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

On XX/XX/2021, at XXXX I checked my XXXX XXXX with Experian XXXX which was at a level of XXXX. The next morning at XXXX, I checked my credit score again to find it at a level of XXXX. My credit score had been decreased by 14 points in a matter of 7.5hrs. My credit score has been holding firm with XXXX then a ONE point increase for atleast 4 months. There have been no negative activities in connection with my credit what so ever. I have received a credit card increase twice within those 4 months previously mentioned. My bills as-well-as 3 credit cards have been paid in full for the last 12 months. Why and how is this possible? How do you increase ONE point for good work then turn around and decrease 14pts for no apparent reason? ( In a matter of 7 overnight hours )
Product: Checking or savings account

I had three accounts with TIAA Bank, a checking account and two savings accounts. I closed them in XX/XX/2022, so I need a 1099-Int form to complete my taxes. But TIAA has not sent the 1099 by XXXX XXXX  or by e-mail. In addition, I can no longer access the accounts online because they are closed. I called TIAA Bank, and they said they would email me a 1099-INT, but they have not sent one.
Product: Credit reporting or other personal consumer reports

I DECIDED TO TAKE A LOOK AT MY CREDIT FILE AND NOTICE THESE FRAUDULENT ACCOUNTS LISTED ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In or around XXXX, 2019 I went shopping for a car from dealers that specifically stated they are a " buy here pay here with no credit check. '' I bought a car from XXXX XXXX XXXX in XXXX, GA and did NOT consent to or sign any consumer/ credit check request form because it was not required. That was the main reason I went to this type of dealer because I did not want anybody running my credit. 
However, a few months ago I noticed a hard inquiry on my credit by Microbilt -supposedly conducted for an auto reseller on XX/XX/2019. I immediately called the number listed for Microbilt but I could not get anyone over the phone. I kept calling and leaving messages but to date nobody has ever returned my calls. The company does not provide any option to send an email or dispute online. Ii tried to dispute with the credit bureaus but I was told that for this kind of dispute I have to dispute with the furnisher/provider of the information. I went back to the dealer to inquire why they had Microbilt run my credit without my consent and they categorically doing that and restated their earlier position that they are a " buy here pay here '' company that does not do any credit checks. I have since tried unsuccessfully to get Microbilt to remove this inquiry from my credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed this information is inaccurate and may violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to consumer reporting agencies be accurate and complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have been sending uncountable letters appealing to Transunion to confirm the disputed items and take out them if unable to show that the Items are mine. I have been a victim of Identity Theft and the accounts I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Transunion is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Transunion about the theft of my Individuality and that the items were never mine, Transunion never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, XXXX, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) I need the following items removed now! 


XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/20XXXX XXXX XXXX Inquiry Date XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Funding LLC is reporting XXXX on my credit report so I called to ask for an settlement and now its XXXX and they stated they didnt know why the amounts were different. Told them to remove account from reporting until investigation is over and they declined.
Product: Credit reporting or other personal consumer reports

3 days ago I realized my Equifax score dropped over XXXX points which was crazy to me in a matter of a day, there were remarks added and now I notice on XXXX XXXX ( XXXX ) collections on Equifax but when logging onto Equifax there have not been any collections reported. Please delete or update as it was prior to this data error. 

My Equifax score 3 days ago days was XXXX and as of XXXX it changed to XXXX it decreased over XXXX points and I cant figure out why. I looked to review any changes via XXXX XXXX and it stated there were over XXXX remarks added! Initially, I had not realized there were collections being reported, they are being reported via credit karma. When I login to my EQUIFAX credit report there are no collections. 

I have attached a file of credit karma as well as a report from Equifax on XXXX and XXXX where there are no collections reported. 

I am not sure whats going on but it looks like my data is getting mixed with someone else. 

Thank you
Product: Mortgage

I have contacted XXXX XXXX  three times regarding the remaining escrow balance for a paid off mortgage loan. I have sent three emails via their " Contact Us '' link within my mortgage servicing portal. The loan was paid in full on XX/XX/2019. My inquiries have been to understand when the funds sitting in my escrow ( approximately {$6000.00} ) will be released to me as required. 

On XX/XX/2019 XXXX ( Employee ID XXXX ) indicated to me that it takes 15 calendar days to issue payment, and an additional 7-10 business days to receive the check. I explained to XXXX that it has been 19 days since payoff and asked if a check has been issued. She explained the funds were issued on XX/XX/XXXX, however could not explain why the funds were still showing in my escrow account. Additionally, when I asked for the check number and amount, she was unable to provide the check number or confirm the check was actually issued. Further, when requesting a supervisor twice, I was told they were in a meeting ( first time ), or the wait was going to be 45 minutes ( second request to speak with a supervisor ), indicating they did not want to escalate my concern. 

My funds should be receiving interest for any delays in payment and I would like to know why the company refuses to respond to my reasonable inquiries of obtaining funds owed to me since XX/XX/XXXX in the amount of {$5900.00}. 

My email inquiries include : # XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Back.Inc ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address Fraud on their platform, leaving my account vnlnerable and unprotected. Furthermore, their dispute, resolution process was unfair and deceptive as they did not comply with error resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Early Warning Services ( EWS ) gave me a report that listed the transaction I have with XXXXXXXX XXXX XXXX XXXX XXXX XXXXk, and more. This should not be the case ( EWS ) is violating long standing privacy laws, rules, and Acts. A notable one is under 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Early warning services is a third party non affiliate and did not gain my permission for believe or in writing. 
This is a violation of my privacy. I ask for early warning services. If you have reason to believe that you do or are you allowed to have this information and to report set information? Please provide me with proof Add with proof that any of the affirmation Financial institutions gave you this.

And at this does not go against their privacy statements.15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 6803 - Disclosure of institution privacy policy,
Product: Debt collection

Specialized Loan Sevicing ParXXXX of the XXXX XXXX is has committed identity theft and attempting to commit fraud. They are trying to collect on note that has been paid for. They have not verified any proof by sending me a certified accounting/true bill of what they claim they are entitled to. I never subjected myself with a contract with the company. I will be filing a local police report of attempted identity theft and fraud. 

UCC 1-308 All Rights Reserved, w/o Prejudice.
Product: Debt collection

I received my credit report and noticed a collection. XXXX XXXX XXXX is reporting an unverified debt in the amount of {$9700.00} that I allegedly owe them. I mailed a certified letter dated for XX/XX/18 and requested validation of this debt. They are in violation of the Fair Debt Collection Act as they must validate, verify, and prove all debt with 100 % accuracy. If they do not, reporting should cease. XXXX also must provide proof of any debt that I allegedly owe with copies all items in asked in letter. I have attempted to dispute this matter through XXXX, XXXX, XXXX, and XXXX to no avail. XXXX has failed to validate and answer my questions as requested. As of XX/XX/18, this debt is still reporting on my credit report despite my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express keeps reporting a " hard '' credit inquiry on my XXXX  credit bureau report. 

This inquiry is from XX/XX/XXXX and is too old to be listed on my credit files at XXXX.

It is definitely hurting my credit score and ability to obtain a loan.
Product: Prepaid card

I received an email notification suggesting I have a monthly statement available for an American Express Serve card. I visited the site and upon completing a forgotten password routine and accessing the account I was informed that my account had been created and that I would receive an American Express Serve Card in the mail within 7-10 days. I promptly called American Express wishing to put a stop to receiving a Serve card to close the account. I was informed I had a {$1.00} credit on the account from a promotion through XXXX XXXX XXXX and that American Express would have to mail me a check. Once I receive the funds I could then call and close the account. I looked up the terms of the account and found that the card has a $ 1 monthly fee associated with it and am not comfortable receiving a check without closing the account as I do not wish to have a balance due or have any obligation to American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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

To Transunion To Whom It May Concern, This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING. 

1. THE ACCOUNT IS IN VIOLATION OF U.S CODE 1981a ( 4 ) CONSUMER RIGHT TO PRIVACY. THIS BANKRUPTCY SHOULD NOT BE ON MY CREDIT/CONSUMER REPORT XXXX  XXXX Bankruptcy Case Number : XXXX THE BANKRUPTCY COURT TOLD ME THAT THEY DO NOT FURNISH THIS INFORMATION TO ANY CREDIT REPORTING AGENCIES. THIS IS A VIOLATION OF Fair Credit Reporting Act, 15 U.S.C. 1681g AND WITH THAT I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILES AT THE TIME OF THIS REQUEST CONCERNING THIS ACCOUNT THAT YOU ARE REPORTING IN MY CREDIT REPORTA 2. 15 U.S code 1692e False or misleading representations. FDCPA Section 807 Violation Misleading False Reporting. 15 U.S code 1692f-Unfair practices XXXX Account Number : XXXX**** Please remove it from my credit report.

3. 15 U.S. Code 1681i - Procedure in case of disputedaccuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputedaccuracy XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXXXXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX U.S. Code 1681e ( b ) REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX - Account XXXX XXXXXXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity Fraud XXXX  Fair Debt Collections Practices Act 15 USC 1692g violations. 
XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Equifax, and XXXX  several times via phone and online on many occasions in regards to inquires that I did not authorize or was not familiar with.I get the same results, it makes look like i have been begging for credit and i have not.I am trying to get finance for something and it makes it difficult when they are checking credit and i inquires from places I didn't inquire credit from.I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies need to either send of validation or it needs to be removed. The following inquires that were not authorized are the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX I
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXXO Account Number : XXXX and list of Inquiries. 

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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have macys credit card and one day I found in the mail that my account got closed, they didnt notify me or even mention any reason for that decision.
Product: Credit card

On XXXX XXXX, 2015 I went to a Capitol One Bank in XXXX to withdraw cash on my credit card while waiting for my PIN number to be mailed to me. I withdrew {$50.00} in cash. The next day, I discovered that I was charged a {$10.00} Cash Advance Fee.. 
The card number is : XXXXThis was originally an ING Direct account. As you know ING Direct was forced to sell their American holdings to Capital One a couple of years ago.
Product: Credit reporting or other personal consumer reports

XXXX5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Mortgage

XX/XX/2023 XXXXUS Bank granted an Unemployment Forbearance for 12 months ( no documentation is required ) however I provided them all of my unemployment documentation from the State of Florida employment termination letter ; ect. 

XX/XX/2023 - Received letter that unemployment forbearance is being revoked- no explanation- just an ambiguous letter causing confusion. 

XX/XX/2023 - Fax sent to US Ban Case Manager
Product: Credit card or prepaid card

I complained about not receiving bills online or if payments were late, Bank of america continued to report to my credit bureau without making any contact with me. While I was in the XXXX  bank of America continued to report my account the credit bureaus and then closed the account after the account was on autopay. 

They have never sent a bill or collections letter, or a late notice. closing the account was premature and question how they handled the entire situation.
Product: Credit reporting or other personal consumer reports

I asked trans union and XXXX to delete the fraudulent inquires on my credit report but it has not been done. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$610.00}