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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services, with the respect to the accounts listed.
Product: Credit card or prepaid card

I have a synchrony credit card which was used to buy furniture XX/XX/2022 I was quoted a price by my sales woman and told I had 2 years to pay it off she never at one point mentioned I was in any type of promotion then whats one year came around and I was half way done paying the card off my amount basically reverted back to the originally balance of XXXX once I called to see why it was stated that my one year promotion which I did not know I was in has ended I then proceeded to make a dispute with XXXX but the only outcome i had with that was them locking my online account so I could not pay my bill this was last month I just tried to log in again and it was successful so I can pay the bill for next month but I still may have a late or missed payment on my credit as of now
Product: Mortgage

Bank of America had incorrectly reported to all XXXX credit bureaus that I had missed payments in my credit history. I contacted Bank of America to dispute this information and they advised me that I had to dispute this information with each individual credit burea, which I did. 
XXXX XXXX and XXXX both deleted the missed payment information, after their investigations but XXXX, after their investigation, advised me that the missed payment information will remain. Bank of America is still reporting to XXXX that I have missed payments. I have been late in the past, several times but I have NEVER missed an entire payment. Bank of America should correct the information they are providing to XXXX. 
I have filed several XXXX complaints against Bank of America and they have not resolved any of the complaints. Consumers should be aware that Bank of America is a dishonest company and they need to correct their mistakes but they will not.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry with XXXX XXXX on XX/XX/2023 and it's reporting on my Equifax credit report. I need this investigated and removed off my credit report.
Product: Money transfer, virtual currency, or money service

I am a XXXX citizen involved in an international wire transfer fraud, I used my checking account with XXXX XXXX XXXX Bank to transfer {$20000.00} to Wise XXXX  transfer service that was used to wire transfer funds internationally on XX/XX/2024 to XXXX XXXX XXXX XXXX XXXX XXXX ( License no. XXXX, Office : XXXX Al XXXX XXXX XXXX, XXXX ) and sister company XXXX XXXX XXXX XXXX ( Account No. XXXX ) under XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX ) Wise Transaction XXXX. I came across this company through an advert on website/app for local business listings called XXXX. The company was supposed to purchase a truck asset and provide me with a return on investment of {$1900.00} per month for the XXXX  year duration of the contract. The company violated the contract by defaulting the first profit payment on XX/XX/2024 and since getting the funds on XX/XX/2024 stopped responding to my phone calls and emails. They also did not use the funds to purchase a truck as as Vehicle plate XXXX shared with me as proof of purchase is no longer registered under the company per XXXX XXXX XXXX XXXX. The company mailed me XXXX undated security cheques from XXXX XXXX  ( Account XXXX ) for capital investment amount and for profit amount for 1 year. After the fraud was committed, I found out that these are local cheques that are not valid in XXXX be deposited in XXXX XXXX  account and victim does not have an account in XXXX to XXXX them, they are invalid. The company 's commercial license is also under transaction status with Department XXXX XXXX and XXXX XXXX since they committed the fraud. XXXX XXXX XXXX Bank was unable to help me get back the funds even though they left from my checking account. Wise money transfer service actually put this amount into the bank account of the scammer organization XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Account XXXX ) but was unable to reverse the transaction or help retrive the funds. I need CFPB support to help get my money back from either XXXX XXXX, Wise, XXXX XXXX  XXXX ( XXXX : XXXX, Address : XXXX XXXX, AL XXXX XXXX XXXX XXXX ) or the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( License no. XXXX ), scammer XXXX XXXX XXXX ( XXXX ID : XXXX ) or XXXX Government. I have filed a police report with XXXX Police but have not heard back reference XXXX.
Product: Credit reporting or other personal consumer reports

I am grateful that the XXXX XXXX has successfully eliminated all the reported fraudulent inquiries from my XXXX credit report. However, XXXX still has not removed two remaining inquiries from my credit file, and Equifax has yet to address these three fraudulent inquiries, as they haven't removed any inquiries at all. I kindly request the Consumer Financial Protection Bureau ( CFPB ) to ensure that both XXXX and Equifax Credit Bureaus promptly remove these lingering fraudulent inquiries from my credit file : XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is affecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The bureaus reporting are XXXX, Equifax, and XXXX. Thank you!
Product: Payday loan, title loan, or personal loan

I was refinancing from Santander due to very high interest predatory loan amount and interest ( Predatory to XXXX XXXX in pricing from XXXX even though credit score was in the XXXX range ) and XXXX said they could refinance on XX/XX/2021 so I signed up with them for a lower overall payment on the same term. I was also told there was a 45 day account setup and payment schedule to start XX/XX/2021. Well, my payments are on XX/XX/2021 with a ten day grace period. Santander received the refinance contract on XX/XX/2021. The payoff quote amount was {$14000.00}. Santander sent them a check a few weeks after and they charged two months payments and interest from a {$14000.00}. So that means there was two payments taken out of the check that was money I was suppose to actually receive as the refinance remainder. My loan was even higher because of whatever way Santander worked and they have been shady the whole time. I have recordings from both sides and XXXX XXXX blames Santander for the confusion and creative accounting ( stealing/embezzling ). I did not find out they had given me only {$120.00} of the payoff until the XXXX of XX/XX/2021.
Product: Bank account or service

I have disputed with several of the financial institutions due to stolen identity and now these things are still reporting which is causing me to not be able to get an account to assist with my start over process after a bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau 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, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , IL XXXX ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} ; XXXX  XX/XX/XXXX.
Product: Credit card or prepaid card

I have PayPal account I have had for years. I reported Fraudulent activity on the card and the account was frozen. I tried to reach PayPal by phone and had no success for over a week. PayPal no external email or work phone numbers to contact them unless you log into their account. Today I decided to give it one last effort and I was able to get a reprehensive in chat. 
After an hour on chat I was able to access the account again. Upon reviewing my account, I found there were additional charges on the account not authorized. I told the representative about the charges and she said well PayPal has an end user agreement with all the people. 
I have had a PayPal account for well over 10 years and I have never had an issue with a dispute. I currently have three charges on the PayPal account that I have closed and did not make those purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account should not be on my credit bureau. The account is past the time frame that its allowed to be reported. I have proof the account is over eight years old, and they have never been able to prove the account ever had a payment in that time frame. XXXX is violating the FCRA, and does are all three credit bureaus XXXX, XXXX, TransUnion
Product: Credit card

The sales said that he could give me a light in my back yard and a doorbell with a camera. I dont have a back yard light and it was really concerning to me. I saw another guy putting a light on the front and told him that that is not what the sale person and I agreed on, that the sales person said the light would be on the back. So I THOUGHT it was done that way until a week later when my daughter came to see me, she checks the mail once a month and saw the camera on the front of the house. The sales person said that it would be {$60.00} dollars a month for the doorbell and the light in the back. I told him I am on social security and taking care of XXXX grandchildren and we don't need any extra large payments or hits on my credit. I figured I could handle {$60.00} a month payment for the light and doorbell. I have been sick, I am a little shaky and loose my balance some so the young man helped check the boxes on his tablet for me. I asked what it was saying and he said that I would be talking to someone on his phone just to verify it is me since I have no drivers license that it was for my security. I didn't not have a physical divers license. The man on his phone verified it was me. I didn't know that I was financing a loan or cameras and light, he never said that, until I got a credit card in the mail. I didnt appove of cameras on the house. I didn't know I had cameras on the house, what the man and i agreed on was a doorbell and a light in the back for {$60.00} a month. I want them to take this credit card off my credit and put if back the way it was. I want them to take these cameras off the house and leave me the doorbell and the back light. I have been swendled. Do what you said you would do and keep your word.
Product: Debt collection

The Sears card billing was sold or transferred to Citibank collection They called over 10 time in one day. The problem is that they sent the bill to a XXXX XXXX XXXX this has happen about six time in past and they have billed me four times the amount of what is the monthly payment {$4300.00} which I have been paying on time for over 12 years or more with the same address for billing for over 12 years. They changed the address to be able to collect late charges it has happen so many time before and I have paid the late charges. This is a crime with all the intent to defraud the consumer .I have spoken to them and asked why did they Sears or Citibank change my address without my permission. My address for the last 12 years has been XXXX XXXX XXXX XXXX Florida XXXX same phone number XXXX XXXX which has been in their files for over 12 years. I am asking for an Federal Investigation and a Postal inspectors for mail Fraud using the US Mail service to commit a Crime. This problem I am sure is happing to other consumer we need and demand you to Investigate this matter.My husband is XXXX.
Product: Credit reporting or other personal consumer reports

I found multiple incorrect late payment entries on my credit report, which do not reflect my typical payment behavior. Please correct these mistakes and update my account. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX  XXXX Balance : {$2900.00}
Product: Credit reporting or other personal consumer reports

I sent a request to have an item removed from my credit file, because number one, it is reporting that it was included. and discharged in a XXXX  XXXX bankruptcy, which is incorrect, it was never included in my bankruptcy. This was a savings account. They verified that the information was correct. Experian verified this. In my request, I asked them to give me a name and a phone number of the person that verified that this account was included in a bankruptcy, they just sent a copy of my report back stating that the information was verified. I also asked XXXX to remove this information, because they have it reporting as a loan, and a paid collection. This is 100 % inaccurate. This amount is for {$89.00}, and it was a closed savings account that never went into collections. I paid it, and I still have an account with this financial institution. Also I understand that because this amount is under {$100.00}, it is not factored in my XXXX score, so I want it deleted all-together. It is reporting wrong, and it does not help my XXXX score either way. According to US CODE 1681e, sub-section b. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assume maximum, possible accuracy of the information concerning the individual, about whom the report relates to.
Product: Checking or savings account

ON XX/XX/2023 i XXXX XXXX XXXX received a letter from Bank of America stating {$9400.00} was withdrew from my Checking Account on XXXX XXXX and was applied to an outstanding Balance the was reported closed Charged off as bad debt profit and loss write-off on XXXX XXXX and Again on XXXX XXXX XXXX with a XXXX Balance on XXXX XXXX {$28000.00} was withdrew from my Savings Account for the same reason then on XX/XX/2023 i received a payment refund of {$28000.00} back to my Account.
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 NUMBER : 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 four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX - XXXX Listed below are the Personal Information that are beings required by XXXX5 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX XXXX regarding a hard inquiry on my equifax credit report. I navigated to the provided link and it was shown that XXXX XXXX XXXX made a hard inquiry. I have no affiliation with XXXX XXXX XXXX and have not communicated with them at all so I have no idea why there is an inquiry from their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Ally Financial Account number XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any purpose
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

Credit Card with Apple Card by Goldman Sachs Bank 1. Made {$700.00} payment on XX/XX/XXXX, which increased my available credit by {$700.00} 2. Called on XXXX to cancel {$700.00} payment as it was made from a closed checking account, available credit was decreased by {$700.00}. 
3. On XX/XX/XXXX, adjustment made to my account by another {$700.00}, and lower my aviable credit again by {$700.00}. 
4. Opened several disputes, and I was advised that {$700.00} adjustment was due to an actual money refund sent to my closed checking account ending XXXX and there is no error to my account and check with my bank for {$700.00} refund. 
5. Went to XXXX XXXX XXXXXXXX to see if there is a refund of {$700.00} in my closed checking account and bank advised that because account was closed, refund of {$700.00} was sent back on XXXX to Goldman Sachs with ACH trace number XXXX. 
6. Attached XXXX credit card statement under payment shows payment on XXXX for {$700.00} and then reveal on XXXX for {$700.00} but also under transaction on XX/XX/XXXX shows adjustment of {$700.00}. Meaning my account was lowered available balance by {$700.00} on XXXX and again on XX/XX/XXXX by {$700.00}. Goldman says because they refunded {$700.00} to my closed checking account which I provided to ACH trace XXXX that my Bank refunded back Goldman. 
7. See attached response from Goldman about my dispute. I agree that they refunded {$700.00} to my closed checking account but the money was sent back to them ( ACH Trace provided ), so my account available balance should not be adjusted twice but just once.
Product: Mortgage

My mortgage is being serviced thru Rushmore mortgage. Looking at my escrow they are adding a additional 3+ months worth of taxes insurance and PMI which is causing me to pay higher monthly payment. I was told by law they can only hold 2 months worth currently they added a additional XXXX to my escrow but should only be XXXX. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency is improperly reporting a balance owed to Macys and to XXXX XXXX and they are inaccurately reporting that I filed a Chapter XXXX in 2017. I never filed a bankruptcy in 2017.