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

delete the hard inquiries XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX please remove these inquires
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.
Product: Student loan

This was a Private Student loan that was issued by XXXX XXXX, and now NYSHESC is garnishing my salary for this loan. NYSHESC has never taken any legal action against me to retrieved the funds, and the statue of limitation has been expired over 16 Years ago. NYSHESC does not owned this loan nor was it sold to them. I have send numerous letter to them and they have disregard them. For garnishment Process. Unlike federal student loans, a private lender must proceed by filing a complaint on the defaulted student loan in federal or state court. That means typically the borrower will receive personal service of the summons and complaint, with an opportunity to answer, raise defenses, and appear in Court. This never happened. They are trying to collect on a loan that they do not own. Private student loans can not directly garnish wages without a judgment. So, for a private student loan servicer or collection agency to garnish your wages, that entity must first sue you and obtain a judgment. Guaranteed student loans ( e.g. federal, state, or non-profit guaranteed loans ) can directly garnish your wages without a judgment. there are no Judgment against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor is reporting inaccurate and fraudulent information on my Transunion credit report. Account was closed on XX/XX/XXXX and listed as a charge-off. Creditor has been reporting before and after reported closure date of late payments. Creditor reporting to credit bureau XXXX  of satisfactory payment history on my behalf for months stating from XX/XX/XXXX through XX/XX/XXXX to which this information is inaccurate and fraudulent I have not made any monetary payments on this account since creditor has taken possession of the proposed vehicle of the loan I would like this information corrected and creditor remove this account from the Credit reporting bureau Transunion promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the pdispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. So TransUnion feels they're above the letter of the law & will not explain their policy... 
I have disputed this XXXX XXXX  XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since XXXX. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for XXXX. The account status is wrong and should be closed. Now, I want you to delete this misinformation on my file : XXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Checking or savings account

On XX/XX/2019 I was assessed 5 OD fees in the amount of XXXX a piece by M & T bank for 3 ATM withdrawals and 2 Debit card transactions. I have banked with almost every institution and never in my life have I ever received an OD free for a Debit card transaction. Not only that but, i did these transactions prior to signing an authorization for giving M & T Bank permission to allow ATM withdrawals and debit card transactions that would result in possible OD fees. I feel I should be refunded the total fees the fees are more than all the transactions combined. Since I opened my account I have never had an OD fee until now and I never received a fee when my account went negative accidentally from a debit card transaction until now. I spent XXXX dollars at XXXX and XXXX cents at XXXX XXXX and it cost me XXXX dollars to do so. I have tried to rectify this situation with M & T directly with no success. Hopefully you can mediate to get them to reverse the fees as a one time courtesy and also since again the acknowledgement what done after I had already processed these transactions.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under XXXX XXXX XXXX XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information XXXX, Equifax, XXXX.
Product: Debt collection

XXXX Hospital has repeatedly repeatedly turned my medical bills over to collection. They now have sent this ONE AGENCY XXXX BILLS. They have been told by me a million times that I have XXXX through the state of Florida as a secondary insurance and they are not submitting these bills there. They immediately turn them over to collection, then I am harassed by the collection agencies and my credit continues to be destroyed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A Personal Credit Card with XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX Account number XXXX A Account with XXXX XXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX, A Account at XXXX XXXX Opened on XX/XX/XXXX Account number XXXX, A revolving Opened at XXXX XXXX  on XX/XX/XXXX Account number XXXX, An Collection Opened at XXXX XXXX XXXX on XX/XX/XXXX Account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Good afternoon, I would like the two inquiries on my credit report to be removed from my account because I did not authorize them to run my credit. The Discover card inquiry and the XXXX inquiry need to please be removed. Thanks.
Product: Credit reporting or other personal consumer reports

They reported a public record on my credit report that is incorrect I asked for the investigation they use and they still gave me nothing and are still reporting pleas I need to delete this from my report I really would not mind if you do the investigation you see that my name address and phone number is incorrect. The public record is XXXX XXXX
Product: Debt collection

Starting in XXXX of 2021 I noticed a collection XXXX you on my credit report. I have disputed this 4 different times and they will not take this off. They took the {$87.00} dollar one off. So why take that one off if you think I really owe whoever this is but want take the {$1900.00} dollar one off. Ive never heard of this company and do not owe whoever this is. My other accounts thats medical are getting paid biweekly because I knew about the bill. I havent gotten any mail for me to acknowledge them. I again do not know this
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to open a credit card with XXXX XXXX in XX/XX/XXXX. When I did not receive my credit card in XX/XX/XXXX, I called them to ask why it had not been received. I was informed that someone had changed the name and address on the card and was using the card. I immediately told them that this was an act of fraud and it was not me. I was sent in circles for months filing complaints and filling out documents all simply saying that the credit card was never received and i never charged anything to the card. I continuously told them to cancel the card that by credit report was reflecting a delinquent account that was n't even me! They never closed the account, the account continues to accrue late fees, and they even sent me a credit card, sent to my correct address- WITH THE FRAUDULENT NAME in XX/XX/XXXX! My credit report has been getting hit since this whole process began, and they are absolutely impossible to work with. In XX/XX/XXXX, I was told to provide them with a police report and affidavit attesting to the fraud. I did all they requested, and received a response saying that the " investigation '' they conducted concluded that the account belongs to me. I call the company and am constantly rerouted and asked to provide additional documentation and fill out additional forms, and I have done so to no avail. I simply do n't know what else to do, I have never encountered such gross incompetence.
Product: Credit reporting or other personal consumer reports

a Discover Bank was opened on XX/XX/year> in my name and was closed but saying I owe a balance of {$850.00}
Product: Checking or savings account

Citibank Citibank closed my checking account and hold money for 30 to 60 days. I dont even know if i would get my money back or not. In the middle of covid 19 and we are scraping by. Horrible bank. Horrible customer service. People are rude. Local bank are rude. I really need help.
Product: Payday loan

I was in a bind due to my roommate moving out and against my better judgement applied for a {$300.00} payday loan from Big Picture Loans. As soon as it came for my first payment to come out, my hesitation was confirmed. Even though I had sufficient funds on the date of withdraw, the payment was never taken from my account and I was charged an NSF fee that even my bank could n't make sense of and promptly refunded. I received no phone call from the company. 
Two weeks later, I received another NSF fee. I could n't figure out why sense I had available funds. When I called my bank they could n't explain why either until they discovered that the withdrawal was attempted the previous day as opposed to the agreed upon date. 
I attempted to email customer service with the issue and was advised to call the number. I did twice to have the line disconnect both times. I am not trying to default on a loan and would like to pay back what I owe but obviously now I have racked additional fees for " late payments '' which were no fault of my own.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my consumer credit report, as referenced below. I believe these inquiries are the result of identity theft or fraudulent activity, and they were made without my consent. I request verifiable proof of their legitimacy, including documentation bearing my signature or electronic signature. 

As I did not authorize any of these inquiries, their presence on my credit report constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ) related to the blocking of information resulting from identity theft, and Section 604 ( 15 U.S.C. 1681b ) regarding permissible purposes for consumer reports. 

I have already contacted the companies involved and discovered that these inquiries were initiated without proper validation or original proof from the reporting entities. As a result, these inquiries are inaccurate and appear to be the result of identity theft or unlawful reporting by creditors or third-party data furnishers. 

I request a thorough investigation into these unauthorized inquiries. If no legitimate proof can be provided, I request that they be removed from my credit report in compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report have requested that they provide the purchase agreement to show full ownership of such account and also other document so I May review to see if this is actually an inquiries that belongs to me
Product: Mortgage

Applied for loan modification through NationStar mortgage. Application was denied on XX/XX/XXXX, 2017 due to negative disposable income. Appealed decision because my husband was able to find job with sustainable  income. We also got rid of car loan and we have rental income now. NationStar sent a letter of denial. XXXX XXXX ( financial counselor at XXXX XXXX XXXX ) called NationStar and they stated that we already had an application under review which is why they were denying the appeal. They suggested to send a new application even though one was under review. XXXX submitted application on XX/XX/XXXX, 2017. On XX/XX/XXXX, 2017 we called NationStar and was told no documents were being requested and application is under review. On XX/XX/XXXX we received a sheriff sale notice for XX/XX/XXXX, 2017. We called NationStar and was told that no application was received. XXXX called NationStar on XX/XX/XXXX, 2017 and was told application was denied but representative could not give reason for denial. Case was escalated. XXXX called back on XX/XX/XXXX, 2017 and was told no application had been received and that 's why sheriff sale was scheduled. NationStar has received at least 3 applications. XXXX sent in another application on XX/XX/XXXX, 2017 and has not been posted as of XX/XX/XXXX, 2017.
Product: Credit card

Kindly look at the attached documents. I ask the bureau to commence an investigation on these accounts where I am never late, but they erroneously report me as late.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There still remains a collection account and fraudulent inquiries on my credit report. 

Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies are required to furnish a written notification to a consumer ( in this case, myself ) upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report. 

Collection Account : XXXX XXXX XXXX XXXX The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. 
Inquiries : If you find that I was not the one who authorized these Inquiries. I ask that it be removed immediately from my credit file. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

EQUIFAX MORTGAGE SERVICES XX/XX/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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXXXXXX, 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 furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Equifax multiple times there are reporting inaccurate personal information on my consumer report. I have also advised I have NEVER given EQUIFAX or any reporting agency or third party reporting agency consent to report anything to my consumer report. I have also provided them with the FCRA laws they are violating and notified them they are directly violating my rights. 

NO CONSENT IS IDENTITY THEFT! 

Inaccurate Personal Information : XXXX XXXX XXXX This name does not belong to me. 

My name is : XXXX XXXX
Product: Debt collection

I am writing to bring to your attention several discrepancies I have identified on my credit report, dated XX/XX/year>. After a thorough review, I noticed several accounts that do not belong to me. I am seeking your assistance in promptly removing these inaccurate entries from my credit history. The questionable account is XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I would like to as help to lift the limitation on my account. 

please I need to change my cards and banks, but it is still my own bank account but on Monday I sent two transfers to my bank account. and denied both. 

Last XX/XX/, 2023 Withdrew Funds to a Bank Account it is in XXXX EUR but, i forgot and not aware that should I should convert it? 

the same time the amount in USD I also tried to withdraw to send it to my bank account {$190.00} USD But paypal denied my withdrawal because of the actions from my account that i change bank account that time, Please help me restore my account,
Product: Credit card

On XX/XX/XXXX I applied for a credit card and i got a message from Chase that they could not see a phone number in my extended fraud alert. On the morning of XX/XX/XXXX I called XXXX and updated my phone number in my account, they confirmed the update in their system is instantaneous. 

They keep claiming that my XXXX Fraud Alert doesnt have a phone number. They asked me to stop by a branch to confirm my details as an alternative, which i did on XX/XX/XXXX. During my visit they confirmed my identity and informed me that i didnt need to do anything else with my application. Then, on XX/XX/XXXX I get another message saying they are still missing my phone number in my XXXX Fraud Alert. I called the customer service number twice and I asked to speak with a supervisor more than XXXX times and the option to file a complaint, both times they refused to direct my call to a supervisor and whenever i asked for a reference number for the complaint, they kept giving me the reference number of the application, which is XXXX. 

This is beyond insulting that they can treat customers like that without any response or help, I dont care about the result of the application now, they should not be allowed to treat customer like that and gaslight and dismiss all our concern.
Product: Credit card or prepaid card

I called about not being able to view statements online to see why my bill doubled. I was told it was because my 18 month promotion on {$1900.00} has expired and they charged me {$800.00} for back interest even though I have been paying {$100.00} a month interest free so that promotion should have been almost paid off and {$800.00} is way too much interest on that amount. They called it total interest but it isn't interest if they didn't loan me the entire amount for 18 months. That should be called a penalty and is extremely misleading. 
Customer service lied and hung up on me the first time I called. Then the second guy put me on hold for a supervisor for over an hour and came back claiming to be someone else. He had a very unique voice, pattern of speaking and way of interrupting me. They said there are no supervisors and no way to file complaints. They said they can't help me with statements either so I am in the dark. I asked to take the survey at the end and got hung up on again. They are 100 % free to charge me whatever they want, illegal or not, and not be responsible to inform me what so ever.
Product: Mortgage

I have asked Wells Fargo repeatedly to refund the forced place insurance on my rental property, and again they are still charging me, this time another {$740.00}, this has been going on for years. How do I get my money back?