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

I am formally requesting an investigation into Equifax for conducting unauthorized hard inquiries on my credit file without my consent. I have never signed any application or given authorization for these inquiries to be made. Despite multiple requests, Equifax has failed to provide any proof of my authorization for these actions, such as a signed application or a contract along with my valid drivers license. These unauthorized hard inquiries raise serious concerns regarding Equifaxs compliance with the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for accessing and reporting consumer credit information under 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may only provide a consumer report under specific conditions, including written consent from the consumer. Any violation of this provision not only breaches FCRA regulations but also subjects Equifax to liability. Here is a list of the unauthorized inquiries that have negatively impacted my credit score and financial standing : XXXX XXXX XXXX : XX/XX/year> & XX/XX/year> XXXX  XXXX : XX/XX/year> I have not provided any entity with the authority to access or pull my credit, and Equifaxs failure to comply with FCRA regulations has caused undue harm to my credit standing. Under the FCRA, Equifax is required to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute. I respectfully request that the CFPB investigate Equifaxs practices, hold them accountable for failing to comply with the law, and take immediate action to remove these unauthorized hard inquiries from my credit report. Additionally, despite my repeated communications, including sending notarized documents via first-class mail. Equifax continues to ignore my requests, subjecting me to ongoing psychological harassment through their unauthorized actions. I need verifiable proof of who initiated these hard inquiries, along with proof of identity, to confirm who authorized them. Please investigate this matter thoroughly and ensure that these illegitimate inquiries are removed from my credit file immediately.
Product: Student loan

Between XX/XX/XXXX-XX/XX/XXXX I was offered multiple times, by Navient, to enter into forbearance. I was never offered income-based repayment and never even knew it was an option. I have called Navient ( previously XXXX XXXX ) multiple times over the past few years to discuss repayment options, but I was never once informed that income based repayment was an option. I was also sent obscure " new document available to view '' emails which did not make clear that I was receiving a bill, and were often sorted into my spam box.
Product: Debt collection

In XX/XX/XXXX on my equifax.com report there was debt collection which I did not recognize. I disputed this debt with equifax. After investigation they stated it belong to me. I contacted the deb collector who informed me it was for XXXX XXXX in XXXX. I informed them that I have had continual insurance for 20+ years and provided them with my health insurer XXXX XXXX XXXX XXXX. On XX/XX/XXXX I filed a dispute again with equifax.com and provided equifax with my XXXX XXXX XXXX information. I let them know that I do not belive this debt is mine but if it is then they can bill my health insurance.. The dispute is still showing as PENDING INVESTIGATION today XX/XX/XXXX. I called equifax who informed me that that dispute is CLOSED and they filed a new dispute via phone. Investigation should take no more then 45 days. We are going in a loop with Equifax of filing same dispute in circles.
Product: Debt collection

i received a notice from the debt collectors that this bill is settled and they have not removed from my credit report..
Product: Credit card or prepaid card

There was fraud on my credit card in the amount of {$10000.00} I paid not knowing it was fraud they did the investigation and found it in my favor and told me on XX/XX/XXXX that the investigation was closed and I can ask for a refund for my over balance of {$10000.00} they told me it would take 12-14 days which is today on the XXXX of XXXX I spoke with the fraud team and they told me it was found in my favor and I can request my {$10000.00} refund I did now they are holding my money using it for new charges but wont issue me a refund for the {$10000.00} after they told me everything was done and my refund would be issued today XX/XX/XXXX I paid my mortgage my car everything because I was promised my refund now they are denying it making everything bounce in my account
Product: Credit card

Made a payment of {$13.00} to the Citi Bank Card on XXXX/XXXX/16 ( Have a monthly {$13.00} payment due every month from a recurring charge ) XXXX XXXX/XXXX/16 got a late payment fee of {$13.00} and a {$0.00} finance charge fee for a late payment. I never got the statement and put my account as a late payment. They would n't credit my account because they said that they credit my account last XXXX. Please investigate how often the statements get lost in the mail. I never got the statement. I pay my balance in full very single month. Why would I have a {$13.00} late fee on a {$13.00} charge? Also, wanted to make a payment of {$50.00} to them. so, I will not need to think about making the {$13.00} payment and just pay 3 months in advance. And they cant take payment higher than 7 %. I never got the statement.
Product: Credit card or prepaid card

I am a resident of New Jersey, currently in lockdown still from COVID-19. XX/XX/2020 I started a payment plan with Discover Card to get my credit card under control ( Before the pandemic grew to the size it is now ). On XX/XX/2020 a payment was automatically taken from my bank account from Discover. At this point I had lost my job from COVID-19 and I contacted Discover to get a refund and cancel the payment plan. They issued a refund check by mail and said ( in writing in their messenger section of their XXXX app ) that the payment plan would be cancelled. On XX/XX/2020 a payment in the form of an automatic check was sent from my bank account to Discover card. I immediately contacted Discover card over the phone and tried to get the money back and explained my situation. They said that there was no history of me asking for the plan to be cancelled and that it could not be cancelled. They then put my case in review. On Thursday XX/XX/2020 I received a call back from Discover. They said the money was not able to be refunded and that the plan was not able to be cancelled. They told me that in order to push back the upcoming payment in XXXX that I would have to call at least 3 days before hand. After this I contacted my bank where I found out that I could not stop the payment or get it refunded on their end because it was in the form of a check which they made out to Discover in my name. Discover had somehow set up a bill pay on my personal checking account that I can't even access to cancel or stop it from happening. This is ridiculous. I can't find anyway to stop these payments aside from hoping that if I call a few days before hand that they'll push it back a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of consolidating my credit score, Equifax just dropped my score by 43 points, when a week earlier I 've paid my balances and was expecting to have it raise. Besides the fact that I 'm a victim of the identity theft this company keeps hurting my future and present profits, through wrongfully calculated credit score. If a human would do that, they would probably be fired/sent to jail/ or had to quit their business, but as a soulless corporation it had no repercussions to suffer from their irresponsible, criminal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, XXXX XXXX ACCT : XXXXhas violated my rights.

15USC 1681 SECTION 602 STATES i have a 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 OPEN END consumer credit plan as LATE for any purpose.
Product: Debt collection

I never resided at the place that Transworld collection agency is representing which is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX Experian 's National Consumer Assistance Center XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, I, XXXX XXXX am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below. 
XXXX XXXX The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation.

I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report.

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a notification on my credit file showing a fraudulent account reporting with APPLE CARD XXXX XXXX XXXX Im a victim of identity theft, I have no knowledge of this account nor any involvement with APPLE CARD XXXX XXXX I disputed this fraudulent account with the credit bureaus, attached a ftc identity theft report, and police report showing that Im a victim of identity theft. The credit bureaus informed me that they sent the dispute with the documents to this company. I have neither engaged in business transactions with them nor entered into any agreements. Hence, it is unjustified for them to report a fraudulent account that I have no knowledge of. This situation infringes upon my rights as a consumer, as outlined by the FCRA and FDCPA. Im attaching my current ftc identity theft report and police report to this complaint which show evidence that I'm a victim of identity theft. I filed a complaint with the bbb and my ftc identity theft report was NOT ACKNOWLEDGED. This company is still saying that this fraudulent account is VALID and are trying to make me liable for this fraud account. When a ftc identity theft report or police report is sent to a company from a consumer it validates the identity theft that the consumer is reporting. An FTC Identity Theft Report is a document generated by the Federal Trade Commission ( FTC ) that allows victims of identity theft to officially report the crime, enabling them to dispute fraudulent activity with businesses and credit agencies ; it is essentially a legal document that can be used to prove identity theft and is created online through the FTC 's website, with the authority stemming from the " Identity Theft and Assumption Deterrence Act '' which outlines the procedures for reporting identity theft to the FTC. Therefore this company is in violation of my rights per the FCRA, FDCPA, and the Identity Theft and Assumption Deterrence Act. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. According to the Fair Credit Reporting Act ( FCRA ), when filing an FTC identity theft report, you have the right to request that credit reporting agencies block fraudulent information on your credit report related to identity theft, and businesses are required to provide you with copies of transaction records related to the fraudulent activity upon receiving a copy of your FTC Identity Theft Report ; essentially allowing you to dispute and remove inaccurate information stemming from identity theft. When a company receives evidence that you are a victim of identity theft, they are legally obligated to remove the fraudulent account from your credit report ; if they refuse, you can file a dispute with the credit bureaus and potentially take legal action under the Fair Credit Reporting Act ( FCRA ). If this account is not taken out of my name asap, I will be putting this company in litigation for violating my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference 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 accounts 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 these 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: Debt collection

Hello and thank you for your services, I'm contacting you with some trouble that I'm having with XXXX XXXX XXXX from an urgent care facility that has since been turned over to a law firm that the collection was sent to. First and most importanly, this bill was not acquired by me but someone else who apparently stole my wallet and/or information to open this account.and secondly they have charged my credit 2 times in the same day for the same service but a {$1.00} difference between the two amounts owed and seperate account numbers, so I'm assuming they double billed me for services rendered in my name.And the third problem I have is its supposed to be illegal for them to pay a collector to come after me, and the third problem is medical is not supposed to be on my report.I super appreciate your help and expertise you can offer. 
Sincerely : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM WRITING IN REGARDS TO THE ERRONIOUS AND INACCURATE ACCOUNTS BEING REPORTED TO MY PROFILE, IVE DISPUTED THESE ACCOUNT LAST MONTH TO NO AVAIL I STILL HAVENT HEARD ANYTHING FROM THE COMPANIES IN QUESTION WHICH CONCERNS ME ABOUT THE CONSUMER LAWS THATS NOT BEING GOVERN THAT THESE COMPANIES SWORE TO ABIDE BY. UNDER 15 USC 1681 ( CONGRESSIONAL FINDINGS ) CLEARLY SAYS THAT ALL INFORMATION REPORTED MUST BE 100 % ACCURATE AND ITS NOT.
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: Credit card or prepaid card

I used my COSTCO CITI CARD to give a tree surgeon an $XXXX  deposit to remove a tree from my house.  CITI CARD then allowed him to fraudulently place an additional $XXXX  on my card without my agreement, knowledge orauthorization.  I had no idea nor did I sign or even give verbal authorization regarding any price for this transaction. XX/XX/19.    Tree falls on my house due to tornado.XX/XX/19      I make a claim to my insurance company- they direct me to remove tree. I call XXXX  XXXX  XXXX for quote.  He says he will proceed with $XXXX  deposit, which I authorize.I advise him that insurance adjuster has to decide on balance, he agrees and says he understand how this works. XX/XX/19.   XXXX  removes ONE tree. He some how charges my CITI CARD $XXXX  that SAME DAY.  CITI would later tell me they thought it was ok, since he had my number.I try and explain to them their error- they seem clueless, but always agree with my position of fraud for this unauthorized charge.When CITI CARD statement arrives in XX/XX/XXXX, I   immediately file a disputed charge with them.  They accept my complaint and agree. They even cancel our card because they say the fraud is so serious, the amount so high.  No one at CITI can explain how this large amount was processed without any authorization from the card holder, me.I receive a request for additional information from CITI.  I DO NOT EVEN HAVE a bill to give them.  XXXX  XXXX  has  stopped answering my calls or texts.He has fraudulently taken my money.  If you look him up on XXXX, there is someone complaining he has done the same thing, for $XXXXOn XX/XX/2019 I finally get a text message from XXXX  with an invoice.  This invoice is totally false, with men and equipment listed NEVER at our property.  I have pictures and a adult witness at the scene.XX/XX/2019.  CITI CARD accepts my dispute and freezes my account.XX/XX/2019. I receive a request from CITI CARD for more documentation.XX/XX/2019.  I sent them all above information.  They tell me my complaint is so serious I have been moved to the Presidents Office in South Dakota.  I hear from XXXX  XXXX,CITI CARD, XXXX in early to mid XX/XX/XXXX.  She states she will get back to me no later than XX/XX/2019 with information regarding the CREDIT to my account.That day passes with no contact- I begin to call her every other day from XXXX to the present.  I receive no call backs -ever. On XX/XX/2019 I receive a letter from CITI rejecting my dispute.After all this time and stalling, CITI CARD has decided to help this vendor perpetuate this fraudulent transaction.  I am totally frustrated and respectfully seek you help.XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. I have filed a police report, Ftc report and request that the information be removed from my credit with no response or removal
Product: Credit reporting

I 'm opening up an complaint with Experian credit reporting agencies due to the fact that they failed to investigate my complaint on my credit report. Reinvestigation Required I have sent Experian documents via Certified mail of proof that i was Not late with XXXX credit card But they refused to investigate My claim after sending Experian Proof that I paid XXXX the Months that they are reporting that I was late. Per the FCRA ( A ) ( B ) ( C ) experian is required by law to investigate my complaint. I have filed complaint with The Minnesota Attorney Generals Office as well about this complaint as Experian has ruin my good name and reporting Negative and false information about me I 'm aware that Reporting agencies are just trying to make money off of consumers like myself reporting false information I will Not allow you to ruin my good name. Experian I 'm going to ask you One LAST AND FINAL time to invesitgate late payments with XXXX account number XXXX I have sent you bank statesments for my proof of payment I asked that you contact All if your sources that you used to verify this and send to me in writting how they verified the late payments You have copies on file at your office as we speak of proof that I paid and I expected you to send me Proof in writting via US MAIL. I 'm full aware of you not even during what the law require you to do so I 'm asking you if you can not provide me what I 'm requesting please have those negative late payments removed from my credit file or I will take full legal action againist your company I 'm fed up with the run around. 
Also I have sent you a copy of a police report on XXXX XXXX you have failed to investigate that which is also aginst the law. you need to follow the law and do what the law require your company to do. Like I said I havew file complaint with Minnesota attorney general office about this as well. next step i will hire my own personal lawyer and sue you for as much as the law req. THIS WILL BE MY FINAL NOTICED TO YOUR COMPANY BEFORE TAKING ACTIONS! 
THANKS XXXX XXXX
Product: Mortgage

I had a XXXX mortgage on a property that had a first mortgage held by Greentree/ Ditech XXXX I forclosed on the XXXX mortgage on XXXX XXXX the foreclosure waswas subject to making payments on the 1st mortgage. I have beenharassed by Ditech debt collectors. I can document that on XXXX occasionsthey received by Fax information from me showing I was the ownerof Record and that I needed information on the mortgage in order tomake the payments. They have never sent me information on thepayment amount/ balance amount etc. The payment amount keepschanging and they call me and tell me I am " late '' in paymentsbecause I did not send in the correct amount.They are adding feesand penalizing me and yet will not give me information on the amountof payment necessary. They harass me constantly by calling severaltimes a day. All they need to do is send me a statement outlining thepayment amount and interest rate and notify me if there is a change. 
The Ditech reps are rude and despite my asking have not sent meany information. I consider them abusive in their practices. I did seewhen I XXXX them that there was a {$48.00} XXXX judgement againstthem for unfair collection practices. If you can suggest a remedy Iwould be glad to try anything at this point. XXXX XXXX XXXX