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

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tried to contact Trans Union numerous times through their website and kept getting sent to an XXXX customer rep. I need to know about how I can verify my address because I only have one form of identification that they requesting and they need to. Im trying to find out another form of identification, proving or verifying my address and I cant get a hold of a customer rep and this is problematic. And on their website, theyre trying to direct me towards being a member where I have to pay money XXXX dont have
Product: Credit card

Concora credit has been taking payments from me 3 weeks after I make the payments. They also scam by hiding previously set payments making you think you never scheduled one in the first place. Forcing me to schedule another payment only to then take both payments at once. This is illegal and intentionally deceptive. If I have a previously scheduled payment there should be a tab that shows my payments and when they will be deducted. All of a sudden with the new ownership of these credit cards by " concora credit services '' they now hide your previously scheduled payments making you think you never made one so they can take even more money from you. Milestone and Indigo credit cards are the culprits.

Example XX/XX/XXXX Indigo credit card showed no scheduled payments, so I made another so not to obviously miss a payment just for them to take both payments out of nowhere and suddenly my previously scheudled payment shows up. 

When I call them to dispute they have a bunch of XXXX XXXX who could care less about my financial situation and all they can do is put me on hold laugh amongst each other in the back ground, transfer ne around from department to department and waste my time just to say they can not help because the payment has already went through! This is so infuriating and these companies outsource their workers to avoid accountability. 

Malpractice, scam, horrible customer service, condescending work force, XXXX  work force who do not care about Americans so they see no incentives to help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

after reviewing my credit report have a lot inquiries that i didn't approved and i would like to be remove
Product: Credit card or prepaid card

XXXX XXXX  ACCOUNT WAS OPENED FRAUDULENTLY USING MY PERSONAL INFORMATION. SOMEONE STOLE MY INFORMATION AND OPENED THE CREDIT CARD, I NEVER BOUGHT ANYTHING USING THAT CARD, THE CHARGES AND THE ACCOUNT IS FRAUDULENT. I AM XXXX AND AS A PROFESSIONAL I HAVE NEVER APPLIED FOR THIS CARD, NEVER BOUGHT ANY MERCHANDIZE FROM THAT STORE. THIS CARD WAS OPENED FRAUDULENTLY, I NEVER APPLIED FOR THAT CARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX regarding a disputed Past Due Payment of XX/XX/XXXX, on XX/XX/XXXX. I confirmed with XXXX  that they sent the report to XXXX  on XX/XX/XXXX. In the letter attached, it clearly states that HF is removing the Past Due from my account and updating it as PAID AS AGREED, cleared of any delinquencies and supplied an AUD confirmation number ( XXXX ), as well as 2 other AUD # 's over the phone ; XXXX & XXXX ) to reference when speaking with the credit bureaus. On XX/XX/XXXX, I received information from my experian.com account that my credit report updated and showed no discrepancies with any of my accounts and my credit score jumped over 104 points! I proceeded to apply for a mortgage refinance and found out after they ran my credit report that XXXX  and XXXX  were reporting very low scores and was advised to contact both regarding the discrepancies that were still being reported. I called XXXX on XX/XX/XXXX and referenced the AUD # 's. They would not confirm the AUD # 's nor would they answer any questions regarding adjustments, only that XXXX XXXX did not send them any information to clear up my records. I went on for 6 1/2 hours going back and forth with XXXX  and XXXX! Both blaming the other in what they needed to do in order to adjust my credit score/report. My cellphone has a record of more than 15 calls totalling up to 10 hours wasted. Today, XX/XX/XXXX I was provided an AUD # XXXX from an agent with XXXX XXXX. I was told it was created yesterday after my multiple conversations with them and it was confirmed being sent to XXXX  today. The agent informed me to reference this number when I called XXXX. Again, once I spoke with the agent from XXXX, he would not accept, confirm or deny the AUD # and continued to direct me to contact XXXX XXXX to send an update to remove the discrepancies on my account. I don't know who to believe or what they are telling me is even accurate. Simply, I am caught in the middle and feeling helpless to find any resolve from either company, all the while, we are still being held back by both companies not being able to take advantage of the low mortgage interest rates and removing any financial strains of debt during this horrible pandemic and failing economy. PLEASE HELP!!!
Product: Student loan

We had an original loan for our daughter of {$79000.00}. We believed our repayment plan covered principal and interest. Years later when we checked on loan we ended up owing {$100000.00}, {$24000.00} in interest has been added to our loan and the principal has not been touched, still {$79000.00}. We have not missed a payment since the date of the loan on XX/XX/year>. My loan number is XXXX. I am upset that with all our payments we never knew that we were not paying enough to cover principal and interest and that interest had accrued in the amount of {$24000.00}. Helpme please. 
Is there a government program to help with me and others who feel cheated? What can I do. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting the following accounts are violating my rights.

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 that a consumer reporting agency can not furnish an account with out my written instructions. 

XXXX  act. # XXXX XXXX  act. # XXXX XXXX  act. # XXXX XXXX XXXX XXXX XXXX. # XXXX Also these inquiries reported on my credit report don't belong to me : XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

This account does not belong to me and I have had zero help from the credit bureaus or company to get this removed. I've been disputing this account all year. The account is from XXXX  XXXX XXXX XXXX XXXXXXXX ) and I have yet to receive any validation from this company or the original company. I want this account removed from my credit report immediately.
Product: Debt collection

The coolant claims i allied XXXX XXXX XXXX XXXX card. This must have been fraudulent as I did not apply myself. They have since been harassing me constantly about it calling at all hours of day and night and using illegal tactics to try and get me to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

All credit report agencies are reporting an alleged bankruptcy on my credit report profile. I asked how they verified information, was told XXXX who I then contacted them directly they said they could not validate information and would remove it. I then sent the credit reporting agencies proof of that noticed, they then gave me statement now saying the bankruptcy courts told them about this alleged bankruptcy. I contacted bankruptcy courts and sent all 3 credit agencies notices from the court indicating they did not and yet they refuse to remove this false information. Attached is proof. I need all 3 credit bureau ( XXXX, XXXX and Experian ) to remove this inaccurate information as my score is being penalized for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported me 30 days past due which dropped my credit scores. The problem has already been resolved on my XXXX and XXXX report.
Product: Credit reporting

I have been trying to dilute a bankruptcy on my report from Experian. The reporting agency Experian has used to verify the bankruptcy is XXXX XXXX. My XXXX file has been frozen since XXXX XXXX, 2016. Experian keeps claiming they are verifying information on my credit report and that the source of verification is XXXX XXXX. How is this information accurate if my XXXX XXXX is frozen. Attached is a documentation of my XXXX XXXX consumer being frozen. Experian is not in compliance with the FCRA, XXXX and CFPB
Product: Credit reporting or other personal consumer reports

PLEASE HELP ME WITH THOSE ACCOUNTS AND WITH THOSE INQUIRIES XXXX XXXX XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I told the bank usaa that I was under some kind of credit card fraud and that someone stole my secure card and whole wallet which had all my important information in it and kept charging it and getting new cards to the point I owed {$2100.00}. I tried to exactly to them that it was fraud and I want it removed they did nothing. So I refused to pay and now they charged the account off some time around XX/XX/XXXX and sent it to XXXX collection agency and they have been harrasing me calling for funds that I don't believe I have to pay and my credit score took a massive dive because of this. I would like too have this removed. I'm working to work something out at this point ... .just to have it off my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud 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. Please block/remove these items. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$8200.00XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX
Product: Debt collection

A dent collector got a judgement against me and claimed I signed for the legal documents notifying me of the lawsuit. I never received such documents and now they are going to try and garnish my wages. When I contacted they circuit court they said there was a signature on file as XXXX. This is not my signature and I do not have XXXX as my initials.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX {$820.00} Opened : XX/XX/XXXX Self Financial/Lead Bank {$560.00} Opened : XX/XX/XXXX XXXX  {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$7100.00} Opened : XX/XX/XXXX Credit Acceptance XXXX {$7500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX {$530.00} XXXX XXXX XX/XX/XXXX Credit Bureau Asso of Georgia {$1100.00} XX/XX/XXXX XXXX, XXXX, and TransUnion have been notified XXXX mail and their websites in regards to the accounts listed. There is inaccurate information being reported regarding the accounts. The agencies have been asked on several occasions to delete the information but nothing has been done. As mentioned before disputes along with follow-up letters were sent to each via certified mail. They were asked to provide information on how the accounts were investigated and no response 45 days later. By law, they are to provide a solution or information within 30 days. Under the Fair Credit Reporting Act ( FCRA ) 15 1679c-Disclosure, I have the right to dispute inaccurate information in my credit report. I also have the right to sue a credit reporting agency for negligent or willful noncompliance with the law within two years after discovering the harmful behavior or within five years after the harmful behavior occurs, whichever is first. I would like to have this resolved another way before pursuing a case against the agencies. This has been an ongoing process for months and I have gotten nowhere. Please help me!
Product: Checking or savings account

On XX/XX/year> I reached out to the company asking for a refund. On XX/XX/XXXX they replied stating no. 
These unauthorized charges have occurred on the dates of XXXX with the different amounts of XXXX XXXX XXXX XXXX  XXXX Over and over charging me again equals to about XXXX. 
As soon as I realized all these charges I reached out to the company, and they didnt help so I reached out to my bank, Wells Fargo and all they did was close the disputes. It only took them a few days they did not do any investigation or even speak with the company all they did was deny me. 
Thats a lot of money for my bank to deny me and not even look into it. They canceled my debit card and sent a new one but closed all the disputes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

TRS RECOVERY SERVICES INC. I got 4 letters from this company attempting to collect on XXXX online check Payments never made or authorized by me on a account that i had closed years ago from a result of lost checks from a credit card account. I dispute check number XXXX {$11.00} REF XXXX check number {$60.00} REF XXXX check number XXXX {$20.00} REF XXXX and check number XXXX {$59.00} REF XXXX these are all fraud.
Product: Mortgage

I am filing a complaint regarding a potential violation of the Equal Credit Opportunity Act ( ECOA ) Background : I submitted a loan application on XX/XX/2024. 
On Thu, XX/XX/2024 at XXXXXXXX XXXX, I received notification of financial approval for a loan amount of {$150000.00}. 
On Wed, XXXX XXXX XXXX  at XXXXXXXX XXXX I received unlawful conditions in order to obtain the loan if provide the boarders private information like bank statements and drivers license ECOA Violation : Delayed Notification : ECOA requires creditors to notify applicants of a decision within 30 days of receiving the application. However, I did not receive any communication regarding additional documentation requests until XX/XX/2024 after I had already been approved financially for the $ XXXX on XX/XX/2024. 

On XX/XX/2024, after informing the loan officer of the possible ECOA violation, I suffered adverse action as the loan was lowered to $ XXXX after it had exceeded the 30-day timeframe. 

Privacy Concerns and Unnecessary Information Request : The requested documentation on XX/XX/2024, included a request for the Boarders ' driver 's license : This information seems unnecessary and potentially violated the privacy of the boarders in light of the fact of not being a party to the loan, 12 months of bank statements for the boarder : This also appears excessive and irrelevant to my creditworthiness. 

I wrote a letter to the original loan officer Tue, XXXX XXXX, XXXX XXXX XXXX XXXX After this, adverse action was taken On XX/XX/2024 ( more than 30 days after financial approval on XX/XX/2024 ), The original amount was lowered to {$120000.00} with additional requirements to pay certain bills that had already been discussed to be paid with XXXX XXXX at the time of application on XX/XX/2024. This sudden change in terms after financial approval raises concerns about potential discriminatory practices. 
Request : I request the Consumer Financial Protection Bureau ( CFPB ) to investigate these potential ECOA violations by PenFed Credit Union. I also request that the originally approved loan amount of {$150000.00} be reinstated without requiring unnecessary documentation or additional conditions. I have attached all documentation to prove this claim. 


Loan application : XXXX Letter of Financial Approval XX/XX/2024. 
Illegal Conditional documentation request on XX/XX/2024 Adverse/Counteroffer received on XX/XX/2024 XXXX
Product: Checking or savings account

To whom it may concern : On XX/XX/2019 I entered the CHASE Bank at XXXX XXXX XXXX, XXXX VA, intending to deposit a sum of {$6000.00}. In the past I had always given the bank associated my cash deposit and it was counted manually, after which I was given a receipt. This time the bank associated urged me to make the deposit using an ATM machine, unlike the previous times. The clerk showed me how to deposit the money in the machine. The receipt I received from the machine credited my account with only {$3000.00}. The bank manager said there was no way to recount the money and I would have to rely on the banks accounting at the end of the day to correct the error. 

The next day my account was credited with the missing {$3000.00}, but then I received a letter on XX/XX/XXXX, nearly a month later, declaring that the bank admitted to a miscount of only {$400.00}. I have complained several times at various levels and the bank refuses to admit their mistake. 

This is outrageous. I had to deposit my money in a machine that the bank admits makes mistakes, and accept their word for correctly accounting for what they have done, whereas they will not accept my word for the amount I brought to the bank. I handle cash every day in my business, as I am a state employee of the Commonwealth of Virginia, and have been a Store Manager for  The Department of Alcoholic Beverage Control ( ABC ) for 18 years. I know how to manage and count cash. I would like the remaining {$2500.00} returned to my bank account. 

I attach my original complaint letter to the CHASE bank, and copies of two letters from the bank, one apparently admitting their mistake and the other changing their conclusion. 

I would greatly appreciate your agency helping me settle this bank matter as soon as possible. 

Respectfully, XXXX XXXX XXXX