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

I am writing to file a formal complaint against XXXX XXXX XXXX regarding a recent incident in which they conducted an unauthorized hard inquiry on my credit report. Despite my repeated attempts to resolve this issue with XXXX XXXX XXXX directly, the matter remains unresolved, and I seek your assistance in addressing this violation of my consumer rights. 

The unauthorized hard inquiry in question was made by XXXX XXXX XXXX for an auto loan, a credit application that I have never initiated. This inquiry appeared on my credit report without my knowledge or consent, causing undue harm to my credit profile and raising concerns about potential fraudulent activities. 

The details necessary for this dispute are as follows : - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX - Date of Birth : XX/XX/2001 - Phone Number : ( XXXX ) XXXX I first became aware of this unauthorized hard inquiry when I reviewed my credit report, and upon contacting XXXX XXXX XXXX to inquire about it, I was met with an unsatisfactory response. Their claim that it was related to an auto loan application I never made is not only false but also deeply concerning. I have not applied for any auto loans within the past year or authorized XXXX XXXX XXXX  to access my credit report for any such purpose. 

I am deeply troubled by this violation of my consumer rights, as well as the potential consequences it may have on my credit score and financial well-being. I kindly request that the CFPB investigate this matter promptly and take necessary actions to ensure that XXXX XXXX XXXX rectifies this situation by removing the unauthorized hard inquiry from my credit report. 

Furthermore, I am seeking a comprehensive response from XXXX XXXX XXXX outlining the results of the investigation and the actions taken to rectify the situation. Additionally, I request that the CFPB take appropriate measures to hold XXXX XXXX XXXX accountable for their actions. 

I appreciate your immediate attention to this matter and your assistance in resolving this issue. Please inform me of any actions or responses received from XXXX XXXX XXXX. I can be reached at the phone number provided above to discuss any additional details related to this complaint. 

Thank you for your efforts in protecting consumers ' rights and ensuring fair credit reporting practices.
Product: Credit reporting or other personal consumer reports

I'ma victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX  XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian ( Report # XXXX ) because they have allowed XXXX separate collection agencies to file negative entries for the same debt with XXXX XXXX XXXX XXXX I'm not disputing the debt, I'm disputing Experian continually allowing multiple collection agencies to post the same debt. XXXX XXXX  did so on XXXX XXXX XXXX then they sold this debt to XXXX in XXXX of XXXX  who dinged my account. Now XXXX has sold this same debt to XXXX who dinged my account in XXXX XXXX 

I filed a dispute with Experian but they did not investigate my issue with them, rather they just confirmed that XXXX posted the negative comment. I called Experian and spoke with XXXX, Dispute XXXX ( wouldn't provide a last name or employee number ) who told me Experian does not entertain any complaints or dispute against themselves. XXXX said this would take 7 years to clear but the 7 years will never happen if every six months it starts over again with a new collection agency There is no Complaint Dept., no manager, etc., I could speak with. Pretty much said Experian could do no wrong and has no responsibility to the consumer for anything they do or don't do. I don't believe it is right for Experian to keep allowing this. If this debt is sold 10 times, I will be dinged 10 more times for the same debt. This can't be right- please help.
Product: Debt collection

Called Caine & Weiner to discuss an account on my credit report. was told i had two account and I asked for a settlement. A settlement letter was sent and i sent in the payment along with a letter asking ot be sent ot me that my account was settled or paid in full. Never received a letter back and the check cleared the bank. I called and spoke with a manager at Caine & Weiner and she asked if she could call me back to review my account. She stated a mistake was made with my account and that they would honor the settlement letter, Now the CFO stated they will not honor the settlement letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN ACTIVE FORBEARANCE EFFECTIVE XX/XX/XXXX THROUGH XX/XX/XXXX.. 

WHILE ON FORBEARANCE XXXX HAS NEGATIVELY REPORTED DELINQUENT STATUS ON ALL CREDIT REPORTS
Product: Debt collection

Russell Collection Agency INC began calling in 2016 while I was a resident in Arkansas, they are not licensed to collect debt in the state of Arkansas where I still currently live.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit - $ XXXX/each in my state - with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. In addition, they are offering a " free '' service, that only lasts for one year ( after which I must pay monthly ). I 'm not convinced that someone trying to steal my identity or get credit in my name will be worried about waiting a year to start fraudulently using my information. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Credit card

I purchased the prepaid American Express gift card in XXXX XXXX. I activated it. I tried to use it on several retailers but every single time the card got declined. On other retailers such as XXXX, the website will not accept the expiration year of XXXX. I noticed the retailers will accept XXXX ( XXXX  years from now ) but not XXXX. I've called several times into American Express ( XXXX ) and every single customer rep has said the same script that the card is fine, the retailer ( XXXX, XXXX, XXXX, etc. ) is the problem. I have no problems with other prepaid cards issued by XXXX. 
I paid a significant sum for this prepaid card and can not use it. 

The last customer rep I spoke with ( extremely rude, name XXXX ), on XX/XX/2024 suggested I add the card to XXXX XXXX and use it that. I did that. XXXX XXXX accepted the card to be used but when I went to the XXXX app to make my purchase, the transaction declined.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/year> EXPERIAN XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The letter below is what I sent to Transunion requesting that they remove the unauthorized inquires from my report. They sent me back a response that said " The inquires listed on your credit report are a record of the companies that obtained your credit information ... .Your written authorization may not be required to constitute permissible purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist '' Furthermore, my request was not addressed by Transunion. Please investigate to have these items removed. Thank you, To Whom It May Concern : I reviewed a copy of my credit report and there are several unauthorized credit inquiries on me. I have listed the items below : XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the companies listed above and investigate such occurrences. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. If you have any questions or need additional information, please contact me at address listed below. Thank you. Sincerely,
Product: Mortgage

Because of the theft of my identity I no longer have a home. On XXXX/XXXX/XXXX Regions Bank allowed XXXX XXXX to transfer XXXX to XXXX XXXX XXXX XXXX. I received a settlement from a XXXX XXXX lawsuit in the amount of {$100000.00}. I set up two C/D 's in the amount of {$44000.00} each. The XXXX Family abused money from the department of labor to make payments on several mortgages. Regions Bank reported interest to IRS. Never contacting me from XXXX through XXXX when I learned my identity was being abused. Payments was being made to XXXX XXXX. I never provided these companies with Regions EDI or my online entries. My labtop was hacked into in XXXX all of my files was stolen. My home was broken into in XXXX when I learned my identity was being abused. XXXX XXXX and company amended and restated my tax returns from XXXX through XXXX. XXXX XXXX was employed with the company at that time. XXXX XXXX had a relationship with Regions and an account. She was the XXXX XXXX XXXX when I was laid off in XXXX. I was told she was going to fix it for me not to be able to get another job. She saw what the XXXX family was doing. Someone filed a tax return in XXXX and put the funds into the account I once had with Regions. The FBI told me to pull all of my tax returns. This is how I learned of this, the amount was five thousand plus. An exemption was used, I did n't have an exemption in XXXX. The amount filed was incorrect. There was no XXXX filed or XXXX for the department of labor. I never received interest statements, not for the C'D 's I had. Or mortgage interest statements or any fraud transpired, even though I did n't apply for the loan with XXXX XXXX XXXX. Regions reported this fraud to IRS. This is abuse of His Housing. I had a FHA loan, these people have property in different states using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted and disputed the Public record Chapter XXXX Bankruptcy on my credit report several times with XXXX and Equifax and they have refused to remove the fraudulent inaccurante information on my credit report. 
None of my information matches the bankruptcy. I have submittedall documents to the credit bureaus and they still refuse to move the information. I have called daily for 3 months and still they refuse to help me. Also I have no accountson my credit that are negative that the bankruptcywould be attached too.Please help me resolve this urgently. I'm applying for a SBA loan to help my business survive this COVID nightmare. 

XXXX has deleted the bankruptcy XXXX has deleted the bankruptcy
Product: Debt collection

On XX/XX/07 in the amount {$970.00}, I made a settlement payment on a charge off XXXX  XXXX account acct # XXXX to Portfolio Recovery Assoicates LLC. Since that time XXXX XXXX has continued to report me negatively to all 3 credit bureaus resulting in a fico score drop of 14 point on XX/XX/XXXX and 41 points on XX/XX/XXXX. I sent a copy of the portfolio receipt to the 3 bureaus to update the balance several times and stop further fraudulent late reporting but instead of updating the correct balance owed or marking as settled i was updated with 5 more  months of negative reporting. Per my most recent credit report from XXXX, originally i was only showing collections as of XXXX, after the most recent dispute report on XX/XX/XXXX i was hit with negative reporting for XXXX - XXXX which clearly is inaccurate. I have contacted all parties multiple times about this issue to no avail.
Product: Checking or savings account

Someone is hacking my phone and not allowing me to contact my banks both my chime account and XXXX XXXX account have been compromised I dont know the dates and the amounts because they keep changing and someone not chime or XXXX XXXX is responding to my emails and calls when iiji try to contact the companies please I need someone to help me and I cant get anyone to respond
Product: Student loan

I just started getting thousands of dollars showing up on my credit report out of nowhere. I never went to college I never borrowed any money to go to school! I am disabled so even if I did take out any loans they would've been forgiven already because I've been on XXXX since 2010. I don't know who's loans these are but if they're not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the  following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX   Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX   Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX   Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX  Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a charge on my bank statement for {$24.00} from Experian Credit Report. I was confused by the charge because although I have a account with Experian for credit monitoring services, the monthly fee for my account is {$19.00} and is processed from a different account. 

When I contacted Experian I was told that the account was opened on XX/XX/2018, under my husbands name. XXXX, the representative I spoke to went on to say that they charged {$24.00} a total of four times. I told her that I wanted a refund because I didn't open this account or authorize the use of my bank card. She said " per the terms and conditions we are only able to issue a refund for one month '' Later I called with my husband and spoke to XXXX, who after speaking with my husband verified that the information on the account was not his. She explained that the account was obviously fraudulent. 

I asked to speak to a supervisor, XXXX ( employee id XXXX ) who said that the term and conditions agreed to when the account was opened, prohibited them from refunding any money and that they had no obligation to provide any proof or documentation as to the fraud. She also told me to contact my bank and " sort it out with them '' for the amounts they fraudulently collected. 

I asked the supervisor why no red flags were raised when the name on the account did not match with the name on the credit card. She said " Experian does not require the name on the credit card to open an account they only require the card number, expiration date, and security code. 

In total 4 charges of {$24.00} and 1 charge of {$4.00} were billed. They processed a refund for one charge of {$24.00}. 

I contacted my bank, which processed my claim and issued me a credit for the full amount billed. Experian was allowed to keep the money they collected by way of fraud. 

The CFPB should take a hard look into how these credit agencies, essentially they house, control and profit from consumers credit information. Their websites are basically advertising for credit card companies and banks. These are the same credit card companies and banks that report consumer information to the credit agencies. The agencies are not impartial, fair, or honest, they essentially work for creditors with no regard or respect for consumers or their rights. 

At the end of the conversation I told the supervisor I would be filing a complaint with the CFPB, to which she responded " okay whatever ''. I guess the lack of respect also extends to the regulatory agencies that are charged with overseeing their business practices.
Product: Checking or savings account

XXXX, XXXX, XXXX over XXXX or XXXX dollars and they made me feel very low and they were disrespectful they lied and said 7 business days I would have credit to my account nothing I'm thinking because I'm XXXX low income. XXXX CHIME/BANKING
Product: Credit card or prepaid card

This complaint is an update to existing CFPB complaints XXXX, XXXX. 

I spoke to the credit card customer service department of Bank of America. 

They indicated that my account had a feature called " Auto Debit '' is active. This " Auto Debit '' system is supposed to pay any statement balance pending on the due date. 

My XXXX statement balance was {$3900.00} Payment due date : XX/XX/2020. 
I had paid {$3600.00} as of XX/XX/2020. 
I made a payment of {$370.00} on XX/XX/2020. 

As per the credit card statement, following are the wordings " AUTO PAY ACTIVE - Your payment of {$3900.00} will be automatically deducted on XX/XX/2020. '' I called the credit card customer service department to dispute the {$940.00} payment that showed up in credit card account. Since there was no trace of any deduction from my checking account. 

They denied knowledge of which account money was coming from and closed my credit card and ordered a new card. This is a flaw. The customer support specialist is unaware of the way banking works or pretended to have no knowledge. 

Today, when the credit card department transaction overdrew my checking account, customer service representative said they will charge an " insufficient fund fees ''. 

I disagreed and talked to the manager. The manager agreed to the fact that they will not charge any insufficient fund fees.

However, the manager was non-committal about the flawed logic used by " Auto Debit '' to try and deduct any amount beyond what is owed as per the XXXX credit card balance statement the was due on XXXX XXXX. 

The manager said they would remove the auto debit from my account.

But I am concerned about this predatory logic that could effect thousands of other credit card customers like me. The bank must abandon such practice and only deduct the difference between statement balance and amount paid already. 

I have file a police report with XXXX, California police department Report number XXXX.
Product: Debt collection

XXXX sold off account to SIMM Associates. 

on XX/XX/year> - paid SIMM Associates {$120.00} and was told account was settled in full. 

on XX/XX/year> - balance was not updated as settled and told they refuse to update balance with both SIMM and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Bank account or service

On XXXX XXXX, 2015 I called to Chase bank telling them that somebody withdraw a money from my Chase bank account. 
On XXXX XXXX, 2015 I received a letter from Chase bank telling me that It is my fault that somebody withdraw money from my bank and they can not give me credit for the {$300.00} somebody withdraw from my checking account, the easy way, I am really do not know why they say that, chase bank had enough time to investigate the guy who did the fraud, and they did not, It was very simple, Chase bank supposed to withdraw money from other bank where the other guy deposited the money and deposit that amount in my checking account, but they did not, or what did they suppose to do with the guy withdraw the money without authorization from my checking account? 
It does not make sense, they did not investigate the guy did the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  allows Weekly access to Credit Reports due to Covid-19 equifax has made obtaining credit report online impossible ; with security questions that I have no idea the answer to, as not relevant to my credit .... 
I sent a packet USPS with a Tracking # on it, which equifax received in early XXXX, and equifax has failed to update the report sent to me in the mail accordingly. I have an old dispute login for equifax that has a memorized password, but equifax doesnt have updates