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

I Just Recently Looked At My Credit Report Saturday, XX/XX/XXXX. I Saw Some Hard Inquiries That Did Not Have Permissible Purpose. 


XXXX. XXXX XXXX ( XXXX ) / XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of XXXX XXXX XXXX XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX ( Hotel And Travel ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX ( Hotel And Travel ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax early XX/XX/2019 to inform that after going online to dispute several issues with my credit report. I was directed to answering 4 questions to identify myself, none of the questions applied to me. The first two questions were regarding a loan, the following questions were the amount of the loans. I was locked out. I called for the two weeks, and finally got someone to look into the information. They were able to start an investigation on the items I needed to dispute. I've received the emails with the results of the dispute, however when I start the process of reviewing the results. I have to verify again, and the same issues arises. I can't be verified, through the email links. As of XX/XX/2019 I've sent several emails to the corporate contacts XXXX, XXXX, XXXX, XXXX. I was promised several times by XXXX XXXX, they would look into the matter to resolve it for me. I've sent more emails as a follow up and no one responds to my emails at all on this matter. My last follow up was to the President, XXXX XXXX on XX/XX/2019 and no response into addressing my concerns to get this matter corrected due to the inaccuracies on my credit report and several of the creditor verifying an account is mine. I'm in the process of purchasing a new home. I asked Equifax, what is the process of a creditor proving that a debt is mine? If they were required to show written or a signature of mine verifying a debt is mine and they stated, it's just a system that's used that says its my debt. I'm not clear, and I'm unsure if this is the correct way in which the process actually works. Any help and guidance you can provide in helping me to get this matter corrected would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I called to report that several unauthorized inquiries were listed on my credit report. After 3 phone calls with representatives that were heavily resistant to direct me to the fraud department and a total 120 minutes in waiting to reach someone they failed to assist me and remove these inquired after committing to help remove them. This is the opposite of XXXX  who helped me remove the inquiries in less than 4 hours. Its been 10 hours since my first Transunion call and nothing has changed.
Product: Credit card or prepaid card

I have reach Chase multiple times and no one seem to care or willing to help. In XXXX a charge was made to my credit card for {$3400.00}. I called XXXX and they were able to cancel the hotel room but not the airfare. Which meant that I was only going to be charge XXXX. Chase still charging me {$3400.00} that I consider fraud in Chase part. I have been getting late fees and interest charge of {$73.00}. They are charging me {$3400.00} plus interest charge of {$73.00} thats fraud. No one in Chase cooperate office care. I have send emails that XXXX send me and no one cares. Chase needs to fix this issues and rectify the interest charges as well as late fees since every time I speak with someone they say this is under investigation. Chase is just stealing money at this point.
Product: Debt collection

They stated they were trying to collect payment for an ambulance service and we were never in an ambulance or ever ordered one.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I reviewed my XXXX credit report and noted that there was a Charge-off account being reported by Macy 's XXXX 

I wrote to Macy 's on XX/XX/2022 requesting that they investigate, verify and validate what was being reported. ( See attached letter ) Macy 's response was not forthcoming and indicated that they could not comply to my request. They then had Citibank N.A. to send another letter informing me that they are no longer trying to collect on this alleged Charge-Off. 

I do not understand what is the problem with verifying an accoun that they've reported to the Credit Reporting Agencies, unless they realized that they are not able to comply with my request!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out an application online and I thought it was a bank. I applied for a loan. This company was a lead company and shopped my credit to several different banks/lenders. I have since received numerous emails about being denied credit. I just emailed their contact email to stop but have not received a response. I want them to stop giving out my information immediately and delete me from their database. Please help me get this resolved. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint again to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit card or prepaid card

I am a small business owner and have a business credit card with Bank of America. I rarely, if ever, use it as I moved to another bank years ago, and I have a new card at that bank. I haven't used the card in approximately two years. In the middle of XXXX, I received an email from Bank of America saying that I had a new credit card statement to review. It turns out that someone on the other side of the word was using my card. The first transaction was on XX/XX/XXXX for XXXX XXXXXXXX XXXX for {$160.00}. All of the purchases were made from XX/XX/XXXX to XX/XX/XXXX. [ I will list them all below ]. 

The current total balance as of Friday, XX/XX/XXXX is {$1200.00}. 

I reported to the bank on XX/XX/XXXX that the charges were fraud. I still had the card at the time. I took a photo of it, in case I needed it. They filed a fraud claim at that time. They also updated my card number. 

As of today, XX/XX/XXXX they are attempting to collect payment for the fraudulent payments. 

On Monday, XX/XX/XXXX, I called in to resolve this. I spent two hours on the phone going back and forth between two departments : credit card payments and fraud. Both were pointing the finger at one another. 

I was never given a tracking number to track my dispute. The experience has been awful. They continue to try to get me to pay for fraudulent payments for airline payments made on the other side of the world while a pending fraud dispute has not been resolved. 

sort byDate in chronological order sort byDescription in alphabetical order Type Expand Type of transactions sort byAmount in descending order Show additional information for activity type Fee {$13.00} XXXXXXXX XXXX XXXX Show additional information for activity type Fee {$13.00} XXXX XXXX XXXX activity type Fee {$13.00} Show additional information for activity type Purchase {$440.00} XXXX XXXX XXXX  XXXX Show additional information for activity type Purchase {$440.00} XXXX XXXX XXXX activity type Purchase {$440.00} Show additional information for activity type Purchase {$370.00} XXXX XXXX XXXX XXXX Show additional information for activity type Purchase {$370.00} XXXX XXXX XXXX activity type Purchase {$370.00} Show additional information for activity type Fee {$5.00} XXXX XXXX XXXXXXXX Show additional information for activity type Fee {$5.00} XXXX XXXX XXXX activity type Fee {$5.00} Show additional information for activity type Fee {$5.00} XXXX XXXX XXXXXXXX Show additional information for activity type Fee {$5.00} XXXX XXXX XXXX activity type Fee {$5.00} Show additional information for activity type Purchase {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Show additional information for activity type Purchase {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} Show additional information for activity type Purchase {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Show additional information for activity type Purchase {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00}
Product: Debt collection

The XXXX credit Bureau is reporting XXXX different credit scores on my accounts. This is due to misinformation of the XXXX credit Bureau. 

Absolute Resolutions has threaten to sue me twice. We went to court and the judge dismissed the case, yet they are still calling me. 

All other accounts have been paid but still reflecting negative. 
All of my XXXX  loans were forgiven but XXXX credit bureaus reporting it negative.
Product: Student loan

I have been with  XXXX   XXXX , now  Navient,  since I entered  XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX . I have been on a payment plan of {$1000.00} per month, but have been notifiied in a phone call In  XXXX  that I have had much more in interest applied to my balance than principal and that my interest rate would be 18 % in  XXXX . I apparently, after 20 years, still have a balance of over {$150000.00}. I did indeed have a forebearance/limited payment from a  XXXX   XXXX   XXXX  ' Degree I got  in  XX/XX/XXXX  from  XXXX  University, but that does not explain the exorbitant interest pending next year or the amount applied to principal being so much less than the amount applied to interest. I request the CFPBs assistance in settling this matter. I was told that summaries of my account-to-date information would be on my site, but have not been able to get access. Seems to be rejecting password and user IDs after several attempts. I would suggest that the CFPB contact Navient and request access itself.
Product: Credit reporting or other personal consumer reports

Re : Final Demand for Removal of Child Support Reporting on Credit Report To Whom It May Concern, This letter serves as my final demand for the immediate removal of the child support reporting on my credit profile from Equifax, Experian, and TransUnion. I have previously requested that this erroneous report be deleted, yet no satisfactory resolution has been provided. I hereby reiterate that I never authorized the child support agency to report information to your respective credit bureaus regarding this matter. Furthermore, there is no evidence to support that I gave any consent or agreement to allow such reporting. The reporting of this child support debt is
unwarranted, and its continued presence on my credit profile is harmful to my creditworthiness. I consider this to be an unlawful action that has caused, and continues to cause, tangible harm to my financial standing and reputation. Please note that 15 U.S.C. 1681 ( I ) ( 7 ) mandates that when a consumer disputes the accuracy or completeness of information on their credit report, the credit reporting agencies must investigate the dispute within reasonable time and provide a description of their reinvestigation procedure within 15 days of the consumer 's request. Your failure to act in accordance with these statutory obligations constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ).

I request the following immediate actions be taken : 1 Immediate removal of the child support reporting from my credit profile with all three credit bureaus.

2 Compliance with 15 U.S.C. 1681 ( I ) ( 7 ), including providing a detailed description of the reinvestigation procedures.

3 Compensation in the amount of {$3000.00} from each credit bureau for the violations under the FCRA, including failure to delete the disputed report upon my request and failure to comply with the legal reinvestigation procedure.

Please be aware that this letter is my final attempt to resolve this matter before I seek formal legal action, including filing complaints with the Federal Trade Commission ( FTC ), and potentially pursuing a claim for damages resulting from these violations.

I expect a written response from all three credit reporting agencies within 15 days of receipt of this letter, providing evidence of the requested removal and an explanation of your investigation process. Failure to comply will leave me no choice but to escalate this matter legally. Send all pdf files to the CFPB complaint portal and send check for monetary damages to XXXX XXXX XXXX XXXX XXXX XXXX PAYABLE TO THE ORDER OF : XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. In accordance with the Fair Credit Reporting Act section 605b, I demand that the following items removed from my Credit File without delay : XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Debt collection

I have a XXXX, XXXX XXXX XXXX, and I have used PayPal to process my credit sales transactions for over seven years. On XX/XX/2020, I noticed fraudulent activity on my account. I took immediate action to report it to PayPal in their system using email and messaging because they do not provide a telephone number to speak with a person. 
I have asked them to freeze my account and investigate these fraudulent transactions which appear to be money laundering. I have not received any feedback nor assurances that the company even recognizes the fraud. I have not closed the account because I want this to be resolved so they do not start a collection activity and ruin my excellent credit. 

The company has my account listed that I owe {$4500.00} as of XX/XX/2020. 

I can provide a PDF file of the fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 Comenity Capital ran a hard credit check on my account. 
I have never heard of Comenity, have not applied for a credit card, nor authorized this credit check I contacted XXXX and placed a fraud alert on my account and asked them to remove the check I attempted to contact Comenity Capital however was not able to reach someone who could help
Product: Prepaid card

This gift card can not be used at any retailer I have visited. Online or in person. 

It is activated. It has a balance. Yet it can not be used ANYWHERE. Even if Amex is accepted.
Product: Credit reporting

So XXXX XXXX XXXX XXXX is reporting negatively on my credit report. Got in contact with Equifax and told them that this company is n't to be trusted due to the inconsistency with this account. I filed a complaint with CFPB case number # XXXX against XXXX XXXX XXXX XXXX on XXXX/XXXX/2016 they finally responded on XXXX/XXXX/16 stating that they need a few more days. Today XXXX/XXXX/16 is the 61 day and they have yet to respond. I want this account removed from my credit profile immediately. I do n't have another 60 days for the credit bureau to reinvestigate. Everything that they need will be uploaded with this complaint. If the credit bureau ca n't get this item removed within 15 days of receipt of this complaint I have no other choice but to file litigation against them. 
Per XXXX. Procedure in Case of Disputed Accuracy Reinvestigations of Disputed Information 1. Reinvestigation Required - If the completeness or accuracy of any item of information contained in a consumer 's ( applicant 's ) file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Mortgage

The problem hasn't quite occurred yet, but I'm warding off trouble because I don't trust this company due to past experience. The company, Citimortgage, agreed to take {$5000.00} off the total loan after 5 years of on time payments and that will have occurred in two months - XX/XX/2019. I haven't heard how this will occur, but recently got a letter stating that my loan is being sold to another lender and I'm worried that this agreement will not be honored. I've misplaced their letter so I just today emailed them, through their website, asking them to send me another one and to call me between the hours of XXXX and XXXX XXXX at XXXX to assure me that they, or the new lender, will be honoring their agreement to take {$5000.00} off the total loan after 5 years of on-time payments which will occur in two months. I also requested the information in writing. I told them that if I do not hear that they will be honoring this agreement, how and when they will honor this agreement - in a timely manner, ie, by XX/XX/XXXXn - I will escalate a complaint to the Consumer Financial Protection Bureau forthwith. I decided not to wait till the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

On numerous occasions up to and including XX/XX/XXXX I have requested that the account be closed and the transactions not be paid. 

Unbeknownst to me, on or about XX/XX/XXXX and XX/XX/XXXX, over {$2500.00} was transferred from my personal account into the account that I repeatedly requested be closed. I will add that these accounts to and from which the funds were transferred were not linked, and the transfers were without my knowledge or consent, and therefore unauthorized. I am confident that a footprint of the account would substantiate my claims that these transfers were made by employees at the bank without my consent or knowledge. 

On XX/XX/XXXX, after no cooperation from the bank to honor my wishes, I was finally able to close my account. I have a recorded voicemail from my personal banker confirming such. 

Subsequent to the closing of my account, an employee and representative of Fifth Third XXXX XXXX, XXXX XXXX, instructed his assistant, XXXX, to reopen the account. I was made aware of this by another employee at the bank. How can an employee take it upon himself/herself to reopen an account when I instructed it be closed? Additionally, on XX/XX/XXXX, an inadvertent payroll deposit was allowed to be deposited to my closed account and the funds were kept and as of today have not been returned. 

When I reached out to XXXX he stated that well, mistakes were made but what was the damage? I can say with certainty that the damage is the {$2500.00} that they stole from me, as well as the additional {$620.00} in a payroll deposit also which was stolen and not returned. I have tried to resolve this with the bank directly by reaching out to the branch manager, XXXX, to no avail. Therefore, I ask that this please be addressed and this misconduct by the individuals employed by XXXX XXXX be looked into and see to it that my account be fully closed, and not reopened. Please also refund me the {$2500.00} in unauthorized transfers, as well as the {$620.00} deposit made on XX/XX/XXXX.