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

TRANSUNION CONSUMER SOLUTIONS HAS PLACED HARD INQUIRIES ON MY CONSUMER REPORT THAT I DO NOT RECOGNIZE, HAVE NOT GIVEN AUTHORIZATION, AND/OR PERMISSIBLE PURPOSE. BELOW ARE A LIST OF HARD INQUIRIES THAT NEED TO BE REMOVED FROM MY CONSUMER REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX THE FOLLOWING ACCOUNTS HAVE BEEN CLOSED AND I AM REQUESTING THAT THEY BE REMOVED FROM MY CONSUMER REPORT XXXX XXXX XXXX XXXX XXXX CLOSED XXXX XXXX, XXXX ( DO NOT RECOGNIZE ) ( XXXX ) XXXX- CLOSED XX/XX/XXXX ( XXXX ) XXXX CLOSED XXXX XXXX, XXXX ( XXXX ) XXXX- CLOSED XXXX XXXX, XXXX ( DO NOT RECOGNIZE ) XXXX XXXX XXXX XXXX CLOSED XXXX XXXX, XXXX ( DO NOT RECOGNIZE ) ( XXXX XXXX XXXX CLOSED XXXX XXXX, XXXX ( DO NOT RECOGNIZE ) ( XXXX XXXX XXXX XXXX- CLOSED XXXX. XXXX, XXXX THESE ADDRESSES LISTED BELOW NEED TO BE REMOVED FROM MY CONSUMER REPORT BEING THAT THEY ARE NO LONGER MY PLACES OF ABODE : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PERMISSIBLE PURPOSE VIOLATION 15 U.S.C. 1681b CIVIL LIABILITY SECTION 813
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a complaint under XXXX XXXX XXXX XXXX XXXX the credit agency stated still in review on XX/XX/XXXX the responded to me verified. 

Now how is this possible its fraud and the company reporting is fraudulent as they are reporting an address I dont live at and also I have never done business with them. 

There is no written documentation giving them consent to do business with them or having financial obligations
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

The late payments mentioned do not reflect my regular payment behavior.
Product: Checking or savings account

XX/XX/year> @ XXXX PM : I receive a text from Chase XXXX asking if I just bought merchandise from XXXX XXXX XXXX. in the amount of {$420.00}. I respond, NO. My debit card is shut off at that point. 
I call Chase and speak to their Fraud department. In that call, the individual on the phone tells me ( didn't know anything until the call ) that I charged {$540.00} at XXXX XXXX XXXX. I tell him, no. That wasn't me. Both charges were reversed and then charged back to me. The reasoning is that I received the merchandise. I told them, then you need to charge me with Fraud. That is Fraud, period. They had no response on numerous calls I've had with them. What actually happened is the thief printed off the invoice for both purchases and physically picked up the merchandise without having provided or asked to provide an ID! So, they just walked in and showed the invoice as was allowed to leave!
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I have no information about them, and the company conducted this without my permission.
Product: Mortgage

I have a mortgage company through the XXXX XXXX XXXX XXXX. I was approved for a Covid forbearance with my mortgage company. I was approved for three months and then an additional three months. And I was in the process of getting my mortgage assessed again for an additional three months. In that timeframe, my mortgage company was switched. When I originally did the forbearance, I was informed that I can have The amount that I had to pay back placed at the end of my loan. The company that was switched told me that I have to pay back all the amount or I will be placed in foreclosure. Explained that I did not have the money at the time and I can do a repayment plan. So I was placed on a repayment plan prior to the Covid forbearance I never missed one payment on my mortgage. My mortgage was always on time. Since I started the repayment plan, I have never missed a payment. The current mortgage company calls every day to tell me that I am late on my mortgage. They send me letters in the mail and they are charging me late fees and additional they are charging me certified delinquency letters as fees on my account. I have reached out to the mortgage company previously and they said it was their mistake so they claimed they removed the late fees. I continue to get late fees and I reached out to them again and nothing has been done. I reached out to XXXXXXXX XXXX XXXX and nothing has been done. I explain to them since I was I was not supposed to be charged late fees. Please I can use some assistance. Im not sure where to go because I continue to get late fees and additional fees.
Product: Debt collection

This collection agency is using unethical tactics to collect a debt. I requested the following information from them to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving them the authority to collect the debt, and a complete accounting / statement of payments with interest and fees to validate this debt.
Product: Credit reporting or other personal consumer reports

I see that TransUnion, XXXX, and XXXX are reporting some Inquiries on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. TransUnion, XXXX, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TransUnion, XXXX, and XXXX are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

This is a formal request to you that I would seek for your assistance in correcting the accounts but time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of and kindly help me to correct this accounts : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX : {$50000.00} XXXX  XXXX Balance : {$810.00}.
Product: Checking or savings account

On XX/XX/2023, I tried signing into my online account. When signing in, I got the message, " Activate Your Card Your debit card must be activated before you can sign on. If you havent received your new card yet, please allow XXXX business days for it to be delivered to your mailing address. '' I only have XXXX products with Citi- a savings account ( ending in XXXX ) and a credit card ( ending in XXXX ). Why after opening my savings account over a year ago is the online access requiring me to active my XXXX debit card? A card that I tore up and threw away within the first week of opening the account online. My intention was to make this account 100 % online - paperless and no physical card. Because of this, I can not access my account online and access my funds when I have bills to pay. 

I called Citi on XX/XX/2023 and spoke with XXXX regarding the situation. The only way to proceed was to pass their security question. I needed to provide the full savings account number or provide the mother 's maiden name. 

How can I provide the full savings account number when I can not view my statements online anymore? When the rep asked for my mother 's maiden name, it did not match their system. There are no Citi branches near me location. The only option he gave was to send a letter to Citi 's office at their XXXX XXXX Texas address and to request a debit card. A process that will take several weeks. Therefore, unable to access my funds for several of weeks. 

I received no warning this was going to happen and I'm now unable to access my savings account now. This is my second formal CFPB complaint with Citi. After this I'm completely done banking with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America, the information you are providing to the consumer reporting agencies is inaccurate and incorrect. This erroneous reporting has had a significant negative impact on my character, reputation, overall lifestyle, and ability to secure credit for personal and housing needs. Your inaccurate reporting has caused substantial harm to my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, This letter is to attempt to inform you what happen during my visit to XXXX XXXX dealership while I was getting my car serviced for an oil change. While waiting to get my car serviced, a sales person asked me was I getting help. I said to her that I'm getting an oil changed. But I also asked her about the cost of a newer vehicle? She asked me about my credit score and I told her then that I did not want my credit pulled. I also told the manger the same thing, he reassured me that it would be a soft pull. But I am just finding out after my bankruptcy and checking my credit report that they indeed pulled a hard copy of my report all on XX/XX/2021, to the following XXXX, XXXX, XXXX  XXXX, XXXX, and XXXX XXXX  to review a possible loan to get a vehicle. 

I want this list of hard inquires deleted from my report as soon as possible. I really appreciate your prompt attention to this matter. 
Sincerely, AHP Rushmore has reported that I was 180 days late with my mortgage payment. Which is not true. I was sent a leger from Rushmore to prove that I was not late with my payment during anytime of my bankruptcy from XXXX. I would like for Rushmore to remove the 180 days late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked to see that all those months I have been paying these accounts on time, the Credit Bureaus are reporting late payments on these accounts, which is just outrageous. I do not believe I am late on the date the Credit Bureaus report. Their records are not consistent with my own, and I firmly believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I am requesting the Credit Bureaus to please investigate this account thoroughly and correct any inaccuracies for legal accuracy. It is crucial that my credit report reflects the correct information to avoid any negative impact on my creditworthiness. I need the Following Accounts investigated and corrected for legal accuracy : XXXX XXXX Balance : {$7300.00} XXXX XXXX Balance : {$78000.00}. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. The inclusion of inaccurate information violates my rights and can lead to severe consequences for my financial well-being. I kindly request a swift and thorough investigation into this matter and have this account corrected without further delay.
Product: Credit reporting

I had a credit card with XXXX. I was charged on my account with a charge for a service which I did not receive. I objected to the charge, but XXXX XXXX investigated and refused to remove it. This was for a service I did not receive and refused to pay the charge. I closed the account, but XXXX XXXX continued to add interest and late charges and the total bill increased to {$550.00}. This was never a legitimate charge. 
I went to the hospital with a XXXX. I was misdiagnosed in the hospital, got XXXX for nine weeks as a result until later finding medical help. I called the hospital and refused to pay my share of the hospital bill because I was misdiagnosed. The hospital refused to give me credit and subsequently submitted my bill for collection and it wound up on my credit report. This is not a legitimate charge which I had the right to refuse to pay and it should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Security freezes and fraud alerts were not removed per my request. Also, I never requested them to be added.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to let you know that I am a victim of identity theft. My personal data was compromised and Fraudulent charges were included in my name without my knowledge and approval. I sent my dispute to this company on XXXX stating clearly that I was a victim of identity theft and pointed out the account that was affected. By law, this company is supposed to delete any fraudulent account from a credit report in approximately four days after they received the request. But to my surprise, this information is still showing on my report to date. 

For yet another time, this is the account with fraudulent charges : XXXX XXXX, Opened Date XX/XX/2010, Highest Balance {$600.00}, Limit {$500.00} I am looking at filing a lawsuit against this company if it fails to comply with the law Attached herewith are the dispute letters and proof I sent this company earlier.
Product: Credit reporting or other personal consumer reports

I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit card or prepaid card

Chase customer service refuse to help when XXXX XXXX XXXX charged my credit twice for same future service which is in XXXX when I disputed the charge they're saying you can't get refund from the service, because it's already paid, but they are charging me twice for same thing. And Chase customer service refuse to acknowledge the fact I'm being charged for twice and can't dispute.
Product: Credit reporting or other personal consumer reports

I discovered an inaccurate repossession report on my credit report related to my XXXX XXXX XXXX XXXX account. The information is incomplete, and the creditor has failed to provide essential documentation to verify the validity of the repossession. This includes missing the original loan agreement, payment history, deficiency balance, and proof of proper notification, all of which violate the Fair Credit Reporting Act ( FCRA ).
Product: Credit card

Paid online business XXXX in XXXX XXXX to make money. 7 months later did not make a XXXX. Confronted business again on why I am not making any money. They kept stalling on telling me, then they disappeared. I contacted my bank in XXXX XXXX since the charge was over 60 days old, they said XXXX. And they said cant help you. I didn't like their answer, so I wrote a letter on XXXX XXXX, XXXXcomplaining to the CEO of US Bank, XXXX XXXX XXXX. Have not heard back as of XXXX XXXX XXXX. Now I find out that the FTC is involved and they shut this online business XXXX XXXX down. The bank knows this, but my dispute is over 60 days old, so they said XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I ordered a couch and a dining table from Macy 's in XX/XX/2020. I was told it would take 2 months to come in. At the end of XXXX, I called to inquire about an estimated delivery date. I was told that the table had been cancelled. Due to not being notified of this, Macy 's offered me a credit towards the price of the couch. 

When the couch was delivered in XXXX, it arrived in the wrong fabric and color. After >8 phone calls to Macy 's to set up a return on this couch and to get the correct fabric/color ordered on the new couch, I had cumulatively spent over 12 hours on hold. I was told several times that someone would call me back to get the new couch ordered, but on each occasion I never received a call. I finally got a manager who  apologized and offered a discount on the couch for the inconvenience. 

When I received my credit card statement, I was being asked to overpay for the couch and that I would receive a credit in the amount of {$290.00} once the current couch is picked up and the new couch is delivered. The email states : " Thank you for your recent inquiry concerning the merchandise you purchased on sales check number XXXX. This email confirms that we requested an adjustment in the amount of {$290.00} due to the concerns that we discussed. This adjustment will be processed once your merchandise has been delivered and charged to the credit account that you provided. '' However, the sales check which is referenced is for {$1100.00} plus {$100.00} totaling XXXX. However, I was told that the {$290.00} refund would be applied to the current amount owed to Macy 's, which is actually XXXX on my bill. The representative ( XXXX ) told me that I would receive a {$290.00} credit on the XXXX, NOT a {$290.00} credit on the sales check which is for XXXX ( there is a discrepancy between the bill and the sales check because I received a credit on the sales check for the inconvenience of a cancelled table order ). 

This issue needs to be resolved and Macy 's has been unable to correctly resolve this after a cumulative 13 phone calls regarding the billing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2014 balance {$41000.00} Called to dispute old balance from XXXX XXXX XXXX be removed from my credit file because it is affecting my credit worthiness. The files were not removed and now Navient has the student loan files showing as closed and transferred still with the same balance of {$41000.00}.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all 3 credit reporting agencies that this account opportune was paid in full and they have not removed this account off of my report as paid. I have attached the paid in full letter.