hand up on you. This is serious unfair trade practices and must be stopped. Cash App puts you with an advocate who just tells you its your own fault and that they cant help its platform users.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. These items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/ Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding a settled account inaccurately reported as a charge-off by TransUnion and XXXX. This account was settled for less than the full balance, yet both bureaus continue to report it derogatorily, negatively impacting my credit profile. 

XXXX reflects the account as " {$0.00} paid '' and " legally paid in full for less than full balance. '' However, this designation still adversely affects my creditworthiness, prompting my request for deletion from all three bureaus. 

These inconsistencies violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ) regarding accurate reporting and 1681i concerning my right to dispute inaccuracies. Additionally, the reporting of charge-offs for multiple months may violate regulations on timely reporting. 

I request the CFPB intervene to ensure TransUnion and XXXX delete this account entirely and to work with XXXX to remove it as well. Its presence misrepresents my creditworthiness and has caused me undue stress. I urge the CFPB to take action to protect my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is unbelievable. I check my credit and I cant understand how someone stole my identity and get away with it they open up Credit Cards and then brought a Car using my information.

how is this possible don't every company has to do there due diligence for every customer with out my signature. all of theses Accounts are fraud and was not authorize by me
Product: Credit card

I received an alert from XXXX stating that there was a hard inquiry on my credit report to US Bank Consolidated for a credit card. I did not apply for any credit with them.
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit card

My wife had I have had a credit card since XX/XX/XXXX at a rate 0f 8.9 %. Bank of America has held the account since XXXX while MBNA and XXXX were predecessor banks from which they purchased the account. Recently while trying to use the card we discovered that the account had been closed. We 've been told that the account was cancelled somewhere between XXXX XXXX and XXXX XXXX. Current statements from the bank show an available balance of {$3100.00} and an outstanding balance of {$27000.00} I contacted the bank today and spoke with the following BofA representatives : XXXX - Customer Service Department XXXX - Compliance Processing and Monitoring Department XXXX XXXX - Credit Card Services Sometime between XX/XX/XXXX and XX/XX/XXXX a letter was sent to us requesting that we update information on our credit file. We did not see this letter. It was probably thrown away with all the other junk mail we get from various banks. The BofA policy is that the account be terminated if the information is not received. 
All of our dealings with BofA on this account have been conducted electronically. We get statements and we pay on line. 
1 ) Why was n't the request for updated account information made through electronic channels since that was the way we had been dealing with BofA for the past ten years? 
2 ) Why was n't a follow up attempt made to reach us for the information considering the length of time we had maintained the account? 
3 ) Why did n't we receive a notice of the account closing? 
4 ) Why does the current monthly statement show the account open with available credit? 
In speaking with the above bank representatives I have provided the updated information they required. They have told me that federal regulations require that they update their credit information file and if it is not supplied that the account be closed. There is no requirement that the request for updated information be sent in anyway other than by mail. I asked for a copy of the letter that was sent and requested the date on which it was sent but was told the representative could not provide that information. 
When completing discussions with the Compliance Processing and Monitoring Department I believed that I had provided all that was necessary to reinstate the account. 
I was transferred over to Credit Card Services and told that too much time had passed and that the account could not be reinstated but I could reapply for a new credit card at the a rate of 13.24 %, if approved. 
I feel that that the cancellation policy that only requires a mail notice for information with no additional follow up is an unfair practice and continuing to send me statements showing available credit is a deceptive practice.
Product: Mortgage

I opened an account with XXXX XXXX XXXX in XX/XX/XXXX .... made a final payment in XX/XX/XXXX .... the home was foreclosed on in XX/XX/XXXX. Why am I still receiving negative marks on my credit report in XX/XX/XXXX? 

I spoke with XXXX and they said they no longer had the loan and that Select portfolio took this loan over in XX/XX/XXXX. 

I would like this removed as it is well beyond the time limit. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I disputed online. 
XX/XX/XXXX I disputed accounts online. 
XX/XX/XXXX I disputed accounts online. 
XX/XX/XXXX I disputed accounts online. 
XX/XX/XXXX I sent out a letter to each bureau. 
XX/XX/XXXX I mailed out a letter to each bureau. 
XX/XX/XXXX I mailed out a letter to each bureau. 
I have multiple fraudulent inquiries on my account as well as accounts.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolutionXXXX XXXX XXXX XXXX I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the [ Name of Local Law Enforcement Agency ] and the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference.
Product: Checking or savings account

The transition from my Simple account to their partner bank BBVA USA has left me unable to access my account, my funds, or even to close it. There has been no outgoing communication from the bank, password resets are non functional, and the call center is completely unreachable after weeks of attempts. I no longer even care to transition, simply to close my account and move on, but it has proved impossible, several weeks later, to even do this. The most communication I have received on their impromptu seizure of the balance of my account was from finding them on XXXX, of all places.
Product: Student loan

I am the co-borrower on a joint consolidation loan. My ex-wife and I are part of a group of people affected by the Joint Consolidation Loan Separation Act. We have filed our paperwork for intent to separate our consolidated loans as soon as this becomes available. In the meantime, we'd like to take advantage of the administrative forbearance until the law is fully implemented. We had a previous forbearance with Nelnet but it expired. Not sure why. We've contacted Nelnet about it and they said we should contact the XXXX and the ombudsman group. We're tired of getting bounced around and we're hoping you can help. Please advise. Any help appreciated.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was 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 information relating to any transaction by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile XXXX, I identified a discrepancy with the account listed below and requested validation as this was an account I did not recognize. Its been over a month and I still have not received any correspondence from the creditor validation that the account belongs to me. I reviewed my credit report again XXXX and the account is still reflected on my account. I sent a second letter of debt validation and have yet to receive any debt validation. I do not believe this account belongs to me, nor do I believe that the creditor has the authorization to access this account or authorization to attempt to collect on this account. this account continues to negatively affect my credit profile. Please remove this account from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  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 to be removed/updated.

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. 

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 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

Over the last 3 months i have been trying to get the bureaus to correct incorrect info on my report regarding late payment status reporting on my credit reports. After sending multiple letters, providing any needed documentation and verifying my identity, i have received no proof or documentation validating this info, and no update to the late payments which are incorrect and hurting my ability to get funding.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT SHOULDN'T BE LISTED AS CHARGE OFF/COLLECTION WHEN THE BALANCE IS NOT CORRECT OR INFORMATION I HAVE NEVER OWNED THIS ACCOUNT WHICH ITS CLEAR ITS FRAUD OR SOMEONE SCAMMERS AND THESE PEOPLE REUIN PEOPLE LIVES AND THATS WHEN XXXX AND XXXX XXXX  COMES NOTHING WAS NEVER OWED ON THIS INACCURATE MADE UP ACCOUNT DELETE THIS INACCURATE INFORMATION PLEASE.