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

The following agencies made hard inquiries that unfairly impacted my credit score : XXXX XXXX on XX/XX/2017 XXXX XXXX XXXX-XX/XX/2017 XXXX XXXX- XX/XX/2017 XXXX XXXX XXXX- XX/XX/2017 XXXX XXXX- XX/XX/2017 XXXX XXXX XXXX- XX/XX/2017 XXXX/XXXX XXXX- XX/XX/2017 XXXX/XXXX-XX/XX/2017 XXXX/XXXX XXXX XXXX- XX/XX/2017 I have never obtained or used funds from these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for Amazon credit card provided by chase bank on XX/XX/2022. They rejected my application initially due to lack of supporting documents which I was asked to fax them on the follow up call. After a number of call exchanges and a number of rejections sent my way I was send a card issued on my name by the end of XXXX, XXXX. But to my surprise, there was a XXXX  hard hit on my credit report for the same card which I was never informed about nor I consented for. Upon receiving my card I did ask them about the XXXX hit and they said it is normal procedure and it is correct. They did ask me to call the reporting agency instead i.e. XXXX. The second hit was dated XX/XX/2022 which was the date of my first follow up call. But on that call the representative never asked for my consent to make another hard enquiry nor informed me about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been fraudulent activities that I did not authorized. The bureau has the responsibility to report accurate information and they have not done so. I have reached out to them on multiple occasions. 

XXXX XXXX XXXX {$15000.00} Account number XXXX the full account is not listed XXXX XXXX Account number XXXX they don't have the full account number listed CXXXX XXXX XXXX XXXXXXXX Inquiry i have contacted the company for a year now, and the credit bureaus about this matter nothing has been done
Product: Checking or savings account

Capital One did not even send out a notice with their " third party '' vendor for their inability to make payments. They need to make it right. I have bills to pay and not having access to my ACH transfer is harming me. I was just about to pay off all of my credit cards. Now I continue to accrue interest because they are not forthcoming with the issues.I am guessing they got hacked or hired a poor partner to handle these transactions. This should be on them with penalties. ( financially ) m Especially since they take our deposits and play with them getting credit from the FED and then loaning out our money and charging people interest on money that was not even theirs, as their was no contractual consideration given. I am call my my lawyer. The truth be told, if they had our money they would cover the deposits, but they don't or they don't care. This is why a run on a bank happens. What a broken system. Where they hacked and not admitting it? Is this fraud or other legal violation? Take a guess. Someone should be fired for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and Equifax multiple times about them Reporting incorrect information on my personal Credit report. I summit documents and Certified letters asking XXXX and Equifax to provide Valid information on the Investigation of Incorrect information on my personal credit report, I asked for manner as to how this accounts were verified, who verified and for proof that these accounts belong to me, and XXXX and Equifax failed to proved information that the Law ( FCRA ) specified.
Product: Mortgage

I am a 100 percent XXXX veteran. I have a tax exemption that began partially XXXX and all of XXXX. This exemption will be permanent moving forward in the amount of {$140000.00}. My mortgage lender Freedom Mortgage is declining to correct my escrow payment amount and has increased my mortgage. I spoke with their tax department ( XXXX ) and we did a three way call to the XXXX XXXX Tax Assessors office and spoke with the supervisor their XXXX XXXX XXXX XXXX who confirmed that indeed I was approved and had a tax exemption in the above referenced amount. Freedom states that they can not make the necessary corrections unless the tax assessors office sends a new tax bill. The Tax Assessors office contends that they will not send a new tax bill until XXXX. In the meantime, I a XXXX veteran suffers in the middle of a pandemic because No One is willing to assist or go above the call of duty. I'm stuck paying a higher mortgage payment or choosing to be homeless or foodless. I have sent over the letter from The Tax Assessors Office twice to Freedom Mortgage all to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX {$3500.00} 15 U.S.C. 1681 section 602 A states I have a 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 written permission, consent, or instructions. 

I have sent several certified letters to this company notifying them of a fraudulent account. A contract with my signature has not been provided. A contract with an electronic signature was provided. The bank credited my account for these fraudulent charges. I even submitted documentation that showed that a fraudulent bank account was opened in my name and that thieves were transferring money out of my account. These thieves lived in California. This company failed to do a thorough and complete investigation and disclose documents to me from that investigation.
Product: Credit reporting or other personal consumer reports

XX/XX/22 {$4700.00}, Transunion, XXXX and XXXX did nothing to resolve the disputed claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

1026.13 ( b ) ( 3 ) Effective Date : XX/XX/2017 Time for resolution ; general procedures. The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period ; and The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice. <P/>USAA failed to mail or deliver written acknowledgement of my reassertion of the previously settled billing error of a year ago which was without any notice, documentation, statement or information. Yet, prior to even speaking with me electronically delivered a statement saying they finalized the reassertion. Yet, they restricted my access to view the statement and failed to provide any documents, information, or anything regarding this decision. Furthermore, they asserted I was required to speak to XXXX regarding this issue. XXXX, openly admitted to failing to respond to my many calls, notices her colleagues sent her, her boss as well as their own boss to contact me. Prior to speaking with me USAA stated the re-investigation was complete. Yet when in speaking with XXXX, she stated despite my many requests for documentation and a re-investigation of the case she had never been notified of my many requests. So how can USAA finalize a re-investigation without providing the results or any requested documentation only to later state they never received the request. Furthermore, since that request was finally acknowledged a month ago I have yet to receive acknowledgement, the requested documents, or a detailed explanation. <P/>
As two of my cards are under current dispute and have yet to be acknowledged in writing it is against federal regulation to negatively report said accounts on my credit report. Yet USAA for the last 3 months has reported both accounts as having their dispute settled without having notified me. Additionally USAA has negatively reported both accounts as being at or near their credit limit. The XXXX  card was paid in full, minus the remaining disputed amounts I still have not received a response on. While the XXXX was only somewhat near it 's limit due to USAA 's reversal of the billing dispute finalized over a year ago. Thus they have incorrectly stated the disputes are finalized, and reported multiple negative items. Furthermore, it is against regulation to close accounts while under dispute. Yet all of my accounts were closed.
Product: Debt collection

I recently applied for a mortgage and was quoted a bad rate. I then learned that ProCollect had sent a {$650.00} charge for a carpet repair on a three-year old lease by my nice ( for which I was a guarantor ) to collection, WITHOUT EVER TELLING ME ABOUT THIS. As a result, I will pay XXXX  of dollars more for my mortgage. I was never advised of the debt and no effort was made to collect it before sending it to collection and reporting it credit bureaus. Today, I paid the debt ( which I don't owe ) because I need to get the mortgage.
Product: Payday loan, title loan, personal loan, or advance loan

They charged me a very high interest rate for used vehicle.
Product: Credit reporting or other personal consumer reports

Thank you for your response. However, I still have concerns regarding the verification of the account and the unauthorized inquiries listed on my credit report. Please note that this is my third ( XXXX and XX/XX/year> ) as well as this complaint regarding these issues, and I am still awaiting a satisfactory resolution. 

XXXX XXXX XXXX XXXX XXXXXXXX Account : Youve confirmed that this account belongs to me, but you have not provided any documentation to prove its accuracy, as required by FCRA Section 611 ( 15 U.S.C. 1681i ). You mention that the dispute was transmitted electronically to the furnisher ( XXXX XXXX XXXX  ), but you have not provided any details about the evidence they submitted or the verification process. 

Please provide : Proof of how the account was verified, including the specific evidence or documentation the furnisher ( XXXX XXXX XXXX  ) provided. 
A clear explanation of how the verification process was conducted. 


2. Unauthorized Inquiries : While you mention that inquiries are a factual record of file access and are retained for up to two years, FCRA Section 1681b requires that credit inquiries must be made with my explicit consent or for a permissible purpose ( such as for an existing credit relationship or employment purposes ). 

Contradicting Equifaxs Response on Inquiries : Equifax claims that i

nquiries are a factual record of file access and must remain on the file for two years. They assert that inquiries are retained for employment purposes ( two years ) and other purposes ( one year ) but also state that their policy is to retain all inquiries for two years, regardless of the purpose. 
Equifax further claims that inquiries benefit consumers by providing a record of firms accessing their credit file. 
However, Equifax has failed to provide : Proof that these specific inquiries were authorized. 
Evidence showing they were for employment or other valid permissible purposes as required by the FCRA.

Simply retaining inquiries for two years under a blanket policy does not justify their presence if they were not made with my consent or for a permissible purpose. 

The following inquiries were made without my authorization, and I am requesting proof of my consent for each XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  provide the following for each inquiry listed : Documentation showing that I authorized the inquiry. 
Proof of the permissible purpose for which the inquiry was made. 


XXXX. Investigation Process : Your response outlines the general investigation process but does not explain the specifics of how the disputed account was verified or how the inquiries were processed. As required by FCRA Section 611, please provide the following : The specific documentation received electronically from the furnisher ( XXXX XXXX XXXX  or others ) to substantiate the accounts accuracy. 
The name of the person or department that handled the verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following not metro 2 compliant accounts should be removed : Creditor : XXXX XXXX, XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 letters in the past 3 months to all 3 Credit reporting agency 's. I get either no response or just printouts of my credit reports with no changes. I have proven my citizenship, personal identity and everything they have requested and still receive no response or change in my credit reports. I have old addresses, old jobs, tons of credit checks which were not authorized by myself, they still do nothing. A posted Bankruptcy, which the Federal GOv't does not give to the Credit UNions, which is actually illegal to be posted on my credit report saying the Bankruptcy COurt did it. This is just a started.
Product: Debt collection

I signed up for a Macy 's credit card I purchased something the same exact day for {$75.00}. I 'm not sure of the timeframe but in the same year my credit card was stolen along with other items I filed a police report I also called to cancel my card and someone did n't thoroughly do their job correctly and it was not canceled now this debt is reported on my credit report for {$280.00} and I want it taken off and I am willing to pay the {$75.00} that I originally owe.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint on this website against XXXX XXXX XXXX. The first complaint { XXXX } was issued on XX/XX/XXXX. XXXX   replied on XX/XX/XXXX { case # XXXX } { reference # XXXX } stating they were sorry for their mistake, they were going to have Modification documents sent to me within one week, and they were going to immediately contact all credit reporting agencies to have my false late payments removed from my credit report.

Today is XX/XX/XXXX, XXXX  has done nothing. XXXX is still harrassing me for back payments, they haven't sent me loan modification documents, and my credit is still showing that I'm 90 days late on my mortgage. I've informed XXXX  that I am attempting to purchase a new home, and I need the lateness 's removed. XXXX has assigned me a point of contact by the name of XXXX XXXX   XXXX. Mr. XXXX rarely responds to emails, phone calls, and always indicates the issue of the modification and false credit reporting are out of his hands. He refers me to his supervisor XXXX XXXX. XXXX  replies to phone calls and emails even less than Mr. XXXX. The times XXXX has replied to me, she's made promises to handle escalate the matter to have my modification documents sent to me and fix the credit report, but still nothing is ever done.

If this complaint does not get the issue resolved, I will have to resort to legal action. I will sue for damages, harassment, ruining my credit, and the time it's taken to get this cleared up.

Attached please find XXXX   XXXX response clearly stating this matter would be cleared up within one week, and this was over 3 months ago. Also, I've attached proof of all payments, modification documents, and bank statements showing payments coming out of my checking account.
Product: Credit card or prepaid card

I have a Fidelity Rewards Signature Visa. The credit card is issued by Elan Financial Services. In the mobile app I use to pay my bill, there is a calendar that shows the word " Due '' to signify the due date of the payment. However, the word " Due '' appears between two dates in the calendar ( with one date above and one date below ) and the correct due date is not highlighted, bolded or otherwise signified. Please see the attached photo. Because of this ambiguity, I have twice made my payment on the later indicated " Due '' date. 

While the card issuer has reversed the late fee, they refused to reverse any potential interest charges on my most recent call. Also, they refused to address the underlying issue, claiming that the correct due date is stated elsewhere. It is unclear whether the application design is simply poorly executed and ambiguous or if the company is creating intentional ambiguity to collect fees from consumers. In either case, they should fix the issue.
Product: Credit reporting or other personal consumer reports

UPON REVIEWING MY CONSUMER REPORT, I HAVE DISCOVERED INACCURACIES AND DISCREPANCIES IN THE REPORTED ACCOUNTS IN MYA XXXX REPORT. 

EQUIFAX XXXX. Under XXXX XXXX XXXX. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX : XXXX. Under XXXX XXXX XXXX. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX : XXXX. Under XXXX XXXX XXXX. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

To whom it may concern, I Have been a victim of unfair, abusive and deceitful practice by Nationstar Mortgage/ Mr. Cooper XXXX Now that I have time to investigate all the wrong i felt was done to me in the past by Mr.Cooper. Complaints as follow ; XXXX # XXXX ) On XXXX, Mr. Cooper claim I missed XXXX payments, totaling {$4700.00}. plus their lawyer fees. They did a payment plan with my XXXX lawyer. Then XXXX  years later ( XXXX XXXX ) they sent my money back totaling {$4700.00}. without the XXXX fees, I knew I didn't miss those payments. According to federal regulations and RESPA that money should've been return to me immediately not XXXX  years later. 
Here 's the proof. transaction # XXXX, and XXXX it's a speed payment system they have. It show actual date and months.See documents,. Compl # ( XXXX ) I had a house fire on XX/XX/XXXX. I got a {$240000.00} check from the insurance company, Mr. Cooper put it in an escrow acct and gave me a certain amount on a draw to repair my house. XXXX  amount was {$70000.00} to start. Then XXXX  inspection on XX/XX/XXXX was @ XXXX  %. They sent {$62000.00}. Second inspection on XX/XX/XXXX they estimated XXXX  % completion, They said I needed to be at XXXX  % to receive more money, So work was done until the money ran out. on XX/XX/XXXX. I did another inspection and they still stated it's XXXX  % completed. which didn't make sense. I removed roof, trusses. and completely Stripped and gutted the whole up stair, and all flooring downstairs. I hired an XXXX to redesign the roof plans and a company to pre-make the trusses, the demolition part of the house was completed and was ready to go back together. I bought supplies and material that was on site ready to go on the house and was paying payroll. ( All that cost money ) But Mr. Cooper still stating I am at XXXX  % and refuse to send more money. It's been about a month plus. I'am going back and forward with them for more money, I'am telling them, I'am running out of money and once the roof is finish they would see a lot more improvement, But Mr.Cooper loss draft department still refused to send more money. I reach out and asked to see documentations about the XXXX  % rule and they explained some documents have to be through court order. At this point, I had to make a decision, to avoid more damage to my house. see pic. So I sold my house. AS IS, and took a huge loss. CompI # ( XXXX ). Since XXXX, Whenever I'm late making my mortgage payment Mr. Cooper charge me a {$15.00} to {$20.00} fee, just to send someone by the property to make sure I still live there. I need to know if these fees are part of my contract with Mr.Cooper. My copy of contract got damaged in the house fire. I make my mortgage payments late intentionally, But I never put my house in danger of losing it.
Product: Credit reporting or other personal consumer reports

Hello This complaint is regarding Credit Collection Services. I had two accounts that were placed in collections with them. One account was paid in full years ago while XXXX of XXXX  I called and paid the one that originally belonged to XXXX. The account was deleted from my XXXX account. I requested that it be deleted from the others as well. 

They have refused only updating the disputes with account has been paid and open. 

Please help me with this issue the bureaus are not conducting complete investigations. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX