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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX & XXXX XXXX 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: Checking or savings account

WAS banking with since XX/XX/XXXX or so went out to get some food with my friends and my card declines. I go to my Chase mobile app to check my balance because I knew I wasnt even close to a negative balance and I see my account is locked. Its XXXX so COVID-19 hours are in affect. I call the number provided to me on the app and the agent tells me Chase is ending their relationship with me and is providing no explanation as to why. No illegal activity on my account, I collect UP just like the other thousands of unemployed Americans and my well-being is dependent on my account. Chase sent me no email, no warnings or correspondence in regards to my account being closed, so I couldve went weeks without knowing my account was closed. I feel like not only do I deserve to know why it was closed, I want my account back as well because I know nothing fraudulent has been going on, PLUS they also closed the accounts of my mother and my dad so were all out of luck. Count your days Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was 3 times where someone tried opening a credit card with my credentials. The accounts include XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXXXXXX on XX/XX/XXXX, and XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. I notified Transunion about the inaccurate credit report from the hard inquiries from opening but they did absolutely nothing to help me and it ultimately impacted my score negatively. 

Transunion is in violation of 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

I have asked National Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Mortgage

In XX/XX/XXXX I went on unpaid XXXX for giving birth to twins. I fell a couple of months behind on my mortgage and applied for temporary mortgage assistance. In XX/XX/XXXX I was placed on a forbearance for 3 months. I started a new job XX/XX/XXXX and in XX/XX/XXXX my forbearance was extended until XX/XX/XXXX and a plan was set up for me to make a payment every two weeks so that I would be current on my loan by the end of the extension. On XX/XX/XXXX I called to schedule the next payment for my mortgage and was told my loan had been sold to another bank. When I reached out to the bank they told me to call back after XX/XX/XXXX when they would be able to access my loan details. I called them on XX/XX/XXXX and was told that I was two months behind on my mortgage. I asked why my forbearance did not transfer with the loan and was told they don't have any record of me ever being on a forbearance and that they would be reporting a late payment on my credit report. This should not happen as I had a plan and a date to be current on my mortgage. They told me I would need to reapply for assistance with them and wait up to 30 days for approval, but even that would not stop the negative remark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

Company is still reporting on my credit report and according to New York State this is illegal they can not report after 3 years. This is not even my debt to begin with. I am looking to remove this immediately they have an amount of {$7100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are mutliple credit inquires that I didn't authorize. The same inquires were sent several times on multiple dates. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX IXXXX 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
Product: Debt collection

XXXX has sent an account to collections to be collected by IC Systems for a debt that is over XXXX XXXX XXXX and is not owed by me. I have disputed the validity of the debt for years and they keep reporting it as a collection on my credit bureau
Product: Money transfer, virtual currency, or money service

Cash app all took money unauthorized. There was no card on file for weeks I added a new debit card I got in the mail on my phone and wallet. 
Cash app repayment was missed and scheduled for the next Friday. 
I did not set up for XX/XX/XXXX. Regardless of missing a payment date. The next payment date was XX/XX/XXXX. 
There was no card prior before I added a card Thursday then Friday it takes money from that card in authorized.

I do not like that cash app can go into my checking account and take money unauthorized with no notification!

It says when I added my debit card I added money to pay the repayment when I never added anything. I just linked the card and closed the app. I did not set repayments nor did I select to pay on XX/XX/XXXX!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccessible Credit Report from Experian To Whom It May Concern, I am writing to file a formal complaint regarding Experian 's failure to provide access to my credit report and score to legitimate creditors. 

On XX/XX/2024, I contacted Experian to inquire why my credit report and score are not accessible to creditors. I pay for Experian 's premium service, which should ensure that my credit information is readily available to authorized parties. During the call, I spoke with an Experian representative and asked for a specific reason for this issue. Unfortunately, the representative was unable to assist me and transferred my call to a supervisor. During the transfer, the call was dropped. 

Additionally, I was informed that it would take XXXX to 5 days to resolve the issue, which is an unacceptable delay given the urgency of the matter. When I requested to be connected to the technical team to expedite the resolution, my request was denied. The representative also mentioned that only my account was affected but refused to explain why. 

I am extremely concerned that creditors can not access my credit report, as this XXXX adversely affect my ability to obtain credit. I have not placed a security freeze or fraud alert on my account, and there should be no legitimate reason for this restriction. 

I request that the CFPB investigate this matter and ensure that Experian provides a clear and accurate explanation for why my credit report and score are inaccessible to creditors. Additionally, I would like assurance that this issue will be resolved promptly to prevent any further negative impact on my creditworthiness. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX
Product: Credit card

I received a call from USBANK stating that the free Overdraft protection is not active on my account and they asked me if I want it activate, so I said yes ending the conversation with that. After, a couple of days I check my account and USBANK has made hard credit inquiry and have opened a new credit card without my permission. 
First of all they never told me that they are opening a new credit card They did not tell me, they were going to do a hard credit inquiry They did n't affirm my identity upon calling my phone number. 
I have also the recording of the conversation that I had with the USBank representative, where all I said was yes to overdraft protection.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Nevada XXXX XXXX XXXX ) XXXX XX/XX/2023 Dear EQUIFAX, XXXX, XXXX XXXX have XXXX this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( XXXX ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : {$3600.00} Party Owed : XXXX XXXX XXXX XXXX Amount : {$6200.00} Party Owed : XXXX XXXX XXXX Amount : {$520.00} Party Owed : XXXX XXXX Amount : {$440.00} Party Owed : XXXX XXXX XXXX Amount : {$690.00} Party Owed : XXXX XXXX Amount : {$67000.00} Party Owed : XXXX XXXX XXXX Amount : {$640.00} Party Owed : XXXX Amount XXXX {$2200.00} Party Owed : XXXX Amount : {$1100.00} Party XXXX : XXXX XXXX XXXX Amount : {$14000.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS DERAGATORY AND I AM REQUESTING FOR IT TO BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned item ( s ) to be deleted off my credit report. Enclosed may be additional evidence to support my claim. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed a few unauthorized inquiries that I have no knowledge of & also an account under collection. I am distressed that these were included in my credit the information below Inquiries : Unnathroized XXXX XXXX - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX  - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX - XX/XX/2023 Please remove from my credit report XXXX XXXX XXXX XX/XX/2023 Unauthorized XXXX XXXX XXXXXXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Collection Account : This following is not mine XXXX XXXX XXXX XXXX Opened XX/XX/2023 Balance - XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

There are things on my credit that I have already taken care of, and they have taken some things off of one reporting agency, but not the other ones.
Product: Checking or savings account

I have a savings account with Bank of America for several years now. It was the kind where you have to maintain a {$2500.00} dollars in it but, while away on vacation, my account went below that limit. 

In the past, I have had very good response from BoA and so I decided to call the company asking to, please, withdraw the fee as a courtesy since it was the first time in many years that this had happened. During the call I found out that, in fact, I was charged for two months EVEN THOUGH in my account web page ( which I have copied and attached ) I could only identify one month below the limit. At the end of that call, the representative said she could excuse one of the two {$12.00} maintenance fees imposed. 

For the whole year, this savings account has earned me XXXX cents in interests. By charging {$12.00} to keep the account, the bank is, in reality, going against the very definition of the word " savings ''. Furthermore, by not delineating clearly the balance levels in the account web page it is making it difficult for the account holders to defend themselves against the imposition of these maintenance fees. 

I have called the bank a second time but it has reaffirmed its decision not to withdraw ALL the maintenance fees and thus my plead to the CFPB to intervene on my behalf.
Product: Vehicle loan or lease

XX/XX/XXXX Applied for credit on Fordcredit.com to finance a vehicle through Ford Credit. 
XX/XX/XXXX At the Ford Dealership in XXXX, they should have been able to pull the original approved application from Fordcredit.com. Instead they pulled my credit on their own, even after I made sure to tell them multiple times that I didn't want my credit to be pulled again. I also did not sign any consent to my credit to be pulled by the dealership. 
XX/XX/XXXX Asked the dealership why my credit was pulled. They said because I authorized Ford Credit, they could do so as well. They said they would not request the inquiry be deleted from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Few weeks ago, I received a message from XXXX XXXX that I am eligible to apply for a personal loan at a very low rate. XXXX XXXX sent me a list of companies I can deal with and also stated, if I deal with these companies and my credit is pulled, " It will be a " SOFT '' pull and will not affect my credit ''. I called few companies to check on the offer and afterward to my surprise I have 13 inquiries on my credit report in which lowered my scores by almost 80 points. I never consented to anyone to use my account for a hard pull. I trusted these companies that they are legit and they are telling the truth. Unfortunately, this situation is preventing me from acquiring the needed loan. I do appreciate your involvement, your help and influence in correcting this issue with the credit reporting agencies. I thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file complaint to remove hard inquiry from my report due to error from XXXX XXXX XXXX XXXX They have sent request to remove credit inquiry from XX/XX/2021 but that is not done yet. Only XXXX have removed inquiry yet XXXX and Equifax did not remove it.
Product: Credit reporting or other personal consumer reports

I dont have knowledge for this account right now, XXXX XXXX XXXX  XXXX Late Payment {$12000.00}
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Demand for Compensation Due to Unjust Account Closure To Whom It May Concern, I am writing to formally demand compensation for financial and reputational damages caused by the abrupt and unjust closure of my accounts with Navy Federal Credit Union . Your actions have resulted in severe consequences, including financial hardship, damage to my credit standing, and emotional distress. 

Pursuant to 12 U.S.C. 5531 under the Consumer Financial Protection Act ( CFPA ), financial institutions are prohibited from engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ). Your failure to provide proper notice or justification for the account closures violates these federal protections. Furthermore, if you have reported any negative information to credit bureaus, this constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, entitling me to compensation for damages.

As a direct result of your actions, I have suffered the following damages : Financial Losses I was unable to access my funds, causing missed payments, overdraft fees, and financial penalties.

Credit Damage Any negative reporting due to the closure of my accounts has harmed my credit standing, making it harder for me to obtain financial services.

Emotional and Reputational Harm The sudden closure of my accounts has caused undue stress and embarrassment.

To resolve this matter, I am demanding the following : Immediate reimbursement of financial losses, including overdraft fees, penalties, and any related costs.

Compensation for credit damage if my score was negatively impacted.

A written confirmation that no negative reports were sent to credit bureaus or, if reports were made, their immediate deletion.

A settlement payment for damages caused by the account closure and distress.

If you fail to address this matter within 14 days, I will have no choice but to escalate my claim through legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing a lawsuit for damages under 15 U.S.C. 1681n and 1681o. 

Please respond in writing by [ XXXX 14 days from today ] to confirm your resolution of this matter. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting

EXPERIAN IS NOT REPORTING FCBA DISPUTES CORRECTLY ON XXXX ACCOUNTS THAT HAD FRAUDTHEY ARE REPORTING A BANKRUPTCY THAT DOES NOT BELONG TO ME ON A PROSPER ACCOUNT, THEY HAVE VIOLATED AND PUT FALSE INFORMATION BY STATING AS SUCH, XXXX ACCOUNTS HAVE BEEN CLOSED. I HAVE SUFFERED IRRPREABLE HARM. 
I AM BEYONG LIVIDI HAVE NO CREDIT REPORT AS SUCH THEY WILL NOT PROVIDE ME XXXX
Product: Credit card or prepaid card

I had made a payment online on My Bestbuy Citibank card on XX/XX/XXXX in the amount of XXXX. I checked online my balance on XX/XX/XXXX an noticed that my current balance was {$4100.00} and my available balance was {$800.00}. My credit limit is {$9300.00}. 
I called Citibank card and the supervisor was so rude and he said that my bank was holding payment. I told him he was lying because the payment was posted on my account on XX/XX/2022 They have denied a transaction, which is embarrassed. 
I have proof of the transaction showing the payment was posted on my bank account and the email I had received from the other company that my transaction from XXXX was declined.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : XXXXXXXX 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 I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.