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

On XX/XX/XXXX, I received a notification from XXXX XXXX that a hard inquiry was placed on my credit report. This was not a credit application initiated by me. On XX/XX/XXXX, I contacted XXXX XXXX customer service ; this bank apparently provides credit card services for more than 120 different entities. They have no application record for my social security number, my name, or address. They advised I needed to speak to the credit bureau Trans Union and they would have to start an investigation on their end. 
I contacted Trans Union on XX/XX/XXXX. They told me they can see the hard inquiry from XXXX, but the only way they would remove it is if a Letter of Deletion from the bank, as well as submitting a personal letter to them. 
I called the bank back - I spoke with XXXX ( ext XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX, as well as XXXX and XXXX on the Escalated Help Desk. Interesting to not, even with extensions and employee IDs, no one at XXXX is able to find any of the individuals I spoke with in Customer Service at XXXX nor the Fraud dept at XXXX. After many hours of speaking on the phone and getting passed from dept to dept and supervisor to supervisor - XXXX finally advised she would open an investigation, but that it could take several months for it to be resolved. 
Their response was we do not know how a hard inquiry from XXXX XXXX   appeared on your credit bureau, it's not our problem, you have to deal with the credit bureau to resolve this, we can not provide you with a letter of deletion because the credit bureau will need to know our internal application number, the credit bureau will need to know various pieces of XXXX XXXX 's internal information - and without an application number, they will not be able to provide this information to the Credit Bureau to remove the inquiry. I told them I found out from TransUnion that the address provided by XXXX to TransUnion that raised the hard inquiry was an address in Louisiana XXXX where I have never lived ). XXXX XXXX told me they can not look up account information by address. 

Below is the information from XXXX XXXX - XXXX/XXXX Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
Institution Information XXXX/XXXX XXXX, FL XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX Institution Information XXXX/XXXX  XXXX XXXX XXXX XXXX, FL XXXX In trying to raise a dispute with TransUnion, I also found the following that info that was provided to TransUnion by XXXX XXXX  : INQUIRY ANALYSIS The companies that request your credit report must first provide certain information about you. Within the past 90 days, companies that requested your report provided the following information. 
XXXX via XXXX Requested On : XX/XX/XXXX Identifying information they provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Phone Number not available
Product: Credit card or prepaid card

Citibank overcharged us {$550.00} in interest. They sent us a letter to notify us, we did not discover this on our own as we pay off our cards every month. We called to understand how this could have happened, over what time period, etc. and were told they did not know but that they were sending a check to rectify the situation. Citibank breached their agreement with us as consumers. 

We told them them that sending a check was not good enough, we felt like they should pay us the interest on the {$550.00} they would have charged us if we had accidentally left that amount outstanding on their card. 

The agent demurred and said that was not possible, we canceled the card on the spot. Note we have been a Citibank customer for over 25 years with this credit card. We only have two cards, now down to one.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I dispute your claim and request validation according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide a breakdown of fees, including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document ( non-electronic ) that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me asrequired under the FCRA. 
Send this information to my email above and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I had a hard imquiry post to Experian, XXXX  and Experian from XXXX XXXX Date Filed XXXX Type Mortgage Reporters Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX This was not an authorized hard inquiry. I was shopping for solely for a stand-alone HELOC, which the broker said they could do. As it turns out I was told they can only do a HELOC if refinancing the mortgage. I was very clear I did not want to refinance my home and was not interested in a HELOC unless it was stand-alone. They ran my credit anyway and reported it to XXXX, XXXX and Experian. I spoke with a supervisor to remove my hard inquiry that they pulled using XXXX XXXX and was assured it was going to be removed. I was told I would receive an email confirmation. I have not received an email confirmation and the hard inquiries are still showing on all three credit bureaus
Product: Debt collection

I have received numerous phone calls and postage mails claiming they intend to collect on a debt that should not exist. This bill is from DEBT CO LLC XXXX XXXX XXXX XXXX  XXXX, MO XXXX, their Reference # XXXX. I have repeatedly informed these people that I am a XXXXXXXX XXXX XXXX and that the XXXX XXXX is the identity that needs to be billed for my medical bills. They keep telling me they will pass the word to their co workers, but I keep getting calls and letters from them. I have constantly informed them that this will affect my credit rating and that hey should be held responsible for that because I have already given them the information to get this resolved, but they have failed to properly do their job.
Product: Money transfer, virtual currency, or money service

Step 1 : What is this complaint about? Cash app & XXXX XXXX  XXXX Step 2 : What type of problem are you having? 
Getting my money returned to me Step 3 : What happened? 

Amount : {$190.00} Date & time : XX/XX/26 XXXX XXXX Unauthorized : cash app scam from someone who told me if I send {$200.00} then I get back {$2800.00}. Once I sent the money they claimed I need to send more to verify my identity. The lady is using a fake cash app and fake XXXX name Amount : {$400.00} Date & time : XX/XX/26 XXXX XXXX Unauthorized charge : cash app bitcoin scam and now the person wont respond to any of my messages to get my money back Step 4 : What company is this complaint about? Cash app and XXXX XXXX  XXXX XXXX 5 : Who are you submitting this complaint for? me
Product: Credit reporting or other personal consumer reports

I moved from XXXX XXXX XXXX  at the end of XXXX. When I updated my auto insurance, my rate increased by almost 60 % ( and I have a good driving record ). My insurance carrier provided information on how to contact LexisNexis to obtain a copy of my XXXX XXXX Report which was a factor in determining my rate increase. I have attempted to do this twice online and once via their automated telephone line where you can not reach a human being, and continue to receive letters via US Mail over a week later that they are " unable to process request '' even though I have provided them with my drivers license number, full name, current address and zip code, current phone number, full social security number and full date of birth. 

They are requesting additional documentation to prove I am who I say I am which they should already know, or be able to easily ascertain through their client, my insurance carrier. There also was no opportunity on their online portal to submit this type of documentation. 

According to my insurance company, I only have 60 days to receive a copy of the LexisNexis report they considered. I feel like LexisNexis is deliberately giving me the runaround and making it difficult to impossible to obtain this report.
Product: Debt collection

I am filing a complaint regarding inaccuracies in the reporting of accounts held with Navy Federal Credit Union ( NFCU ), Amsher Collections, and Bank XXXX XXXX XXXX XXXX XXXX 

Navy Federal Credit Union ( NFCU ) : - Unauthorized transaction on XX/XX/XXXX. 
- Multiple attempts to resolve the issue with NFCU customer service, but no satisfactory resolution. 
- Requested reversal of the unauthorized transaction and transparency in the investigation process. 

XXXX Collections : - Received notice of debt collection for an outstanding balance of {$150.00} on XX/XX/XXXX. 
- No knowledge of the debt and lack of documentation or verification provided by XXXX Collections. 
- Requested validation of the debt and cease of communication until validity is established. 

Bank XXXX XXXX ( XXXX ) : - Encountered technical issue preventing access to online banking account on XX/XX/XXXX. 
- Reported the issue to XXXX  customer support with no resolution. 
- Requested prompt resolution of the technical issue and assurance of preventive measures.
Product: Money transfer, virtual currency, or money service

So a while ago my mobile banking got hacked and someone sent XXXX dollars to someone using my chime tag. My account was compromised and hacked. I lost XXXX dollars and chime never gave me my money back. Now my account got hacked again for over XXXX dollars through XXXX. It is in review but that is a lot of money stolen from me I need this money back as I did not make these purchases
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I filed a dispute letter to XXXX, Equifax, and XXXX XXXX requesting the removal of all inaccurate information being reported on my report such as metro 2 formatted compliance. Upon no receipt of verification of the inaccurate information I sent another letter on XX/XX/2023 requesting the demonstration of truthfulness certified with the lawful process and mandatory Metro 2 compliant reporting. On XX/XX/2023 I sent another letter requesting the immediate removal of the inaccurate information due to failure to verify within the time prescribed pursuant to 15 U.S.C 1681 again to no avail. I sent another letter on XX/XX/2023 showing that the inaccurate information was the result of identity theft along with Police Reports and the bureaus were selective in removing some items and allowing others to remain. I called the bureaus on XX/XX/2023 at XXXXXXXX XXXX XXXXXXXX and they assured me the remaining inaccurate information would be removed and still has failed to do so. Can you please assist me in compelling the bureaus to comply with the rules set forth in FCRA 1681. Any assistance or advise will be greatly appreciated, Thank you for your time and anticipated cooperation in this critical matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX credit information hack I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. No American can sign up for any service or financial account without being validated by these three, so this is a forced requirement.
Congress should federally mandate that credit freezes, unfreezes, and reporting be made available at no charge and with no conditional requirements ( ie : signing up for credit protection services offered by the agencies or their vendors ). Our ability to BE American citizens relies on our ability to control our credit reporting. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they allow breaches that can cause permanent financial and identity harm. 

Thank you for taking time to read my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccurate information even after original creditor requested removal. I have made multiple disputes to have this removed. On XX/XX/XXXX XXXX XXXX  requested all three credit beauros to update the XXXX XXXX Credit card as paid in full and remove 4 late payments dated XXXX. XXXX  and XXXX  complied with the request however Equifax has not. On XX/XX/XXXX I filed a dispute through Equifax online dispute center. I provided the affidavit with the request to correct the derogatory account and remove the reporting of late payments from XXXX. I received the results of the dispute on XX/XX/XXXX and the information had not been updated to correctly report the information. Additionally, I filed a report with the Consumer Financial Protection Bureau. Equifax  responded to the dispute stating that they would investigate and update the information accordingly. They have yet to update. On XXXX XXXX they updated the account still reporting the innacurate information of 120 day late payments from XXXX. 

Your Desired Resolution : This information on my credit report needs to be corrected immediately. It is currently preventing me from getting a home loan. It is an absolute failure and is placing an undue amount of distress on myself and my family. Equifax must remove late payments dated from XXXX on the XXXX XXXX XXXX credit card .

This case will be reviewed by a complaint specialist at the XXXX  XXXX  XXXX, and then forwarded to the business for their response. It is our policy to allow the business 30 working days to respond to your complaint. You will be notified when the business has responded.
Product: Debt collection

I purchased a dishwasher from XXXX and used there rent to own program. The Dishwasher was purchased in XX/XX/XXXX for {$600.00} and With a payment of XXXX it was my assumption that I would be done paying the debt in XXXX. Here it is XXXX and I was surprised to see that this amount was still being deducted from my account. I called them this last Sunday to see what was happening and they told me that I never contacted them to arrange a buy out? I was confused because this was never explained to me at the time of purchase. I asked them to send me a copy of the agreement with my signature and they stated that it was a virtual signature taken via my credit card at the time of purchases. I have paid this company {$1000.00} thus far and informed me that I could buy out my dishwasher for {$180.00}. more. So basically I have paid them for 2 dishwashers ... DO NOT USE WhynotLease
Product: Mortgage

I received an escrow cancellation letter on XX/XX/XXXX, advising I have until XX/XX/XXXX to keep the escrow account open. A complaint with CFPB was filed in XXXX ( XXXX ). In the initial complaint, an escrow waiver was requested out of frustration. The escrow account was finally set-up. I spoke with a representative in XXXX regarding the escrow account and advised I would like to keep the escrow account open. My first escrow payment was due and sent for XXXX. Only to receive a letter on XX/XX/XXXX, notifying the escrow account is waived. And I had until the XXXX to keep the account open. It is difficult to get information conveyed by phone to the right department. The letter also mentions the penalty amount of {$130.00} for taxes was disbursed. However, I was told only XXXX was paid and the XXXX was not added to my escrow account. As I advised in my initial complaint, the tax penalty was paid by me and I would like the penalty funds added to my escrow account.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the ongoing challenges I have faced while attempting to correct late open accounts on my credit report. Despite multiple attempts, the issues persist, impacting my credit score and causing significant distress. 

I have made repeated efforts to rectify this situation through your dispute resolution process, yet the corrections have not been implemented successfully. 

Here is a summary of the actions I have taken to address this matter : I have submitted disputes through your online platform, providing detailed information about the late open accounts, along with supporting documentation. 

I contacted your customer support hotline to inquire about the status of my disputes. However, the information provided has been inconsistent, and the issue remains unresolved. 

In an effort to expedite the resolution, I have submitted supplementary documentation to support my case and clarify the inaccuracies. 

Despite these efforts, the late open accounts continue to negatively impact my credit report. This situation is not only frustrating but also raises concerns about the accuracy and reliability of the information maintained by Credit Bureaus. As a consumer, I rely on accurate credit reporting to make important financial decisions, and the persistent errors on my report hinder my ability to do so. 

I kindly request a thorough investigation into the late open accounts listed on my credit report and a swift resolution to correct these inaccuracies. Additionally, I seek clarification on the specific steps taken during the investigation process and a detailed explanation for the continued presence of these errors. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my hope that Credit Bureaus will take immediate action to rectify this matter and provide a clear and transparent resolution. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to protect my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$3000.00}.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Fl XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX XXXX : Dispute of Inaccurate Information Under FCRA Section 1681o Dear Sir/Madam, I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 1681o. After reviewing my credit report, I have identified the following items that I believe are incorrect : Item ( s ) in Dispute : [ List the specific account ( s ) or item ( s ) you are disputing, including the creditor 's name, account number, and the nature of the dispute, e.g., inaccurate reporting of payment history, incorrect balance, fraud, etc. ] I request that you investigate the accuracy of this/these item ( s ) and remove or correct any errors found. Under the FCRA, you are required to investigate and resolve my dispute within 30 days.
Product: Credit reporting or other personal consumer reports

I wrote a letter on XX/XX/2024 to XXXX concerning an unauthorized inquiry they put on my consumer and credit reports. I heard no response in writing nor was I contacted any other way far as my dispute is concerned.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 604a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any given purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) TransUnion 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 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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. 

The dispute items do not belong to me. 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, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, 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. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

Please check the documents that I've sent. There are inaccurate late payment remarks on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

They continue to report inaccurate information names dates and address telephone numbers