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

On XXXX. XXXX, XXXX, AXCESS FINANCIAL add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card or prepaid card

I told U.S. Bank to close my credit card account in XX/XX/XXXX on the phone. At the time, the customer service representative made me jump through a lot of hoops and kept warning me that closing my account would have adverse affects on my credit score, my home loan, etc. ( none of which was true ), in a transparent attempt to try to make me stay. It took at least an hour, but I was told it was closed. 

In XX/XX/XXXX, I received a notice that I had late fees and a balance on my U.S. Bank card. When I called, it turned out they never closed it, and they denied ever receiving my request to close it. Some recurring charge appeared, they sent me no notice, and then they tried to charge me late fees on top of it. I have had to spend more time calling multiple departments and explaining this over and over before they finally agreed to reverse the fees. This seems like a scheme to me, and probably happens to many of their customersbut they simply pay the fees to make the problem go away. I still have not received any confirmation that my account is actually closed, and there seems to be no recourse or people who I can talk to at U.S. Bank to address the issue.
Product: Debt collection

On XXXX/XXXX/XXXX I was randomly contacted by representative from Portfolio Recovery Associates asking if I was XXXX XXXX and I said yes and she proceeded to tell me that she was trying to collect a credit card debt that was originally with XXXX XXXX XXXX that was open in XXXX and I told her that I did not open this credit card and she tells me that my last payment was in XXXX of {$250.00} and I tell her that it 's not possible cause I 'm XXXX and been XXXX since XXXX! She then questioned me about an address I rented in XXXX, XXXX that I had rented for my daughter but we conversing on a land line that is n't in my name in XXXX, XXXX where I 've lived for over 13 years! XXXX XXXX XXXX XXXX nor does Portfolio Recovery Associates exist on my credit files at this time behind this debt and it should n't cause it 's not mines! I 've had my share of pit falls with bad credit due to my health and BANCKRUPTCY and do n't want to relive it! This collection agency has my personal information like my ssn # and I do n't want them calling and harassing me for debt that is n't mines!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have request Equifax to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. Equifax has also failed to comply to multiple federal and state laws under the FCRA.

Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual.

15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for Equifax to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file.

I am asking for Equifax to provide the following : 1. The original contract and or agreement bearing my signature 2. Who they spoke to from the creditor the date and time in which they spoke with them.

By law they have 15 days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file.

I listedthe inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. 
XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. Unknown Creditor Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.
Product: Debt collection

I received a bill of XXXX $ from XXXX that I never owed and I never used XXXX
Product: Bank account or service

On XXXX XXXX, 2015 I try using my Navy Federal Credit at XXXX and because insuffient fund it was decline the XXXX Tech had swipe back Card several times. When I realized that I did not have enough money in my account I transfer funds from my saving account into my Checking Account and having to return items I wish purchase. By returning the items bring the purchase total down to a reasonable amount for the bank can approved the purchase. The Navy Federal Credit Denied my purchases XXXX more and customer and XXXX did not help process the purchase the I left went XXXX and it happen again so today I call Navy Federal Credit Union at less XXXX today.
Product: Credit reporting or other personal consumer reports

There is a bankruptcy resorted in my account that does not belong to me. I want it removed immediately.
Product: Credit card or prepaid card

My Home Depot Master Card was hacked and info sold. 
XX/XX/2020 XXXX # XXXX XXXX XXXX, Ca. 
I went to home depot to buy a drill. I realized I forgot my card. I went to customer service and obtained a temp. Card. Customer service asked on which accnt did I need temp card for?? 

I then informed customer service I only had one account. At that time she told me that a person named XXXX XXXX OF XXXX, HAWAII. 
I DID NOT AUTHORIZE THIS ON MY ACCOUNT. I DO NOT KNOW THIS PERSON BETRAYED BY MASTERCARD AND HOME DEPOT APPROVING ACCOUNT WITHOUT MY PERMISSION. MY INFO SOLD. I IMMEDIATELY LOST TRUST AND CANCELLED MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX act # XXXX XXXX, XXXX and Transunion and the fraudulent, incorrect information is still there. 
They should NOT be on my credit profile. This is fraud. 

I disputed the SXXXX XXXX account XXXX with XXXX, XXXX and Transunion and the fraudulent, incorrect information is still there. I do not know who XXXX XXXX account XXXX is. I have never signed an agreement with XXXX XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX account XXXX with XXXX, XXXX   and Transunion and the fraudulent, incorrect information is still there. I do not know who SXXXX account XXXX is. I have never signed an agreement with XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX/XXXX/XXXX account XXXX with XXXX, XXXX and Transunion and the fraudulent, incorrect information is still there. I do not know who XXXX/XXXX/XXXX account XXXX is. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE ERRORS STILL EXIST
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 U.S. Code 1681b In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681c Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information :
Product: Checking or savings account

I had a balance of {$48000.00} in my account. Chase Bank closed my account on XX/XX/XXXX without notice. I have been very patient with them. As of today I still have not received a check for the balance that was in the account. I have called several times and told that account is under investigation with no reason why. 

The calls are as follows, with each call being around an hour : XX/XX/XXXX Account still under investigation call back next week. 

XX/XX/XXXX Account still under investigation call back in 2 weeks. 

XX/XX/XXXX Account still under investigation. The department investigating can not be called. Was told in can take 90 days from closure to complete. I asked for them to send copies of my bank statements. 

XX/XX/XXXX Account still under investigation. The department investigating can not be called. Was told they can take how long they want to complete the investigation. 

XX/XX/XXXX. Went into the Chase Branch on XXXX XXXX XXXX in XXXX, LA XXXX Spoke with XXXX and XXXX XXXX. Stayed there for over an hour. 
They called and was on hold as well, finally spoke with someone stating that the investigation was complete but they were no notes to tell them what to do with the funds, but I will receive something in one week and they would email. 

XX/XX/XXXX. Went back to the bank, they said they never received an update. 

XX/XX/XXXX Called in and received the same response. Asked to speak with the supervisor. Threatened to sue and received the legal team address to send lawsuit. 

XX/XX/XXXX. Went back to the bank, they said they never received an update. 

XX/XX/XXXX. A check was mailed to me for {$4000.00} stating that it was the balance of my closed account. I never cashed this check because it is not the balance. 

XX/XX/XXXX. Account is still under investigation and they have no further information.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I believe that these Informations are inaccurate, incomplete, or potentially fraudulent, and I respectfully request that they be REMOVED.
Product: Student loan

Upon hearing about the possible student loan forgiveness, on XX/XX/XXXX I made a request to my loan servicer ( Mohela ) for a refund of XXXX payments I made during the Covid forbearance totaling {$1900.00} ( bank statement with amounts and dates attached ). On that original call I was told that because of the high volume of refunds, I should expect my refund within 90 days of the processing date via my original form of payment ( direct deposit to my checking account ). 

Within a few weeks of the original refund request on XX/XX/XXXX, my loan balance was reinstated to the original principal and the payments on my Mohela account were removed as of the processing date of XX/XX/XXXX. 

However, as of XX/XX/XXXX, I have yet to receive any form of payment from Mohela. 

I have called Mohela on multiple occasions, averaging every XXXX months, since XXXX of XXXX and each time I have been told that my request was processed and that they no longer had control of the refund because it was sent to the US Treasury and that I should give it another XXXX days. 

Given that it has been XXXX  days since my original request, it is disheartening to know that I am now not only earning interest on the higher reinstated principal, but that the money I paid is not back in my pocket.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I, XXXX XXXX XXXX signed an agreement with XXXX XXXX of XXXX, VA for a XXXX XXXX XXXX XXXX. I feel the asking price of the car was ok to fair for the vehicle. However, the interest rate and monthly payment of the car exceeded what interest rates I had in the past and the payment was the same as when I traded in two vehicles on a new XXXX XXXX back in XXXX ; both being approximately in the range of $ 750- {$800.00} a month. I could understand paying this much in XXXX because that's what I paid for two vehicles a month prior to trading them in on the XXXX XXXX, which when the two vehicles were traded in, I still paid {$700.00} and my lease was set to expire on XXXX of the two vehicles. I surrender the XXXX XXXX in a XXXX banruptcy for reasons other than the payment being two high. In XXXX, a XXXX for {$700.00} isn't unreasonable but this car is not new and the interest rate of 18.53 % is what makes the payment higher than normal. I happen to believe that this car with my past and normal interest rate XXXX XXXX ) offered would be in the $ 550- {$650.00} range. However, my credit report is not accurate and causes higher than normal interest rates and fees. I have signed the paperwork for the vehicle, but I have not taken possession of the vehicle at this time. The intent is to finance $ XXXX {$1500.00} and pay {$100.00} at the time of pickup. The other approximate {$33000.00} ( with the identified cash payment being {$34000.00} ) is to be paid as a part of an auto claim against XXXX XXXX XXXX and XXXX. The XXXX XXXX XXXX surrounding the auto claim with XXXX XXXX XXXX and XXXX was furnished but was not in lieu of the loan as it was a no money down purchase. Insurance for XXXX XXXX XXXX has been notified to add the vehicle to the policy.
Product: Checking or savings account

I deposited an endorsed check into my bank account which per my banks deposit agreement is allowed. They placed a hold for 10 days to verify the check and funds. The check cleared and then the same morning they restricted my account until the endorser could verify that they indeed gave permission for the check to be deposited in my account. Well the only way they are allowing this verification is via phone number that is registered on a public system. They wouldnt inform me of what system this was. The endorser has a phone line in his name so I am unaware as to why they were not able to find it. When I deposited the check I went into a branch located with the endorser, the teller had not informed me of any of this. I asked if I could go into a branch with the endorser and his Identifications to verify his identity and that he gave me permission to deposit this check but they said they can only verify by phone. After speaking with back office on a recorded line I was told if I can not get my check verified my account will be closed and chase will keep my money. Those were the exact words the customer representative said to me on a recorded line. After going to XXXX  the endorsers phone company to ask if they could help us out his name on a public system so that the number registered under his name we called again to the back office, and I was again told that they could not verify his phone number with his name and told me that I could recall the check from the original bank. I asked the customer representative why they could not call the company that actually wrote the check to verify the phone number for the endorser or verify through employer, she told me thats not something they can do. Chase bank took 10 days to verify the check and took the fund from the bank. The funds are available in my account I am just unable to access them, because of this the original check writer ( which is a payroll company ) is unable to recall the check because chase bank already cashed the check.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX 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 card

On XX/XX/23 I mailed in remittance coupon payment with instructions and laws permitting. XX/XX/23 I emailed to complaint and billing error dept and resolution dept cc. To CFO, proof of payment 2days before due date. In between I spoke with over 9 employees who saw and said the coupons were endorsed correctly. Payment was not accepted. After I sent a {$25.00} debit to stay in honor. Billing Error email on XXXX email to resolution dept, notice of Securities fraud and willful non XXXX notice of violation, with questions of am I committing fraud or crime paying by remittance coupon, no response XX/XX/23 email to Avant credicards @ Avant, no response. Also mailed out full payment directly to CFO, and emailed proof of payment to Billing error department. XX/XX/23 follow up and was told to send to resolution dept. XX/XX/23 sent copy of payment and letter to CFO to resolution department. Transfered over to payment department I was advised that Avant does not accept remittance coupon nor negotiable instruments, I'm which ALL FORMS OF PAYMENT to discharge or sett off debt is and are negotiable instruments including cash, debit checks and money orders. Also while in billing error dispute attempts to collect debt or the reporting of the account should not happen until the dispute is finalized which Avant said they do not honor. Negotiable Instruments. UCC 3-603 : UCC 3-104 Tender of payment : Bill of exchange Act section 16, form and interpretation of Bill : Federal Reserve Act section 16 notes issued , 18 USC 8 obligation or other security of the United States defined. Are just some of the Acts and codes Avant has refused to adhere to which is a detriment to my mental well-being and future consumer abilities to transact honorably. This refusal is a damage to my reputation and discrimination for operating pursuant to U.S.goverment.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :.

Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted "
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Product: Credit card or prepaid card

On the XXXX XXXX, 2017. I applied for a credit card in Santander bank, but i was denied because my credit score shows XXXX ( XXXX ). I am confused because I banked with santander bank and there is no way I can build a credit if i do not have a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance. I was relocated for my job and the last months rent was paid, however the assistant manager of the apartment complex failed to apply the payment and consequently sent me to collections in error. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX IS A THIRD PARTNER COMPANY WHO REPORTS BANKRUPTCIES ON BEHALF OF XXXX. THEY DID NOT GET MY PERMISSION TO PURCHASE ANY OF MY INFORMATION. NDER THE FCRA THEY VIOLATED MY RIGHTS TO PRIVACY. UNDER 15 usc 1681b ( aN ) 2 ). No consent to furnish any information. 15USC 1681c ( a ) Bankruptcy information is excluded from the consumer report. Public records is NEVER validated by the Recorder of Deds nor the U.S. court system due to FCRA Privacy laws.
Product: Credit reporting or other personal consumer reports

There are fraudulent collections and inconsistent and inaccurate information on my credit report that needs to be removed immediately XXXX XXXX XXXX for {$170.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  for {$340.00} Opened XX/XX/XXXX XXXX XXXX LL Opened XX/XX/XXXX HARD INQUIRIES AS WELL XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX via dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has been lying on my credit report for over a year and now trying to say I have too many delinquencies when I have none theyre trying to say that Ive barely had any credit age when Ive had over at least two years of credit now. When I went to the car dealership the other day, it tried to say that I had fraud on my Social Security number when I dont have havent had any issues with fraud just TransUnion lying on my report multiple times.