23daVinci/CFPB_Complaints huggingface dataset:
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. 
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 have violated my rights. 


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.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX credit card= never got card nor info advs to cancel i did not recived anything from them. called them and they said they will report to XXXX that i do not have an acct with them but they still pulled my credit report XX/XX/XXXX XXXX  never applied for an acct but yet they pulled my credit report. 
try to call them but would not talk to me. 
i am trying to rebuild my credit and someone is applying for other accts i did not give permission.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, they are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
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 and 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. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXXXXXX Balance : {$0.00} XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020
Product: Student loan

Equitable acceptance told me that they were part of  XXXX  student loan forgiveness and that my loan was going to be forgiven. They charged me {$40.00} a month to keep an eye on my account they took this out automatically every month when I checked my account a full loan was there and nothing I was paying was going towards paying it off. I was lied to entirely. I cancelled the automatic payments and received harassing phone calls multiple times a day for weeks. Whenever I tried to call and cancel my services with them they never answered or returned my messages.
Product: Checking or savings account

As shown on the attached scan, BB & T has opened Banking Accounts ( checking I believe, and an e-Savings account ) and a credit card which I did not request. It appears they were opened on XXXX XX/XX/2018.
Product: Payday loan, title loan, or personal loan

I purchased windows from XXXX XXXX XXXX from XXXX, Texas on XX/XX/2020. The representative XXXX XXXX told me the windows would cost XXXX. I ordered a total of 9 windows and the representative quoted me XXXX for the following : 6-double hung windows measuring approximately 31.5 inches by 52.5 inches. 
2-double hung windows measuring approximately 36 inches by 52.5 inches 1-picture frame window measuring 27 inches by 52.5 inches. The rep stated that picture framed windows were cheaper than double-hung windows. I asked if I would receive an invoice and he said yes. 
I measured the windows myself because I never received an invoice from XXXX XXXX XXXX  even though I asked numerous times. The representative completed the forms for financing through Greensky. I was approved and I was told that I would have to start paying in 4 months. The windows were installed in XXXX and when the installer came to install the windows there was a mistake with the windows I ordered. Instead of getting a picture frame window for the window measuring 27 inches by 52.5 inches, I got a double-hung window and 1 picture framed window measuring 36 inches by 52.5 inches. I told the installer to just leave the smaller-sized double-hung window and since they already had to order another window I requested to just replace the larger double-hung window to match the picture-framed window. I received an email later the next week from Greensky asking me to accept the charge of XXXX. I declined because I did not get an invoice from XXXX and I should have received an adjustment for the cost since I received 2 large picture-framed windows because of XXXX XXXX  error. Greensky representative said she would investigate the matter. After a week, a Greensky rep told me that they closed the investigation and I had to pay the XXXX because that is what I agreed. I feel like Greensky did not try to dispute the charge on my behalf. I did call XXXX and I spoke to someone in finance and they stated that no one had inquired about the charge and they would let me know. As of today, no one from XXXX XXXX  has contacted me. I just want to be billed correctly. I feel like I am paying more than what I should and I'm in the dark of what the charges because I never received an invoice. Today I received a billing statement from Greensky and it indicated that I had to make my first payment by XX/XX/2020. My issues are with both XXXX XXXX XXXX from XXXX, Texas, and Greensky. 
In my statement, they ran my credit for a purchase of XXXX. I never approved that much to be run on my credit. There were several inquiries into my credit. This also needs to be investigated. The statement indicates that I was credited XXXX.
Product: Mortgage

I was the trustee of my sister 's property, I paid the mortgage n taxes, the house had a bad loan and they would not work with me, the house foreclosures, lost my sister 's family home, then they turned around and sold it at auction for less than what I offered. I believe there is a law suit going on regarding this? My sister 's name was XXXX XXXX. The house address was XXXX XXXX XXXX in XXXXXXXX XXXX Please advise if I'm on the right path. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

ABUSE OF POWER. FORCED LIFETIME MEMBERSHIP. Where credit cards opened & payments made using members Undeletable Profile. USAA. PROVIDES NO DELETE POLICY. See attatched XXXX Credit Report USAA Account ( XXXX XXXX ) opened XX/XX/XXXX date closed XX/XX/XXXX IS ALL INCORRECT. See attatched XXXX Account ( XXXX XXXX ) DEBT DISCHARGED CANCELLATION DEBT XXXXWHY DID ACCOUNT NUMBERS CHANGE? ALL DATES INCORRECT? THESE ARE THE SAME ACCOUNTS WITH ( XXXX ) BEGINNING & ( XXXX )?? OR IS IT see attatched USAA MC statement XX/XX/XXXX with {$100.00}?? DELIQUENT. beginning ( XXXX ) See attatched USAA XX/XX/XXXX CREDIT CARD ( XXXX )?? ACCOUNTS KEEP CHANGING NUMBERS?? end XXXX DID NOT SETTLE UNTIL XX/XX/XXXX.?? Kindly Note XXXX  Credit Report has USAA Account ( XXXX )?? DELIQUENT ALSO.see attatched CREDIT CARD FRAUD CLAIM OF XX/XX/XXXX UNAUTHIRIZED TRANSACTIONS {$470.00} VISA ending XXXX. USAA OPENED A VISA XXXX I DID NOT AUTHORIZE. A MC XXXX I DID NOT AUTHORIZE. USAA USED MY PRIVATE PROFILE DATA TO OPEN THESE TWO ACCOUNTS & POST A PAYMENT XX/XX/XXXX I DID NOT AUTHORIZE USING MY PRIVATE PROFILE DATA. USAA REFUSES TO DELETE MY PROFILE CLAIMING I AM A LIFETIME MEMBER. HOW CAN THEY HOLD MY PRIVATE DATA AGAINST MY WILL TIL DEATH DO US PART? ( *ABUSE OF POWER. * )
Product: Debt collection

This account was paid in full so i don't know how they are saying i owe XXXX cent.
Product: Credit card or prepaid card

Back on XX/XX/XXXX I applied for the chase freedom unlimited card which has a spend {$500.00} in 3 months get {$200.00} back plus 5 % cash back on gas purchases up to XXXX for new card members. I went on the website XXXX XXXX went back and applied XX/XX/XXXX through the link that mentioned all of that. Spent my XXXX {$200.00} never showed up nor did the 5 % cash back on gas. When I first called in XXXX when the {$200.00} should have been applied, I was told by the first representative that my account wasnt eligible for ANY offers, even as a new card member. Then I was told by someone else that the offer I clicked on was expired. If that was the case why was it still being advertised? XXXX from chase executive office called me on XX/XX/XXXX and i proceeded to call her back just about every other day to speak with her. then sent me an letter in the mail on XX/XX/XXXX after I filed a complaint with the XXXX that said I was eligible for an offer that wasn't even listed on their website ( an extra 1.5 % added to the regular percentage on thank you points ). She proceeded to continue dodging my calls. Another woman ( XXXX ) called me on XX/XX/XXXX. I did not hear back from her until i called AGAIN on XX/XX/XXXX. I still didnt hear back from her until XX/XX/XXXX. She proceeded to read off of a prmpt and said based on their " research '' i wasnt eligible. When I asked how that is possible since it is advertised for ALL new cardmembers, she continued the lies. First she said that the offer had expired, then she told me it's good until XX/XX/XXXX. If that is the case then again, it should've been applied to my account. Then she told me people don't get those offers if they've already gotten a bonus that year and I told her if she looked she could see I was a brand new card holder. And I have screenshots of the offer from XXXX ( see attached ) and they just won't budge. What makes it WORSE is that my fiancee recieved a chase offer IN THE MAIL TWO DAYS AGO- SAME AS ADVERTISED ON THEIR WEBSITE CURRENTLY AND THE ONE I APPLIED FOR that they are REFUSING to give to me! I'm furious because I know chase is a good card to have but I'm completely turned off with the lying and the bait and switch. I just want to pay off the XXXX and close the card but I also want chase to stick to what they're promoting.
Product: Money transfer, virtual currency, or money service

I added money to my gpay account XX/XX/XXXX of XXXX  with my XXXX savings account. I no longer have the XXXX account open and I've sent in multiple forms of identity verification to g pay to verify my account. They have suspended my account and will not return my XXXX $ I have given them information to return my funds to another that was added to gpay that is also in my name. The cards on my g pay that they are asking to verify were a friends that they are asking to verify along with mine and I can no longer reach them to get their info either.
Product: Checking or savings account

So Back in 2016 I went into Wells Fargo to open a bank account, the account was shortly closed due to early warning services .... they are saying that I applied for a student loan and added a co-signer that did not ask to be added. I have told Wells Fargo I have made one student loan application without a co-signer and I have confirmed that there is an additional I have let them know that it was not me that applied fraud was done in my name I never did an application with a co-signer. Here we are two years later and I am not able to successfully open a bank account. I opened a checking and savings with XXXX XXXX XXXX XXXX, which surprisingly they allowed me to open, but that too was closed shortly telling me to contact early warning services again. Because I told them that I have applied for student loan ( I INCLUDED THAT THIS WAS DONE RECENTLY THIS YEAR WITH NO CO-SIGNER ) Wells Fargo has refused to remove this accusation from my Early Warning services report and My XXXX XXXX account can not be used until they receive something from red saying that those things are inaccurate. Because fraud was done in my name I am being limited and can not use or open any account near me! This is affecting me my financial support and my time and this is really inconveniencing. I have disputed tried everything Wells Fargo is just not willing to remove this and I need this looked into further! I am being punished for no reason at all, Waiting anxiously for a response as my account has been restricted since the second week of XXXX and we are nearly in the second week of XXXX
Product: Checking or savings account

Subject : Refund to Closed Chase Account - {$840.00} Not Resolved Details of Complaint : On XX/XX/XXXX, XXXX XXXX issued a refund of {$840.00} to my closed Chase account via XXXX XXXX XXXX XXXX XXXX Despite providing proof of this transaction ( attached receipt ), Chase has failed to provide a consistent explanation or resolution.

Each time I contacted Chase, I received conflicting responses : XXXX. The funds were frozen. 
XXXX. The transaction bounced back. 
XXXX. The funds were still in transit. 
XXXX. The transaction never took place. 

My account was closed in XXXX, but Chase has not made any effort to locate or release the refund. This lack of investigation or clarity is causing financial hardship, and I believe my funds are being withheld unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with XXXX EQUIFAX AND XXXX SEVERAL TIME LETTING THEM KNOW I HAVE INQUIRIES LISTENED WITHOUT MY CONSENT, I did not give permission to inquire and I demand each one list be deleted immediately and pay {$1000.00} per fine per violation, they are listed belowXXXX 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 card or prepaid card

Have had a Kohl 's credit card for years, the card has always been on auto pay. I was ill last month so didn't check my statement. Today I received a letter from Kohl 's saying that they had temporarily suspended my account due to non payment. I tried to log onto the account and was unable to, so I called the number on the letter, made the payment of {XXXX}, asked why it was no longer on auto pay and was told that since I had a XXXX  balance a few months ago it kicked me off of auto pay. I asked how I was supposed to know that and didn't receive an answer. Asked to have the late fees removed and they agreed. Asked how I could access my account and was transferred to customer service where I was told that someone had manually taken me off of auto pay, wasn't me I would have no reason to do that. Asked why I couldn't access my account as all the info I entered was correct and was told that they had sent a new card to me in XXXX and I would have to use those numbers. Explained that I did not receive a new card and if they had sent out a new card how was it I was able to use the old one? Was told that I could always use the old one which made no sense. Asked for a supervisor was basically told that they always let you use the old card in case you want to give it to a relative to use. So theoretically you could have several old cards laying around and give them to others to use. ( who does that? ) Told me that they sent me an email each month to access my statement, asked her how I was supposed to access my statement when I couldn't get into the account and I wanted to be able to access my statement today. Told me I couldn't. Also told me that I had been reported to the credit bureau as being late two months. When I told her that I wouldn't have been late if they hadn't kicked me off of auto pay she told me that they had a new program which had fouled things up. I informed her that they needed a new programmer and because of their incompetence their programming problem had now become my problem and I didn't appreciate it. Again no answer.
Product: Credit reporting or other personal consumer reports

Consumer Information : - Name : XXXX XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - Date : XX/XX/XXXX Bureau Information : - Bureau Name : Transunion Consumer Solutions- Address : XXXX XXXX XXXX XXXX, PA XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Transunion. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.
Product: Debt collection

I would like to bring your attention that COMMONWEALTH FINANCIAL are violating several laws pertaining to my social security Number, and the FDCPA. First thing, I would like to know how they came into possession of my social security number, who authorized their company to use their tradeline on my credit file. Furthermore, they have placed a negative account on my credit file before they addressed a debt assumption letter to me. According to my credit file, the date for this fraudulent account was placed on my credit file XXXX XXXX, 2015, and I am just now receiving a debt assumption letter on XXXX XXXX, 2015. 

I would like to state for the record that I have never received a debt assumption letter from them until now ; if they sent any letter previous to XXXX XXXX, 2015, I demand they show proof of mailing and proof of claim that I have ever received such letter. 

I have disputed this with all three credit bureaus and the bureaus claim they have verified the account. How can this be if I am just now receiving a debt assumption letter in XXXX XXXX, 2015, when this has been on my credit file since XXXX XXXX, 2015. 

IF THIS IS NOT THE CASE, THEN WHY WOULD THEY SEND ME A DEBT ASSUMPTION LETTER IN XX/XX/XXXX, IF THEY ALREADY TOOK THE APPROPRIATE ACTION FOR THEM TO PUT THIS ON MY CREDIT FILE IN XX/XX/XXXX.?
Product: Debt collection

I have been a capital one customer for many years. from XX/XX/XXXX through XX/XX/XXXX, I had serious medical issues and was incapable physically of paying my credit card on time. I was in a serious medical crisis in XXXX. I reached out to capital one repeatedly asking for XXXX XXXX with the hopes of removing some of the late payments that appear on my credit reports. I've sent letters, made repeated phone calls, to no avail. I have paid off my credit card debt but the late fees are wrecking havoc on my credit scores. 

I have now been told that Capital One is unable to help resolve any of the late fees because it has been more than six months. 

I have a stable track record of payments up until the time of my near death illness and subsequent recovery. 

I've sent registered letters, I've made phone calls.
Product: Credit card or prepaid card

I was a victim of identity theft in XXXX, and have had multiple credit card accounts opened in my name since then. In XXXX of XXXX, I found a credit card opened in my name that I did not open. It was charged for XXXX XXXX and opened XX/XX/XXXX. It had not appeared on my credit report prior to this, and I was not contacted by Discover about this card. 

I reported this to Discover Bank in XXXX and XXXX of XXXX. I forwarded Discover the information they asked for, which included information about previously opened fraudulent accounts, as well as a Police and FTC report. I was informed that they would need more information regarding this account. I contacted them on multiple occasions, and was continuously told to resend the information previously mentioned. 

In XXXX of XXXX, I received a notice in the mail that this account had been investigated, and it's balance was considered valid due to the fact that the credit card was sent to a previous lived at address, and that I provided Discover with my name, address and identifying information. This account was opened without my knowledge or permission. I did not receive a card, and I did not provide Discover with my information.
Product: Student loan

I made my payment but the amount is showing as past due. I have sent at least 5 emails over the last 2 weeks and have not received a single response. The payment does show that it was paid but the past due amount also still shows. I have received 2 notices that my account is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a copy of the letter to equifax stating the inquiries made to my credit report on  XXXX   XXXX ,    2017  were submitted in error. Please remove them.