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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Dispute Incorrect Bankruptcy on My Credit Score Dear Equifax Dispute Department, I recently reviewed my VantageScore 3.0 provided by Equifax and noticed that my credit score is being negatively impacted due to a bankruptcy. However, after carefully reviewing my credit report, I found no bankruptcy listed on my file. Additionally, I have never filed for bankruptcy. 

Since this is a clear error, I am requesting an immediate investigation and correction. Please : 1. Provide a detailed explanation of why my score is being impacted by a bankruptcy when none exists on my report.

2. Correct any errors affecting my credit score related to this issue.

3. Update my credit score to reflect the removal of any bankruptcy-related negative impact.

4. Provide a written confirmation once the investigation is complete.

I have attached a copy of my Equifax credit report for reference. Under the Fair Credit Reporting Act ( FCRA ), I request this dispute be investigated within 30 days. Please notify me in writing of the results. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Attachments : Copy of my Equifax credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies in my credit report. After reviewing my credit report, I have found several errors that need to be addressed. 

Firstly, the charge off accounts from XXXX XXXX and XXXX are not accurate. I have never had any accounts with these institutions, and therefore, the charges are not valid. Similarly, the charge off account from XXXX is not valid, as I have never taken out a loan with them. 

Secondly, the inquiries from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX were not authorized by me. I did not apply for credit with any of these institutions, nor did I give them permission to inquire about my credit. 

These errors on my credit report have caused me a great deal of emotional distress, as they are affecting my ability to obtain credit and make important financial decisions. I demand that these inaccuracies be corrected immediately and that my credit report be updated accordingly. 

If these inaccuracies are not corrected, I may be forced to take legal action under the FCRA to protect my rights. Thank you for your attention to this matter. 

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

On XX/XX/XXXX I went to Nisan Motor as a co-signer for buying a car to my brother but My brother is didnt eligible for loan. The sales representative told me he is going to run my credit just one time for credit inquiry but he did 4 hard inquiry. 
1. XXXX XXXX Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 3. Nissan Motor Inquiry from XX/XX/XXXX 4. XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I have 2 collections on my report inwhich I have disputed before and never received any documentation to the claims, but in the process I been mentally harassed by the fact. According to FCRA, if the claims do not follow with proof of such then the account should be removed.
Product: Credit card or prepaid card

I made several payments to my Best Buy card in the month of XX/XX/2020 and I noticed they put my payments on hold and unable to get hold of Citibank so I can get theses payments released and I dont have no patience in waiting 7 days at all and the fraud rep told me she can only be on the phone for 5 mins but my bank which is Citibank clear the funds from several payments and best citi refused to contact my bank to verified funds and said they can be on the phone. For 5 mins and they are charging me too much interest on my credit card and Im asking them to lower it or give me a offer since Im going through some hard times due to the cornavirus they had my payment on hold for XXXX I paid from my Citibank account ending XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive attached the exact letter I sent to Lexus nexus, describing the issue. Enclosed is also my license and current utility bill to verify my identity. Thank You.
Product: Credit card

On XXXX I was sent a text message from XXXX ( XXXX ) XXXX that said, " Purchase of {$520.00} was attempted at XXXX, XXXX on your CitiAccount. If this was you, no action needed. If not, XXXX. '' I immediately called the number as I was traveling across the US and had been using my card at hotels and gas stations along the way and thought it was from that. 

The person answered ( XXXX ), and he sounded like a typical call center agent from XXXX. He said that my card had XXXX charges including a XXXX XXXX ticket for {$1000.00} ( not exact ), a game company XXXX? that had a {$500.00} ( also not exact ) plus XXXX other charges ( I can not exactly remember them ). He asked me if they were my charges. I said no. He then requested me to verify : 1. My address, 2. The last XXXX numbers of my credit card, and 3. The last 4 of my SSN. 

I provided all this information. He then said he would reverse the charges and put a security hold on my card. He then offered to close my card and send me a new one. For some reason, I apologized and said that I preferred to call back to get that done. 

When I called the credit card company, they shared that I had no " fraudulant '' charges on my account and none had been flagged NOR had they called me. They suggested I contact FTC.gov to report this transaction ( since my SSN had been partially shared ), and I did close my credit card with that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX, XXXX ; XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance XXXX {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$410.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$64.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 through XX/XX/2019 I was contacted via email by XXXX XXXX that I had to make a payment. I paid XXXX, XXXX, XXXX, and XXXX dollars payments for an account that I did not open. Someone opened a fraudulent account in my name and it has caused issues with my credit report and the account does not belong to me. I had contacted XXXX credit several times letting them know that the account was opened in my name but not by me.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, I requested my credit reports through XXXX. I successfully received XXXX of XXXX, but I was denied access to my Transunion Report via XXXX. I then went directly to transunion.com to request the report and was denied access to the report. I then called and requested the report and was told by the representative that I would not be able to access the report for another 7-10 business days ; the representative also said they would escalate the matter to a supervisory report team, who would call me back within XXXX business days. I never received a call back, so I called the support line once again and a representative informed me it would only be available by mail. 

After a brief hiatus, I resumed my efforts on XX/XX/XXXX, attempting to pull my credit report directly from transunion.com and was given a blank report ; void of name, account information, or any other information supposedly contained within my consumer report file. After contacting a representative by phone, to troubleshoot the matter, I was again told that the matter would be escalated to a special support team who would call me within XXXX business days. I have been detrimentally financially affected and have lost multiple gainful employment opportunities due to not being permitted to obtain MY credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written all three reporting agencies of the incorrect information on my credit report. I have received letters confirming the information is correct, and I supplied documentation that shows it is not correct. Letters were sent out on XX/XX/2018. Return letters were received XX/XX/XXXX and XXXX, 2018. The information of my bankruptcy is stated as confirmed with the United States Bankruptcy Court, I enclosed a letter from the Courts indicating that they do not report this information to credit agencies. As part of my privacy, I believe this information should be deleted from my credit report. I have attached documentation supporting my claim/dispute. Please follow up on this and have the incorrect information removed.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquiries Dear CFPB Representative, I am writing to formally dispute two unauthorized hard inquiries on my TransUnion credit report under the Fair Credit Reporting Act ( FCRA ). These inquiries were made without my consent or permissible purpose, violating the following sections of the FCRA : 15 U.S.C. 1681b ( 2 ) : Permissible purposes for consumer reports 15 U.S.C. 1681q : Obtaining information under false pretenses 15 U.S.C. 1681c-2 : Reporting of unauthorized or fraudulent transactions Below are the disputed hard inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX XXXX. XXXX Credit Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX I did not authorize these institutions to access my credit report, nor did I initiate any transactions or applications that would permit them to do so. Under FCRA regulations, entities must have a permissible purpose to access a consumers credit report. Unauthorized inquiries are a direct violation of my rights as a consumer. 

I request that the CFPB investigate these matters and ensure the following actions are taken : XXXX. Remove the unauthorized hard inquiries from my credit report. 
XXXX. Provide documentation verifying the permissible purpose for each inquiry or confirmation of their removal. 

I have included a copy of my TransUnion credit report highlighting the disputed inquiries and proof of identity for verification purposes. 

Thank you for addressing this matter promptly. Please notify me of the outcome of your investigation or any additional steps I may need to take. 

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

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX   XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX****, DEPT OF ED/XXXX****, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit card or prepaid card

They did not obey The Servicemembers Civil Relief Act after i sent them my official XXXX XXXX order and information. i have all the email saved and we were charged tremendous amount of interest. Shame on you Citizens Bank.
Product: Credit card

Purchased XXXX bras and opened a macy 's card. I paid this the following month. Next thing I know I owe {$64.00} more in fees. More than my original purchase!!!! I paid the fees, closed the account and will never, ever, ever do business with Macy 's again. 

DO NOT OPEN a MACY 's CREDIT CARD.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit and reporting act this creditor had violated my rights under 15 usc 1681 section six to state I have the right to privacy. It also states a consumer reporting agency can not furnish and account without my written instructions under 15 uscs 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

THIS IS A NEW COMPLAINT THAT INVOLVES NEW ISSUE AND NEW DATA THIS IS NOT A DULICATE COMPLAINT On XX/XX/2021 @ XXXX XXXX I spoke with XXXX from SPS who works for the Ombudsman department. He stated that SPS does not care if XXXX XXXX XXXX. XXXX XXXX my home loan that they were going to foreclose on my home anyway. He basically said since SPS ( a servicer ) was the only one attempting to collect from the companies prospective, they were going to foreclose even if they are not representing the CREDITOR. I showed him all the paperwork that proves that this is an illegal foreclosure and he stated that it did not matter what I said or what he saw they were going to sale my home. 
HE BASICALLY ADMITTED TO ME AND MY WIFE THAT EVEN IF THEY DID NOT REPRESENT THE TRUE CREDITOR THEY WOULD STILL FORECLOSE. ADMITTING THAT THEY DID NOT CARE IF THEY BROKE THE LAW TO FORECLOSE.
Product: Credit reporting or other personal consumer reports

All of these inquries have been totally illegal and was not authorized on my part. I just hired a credit specialist to work on my credit and I need to have all of these removed as soon as possible. All these inquiries were from car dealers and I have never applied to anyone of these dealers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My payment made early in XXXX 2016 for XXXX for the XXXX payment has never been credited to my account. I have called numerous times to PNC and even though they can see the payment in their systems, I am getting late notices every month and my credit is being effected as well. They need to update PNC internal systems, stop sending late notices, send an updated revised statement and a letter explaining this was a PNC mistake so I can submit to the credit bureaus.
Product: Checking or savings account

I recently opened a bank account with Discover. I received a check of {$1800.00} from XXXX after having a wreck. I used Discover mobile deposit to cash that check on XX/XX/XXXX2022. Yesterday on XX/XX/XXXX Discover emailed me stating they noticed suspicious activity on my account and to call them for more info. 

When I called I was told my account had been closed and they would be mailing my funds via a check. They also said that the check would not be sent until 60 days after the initial deposit. I asked to speak with a manager but the Discover agent refused. I asked to know why my account was closed and the Discover agent refused. 

I called XXXX to cancel the check but they let me know since the check is seen as cashed in their system, there is nothing they can do. 

Why didnt Discover call and verify the check with XXXX XXXX Why was the check cashed if it was suspicious? Discover has robbed me. I have been stolen from.
Product: Payday loan, title loan, personal loan, or advance loan

I was entered into a reputable debt relief program in an attempt to settle an outstanding debt with NetCredit due to severe financial hardship. The settlement agreement was dated XX/XX/XXXX and listed the agreed settlement amount and monthly payment schedule. All proofs of payments are available and can be provided. Despite the settlement agreement and accepting the monthly payments, NetCredit has been incorrectly reporting the account as Past Due with an incorrect amount. I reached out to NetCredit in XX/XX/XXXX and they refused to update the information on the account. As a result, my credit score has been tanked for whole a year due to false reporting by NetCredit.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Mortgage

My name is XXXX XXXX, and I put in an offer on XXXX XXXX XXXX XXXX, XXXX, VA XXXX on Tuesday, XXXX XXXX, 2015. I sent my documents to my realtor at XXXX who in return sent the offer to the sellers agent. The property is a short sale, it 's been on the market for approximately 410 days. I received a call back a few hours later on the same day stating the bank had declined my offer. It 's ironic how it took the bank 4+ months to decline an offer of {$190000.00}, however, it took the bank less than 4 hours to receive and decline my offer of {$200000.00}. Therefore, I want to verify that Bank of America reviewed my offer and took the correct steps of declining the offer. I did n't receive any type of written decline. Therefore, I 'm hoping the compliance department can perform their due diligence and provide me with some guidance on the process of declining in less than 4 hours. Most financial institutions leave paperwork on their desk for more than 4 hours before getting an opportunity to review it. My phone number is XXXX. Also, the offer was accepted by the seller.
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing late payment this is inaccurate. 


XXXX ACCT : XXXX
Product: Student loan

XXXX Called Navient in regards to an extremely high and rising interest rate. I wanted to know why this rate is so high and what they can do to lower the rate. I have been paying off the loan consistently. I understand the interest rate is variable, but at XXXX   % and rising, how can they realistically expect me to pay this loan off? The principal amount isn't being paid down only the interest. This is stealing, and is an unreasonable rate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my checking account in XXXX  XXXX XXXX received a wire in transfer ( {$6200.00} ) from US Bank. 

On XX/XX/XXXX, XXXX XXXX XXXX put a fraud hold on my checking account and I can not get access to all the money I have on my checking account ( over {$80000.00} XXXX. 

After constant and torturing communication with XXXX  XXXX XXXX, the staff in the wire fraud department from XXXX XXXXXXXX XXXX told me that it is US Bank that put a hold on my checking account and there is nothing they can do. 

The investigation conducted by US Bank could last from 10 business days and 90 business days, during which time no money in my account can be moved. That is absurd because my checking account has over {$80000.00} and the money in that wire-in is only & XXXX. All my money is in that frozen checking account and I can not even buy groceries or XXXX. 

My request is that USBank withdraw the fraudulent hold on my checking account so that I can get access to the rest of my money or part of my money aside from {$6200.00}.
Product: Checking or savings account

Booked 5 hotel rooms at a XXXX XXXX in XXXX NJ using my debit card to reserve the room. When we arrived to check in, we told them to not charge my card and use a different persons card for the rooms. When all was said and done, the company charged the other persons card for all 5 rooms, but then also charged one room to my card. I submitted a claim with my bank and apparently the bank statement from the other person showing that they were charged for 5 rooms wasn't enough documentation for them to refund my money and my bank is denying my claim. I have documentation to provide proof of all of this.
Product: Credit reporting or other personal consumer reports

Experian allowed a fraudulent collection agency to add a debt not owed to my credit profile without taking the proper steps to confirm the validity of this debt. I do not owe any collections and this has impacted my credit score severely by plummeting my score by XXXX points. It is their responsibility to validate and confirm the debt is actually owed. They took no steps to research they simply just added a late payment and collection which is 100 % false and illegal. I have perfect credit no late payment no past due debts, no negative factors until they allowed XXXX XXXX to add this falsified charge. This is criminal and I will be seeking legal action.