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

I am a natural person ; I am a living human being. I have rights under 15 USC 1681. Transuion is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and did not give Transunion written permission to furnish these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Since Friday XXXX XXXX I have been unable to access my account online or on the phone, I can not see my balance or pay my bills. I have spent hours on the phone with customer service who have told me conflicting reasons such as a platform upgrade, a decision to no longer offer online banking to escrow accounts, and a service interruption At no time was any notice given and the inability to receive a clear explanation as to what is going on is maddening.
Product: Checking or savings account

Subject : Unauthorized Charges on Checking Account and Denial of Claim by Capital One To Whom It May Concern : I am writing to file a formal complaint against Capital One regarding unauthorized charges made to my checking account, which amounted to upwards of {$400.00}. I did not authorize these transactions. 

On XX/XX/year>, I received a fraud notification from Capital One alerting me to these unauthorized charges. I immediately reported the issue to Capital One and disputed the transactions within less than two business days of learning about them. 

Despite my prompt action and clear communication that these charges were not authorized, Capital One denied my claim. I believe this decision is unjust, as I have followed all proper procedures and reported the fraud as soon as it was brought to my attention. 

I am requesting the Consumer Financial Protection Bureau 's assistance in getting my funds returned and holding Capital One accountable for their responsibility to protect consumers against unauthorized transactions. 

I have attached relevant documentation, including my communication with Capital One and their response to my dispute. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When the bill was paid, it was stated that it would be totally deleted from the 3 credit bureaus and has since only been deleted from XXXX. Creditor stated it would be deleted with 45 days of it being paid.
Product: Debt collection

This debt was paid over 5 years ago to XXXX XXXX and now it has been sold to a collection company name XXXX XXXX XXXX and it is currently being displayed on all three credit bureaus and I would like for this to be removed from all three credit bureaus as soon as possible
Product: Credit reporting or other personal consumer reports

I wish to dispute the presence of unauthorized account on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that this account is the results of identity theft. I initiated to contact with the banks associated with this account, and they assured me that it would be removed from their records. 
I am aware that other credit bureaus have already removed this fraudulent account from their records. This discrepancy raises significant concerns regarding the accuracy and timeliness of your bureau 's reporting practices. Despite my proactive measures to address this issue, the account continue to be reported on my credit report by your bureau. 

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

I FILED CFPB COMPLAINT # XXXX AGAINST EQUIFAX CONCERNING UNAUTHORIZED HARD INQUIRIES ON MY CONSUMER REPORT.I did not give my written permission for anyone to access my consumer report. Pursuant to the FCRA, no one may access my consumer report without my written permission for the purpose of extending credit. On XX/XX/2022, the CFPB issued an Advisory Opinion concerning permissible purpose required to use and share a consumers credit report. The FCRA and the CFPB Advisory Opinion states that Equifax must ensure that anyone who accesses my consumer report has a permissible purpose. Equifax failed to prove that these companies had a permissible purpose to access my consumer report. These unverified Hard Inquiries are in violation of the FCRA and the CFPBs XX/XX/2022, Advisory Opinion concerning permissible purpose required to use and share a consumers credit report. Equifax must DELETE the alleged inquires immediately. 

Equifax is in violation of 12 U.S.C. 5534 ( b ) ( c ) ( 1 ) because they did not adequately respond to my CFPB portal complaint. 

Equifax only referred my disputes to data furnishers for investigation. Equifax then engaged in XXXX, a practice of blindly adopting the response of a data furnisher without conducting any independent investigation. This is a FCRA violation.Equifax only conducted a XXXX XXXX investigation. This is a violation of the FCRA because Equifax was required to conduct their own independent investigations of my consumer dispute. 

Data furnishers, the providers of credit information, such as credit card companies and lenders have been cited in the past by the CFPB for conducting insufficient investigations. The CFPB has also cited Equifax for accepting these findings without an independent investigation. 

This ILLEGAL reporting by Equifax constitutes a violation of my rights under the Fair Credit Reporting Act 604. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed Hard Inquiries must be DELETED from my consumer report within 5 days of receipt of this dispute.

Pursuant to 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ) this is not another dispute or opportunity for you to reinvestigate my previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a moratorium on my Auto loan for my XXXX XXXX XXXX in XX/XX/XXXX due to the passage of the natural disaster that was Hurricane Irma since i expected that my income and finances would inadvertently be affected by the crisis. I was granted the extension by Santander USA, with my next due date set for XX/XX/XXXX. On XX/XX/XXXX, Santander USA reported my account as being 30 days past due, citing the return of a payment in XX/XX/XXXX which was set up to be automatically be drawn from my bank account on XX/XX/XXXX. 
This was an unfair and unwarranted act ; and a clear case of the lending institution choosing to renege on its commitment to assist a customer who has been directly impacted by a natural disaster. I therefore ask for the assistance of the Consumer Financial Protection Bureau, in having this late payment removed from my credit report. All other attempts by me to have this rectified directly with Santander USA and the three major credit reporting agencies have failed. Copies of the relevant documents and communications are attached for your perusal.
Product: Credit reporting or other personal consumer reports

Commenting Bank/Victoria is reporting an account as closed, also they are no longer the debtor. This same account is reporting as a collections. Under the FCRA, this is a violation and misuse of credit reporting. This account has not been properly verified. Please remove from my credit report.
Product: Prepaid card

Blackhawk Network locked my reloadable debit card. Blackhawk Network locked my reloadable debit card, without cause, contact, or reason, immediately AFTER I loaded almost {$1000.00} to the account.
Product: Mortgage

Late Charges XXXX + NSF XXXX + Other XXXX = {$880.00} total fees XX/XX/XXXX to XX/XX/XXXX Hardship due to medical condition + prescription costs. 
I applied for loan modification. XXXX I was back to health, my mortgage current. 
Next mortgage due date is XX/XX/XXXX The fees are way too exuberant.
Product: Checking or savings account

On XX/XX/23, I deposited {$9900.00} cash with XXXX of {$50.00} bills at Bank of America at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The bank teller used a machine counter and it gave me an amount of {$9000.00}. I didn't notice until 3 days later. I came to the bank on XX/XX/23 to report this to the manager. He told me to call consumer service to report it. I called and reported to consumer service by Bank of America. Last week, I received a letter stated that " No adjustment is neccessary. '' I believed the Bank of America Machine counter was made a mistake and miscounted my money. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 an 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.

I have several Hard inquiries as well as four closed derogatory accounts that I have no knowledge of and certainly did not authorize to be placed on my consumer report. I have filed a report with the FTC and I have sent letters to the " creditors '' directly and have had no response. I am filing a report with the CFPB for further assistance Hard Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/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 XXXXXXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance in helping me resolve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Visit local car dealership Hyundai of XXXX XXXX NC gave permission to check my credit and I recently found out they ran it totaled of seven times.Five times on XX/XX/XXXX and once on XX/XX/XXXX call them after receiving letters from different financiaing companies and they reinsure me that they only check it once and the letters were advertisement who they are affiliate with Im seeing if I can dispute the hard Inquiries on my credit report from this. Thank you
Product: Mortgage

I am a widow, unemployed and XXXX. My husband died 4 years ago and left me a mobile home where I am presently residing. Our mortgage company is CITI MORTGAGE. 
We are paying this company for over 20 years and still have a balance of {$62000.00} dollars, with interest of 7.76 %. 
Two months after his death, I called CITI if my husband 's loan is being paid off thru insurance. They said he got no insurance and that the wife is responsible for paying his loan. They told me to send his Death Certificate and some other papers so they can change his name and put my name on it. I refused. 
Right now I 'm having a hard time to support my XXXX adopted children, XXXX in college. Please help me solved my problem with this gigantic company where I have no voice and money to fight them. 
I thought Mobile Home is cheaper than a real house, but since I married my husband, he got a balance of {$79000.00}. I have no idea why this house is very expensive. 
Second concerns of mine is SEARS CREDIT CARD. 
Even though I am so poor, I always pay my bills on time. I do have a good credit. Last week I happened to read the article regarding your willingness to help us and believe me or not, the article lifted my spirit, hoping that maybe you are answer to my prayers. 
Sears charged me 25.24 % on interest and plus account care program which I pay {$65.00} monthly.Before I charged my purchases to them, I told them to cancel account care and they told me, they do n't use it anymore so I thought that there will be no charges. 
Account care is a ripped off, they said they will pay my bills if I become unemployed and disabled. I have XXXX. Anything you can help me is greatly appreciated. Thank you very much. 
XXXX
Product: Credit reporting or other personal consumer reports

Someone used my information to open accounts and some inquiries that I had no knowledge about XXXX XXXX bank opened XXXX XXXX {$3000.00} XXXX XXXX opened XX/XX/year> {$2300.00} XXXX XXXX opened XX/XX/year> {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$0.00} XXXX bank XXXX XXXX XXXX {$0.00} XXXX XXXX bank opened XXXX XXXX {$0.00} XXXX XXXX bank opened XXXX XXXX {$0.00} XXXX XXXX XXXX opened XX/XX/year> {$12.00} Inquiries XXXX  XX/XX/year> Cap XXXX via dealer XX/XX/year> XXXX XXXX via dealer XX/XX/year> XXXX XXXX via dealer XX/XX/year> XXXX  XXXX via dealer XX/XX/year> XXXXp XXXX via dealer XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX {$43000.00}
Product: Checking or savings account

Applied for a cd account and was declined for unlawful reasons while being an investor and company is holding my private property such as securities
Product: Credit reporting

My complaint is with Equifax credit reporting agency. I have repeatedly filed several disputes with them in regards to incorrect information reported by a mortgage company, XXXX XXXX, that comes back with the same or very minor information changed. I have asked them to verify and prove all information which would prove inaccuracys yet they continue to end dispute with no proper results made. I have done this particular dispute at the very least 10 times! This is why I am filing this complaint. I also will be filing a complaint againt XXXX XXXX. 
Thank you, I hope that you can help me. 
The issue is that I had XXXX mortgage with XXXX XXXX which was part of a chapter XXXX bankrupcy. XXXX XXXX has XXXX separate mortgage account numbers listed on my credit report. XXXX states a {$0.00} balance and that it was included and discharged in my bankrupcy which is accurate. Then they have a separate account that has a different account number but it is the same mortgage. They list the date the account was open by a few days different than the other. They have done this with all the dated information to have it appear as though it is a separate mortgage account. It is not! I only had XXXX mortgage at that time with XXXX XXXX. One of the excuses they give is that they say the mortgage listed in question was sold prior to the discharge in XX/XX/XXXX therefor they say they are allowed to report it. This is not true. Even if I did have another account anything prior to my chapter XXXX discharge in XXXX, would be part of my public record. XXXX XXXX continues to report on this account as recently as XXXX XXXX stating I am 120 days past due. I have explained this to XXXX several times and have pointed out the obvious discrepancies with this account from the date open, date closed, first delinquency, etc ... yet Equifax still allows XXXX to report this bogus information. The particular account in question even has a payment grid along with it that does n't even match up to the dates they have listed on this account. It is obvious harassment and I am so frustrated and upset that what appears to be an obvious and easy fix is continuing to still haunt me. XXXX XXXX is in complete violation with my FCRA by reporting on an account that was discharged in XX/XX/XXXX. 
I hope you can help me with Equifax to resolve this matter. I pay $ XXXX/mo for the services I have with Equifax yet they have done nothing to resolve this blatant error. 

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

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$180.00} Account Name : XXXX Account Number : XXXX Account was opened : XXXX XXXX, XXXX Account Balance : Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance :
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, BEST B : XX/XX/year> : XXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX CAPITAL XXXX : XX/XX/year> XXXX XXXX CAP XXXX NA : XX/XX/year> Experian XXXX XXXX XXXX : XXXX XXXX - XXXX OF XXXX : XX/XX/year> : Experian XXXX DISCOVER FINANCIAL SER : XX/XX/year> XXXX Experian XXXX ONEMAIN : XX/XX/year> Experian XXXX XXXX XXXX : XX/XX/year> XXXX Experian XXXX XXXX OF XXXX XXXX XX/XX/year> Experian XXXX - XXXX ACCEPTANCE - G : XX/XX/year> : XXXX XXXX XXXX : XX/XX/year> : XXXX
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Letter to Remove Inaccurate Credit Information I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. These account are out of the statue of limitation which mean by law they need to come off my credit report : XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 



Based on my reading I know by law inquiry are only allow to stay on your credit report for 2 years from the day the inquiry was pulled. Which means that all the above accounts need to be removed. I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back to me within 30 days. 



I am also requesting that you send me an updated credit report once your investigation is complete you can send the copy to XXXX XXXX XXXX XXXX, South Carolina XXXX Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have hard inquiries on my Equifax credit report that are fraudulent, unauthorized and not mine. The following hard inquiries arent mine : XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, Equifax Consumer Affairs, XXXX/XXXX/XXXX, Furthermore, the following address dont belong to me : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX  that went delinquent, and was sent to collections in XXXX of XXXX. XXXX of XXXX, is when this debt is supposed to be deleted from my credit profile. According to the information that the collection agency XXXX XXXX XXXX, applied to my Experian profile, it is apparent that they have re-aged my Experian credit account. It is showing that the date the account was opened was in XXXX of XXXX. I sent a certified letter to both XXXX XXXX XXXX, and Experian to have the company verify that the information included in this alleged debt. Neither company has validated the debt, original contract, the details stating what and why the amount is due, or proof that the original debt was not charged off by any means. I sent Both companies my demand for validation letter, under the above mentioned terms in XXXX of XXXX. They had until XX/XX/XXXX to either validate it, or remove it from my credit profile. After contacting Experian customer service, they still allowed this fraudulent account to stay on my credit, without any proof.
Product: Student loan

In reviewing my loans with Navient it came to my attention that they had incorrectly applied my payments for 2015. When I made extra payments to XXXX of my loans, their automatic system reset the " due '' date on that loan. I noticed the change in date immediately, and called to have them continue applying payments to that loan. Despite my instructions, their system continued to misapply my payments, allowing interest to grow on that XXXX loan ( considerably ) so that every addition advance payment I made, was absorbed almost entirely by the interest. I trusted them to apply the payments as I had directed, and when I continued to see the same amount taken out of my bank account for payment, it appeared to me that they were doing what I instructed. I only recently discovered they were simply applying the extra payments to other loans, and skipping the loan I had asked them not to.I did speak with a representative who acknowledged the issue with my account and is working to fix it. My concern, is that I no longer have faith in this company to accurately apply my payments and manage my loans. I want additional investigations into this matter to ensure they adjust my account correctly.
Product: Credit reporting or other personal consumer reports

On ff I filed a complaint against both XXXX ( Complaint # XXXX ) and Experian ( Complaint # XXXX ) in regards to the account being reported inaccurately. In that complaint I had attached supporting documentation that they were reporting inaccurate information and that I wanted it permanently removed from my reports. Pursuant to section 623 ( a ) ( 1 ) ( A ) and ( B ), a furnisher SHALL NOT furnish information that they have reasonable cause to believe it was inaccurate. The supporting document I attached in those complaints showed proof that the reported information was inaccurate. Now, I have received a letter from XXXX stating that they have ACKNOWLEDGED that they have reported inaccurate information but STILL REFUSE TO DELETE IT FROM MY CONSUMER REPORT. See attached. This a complete violation of section 623 of the Fair Credit Reporting Act. Additionally, I notified Experian of this inaccurate information to which they claimed its " verified ''. Pursuant to section 611 ( a ) ( 5 ) I am demanding compliance. Lastly, the cfpb has initiated a lawsuit against XXXX for reporting inaccurate information Docket number XXXX. This is their last chance to remove this information from my report before I proceed to hand this case over to a consumer protection attorney.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX my cell was blowing up with inquiries on my credit there were approx 10 i had to call 10 they were not mine i immediately placed a freeze on all my credit reports. Than i was notified XX/XX/XXXX that a new open loan was on my credit report for XXXX i called them right away all they did was say mail docs to claims @ upgrade.com i did not i try to call them no response i called the police and filed a report. They tried to call because we have a suspect no one calls back. This loan was given with a freeze on all three bureaus and also my phone number to call if they have any questions they ignored the the freeze and opened a line a credit and it was maxed out immediately. They don't call back and don't even call law enforcement back so i know the status of this fraud account. This should have never been open with a freeze none of the information matched my credit report all the other 9 denied the application due to suspicious activity and not matching my report upgrade inc XXXX XXXX XXXX XXXX floor XXXX XXXX ca XXXX phone number XXXX or XXXX XXXX XXXX