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

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Consumer Loan

I entered into a loan agreement with Western Sky which handed off to XXXX. I have been paying almost {$300.00} a month for almost 2 full years. I owe now more than I originally borrowed. They take only $ XXXX- {$6.00} of my payment to the principal and apply {$290.00} to interest. I was in dire financial straits when the loan was first taken out. I am now just living on my Social Security. It has become quite a hardship for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report XX/XX/2022 I sent XXXX, Transunion, XXXX Investigation Request letters to make sure it was 100 percent accurate information via 15 U.S.C. Sec. 1681i ( a ) If not I asked it to be deleted. In the letter it was 30 days giving to investigate and respond with a updated report to be sent back to me after the investigation. I never got a reply from neither of the Credit Bureaus mentioned above. I also sent them the violations on the credit report highlighted where it was not 100 % accurate. They disregarded my letters for the investigation and did exactly what they wanted to do. Now after all of that they tried to update everything to make it look as if it was accurate. Knowing it is XXXX dollar fine for every violation or they must delete the account. They choose to act if the account was 100 percent accurate by changing everything around. I have proof it was inaccurate before they updated the credit reports. The updated credit report will also be in the attachments.
Product: Debt collection

In XX/XX/XXXX my identification was compromised in a breach by a professional service provider business and I believe that my identification was used to obtain services in the years that have followed. After accessing my credit report on XX/XX/XXXX I found an entry reporting as an open account that was unknown to me in the amount of {$1400.00}. I disputed this with the bureaus and as a violation of the FCRA and FDCPA and I requested in writing full validation under the Violation of the Fair Reporting Act from XXXX XXXX XXXX  with the account number XXXX who were reporting for their client XXXX XXXX XXXX. See attached XXXX XXXX report number : XXXX dated XX/XX/XXXX. On XX/XX/XXXX I had a telephone conversation with an agent of the collection agent who is reporting the account # XXXX to XXXX XXXX. I was advised that the unknown account was validated and I request to know who validated this account as mine. I was also advised by the agent that the total reported as past due on this account was {$1400.00} and opened XX/XX/XXXX. I am appalled that my statements and requests have fell upon dead ears therefore, I challenge the accuracy, compliance and reputability of this listing. I require that XXXX XXXX XXXX validate this information they are reporting against me and provide me with copies of documentation associated with this account, bearing my signature and my image. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful records of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax on XX/XX/XXXX requesting deletion of a closed account on my credit file. This was an account that was open and never used. Having never been used, it only ever reported with positive payment history until it was eventually closed by the issuer for inactivity. Again, the account was never in any negative or delinquent status. The only reason I requested this account be removed was simply because it had been closed for 7 years. On XXXX, I received the dispute result from Equifax. Not only did they not delete the account per my request, they updated the payment history on the account showing multiple 30, 60, 90,120, and 150 day late payments in the year XXXX and as recently as last month. Since this account was closed in XXXX and never had a balance, it would be impossible to have late payments recorded of any kind in XXXX and XXXX. When I called the original creditor ( XXXX XXXX  ), they informed me they have no record of this account associated with my SSN at all and are therefore unable to issue any kind of correction. As a result of this error, my FICO score has dropped XXXX points. I have received notice of adverse action on XXXX of my active credit card accounts indicating my credit limits have been reduced as a result of this. This is a serious error that has already yielded negative consequences for me and the only thing Equifax offered to do was to " Re-dispute '' it when I spoke with them on XXXX. In the meantime, my personal credit record is left to suffer while their computers process the dispute. This is a problem that clearly requires human intervention and review.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX  XXXX, XX/XX/2021 ), ( XXXX XXXX XXXX  XX/XX/2021 ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX  and XXXX  allowed a debt and otherwise negative report to be placed on my credit reports even though this fraudulent account was created when I was a minor. This debt is not mine and was opened when I was a minor. I provided proof of my age and these credit reporting agencies have not removed this negative account
Product: Money transfer, virtual currency, or money service

On yesterday I went online to lookup Cash app phone number to dispute a company called XXXX XXXX  because I have not received the merchandise I paid for. The first transaction was on XX/XX/XXXX in the amount of XXXX then I paid the same company XXXX. I never received any product instead of disputing with my bank I thought I was contacting cash app. A gentleman stated he is the manager at cash app by the name of XXXX XXXX his direct line is XXXX ) XXXX gave me his number directly and then he proceeded to tell me to identify my transactions to download and log into support and give him ID code he was on my phone with me I showed him the transaction that was taken out he had to go to cash app and delete all requests sent to them for my money then he proceeded to tell me to add these code which was actually taking money out my checking account. I mentioned why is more money taken out my account when the original problem is not handled he stated they hold for verification I said Im going to my bank I didnt authorize these transactions to come out. Then he told me while they are handling XXXX  XXXX  do not attempt to log back in until he calls tomorrow with an update. I said I need my money back in my account. So I got my daughter to help me reopen my cash app because it was completely taken off my phone when we opened up my account he changed my email address to XXXX and deleted email and my phone number. Thats when I tried all in my power to stop that money from going out. I placed my phone number back and I deleted the fake email and placed mines back. Ive contact cash support telling them I didnt do it to put it back but I went to my bank and cancelled the card it came out of. Now my account is frozen with cash app and there is no one I can talk to to get my funds back
Product: Debt collection

This company is illegal reporting I've had 2 accounts in this office since XX/XX/XXXX ( medical ) and the debt was sold in XX/XX/XXXX ( confirmed by the other agency ) however BOTH AGENCIES are  reporting the SAME DEBTS as an active and verified debt. I've called and left several messages on the " supervisor '' line and have yet to ever receive a return call. My next step is obtaining a lawyer and pursuing legally for the negative affects on my credit.
Product: Credit card

In XX/XX/XXXX I opened secured credit card with Citi Bank. Secured means I had to put {$2000.00} deposit on it, which I suppuse to get back once the card transition into regular Diamond Preferred card. As of now - XX/XX/XXXX I haven't received my deposit back. I'm calling twice a month for an update, usually spend XXXX hours on the phone- only to be told they're still investigating and I should get an update soon. With that being said- they're using my money for free since XXXX  years. If I borrowed {$2000.00} from Citi at their current rate for XXXX years - I would have to give back another {$2000.00} by now. So I don't understand why they keep using my money and refuse to give it back.
Product: Bank account or service

Citi offered me XXXX XXXX XXXX miles for opening a Citigold checking account and fulfilling certain account requirements. I met those requirements and even got confirmation from a Citi representative through a chat session that I had met the requirements and would receive the bonus by XXXX XXXX. When I contacted Citi a few days ago, they told me that I am not eligible for the bonus.
Product: Credit reporting or other personal consumer reports

This account is due to fraud remove from my report immediately Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ). I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sue-able monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4 ) unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance! You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself.
Product: Debt collection

I believe I'm the Victim of Identity Theft. My Credit Report Information was Stolen and Incorrect Information continues to show up on my Report. This is not my Debt.

My Information was obtained through Identity Theft.
Product: Credit card or prepaid card

Two unauthorized transactions occurred XX/XX/21, {$2000.00} and XX/XX/21, {$830.00}. I became aware XX/XX/21 when usbank ReliaCard had locked my account. I confirmed transactions were not authorized by me and that usbank had allowed someone other than me to change my email and text alert notices. 
A new card was issued but when setting up I discovered usbank still had the email used in the fraud attached to account. Us bank requested written notice which I provided and they recvd XX/XX/21. But they closed case XX/XX/21 without returning any funds to my account. I contact usbank XX/XX/21 to request any, all documents related but they would not give any. I requested the case be reopened and reviewed as these transactions werent mine. They refused. I asked for any contact that could possibly help with the fraudulent transaction but they just said they were sorry I felt that way and would not provide any information or resolution. At their request I had submitted proof of my identity shortly after first reporting fraud.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681a, which defines the obligations of credit reporting agencies to ensure the accuracy and integrity of the information they report. I disputed inaccurate information on my credit report account ( XXXX XXXXbut XXXX failed to follow up or correct the errors. 

XXXX actions also violate Section 1681i, which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. The CFPBs recent lawsuit against XXXX, alleging the acceptance of unreliable information and failure to notify consumers of dispute results, mirrors my experience. This failure has negatively impacted my credit and ability to obtain financial products. 

Experians negligence in this matter violates my consumer rights under the FCRA, and I request the CFPB investigate and take corrective action.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX or XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX or XXXX XXXX # XXXX, Account name : 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 card or prepaid card

I purchased a mattress from Mattress Firm. They have a policy, if you don't like the bed, you're allowed a replacement. I did not like any of the beds, and they were returned. 

I later went online and found another mattress from Mattress Firm for {$540.00}, although online it said memorial days sale of {$500.00}. No problem, I accepted the {$540.00} and financed it through Synchrony Bank, credit card # : XXXX XXXX XXXX XXXX. I made payments on time. I received a paperbill initially and was told my bed now cost {$990.00}. I emailed synchrony bank and was told it would take up to three months to get the paperwork together. 

Guess they figured it out, so my bill is now {$540.00}, but each month I pay it down, it increases. As of today, I owe {$87.00}, however, via a message from Synchrony Bank yesterday ( XX/XX/XXXX ), I'm told my balance is {$210.00}. During XX/XX/2023, they charged me {$72.00} in interest. Previous interest has been $ XXXX dollars. 

I sent them an email, and they said my balance keeps increasing because I missed the promotion they claim they sent me via mail. I only received a bill in the mail once and immediately contacted them about the promotion. I was told I missed it, so therefore my payments would increase. HUH! 

They now send email statements showing me my balance. There is nothing on the balance showing sheet about a promotion. It says how much is due, and I pay it. My understanding from my one phone conversation, and from their messages to me is, if I don't respond or accept their 'promotion ', then they have the right to keep increasing my balance. 

As I make the payment for this month, my balance will be {$50.00}, and I plan to pay it and make no more payments. I've paid my bill on time and I've paid their interest, but, I'm confused as to why I have to pay these 'promotional " fees. Do I need to get a lawyer? Thank you.
Product: Checking or savings account

Wells Fargo opened a fraudulent checking account in my name. Wells Fargo has confirmed this was opened, but will not confirm if the account has been closed. I have provided them emails showing where the account was opened online at XXXX am and how the person then tried to change the email on the account to a different email address. I just want them to close the account and not waste anymore of my time with fraud occurring in my name.
Product: Credit reporting or other personal consumer reports

Today, I discovered inaccurate accounts listed on my credit report, and I have no clue why they are there. I routinely review my report, but this time, I noticed unexpected inconsistencies. I even refreshed my browser to check if it was a temporary error, but the inaccuracies remained. Due to this, I kindly ask that the documents I provided be thoroughly reviewed so that I no longer have to worry about this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$140.00}XXXX XXXX Inquired on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation.

The following items that I'm disputing are as listed : Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

I received numerous emails and mail that I was pre approved for a credit card. On one occasion, it stated it was a soft inquiry and yet it now appears as a duplicate hard inquiry. This is hurting my credit score and credit report. I work hard at paying my bills on time.