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

I see four hard inquiries on my credit report for which I'm unaware of those inquiries.

1 : XXXX XXXXXXXX  XXXX inquiry made on XX/XX/2022 XXXX : - XXXX inquiry made on XX/XX/2022 XXXX : - XXXX XXXX inquiry made on XX/XX/2022 XXXX : - XXXX XXXX inquiry made on XX/XX/2022 Please help in this regards
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. This company, AARGON AGENCY INC, has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : AARGON AGENCY INC ( XXXX XXXX XXXX ) XXXX XXXX, XXXX {$150.00} ; AARGON AGENCY INC ( XXXX XXXX ) XXXX XXXX, XXXX {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. MY INFORMATION HAS BEEN COMPROMISED POSSIBLY DUE TO A SECURTIY BREACH WITH XXXX DEPT OF CORRECTIONS. I NEED THESE ACCOUNTS RFEMOVED FROM MY CREDIT REPORT. YOU GUYS HAVE TO MAKE SURE THESE ACCOUNTS ARE ACCURATE BEFORE PLACING THEM ON SOMEONES CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

It is falsely reported that Commenity BankXXXX is and has been trying to collect without any payment for years. This lender was included in my 2017 bankruptcy and therefore should not be listed as owing or overdue for any of the last 3 1/2 years.
Product: Mortgage

My mortgage got sold from XXXX to Nationstar. I did not receive a notice from Nationstar regarding the change, though I did receive a notice from XXXX. I have yet to receive my Nationstar loan number. I am actually in the process of selling my property, and need payoff information. I have tried repeatedly over the past week to get payoff information from Nationstar, and they have been unable to get this to me - saying that it is impossible to do so until the transfer is complete. This seems illegal - to prevent me from paying off my mortgage.
Product: Prepaid card

The process of this needs to change. The resolution department of bank of america of which these complaints gets sent to, they are dishonest individuals they do not review these complaints. They let them sit until XXXX days then tell CFPB they reviewing but in fact they just act like they reviewing until Its time to give a response they they just send what the claim department did. 

They are using recon Bot reject population to process disputes that's why my claim isn't getting handled correctly The dispute back office ignores the manager supervisor notes on my claim they continue to denied my claims even with my account being an account take over. Fake identification card on my account. Proof of me living at a different location. 

Bank of america prepaid services own investigation states card XXXX was not received by me they credited funds back to my account except the claim XXXX which shares the same card number Card ending XXXX was confirmed not received by me after bank investigation. Customer rep made an error while filing my claim .they forget transactions causing me to have XXXX claims. Only XXXX transaction got handle. The rest of transactions have not for the last XXXX years I've been try g to get this resolved bank of America back office is using Recon BOT rejection population causing the claim to get rejected automatically. All transactions associated with card XXXX have been credited but not claim ending XXXX I received a letter saying the claim was found in favor. Bank then says ignore the letter
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/year>, I was told by MOHELA my loans were forgiven under PSLF. I was told I have a credit of {$280000.00} and to expect a refund. I have been waiting since for my refund. I have been in contact with MOHELA- keep being told at first 30-90 days. Now I'm told there is no timeline when I'll receive it. I was in contact with them XX/XX/year>, XX/XX/year> and XX/XX/year> regarding this.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC, XXXX SYNCHRONY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear SYNCHRONY, Additionally FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802. 

Under the Privacy Act of 1974 I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article 7 of the XXXX The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime. 

I am also a DC resident. In Washington DC, DC residents have also rights to Opt Out on all things including non affiliates mailing solicitations. 
I should not receive any other piece of mail from any non affiliates or third parties. 
Thank you for your time and cooperation. 

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

I have contacted Equifax several times about the inquires and they are not removing even when I sent the FTC and they said it was a glitch and I had to resubmit.. This has happened several times
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the person responsible for the charges made on the accounts. Experian put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX ( Original Creditor : 01 XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : 08 XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XXXX XXXX  has been charging my card for months and I cant stop the charge on my bank and they wont stop charging either. Ive went in to cancel my membership almost 5 times and they keep charging my card. 
I was scammed through XXXX once and XXXX said I could not get my money back. It was a XXXX dollar charge and I had to lose
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete these items immediately XXXX XXXX
Product: Mortgage

In the spring of XX/XX/2019 we received an extra charge that was put on our monthly mortgage invoice in the amount of {$2600.00}. After Multiple phone call attempts to Lakeview Loan Servicing customer service, someone finally told me the reason the extra charge was added was because of attorney fees related to the sale of our neighbors property. I was confused as to why we would be charged attorney fees when we had nothing to do with the sale of our neighbors property. I called my neighbors attorney to inquire and he confirmed we should not have been charged any sort of fee. He created a letter to state this and I sent it to my mortgage company. It has been almost a year and the fee has still not been reversed.
Product: Credit reporting or other personal consumer reports

am writing to file a formal complaint against XXXX XXXX  for their alleged violation of 15 USC 6802, 16 CFR 313.7, FDCPA 807,808,809, and MGL Chapter 93A section 2. I believe that their actions have infringed upon my rights as a consumer and have caused significant financial and emotional distress. 

I entered into a credit card agreement with XXXX XXXX  on XX/XX/22. However, since the inception of this agreement, I have encountered numerous issues that have left me deeply dissatisfied and concerned about their compliance with federal and state regulations. 

Firstly, XXXX XXXX  has failed to provide me with clear and concise information regarding the collection, use, and disclosure of my personal information, as required by 15 USC 6802. Despite my repeated requests for a detailed explanation of how my personal information is being handled, they have been evasive and non-responsive. This lack of transparency raises serious concerns about the security and privacy of my personal data. 

Furthermore, I have reason to believe that XXXX XXXX  has engaged in unfair and deceptive practices, in violation of 16 CFR 313.7. They have consistently misrepresented the terms and conditions of the credit card agreement, leading to confusion and financial harm on my part. Additionally, their customer service representatives have been unhelpful and dismissive when I have sought clarification or resolution for these issues. 

Moreover, XXXX XXXX  has engaged in aggressive debt collection practices, which have caused me significant emotional distressThese actions are not only in violation of federal regulations, such as FDCPA XXXX, but also demonstrate a complete disregard for consumer rights and fair debt collection practices. 

Additionally, I believe that XXXX XXXX  's actions may also be in violation of MGL Chapter 93A section 2, which prohibits unfair or deceptive acts or practices in the conduct of any trade or commerce. Their failure to provide accurate and transparent information, as well as their aggressive debt collection practices, may constitute a violation of this state law.

In light of the aforementioned violations, I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint against XXXX XXXX. I believe that their actions have not only harmed me personally but may also be indicative of a broader pattern of non-compliance with federal and state regulations. 

I would appreciate your assistance in resolving this matter and ensuring that XXXX XXXX  is held accountable for their actions. Please find attached copies of relevant documents, including the correspondence with XXXX XXXX, and any other supporting evidence. 

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

This complaint has been previously submitted and a copy of the previous complaints shall be uploaded for your review. However, a new issue of complaint arises for each and every time these crooks falsely believe they can change their company name or whom they buy/sell the debt to and attach a false debt claim to my credit history. I will say it again the initial creditor was not authorized to open an electricity account in my name nor did I ever make application for such an account! Inclusively the electrical work was illegally wired in such a way that usage could not be fairly calculated between multiple units as proved in a courtroom of law and by a licensed journeyman! I want these accounts removed from my credit report immediately please. Thank you for your time and consideration!!!
Product: Debt collection

This collection agency has REAGED AN OLD MEDICAL DEBT which is highly illegal. They threatens me and did reage my account on my credit report. this is a small medical debt that I told them the va will take care of since I 'm a veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED A DISPUTE TO ALL XXXX CREDIT BUREAUS ABOUT AN ACCOUNT NAME XXXX BANK ACCOUNT NUMBER XXXX THIS ACCOUNT IS CLOSED ON MY ACCOUNT ON ALL BUREAUS.. THEY ALSO HAVE IT REPORTING TWICE ON MY REPORT FOR EQUIFAX STATING ITS BEEN CHARGED OFF WITH A BALANCE. 
THIS ACCOUNT IS NOT MINES SO I DISPUTED THIS AND THEY HAVE DID NOTHING BUT DECREASED MY BALANCE AND CLOSED THE ACCOUNT THAT WAS ALREADY CLOSED DELETE THIS ACCOUNT IMMEDIATELY IT'S DESTROYING MY FINANCIAL LIVING.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of hard inquiries from my credit report that were made without my consent or for permissible purposes as outlined in the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, a hard inquiry may only beconducted with the consumer 's permission for a specific purpose, such as applying for credit. As I have not authorized thmese inquiries, I respectfully urge you to investigate this matter and expedite the removal of the fraudulent inquiries from my credit file. 

XXXX XXXXXXXX XXXX -- XX/XX/year> XXXX XXXX XXXX
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 information or unverifiable accounts unresolved. The consumer Finacial 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. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the dispute accounts, as Experian inaction violates federal law and my rights as a consumer
Product: Debt collection

XXXX from XXXX XXXX XXXX has repeatedly called my cellphone, my job, and even called me at a restaurant while I was having dinner with friends. He has called multiple times, up to 4 times, in a single day. So much that, the receptionist where I work has blocked his number. She stated to me that he had started getting rude to her.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and I have asked for them to be removed but the bureaus did not do as I asked. I am providing an identify theft report which I will attach to this complaint and I am requesting for them to be removed because they are inaccurate and not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Summary of Problem : My rent check, which was made out to a business ( LLC ), was illegally stolen and cashed into a personal checking account. I filed a fraud claim with my bank ( XXXX XXXX XXXX ) against the bank with the check was cashed ( TD Bank ). I also filed a police report which I provided to my bank for the fraud claim. TD Bank will not respond to my bank at all and XXXX XXXX XXXX has tried to close my fraud claim because TD Bank will not communicate. 

Details : I sent my rent check to my landlord on XX/XX/2017. My check was stolen in the mail and illegally cashed on XX/XX/2017. The amount was {$1600.00}. 
The check was made out to to " XXXX XXXX XXXX '' which had XXXX in the title, which is obviously a business. XXXX XXXX XXXX utilizes a stamp with their name to endorse every one of their checks. 
The check was cashed at a TD Bank to a personal account. The check had a scribbled signature on the back when I reviewed it in my account. The check should have NEVER cleared at TD Bank. The account it was cashed to was a personal account. NOT A BUSINESS. The personal account also had no affiliation with XXXX XXXX XXXX. 
I filed a police report and the detectives were able to track down the person whos account the check was cashed to but was unable to make an arrest. 
I filed a fraud claim with XXXX  XXXX XXXX, which is my bank, and they can not recover the funds from TD Bank. XXXX  XXXX XXXX has tried to close the fraud claim because they say TD bank wont respond to them. Which seems like a lazy excuse to just give up on me and move on. 

I am getting completely screwed by TD Bank because they let a check, that was made out to a business, get cashed into a personal account that had ZERO association with the business ( XXXX XXXX XXXX ) and not they are just ignoring legitimate claims that they should refund my money. 
I am also getting screwed by my bank ( XXXX  XXXX XXXX ) because they are not doing nearly enough to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Look I'm the victim here, this Bank Citibank has been a problem for years on my Credit Reports. I filed Bankrupty over 15 years ago, Citibank was part of that judgement. I see on my credit report that this account came after my bankrupt. They are really beginning to upset me, not only are they on my credit report, but on my mothers credit report who has no nothing to do with that bank. My old mother doesn't even have a credit card only 1 XXXX. Me and my mother are victims of fraud, we have reported it. Many stuff on my report are very similuar to my mothers. I'm very upset with all these banks that allow Credit Cards to be open without background checks and liability. This needs to stop. Also XXXX XXXX XXXX is on my report 4 times I've never banked at that bank. Stop this fradulent asctivity
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXXXXXX. I had taken a cash advance in XXXX which I paid off in XXXX. I actually overpaid and had a negative balance on the account for several months. XXXX XXXX XXXX erroneously and fraudulently reported that I was 30 and 60 days late in XXXX and XXXX despite having a negative balance during that time ( the bank owed me money! ) and closed my account. I have credit card statements from Bank XXXX XXXX verifying all this. I tried contacting XXXX XXXX XXXX to reverse it but they haven't taken any meaningful action and just move me from one branch to another. I spoke to them several times. I contacted all 3 credit bureaus and sent them a copy of all my bank statements showing no balance!! They still haven't corrected it and just said that this is what the bank is reporting. Even in the credit bureaus ( XXXX, XXXX, Transunion ) reports they have {$0.00} balance for those months. I don't believe they reviewed the bank statements and did a serious investigation. Please help me with this. You can review the rest of my credit history and it is impeccable. I have never had a late payment in the last 10 years probably. I watch my credit very carefully. 

I'm gon na attach a copy of all my bank statements from XXXX XXXXXXXX XXXX.