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

I am applying for a mortgage. My loan officer emailed me today ( XXXX XXXX ) to let me know that she was unable to pull my credit from XXXX because my credit report was 'blocked ' and TransUnion because 'they were not reporting a score '. I called both companies today. XXXX was unable to verify my identity over the phone. They asked me identity questions about home/car/other loans ; however, I have never taken out a loan as of this mortgage application process. This makes me concerned that my identity has been stolen ; however I can't access my credit report to verify if it has been stolen. XXXX requested that I mail or fax them photo copies of my driver 's license and social security card to verify my identity, but the idea of sending copies of my IDs through the mail makes me uncomfortable. TransUnion said that a credit report exists for me ; however there is no way that my loan officer can access it independently of me giving her a copy of a report that I request myself ( which is invalid by her bank 's standards, obviously ). 

I am concerned as a result of these difficulties that my identity has been stolen. I went to XXXX to pull my credit from all three CRAs. I was unable to do so for all three. They all asked me identity questions pertaining to loans that I have never heard of. Some also asked me about credit cards that I have never had. As a result I am concerned that my identity has been stolen. 

I have yet to contact XXXX but I don't anticipate that it will be fruitful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified That I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX FAILED TO REMOVE AALL HARD INQUIRIES FROM TRANSUNION AS PROMISED.
Product: Debt collection

AN ACCOUNT UKNOWN HAS BEEN POSTED TO MY ACCOUNT ORIGINATING FROM XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FROM CREDIT PROTECTION.
Product: Checking or savings account

I bank with Santander, I called them XXXX XXXX XXXX because someone was sending money from my account to XXXX XXXX i dont use XXXX XXXX and never did as i have a bank account no point of me using that. They said they will investigate, its been 10 days and they never gave me a provisional credit when they said they will give me a provisional credit. I dont know what to do in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early this year in the process of me trying a buy a home, I pulled my credit report from all three CRA I noticed accounts that were not mine. one is a credit card account opened in my name XXXX of 2019 with a current total balance of {$710.00} reporting on my credit and another for XXXX XXXX with a balance of over {$1000.00}. I immediately took steps to correct this incorrect information. I have sent multiple letters, filed a police report, sent an Identity theft report all to no avail. Till this day, I have yet to receive any sort of verification or account information from both the banks and CRA 's. I have requested that this information be blocked and removed from my credit file. XXXX has completed it's investigation and deleted these fraudulent accounts off my credit file. It still remains on my XXXX and Trans union reports.
Product: Credit card

I was checking on my balance of {$2000.00}. The installments have been made before due dates but I noticed lately that a late payment fee is being added to the account of {$30.00} every month ... Every payment has been made on time ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Not only have XXXX  breach affected me but I also lost my wallet. I have disputed these allegations of accounts before all to no prevail. The credit agencies only position was responding by saying verified. Verified without providing me the physical documentation inwhich I'm entitled to. But still and all they are not mines. I'm requesting that the following accounts be blocked from my credit report. 

1 ) XXXX XXXX XXXX 2 ) XXXX.. {$56.00} 3 ) XXXX XXXX 4 )  XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX .. {$52.00} 7 ) XXXX   8 )  XXXX.. {$52.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I submitted several disputes regarding unauthorized credit inquiries on my TransUnion credit report. I was never notified of the status of the disputes, nor did anything become of it. At one point during the process, I was informed the inquiries used my name and information, but had the incorrect social security number. 

When I checked again today ( XX/XX/XXXX ), the credit inquiries are still on my report. 

I called XXXX, the company the unauthorized inquiries are through, and they are unable to find any applications in their system. 

I also submitted the same disputes to XXXX, and the unauthorized inquiries were removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have talked with XXXX  and XXXX who have both informed me they did not share information with the credit bureaus about a bankruptcy, bureaus stated they received them from these companies which I know to be false and per the fair credit reporting act these should be removed
Product: Checking or savings account

I dont know how you managed to respond to my prior complaint about Sofis opening bonus without even getting the company to do anything at all. Their written response actually repeated the same information I provided to you that is problematic. How could you send me their response and tell me the matter is settled when they actually had nothing to offer? 

I advised you that Sofis direct deposit bonus says you can get a bonus of either {$50.00} or {$300.00}. If you have direct deposits under {$5000.00} you get {$50.00}. If your direct deposit ( s ) total over {$5000.00}, you get {$300.00}. Now here is the problem to the consumer trying to take advantage of this bonus. If you require a second direct deposit to go over the {$5000.00} threshold to get the {$300.00} bonus, your second direct deposit must be received by SoFi within 25 days ( not business days ) of your first direct deposit receipt by SoFi. Now, as in my case, my first deposit was my XXXX XXXX check. My second direct deposit is scheduled to be my XXXX XXXX which will only be sent when XXXX decides to send it. It is not under my control when they will do it. Therefore, it is unrealistic to give me only 25 days to do so. This only favors SoFi and not the customer. How can you not see that?
Product: Debt collection

I contacted Studoc ( formally known as student document assistance program ) prep to get help with my student loans and they gave me false information. They wanted my personal information, which I gave them, they also wanted me to pay up front of XXXX dollars ( I paid them on X/XX/2017, X/XX/2017 and X/X/2017 with the payment of {$290.00} ) without the promise of any written details, and told me I qualify for public service loan forgiveness ( The prep told me it is called Obama student loan forgiveness program, which I found out there is no such program exist and it was false advertise ) Right now it is XX/XX/XXXX, 2017 and they are still asking me for more information and fill out more document, and at this point I requested that I would like to cancel my service and get my money back but the company prep are being avoidance of my request. They kept saying it is almost compelete and want me to wait but I been dealt with this incident since XX/XX/XXXX, 2017.
<P/>The last time I contacted them was on XX/XX/XXXX, 2017. The prep wants me to put another forbearance for 3 months and told me that they tried to contact me in XX/XX/XXXX, and in XX/XX/XXXX but can not give me the date when they called. They tried to put the cause of delaying the process on me but when I asked the date and the time they called, the prep can not provided the information. I kept all the email that I got from the company if needed.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The payment history on this account XXXX is completely inaccurate. Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX. {$200.00}
Product: Checking or savings account

We had fraud on our business checking account in XX/XX/2021. XXXX checks were cashed twice and Chase Bank reimbursed us for 4 of the 6 checks, after MONTHS of waiting. We are asking Chase Bank to take responsibility and reimburse us for the last 2 checks. The check numbers are # XXXX for {$410.00} and check # XXXX for {$470.00} totaling {$890.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent accounts. Someone stole my identity and open up the fraudulent accounts in my name. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. 

Please DELETE the following fraudulent accounts. 
XXXX XXXX XXXX XXXX/EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( EQUIFAX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) Please DELETE the fraudulent inquires XXXX XX/XX/XXXX XXXX EQUIFAX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX, XXXX XXXX ( EQUIFAX ) XXXX XXXX XXXX ( EQUIFAX )
Product: Debt collection

I will attach the email below between the collection agency & myself. The agency is trying to ask for money that we do not owe. I gave my property manager enough notice to vacate & that she would rent to us again. I have both our signatures. I moved out before my parents. Our lease was up XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX told me I was released from the lease. My mother was also there as a witness when we signed the document My parents as well have had signed a separate move out notice before they left. There was not a third line for me to included. My parents & myself have fulfilled the lease. They are trying to make us pay for renovations! Also they stated we didnt have a security deposit, which in fact we did on the original lease!!! 
Always make sure to get copies of everything you sign. I have gotten nowhere with this agency & they are indeed trying to collect money that we do not OWE! 

I will attach my move out notice, my parents move out, the email between the agency & myself explaining the situation & the original lease thats shows in fact that we did have a security deposit.
Product: Mortgage

Good morning! 

I have been working with XXXX XXXX ( Element Funding ) on a new XXXX  property. As we got to the appraisal portion I was advised the appraisal would be {$500.00} and she took my credit card information over the phone. I was then charged {$720.00}. This is not my main issue. 

I am now using a different lender, XXXX XXXX with XXXX XXXX XXXX XXXX. I am working with him group to get the appraisal that I paid for transferred from Element Funding to XXXX XXXX XXXX XXXX. 

XXXX and Element Funding are refusing to transfer this appraisal after numerous requests. I was advised by my attorney to reach out directly to CFPB to file the complain to expedite this process. 

Can you please help get this apprasial transferred. This is VERY urgent. 

Thanks so much. 

XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

It's still showing that im late since XXXX i am currt at the company doesn't want to fix anything they told me i have to go through this website. It is negatively effecting my credit and i do not appreciate it at all
Product: Credit reporting or other personal consumer reports

**Update to previously submitted report, I mistakenly put the wrong company. I meant to complain about the CREDIT REPORTING AGENCY & the place where there is a Fraud that took place. *** I recently started to check my Credit reports after a long while of not doing it. I discovered that there was an account on my Credit Report that isn't mine. I think I may have been a victim of false identity and decided to file an ID Theft Report. This is the 2nd time I have filed an ID Theft Report which has went no where and there is no number listed to call them. The Company name where the false account is XXXX XXXX and the amount is for {$21000.00} which was opened up back in 2021. I have reached out to all XXXX credit Bureaus to no avail.
Product: Credit reporting or other personal consumer reports

I have several data breeches that has affected my credit Tremendously Starting back from XXXX  Starting with XXXX until now because of identity theft and data breeches that shared important personal data information.i was sent out letters that involves me in data breeches such as Mail fraud, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX would like to know how to file for Relief Refund.
Product: Checking or savings account

Keep in mind these are posting dates - transaction dates occurred earlier. 

XX/XX/XXXX, clearing XX/XX/XXXX, Visa Debit purchase of {$33.00} XX/XX/XXXX, cleared XX/XX/XXXX - XXXX - {$1200.00} transferred to my WF checking account. 

XX/XX/XXXX, cleared XX/XX/XXXX - {$690.00}, sent XXXX through XXXX to XXXX XXXX in XXXX {$580.00} balance - XX/XX/XXXX, cleared XX/XX/XXXX - {$120.00} sent to XXXX  XXXX XXXX account ending in XXXX {$460.00} Balance On XX/XX/XXXX I attempted to send a package through XXXX by purchasing waybill online. Used WF Checking Visa Debit account. Transaction for {$180.00} rejected. Attempted transaction again with WF Visa Debit, for a slightly different XXXX service. Transaction for {$190.00} also rejected. 

However, WF put both transactions through my account, debiting both ( {$380.00} ) against my available funds. These transactions were ALWAYS pending- NEVER cleared. 

XXXX Opened a claim inquiry with WF - Reference Number : XXXX XXXX Email from WF saying that due to those charges from XXXX - my account was overdrawn for the {$690.00} transaction payment to XXXX - and an over fee would be assessed if I didn't fix it by XXXX ET on XXXX. 

XXXX - Overdraft fee of {$35.00} assessed against my account. 
XXXX - receive response from XXXX admitting their error. I forward this information to WF. 
XX/XX/XXXX - The two XXXX charges which were always pending, are dropped from my account. 
The improperly assessed overdraft fee of {$35.00} is not removed from my account. 
Email WF to complain - generic response - fee not removed. 
XX/XX/XXXX - telephone WF banker to remove overdraft fee - THEY REFUSE. 
XX/XX/XXXX - contact you at consumerfinance.gov
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

Consumer reporting agency is preventing me from obtaining a XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

my bank did a hard inquiry on me without my consent XX/XX/XXXX through CBC Innovis. i was not putting in for a loan or credit card. it made my credit score go down. i'm in bankruptcy right now which will be completed in 9 months.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax never responded. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

My brother recently passed away without a will. In order to be named as administrator by the surrogate court, I am required to provide a current statement from the bank.   XXXX  I spoke to GS Bank, provided all paperwork requested, and the bank has completely stonewalled me. Although the paper is only a paragraph, they have stated they can not help me without their legal department reviewing this and they will not give me a date when this will be completed.   XXXX  It has now be en 4 weeks,  I have called repeatedly, and I get the same response.
Product: Checking or savings account

I submitted a claim with USAA Debit Card Fraud Recovery Department and they investigated the claim and refunded me my monies fro months that beginning in XX/XX/XXXX through XX/XX/XXXX. I had informed them the fraud was from XX/XX/XXXX through XX/XX/XXXX. I was not informed until later that they could not report charges past 180 day or see my bank stamens past 180 day and was asked to submit my bank statements with other fraud charges. On XX/XX/XXXX after requesting for a letter confirming that I had fraud during XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX for one of my creditor. Did I receive a letter of apology of there miscommunication? And a request fir a affidavit to confirm charges on fraud that are the same fraud charges that their investigator already confirmed as fraud. Then on XX/XX/XXXX my mother received a harassing call from XXXX a CEO staff Officer from Ex XXXX, ( XXXX ) XXXX. He not only be little my mother by tell her to be quite, he started counting 123 to make her stop talking like she was a child. He told my mother that I was over my statue of limitation and that they would no longer handle my case and would not talk to her. I gave USAA autheration to speak to my mother little do they know my mother is my POA in all my banking, financial and insurance needs ( Legally. ) Then XXXX said he would call and speak to me my mother told him I was n't available. He hung up in my mothers face and went on to call me. Left me a message and had the nerve to call my mother back. The letter that XXXX XXXX clearly sates that they are working on the file and will get back with me at this time, I am requesting a letter from USAA stating that fraudulent activity occurred on my account from XX/XX/XXXX through XX/XX/XXXX by the merchants ( XXXX ). The Debit Card Fraud Recovery Department has investigated these merchants up to XX/XX/XXXX. The actual fraud began in XX/XX/XXXX and continued until noticed in XX/XX/XXXX. During that time I was under a hardship dealing with six family and friends XXXX XXXX and trying to coupe and manage being off at college and barely being able to come home and visit. Neither my mother nor I was able to actually manage and view my account during that time period. The hardest XXXX was my cousin who XXXX of XXXX XX/XX/XXXX and my Uncle who XXXX on XXXX XXXX XXXX. At this time Im respectfully asking for a formal letter to help me with my creditors. Today XX/XX/XXXX my mother received a call and was told I miss managed my account and thats why I 'm not going to have my insurance reinstated or my banking relooked at yet I mother put my insurance money in my account even month to make good on my account and the fraud happen every month.