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

XXXX XXXX XX/XX/XXXX shouldve just been a soft inquiry. I asked them more than once to just pull my credit as a soft inquiry and they pulled my credit as a hard inquiry. I didnt even end up buying the car and my credit score went down because of this. 

XXXX XXXX XXXX XX/XX/XXXX shouldve just been a soft inquiry. I asked them more than once to just pull my credit as a soft inquiry and they pulled my credit as a hard inquiry. I didnt even end up buying the car and my credit score went down because of this. 

XXXX XXXX XXXX  XX/XX/XXXX Looking to refinance but my credit was pulled without my permission. I went to pre approval and it didnt say it would give me a hard inquiry on my credit report.. 


XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I dont not recognize this on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

ALLY FINANCIAL XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
Product: Credit reporting or other personal consumer reports

Hello and good day, there are items on my credit report that have resulted from fraud, all transactions and charges on these accounts are fraudulent. I never benefited from any of these transactions. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX  and undue stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Inquiries on my credit report that are not on my behalf. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America closed my checking account on XX/XX/2021 and have yet to return my money {$5600.00} and said it was a process in which I had to wait 10 business days which I did. I called back in 2 weeks on XX/XX/2021 and was told my account is in a holding stage and I had to wait on a review. Waited again more than 10 days called back was told its still in process and they had the right to do and theres no timeframe. Told them I had a medical condition concerning bad XXXX and they still denied my request. Called back on XX/XX/2021 and was told the same thing, Review hasnt been completed. Called back today in 10 days asked to speak to a manager or supervisor and was told there is no update that I must continue to wait.
Product: Credit reporting or other personal consumer reports

I applied for a credit card from the captive issuer of Sam 's Club, Sychrony Bank. Sam 's Club automatically renewed my membership and charged the credit card even though I never used that card for any charges. I cancelled the renewal, but the credit charge was not reversed. The online capabilities of both Sam 's Club and Synchrony Bank were useless in correcting the errors. The bank wanted paper submissions, and archaic practice in the computer age ( and hard when one does not buy stamps anymore ). Synchrony reported that I was delinquent. When the charge was finally reversed, Synchrony did not correct the reporting error and my credit rating with XXXX was lowered. Both the automatic renewal and the bank 's obstructions on accepting disputes are abusive and coercive.
Product: Debt collection

I have tried to contact this credit card company, XXXX   XXXX/XXXX  as well as the collection agency Portfolio Recovery Associates LLC asking them several times to send me Verifiable Proof ( An Original Consumer Contract with my signature on it ) stating this debt of {$2000.00} is mine. They have failed to positively verify this account which has hurt my ability to obtain credit. XXXX   XXXX/XXXX as well as the collection agency Portfolio Recovery Associates LLC continuously sends bills and collection letters in the mail that DO NOT belong to me. Under the FCRA, unverified accounts must be deleted if the company is unable to provide me a copy of verifiable proof and this company is refusing to do so. Please assist in having this account remove from my XXXX, XXXX and XXXX Credit Report. Thank you!
Product: Checking or savings account

The bank overdraft fee are to much they sometimes they will charge me twice for a bill
Product: Credit reporting

I have been trying to get my credit report from transunion and unable to ... ..I have numerous things in dispute and the investigation should be completed by now. I tried going online but was unable to do so as a message popped up I am unable to review my credit report. I called the toll free number and was told that my report is being handled in a different department ... .I was transferred again and to the same answering machine. I left a few messages requesting my report as I want to view it and no one returns my calls and I still have not received my report. I am XXXX and on public assistance as I understand I am entitled to updated reports for free. I am also submitting this complaint about transunion as I have an account that is reporting as 30 days late with a negative remark and showing 1 missed payment. This informaiton is incorrect and I have uploaded additional supporting documention from " mandee shops '' that this incorrect information will be corrected. I checked on XXXX and as of today it is still reporting with 1 late payment. Transunion still has not corrected this account yet XXXX did correct it finally after I submitted the letter that I received directly from mandee 's shops.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts : XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit report sometime last year in the past Ive realized that I have more than several erros that is listed under credit profile. I have no clue as to how they ended up on my credit file and I take it that your company has ignored me for more than a year about this error and I havent received any results from my internal dispute since last year XX/XX/2017. I am fed up at this point and feel as if no one is looking into this situation. By law THE FCRA section 609 states that if an account or inquiry isnt verified correctly it must be removed permanently without the original contract and the consumers signature. The following items are to be disputed internally within 3 days max. XXXX 1. XXXX XXXX XXXX = ACCOUNT 2. XXXX XXXX = inquiry 3.  XXXX XXXX 2x = inquiry 4. XXXX XXXX 4x EQUIFAX : 1.XXXX XXXX XXXX 2 . XXXX XXXX XXXX  : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  ( Account Name XXXX XXXX XXXX XXXX XXXX ( Account # XXXX and ( Account Name : XXXX 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 reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I notice several errors and I begin to dispute them with Experian each time the company has come back to me stating that the information has been verified as accurate. I then sent 3 separate certified letters to Experian requesting them to provide me with information as to how the information has been verified but all of my request have been ignored. I have disputed these following accounts for the following reasons as well as provided documentation to verify the information as being incorrect but yet all they have done is continue to list these accounts as verified. 
XXXX XXXX - Experian shows that this account was written-off for bad debt in the amount of {$20000.00} with a past due amount of {$7100.00} written off in XX/XX/XXXX which is incorrect. They have the terms listed as 78 months which is incorrect it is 75 months. 

I have also asked for verification documents for the following accounts : XXXX XXXX XXXX they have the account opening date listed incorrectly. 
XXXX XXXX XXXX they keep allowing this company to change the amount even after requesting validation documents that have not been provided from both Experian and these creditors. All of my request have been ignored. My rights have been violated under the FCRA. I am requesting immediate removal of these accounts. 

This has caused severe harm to my credit as well as caused me to lose my XXXX XXXX XXXX  Contract with several companies.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to formally dispute inaccuracies in the credit reporting by multiple creditors and credit reporting agencies following my XXXX  XXXX bankruptcy discharge. Despite previous attempts to rectify these issues directly with the credit bureaus and the creditors involved, the discrepancies remain, affecting my credit unfairly. 

Discrepancies Noted : XXXX XXXX - The account status varies across reports, impacting the consistency of my credit history. The account should uniformly reflect " Discharged through Bankruptcy XXXX XXXX '' to accurately represent the legal status of the account post-bankruptcy. 

XXXX XXXX  - Although the discharge through bankruptcy is noted, the details surrounding the closing and last payment dates need verification and correction to match the records of my bankruptcy discharge documentation. 

XXXX XXXX XXXX - The reported information, though updated, still shows inconsistencies in the rating and account status post-bankruptcy, suggesting an error in how these details are recorded and reported. 

XXXX XXXX - Similar to other accounts, the updates made post-dispute do not reflect the uniform status of " Discharged through Bankruptcy XXXX XXXX '' across all reporting agencies. 

Requested Actions : Uniform Reporting : I request a thorough review and the uniform update of the status of all accounts involved to reflect " Discharged through Bankruptcy XXXX  XXXX '' across all credit reports ( XXXX, TransUnion, and XXXX ). 

Verification and Adjustment : All accounts should be verified against the bankruptcy discharge documentation, and any discrepancies should be corrected to ensure accurate reporting. 

Written Confirmation : I request written confirmation from each creditor involved detailing the actions taken to address these discrepancies, including a confirmation that all credit bureaus have been notified of the correct status. 

Credit Report Updates : I seek assistance in ensuring that the credit reporting agencies expedite the update process and provide me with updated copies of my credit reports at no charge to confirm these changes.

Documentation for Records : It is critical that I receive formal documentation from each creditor confirming the resolution of these discrepancies for my records. 

Enclosures : Copies of bankruptcy discharge documentation. 
Relevant sections of credit reports highlighting the discrepancies. 
Previous correspondence with creditors and credit bureaus regarding these disputes. 
This matter severely impacts my financial well-being and creditworthiness. I trust that the CFPB will assist in resolving these issues promptly and fairly. Thank you for your attention to this serious concern. 

Sincerely,
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 168.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 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, credit repair services, or other personal consumer reports

I have being going back and forth with the three major credit bureau Transunion, XXXX  and XXXX. I have being sending letters and calling them to remove incorrect inquires on my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. I ask them to please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. They still have send any proof showing me so, I got was just a credit report from them.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Reporting what I believe is CRIMINAL ACTIVITY USAA Reports Fraud Investigations NOT REPORTED BY ME in order to Create a Temporary Credit that becomes a Permanet Charge Leaving Consuers Liable for Fraud I reported {$470.00} unrecognized charges XX/XX/XXXX Fraud Investgations were done 5 months later XX/XX/XXXX. Consumers must report fraud within 60 days Clearly I could Not have reported 5 months late All of these Temporary Credits Became PERMANET CHARGES year later ON XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX USAA Reps are rude and Hostile when I try to discuss this talking down to me no respect for the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No Financial institution is not suppose to share my information to third party people.

These are clear violations of my Federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have done all 3 credit bureaus " debt validation " which was a joke!. 
I want verified debt history of this collection account with notarized documentation of portfolio recovery associates ownership. AND PAYMENT HISTORY. 
FCRA & FDCPA VIOLATION! 
THIS is a collection account and under FDCPA & FCRA IS A VIOLATION to mark consumers collection accounts with " paid late '' only creditors can do that. Complaint also sent to XXXX and Wisconsin state attorney. I also now have attorney.
Product: Checking or savings account

XX/XX/2022 Timeline of Bank of America ( BOA ) transaction and correspondence : XX/XX/2022 BOA withdrew from my XXXX account {$16000.00} XX/XX/2022 Called BOA to notify them that they had withdrawn the full balance vs the auto payment of {$2000.00} they confirmed the auto payment was {$2000.00} and not the full balance and that the money would be returned in XXXX business days. 
XX/XX/XXXX received a letter stating that BOA had returned XXXX to my bank account. 
XX/XX/XXXX - Checked my account and nothing had been returned yet. 
XX/XX/XXXX - Checked my account and nothing had been returned yet. Called BOA and was told money would be in my bank account XXXX business days from the XXXX. 
XX/XX/XXXX - Checked my account and nothing had been returned yet. I was told money would be in my account Monday XXXX. 
XX/XX/XXXX - Checked my account and nothing had been returned yet. I was told money would be in my account Tuesday XXXX. 
XX/XX/XXXX - Checked my account and nothing had been returned yet. I was told money would be in my account IN XXXX XXXX BUSINESS DAYS. 
If I walked into a bank and took {$16000.00} without the banks permission and the money had not been returned, would I not be arrested and prosecuted as a bank XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE - XXXX ) ( DISPUTE CODE - XXXX ) My personal information was stolen and used for fraudulent activities in 2021, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. Under the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, 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.
Product: Credit card or prepaid card

We starting getting phone calls from Truist or ( Suntrust ). At first we didnt answer because thought it was a scam. Finally, picked up phone and was informed we had been charged 3 months and they never received a payment. We were informed that XXXX had charged us for 3 months on an expired credit card. It had to be expired because we hadnt used it in five years. We didnt have one in our position. That means we didnt have any updated card. So the bank must have let them use an expired credit card. Once we found out what was happening we went directly to the bank in XX/XX/XXXX. The bank office talked to people had the charges removed. Well then we started getting collection calls and a letter that I didnt understand. So we went directly to a bank officer and explained the situation. They said that there was another charge added that didnt get removed. They expunged the charges, but made us pay XXXX which must have been for the collection agency. How does a bank allowed someone to charge to an expired credit card? XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXof XX/XX/XXXX