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

I am rewriting to EQUIFAX follow up on a previous complaint regarding fraudulent and unauthorized hard inquiries that continue to appear on my credit report. Despite my prior communication, it seems that no action has been taken to address this alarming issue. These unauthorized inquiries remain unresolved, causing significant harm to my credit reputation and ongoing distress. As detailed in my Federal Trade Commission ( FTC ) Identity Theft Report, reference number XXXX, I have never authorized the companies responsible for these hard inquiries to access my credit report. These inquiries were made without my consent or knowledge, constituting a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires credit reporting agencies to ensure that all information included in a consumers credit report is accurate and authorized. EQUIFAXs failure to remove these fraudulent inquiries after being notified of their unauthorized nature violates its legal obligations under the FCRA, including the duty to investigate disputes and verify the accuracy of reported information. I respectfully request that EQUIFAX take immediate action by conducting a thorough investigation into the unauthorized hard inquiries identified in my credit file. These inquiries must be promptly removed, as they lack proper authorization. Furthermore, I ask that you provide written confirmation of your findings and detail the corrective actions taken to ensure compliance with the FCRA. Please treat this matter with the urgency it deserves. If EQUIFAX fails to address these inaccuracies within the legally mandated timeframe, I may be forced to escalate the matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies to protect my rights under federal law. Thank you for your attention to this serious issue. I trust that EQUIFAX will fulfill its obligations under the FCRA and take the necessary steps to resolve this matter promptly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX jacked up my interest rates for unjust cause XX/XX/XXXX wiped out all my statements off line, when I disputed the interest rates after discovering this XXXX XXXX tried to say I reported my card lost or stolen which I did NOT DO. THEY DELETED THE OLD ACCOUNT NUMBERS AND ADDED NEW UNFAVORABLE TERMS AND CONDITIONS ON MY CONSUMER REPORT. AFTER TRYING TO MAKE A GOOD FAITH PAYMENT XX/XX/XXXX. XXXX XXXX refused my payment after holding it for a business week. Returned the uncashed check to me and reported to the consumer reporting agencies XXXX XXXX and Experian that I was late in XXXX which I had already filed in Arbitration with XXXX. End of XX/XX/XXXX. They closed my account reported 180 days late and charged off the account and reported the account was reinvestigation complete by furnisher XXXX XXXX which was not and is still in dispute with Arbitration and Federal courts. But they still refuse to correct the inaccurate information that they report for over two years in dispute and refuse to correct or fix the lies and incorrect, inaccurate, incomplete information on my consumer reports. This is a travesty of injustice and misleading and should never have gotten to this point as the CRA s will not look into any furnisher or subscriber of theres to fix or corrects this matter of inaccuracies. They need to be punished
Product: Debt collection

Portfolio Recovery has been reporting time-barred accounts on my credit past my states statute of limitations of 5 years. I also never received a validation letter upon request from my last dispute on them.
Product: Debt collection

LVNV Funding filed a lawsuit stating that I owed them a debt without providing a signed contractual agreement between me and LVNV. I requested this information but never received it. Also, LVNV has committed Identity theft by using personal information without a SSA-89 signed Authorization Consent Form .
Product: Mortgage

I refinance my house on  XXXX   XXXX ,  XXXX  and opened mortgage with Quicken Loans. My monthly payment on 30 years fix interest loan was  XXXX  On  XXXX   XXXX ,  QL a gainst my knowledge and my wishes created an Escrow account that is attached to my 30 years mortgage. Since  XXXX   XXXX  I made over  10 re quests to close  XXXX  account.  QL  refuses multiple requests to close escrow account unless I apply for new higher percentage loan.   On  XXXX   XXXX ,  XXXX  I made regular ( on tim e ) pa yment for loan at the amount of  XXXX .   Instead of accepting payment as expected , QL pl aced my payment in Suspense, because they charged me {$1600.00} on  XXXX   XXXX ,  XXXX  ( for duplicated home insurance ) and then refunded - {$1600.00} on  XXXX   XXXX ,  XXXX  after I complained. But  QL  kept my payment in suspense ignoring phone arrangement to provide total amount own on escrow until  XXXX   XXXX ,  XXXX  when I was charged for late payment. At that time I was promised refund for late payment since record show that I made payment on ti me (   XXXX   XXXX ,  XXXX  ). Later QL loan also ignored that arrangement. And on  XXXX   XXXX , they charged me  XXXX  even though payment history ( attach ed ) sho ws on time payment, written chat conversation shows the request to provide escrow amount.
Product: Debt collection

HalSted : please stop all emails, calls, mail to me in reference to a credit debt with XXXX, ASAP! 
This is an old account that was addressed and resolved years ago with XXXX and XXXX credit card with commentiy capital bank. 

Any further contact on this bill, please contact your XXXX representative directly. You can also contact CFPB, as this issue was reported through to them, at time of issue and XXXX and their XXXX credit card XXXX XXXX XXXX, CHOOSE to did nothing to fix the fraud on my acct. 
All items I purchased through XXXX, were paid for in full during 1st month of order. XXXX XXXX XXXX XXXX credit card, chose to NOT to apply full paidments to my accts. XXXX refused to talk to me and and XXXX XXXX XXXX would do nothing to fix my account, refuse to send a copy on my acct to me, assign a rep. to review my accts ... ... on and on. This bank was reported to CFPB then, and all reports are public repord. Bank did not nothing to fix my acct. I CAN NOT make bank pay XXXX. 

I have over 10 complaints for XXXX XXXX XXXX XXXX credit card, for abuse of my account. XXXX was not interested in the problems then and did nothing. THIS ISSUE IS RESOLVED, as XXXX selected this bank to manage XXXX consumers accts. XXXX contracted with this fraudulent bank, this issue is now between XXXX and bank. 

Halston educate yourself with XXXX XXXX XXXX thru CFPB. This bank was/is found to be a major fraudulent bank, FACT, and has taken money for thousands of consumers. Stopped all contact with me on this bill. XXXX stop all attempt to post this false debt on me. XXXX your issue is with bank you contracted with, NOT ME. TAKE responsibility!
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 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 XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9400.00}, XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$11000.00}, XXXX XXXX Owed : {$6200.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$930.00}, XXXX XXXX Balance Owed : {$12000.00}, XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy chapter XXXX was filed and discharged since XXXX XXXX XXXX and still showing in my credit report. 
As a chapter XXXX should be out of my report in seven year, as XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

XXXX/XXXX XXXX XXXX Inquiry : XX/XX/2020 XXXX XXXX Credit Inquiry from XX/XX/2020 XXXX XXXX, XXXX. 
Inquiry from XX/XX/2020 XXXX
Product: Checking or savings account

On XX/XX/year> check for {$3100.00} was mailed to medical provider for procedure in XXXX. On XX/XX/year>, XXXX informed consumer that they didn't receive payment for the bill. The check was stolen ( in the mail or unknown location ), and alerted from legit XXXX  XXXX XXXX XXXX XXXX to unknown individual ( XXXX XXXX ). The check was cashed by XXXX XXXX XXXX  in XXXX VA by above individual. 

This consumer requested reimbursement from the JPMorgan Chase Bank , N.A . Request was denied because the time frame to request reimbursement has passed.

Unfortunately, this consumer was not aware about forged check being cashed. It is known to consumer now that it should be reported to JPMorgan Bank, N.A. within 60 days. 
However, since the check was so obviously alerted on the payee line, consumer feels that Chase Bank should take some responsibility for cashing forged check.

Consumer is retired and unable to pay her medical bill due to negligence of JPMorgan Chase Bank , N.A .
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing the accounts. I've contacted the company, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the account. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite my previous claim to Experian, I remain stuck. They are alleging that the documents I've provided are inadequate. It appears Experian is failing to fulfill its legal obligation to process the identity theft report eventhough the company already removed the account from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to remove fraudulent inquiries after numerous attempts to get them taken off. I submitted serval disputes. I have faxed a FTC identity theft report, I have faxed a detail letter requesting the removal. I also faxed a copy of my driver license and social security card to validate my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVY FEDERAL IS A CURRUPTION INSTITION THAT CALLED MY JOB NUMEROUS TIMES. THEY CUT OFF MY DEBIT AND CREDIT CARD NUMEROUS TIMES. THEY ARE IN VIOLATION OF THE SAILORS AND SOLDIERS ACT SAYING I OWE MONEY THAT I DONT. I HAD A SECUR3D CREDIT CARD AND THEY SAY I HAVE A BALANCE. HOW IS THIS EVEN POSSIBLE. THIS BANK IS XXXX AND HAS A DISTAIN FOR ALL XXXX PEOPLE. 

Falsely threatened legal action and wage garnishment : The credit union sent letters to members threatening to take legal action unless they made a payment. But in reality, it seldom took any such actions. The CFPB found that the credit unions message to consumers of pay or be sued was inaccurate about 97 percent of the time, even among consumers who did not make a payment in response to the letters. The credit unions representatives also called members with similar verbal threats of legal action. And the credit union threatened to garnish wages when it had no intention or authority to do so. 
Falsely threatened to contact commanding officers to pressure servicemembers to repay : The credit union sent letters to dozens of servicemembers threatening that the credit union would contact their commanding officers if they did not promptly make a payment. The credit unions representatives also communicated these threats by telephone. For members of the military, consumer credit problems can result in disciplinary proceedings or lead to revocation of a security clearance. The credit union was not authorized and did not intend to contact the servicemembers chains of command about the debts it was attempting to collect. 
Misrepresented credit consequences of falling behind on a loan : The credit union sent about XXXX letters to members misrepresenting the credit consequences of falling behind on a Navy Federal Credit Union loan. Many of the letters said that consumers would find it difficult, if not impossible to obtain additional credit because they were behind on their loan. But the credit union had no basis for that claim, as it did not review consumer credit files before sending the letters. The credit union also misrepresented its influence on a consumers credit rating, implying that it could raise or lower the rating or affect a consumers access to credit. As a furnisher, the credit union could supply information to the credit reporting companies but it could not determine a consumers credit score. 
Illegally froze members access to their accounts : The credit union froze electronic account access and disabled electronic services for about XXXX accounts after consumers became delinquent on a Navy Federal Credit Union credit product. This meant delinquency on a loan could shut down a consumers debit card, ATM, and online access to the consumers checking account. The only account actions consumers could take online would be to make payments on delinquent or overdrawn accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. 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 from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. 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 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 XXXX 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 Please help me block and delete these inquiries and accounts immediately!
Product: Debt collection

Per my previous request from help from the XXXX, I filed a complaint against NAR - North American Recovery. They are collecting a debt on behalf of XXXXXXXX XXXX in which they state that they do have a signed consent form allowing XXXX XXXX to transfer my information to this collection agency. They have not provided me with any type of documentation showing that my information was allowed to be shared to NAR. I want confirmation and a copy of the documentation that has my signature or initials showing XXXX XXXX be allowed to share my personal information with NAR.

Previous NAR complaint response : Consumer Financial Protection Bureau To Whom It May Concern, Regarding the complaint filed by XXXX XXXX XXXX Our office has conducted a thorough investigation into the allegations made by XXXX XXXX. This will serve as our response. XXXX XXXX alleges that our refusal to settle his debt for less than he owes is a violation of the FCRA collection rules. He also states that he, never signed any disclosures stating that XXXXXXXX XXXX could transfer his personal information to a 3rd party. Finally, he alleges, This company NAR is contacting and attempting to collect a debt from me illegally. In response to XXXX XXXX allegations, our investigation confirmed that we have not violated any state or federal laws and that all of our interactions with XXXX XXXX have been fully within all applicable laws. We have not reported his account to any credit bureaus, so there is nothing for us to remove from his credit. We are collecting a debt XXXX XXXX owes to XXXX XXXX Furthermore, our office does not settle debts for less than what is owed. XXXX XXXX will need to pay the full account balance. Lastly, XXXX XXXX did, in fact, sign an authorization with XXXX XXXX that allows them to assign the account to us. We invite XXXX XXXX to call our office toll free at : XXXX and speak with one of our agents. We will be happy to process his payment for the full amount he owes. We now consider this matter closed. Thank you for your time. Sincerely, The Complaint Resolution Team N.A.R. , Inc .
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX XXXX Account number XXXX I have done multiple disputes, asking that they send me proof that this debt belongs to me
Product: Payday loan, title loan, or personal loan

Was denied a loan. I talked to a customer service rep XXXX, and he was not able to give me more information on why i was denied. He was very vague on the reason why i was denied, citing " incorrect information '' during the application process. I am not able to re apply for 30 days due to this issue. When I received the email on the reason why I was denied, it said " not enough information. '' I was not even provided my XXXX score from Payoff, Inc Applied for a {$12000.00} loan XX/XX/21
Product: Checking or savings account

Since my father passed away in XXXX of 2023 I have been calling citizens bank trying to put a hold/freeze on his asscount so my step sister could stop accessing his card bc over {XXXX has been stolen. She was NOT on this bank accoount and did NOT have permission to use his card. Before he passed she stole it and it went missing. I have phone records, emails and fax conformations all showing how many times I have been trying to talk to people at citizens along with a detective from the local police department who is trying to access with videos and get told they are " backlogged '' or don't have access to the videos anymore even though like I said I have been trying to get them to look at these videos since XXXX. They are trying to deny my claims and unwilling to pay me the money back. Even though it'd their fault because if they would've shut it off when I told them to all that money wouldn't have stolen... or at least not XXXX As the executer and blood child I became executer and am now in debt XXXX grand because that money is missing and I was unable to take care of Of all his affairs because of that. If she wasn't one the account I don't understand how it's " ok '' to steal someone else 's card and use it. However she found the pin number is confusing, but considering my dad told me he slept with his wallet under his Pillow and car keys, I'm not surprised. Please help me. Citizens needs to be held accountable or I will pursue action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN UP A MOBILE PHONE ACCOUNT, A PERSONAL LOAN, AND INSURANCE IN MY NAME WITHOUT MY KNOWLEDGE. ATTENTION I AM WRITING TO REQUEST AN INITITATE A FORMAL COMPLAINT AGAINST EQUIFAX, XXXX, AND XXXX CRA # XXXX '. ON XX/XX/2020, I MAILED EUIFAX, XXXX, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNT/S FOR WHICH I AM A VICTIM OF IDENTITY THEFT. ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/FAILED OR REFUSED TO BLOCK USAGE OF THIS FRAUDULENT ACCOUNT/S THAT IS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICES FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Product: Debt collection

No contract with Transworld System INC!!! Cease and Stop all communication methods. I do not recognize any debt of {$16000.00} to XXXX University. This account was sold to a third party. Therefore, theres no CONTRACT so please stop harrasing me and sending letters. Also, I recommend that you remove the account from the credit bureaus.
Product: Debt collection

You do not have jurisdiction or authority to collect on this alleged debt with account # : XXXX in the amount of XXXX reference # : XXXX you are not licensed to collect in the state of New Jersey cease and desist all calls, contact with me and any reporting to the credit agencies, remove this account immediately from my consumer report. Furthermore, I did not consent for you to furnish or have any of my nonpublic personal information. Pursuant to 15 USC 6803 I have a right to privacy.
Product: Mortgage

I bought my house XXXX/XXXX/15. I had escrow held by CapitalOne to cover my taxes of {$3200.00} XX/XX/XXXX. I just received a letter from my mortgage company saying starting XX/XX/XXXX they want to increase my escrow to cover my XX/XX/XXXX taxes which they project to be {$4800.00}. There is no reason to believe my taxes will go up that much. I spoke to XXXX XXXX and they said I have been approved for homestead credit which means my taxes should not go up by more than 4 % per year. CapitalOne told me they will adjust once I can prove my taxes do not go up. I will not be able to prove that until XX/XX/XXXX The mortgage increase from {$1400.00} per month to {$1700.00} per month will be difficult for me and I do n't think CapitalOne has shown just cause for the increase.
Product: Credit card or prepaid card

I purchased an automobile through XXXX XXXX buyer protection plan, in which I was instructed. to purchase gift cards to cover the cost of the car plus insurance and Oklahoma border fees to ship the car from California. All of this totaled {$3500.00}. The car never arrived so I attempted to get my money back from XXXX and PayPal, because PayPal are the managers of funds. I contacted XXXX XXXX  customer. Service and found that the funds had been spent all except about {$230.00}. Since I did n't spend it and I did n't receive the item that I purchased I am due a refund.