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

Recently I did an investigation on my credit report and found several billing errors on there to be inaccurate. 

violation of 15 U.S. Code 1666 ( b ) billing error Please remove the following items from my credit report, immediately : XXXX XXXX XXXX {$1500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX [ this account is settled and paid ] XXXX {$3800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX  {$410.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX XXXXXXXX {$6800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX {$79.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Creditor : THE XXXX XXXX {$4500.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX BANK {$4300.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  XXXX {$6800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX  {$410.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX {$79.00} Account info Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Original Creditor : THE XXXX XXXX {$4500.00} Account info Account XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX BANK {$4300.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXXXXXX {$6800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXXS {$410.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX XXXX$1500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX COMMUNICATIONS XXXX {$79.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Creditor : THE XXXX XXXX {$4500.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX BANK {$4300.00} Account info Account number XXXX Date opened XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reorted incorrectly in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I checked XXXX XXXX and saw that there was a hard inquiry on my XXXX report. 

A dispute was filed on XX/XX/year> with XXXX. 

XXXX XX/XX/year> I was informed that the inquiry was valid ; However, I have not applied for any new loans, credit cards, etc. 

The company listed is : XXXX Rocket Mortgage LLC.
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to Equifax and XXXX requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

Equifax : 1. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX : 1. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

State Collection Service, debt collection company, reported {$1600.00} owed on my credit report for  Medical expenses. Date of service XX/XX/16. Original debtor/account was XXXX XXXX XXXX Hospital . 
I received correspondence from other debt collectors on the same account by mail. I paid the full balance owed, on this account, to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. In addition, the amount differed from State Collection Service. 
I called State Collection Service to let them know I paid this debt to another debt collector but they refuse to remove this from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX
Product: Checking or savings account

usaa lied about my account it is not has not returned my money XXXX XXXX $ XXXX Claim Amount this money was taken from account I want it back
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  XXXX XXXX XXXX XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Checking or savings account

Im not sure how this person got ahold of my debit card but I received a text message from my bank wanting to verify a transaction, I call navy federal and explain that I am at home Im not using my card. Upon looking for my card while in the phone with a Navy federal representative the person was still using my card. The representative told me that she would block the card so the person would not be able to use it. I eventually started driving to the stores where my card was alerting me it was used. A cashier at the XXXX XXXX on XXXX XXXX provided me with a description of the person using my card. I spotted the person and followed her to XXXX XXXX XXXX  2 mins away on XXXX XXXX XXXX XXXX. I was able to get picture of the person and also take pictures of the license plate of the car she was driving. The charges total out to {$620.00}! I submitted a fraudulent ticket to Navy Federal and received a provisional credit, on XX/XX/XXXX I received a notification that the charge was not fraud, and the provisional credit will be reversed. I work very hard for my money, Navy federal is notorious for this behavior. As I explained to the rep, the card was still being used even after I canceled the card I get emails that that card was being declined. Im not sure how they conduct their investigations but they would have seen the pattern that this lady was using my card in stores where she didnt need a pin. And the 2 other stores she tried to use it at declined it because she didnt have a pin. I spoke to them directly. I have a police report with her pictures and her car pictures attached. This is very unfortunate that this is how navy federal treats their customers.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I purchased Apple Card at XXXX XXXX XXXX for XXXX $ used my Chime card for purchase Sent card to my Wife when she tried to use it it wouldnt work called Apple and they said it was already redeemed! They couldnt do anything about it! Said it was hacked called XXXX they said I have to wait until it post before I can file dispute to get my money back! I have to wait days!! Why Apple doesnt refund people? This is Ridiculous!!
Product: Checking or savings account

Account closed on XX/XX/2024. Was told the check will be mailed within 30 days and didn't hear nothing. 
I had to ask repeatedly and they just reply back with copy and paste messages.
Product: Credit card

At the end of 2015 I had chase ink, sapphire and freedom cards opened. I decided that I did not need the ink and sapphire cards open anymore so I decided to close them. After speaking to a chase representative I was told that as long as I keep my freedom card open I would be able to retain the rewards points from the ink and sapphire cards. I saw the rewards points still in my account a few months ago, but I just checked again and they are no longer there. I read online that I was really supposed to transfer the points to the freedom card as opposed to just keeping them in my account. I was never told this by the chase representative when I closed my account. We are talking about XXXX points which I have lost and would like to do whatever I can to recover those points.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was alerted to a credit inquiry by third party monitoring company called XXXX. 

I called XXXX and the inquiry did not display any additional information other than the Inquiry was being reported by XXXX. The XXXX representative said that it was likely a glitch since there were no details with the inquiry and said to check back in a couple days as it would likely " just go away ''. 

On XX/XX/XXXX I was alerted again, this time by XXXX, that there was an inquiry on my credit via XXXX. This time I created an account with XXXX and immediately froze my credit. I also froze my credit with XXXX. All XXXX bureaus are now frozen and a fraud alert has been placed. 

I then called XXXX ( who were not very helpful ) but was able to determine that a company called " ELAN Financial Services '' pulled a hard credit inquiry against my credit. I am not seeking credit, applied for credit or have done anything that would facilitate a inquiry. 

Now knowing the source of the inquiry, I called ELAN Financial Services in an attempt tp get more details. I was placed on hold indefinitely, hung up on and basically no one could or would try to assist. 

At this point XXXX says I need a report from the FTC which states that this inquiry was indeed fraud, which then starts a process to where the financial institution ( ELAN services ) will be " officially '' notified of the fraud. In the meantime, ELAN is likely processing the credit application and will approve credit for the criminals who started this whole thing. The process is so slow, that the damage is done before you can even get started to ty to stop it. 

I am asking for help here, to stop this in real-time and hopefully stop a criminal from getting a free payday. XXXX says I need a report from the FTC, but didn't/could n't tell me, nor can I find what type of report I need to get from the FTC. After I get a report from the FTC, I then need to send the report to XXXX with an Authorization letter to remove the inquiry from my report? How does this stop the end-criminal, what are the next steps? Very frustrating. 

I would sincerely appreciate any help you can provide with this issue.
Product: Mortgage

The agent with whom I spoke, XXXX XXXX, mislead me into thinking there was a possibility of a reverse mortgage even tho the property ( manufactured home from XXXX ) was not eligible. I told him the type and date of the unit on the first call in mid XXXX. As a result, AAG charged me {$470.00} for an appraisal fee which was never conducted ( taken via debit card XXXX on XX/XX/XXXX ). I have been trying to get a refund of the fee since early XXXX. 

I stopped negotiations for this loan with XXXX XXXX & AAG on XX/XX/XXXX through email after finding information on AAG website about the elibility of the property. When I told XXXX about what I found on the website, he said the website wasn't always accurate. In email he indicated that he had submitted a request for refund of the appraisal fee ( XX/XX/XXXX and XX/XX/XXXX ). 

Subsequent follow up calls and emails resulted in XXXX XXXX advising me via email on XX/XX/XXXX that I had to contact the appraiser for a refund. Subsequently contacted the appraiser who had not been paid for the service as it was not performed. The funds were taken by AAG and should be returned by AAG. 

I am XXXX years old and living on Social Security with little savings. I felt a reverse mortgage would provide a safety net and was willing to invest in the counselling and appraisal to procure it. XXXX XXXX advised there was no issue with my credit rating. He should not have encouraged me to pursue the mortgage. 

On XX/XX/XXXX I received a statement of credit denial for loan # XXXX, dated XX/XX/XXXX for the reason of " Property does not meet minimum HUD standards. '' I am requesting that AAG return the {$470.00} for the appraisal fee that was not cconducted. 

I am also requesting that AAG reimburse me for {$120.00} that I spent to acquire a Certificate of HECM Counseling from Credit Card Management Services that was required to pursue a second mortgage. XXXX never should have referred me to such counselling as he was advised in the first contact call the type and date of the property. 

I have sent several emails and a letter to AAG ( attached ) and have not received any acknowledgement or response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The public record reported Had som inaccuracies and the credit bureau Equifax will not remove the information tried to dispute the information tried to dispute in XX/XX/2018 online with Equifax
Product: Money transfer, virtual currency, or money service

Someone called to report fraud on my Paypal account and then accessed my PayPal account to make XXXX fraud transactions. 
Amount XXXX : XXXX USD Transaction date XX/XX/year>2024 Amount XXXX : XXXX USD, transaction date XX/XX/year>2024 Paypal initially favored disputed transaction for fraud scammers. Then I reported again then they are investigating again.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX  XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Mortgage

I filed a application with the former manager at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Communities for a simple mobile home loan. My daughter and I receive monthly Social Security XXXX Income for multiple XXXX conditions we have. I put a down payment for {$4200.00} dollars for the mobile home and was approved on XXXX XXXX, 2014. The former manager XXXX XXXX, put my daughter and I in a rental home and said it would take a couple weeks to get our home ready. She told me that she did it for people who were approved for a home loan. I decided to move everything in a storage unit so I did n't have to move everything XXXX. Two weeks later I found out that she was no longer working here. In XX/XX/XXXX I met the new manager XXXX XXXX and found out that my money was stolen that the police were able to get back. She also stole from other residents and the company. The company knew she was a XXXX when they hired her. XXXX the second manager tried to help get me and my daughter in our home but quit XX/XX/XXXX. The gas appliances were changed out to electric without asking my permission to do so along with other issues that has happened. There is a XXXX manager here now and things have gotten worse. My daughter and I are still living in the rental home that we were put in almost a year ago. Now they are trying to evict us. I went to court this morning with the attorney that is representing current and former residents that have filed a lawsuit against XXXX, XXXX for same issues. There attorney for XXXX, XXXX called my lawyer last night and dropped the eviction against me. I want my money back and start living a normal life again and forget this bad nightmare that I have been through the past year. Theses crooks use their money to destroy other peoples lifes and need to be stopped and put out of business. I do n't know where I go from here but I refuse to give up.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion, referencing Complaint XXXX, submitted on XX/XX/XXXX. Despite this, the complaint remains open, and TransUnion has failed to remove the unauthorized inquiries or address the FTC report. It is now XX/XX/XXXX, and I have received no response. 

TransUnion is violating my consumer rights by reporting inaccurate information. Per TransUnion vs. XXXX, CRAs must properly investigate disputes. Additionally, TransUnion has failed to show permissible purpose for these inquiries, none of which meet the FCRAs criteria. 

I demand these inquiries be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I have always made sure that payments on this account are made promptly, ensuring they are never overdue. I am unsure about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax several times reguarding this. I have an open auto loan with a local lender. The account was a removed from my report incorrectly effecting the credit dramatically. It dropped my score by 60 points! Ive contacted the dealer who informed me that they are still reporting to equifax and that everything on there end is correct. They also informed me that they have tried to contact equifax them selfs to see what the problem is but were told because its not there credit file that they can not do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive Contacted XXXX  Via Phone and by mail letting them know that there is a spelling of my name that is incorrect and also hard inquiries that do not belong to me. They alway respond stating they can not located my credit file and to send in additional documents to verify my identity. Listed below is the name and hard inquiries that don't belong to me. XXXX  had no issue removing and verifying that this name and hard inquiries do not belong to me why is it that XXXX XXXX is having such a hard Time to report only correct information and information I give them premission to share : Name XXXX XXXX Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please let XXXX XXXX know I don't need them to response ask me about anything other these hard inquiries and name from being remove that I did not authorize. 


Also Equifax is still reporting addresses and hard inquires that are not mines.They continue to do the same things say they can not locate my credit file or they update information that I've never used or authorize. 

Addresss XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Hard inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX