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

I reviewed my XXXX credit report on XX/XX/2021 and seen an unauthorized inquiry from American Express from XX/XX/2021 that I did not authorize. I sent a letter via mail XX/XX/2021 and XXXX XXXX disputing this matter with American Express and requesting in writing what permissible proof they possess such as signature, verbal consent or IP address. I received the first response letter received from American Express on XXXX XXXX stating they couldnt delete inquiry because they needed additional information even though I provided my SSN on my first two letter. Received second response letter from American Express on XX/XX/2021 stating they could not remove inquiry because they have permissions or proof but never provided me with the proof as I requested in writing on XX/XX/XXXX and XXXX, XXXX. I sent a third dispute letter on XX/XX/2021 requesting they provide me with what permissible proof they possess or delete this inquiry from my XXXX credit report because I did not authorize this inquiry. They sent a third response letter on XX/XX/2021 stating the exact same thing the letter from XXXX XXXX stated and still did not provide me with permissible proof. I called American Express Customer Care at XXXX twice on XXXX XXXX. First call a man name XXXX answered listened to my situation and stated he was transferring me to a member of his Concern Team. XXXX from the Concern Team answered and I had to tel him hold music was still playing in background so I couldnt hear him. He turned that off and I voiced my concerns regarding the above situation. He just sat in silence after I was done I said hello hello and let him know the call was being recorded as proof that they were just sitting on phone and then he hung up. That call started at XXXX was on hold from XXXX. XXXX picked up at XXXX then placed me on hold waiting for Concern Team from XXXX and was hung up on by XXXX at XXXX. I was never even asked my name, ssn or anything. Im filing this complaint because I have reached out to American Express via mail and phone and this unauthorized dispute still has not been deleted on my XXXX credit report as of XXXX XXXX. Second time I called a lady name XXXX answered and then the phone hung up.
Product: Debt collection

this company and XXXX XXXX XXXX XXXX  have shared my personal records and i believe my rights have been violated
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} DEPT OF EDUCATIONXXXX XXXX XXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX the account is accurate, without providing any evidence of a XXXX investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked for removal. All 3 accounts dealing with XXXX XXXX XXXX and Department of EducationXXXX XXXX Equifax, Transunion, and Experian.
Product: Mortgage

The company did not provide all of my mortgage statements from my last complaint # XXXX. I made payments to Selene Finance as far back as XX/XX/XXXX to the present XX/XX/XXXX. I would like all of my mortgage statements sent to me. We never received one statement. Our XXXX requested multiple times by voice and email that the statements be sent to my home address. I would like all statements sent to my home address.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX My home of 26 years was damaged XX/XX/XXXX. My insurance company, XXXX, issued a check on XX/XX/XXXX and sent it directly to Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX, XXXX XXXX. RLMS claimed that they then sent the check to me to sign. I never received that check. On XX/XX/XXXX, I reported to XXXX XXXX that the bank lost the check. It was cancelled and another check was sent to me on XXXX. I received and signed the check XXXX and sent it certified on that same day. 

Before XX/XX/XXXX, Rushmore gave myself and the XXXX XXXX XXXX all of the missed documents they needed. This was completed at the beginning of XXXX. As of XXXX, I called to see if RLMS had received the check. It has been cashed, I was told by supervisor " XXXX '', that the XXXX which they previously told us had not been dated by XXXX XXXX ( which I witnessed them signing ) had been faxed, but their fax machine 's ink was so light they needed it sent again. They also told me they were emailing a form I needed to download, sign and send back to them. This form was not on the list I'd been previously told was needed before this date. They also have not sent that blank form to me as yet. I will have to call them AGAIN! 

NOW they're claiming that my mortgage payments are behind and THAT is their reasoning for holding my funds!!!! This info was revealed ( magically ) just today at XXXX, and the clerk said again that they hadn't received a form that I KNOW I'd sent them previously with other forms they weren't claiming to be missing. 

I asked the clerk for a supervisor who then said that the claimed " missing form '' was NOT missing! We then did a 3-way call to the construction company owner, who AGAIN faxed the documents that the supervisor said weren't completed and why. This is the 2nd supervisor who has said she would followup on this matter. 

This bank is holding the funds for the repairs and keeps putting blocks up as excuses not to payout the funding to me. The interest on this payment must be paid to me by law. However, I need to just get the payment from them that they are holding from me. ( Please do not publish my address on this letter. ). I want to repair the damages to my home which are worse because of the harsh weather they are enduring. 
PLEASE HELP ME WITH THIS!!!
Product: Checking or savings account

I am writing to file against Navy Federal credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue align with the recent CFPB Findings against Navy Federal for similar practice where transactions with insufficient despite initial available funds. I believe these practices are unfair and request an investigation into my account.
Product: Credit card or prepaid card

Dispute case number XXXX Merchant : XXXX Amount : {$670.00} Transaction Date : XX/XX/2019 I filed a dispute with JB Morgan Chase Bank for this charge on XX/XX/2019 ; Reason code : Merchandise/Service not received. The charge was for a flight ticket that was canceled by XXXX for engine malfunction reasons, this flight never departed the airport and I didnt receive any compensation from XXXX. 

XX/XX/2019, Chase posted a letter to my online banking account stating the following : We contacted the merchant to discuss the disputed transaction ( s ). The merchant sent us information showing why they believe the charge ( s ) is valid. We sent the information to you in a letter and asked if you wanted to continue the dispute ( s ). We reviewed the information available and found that you either received the services or the merchant made them available for your use. 

I sent Chase secured message requesting a copy of the documents they received by XXXX. I also mentioned that I didnt receive any communication or letters from them regarding this case as they claimed. 

XX/XX/2019, Chase opened a new dispute for this charge ; case number XXXX XX/XX/2019, Chase posted a letter to my online banking account stating the following : While you may have a valid complaint with the merchant, the results of our additional review confirm that the transaction is valid and no billing error occurred on your account. 

XX/XX/2019, I sent Chase a secured message requesting the documents they received by XXXX and pointed out that the dispute reason code is not for billing error but for Merchandise/Service not received.
Product: Credit reporting or other personal consumer reports

I need three inquiries removed off of my personal name, which is my credit report, because I did not authorize them Trans Union is reporting in accurate information. This is illegal under the American federal law. I will like these 3 inquiries removed immediately or I will take legal action XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

A credit enquiry appeared on my report that was fraudulent. The enquiry was from XXXX XXXXXXXX XXXX whom I have never had any dealing with. I contacted XXXX XXXX who told me that I had to contact the credit bureau. I contacted the credit bureau, Experian, and filed a dispute. Earlier in the year I had several enquiries that I needed to have reversed due to fraud, and therefore I had frozen my account. Subsequently I have had nearly 100 'soft ' enquiries. 
I filed the dispute, and this was rejected within a couple of hours. The fraudulent enquiry remains on my report. 
No-one from Experian or XXXX XXXX reached out to me for any further information.
Product: Debt collection

I received a Summons to court for XX/XX/XXXX with attached billing type of documentation that had only my first and last name on it, with no reference to a billing address, and only referenced the last XXXX digits of an account number. I have not had any communication that I know of from this debt collector. I do not recognize this debt or having a credit account with the referenced creditor. I do not have any record of payments being made by me to this creditor, though the statements say payments were being made apparently at some point. Also the provided statements show a card security fee being charged, which upon inquiry I was told it was something that was a type of service that would have paid the owed balance in full upon default, and that if this was legitimate, it should have not been sold to the debt buyer, Portfolio Recovery, in the first place. The statement provided is dated for XX/XX/XXXX. I was advised by a lawyer that this debt is most likely identity theft, since the security service was purchased, as the claim amount is relatively low at {$2600.00}, and am retaining a lawyer for all communications, including with the company, and had been advised to not acknowledge the summons, as it could be construed as an admission to validity of the debt. This research has taken longer than expected, therefore the date of this complaint that I have been advised to submit personally after the fact.
Product: Money transfer, virtual currency, or money service

XXXX we made a payment in the amount of XXXX USD from our XXXX account to the account of XXXX XXXX XXXX XXXX XXXX opened in XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX 
XXXX we received information from XXXX that our payment of XXXX USD ( XXXX ) dated XXXX XXXX XXXX  was sent via a correspondent bank of JP Morgan Chase Bank , XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXJP Morgan Chase Bank was the intermediary bank in this chain. XXXX XXXX was included in the list in accordance with XXXX XXXX. XXXX. In this regard, my payment must be blocked by an intermediary bank in accordance with US sanctions legislation. To unblock a payment, I need to apply for a special license from OFAC. However, JP Morgan Chase Bank has not yet blocked the payment or informed the initiator bank about the freezing measures. 
We applied to OFAC, the case was assigned the number XXXX and it has the status Case ID XXXX has a status of PENDING. 
XX/XX/2022, we received a letter from XXXX XXXX, Analyst at the Office of Foreign Assets Control U.S. Department of the Treasury, requesting additional information on the transfer XX/XX/2022 all required information and documents were sent to email - XXXX At the moment, the status of our case has not changed, since OFAC can not find records of the blocked payment, accordingly, we can not obtain from OFAC the license necessary to unlock our funds. 
XXXX We tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX  with a request to clarify whether the payment was blocked and transferred to OFAC and when. JP Morgan Chase Bank did not respond to our request.
Product: Vehicle loan or lease

Voluntary surrendered vehicle which was auctioned off with a balance of {$20000.00}. 
Spoke with XXXX XXXX XXXX XXXX, stating unable to pay off balance because I am no longer working and have been diagnosed with a very high aggressive XXXX XXXX. 
I have asked them to stop sending letters/certified letters to me via XXXX mail. They have continued to send certified letters. I am in the process of sending them I am in the process of sending them a certified letter stating to stop all types of mail contact with effective date XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have expressed that the following addresses are incorrect and that they need to be removed. I have also called all collectors to update my only address that needs to be on file. The following names are also incorrect and have never been linked to my social security card. My phone number on file should also only be XXXX instead of this long list of phone numbers that are not mine. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I sent over my DL and social security card with my name listed as XXXX XXXX XXXX XXXX and my address as XXXX XXXX XXXX XXXX XXXX XXXX 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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I unfreeze my credit at both XXXX and Transunion on XX/XX/2023, XXXX was able to pull from XXXX but not Transunion, due to my credit file is locked, been trying to call Transunion for the last XXXX hrs, with many call drops, call transfer drops, calls routed to agents that have IT issues, still and find a solution as now XX/XX/2023 XXXX EST.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXXXXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I filed a dispute with Wells Fargo on XX/XX/2022 after noticing fradulent charges made on my account. I was given a claim # XXXX. I received an email today on the XXXX day stating the claim is complete. I reached out to the bank and was told my claim was denied and they could not give me any more information. I requested to have the documentation on how the fraudulent charges were investigated. I was told because of federal regulations they could not provide that information. Its very convient that the bank would wait until day 9 to claim they investigated the charges and deny the claim. Clearly there was never an investigation and they can not provide me proof. I asked for a supervision and was placed on hold for an entire hour for them to drop the call. Again they waited until day 9 to say the claim is denied its so obvious that this bank has unfair practices and it needs to be address on a higher level.
Product: Mortgage

At the end of every year NewRez pulls this non-sense. Always trying to make me pay a double payment even tho I add the {$18.00}. Payment runs from the XXXX to the XXXX after that the late fee of {$18.00}. Straighten them out on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a bank loan and was told I had a chexsystems free on my account that I never asked for and when I call XXXX to get the freeze lifted they told me I had to fax them and jump through a hundred hoops to get something removed that I never asked for to begin with. says its been on my record since XX/XX/2020 which can not be true since I have purchased many vehicles and opened banking accounts in that time with no chexsystems freeze.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccurate and outdated items on my credit report, as listed by XXXX and Experian. These accounts have previously been reviewed and removed by XXXX following my successful dispute, yet they continue to appear on my reports with XXXX and Experian. This inconsistency has caused significant confusion and impacted my XXXX XXXX unnecessarily, despite XXXX determination that the accounts were inaccurate and should not be reflected on my credit profile. Given the Fair Credit Reporting Act 's stipulations, it is within my rights to request that XXXX and Experian remove these same accounts in compliance with XXXX 's findings and to ensure accuracy and fairness across all reports. 

Please consider this as a formal request for XXXX and Experian to conduct an immediate investigation into these disputed items. I have included copies of my updated XXXX report that reflect the removal of the disputed accounts, and I am seeking equitable treatment from all bureaus. The presence of these incorrect accounts has already led to undue financial stress and difficulty securing favorable credit terms. I expect XXXX and Experian to take prompt action to resolve this matter and provide an updated credit report reflecting the accurate information as reviewed by XXXX. Thank you for your attention and assistance in resolving this issue fairly. 

following accounts need to be removed :. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Balance : {$370.00} XXXX XXXX XXXX/ XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : 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  Date of inquiry : XX/XX/2021
Product: Credit reporting or other personal consumer reports

Experian showed child support as closed paid in full as of 2019. But it still was on reprt. I asked experian why was this and all of a sudden it came back as open. XXXX balance but open. I called child support and they verified that it was paid in full since 2019. But for some reason experian refuses to close it.