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

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX placed derogatory untrue statement on TransUnion credit report on XX/XX/18. Has incorrect billing information that belongs to another person. Debt does not belong to XXXX XXXX XXXX XXXX.
Product: Credit reporting 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
AXXXX 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
Product: Debt collection

Receiving repeated calls from the following number : XXXX. They call at least twice a day and often more times than that. A check on XXXX show that the number is connected to a company called Midland Credit Management.
Product: Credit card

On XX/XX/XXXX a booked a room at a hotel in XXXX XXXX, XXXX XXXX. Two days later, the hotel charged me a second time for the same room. I contacted both the hotel and the credit card company to indicate that I had been incorrectly charged twice for the same hotel room. After many, many calls to the credit card company and the hotel, the credit card company ended up reversing both charges in XXXX, but then reversed the credit in XXXX charging me for the room, although I had cancelled the reservation due to all of the issues I was having. In talking to the hotel, they said they would be happy to cancel the reservation or issue a refund, but that they never received the payment from Citibank. Citibank can not seem to understand that I should not be charged for the hotel stay because the reservation was cancelled. They insisted that I pay the charge in my XXXX statement and that they would issue a credit when the issue was resolved. I recently received a letter from Citibank stating that the issue was resolved and that I would NOT be receiving the credit, even though I didn't stay there and the hotel never received a payment from Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not operated within the parameter set in the Fair Credit Reporting Act which in pursuant to Fair Credit Reporting Act 1681i ( a ), the XXXX that receives the dispute must conduct a reasonable reinvestigation of the dispute in regards to XXXX Account XXXX. Experian has not conducted a proper investigation. The initial investigation was took well beyond the 30 days allowed in the FCRA. My initial disputed stated that XXXX Account XXXX had also violated by rights under the FCRA which states in Section 604 A Section 2 : a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Initial notification to bureau about dispute : XX/XX/2022 Bureau closed dispute on : XX/XX/2022
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before, Accounts and bogus inquiries. 

This address was used to open accounts in my name : XXXX XXXX XXXX, XXXX These are the accounts in my name that stems from the identity theft : LA XXXX XXXX XXXX ACCT # XXXX {$37000.00} XXXX XXXX ACCT # XXXX XXXX. {$37000.00} These are the inquiries that are fraudulent on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer FICO credit report now contains a fake address as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus address. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned address that's listed on my consumer credit record that you maintain. The address listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX and XXXX police report # XXXX ) as official documentation from the US Federal Trade CommissionXXXX XXXX demonstrating that the address, Accounts and Inquiries listed above are all the product of fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Goodmorning, last month XX/XX/XXXX I sent over that I was a victim of fraud, multiple accounts are not suppose to be on my account, according to the FCRA you have 4 days to block and remove these accounts from my credit report, this is unfair. I was a victim of a data breach and that situation has put many problems in my life. As a consumer I should feel protected not feeling the pain of the wrongs done to me. I am attaching the FTC report and affidavit again with proof of my identity with my license. This is effecting my family in a very negative way. Please follow the rules that was set to help our consumers, I know we are in a epidemic but you must act as soon as you receive this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  -fraudulent  XXXX   XXXX   XXXX - XXXX -fraudulent  XXXX   XXXX  fraudulent    XXXX   XXXX    XXXX -wrong in formation never late account in forbearance.
Product: Credit card or prepaid card

I recently applied to a Chase Sapphire Preferred credit card. I received a letter that I was denied due to active credit limits, which makes absolutely no sense. I have a XXXX credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I am planning on traveling and I believed Chase Sapphire is the right choice for myself. I have other credit cards with them and as a loyal customer to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry and they can reconsider. I would be happy with the credit card for its travel perks and wanted to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I demand a response and a resolution. Thank you.
Product: Mortgage

After multiple calls my homeowner 's insurance information is still incorrect with Nationstar. I have provided the information multiple times and have called several times trying to correct everything. Now I have been sent a 2nd and final notice of force place insurance if I do not update my insurance information. According to customer service representatives my information has been up to date and force placed insurance will not occur. However, the final notice letter was sent AFTER my account was supposedly updated. Luckily I am an educated borrower who works with mortgage compliance on a daily basis. Therefore, I know what I am looking at and understand what needs to be fixed. An attachment is included to further detail all the issues I have had in the past 6 months specifically detailing the issues still left unresolved ( shown below ) and what I have done to attempt to correct them. 
The current issues with my account are as follows : 1. Nationstar is trying to force place insurance on my mortgage in which they have insurance information on file. 
2. XXXX should be reflected as paid on XXXX/XXXX/16 in the amount of {$1400.00} not on XXXX/XXXX/16 in the amount of {$2600.00} as that is the amount that was incorrectly paid to XXXX XXXX 3. My online account still reflects my next MIP payment to be XXXX/XXXX/16.
Product: Debt collection

XXXX XXXX  Credence : XXXX XXXX  : XXXX XXXX in XXXX XXXX, CA provided me an ambulatory ride on XX/XX/XXXX to the emergency room. During that ride, ambulance staff did not request any form of identification or insurance. In hospital care, I provided my insurance information, which included full coverage of medical transportation. XXXX did not contact me during anytime between XX/XX/XXXX - present about the charge before submitting the bill to debt collections. 

On XX/XX/XXXX, I received a phone call from XXXX about a bill in debt collections for {$3500.00}. On the same day, I called XXXX about the charge and they told me that they sent me a bill to the location they picked me up, which was a student address. I was no longer living at the address at that time. After that call, I called my insurance and they reported that they never received a bill or claim for an ambulance ride either. At no point did XXXX attempt to contact the hospital or me to get this information. 

On XX/XX/XXXX, I called XXXX with my insurance regarding the bill and inquired if they can submit a claim to the insurance. They said that they can not submit the bill due to " timely filing '', and they will need my insurance to send a " timely filing waiver form '' and can not guarantee that they will bill my insurance. They also told me that this request will also take XXXX days to process with no guaranteed outcomes. 

To this date, I have not received a single document about any charge. I have requested XXXX and XXXX to send information to my home address on XX/XX/XXXX and XX/XX/XXXX, respectively.
Product: Vehicle loan or lease

This loan was paid off two months ago yet I have not received my title or any correspondence.
Product: Mortgage

On my previous home refinance, Wells Fargo home mortgage recorded documents on the sales incorrectly, putting in their document the wrong page and numbers on the Deed of Release, dated XX/XX/2011. 

Per our Title Agent, the data entered by Wells Fargo was : Book XXXX, Page XXXX The correct information is : Book XXXX, Page XXXX This error by Wells Fargo is now impacting my upcoming home sale closing date. This is a mistake I was entirely unaware of, and now Wells Fargo admits the error but says it will take 20 days to correct. This error by Wells Fargo with a lack of timely correction will have a financial impact on both me as seller and the prospective buyer of the house.
Product: Credit card or prepaid card

I have been enrolled in a Payment Safeguard Program from Citi Bank without my content. I have never enrolled in such program nor agreed to via telephone or written.
Product: Credit card or prepaid card

After closing my account comments bank pulled my credit on XX/XX/XXXX without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX is reporting inaccurate info on all XXXX of my credit reports ( XXXX, Equifax, XXXX ) XXXX The account has been paid off and the third party collection agency has deleted their trade line from my credit report. The creditor has agreed to remove this charge off from my credit reports but it is still reporting each month. I have disputed this account through each of my credit reporting agencies but they all validate the data with no changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have in my credit a 30 day late in XX/XX/2019 XXXX ACCOUNT # XXXX.I already dispute and nothing happen.The information is incorrect .Im not late.
Product: Mortgage

Hello, I worked for a mortgage lender, XXXX XXXX XXXX, NMLS # XXXX from XXXX - XXXX and from XXXX - XXXX. On XX/XX/XXXX they furloughed me when I had a 67 loans in process. I asked them to pay me for my loans, and they refused. I was even willing to accept a {$15000.00} lump sum for my loans which would have paid over {$40000.00} had they not furloughed me and Impac became very aggressive and cruel with me. Their legal department made threats and accusations against me and even tried to get me fired from my job at Owning by reaching out to the owner of Owning and requesting that he fire me. This company is very shady and I do not want them to get away with what they did to me and many other employees. Furthermore, they need to compensate me for the loans they never paid me for. Please see the attached emails between myself and Impac 's HR and counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REINVESTIGATION, 14 accounts are still being reported by EXPERIAN with an UNKNOWN STATUS. The account names are Department of Education/XXXX XXXX -- there are 14 of them with the same account numbers, i.e., XXXX -- may even be duplicates. 

The other one is XXXX, Account # XXXX with an Status Unknown. 

The continued reporting of " DISPUTED UNVERIFIABLE INFORMATION '' after SEVERAL reinvestigations WITH AN " UNKNOWN '' STATUS, violates the FCRA and [ 15 U.S.C. 1681 ] as it states : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Product: Payday loan, title loan, or personal loan

After losing my job and having a hard time making payments on the loan I received from Opploans ( which was 160 % apr ) they started calling me nearly every day and also calling my family members. It got even worse when they started calling me on Sundays at XXXX XXXX. Which is against the federal regulations of debt collection practices. I will be filing suit.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft. Per the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report.

I have included documentation supporting this request, including a police report and/or an FTC Identity Theft Report. 
XXXX Accounts XXXX. XXXX XXXX XXXX - Account # : XXXX - Reported : XX/XX/XXXX - Amount : {$340.00} XXXX. XXXX XXXX XXXX - Account # : XXXX - Reported : XX/XX/XXXX - Amount : {$24000.00} XXXX. XXXX XXXX XXXX - Account # : XXXX - Reported : XX/XX/XXXX - Amount : {$400.00} XXXX. XXXX XXXX - Account # : XXXX - Reported : XX/XX/XXXX - Amount : {$1100.00} Fraudulent Inquiries XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Consumer Loan

I WAS QUOTED 35% FOR A LOAN. FROM LOAN ME. ONCE I GOT THE LOAN I RECEIVED LETTER STATING I WAS GOING TO BE CHARGED 85%  BECAUSE OF MY CREDIT HISTORY. MY PAYMENT WAS DEFERRED UNTIL XX/XX/XXXX.  TO CHARGE ME INTEREST AT 85% ON THE FULL AMOUNT.  IS TH IS LEGAL?  IF I PAY THE LOAN OFF ACCORDING TO SCHEDULE I WILL PAY XX/XX/XXXX ON A XX/XX/XXXX LOAN.
Product: Credit card or prepaid card

I have a capital one 360 checking account with an attached line of credit for XXXX, so essentially the account functions like a credit card. 

The running ledger balance ( displayed by cap one ) shows a positive balance of XXXX yet it shows my available balance to be XXXX. I am pretty confident that the first balance is correct, yet when calling and chatting with Capital One they refuse to hear me on the balance and they keep stating that its an issue they are aware of, but then proclaim that my balance is indeed XXXX and basically brush me off. 

It boggles the mind that this day in age a financial institution of their size can not accurately keep track of balances. This balance discrepancy has shows for weeks now but I only had time to call them today. 

They are either unwilling or unable to give me my accurate balance. Why anyone let them buy XXXX XXXX  is beyond me. 

This company is openly stating that this is a problem with their system, yet in the same breath proclaim that the available balance is correct. They are a walking fraud! 

They are telling me now, that I have to wait 25 days for them to respond with my correct balance.
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of identity theft. Several fraudulent accounts and unauthorized credit inquiries have been identified on my credit report. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I formally request the immediate blocking and permanent deletion of the following accounts and inquiries : Fraudulent Accounts : XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX/XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Unauthorized Credit Inquiries : XXXX. XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

My son 's account is linked to mine he was sent 2 checks online and did not know they where fraudulent. On XXXX, In large amounts. The bank allowed all the money to go to a person via XXXX that we have No idea who it was, the verynext day, then took all my sons money and now is charging him for those checks and the XXXX  that they allowed to go out on a fraudulent check. 
The bank fixed it then took the money back, fixed it again, then took it back again a month later, then took our back Again a month later. They did this a three times. Now are revising to fix it, I have called so many times. I have all the letters and copies of the checks and XXXX. This has been going on, trying to fix it for months and now they refuse, when it it there fault to let money go out to a random pertain via XXXX, on a bad check.