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.

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 inructions 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. 

These are the inquiries which should be off from report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts are appearing on my credit report, without any authorization, they do not belong to me, it is hurting me Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

10. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

11. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

17. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

18. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

21. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting

there is some account on my report i have no clue who this belongs to.
Product: Debt collection

XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX Communication by email, Received another mail from you, I do not owe what you sent me. I pay my co-pays at the time of visit. 
On top of that you listed an attending physician that does not even work at the XXXX XXXX XXXXXXXX or XXXX XXXX XXXX. I dont owe that debt. 
I will file a complain to the FTC if I receive another
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX-
Product: Debt collection

A few months ago, I had fallen behind on my bill with PayPal Credit. Within the last few weeks, they contacted my father to try to reach me. From what I had been told by my father, the individual who had called told him that I owed a balance and the amount of said balance. I initially had issues with them calling my phone before XXXX when I was in XXXX over the XX/XX/XXXX, and now they disclose information to others without my consent? If I could afford a lawyer, I would gladly sue over this. Sadly, I am trying to go through college, and that has impacted my available resources for the time being.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the XXXX parties. Per FCRA, reporting must be XXXX XXXX accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX 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

I have an US Bank issued XXXX XXXX XXXX that gives a renewal bonus of free night certificate ( XXXX ) valid for US redemption after spending {$10000.00} and paying the credit card annual fee. The XXXX was supposed to be issued within 6 to 8 weeks of meeting both requirements. I met the requirements in mid XXXX and I should have been issued the XXXX in late XXXX/ early XXXX. I have been contacting both US Bank and XXXX XXXX numerous times since late XXXX both by emailing and calling. They blamed each other for the delay and each told me to contact the other party as they are not responsible. After doing some research, I found out US Bank is ultimately responsible for the delay. 
After weeks of back and forth, I finally got a hold of an US Bank supervisor who verified my meeting the requirements and promised to " escalate '' this case with the rewards department. I was told that I will receive the XXXX within 10 days. That was a month ago. The supervisor even said that she 'll follow thru to ensure the XXXX will be received by me in a timely manner after I told her that I need to make a reservation for XXXX. US Bank failed me on many fronts.
Product: Debt collection

I'm receiving repeated calls from this collection agency on my work and cell phone the calls started lasted month but, on today I received a total of four calls back to back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Extremely impossible to get Experian agent on phone to speak about how I lost XXXX points overnight on my credit report XXXX. 
I was a strong XXXX for a whole month and then it went up to XXXX and then today you brought me back down to XXXX what am I doing so different? 

I wouldn't have to go these means to get in contact with you if you would just answer your phone correctly and allow me to get an agent on the phone it's pretty frustrating that I have to do this just to get an answer from you all now I have to wait 30 days ...
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 Equifax received my CFPB complaint about how my information with Equifax should be equivalent to my XXXX credit report, and then in XXXX I received a letter from Equifax stating, " we were unable to locate a credit file in our database with the identification information provided. '' ( the letter will be uploaded to this complaint ) dated XX/XX/2024. When I provided my information to the CFPB, I gave my date of Birth along with the last four of my social security number. So, with all this being said how is it that my credit file can not be located but you all have reported inaccurate credit information to my credit report that I CAN SEE ( which I will also attach to this complaint )? So now everything is contradicting everything. How are you all reporting information if you all can't locate a credit file associated with my date of birth and my social security number? Make it make sense?
Product: Mortgage

On XXXX, we started the online application for a mortgage with XXXX XXXX at US Mortgage Corporation. XXXX XXXX has since prolonged the the processing of our mortgage application for his financial gains. He has attempted to coerce us into making detrimental financial decisions like cosigning on a co-op for another client of his. When we asked for an update on our loan application, he told us we would have a response by XX/XX/XXXX, which is also the date he expected my husband to sign a document agreeing to co-sign on a co-op. When we told him we wanted a lawyer to review the " simple '' co-signer contract, he advised us to have a lawyer review it after it was signed. When my husband refused to co-sign, there was no more discussion about our loan. On XX/XX/XXXX I received a phone call from another lender who informed me that my information had been sold for the solicitation of other financial offers. On XX/XX/XXXX, we requested a withdrawal of our application. XXXX XXXX told us that " everything was done ''. We're not sure what that means since we still do not have a preapproval. As of XX/XX/XXXX, we still have no preapproval documents. XXXX XXXX 's practices are unethical, unprofessional, and dangerous. Our loan application was never completed after we refused to cosign on another property.
Product: Checking or savings account

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, submitted a fraud claim with my bank XXXX XXXX XXXX XXXX ) and with the XXXX XXXX XXXXXXXX XXXX XXXX. in the amount of {$4600.00}. A check ( check # XXXX ) that I had written to XXXX XXXX XXXX in the amount of {$1600.00} for XXXX XXXX XXXX after a storm was altered by washing the date off completely, by altering the Payee to XXXX XXXX XXXX, by altering the amount to {$4600.00} and by completely washing off the memo part. My signature was the only part not altered. XXXX XXXX XXXX  submitted to JP Morgan Chase Bank a claim dated XX/XX/XXXX under the Uniform Commercial Code XXXX Presentment Warranties requesting they submit the funds back to XXXX XXXX XXXX so that they could credit our account. On XX/XX/XXXX, Chase Bank declined the request with the reason that the signature on this check was not similar. Bold face lie, that is the only part of the check that was not altered. XXXX resubmitted the claim but it was denied again. I did not receive this information until XX/XX/XXXX. I submitted my own request to Chase and XXXX on XX/XX/XXXX. To date I have heard absolutely nothing.
Product: Credit reporting or other personal consumer reports

I filed a complaint against Experian on XX/XX/year>. Experian claimed they completed and investigation that the information for fraudulent accounts, and the accounts has been verified and updated. I am requesting a detailed summary of Experian investigation, what documentation the creditors provide to Experian to certify or verify these fraudulent accounts as belonging to me. This case is about to go to arbitration! 

Please see attached!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report several months ago to find that XXXX XXXX XXXX has an open debt collection for {$1600.00}. I send a Debt Validation letter 45 days ago with no response to XXXX, XXXX, & XXXX  Credit Reporting agencies requesting in writing information to confirm this debt is mine. I have not received any information in writing. The account in question states it was opened XX/XX/2016. 

However, the credit bureaus updated my credit report to say verified but has not supplied me in writing with data confirming the account belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchase a used vehicle XX/XX/2016 I was finance threw XXXX XXXX this was my first time buying a vehicle within the first 30 days I had issues with the vehicle I returned the vehicle for repair at the dealership XXXX XXXX  the vehicle had emission issues I was told it was the Catalytic converter they held my car for 30 days and said it was repaired witch it was not the vehicle would burn a full tank of gas within XXXX miles so I reported this to my Finance company XXXX XXXX after I tried to get it repaired myself and told them I could not afford the payment due to attempting to repair the car and I told them to come pick the vehicle up they didnt do so until months later when they retrieve the vehicle it had my personal belongings which I was declined to be able to retrieve I also had recipes for the repairs of the vehicle and a statement from my mechanic stating the car was a lemon. XXXX XXXX then auction the vehicle off for over XXXX dollars or more and my balance was estimated XXXX the account has been closed and charged off for over 5 year I am have been charged late fees and miss payments that were reported on my credit report every month for the past 3 years or so my current balance is XXXX and it has effected my credit dramatically I have disputed many times and contacted verso credit told them I had financial hardships and can they stop the late fees and they just hang up in my face every time I have reported to the XXXX  and they are denying that they are still charging me till this day I ask for my issue to be resolved by reporting the correct amount due and stop charging me late fees also my last payment on my credit is incorrect My last payment was in XX/XX/2016I was told by Experian that since my account has been closed and charged off they should not be continually charging me fees and reporting late payments.
Product: Credit reporting or other personal consumer reports

I'm Requesting an inquiry removal in regards to the inquiry made on XX/XX/year>. I was sent a promotional email for a credit card. But I was not given the correct product that I intended/ applied for. I called navy federal to resolve the issue and was given specific instructions which included waiting for a response/ resolution which never occurred- ( all calls are recorded please refer to the call that was made ) I am writing to formally file a complaint regarding an unauthorized or incorrect inquiry on my credit report. I believe that this inquiry is the result of an error made by Navy Federal in relation to a product that was not what I had requested or applied for. 

I applied for a credit card with XXXX interest for XXXX months but was mistakenly provided with a different product, which led to the credit inquiry being performed. I did not authorize an inquiry for this specific product, and it does not reflect my intentions during the application process. 

I have contacted the company, and despite my efforts to resolve this issue, the inquiry remains on my credit report. This incorrect inquiry is adversely affecting my credit score and creating potential issues with my creditworthiness. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in the removal of this incorrect inquiry from my credit report. 

Please let me know if any further information or documentation is required from me to facilitate the investigation. I look forward to your prompt resolution of this matter. 

Thank you for your time and assistance.
Product: Money transfer, virtual currency, or money service

I was scammed when trying to obtain a personal loan on XXXX/24, from a company called XXXX XXXX, Contacted my bank Chase on XXXX/24 when I recognized error 's on my account. What happen is when agent from XXXX XXXX called to confirm my loan was approved advise me to secure my loan they would have to place insurance for bad credit borrowers and they would send the funds to cover the cost, so I provided my banking information and {$700.00} was deposited in my Chase banking account. Something just didn't feel right so I told the agent I didn't feel comfort with this transaction and to cancel the entire transaction and they told me to send the {$700.00} back though XXXX since I didn't have a pay pal account so I did. My banking account showed pending of the money they sent me so sending it back I though would just balance out since my checking and saving account didn't have those type of funds to release, but Chase release the funds and the checks the XXXX checks they sent for {$350.00} did clear. Now Chase is charging me the {$700.00}. been banking with chase for several years,
Product: Credit reporting or other personal consumer reports

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 
Because I did not apply for credit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Received phone call over the past few days, last one received from XXXX. Previous phone numbers were XXXX and XXXX. 

Caller with a foreign accent claimed that they were calling with XXXX  XXXX XXXX for an unpaid bill of {$890.00} USD that was about to go toward their credit bureau. They had the last four digits of my social security number, full name and cell phone number. 

I notified the caller that this is a business line, but she stuck to a script repeating the same suggestion to be transferred to the credit bureau. The line was transferred directly to Experian and a man with a foreign accent attempted to verify my information again. At this point I hung up. 

The caller ringed me again and my daughter took over the call stating that my XXXX  XXXX XXXX correspondence settings are strictly through bank 's website via encrypted messages and/or email. There are no telephone call settings whatsoever with XXXX  XXXX XXXX. She proceeded again with the script and my daughter interrupted her to add my number to the Do Not Call List and do not call again. We will call XXXX  XXXX XXXX and Experian directly. We asked for her contact information to report it. 

Note : we can not add our number to the Do Not Call List as it is an active Business Line. 

Her information is as follows : Name : XXXX XXXX XXXX : XXXX Company : XXXX  XXXX XXXX XXXX ID # : XXXX
Product: Checking or savings account

I experienced a concerning incident with Chase Bank 's XXXX XXXX ( XXXX XXXX XXXX ) regarding a scheduled business account opening. Here 's the sequence of events : XXXX week, I spoke with business banker XXXX XXXX to schedule a business account opening appointment. I provided advance documentation including expedited Certificate of Good Standing and NYS registration copies ( {$300.00} in fees ). XXXX XXXX understood this was time-sensitive as we were closing our existing business account to move to Chase. 

-- On Monday, I had to reschedule due to XXXX XXXX. XXXX XXXX and I agreed to Wednesday at XXXX XXXX. She confirmed the appointment would take XXXX minutes. 
-- On Wednesday at XXXX XXXX, while driving to the appointment ( XXXX  commute ), I courteously notified XXXX XXXX I would be XXXX minutes late due to icy road conditions. 
-- At XXXX XXXX, after I had driven XXXX minutes, XXXX XXXX called to say she " would not accommodate '' the XXXX delay. When asked why this couldn't be accommodated within the XXXX appointment window, she repeatedly refused, stating she would " check with her next appointment. '' -- She called back within 3 minutes ( an impossibly short time to have actually contacted another client ) to again refuse accommodation. She suggested I " wait around town '' until XXXX XXXX - an unreasonable suggestion given my XXXX XXXX XXXX. 
-- When I requested to speak with other bankers or a manager, she stated no one, including banker XXXX, would meet with me. 

Business Impact : -- We now have no operating account to pay our Chase XXXX  credit card bill -- Lost XXXX hours of business time on travel -- Wasted {$300.00} in expedited document fees -- Business operations disrupted due to lack of operating account -- Existing relationships with Chase at risk ( including Chase Ink business credit cards, Sapphire Reserve card, family trust joint account, and personal mortgage ) Steps taken to resolve : -- Attempted to resolve with XXXX XXXX during the call -- Requested to speak with branch XXXX, XXXX XXXX -- Emailed branch XXXX XXXX the incident -- Contacted Chase customer service
Product: Payday loan

I had XXXX loans with One Click Cash ( XXXX in XXXX 2016 and XXXX in XXXX 2016 ) in which the company did not make me aware, either orally or in the loan documents, that they process payments internationally and that my bank may charge me international transaction fees. After reviewing my account recently and found XXXX international transaction fee charge, I further reviewed my account and found several of these fees going back to XXXX 2016. I have now incurred almost {$50.00} of these charges. At this point, I would like One Click Cash to refund me those international transaction fees totaling the amount of {$49.00}. In support of my contention, attached are the bank transaction fees ( as highlighted ) that I 'm requesting to get a refund for, the loan documents for both the XXXX 2016 and XXXX 2016 loans. I tried getting these fees refunded by my bank but bank policies and agreements do not allow them to do that due to the fact that the payments were processed internationally by One Click Cash. I also called One Click Cash to get them to refund these fees but they refused. Nothing in the loan agreements state that they process payments internationally and I believe that they violated the agreement which makes me entitled to these refunds.
Product: Credit card or prepaid card

I ordered a kitchen table and buffet on XX/XX/2021. XXXX XXXX kicked the order back and we never received. Well XXXX credit card charged us {$1000.00} for an item we never received. We have been dealing with this for 2 months.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurately reported. I should be compensated {$1000.00} for each erroneous entry on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 30 late payment on XXXX 2014 on my credit report from toyota motor credit . Makes 7yrs should not be on credit report
Product: Credit reporting or other personal consumer reports

I never open any accounts i have been incarcerated for some time XXXX XXXX XXXX Account number XXXX XXXX XXXX Account. Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX XXXX