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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CAPITAL ONE Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - CARD SERVICE Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Checking or savings account

Reference ID : XXXX Since XX/XX/2023 my account was frozen with message " Your account access is temporarily limited ''. I have tried to contact PayPal customer service many times and I they don't provide any information about why my account is frozen. I have also never received any emails related to the case and emails that I was promised by PayPal customer service, with explanation why PayPal is holding funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contatced XXXX XXXX a total of 15 times either by phone or mail since XX/XX/XXXX when the first XXXX XXXX  account was open then in XX/XX/XXXX another XXXX XXXX account was opened. I have made numerous attempts to get this cleared up and removed from my Equifax credit report. Neither Equifax or XXXX has tried to assist me or tell me what I need to do on my end to get this resolved. I keep receiving letters from DISCOVER staing they will not review. I feel like I am being singled out by a company that I have never dealt with my identity was stolen in XX/XX/XXXX. I have sent them a copy of my police report that didn't make a difference either.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - XXXX XXXX Account Number : XXXX INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account ending in XXXX with American Express has been paid off. American Express is showing their is a past due balance of {$690.00} and that is incorrect. Also, the negative remark of this being a charge off account is inaccurate. Please see attachment from American Express validating this account has been paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a dispute with Sears credit about a delinquent account when I closed the account and had pay off balance months prior. They claimed it was open when, in fact, it was closed. Its the only thing that could affect my score. Since the. My score dropped over 100 points.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report despite my submission Equifax consistently response within XXXX hours stating the account is accurate, without providing any evidence of thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. C 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

I got an email message from USAA that I could not use their autopay services because I had never set up the account to list a funding source. 

My payment history and bank statement prove this is totally false and supposedly they deducted a {$900.00} premium payment from my XXXX XXXX account on XXXX. 

I checked online on manage my account and they had blocked me from seeing what was on file. I finally talked with a floor agent who confirmed that the account was set up for autopayment and could not explain why I had been told otherwise by upper corporate management. He also confirmed that the routing number USAA had on file was incorrect for my account number. 

I think my personal information was hacked and USAA is attempting to cover it up and my life savings is at risk
Product: Credit reporting or other personal consumer reports

i got the notification today from Experian that XXXX of the the Items ive been trying to dispute for over a year now will still remain on my report. i called the item which is XXXX XXXX to send me over some sort of form of prove i can show experian that shows that i did pay them and the item on my report is incorrect and she did and i send it over to experian asking them what kind of method are they using to validate that item is correct because is not. and is been more than XXXX  years as well so that item shouldnt be on my report
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX 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. 

and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

In XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX accepted a resolution of {$2000.00} to settle my account. On XX/XX/XXXXXXXX XXXX XXXX  the payment was made. As of XXXX XXXX XXXX they have not updated my credit report or sent me a letter stating it has been settled. And they are now saying I owe the {$2000.00} more dollars.
Product: Checking or savings account

Chime forced my account into suspension when I deposited a check my grandpa sent me for {$1000.00}. First, they delayed the funds, then they froze the account. I got so many phishy emails about why it was suspended, and emails from people pretending to be chime. To the point fast forward to XXXX XXXXXXXX, I still cant get access to funds in my chime account or access to my chime account at all. I am so XXXX off!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Mortgage

I submitted a mortgage application to U.S. Bank in XX/XX/XXXX to refinance my home, and paid an application fee of {$390.00}. As of XX/XX/XXXX, US Bank was still requesting updated versions of documents that had previously been provided ; as well as documents that aren't possible to obtain. Example : They requested a " bank statement '' to cover a period that ended in the middle of a month. Actual statements are only available following the end of the month period, so I provided a month-to-date transaction report. 
I believe that the persons handling my loan application were incompetent, and the firm as a whole was too busy to actually process my loan, since my approval kept expiring - thus the reason I would have to provide updated documentation. 
I stopped the process in XXXX and requested a refund of my {$390.00} application fee in XX/XX/XXXX. I believe my application was not accepted in good faith and would never have been completed. 
The Loan Assistant XXXX XXXX has responded by email on three different occasions stating that she is working on my request for a refund, but nothing has happened despite my many follow ups.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer credit report, and this my 2nd time filing my complain to your agency and the problem on inaccurate reporting is still existing to 3 bureaus. I have consistently disputed the inaccuracies in the following information with XXXX, XXXX, and TransUnion ; however, regrettably, the matter remains unresolved to this day. 

1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account Number : XXXX Please ensure that all information is accurate 3. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
4. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

1. The following personal information is incorrect Name : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/2021 3. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Under XXXX XXXX XXXX XXXX ( XXXX ). Unfair Practices XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX 2. The following personal information is incorrect Employers : XXXX XXXX 3. The following personal information is incorrect Employers : XXXX XXXX 4. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account Number : XXXX Please ensure that all information is accurate 5. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXXXXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Credit reporting or other personal consumer reports

I am submitting this follow up with regrads to my response to the recent investigation. I disagree with your findings and am requesting complete accuracy. I am not convinced that sufficient efforts were made to contact the creditor reporting this information on my report. Therefore, I am requesting more information regarding the following accounts in question : XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XXXX Balance Owed : {$4700.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$8300.00} XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5- - 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ).
Product: Credit card or prepaid card

Credit card opened unauthorized using my identity and sent to collections due to non-payments. Credit card was opened XX/XX/XXXX, for the amount of {$200.00}. {$630.00} was sent to collections due to over due payment on XX/XX/XXXX. Unauthorized used was confront and refuses to pay up to date. 

A case was opened with a detective from the city police department on XX/XX/XXXX for identity theft. Case number XXXX. Please feel free to contact me to my email address or the city police department for more information.
Product: Mortgage

On XX/XX/XXXX I, XXXX XXXX, sent a complete loan modification package to Wells Fargo. A few days later Wells Fargo sent a letter of denial before they even opened the package. On XX/XX/XXXX Wells Fargo did open the file and it was underwritten. I was one piece of paper ( a 4506 IRS form ) shy of getting into an active modification which would have stopped the foreclosure on XX/XX/XXXX. I pleaded with a supervisor and even went to XXXX XXXX 's office to complain to an attorney there. The attorney advised I send in another complete package. In addition, I sent a complete package to NACA, D & E a direct agent for XXXX XXXX, and the XXXX XXXX XXXX, in XXXX, N.Y who has done over 7,000 loan modifications since XXXX. Wells Fargo keeps denying me. The other three companies have all approved me for a modification.On XXXX XXXX, XXXX I filled a Chap. XXXX BK to stop the foreclosure sale. Wells Fargo 's attorneys called an emergency hearing for XXXX XXXX, XXXX XXXX, XXXX the day of the foreclosure sale. The Judge lifted the stay and allowed Wells Fargo 's attorneys to " cry out " the sale. I had an employee at the court house all day of XXXX XXXX, XXXX and in particular between XXXX XXXX and XXXX no " cry out '' of the sale occured. This is a wrongful foreclosure. The video surveillance cameras will verify that no sale took place as Wells Faroo 's attorney 's claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my XXXX XXXX card then made fradulent charges on it. I sent XXXX XXXX a police report & an ID theft affadavit, I have talked to XXXX XXXX a dozen times over the phone & the person on the phone always tells me that he is going to remove the negative information from my transunion credit report but he never removes it. 

The negative information has been on my transunion report for over five years but it still hasn't been removed. 

Transunion tells me that XXXX XXXX has verified this info as accurate but XXXX XXXX  tells me that the negative info shouldn't be on the credit report. 

Will you help me get this negative information removed from my credit report.
Product: Debt collection

I already have disputed this account multiple times for the last 6 months and there has been no any response after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesn't make sense at all. The last active states and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non-compliance. Please remove these accounts referenced to the files attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has harassed me for over XXXX XXXX reporting inaccurate information and keeping me from obtaining credit lines and buying a home because they are illegally reporting fees they tacked on to the end of a XXXX XXXX account. They are constantly emailing me that my payment is due, every month when this account has been paid off and closed for almost XXXX XXXX. I plan to sue them for harassing communications if this is not rectified immediately.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

i recently had a fraudulent wire charge for XXXX XX/XX/XXXX and was denied my phone was stolen and i thi then bbva denied the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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: Consumer Loan

I took out an installment loan with at the time the company was named castlepayday.com / Red Rock Tribal Red Rock Tribal Lending, LLC d/b/a CastlePayday.com Customer Support support @ CastlePayDay.com XXXX for XXXX $ XX/XX/XXXX. I was unable to pay the first payment and then future payments ceased to go through my account with out a word from them. After a year passes I get a call from a mediator to collect XXXX $ and I attempt to pay the debt with them but they refuse to send me documentation first and say that the company has changed name to big picture loans, I attempted to call them today XXXX XXXX to dispute the matter and they refused to work with me. THis is a predatory lender that never disclosed extra finance charges nor attempted any communication with me to fix the matter. They however took it upon themselves to increase my due payment more than XXXX $ extra dollars. Please help me with this matter and investigate their malpractice.
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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.