23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report and I don't know why. I routinely check my credit report, but today I noticed unexpected discrepancies. I refreshed my browser, thinking it might be a glitch, but the inquiries remained. Due to this issue, I request a thorough review of the documents I sent to ensure this doesn't happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suspect that someone has taken out a mortgage loan, auto loan, and retail card in my name/social security number. When I tried checking my credit score through Equifax and XXXX ( XXXX XXXX I believe as well ) in order to confirm my identity, all websites asked me to provide information about loans and a retail credit Card that I have never had. I became suspicious and tried making a my social security account to check my activity and the website asked me the exact same questions and suspended my account because I obviously did not know the answers as I was not the one who opened these. What is confusing me is that none of these loans/cards are on my credit report, so I dont even know where to start with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called experian and asked them to removed old personal information, they removed inquiries but never removed old incorrect fraudulent address. I asked them to remove old number and old address and employment history. And emails XXXX XXXX XXXX # XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Debt collection

On XX/XX/2024 I was called by Bonneville Collections in XXXX  XXXX, Idaho twice within 30 minutes. They also left 2 voicemails back to back during this same morning about the same debt. I don't believe leaving multiple voicemails on the same day is FDCPA compliant? I also have saved these voicemails for proof. 

Secondly, I have contacted the agency about making XXXX XXXX  monthly payments on my medical debt, which they wouldn't accept, stating the amount is too low to accept. Being in an industry where my income has dropped XXXX XXXX  over the past couple years, $ XXXX is all I can afford at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax on XX/XX/2021 mail me a letter saying they unable to locate my credit file. asking me make a copy of pay stub or social security card or W-2 Equifax is updating my auto loan and credit cards on credit file so why so many games. I'm also filing a complaint with US Attorney office in regards to the issue with Equifax issues Equifax will not send a complete full report with all the pages to my credit file. I did not ask for no credit score i ask for a complete copy with all the pages of my credit file.
Product: Checking or savings account

I tried to process a fund transfer and when a fee was disclosed, I cancelled the transaction. Bank of West BMO wont refund the fee even though I told them what happened several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS THUS REFER TO ATTACHED IDENTITY THEFT POLICE REPORT. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED EIGHT 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. PLEASE DELETE THE BELOW ACCOUNTS AND REFER TO THE IDENTITY THEFT POLICE REPORT.
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 XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request
verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

When i checked my credit report on XXXX XXXX, i found inquiries I didn't authorize, so I called transunion and told them what was going on, but they did nothing, they didn't even put a fraud alert on my account I would like transunion to do better when it comes to protecting their customers ' account and information.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to Equifax, XXXX, and XXXX regarding the fraudulent addresses and outdated information on my credit report, but they have failed to take any action to remove these inaccuracies. The incorrect personal information they continue to report is causing significant harm as it portrays me living in multiple places simultaneously with different phone numbers and addresses. Despite providing my correct details and proof of identity, these credit bureaus have neglected to rectify the errors, which could adversely impact my creditworthiness and reputation.

I am deeply concerned about the potential consequences of this inaccurate information on my credit report, especially when it comes to future employment opportunities or financial transactions. The persistence of these false addresses and outdated data reflects a clear violation of consumer rights and the Fair Credit Reporting Act. It is imperative that Equifax, XXXX, and XXXX comply with the law and promptly remove the incorrect information to prevent further harm.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that these credit bureaus adhere to the regulations set forth in the Fair Credit Reporting Act. My repeated attempts to address these issues directly with the credit reporting agencies have been futile, necessitating the intervention of a regulatory body to safeguard my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

3rd Request!! The following accounts do not belong to me I have sent multiple FTC reports Ive sent multiple dispute letters and they all keep coming back verify and I am not understanding how they are being verified no one showing me any proof Ive never done business with any of the following companies please investigate this properly because its fraudulent and per the FCRA if I stay as the consumer that its fraudulent the information should be blocked from my report. The following accounts 1. XXXX XXXX  {$6500.00} 2. XXXX XXXX XXXX {$750.00} XXXX XXXX {$600.00} Please see attached FTC report and identification
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Product: Vehicle loan or lease

Company name is XXXX XXXX. I purchased a XXXX XXXX XXXX in XXXX and gave the vehicle back in XXXX, voluntary repossession. I spoke with XXXX from Credit acceptance she stated I still owe {$12000.00} even after they sold the vehicle for {$2500.00}. But before the repo it was {$15000.00} and im still receiving late payments on my credit report. How can i be responsible for late payments when i gave the vehicle back. I would like them deleted and blocked off my credit report. How is it possible that the original creditor can still report late payments? Thats a factual error and need to be deleted off my credit report. Its inaccurate information and unfair and seems a illegal
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/202XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX 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 name is XXXX XXXX XXXX My Social Security Number is XXXX My date of birth is XX/XX/XXXX My son 's name is XXXX XXXX XXXX My son 's Social Security Number is unknown to me My son 's date of birth is XX/XX/XXXX BOTH my son and myself are being incorrectly reported for thousands in delinquent debt after the lender XXXX  XXXX XXXX settled the account and agreed it was paid in full with a lump sum payment of XXXX XXXX. 
Our XXXXXXXX XXXX XXXX account numbers and balances in question, are as follows : XXXX XXXX  Account number ending in XXXX, Attorney file ID XXXX, full account balance {$29000.00}, XXXX XXXX agreed lump sum settlement amount {$20000.00} XXXX XXXX  Account number ending in XXXX, Attorney file ID XXXX, full account balance {$13000.00}, XXXX XXXX agreed lump sum settlement amount {$9200.00} XXXX XXXX Account number ending in XXXX, Attorney file ID XXXX, full account balance {$5300.00}, XXXX XXXX agreed lump sum settlement amount {$3700.00} Settlement offer letters and acknowledgement of settlement received from XXXX XXXX  Attorney are attachments. 
Description of problem : I am a signatory on student loans for my son. There are three loans. I paid off the balance of all three loans using a negotiated lump sum payment. XXXX XXXX XXXX agreed to accept a XXXX XXXX lump sum payment as satisfaction in full of the debt. This agreement was made through the attorney XXXX XXXX XXXX asked us to deal with, rather than direct with XXXX XXXX XXXX. The attorney that agreed to the lump sum settlement payment is Zwicker & Associates, PC. The address of the office servicing this account for Zwicker & Associates is XXXX XXXX XXXX, XXXX MA XXXX. The telephone number for that office is XXXX. XXXX agreed to remove negative credit reports and report the three accounts as paid in full. The settlement payment by me was in the form of three bank checks from XXXX XXXX  made to Zwicker and Associates, with the account numbers written on the checks. The checks were mailed in XX/XX/XXXX, and the official settlement date is XX/XX/XXXX when XXXX received and deposited the three checks. On XX/XX/XXXX XXXX reported my account as a XXXX balance, delinquent, and a chargeoff, in violation of their agreement with me. We discovered the error in XXXX and contacted both XXXX and the Attorney on XX/XX/XXXX. XXXX subsequently removed the negative report and simply reported the account as closed and settled, with a XXXX outstanding balance. That correction was confirmed on my next credit report I checked on XX/XX/XXXX. XXXX again reported me delinquent, the account as not settled and a chargeoff, which I discovered on XX/XX/XXXX. Once again this violates the agreement XXXX made to consider my debt satisfied in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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: Money transfer, virtual currency, or money service

PNC Ba

nk Originated a wire transfer payable in Euros was advised the fee was {$50.00}. No problem. Upon reviewing the receipt. I noticed the exchange
rate ( {$1.00} ) was not current. The current rate is XXXX XXXX. PNC rate is about 4 % higher. 

I pointed the discrepency out to the banker, she conferred with the manager and was advised the Bank 's rate was higher, which resulted in a {$260.00} USD " hidden fee '' making the " real '' wire transfer transaction fee {$310.00} USD.

In the interest of transparancy and honesty, the bank should have disclosed the exchange rate beforehand. At that point, I would have chosen to cancel the wire transfer and use a different wire service.

Telling customers a XXXX wire transfer fee is {$50.00} is desceptive and should be abandoned.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have some fraudulent inquiries appearing on my credit report.
Product: Bank account or service

This in a complaint against wells fargo Bank with my checking account, yesterday I made a claim by telephone because they have made a transfer and payments from my account to others without my authorization is fraud, as well as paid withdrawals. To my surprise they have mocked me because my claim did not take, today call to follow up on my claim and told me that there is no claim. I thought this bank respected its customers. What I did was to waste my time and my money because you are pure fame and marketing because they are not responsible for fraud cases, as they say when there will be an account and the automated system also, everything is lies. I feel humiliated and mocked as well as discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

When attempting to obtain a credit report at XXXX after completing initial information page ( step 1 : name, SSN, address ) and being directed to step 2 : select credit reporting agency, questions to verify my identity have nothing to do with me and are impossible to answer. I have called all the bureaus and they say it's the computer. 
This follows me opening an checking & savings accounts at CHASE only to receive a letter stating " We blocked your account ( s ) .. and will close it soon. While reviewing your account, we obtained information from a consumer reporting agency and decided to colose your account. The consumer reporting agency played no part in our decision, and is unable to supply specific reasons for it '' The agency they reference is XXXX. 
From what I could ascertain, I have no issues at XXXX. Calling on CHASE to explain only yielded extremely rude and smug responses from their so-called customer service agents and supervisors. 
If these agencies can profit from my data, I think I deserve some control over what information is being added to my credit profile. 
HAS
Product: Checking or savings account

Hello, The Chase online payment service has misguided me which resulted in an interest charge recently. 

I'd enrolled the e-bill service for XXXX credit card with the Chase bank and set up a monthly of automatic online payment with the option of " balance due ''. However, Chase only sent the minimum payment of {$35.00} on XX/XX/23 without my knowledge, which resulted in an interest charge of {$3.00} by the XXXX. 

On XX/XX/23 I called the Chase and some a tech support supervisor named XXXX confirmed with me that there are some tech issues for the online payment service. XXXX kept apologizing to me and told me that he's not able to solve this issue. 

On the same day I called and talked with another representative named XXXX to address the same issue. XXXX also apologized to me and advised me to ask a refund from XXXX, which is totally irresponsible and unacceptable. 

I can not agree that the Chase bank has been aware of their issues but refuses to be responsible for the loss of their customers.
Product: Checking or savings account

All actions on XX/XX/2023 -use debit card normally approx. XXXX EST XXXX XXXX informs me my chase digital card had been suspended -call chase -chase claims they decided to close account but will not provide reason why, one agent claims due to conversation with claims department- closing account for a joke about JP Morgan would be a violation of my first amendment- furthermore even though profanity is a federally protected action, none was used. 
-chase refuses to allow withdrawal of funds -chase will not disclose a direct reason for closure -chase has made it impossible to provide any necessary resources as chase holds all of my families money and will not allow access. 
-JPM Chase is the number one lender to the United States government, I have no way to get help even if legal action was sought.
Product: Debt collection

on XX/XX/2023 we went to court but they did not show the judge dismissed the case
Product: Credit reporting or other personal consumer reports

I submitted disputes for hard inquires online to Equifax on XXXX which was YESTERDAY : The companies at hand were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXX XXXX Last night at midnight I received a message saying they were factual. 

I called a XXXX or XXXX today with Equifax at XXXX today XXXX. I asked about the methods by which they verified the info on my credit file bc it hasn't been XXXX ( it was more like XXXX hours ) and its the weekend. I asked who they either emailed or spoke with to get the facts about the inquires/fraud and she could not tell me any information thus defaulting XXXX to think there was no TRUE investigation in to the inquiries on the report. Method of verification is my right as a consumer per 15 USC 1681i ( a7 ). She only kept telling me that they found the inquiries factual. They are being deceptive and staright up liars!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$450.00} Late/Open
Product: Credit reporting or other personal consumer reports

There is a closed off and paid off credit card on my account that has been there more than 7 years. It is a macys credit card account. I did submit an investigation with experian it was open for about 2 months and nothing has changed and I havent been updated on it
Product: Checking or savings account

My name is XXXX XXXX, I have been banking with Chase for years never had an issue before. On XXXX  XX/XX/2023 around XXXX XXXX  I received a call from Chase. Alerting me about a fraud attempt on my card. I went ahead and XXXX  the phone number that I was receiving this call from XXXX and it came back to a Chase brand in XXXX XXXX XXXX I was told my card was going to get canceled and a new one will be delivered to me soon. Moments later my card was enrolled into someones XXXX XXXX and more than XXXX dollars were taken out of my account at this same Chase branch that I received the call from. The next morning I went ahead and called customer service and made a fraud claim. The bank never contacted me about this claim, so I went ahead and gave them another call. I was told my claim was denied because my pin was used at this atm. I went ahead and sent all the proof that I had of me being at work my clock in and clock out times. The same times these transactions were made. As well as a financial crime police report. And other documents baking up everything I had already sent to them. I was never giving a specific reason on why I could not get the money refunded.it is very disappointing to see the lack of effort this bank that I so much trusted for years, has put into solving an issue that not only coursed me financial XXXX but also safe concerns due to the fact that who ever stole my card information may also have more of my personal information. I am a XXXX  mom that works 2 jobs and is raising a XXXX XXXX XXXX. I dont have money to spare and it saddens me very much that my bank does not have my back or has bothered to help me get my money back that i much need.
Product: Student loan

I made a payment on my student loans in XXXX of XXXX. I was later notified by the company Mohela that I was not given notice of my impending payment within the right timeframe. As a result that payment would be credited towards a future month. However, it has not been credited. I have called them and either could not get through a looping menu or been put on hold for hours. When I once got through to a person, they told me they were in training and could not answer my question then put me on hold for hours again.