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

There should be only 4 inquires on my Equifax credit report. All other inquiries where removed due to me closing indentity fraud and placing a fraud alert on my credit reports. i recently had to lift the fraud alert in order to do business with my credit report. And all the old inquires, they had been removed for over 6 months now, all came back in one single night. The only inquires that should be on my report are these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX Bank has not removed an unauthorized hard inquiry or illicit inquiry even though it said it would to all credit bureaus and the FTC/CFPB. Please notify XXXX XXXX XXXX Bank XXXX XXXX the right thing and remove the unauthorized hard inquiry from Equifax. Equifax also confirmed that XXXX XXXX XXXX Bank XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX Bank XXXX XXXX following but still has not acted to remove the Hard Inquiry : " It's our policy to comply with all applicable laws and regulations. We've reviewed the account and found no violations of law. We previously responded to correspondence regarding this same matter with our letter dated XX/XX/XXXX. XXXX submitted another request to the credit reporting agencies to remove the XX/XX/XXXX, inquiry from the credit reports. Were not affiliated with the other company listed in the correspondence. They will need to be contacted directly for matters related to them. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Twice I, a New York state citizen and resident, have attempted to make a purchase at a XXXX website called XXXX XXXX, and though the sum was not large, about {$400.00}, my bank, JP Morgan Chase, at least the first time and possibly the second, blocked the transaction, which in effect killed the transaction, as XXXX XXXX was apparently not informed by the bank that I had confirmed the legitimacy of the transaction. In any event, their software eliminates the billing information I provided as the result of the interdiction. Certainly Chase has a right and an interest in combating fraud. But I am troubled by the idea that a given transaction, simply because it is international, is assumed to be fraudulent and denied, and only then investigated. I daresay that many XXXX of dollars a day in such transactions are thwarted by this policy and practice, which is probably not limited to Chase. I had thought our government, via various treaties, etc., was committed to free trade. I myself have had to go to great lengths to get the order reinstated, and it remains to be seen whether it goes through. I would also mention that Chase 's recorded confirming call arrived at XXXX awakening me, a retired person. I believe such calls should be confined to standard working hours.
Product: Money transfer, virtual currency, or money service

I wired {$4600.00} from XXXX trust to my bank Chase. The money was transferred on XX/XX/XXXX. I later found out that the account information i wrote was incorrect. I called Chase bank and they transferred me to the wire department to start the case ( XX/XX/XXXX ). They gave me a case number wich is XXXX I called almost every day for updates and finally on XX/XX/XXXX they told me, they were unable to retrieve all the money, they were only able to retrieve {$410.00} on XX/XX/XXXX. They said i should get legal actions because they are unable to help me or give me any updates.
Product: Credit card

On XX/XX/XXXX we purchased a pool for {$1200.00} using a Capital One Walmart credit card opened that same day. The pool was returned and we received three XXXX XXXXXXXX on XX/XX/XXXX in the amount of {$210.00} one on XX/XX/XXXX for {$530.00} and one on XX/XX/XXXX in the amount of {$210.00} for a total credit of {$970.00}. Walmart is saying that's the full refund and we have called and talked to numerous people all who say different things. We then disputed the amount of the refund directly with Capital One who is saying we haven't proven our case even though all the numbers are right on the statements. We returned this pool and yet we are not be given our full refund owed.I am beyond frustrated that a company can do this.
Product: Credit card

RE : TD BANK TARGET CARD FDPCA and FCRA Violations ACCOUNT # XXXX My legal representation, XXXX XXXX XXXX has been disputing this account for some time, definitely over a year. I have recently been informed that they are considering a lawsuit in XXXX against me for this. The Creditor is currently reporting the Charge Off 7 months each month post the initial charge off date ( XXXX instances x {$1000.00} ) is {$7000.00} as per the FDPCA/FCRA.

TD BANK TARGET CARD is currently in violation of the FCRA and FDPCA violations for re-aging my debt injuring my Credit.

My credit reports shows the TD BANK for TARGET account continues to be reported as " Charge Off '' each month following the initial charge-off date, which has now extended over a 6 months. Additionally, these items have been disputed in the past by my attorney 's firm, past the 30 days to investigate and yet the inaccuracies persist and have not been resolved in violation of the FCRA and FDPCA..

This practice of re-aging the account is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of credit information. According to Section 605 ( c ) of the FCRA, the date of first delinquency ( DOFD ) should remain unchanged, and negative information should only be reported for up to seven years plus 180 days from the DOFD. Specifically, per Section 623 ( a ) ( 5 ) of the FCRA, creditors are required to accurately report the DOFD and not manipulate the reporting dates to extend the period of negative impact.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), the penalties for violations can include : Fair Credit Reporting Act ( FCRA ) : Section 1681n - Civil Liability for Willful Noncompliance : Actual Damages : You can recover any actual damages sustained as a result of the violation.

Statutory Damages : You can recover damages of not less than {$100.00} and not more than {$1000.00} for each violation.

Punitive Damages : The court may award punitive damages if the violation is found to be willful.

Attorney 's Fees and Costs : You can recover reasonable attorney 's fees and costs if you prevail in your action.

Fair Debt Collection Practices Act ( FDCPA ) : Section 1692k - Civil Liability : Actual Damages : You can recover any actual damages sustained as a result of the violation.

Statutory Damages : You can recover up to {$1000.00} for each violation.

Punitive Damages : The court may award punitive damages if the violation is found to be willful.

Attorney 's Fees and Costs : You can recover reasonable attorney 's fees and costs if you prevail in your action.

The 30 days to investigate and delete is currently forfeit as the errors have been ongoing without correction injuring my credit through XX/XX/year>, possibly XX/XX/year>. 

I am attaching a sample from my recent XXXX report, but the account is in the same state with the other Credit Reporting Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Debt collection

XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
Product: Credit card

Hello, my name is XXXX XXXX. Beginning around XXXX till around the middle XXXX was having a serious of mail theft on and off which had gone unnoticed by my family until creditors began to contact us regarding late payments and overdue statements. We promptly contacted the Police and the USPS and filed complaints and criminal reports and promptly paid off all overdue accounts and supplied the creditors all with our Police Report number given to us by the USPS XXXX XXXX. This case is filed under XXXX XXXX. The XXXX and only creditor which has been giving me a hard time and refusing to refund my fees and correct the late reporting on my credit reports is CHASE. Even the initial representative informed me that in the case of mail theft all fees would be reversed and all late reporting would be changed to current and on time. They are refusing to reverse some fees that had incurred last year from XXXX till about XXXX and the refuse to correct the delinquent past due status from my XXXX and XXXX credit reports from 2015. This is not fair an every unprofessional. I feel like I went through XXXX and back since last year and Chase is not complying with state and company laws and understanding that we were not receiving statements and payment were being mad blindly at the branch according to what the tellers were saying to us. I am very traditional and can not access online statements an such without my children and they are away at college and this company made me feel so distressed and I was in disbelief at how every time i escalated this situation i was being shot down and told NO. I am a great customer, I have never had missed payments before this unfortunate incident. I bank and save with Chase and i was paled at their lack of graciousness or professionalism. Many many times they made me cry and yet they had no heart or curtesy to correct that which was in their jurisdiction to correct. I would like an investigation into their REFUSAL to follow the law and their own optics and even the states policy on mail theft and creditors. I have attached my apology letter that the USPS informed me to give to Chase and all of my other creditors and i gave attached it to this complaint along with my ID and Social Security number. This letter contains my postal police 's case number on it. Which can help verify my situation. Please force this awful and aggressive company to follow the law and not treat its own customers like suspects and understand that things happen and they are responsible to help customers not hurt them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report that I need verified. I never had an account with this company XXXX XXXX XXXX XXXX XXXX. Why is this reporting on my credit report? I reported this account before and I do not believe that an investigation was done.
Product: Student loan

I have a private loan and a few federal loans that I took out when I attended XXXX XXXX from XXXX. 

In XXXX XXXX XXXX, the Department of Education reached out to me regarding my federal loans and that I qualified for a discharge solely based on misinformation that the college presented to me regarding job prospects and opportunities. I heard that there was a similar program for private student loans last year. So, in XXXX, I filed a complaint with Navient, the holder of my private loan. However, they never got back to me. They switched the loan over to XXXX later in that month.
Product: Money transfer, virtual currency, or money service

Unfortunately, I have fallen victim to a scam transferring funds to someone through Zelle from my bank account. Sunday XX/XX/XXXX I had sent {$1000.00} to someone I thought I could trust from XXXX who was claiming to be helping people become " XXXX investors '' by sending money to him in return, receive a larger payout. I was told there would be " XXXX meetings '' with the " investors '' in which they would send the payout through check by mail within a couple days. I was not thinking straight and I just wanted a quick way to earn cash so everything I was being told seemed legit about how the process worked. I only started to get worried when I wasn't receiving any XXXX  Call links that I was told would be sent to my email and they were responding very slowly until XX/XX/XXXX I was no longer able to send text messages or XXXX  messages to them. I then became worried and contacted my bank as soon as possible but reading the fine print, they do not offer any sort of protection against these disputes. I'm worried because I gave them my address that I thought they would be sending a check too and I live with children and I do not want anything to happen to them.
Product: Debt collection

This Company is trying to collect on bills from a doctor that wrote off these bills. I do not owe anything to this Company. They call using other peoples personal numbers to disguise their identity, and they call at odd hours and on Weekends. I have told them to stop calling me, but they keep harassing me.

Also, the Dr office did not go through my insurance company to negotiate the billing, I have Medicare and it wasnt used for the large billing.
Product: Debt collection

On XX/XX/XXXX I paid a medical debt collection in full to Capital Accounts LLC in the amount of {$170.00}, I was told verbally and I also got a letter from Capital Accounts LLC stating that my balance was now XXXX and paid in full and also that they would be sending the same letter they sent to me to the collection agency to have the collection expunged off of my credit report. XX/XX/XXXX I seen that the company was still reporting that I had a balance so I called them to see what was going on they told me they report on the first of every month and that its the credit bureau thats not updating the account so I called XXXX  and was told the only time they received an update from the company was XX/XX/XXXX It is now XXXX  90 days later and Capital Accounts LLC is still reporting the {$170.00} balance I have reached out to them a few more times and I am still getting the same answer but on my credit report it shows the last time they reported is XX/XX/XXXX and they have also emailed me the same XXXX balance expungement letter 3 times. I just really need guidance on how this situation can be resolved.
Product: Debt collection

This medical bill was paid and it was sold back to a debt buyer and this extortion and it need to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After hearing an advertisement on the radio from XXXX XXXX XXXX, a division of SunTrust bank, in regard to personal loans with no hard credit check, I applied. Three weeks later a hard inquiry appeared on my credit report. 

I spoke to a customer service representative at XXXX XXXX, and basically was told to deal with it. When I pushed back he stated that he would log a compliant with the company. With in five minutes I had a email telling me to take up my complaint with the credit bureaus with phone numbers attached, they were wrong numbers?? They have no intentions on handling my dissatisfaction of their business practices. 

They also advertise on XXXX, XXXX web site stating a soft credit hit. So they are false advertising on the radio and on different web sites. There are many poor reviews complaining of these deceiving advertising practices, that's when I decided to complain to CFPB. This company needs to be transparent, forthright when soliciting their products.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent identity theft letter along with documentation on XX/XX/XXXX to start the fraud investigation. Everything got deleted from my account except 1 thing and thats with XXXX XXXX XXXX and they response was to call them. This dispute process was not handled correctly. If i provided documentation, why are they asking for more.
Product: Credit card or prepaid card

Capital one : Spoke to : XXXX is number # XXXX Date : XX/XX/27 Time : XXXX Advised of current financial hardship and covid related symptoms. Asked about a hardship program. He stated he could help me Avoid late fees I stated I needed help with covering the overdue amount. XXXX stated that Im currently enrolled in a specialty program with one of my credit cards so he couldnt assist with that one or unenroll me no matter what. The specialty program only states to make any payment by XXXX he did not relay cheat information. Im not sure if I could have had my overdue payment waived because he did not assist with this. So for this account I Have to override payments equaling around {$300.00} and they will not assist with this. They do not have a program that will help with my current overdue fees. He stated that after up to date then I can see what other options I have. I was not previously advised of any other programs. Advised that for my second credit card he can offer me two offers 1st ) make my XXXX payment XX/XX/XXXX of {$110.00} which is my overdue payment or/ pay {$150.00} in one month and bring the account current which I didnt understand. I was left with no options on either so I Deferred to XX/XX/XXXX. I asked if I cant afford the payment in XXXX to give a call or before if can not pay. Contact if anything hinders payment. Contacted about both accounts and not being able to afford payments. Representative did not seem to care that I was in a hardship to offer much assistance during this hard time. All my other payments were made monthly no issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this unauthorized unknown inquiry on my credit report with reporting bureaus. It has not been removed from my reports, therefore I am submitting a formal complaint. I have never requested any services or funds from this agency. I have never shared my ssn or any other personal information with this company. I have never signed or entered any type of agreement with this company. I have never visited or applied for any services online with this company. I have no knowledge of this business, how they received my personal information, or why they are reporting on my credit report. Any and all information they are listing on my credit report is inaccurate and unauthorized by me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in the file listed on my credit report. XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$45000.00}.
Product: Mortgage

On XX/XX/18 Provident Funding sent a letter stating 'how to request cancellation of your private mortgage insurance ... current loan to value ratio is 79.88 % ''. We followed the instuctions and paid {$100.00} fee for Provident Funding to then to perform a broker price opinion. Provident Funding then  sent a letter dated XX/XX/18 stating " based on the property value of the property ... the loan to value ratio is 90.2 % '' and stated totally different values than what was originally written. I feel like it was fradulent scam to get me to pay {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was previously disputed and was removed by another creditor because it was found to be a fraudulent account. This account was sold them reappeared on my credit report after it was previously removed attached is a letter for this account stating that it will be removed from my credit a apart of their investigation. I demand that this item is removed immediately. 

XXXX XXXXXXXX XXXX Original creditor : XXXX XXXXXXXX
Product: Checking or savings account

I placed an order from XXXX for an XXXX XXXX. The parcel was never received. Ive been a member of XXXX since 2014 and havent had an issue until now. I contacted the seller, I contacted XXXX and I contacted my financial institution to dispute the charge because I dont have my phone and nobody helped me whatsoever. I work hard for my money and I need it back as soon as possible. If the CFPB could be of any help I would greatly appreciate it.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # 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
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to bring to your attention an ongoing issue with a late open account on my credit report that requires immediate resolution. I have thoroughly reviewed my financial records and can confirm that this account should not be active or associated with my credit profile. 

As maintaining an accurate credit report is crucial for my financial well-being, I kindly request an urgent investigation into the late open account and immediate action to correct this error. Additionally, I seek transparency regarding the steps taken during the investigation process and a clear explanation for the continued presence of this inaccurate information on my credit report. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance Owed : {$7200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA ( fair credit reporting act ) XXXX XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.Code 1681 Section 602 A. states that I have the right to privacy.

Along with 15 U.S Code 1681 Section 604 A section 2, states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I dont have any vehicles! I dont even use my credit. The car I have now is a XXXX XXXX that is paid off. Ive been in an identity theft situation for almost 3 years now. These accounts are not mine. They all were approved to be removed and they are still there!