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

Unauthorized Hard Inquiries Request for Immediate Removal I am writing to formally dispute unauthorized hard inquiries that appear on my credit report in violation of 15 U.S. Code 1681b and 15 U.S. Code 1681n under the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I have identified the following inquiries that I did not authorize : XXXX XXXX Date of Inquiry : [ XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : [ XX/XX/XXXX - XX/XX/XXXX - XXXX ] XXXX XXXX XXXX XXXX  Date of Inquiry : [ XXXX ] XXXX XXXX XXXX Date of Inquiry XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of Inquiry : [ XX/XX/XXXX - XX/XX/XXXX ] XXXXXXXX XXXX  Date of Inquiry : [ XX/XX/XXXX ] XXXX XXXX XXXX Date of Inquiry XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : [ XX/XX/XXXX - XX/XX/XXXX ] XXXX XXXXXXXX XXXX  Date of Inquiry : [ XX/XX/XXXX ] XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date XXXX XXXX : [ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XXXX [ XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : [ XX/XX/XXXX ] XXXX XXXXXXXX XXXX Date of Inquiry : [ XX/XX/XXXX ] XXXX  Date of Inquiry : [ XX/XX/XXXX ] According to 15 U.S. Code 1681b, consumer reporting agencies may only provide credit reports for specific permissible purposes, such as with my direct authorization or in connection with a legitimate credit transaction. I did not grant authorization for the above-listed companies to access my credit report, making these inquiries a violation of my rights under the FCRA.

Additionally, per 15 U.S. Code 1681n, entities that willfully obtain a consumer report under false pretenses or without a permissible purpose are subject to legal liability, including actual and statutory damages, punitive damages, and attorneys fees. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Last night, XX/XX/2020, Bluebird by American Express randomly permanently closed my bank account along with thousands of others. There is no way to contact them other than to write a letter and no one is getting a guarantee they will be given the money that was in their account. My account was closed for suspicious activity which violated their terms, same goes for the thousands of other accounts. The suspicious activity they are referring to is my UNEMPLOYMENT being deposited into my account. I can not log in, use my card, or even access the money in my account which is almost 3000 . I was given no warning. And I have no idea how to get my money back. Its the middle of the pandemic and I lost my job. If you call the company it will literally just say your account has been permanently closed, goodbye and hangs up. This needs to be fixed. Im going to lose everything if I dont get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not mines XXXX bu way of USPS
Product: Money transfer, virtual currency, or money service

Paypal is holding my money without reason and the other is because they said I can not confirm the identity but that does not make sense because they have my ID and banking details and when I try to give them another additional ID or billing statement it routes me to a blank page. 

One of my accounts XXXX I can not withdraw the money because they said I can not confirm the identity but that does not make sense because they have my ID and banking details and when I try to give them other additional ID or billing statement it routes me to a blank page. So how do you want me to give you those details if your platform does not allow me to give you the details. I've talked to different representatives before and they didn't help me at all. 

My other account, XXXX they put the money on hold. I am a XXXX and they are holding all my funds without any valid reason.
Product: Debt collection

I spoke to the original company with DEBT and they said that the TRADELINE HAS been DELETED for that supposed debt. According to the original debt company the TRADE LINE was already deleted and no one after that should be contacting me that I owe a debt. When none of the information on file for that debt collector for me was inaccurate. But according to XXXX IN NY, I still owe the money to the original debt company. I told them I found out about the debt bc I am getting ready to buy a home and the individual from that company told me " I WILL NOT BUY ANYTHING TILL I PAY THEM OFF FOR THIS DEBT '', the individual that I called was harassing me bc I will not be able to buy the home am looking to buy bc of this debt. He also told me that he knows what happen bc I did not know the address he had on file for this debt, he was saying that I did all of this and that he already heard all the excuses so that whatever I said was not true at all. When I told him I was not even in the state during that time frame of the debt and not to mention the address they have on file I do not even know. I forwarded XXXX the letter from SANTANDER the original debt company that the TRADELINE has been deleted.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Mortgage

Veteran 's United has lied to me directly as a seller, and lied to their customer as the buyer about closing on a property. These lies were open and recorded. Basically, Veteran 's United XXXX XXXX XXXX XXXX XXXX did not want to do his job properly, and instead of being honest about it, he lied to me, the buyer, and everyone 's agent. The issue with the dishonesty is the magnitude of the sale -- this was a mortgage. Dishonesty in these processes creates damaging affects on communication, and since Veteran 's United works with veterans ( I am a XXXX XXXX totally and XXXX  XXXX XXXX  ) and their families, such dishonesty can cause serious and deleterious affects for those involved. And this is not a " lack of communication, '' this is a direct complaint that the company is openly lying to customers and then trying to strong-arm those that try an reconcile such complaints with repugnant customer service conversations about " ethics, '' which have no real value or legal precedent. I am XXXX. The buyer is a widowed mother of XXXX. All I wanted to know is why we could not close before the holidays. I had spoken with the title company and everything was sent to XXXX by Monday, XX/XX/XXXX XXXX  I spoke with XXXX about this, and he lied to me, saying it had something to do with double-checking the closing costs. That was nonsense. Today, XX/XX/XXXX, XXXX came across with the line that closing could not happen until he received the explanation of a gift -- this was emailed to him on Monday, which can be confirmed by the title company, XXXX XXXX XXXX. XXXX used this lie to try and present himself as someone who simply " can not '' perform his function, which, again, was not true. He disparaged the name of the XXXX XXXX XXXX, and he lied openly to me and his client ( I have texts confirming this ). The company 's response to my involvement as the seller was to call me and try and convince me ( a XXXX ) that seeking resolution to the lack of integrity their organization shows its customers and business partners, was that it was unethical for me to be a part of the conversation. Veteran 's United is lying to their customers, and then trying to make anyone who holds them accountable for their obligations as a lender ( i.e., integrity and ethical actions ) feel as if they have done something wrong. If this company will lie and then try to defend such blatant unethical behavior and then try and preach " ethics '' to other ( not ethics in any way, just what they would prefer ), then there may be no end to the lawlessness and harm they could cause their customers, who are primarily veterans, like me. The conversations with the closing team, their resolution team, and the entire process of trying to make sure they are doing their jobs, which they are not, had caused serious mental and emotional strains on me, and can not be continued to proceed.
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When my lender tries to pull my credit report it's not showing up because of a technical error or some error. I called XXXX and corelogic and they said there's no freeze on my report. This error is causing me not to be able to get my home loan and needs to be fixed asap. 

XXXX XXXX  has tried to pull my XXXX report numerous times and is unable to. They do not have a problem pulling it from XXXX and XXXX.
Product: Debt collection

Collectors Name : Portfolio Recovery Associates, LLC. 
Collectors Address : XXXX XXXX XXXX. XXXX, VA XXXX RE : Account Number XXXX After checking my credit report on or after XXXX XXXX, 2017, I noticed that PRA placed a time bared and fraudulent collection to my credit report named XXXX XXXX XXXX. 
I made several attempts by contacting PRA by phone to find out more information about the debt. During our conversation, customer service associate could not answer my questions and transferred the phone call to operation manager by telling me that he will be able to answer all my concerns. The operation manager XXXX XXXX could not answer my questions as well. I told him that this is a fraudulent transaction and requested to remove an account from the credit report or history. He replied that I need to discuss the matter with escalation team. They place me on hold for about 15 to 20 minutes and hang up the line. I do have all conversation recorded as I informed both the caseworker and supervisor. Also, I requested to stop harassing phone calls, and they refused to follow my requests. I am still 3 to 4 phone calls every day, and I saved the call logs and all the voicemails. I do not believe that I am liable to pay this debt.
Product: Debt collection

XXXX : XXXX Amsher Collection Serv. 
I asked this company to provide me with documents with my signed signature and to validate this account belongs to me. Instead of validating my account they reported to my report. Also never received anything in writing nor contact before reporting this to my report. They did not follow the FDCP nor the FCRA Practices Act Causing distress and hardship to myself being a single father on XXXX income.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, this is not a duplicate complaint and I am not using any thirds party for this matter. I'm sending this complaint due to new evidence. I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with the original application like I asked. Please correct my Credit Report on XXXX and this account must be deleted from my report - XXXX XXXX XXXX.
Product: Student loan

I've paid the full remaining balance toward my XXXX XXXX XXXX XXXX loan on XX/XX/XXXX with the amount of {$10000.00}. After payment was processed there was a remaining balance of {$780.00} showing on my online statement even though I paid the full amount that was shown on my statement as a balance ( see attached statement amount highlighted in yellow ). I contacted Navient and the agent initially stated that the {$780.00} was the interest accrued on the account, then I was transferred to a supervisor ( XXXX XXXX XXXX who stated that the online amount shown was wrong but she failed to provide me with appropriated documentation showing my balance before I paid {$10000.00}. The amount shown on the statement as of XX/XX/2018 was {$100000.00} but interest accrued and it came up to {$10000.00}. Also my last payment of {$10000.00} is not currently showing in my account, however payment was processed and money was taken from my XXXX XXXX XXXX account ( see attached statement )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had Fraud ~ Identity Theft, happen to me XXXX 3 times ~ in the past 3 years. It has as you can imagine, caused great pain and anguish to have to deal with very bad people who do this to Honest people who " play '' by all the Rules in life. I was in the very beginning, left with the thought ~ that what happened to me would be " logged '' into my credit files, so that when the Real and " Good '' people who must access my credit report ( it being confidential ) that they would see something that indeed reflected ~ just what had happened to me. IT DOES NOT! Why? The 1st time, I filed something, with the FTC and was distinctly left, with the thought that the Government would be doing exactly ~ that. Some bloody thing that the Authorized people who enter my Credit Reports for Authorized reasons ~ would see that I was " Violated ''! ( and that is how I truly felt ) So. Why did that not happen? I did everything I was told to do, and Absolutely Nothing ~ was entered ~ Re : That my Identity Was stolen and that it actually happened. NO NOTHING STATING IT ACTUALLY HAPPENED! WHY? Please be kind enough, as to Advise me, why. Please. Thank You, And for Heavens sakes, get back to me. I'm tired of getting " kicked '' ~ in my heart, it is so painful. Hope it never happens to another person, And why not do your bloody best ~ to catch these terrible ~ " people ''. And throw them in prison when you catch them, AND MAKE THE WORLD AWARE OF IT ~ PERHAPS IT COULD DETER THE OTHER BAD GUYS ~ FROM DOING IT TO ANYONE IN THE FUTURE. Thank You, XXXX XXXX XXXX. And please Stay Healthy!
Product: Credit reporting, credit repair services, or other personal consumer reports

complaint id XXXX XXXX XXXX has XXXX false claims and continues to prevent me from getting my credit report regardless of Annual or Site. 

Equifax 's claim in email " Important Information ... '' we have finished ... .FALSE SEE ATTACHED XXXX XXXX p.m. Email attached showing access to account granted XXXX XXXX XXXX Screen shot attached showing AGAIN " UNABLE TO ACCESS '' XXXX Equifax XXXX difficult and no explanation- send drivers lic and social via mail. 

I DO NOT HAVE 60 DAYS, 30 DAYS, EVEN A WEEK! I have been battling this well over the time frames and limits set by the Fair Credit Reporting Act. 

Equifax has been given far too much time. 

I have spent hours and now 2 days regarding this matter with Equifax and every call has resulted in lies and prevention of my obtaining my credit report. 

I was denied a loan based on fraud and inaccurate data reported which is hurting my score by XXXX points Equifax Actions are continuing to allow fraud to proceed since they will not allow a dispute or fraud to be reported. 

As of today upon getting an email from Equifax which is attached and their very quick claim of " they are working on it '', I called and the rep proceeded to just stated We need your driver 's license and social card mailed but refused to give just cause or explain why. 

Attached is also proof of there is no issue with my online account Finally, as stated, the email received today, resulted in yet again not allowing me access after I got an email stating " click here '' to access your account. 

I will proceed forward with a law suite if this matter is not resolved since it violates Federal Laws and is damaging to me the consumer
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Complaint Regarding Chex Systems Security Freeze and Inability to Open Bank Account Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding an ongoing issue with Chex Systems that has prevented me from opening a bank account and accessing my earned income. This situation has caused significant financial hardship and frustration, and I have been unable to resolve it despite repeated attempts. 

Here is a summary of the issue : Initial Problem : I attempted to open a bank account with XXXX XXXX  to receive my paycheck from my job. However, I was informed that my application was denied due to a security freeze on my Chex Systems report. I had never heard of Chex Systems prior to this incident and had never created an account or placed a freeze on my file. 

Attempts to Resolve : I contacted Chex Systems to unfreeze my report but was told I would need a PIN to do so. Since I never created an account with Chex Systems, I did not have a PIN. 

I was instructed to request a new PIN, which I did immediately. However, I never received the PIN, even after waiting several weeks. 

I followed up multiple times and was told to request the PIN again. I submitted another request, but it has now been 3 to 4 months since my initial request, and I still have not received the PIN. 


This unresolved issue has prevented me from opening a bank account, which has left me unable to access my earned income. As a result, I am struggling to pay my bills and manage my finances. This situation has caused unnecessary stress and financial hardship. 

Request for Assistance : I am requesting the CFPBs assistance in resolving this matter as quickly as possible. Specifically, I need : Chex Systems to immediately so I can lift the security freeze on my report. 


Assurance that this issue will be resolved promptly so I can open a bank account and access my funds. 

I have made every effort to resolve this issue directly with Chex Systems, but the lack of responsiveness and resolution has left me with no other option but to seek assistance from the CFPB. I have attached any relevant documentation ( e.g., correspondence with Chex Systems, bank denial notices ) to support my complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 


XXXX XXXX XXXX XXXX  XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Balance : {$630.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX , XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up complaint to the CFPB to ensure that the Experian Credit Bureau removes the last fraudulent inquiry which still persists on my credit report. I am eagerly anticipating that the upcoming credit report update will reflect the successful removal of this remaining inquiry mentioned in the complaint : EXPERIAN : XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report for accuracy, I noticed some fraudulent items on my credit report. I found that I am a victim of identity theft. Someone used my personal information to obtain a student loan and to obtain a XXXX XXXX credit card. I have tried tirelessly to get the banks to act to remove these items from my credit report but with no success. I am extremely frustrated.
Product: Mortgage

My Mortgage was sold to Specialized Loan Servicing in XXXX. The monthly payment was {$1600.00} including the escrow for the flood insurance, home insurance and taxes. Effective XX/XX/XXXX my monthly payment increased to {$2400.00} because of escrow analysis in which the numbers do not add up. I have called several times and spoke to customer reps, who told me that I am paid up to XXXX, of which I have recorded. I have also used the message center to contact them.They sent me a message stating that they reviewed the account, and it reflects that the mortgage payment made on XX/XX/XXXX was applied to the XXXX monthly payment. The mortgage payment made on XX/XX/XXXX was applied to the additional principle, and if I would like the payment applied to the next monthly payment due for XXXX, to please advise them in another message. This does not seem to be correct, since I pay an additional $ XXXX $ XXXX monthly on my mortgage. I can not get anyone at this company to help me. I even requested for a company representative to call me back, and it has not happened. I would like your help in resolving this issue, given the history of Specialized Loan Servicing and their reviews. Thanks.
Product: Credit card or prepaid card

Account XXXX Im requesting to reopen the disputes for charge I made on XX/XX/XXXX XXXX XXXX {$710.00}. I tried to dispute this transaction but Chase customer service was not helpful at all.