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

I filed an Equifax dispute for which they responded with a letter dated XX/XX/2019 stating they are unable to locate a credit file for one of the following reasons : 1. You may not have a current file. I agree this could be the case and this is also the basis of my original dispute/complaint. Equifax is negligent in maintaining my file current and updated. For instance they are carrying a balance on a XXXX XXXX which has been long paid. 
2. You have not applied for credit recently. This does not apply as I was relocated by my work and had to obtain credit applications for new banks, apartment, utilities, etc. 
3. You have not actively used credit int the past ten years. See # 2.
Product: Credit reporting or other personal consumer reports

I have submitted detailed complaints with XXXX XXXX XXXX, and XXXX XXXX XXXX. and 2 of the 3 credit bureaus on this platform. It has come to my attention that there has been no new reporting on my reports after having opted out ; however, the previous reported history is still causing hardship and injury to the wellbeing of myself and XXXX babies. 15 U.S.C. subsection 1681c details the Requirements relating to information contained in consumer reports ; section ( b ) 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, meaning NO adverse item besides the conviction of crimes should be on my report, any derogatory mark is not allowed into the consumer reports, indicating a violation! further, 15 U.S.C subsection 1691a ( 2 ) ( A ) ( i ) states ; report containing information solely as to transactions or experiences between the consumer and the person making the report ; conclusion : REPORTING TRANSACTION HISTORY IS ILLEGAL. 
take Further Notice! EXPERIAN, XXXX, AND XXXX, have been allowing or sharing my personal information to solicitating credit card companies, evidenced by the very report each bureau has provided to me upon request, making this a valid claim for IDENTITY THEFT, pursuant, 12 CFR subsection 1022.3 Definitions, which states very clearly : IDENTITY THEFT means a fraud committed or attempted using the identifying information of another person without authority ; as I see it ; by use of the very definition given, anything added to my report WITHOUT MY WRITTEN CONSENT is considered IDENTITY THEFT. Every privacy NOTICE i have ever received firmly states the company/bureau DOES NOT SHARE my information with third parties, however there's record of soft inquires on each report!!! which evidences deliberate misuse and/or breech of trust! 

XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX. have both been paid in full!!! I have been in disputes with both entities and their trustees for over a year now! they BOTH have misused the tender and security given to settle the obligations! they BOTH have WILLFULLY dishonored my attempts to settle the debt. their gross neglect in updating my accounts have resulted in injury! AND THE OFFER OF NO EXPLAINATION TO THE DISAPEARING TENDER ONCE IN THEIR CUSTODY!!!! 
I am INJURED from this Gross neglect! and am facing severe hardship, and displacement due to their WILLFUL NONCOMPLIANCE! 
FURTHER NOTE : due to the inaccurate reporting from these two furnishers, the other credit lines have either lowered my available credit and or closed the account to which I have no negative history with, yet this greatly effected my credit utilization!
Product: Credit reporting or other personal consumer reports

There is a fraudulent account reported on my credit file. Account Name : JPMCB Card Account Number : XXXX Account open date : Someone has opened an fraudulently authorized an account on my name using my Identity for this account for which I am not responsible. Please remove this account from my credit file. I challange the company to provide me the proof for opening of this account by me. I am the authorised user for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

USAA has been contacting me by email implying that I am encouraged to apply for one of the credits cards they offer. The bank even encourages me to apply for a bank account to receive a {$200.00} bonus. Every time I apply for either I get denied and get a ding on my credit. USAA will deny me and then send me another email asking me to apply AGAIN so that I can get denied again apparently. I have listed all the dates below of the times I was emailed, as you can see the dates are very close together. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Comsumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I settled & paid off a debt owed for my XXXX credit card back in XX/XX/XXXX with the debt collection agency at the time. The company name was XXXX XXXX XXXX, XXXX. The account was discharged and released off of my credit report. 

In XXXX, XXXX XXXX XXXX acquired my information from XXXX XXXX XXXX and began harassing me about the same debt which was paid in XXXX. XXXX XXXX XXXX applied a derogatory mark on my consumer report for collection of this same paid-off debt. My credit score dropped XXXX  points due to this. I am currently trying to resolve the matter with them but they are not responding swiftly or with any sense of urgency.
Product: Checking or savings account

On XX/XX/XXXX, I made an online purchase from a seller on XXXX with a total transaction amount of {$330.00}. The payment was processed through my checking account linked to my debit card. However, the seller has not shipped the item, and I have not received any updates regarding the shipment or resolution of this issue. 

I contacted the seller on XX/XX/XXXX via XXXX messaging platform to request either the shipment of the item or a full refund. Despite multiple attempts, I received no response or resolution. I also reached out to XXXX customer support on XX/XX/XXXX, but they were unable to assist further. 
I attempted to resolve the issue through XXXX platform, but the refund process was unclear and lacked an option to request a refund without returning an item ( which was not delivered in the first place ). As a result, I had to close the refund request, as it did not provide a viable resolution. 

XXXX then refused to assist further, citing that I had closed the refund request. However, this issue is not my fault, as their refund process did not provide an appropriate option for this situation. 

I am requesting XXXX XXXX XXXX assistance in disputing this transaction and recovering the full amount of {$330.00}, as the seller has failed to fulfill their obligation, and XXXX resolution process was inadequate.
Product: Credit card

I have a us bank credit card that I make monthly payments and do n't use a lot.I went to go buy a new phone and my card was declined, I promptly called them and my card is in bankruptcy i have NEVER filled for bankruptcy nor do I EVER plan to. when I contact the card company i spoke with the bankruptcy department and they looked into the case they got in contact with with the lawyer that had the case for bankruptcy that the card was being held under And he told them that the ssn # was wrong and he did n't understand why they were contacting him since I was not his client he said its a case of mistaken identity and sent over all his info on the case he was handling to them. The card company looked it over and agreed i was told it was going to be overturned they just needed a supervisor approval. I said fine it has been XXXX WEEKS and I have called multiple times and I keep getting the run around of his out to lunch, his in a meeting he is busy. My card is still in bankruptcy and I 'm still making payments on something I ca n't use they refuse to help me
Product: Mortgage

please see my 2 previous 2 CFBP complaints which have never been resolved and I still do not know how my payments are being applied. this was to be a 15 year amortizing loan. It appears as though the CFPB is absolutely not help in this getting this straightened out. Who else do I go to? HUD? As a mortgage professional I expected the CFPB would assist in my complaint against Truist since they took over my HELOC from Suntrust. Complete disappointment in the CFPB complaint system. I thought it was there to give consumers protections and answers. 

complaint # XXXX complaint # XXXX
Product: Checking or savings account

I contacted Chase Bank on XX/XX/2023 about my paycheck being held for 7 days. I was told they would not release the funds due to them not having a way to verify the funds. Chase is violating regulation CC and also refused to give me access to {$200.00} on the next business day which is a violation of federal law.
Product: Checking or savings account

On XX/XX/2019, I deposited a CASHIERS check ( certified funds ) into my account from my federal refund from XXXX XXXX XXXX. The funds were immediately placed on hold. I have been contacting Wells Fargo bank on several occasions trying to find out why and if they could release the funds. I was advised by them that the other bank could possibly debit the funds back. I contacted the other bank and was told that the funds was verified and cleared on XX/XX/XXXX. Ive contacted Wells Fargo bank on several occasions letting them know that they are holding the funds with no probable cause at this point and they still refuse to release the funds. I am a mother of three kids whom account is currently in the negative because I had made post dated check arrangements on my account, I have no money, they said that they wouldnt even void the check for me to have another reissued. The last representative I talked to in the executive office by the name of XXXX said that it could take 24-48 hours for me to speak with a supervisor and that is totally unethical and humane.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Experian re XXXX XXXX hard inquiry XX/XX/2022 ( Complaint Id XXXX ) ** please see new attached letter Thank you for your response. I am aware there are different types of credit pulls ; ie hard/soft etc and how they affect scores. 

I am asking that you remove the XXXX  XXXX hard pull because I was under the impression it was a soft pull when I clicked on website stating I could see if I would be prequalified. 

I just wanted to see if Id be approved as I was working on improving my credit. 

Had I actually wanted the credit card, I wouldve used it but as you can see from the attached letter, I didnt open or use the card. 

And.. 

XXXX  XXXX informed me they requested all XXXX  XXXX account related information related to that pull removed from the XXXX main credit bureaus. 

Could you please go ahead and remove that hard inquiry because it was pulled when I was under the impression it was a soft pull as XXXX XXXX does to prequalify potential customers as well as hard pulls. 

Thank you. 
XXXX XXXX XXXX XXXX I just found this letter or I wouldve included it when I XXXX opened a complaint. 
I did call XXXX XXXX as the letter says but they said I couldnt get a copy of the letter they sent to myself of the credit bureaus.
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. 

I told 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 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 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.
Product: Credit card or prepaid card

I pay my credit card bill each month to avoid the 19.99 % interest charge. Last month, while paying my bill on the Citi bank website, a pop up offered a {$20000.00} flex plan loan with an 8.99 % interest rate. I took the loan to help pay for my sons post education. I received my bill and paid the balance of my purchases for the month plus the plan payment amount for the Citi flex loan. I received my next bill and there is {$98.00} in additional interest not related to the loan. I call Citi. Thirty-two minutes later, the Citi rep confirms that although the loan plan payment amount is itemized separate on the bill, the application of the payment results in being charged the higher 19.99 % interest rate on the purchases. In other words, the 8.99 % loan results in being charged 19.99 % on the purchases UNLESS the bill is paid in full ( both the loan and the purchase balance is paid in full ). Which means that while the loan balance is technically 8.99 %, youre payment is being applied in a way which results in an overall blended rate that is much higher. The only way to only to use the loan as sold, is to take the loan and NEVER use the card again until the loan is paid off. This is all very confusing, but certainly unethical. I asked for an email to complain. She said there was only a PO address. I can not believe this is legal and being pushed on consumers. Im educated, worked XXXX XXXX XXXX XXXX, and I am sure many others who carry balances are being hoodwinked into increasing their debt at interest rates while beyond what was sold to them. She mentioned fine print. I honestly dont recall anything more than clicking accept, but even if I did, there is no way this is being explained in a way which is ethical.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to unauthorized inquiries persisting on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). This is my second request, as the credit bureau has failed to take adequate action after my initial claim, sent on [ XX/XX/year> ]. The involved creditors confirmed that they do not possess written authorization or a permissible purpose for these inquiries. '' Unauthorized Inquiries : List the inquiries you continue to dispute : Creditor Name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/year> Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/year> Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> FCRA Violations and Relevant Case Law : " These unauthorized inquiries violate several provisions of the FCRA and relevant case law, as follows : 15 U.S.C. 1681b ( Section 604 ) - These inquiries do not meet permissible purposes for accessing my credit report as established in XXXX XXXX XXXX XXXX XXXX. 
15 U.S.C. 1681i ( a ) ( 5 ) ( Section 611 ) - The FCRA requires deletion of unverifiable information, in accordance with XXXX XXXX XXXX, XXXX. 
15 U.S.C. 1681s-2 ( Section 623 ) - Information providers must ensure reporting accuracy, as underscored in XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX '' Verification and Documentation Requests : " I specifically requested manual verification of these inquiries and any original documents justifying their presence on my report. However, I have only received generic responses, with no detailed explanation of the verification method, which violates 15 U.S.C. 1681i ( 7 ). I also requested deletion under identity theft protections ( 15 U.S.C. 1681c-1 ), as these inquiries pose a potential fraud risk. ''
Product: Credit reporting or other personal consumer reports

Please remove fraudulent phone numbers and employers from my credit report.
Product: Credit reporting or other personal consumer reports

A federal court issued an injunction preventing the XXXX department of Education from Implementing Save and IDR plans under various programs including PSLF. My account was placed into forbearance initially with XXXX when the injunction occurred and then with XXXX XXXX on the basis of this ongoing litigation. However, I have received several late payments on my credit report without any notification my accounts were being removed from forbearance nor did I receive a notification of incoming bill. This forbearance is said to last until this matter is settled. The injunction is still in place as of XX/XX/year>. I am requesting the no payments/late payments be removed on the basis listed.
Product: Student loan

I have a federal loan with Nelnet, a different loan provider, i was with Great Lakes, it is impossible to get in touch with them, I am trying to get into a SAVE plan, I was denied, with no explanation. I need to lower my payments, i am on social security and a widower, I am financially struggling, please help. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly a charge-off of {$4100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have not now, nor in the past, ever had an account with XXXX XXXX. This false reporting of a charge-off account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I had sent in a complaint on XX/XX/XXXX ( XXXX ) to your office regarding the erroneous information in my Equifax, XXXX, and XXXX in which the 3 bureaus are alleging that the information was obtained from the 3rd party Data Furnisher, XXXX XXXX. 
I also disputed the information with XXXX XXXX the Data Furnisher who sent me a letter stating that in accordance to the Fair Credit Reporting Act ( 15 } 1681 ), XXXX XXXX filed my dispute with the 3 credit bureaus and on XX/XX/XXXX this disputed information was deleted from their records. 
I then reached out to the 3 credit bureaus and asked how the disputed information was verified by XXXX XXXX the 3rd party data furnisher when the information had been deleted from my file. My to have this information corrected by the 3 credit bureaus have been ignored and I have not received an updated response since. Not to mention that XXXX and the XXXX use their bureaucratic process to justify keeping erroneous information on my credit report. Its evident by the way that XXXX sent me a letter on XX/XX/XXXX with the Consumer number XXXX stating that they were unable to fully authenticate my identity and requested that I send in additional information in which I did. In addition, I received XXXX letters with the same Consumer number XXXX that states that the disputed information was being removed from my files. Also note that the name in the body of the correspondence that reference CFPB Case # XXXX that I am attaching, is spelled XXXX XXXX which is not my legal name and further shows how erroneous information is being placed in my credit files and I want all traces of the XXXX XXXXXXXX deleted off my 3 credit reports with Equifax, XXXX, and XXXX. 
This erroneous information has caused me undue hardship financially and slowing up the process of me from getting my security clearance from my employer. This has caused irreparable harm to my credit file and I am requesting that this damaging information gets deleted from my credit files immediately. I am also requesting statutory and punitive damages in the amount of {$3000.00} from all 3 of the credit bureaus Equifax, XXXX, and XXXX for a total of {$9000.00}. This credit reporting system is an unfair system, predatory and life ruining and preventing me from recovering financially from the Covid-19 pandemic. Credit inequality matters. It contributes to the wealth gap. And part of closing that gap is acknowledging and eliminating systems like erroneous reporting of credit information that, intentionally been hindering consumers from becoming financially healthy.
Product: Debt collection

These representative called and told me I was facing court charges if I did not pay ASAP. So, I scheduled payments. i believe they were lying and misrepresented someone who they are not. This company is Portfolio Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent LVNV Funding a letter letting them know that the information that was requested of them was invalid and that they needed to stop reporting negative information to my credit reports and the accounts should be closed and removed from my credit reports. LVNV Funding did not provide the proper proof for the accounts. They only sent me a print out of a bill, which is not valid proof of verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I sent this information to LVNV Funding and they continue to report negative information to my report and did not respond to my letter with the proper information, which is a continued violation of FCRA. Their reporting is a violation and continues to prevent me from moving forward with my life and preventing me from providing a better life for my family. Than you in advance for all of your help.
Product: Credit reporting or other personal consumer reports

The credit Bureau is reporting more inquiries than I have. I should only have like XXXX to XXXX inquiries.