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

THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.
Product: Credit reporting or other personal consumer reports

i have the inquiries on my XXXX credit report but i did not initiate them ( 1 ) XXXX XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXXXX/XX/ ( 3 ) XXXX XXXX XXXX  ( 4 ) XXXX of XXXXXXXX XXXX  ( 5 ) XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report recently and noticed that you did not remove it. Why is that? 

Ally Financial Inquiry from XX/XX/2019 It appears to me that you don't care about my rights and my creditworthiness.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and XXXX XXXX  that this negative rating has caused me and will continue to cause until it is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX 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 OF XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I make all payment on time. 
my credit report is showing my open in great standing as late and now closed. 
its showing late payment for 90 days on XX/XX/2022. 
its showing they closed account on XXXX XXXX. 
this is false
Product: Credit card or prepaid card

I was lured to opening an account because you could get {$25.00} off your first purchase, I was approved for {$1200.00} which I was happy about because I had been working to improve my credit and that validated I was doing a good job. I used that card I think I had a a {$400.00} something dollar balance I had gotten a bonus from work and decided I would go ahead and pay it off. After I ended up using the card two more times then did a return on one of the items, then went back to try and find something else on another day XX/XX/20 to be exact, when I went to check out the card kept declining, I was very embarrassed and asked if I could step aside and call them because I should have way more then enough to cover. Well when I call I am told that the account was closed on the XXXX, when I asked why she said that XXXX advised them to close the account because I had a lot of new inquiries I was like that is crazy, I was approved for the card through Comenity Bank. The representative told me to call XXXX   which I did three times and all 3 times they told me they do not do that, they don't notify companies after the card is approved, and that this particular account was in good standing and they were not even showing it closed so I called the bank back and they told me the same story but told me I could apply again in 30 days. This seems very unfair to the consumer, I was in great standing with the account made payments on time. paid balance in full, I mean what more do they want? So now if I want to apply again I have to take another hard inquiry on my credit. Once you are approved for a card and you keep it in good standing they shouldn't be able to close the account under false pretenses, this is why people are struggling with credit because they ae being railroaded by the credit companies
Product: Checking or savings account

On XX/XX/2021, I landed at XXXX XXXX XXXX XXXX in XXXX XXXX. I attempted to withdraw cash from the ATM at XXXX bank at that airport using my debit card from Bank of America. 

The ATM did not dispense the cash, and I ended up exchanging some dollars at a cash exchange business nearby at the same airport. 

When I came back to the United States after vacation and reviewed my bank statement, I noticed XXXX had charged me {$320.00} plus {$5.00} ATM fee. I immediately started a transaction dispute with Bank of America about the fraudulent charge on my statement. 

Bank of America investigated and declined my dispute, citing I used my card to withdraw money. 

This is not fair.
Product: Checking or savings account

I filed fraud because I lost my card and seen it was being used, i disputed the charge and it directed me to call. During the time of my dispute, I had no access to any of my funds they restricted any acess I had to my money. This morning I get an email my dispute was denied because I was determined to authorize it. I got no other explanation and theres no other way to contest this dispute. I had submitted XXXX request about XXXX days ago of these situations that were escalated and I was assured XXXX would be getting back to me, and they never did. I did not authorize the charges which is why i filed as fraud, but for the reason of denial to be that I in fact did when I initiated this dispute because i did NOT I would be expecting some type of proof or reasoning on how this determination was concluded. I did not get either. They blocked my access to do bank transfers, as well as acess a virtual card. I had to do an instant transfer and even then the representatives told me I couldn't since I no longer qualified. I tried and by the grace of XXXX there must have been a glitch because it worked. I also did not get any communication from the escalation team from the fact they restricted my account and all my access to my funds. Or any explanation to why my fraud dispute was denied because they determined that I authorized charges I clearly said I did not.
Product: Payday loan, title loan, or personal loan

I purchased 2 XXXX XXXX on XX/XX/XXXX through the XXXX website. I was offered financing through Affirm. When I returned the XX/XX/XXXX because the robots did not clean my whole house and when my wife and I would come home from work the robot would be sitting in the middle of the floor dead not being able to make it back to the docking station. I called XXXX on XX/XX/XXXX to confirm receipt of the merchandise. I called Affirm on XX/XX/2021 to ask about my refund in the amount {$320.00}, XXXX at Affirm stated that they have not received my refund from XXXX and can not issue me a refund and that I have to continue making payments are they will report late payments to the credit bureau. I have attached proof that the items was sent BACK to the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
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
Product: Credit card or prepaid card

I opened a Home Depot credit card to take advantage of the 0 % interest rate promotion on balances for 6 months. I received an interest charge in my first bill and was told that anything under {$300.00} is not part of the promotional rate.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 - I had sent my complaint letter to CITIZENS FINANCIAL GROUP , INC., in which I clearly stated how this scam has affected me personally, psychologically and financially. 
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. 
My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operations run by XXXX  XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my CITIZENS FINANCIAL GROUP , INC. account to fraudulent investment firm ( s ).
Product: Credit card

Verified with your office about Federal law in place to deal with such conduct Both American Express and XXXX Bank violated such law by refusing to issue me credit card based on loss they experienced with my name over 8 years ago. 
According to your office, 7 years can be reported or acted upon but not beyond. 
My credit score around XXXX which enable me to get credit with other banks. 
Both American Express and XXXX specifically referred to specific loss occurred 8 years ago Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX Account Number XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX 15 USC 1681 B SEC 604 Permissible purposes of consumer reports states any consumer agency may furnish a consumer report under the following circumstances and no other : 1 ) in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal jury.

2 ) in accordanance with the written instructions of the consumer to whom it relates.

I did not give written authorization for this creditor to furnish any of my personal information, or share it with anyone XXXX please understand that i know a list of transactions is not a form of validation to be able to report my information or share it with any third parties please cease these actions. 

Small claims court and consumer law attorneys have told me i am eligible to make a small claim requesting payment for defamation if these keeps happening after i disputed it which ive done already. 

Your company is not authorized at all to share my information. Im not asking you to verify anything VALIDATE AND PROVIDE ME PROOF THAT YOU HAVE MY WRITTEN CONSENT TO SHARE MY NON PUBLIC INFORMATION
Product: Credit card

XXXX/XXXX/2016 On XXXX/XXXX/2016 XXXX XXXX returned dispute form to bank of America disputing {$150.00}. XXXX XXXX 's bank of America mastercard XXXX XXXX XXXX XXXX failed to dispute {$150.00} charge from XXXX XXXX/XXXX/2016 which was returned to XXXX via XXXX XXXX because punch did not work. Resolution is immediate permanent credit of {$150.00} from bank of America. XXXX XXXX XXXX/XXXX/2016 Collapse transaction for Transaction date : XXXX XXXX XXXX MA Transaction date : XXXX/XXXX/2016 Card type : Mastercard Transaction type : Purchases Merchant description : STATIONARY, OFFICE SUPPLIES, PRINTING AND WRI Merchant information : XXXX, MA Reference number : XXXX Dispute this transaction Type Purchases {$150.00} XXXX XXXX 's bank of America mastercard XXXX XXXX XXXX XXXX failed to dispute {$150.00} charge from XXXX XXXX/XXXX/2016 which was returned to XXXX via XXXX XXXX because punch did not work. Resolution is immediate permanent credit of {$150.00} from bank of America. XXXX XXXX
Product: Checking or savings account

I can not access any of my tax documents. Told by Company that my phone number was not valid, but have been using the same phone number for this account since 2023. Refuses to upscale complaint. Personal information appears to have been compromised and/ or leaked.
Product: Mortgage

The XX/XX/XXXX statement provided by the BMO includes interest from XX/XX/XXXX to XX/XX/XXXX. However, interest from XX/XX/XXXX to XX/XX/XXXX was already billed on the XX/XX/XXXX statement. Billing statements are still incorrect. Interest was billed twice.
Product: Mortgage

I WAS WITH OCWEN MORTGAGE SERVICING COMPANY HOME MODIFICATION ON XXXX THEY WROTE OFF PRINCIPAL AMOUNT TO BRING HOME LOAN DOWN TO XXXX FROM XXXX ORIGINALLY. 

MY HOME WAS MODIFIED WITH A SHORT APPRECIATION MORTGAGE OPTION. 

HOME WAS SOLD ON XX/XX/XXXX. 
I WAS FORCED TO PROVIDE A NEW ROOF ON THE HOME BEFORE IT WOULD PASS INSPECTION FOR XXXX OTHER CAPITAL UPGRADES INCLUDE NEW FLOOR ING {$5200.00} HVAC {$3900.00} NEW KITCHEN {$12000.00} PEST CERTIFICATE {$2800.00} PAINT {$800.00} FENCE {$3000.00} I ALSO PAID THE ORIGINAL OWNERS A BALANCE OF {$35000.00} ON THE HOME THEY SETTLED THE APPRECIATION MORTGAGE AND DID NOT GIVE ME ANY CREDITS FOR ALL OF THE UPGRADES TO CLOSE ON THE HOME. THEY DID NOT GIVE ME ANY AT ALL.
Product: Debt collection

This company is calling my parents, my children, my brother & past residences searching for me. I have no idea what this company wants with me. I 've tried to contact them, with out any success. If they would leave a clear vociemail, I would call them back.
Product: Debt collection

Back in XXXX XXXX I went to California for vacation and I lost my wallet with my Credit Card and Phone with Bank Information , Social Security Card and some cash in the taxi. When I realized, I Immediately filed a police complaint. I didn't know after filling a police complaint, I have to call my bank and all my credit card company to notify them about my lost things. I thought after I filed a police complaint they will get notified automatically. Which I made mistake and now I'm the victim of Identity Theft, and also, my credit is messed up and all my account is in collection department and I owe lot of money. 
Now I'm trying to fix everything, So I started communicating with them from XXXX and tried to dispute all those charges and account. 
So, specially in this financial hardship situation, if someone can assist me, I would be really grateful. 
Looking forward for a reply soon.
Product: Student loan

I co signed XXXX loans for my son years ago with XXXX XXXX now Navient and we have had nothing but trouble from them. At first he would pay his loans on time then fell behind and would pay late but would pay. Anytime I would reply to letters/bills from them asking for help from them it was always 3 options and 3 only. One was that they would reduce the amount owed if he would pay them off ( If he could do that he would have no trouble making payments ) or call to go over his options etc but they offered no real help. We got a call from one woman, who said she was a supervisor and wanted to resolve this and help him out. She explained that " if he would make a {$90.00} payment today, it would bring his XXXX loans current and this would be his new payment. ME : Is this per loan or combined? NAVIENT : This is combined. ME : So {$90.00} dollars is his new payment total for both loans? NAVIENT : Correct. ME : So he will no longer be behind, his accounts will be current and you do what? Tack what he was behind on to the end of the loans and he starts fresh? NAVIENT : Yes. '' WRONG! WRONG! WRONG! This became a " NEW '' loan to which neither of us knew we were opening or agreeing to!! We found this out when they withdrew ( or attempted to ) the {$90.00} and his normal monthly payments from his bank accounts! When I called to speak with the woman ( whose name and info I literally threw out months ago ) I was told " Oh she no longer works here ''. Right. XXXX XXXX XXXX, I got a call from a law firm that I hired to pay off debt I had incurred supporting my mother and my son and his wife while they were in school. They told me to call them regarding my account. My debt was paid off and my account closed in XXXX XXXX. The law firm would n't give them any info and even asked why they were asking about an account with them and Navient said " Oh someone told us ''. They were never even listed in my debt repayment. I thought this was illegal. I asked my son if he mentioned anything to Navient and he said no. These people are crooks who lie cheat and steal. I am a widow on a fixed income for XXXX and can not afford to pay these loans ( I was able at the time I signed and did make some ). I have no pension no nothing left. I pray you can help us.
Product: Mortgage

In XXXX my husband and I purchased a home in XXXX, The mortgage went thru XXXX  XXXX XXXX. In XXXX my husband and I divorced. He lives in the home that we both own and we are both still on title. There was NO quick claim deed executed. In XXXX my ex-husband remodified our home loan with Bank XXXX XXXX without my knowledge, consent or signature. The signature page on the mortgage paperwork has a line for my signature but my signature it not on the paperwork. The loan was changed from a 30 year loan to a 40 year loan without my signature. 
The mortgage loan on our this property has since been transferred to Seterus Inc. 
XXXX XXXX XXXX wont talk to me because the mortgage has been transferred to Seterus and Seterus says that they are not responsible because the remoificatation took place with XXXX XXXX XXXX. 
I am now being held financially responsible for a 40 year loan that I did not approve or sign for.
Product: Money transfer, virtual currency, or money service

They insist on opening an account every time I attempt to do so, yet they persistently close it.
Product: Checking or savings account

I had an account set up with M & T Bank 2016 some time i believe in XXXX and some one accessed my account and overdraft my account up to XXXX  dollars and my account was flagged and closed being that i don't know too much about bank accounts and how they work the problem was never resolved.this account was opened in XXXX XXXX XXXX.I 'm just seeking to have this resolved being that XXXX dollars was taken when i made a deposit at the atm machine and i knew nothing about the overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting a formal dispute regarding a debt reported by IC Systems under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, attributed to XXXX XXXX. This account appears on my personal credit report, and I believe it has been inaccurately reported. In addition, I am requesting documentation to confirm the resolution of a previous dispute concerning this account. 

The following issues require review and action : Verification of debt ownership : I request documentation containing a signature or authorization demonstrating that I agreed to or am personally responsible for this debt. 
Confirmation of proper reporting : I request verification that this debt is personal and not associated with my XXXX, XXXX XXXX XXXX XXXX, as it currently appears on my personal credit report. 
Key account details : I request verification of the date of the last payment made on this account and the date the debt was placed in collections. 
Proof of prior dispute resolution : Please provide documentation proving that a previous dispute related to this account was fully investigated and resolved, including any findings or actions taken. 
I have made a formal request to IC Systems for validation under the Fair Debt Collection Practices Act ( FDCPA ). However, I suspect that automated systems such as XXXX may have introduced errors in the reporting and resolution process. I request a manual review to ensure the accuracy and fairness of this matter [ 1 ] [ 2 ].