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

Never gave authorization for my credit to be pulled to these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I recently was trying to obtain an account and checked my full credit report. At that time I saw debts that do not belong to me. Someone has obtained my personal information and i'm not exactly sure when or how but i'd like to rectify this situation. Here are the account numbers XXXX XXXX # XXXX XXXX XXXX XXXX XXXX I have several inquires I never applied for account with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A XXXX credit was opened in my name sometime in XXXX. I notified XXXX that credit card was not mine. That the card was opened fraudulent. They informed that would take care of it. I now get at least 30 calls a day from Jefferson Capital who owns the debt. I have attached the call log from XX/XX/XXXX.
Product: Credit card or prepaid card

I am always sent preapproved and preselected marketing information from Chase inviting me to apply for credit. When I respond to the solicitation, I always receive an unfavorable response with one excuse or another. I called the Chase Reconsideration Department on XX/XX/2018 at XXXX to discuss my application and the representative told me that people like me are a risk because I have opened too many credit cards in the past two years. I have explained to Chase that I am low risk as I am a current business banking customer and have an established credit profile with a credit score above 750. 

Chase is unscrupulous in their business dealings within the XXXX XXXX   community with a different set of standards on how to engage. Despite many years running a successful and profitable enterprise, Chase regularly discriminates against credit applicants such as me on the basis of race and color. The actions of Chase Bank are despicable but the reality of it is nothing is going to be done about it. Worse case scenario, Chase will admit no liability and pay a fine which is ultimately paid by the customer.
Product: Credit card or prepaid card

I rented a car from XXXX rent a car on XX/XX/XXXX. XXXX took an initial authorization on the account for XXXX. I extended the rental and and they took another authorization on the card to cover the rest of the rental. The charge for the full amount of the rental of {$420.00} was posted on {$420.00}. There is still a authorization hold on my account for {$300.00}. I called Citi multiple times and was told the hold would be on the account for 30 days. I called XXXX credit card release who told me they sent the release on XX/XX/2018. She called over to Citi to get the authorization released. They told her there was nothing they can do. How can a company hold a pending charge for 30 days when XXXX told them they released the hold. This is unacceptable as a company policy. I spoke with supervisor XXXX from XXXX credit card release who called Citi directly with me on the line. She inquired on how to get this resolved and was told they had no process and just had to wait 30 days.
Product: Payday loan, title loan, or personal loan

I applied for a loan online with lightstream a couple of years ago the process great. Me and my wife completed a joint application two days ago for a loan. We got an email stating to call company to answer a couple more questions. I called company and was ask some general questions about what were going to do with money ( home remodel ) and had we made any major purchases. The representative seemed hesitate while asking questions. I then get a denial letter stating that are income was not enough to cover the loan. I called back to ask about the income and the ratios of our debit and was not given a logical reason for denial. I ask to speak with manager or have loan review by someone else because I felt like we were be discriminating against. XXXX the representative said that she didnt know who could handle that at company and she had be working for 7 years and had never seen discrimination, dismissing my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a complaint with CFPB Complaint ID # XXXX In regards to Equifax allowing a deleted collection account from a year ago, to report again. I submitted police report and evidence that the account was deleted in XX/XX/XXXX. 

On XXXX XXXX, I received a letter from Equifax asking me to submit my license and a utility bill to verify my identity. That they could not find my file using the information I provided. 

HOWEVER, on XX/XX/XXXX, I uploaded my license and utility on Equifax.com to remove an address that didn't belong to me. 
I also spoke with a representative the same day and created the initial dispute for the collection account in question. 
It was at that time, that the representative stated that she " updated '' my file. 

Due to the NEGLIGENCE of Equifax representatives, who verified that they were able to view my license and utility bill that were submitted. I am being asked to repeatedly provide the same information multiple times and my issue isn't getting solved at all. 
They also do not show all relevant information pertaining me as XXXX and XXXX do. 
This is all an error on their part. They are refusing to correct the problem while stalling with asking for the same information that I have provided very recently to several representatives. 
If they do not have the proper information on my credit file, how are they " verifying " that the disputed accounts belong on my file? 
This is outrageous and not at all my fault.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Crediting Reporting Act ( FCRA ) to reasonably re-investigate disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection ( CFPB ) bureau recently filed a lawsuit against XXXX, alleging systemic issues, such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of disputed outcomes adequately. These failures align with my experience where experience has neither corrected nor removed disputed items. Despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as experienced in action, valleys, federal law, and my rights as a consumer.
Product: Credit card

In the process of Moving i have misplaced my ID some years ago and i also remember seeing email regarding my information being part of the data breach.
Product: Checking or savings account

An offer letter was received in the mail to open a new account. I opened the account on XXXX, using unique offer code ( XXXX ) and set up a qualified direct deposits to be directed to this new account. If the above was met and {$4000.00} in direct deposits were received within 90 days of account opening, a {$300.00} bonus would be deposited into the account within 60 days. The qualifications were all met on XXXX ... and several BoA customer service reps. confirmed same. So, the bonus should have been deposited by XXXX. As of XXXX, it still has not been done. 

Called on XXXX an spoke to rep. She confirmed that all qualifications were met on XXXX. 

Called on XXXX, spoke to XXXX. He also confirmed that all qualifications were met on XXXX. This was after first rep. spoke to said that qualification wasn't met?! He said he sees this often, that the bonus is deposited after the 60 days and assured me it is likely it would be deposited the first week in XXXX. He filed a 'complaint. ' I trusted him but it was not ... 

Nothing came of last call so I called on XX/XX/XXXX and was on phone for > 2 hours and spoke to about 4 people of increasing authority, ending with XXXX. Escalations were filed, XXXX said he would call me back ... XXXX said all looks fine and bonus is in line, one rep. said they still have more time to pay the bonus, etc. It was all over the place. XXXX seemed to understand and want to help, but still not word and no bonus. 

I was thinking this was isolated to me, but am thinking this might be a systemic problem in order to pull in new customers ...
Product: Credit reporting or other personal consumer reports

Theres a collection account on my XXXX, Transunion and XXXX credit report called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX for a balance of {$4100.00}. This not my account and should be deleted of my credit report. I'm going to try to upload some government ID 's to help prove my identity.
Product: Credit reporting or other personal consumer reports

I was notified by XXXX and XXXX today that a credit inquiry was made by capital one. I called XXXX and they flagged it as fraud. I also initiated a credit freeze on my report. I then called Capital One who verified TWO inquires/new applications ( one denied and one pending ). They marked both as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information, including location, social security number, and credit account history, was not secured properly and obtained by outside parties that I did not consent to give information to.
Product: Money transfer, virtual currency, or money service

hello consumer finance, these people lied to you, I got all the evidence, with screenshots, they told you with a message to do exactly what I have in the screenshots. 

This is shameful, they responded you with a lied about me having a duplicate accounts, that's pointless they lied to you shamelessly. 
They don'f know how to recover funds, & they don't want to pay neither.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to permanently remove my name from the list that Consumer Credit Reporting Companies, XXXX, XXXX, XXXX, and Transunion, provide to businesses that send firm ( pre-approved/ pre-screened ) offers of credit or insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND FOR SETTLEMENT OF UNATHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to AggravatedIdentity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition tocivil liability. By obtaining my CREDIT BUREAU consumer credit report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. supp 2d711 ( S.D Ind.2003 ) I have not initiated any transaction with COMPANY NAME. furthermore, I do not have anaccount as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review for collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}.
Product: Mortgage

The Law is the Law! Statue of Limitations law and laws for violating peoples rights are listed below. 

MGL Chapter 265 Section 37 MGL Chapter 260 Section 2. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section one or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.
Product: Mortgage

In XX/XX/XXXX I contacted BBVA Compass Bank regarding my HELOC. I advised that due to several factors ; loss of a job, extended unemployment and closing of a business, I could no longer afford to pay my normal payment. I was able to put 2 payments to the end of my loan and apply for a modification to address ongoing payments. On XX/XX/XXXX I submitted a Borrower Assistance Package and asked for a temporary modification. Over the course of approximately 2 months I provided all additional requested documentation and waited for what I hoped would be a positive outcome. On or about XX/XX/XXXX I received a letter dated XX/XX/XXXX that my request for a modification was declined because the underwriter felt I could afford my regular payment. I also confirmed this via telephone conversation. The information provided showed that my average gross monthly income was approximately {$5000.00} and that my estimated expenses were {$5500.00} not including food, utilities and medical expenses. I have seen a lot of loans in my career and this does not equate to anything a lender would approve. My debt-to-income is over 100 % based on these # 's. I do n't believe the underwriter gave my request fair and accurate assessment. Interesting that as part of the declination letter they gave me options to add to my loan balance to increase my payoff later or to increase my monthly payment higher than what I was looking to obtain relief from. In the mortgage business I have seen dozens of borrowers who were in much better financial ( income ) than I am and have obtained for lenders who were interested in helping customers who had a long record of on-time payments. This is the only time in my entire life that I have been faced with this financial crisis. This was not due to financial mismanagement but due to unforeseen life occurrences ( laid off from job, unemployment and failure of a business ). I believe their approach is to deny modifications to build up amounts due on homes that have some equity, knowing they will get more funds later or to keep loans that pay a higher rate to accumulate interest. My rate was already high at 6.25 % and they have now raised the rate on my mortgage to 18 %. My balance has gone from approximately {$97000.00} to almost {$100000.00} in just 3 short months. How can this be legal and how can this be the alternative to a justified modification? I am asking for assistance to mediate this request for a modification and to determine whether their process, increased interest rate and declination was legal.
Product: Checking or savings account

XX/XX/2022 {$1800.00} was taken out of my Chase Bank account via in person withdrawal. XX/XX/2022 XXXX {$500.00} was taken out of my account via ATM withdrawal. Chase Bank text me a fraud alert at XXXX on XX/XX/2022 if I was trying to withdrawal {$1000.00}, I text no and they stopped the withdrawal. Then an hour later a fraud ATM withdrawal took out {$500.00}. I never setup up cardless ATM withdrawals and my debit card was with me. 

Chase returned the {$500.00} on XX/XX/2022 then took the {$500.00} back out of my account on XX/XX/2022 because they stated it wasn't fraud. But it was fraud. 

Also Chase bank returned my {$1800.00} back that was taken in person withdrawal. But its confusing that someone took my money out in person without my information. 

I also made a police report today around XXXX XX/XX/2022 via online.
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 : XXXX XXXX XXXX has violated my rights. Or a 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

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX
Product: Checking or savings account

Im unable to access my funds. I opened this account in late summer 2022 and deposited around {$5000.00}. My account has since been locked, Ive tried providing the requested documentation multiple times but my account remains locked. Each time I attempt to contact customer support, hold times are thirty minutes or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved. I am filing this compliant for misleading false reporting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes for collection accounts and I don't believe that any of the credit reporting agencies are performing actually investigations. Results are returned far too quickly and nothing changes. 

Secondly, I want to complain about the formulas the agencies use to calculate credit scores. Multiple times I have had a credit score decrease after paying off a loan. How can my score decrease by paying OFF debt? They all seem like scams that give lenders an excuse to charge higher interest rates on loans and lines of credit.
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : | have recently been informed that there is negative information reported by US BKPT CT FL XXXX XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XXXX. The entry with Reference XXXX filed on XXXX with this court appears to be inaccurate. Apparently, not on was the case never discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never missed a payment for XXXX XXXX XXXX , XXXX . Please investigate, according to my records I have never missed a payment.
Product: Credit card or prepaid card

After doing a minor audit I found a fraud charge I then immediately reached out to file a claim which was denied in a letter sent to me saying that because I make my payments on time this must not be fraud this is not right in my opinion as just because im in good standing with my credit card company. 

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

TO WHOM IT MAY CONCERN, IM REACHING OUT BECAUSE MY CREDIT REPORTS SHOWS THAT I HAVE SOME INFOMATION THE IS AN ERROR AND I HAVE REACHED OUT THE BUREAUS AND INFORMED THEM BY MAIL AND I HAVE NOT BEEN NOTIFIED OF ANY UPDATES IN ALMOST 30 DAYS. I WANT TO MAKE A COMPLAINT.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a review of my credit report I found that Transunion is still reporting inaccurate information. Their failure to correct my report is going to cause a delay/ denial in a job for a per employment credit check at a bank I have applied with. In addition their failure to correct my report negatively affects my chances for future credit that I will be applying for. Specifically they continue to report outdated, inaccurate, and incomplete information. 

My current address is as listed in this complaint. 

They failed to correct this in my last complaint. 

XXXX XXXX # XXXX The payment history is inconsistent, inaccurate, and Transunion legally failed to verify. 

XXXX has removed the payment history for this account as it could not be verified. 


In addition to failing to correct my address and other violations they have shown a pattern of neglect. Specifically, No response to disputes, Failure to investigate, Willful negligence. 

XXXX XXXX has also had a pattern of not responding and verifying information. The have an F with the XXXX XXXX XXXX for that exact reason. 
Overview of XXXX Ratings XXXX XXXX XXXX XXXX. 
Reasons for Rating F XXXX XXXX XXXX XXXX. 
Failure to respond to 6 complaint ( s ) filed against business 159 complaint ( s ) filed  against business
Product: Credit card or prepaid card

On XX/XX/XXXX I mailed my payment to this credit company. They received it on or before XX/XX/XXXX, then delayed in crediting my account until XX/XX/XXXX so they could add a late fee on XX/XX/XXXX. They even lied that they had not received it when I called them on the evening of XX/XX/XXXX, when it had been in they possession for over a week! 

On XX/XX/XXXX, I reminded them that Federal Law require the account be credited on the date it is received and requested they follow the law. The next day XX/XX/XXXX, they replied with a denial, claiming their company policy ( of applying the payment within 5 business days ) is the requirement.

Their admission verifies a violation of Title 15 U.S. Code, Chapter 41, Sub I, Part D, Section 1666c which states in part : Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligors account as specified in regulations of the Bureau. Such regulations shall prevent a finance charge from being imposed on any obligor if the creditor has received the obligors payment in readily identifiable form, by XXXX p.m. on the date on which such payment is due, in the amount, manner, and location indicated by the creditor to avoid the imposition thereof. 

I have a photocopy of my check with their penned noted " XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ''. So the payment I sent on XX/XX/XXXX was received on, if not prior to XX/XX/XXXX. Institutional delays and procedures do not trump the Federal Law. 

-Documentation ( including the check, email messages, and phone logs ) available upon request-