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

I recently reviewed a copy of my credit report. It indicated that a 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. 
EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Experian is selling my information and as a result I have unauthorized inquiries listed on my consumer report. This is a violation of Privacy and Identity. Per FCRA 15 USC 1681 ( C ) ( 3 ) Permissible Purpose- ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. EXPERIAN MUST DELETE LISTED INQUIRE OR PAY UP TO {$1000.00} PER VIOLATION. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general-Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Collection purpose. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1ST OF ALL I FILE CHAPTER XXXX BANKRUPTCY 2ND XXXX XXXX FAILED TO REPORT F.C.B..A. DISPUTE SEE Attached letter.
Product: Credit card or prepaid card

Paid my balance in full on XX/XX/2019. Capitol One then sent me my statement on XX/XX/2019. The statement showed they charged nearly {$13.00} of interest on a XXXX balance account. When I called to inquire why, I was told I have to pay the balance off in full two months in a row to be charged zero interest.
Product: Mortgage

I entered into a partial claim after being unable to secure a loan modification to lower my payments following a XXXX-XXXX  XXXX  ( partial claim ). During the XXXX, my payment amount increased due to a rise in insurance costs, making the new payment amount too high for me to manage. As a result, I requested a loan modification, but the company informed me that my low interest rate disqualified me from a modification. Instead, they offered an additional partial claim under a trial period. 

The company informed me that I would need to make payments from XXXX through XXXX at an amount they set, and I complied. I maintained constant communication with the company, even when issues arose with payments, and all three payments were successfully applied on XX/XX/2024,XX/XX/2024 and XX/XX/2024. They then indicated that no payment would be needed in XXXX, and my first payment after the partial claim would be due in XXXX prior to the XXXX. 

Throughout this process, I spoke with a different representative on each call, resulting in a lack of consistency. The last representative I spoke with ( XXXX XXXX XXXX ) lacked empathy, understanding, and professionalism, which made the situation more difficult. Despite my full compliance, the company terminated my trial period about XXXX days before its scheduled end for no apparent reason, reported late payments to the credit bureaus, and threatened XXXX.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue persists. These erroneous entries have severely impacted my life, causing significant stress and XXXX. I want to emphasize that I never authorized or consented to this information being associated with my name, as I am a victim of identity theft.
Product: Debt collection

Company is extremely harassing ; This debt should n't even still be on my credit as I have already cleared this up in early XXXX - I do n't understand how a hospital can just take your money and act like you NOW owe a seperate agency. Something is definitely wrong with these two companies.
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX CFPB XXXX XXXX, XXXX XXXX Re XXXX XXXX XXXX XXXX : This is a complaint regarding complaint processing at the CFPB I do not expect a direct reply from you, but rather a person in authority who can speak and address this. 

I have been informed that the FDIC forwarded a complaint, together with all supporting documentation submitted to them to the CFPB on Fifth Third Bank as they indicated that bank is under the CFPB jurisdictions. 

The specific Fifth Third Bank were documented to your office on XXXX and XX/XX/XXXX With no responses. 

Whie discussing its status recently with an online rep, I was told the complaint was closed. 
I stated to the rep that the Fifth Third bank has made erroneous comments to the CFPB and me as was fully documented throughout the complaint processes, I.E., that bank has failed to pay me proper interest for XXXX thru XX/XX/XXXX AT AN INTEREST RATE OF 3 %. 

Fifth Third, including their senior management off of XXXX has been contacted numerous times since XX/XX/XXXX with nothing but nothing but erroneous replies I was told that the CFPB will not pursue the complaint as because an institution only will respond one time to the CFPB I question that action from this agency in assisting a consumer and need assistance on that action by the CFPB. 


I need a prompt written response to be sent via XXXX, XXXX XXXX mail, Thank you. 

( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had lost my wallet with my cash app card in it in XXXX. since then I have tried at least 3 times to get a replacement card. Each time cash app support asks me to wait two weeks and each time I waited the two weeks. In the meantime I have debts to pay and my paycheck was directly deposited in Cash app. I had no way to withdraw any of my money. I repeatedly discussed other ways of withdrawing money like a XXXX XXXX  card. Support said that it would work. when I tried I was told Cash App doesnt support that bank. I just need them to actually mail me a replacement card. Anyway, thanks for listening. My name is XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio, XXXX. My email is : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX Balance : {$48.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$690.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX JXXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 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. XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX  XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX failed to provide proof that XXXX XXXX XXXX XXXX  has permissible purpose to report on the consumer report. 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) states that a lender must have written consent from consumer to report. XXXX vs TransUnion is a case law that was won by a plaintiff for failure by TransUnion and XXXX to provide proof of permissible purpose. My next step is a lawsuit. Please remove this account due to failure to show proof of permissible purpose by the agency.
Product: Checking or savings account

I reported a non fraud dispute for merchandise not received. XXXX transactions totaling {$110.00}, I received a letter a week later in which it states and I quote Because we did not receive the information we requested from you, we based our decision on the information available. 

I called the number on the letter to inquire about my dispute, since I have not received any correspondence requesting any type of documentation. The Wells Fargo agent advised that they did not request anything from me and they just denied the claim based on whatever information they had. I did not receive provisional credit, nor did I receive any type of communication from Wells Fargo requesting I provide documentation. 

The letter is completely false and misleading, as it basically holds me responsible for something I was not contacted about or for. Regulation E provides us consumers rights, and I requested Wells Fargo to do a reassertion in which I was advised that it was not possible and that they have made their decision.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against TransUnion for reporting fraudulent accounts and inquiries on my credit report. Despite my previous attempts to resolve this matter directly with TransUnion, they have failed to correct the inaccuracies. 

Specifically, my credit report contains several accounts and inquiries that I did not authorize. These fraudulent items are severely impacting my credit score and overall financial standing. I have provided TransUnion with the necessary documentation, including an identity theft report, yet they have not removed the fraudulent entries. 

I am requesting that the Consumer Financial Protection Bureau intervene to ensure that TransUnion promptly investigates and removes these fraudulent accounts and inquiries from my credit report. 

Thank you for your assistance in resolving this matter.
Product: Debt collection

Today, at XXXX, a women who after I asked several times said her name was XXXX XXXX XXXX called me and acted like I was aware of the debt she was speaking of. I told her someone else called this past XXXX and he without making an attempt to make clear what he was talking about, was asking me for permission to record the call. I declined and asked what he was talking about. He finally stated it 's a XXXX XXXX credit card debt from 15 years ago. He started making some snide comments and I told him that I 'm not sure about this debt, but if it 's been 15 years you will have to forget about it. I told him not to call ever again and had to hang-up because he kept speaking. I 've had plenty of calls since then but did not answer because of the XXXX area code. But today this XXXX got me and wanted to get me to pay despite my repeated attempts to ascertain the nature of the call. She said it 's a XXXX XXXX credit card debt from 15 years ago that was {$200.00} that they usuriously grew to over {$5000.00}. I talked over her telling her to not call again and I could n't make out what she was threatening to do. I 'm sure over a decade ago I sent them a written desist demand. They keep pulling my credit report and harassing me. I want them to stop contacting me and stop pulling my credit report, They are a less than reputable company and have grown because there are a lot of foolish people that do business with them, or have they changed? I doubt it. They even state on an old collection notice that they ca n't sue or report payment or non-payment to a credit bureau.
Product: Debt collection

IQ Data is currently reporting negative information on my credit reports. They were in receipt of a letter on   XXXX   requesting verification/validation of this debt as I have no knowledge of this account and have never done business with this company and they have failed to provide this information. They printed out what appears to be a statement with an amount that does not even add up the amount they are claiming I owe. Further, they handwrote an additional amount which still does not add up to the amount they are claiming I owe and which makes absolutely no sense. This is a violation of the Texas Finance Code as this company is now allowed to collect " interest ' '' on an account unless they have entered an agreement. Further, per the Texas Finance Code Section 392.101, a debt collector must hold a surety bond in the State of Texas in order to attempt to collect a debt. IQ Data has failed to comply with these regulations. I have attached all documentation that was mailed to the company.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX & XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened up a secured business card which required XXXX in a cd .was told that when the cd mature which it did on XX/XX/XXXX that it will automatically turn into unsecured. That not the case. Found that it has to go through A '' REVEIW " AND IF I QUALIFY ONLY THEN IT WILL BE UNSECURED. THAT IS NOT HOW IT WAS EXPLAINED NOW I AM CLAIMING FRAUD ON BANK OF AMERICA PART NOT PROPERLY EXPLAINING HOW THE CREDIT CARD REALLY WORKS.
Product: Mortgage

I was checking my credit score on XXXX XXXX this norning and saw there was XXXX open account and about feel over. This was with america servicing company which was a nightmare in its self. long story short we filed bankrupsty on XX/XX/XXXX and reaffirm to keep the home. 
I tried to refi to lower interest rate and was told numerous we did not qualify, finallly in XXXX XXXX our house was auctioned off .and sold We live in a rv and lost everything. All I would like is to have this corrected how can I still owe on a home that is already sold nearly 6 yrs ago. please help me.
Product: Checking or savings account

I was swindled out of {$280.00}, and attempted to seek reimbursement. PayPal emails from an address impossible to reply to. My feeling is they were simply waiting for me to open an account. They were trying to force me into a corner that if I dont open an account to use the resolution center XXXX couldnt be helped. I made over XXXX attempts to reach them. I was on the phone with their XXXX who barely spoke XXXX and didnt know what a URL was for over XXXX minutes. PayPal demanded that url from me even tho they had the business website since its their customer. I signed up for XXXX to reach them as well. The guy gave me a special email address and said I could send it there. I emailed them with that information then they responded that they still hadnt heard from me. I then emailed the same content XXXX times in XXXX day. Heres their final response : Update on your case We received the case ( XXXX ) you filed on XX/XX/XXXX. We have reviewed this transaction ( XXXX ) and are denying your case ( XXXX ). The decision was made because we did not receive a response from you with supporting details for the case. We're sorry for any problems you XXXX have experienced with the transaction ( XXXX ). Transaction information Dispute Case ID XXXX XXXX XXXX {$280.00} USD Dispute Amount {$280.00} USD Transaction ID XXXX Transaction Date XX/XX/XXXX I have no where to go but small claims court. The reason I refused to sign up with papal because they refused to acknowledge I purchased a broken XXXX XXXX XXXX set from a con whos sitting in prison today. Sadly they refused to consider my evidence. I closed my account and said Id never sign up again. Well now any business that uses PP wont get mine. How come we as consumers cant easily sue these thieves? They are not given any supervision. What does this process accomplish except give the perps an opportunity to laugh at us fools who come here and get absolutely XXXX support. Ok I guess in reality this is merely a place to leave a review. Come on guys call it what it is. Nothing absolutely nothing is accomplished with this process is it merely designed to mock us? As a helpless dog XXXX in XXXX XXXX. PayPal you are evil. I HATE PP. PAYPAL = THIEVES.
Product: Mortgage

I am due an annual tax and interest statement for XXXX from Mr. Cooper mortgage company. The loan was sold to XXXX in XX/XX/XXXX, so Mr. Cooper owes me one month 's tax and interest in a XXXX  statement. Their website says that these would be mailed postal mail by XX/XX/XXXX. I have not received any statement from them. When I logged into my online account with Mr. Cooper the only tax years listed for statements end at XXXX. There is no way to contact Mr. Cooper about this from my online account and there is no customer service telephone number provided by Mr. Cooper for contact. Please get me my tax statement in time for this year 's tax filing!
Product: Credit card or prepaid card

Santander Bank refuses to refund {$96.00} yet acknowledges the fraud by cancelling my debit card. 

My situation falls into " billing error '' category and fraud category. I got overcharged and received a different item than ordered. 

On XX/XX/XXXX I purchased a pair of leather XXXX sandals for a total of USD XXXX through a " XXXX '' website XXXX On XX/XX/XXXX {$96.00} ( XXXX + XXXX intl. fee ) transaction posted on my account that originated in XXXX and was connected to a private hotmail account where the purchase confirmation came from. 

Santander should have had an alert in place for charges coming from XXXX, XXXX, XXXX and other countries known for scams so I could refuse it but they failed me as a consumer. My XXXX card blocks such charges immediately if I don't tell them explicitly that I travel or plan to purchase abroad. 

Called Santander to report fraud and gave them details. They immediately cancelled my debit card and initiated a refund claim. 

I contacted the seller but got no response. Instead, I received cheap fake leather sandals, completely not the ones ordered and not worth {$5.00} let alone {$93.00} and again silence from the scammer seller. 

After I e-mailed him that I'd report him as fraud to my bank and an appropriate XXXX entity dealing with imposter " XXXX '' websites, the scammer wrote that the warehouse made a mistake and offered a {$9.00}! refund so " I don't have to pay high shipping charges for sending the shoes back '' even though he shipped the wrong ones. How much scammier than that can it get? ( see the attachment ) When I demanded full refund and told him he would have to pay for shipping the shoes if he wants them back, he stopped responding. 

However, since I got a replacement card, even if the scammer was willing to refund me, he can't return the funds to a cancelled card and I'm not going to give him my new debit card info. 

Even though I informed Santander about the issues I'm having with the merchant my refund claim was rejected twice. They wrote me to resolve the issue with " the merchant '' being well aware that I was already in contact with him trying to unsuccesfully recover the funds from a fraudster. 

Santander claims to protect their customers from scammers but they obviously do not care and do a very poor job letting international charges from XXXX clear. My claim was frivolously and unjustly rejected.
Product: Debt collection

They are the third debt collector to be handling the same debt as mine. I will not pay a debt collector when the original creditor could not provide proof the debt is mine. I do not have a contract with XXXX XXXX and it needs to be removed from all of my credit reports for good.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated this thing in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify this account is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately : XXXX XXXX XXXXXXXX
Product: Checking or savings account

I have a previous complaint and received a phone call at XXXX XXXX  today XX/XX/year> from a man named XXXX stating that wells Fargo would not be refunding my {$6300.00} because that was the decision the investigating agent has made. I let him know that these charges were not authorized and he said he believes they were. I also let him know that the charges I am talking about are a different merchant than the one he was stating. They will not release/refund my money. He said he couldnt help me. Please help. The charges not authorized are from XXXX in the amount of {$6300.00}.