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

I recently reviewed my credit report and found unauthorized inquiries. 
I tried to contact the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be  inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Mortgage Reporters XXXX BYMAILONLY XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXX XXXX BYMAILONLY XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX Business Type All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Name XXXX   XXXX Inquiry Date XX/XX/XXXX Business Type Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Personal Loan Companies
Product: Mortgage

For a number of years I have been trying to refinance my mortgage with BB & T bank at a lower interest rate in order to lower my mortgage payments to help me and my family to pay more on our high credit card debt. Despite my excellent payment history with BB & T in regards to mortgage and other loans with them, they refuse to offer me a mortgage at a lower interest rate stating that my credit score is too low and that my outstanding commercial loan balances XXXX credit card debt ) is too high. This has been very frustrating for me as I realize that the answer to me improving my credit score is to lower my outstanding commercial debt. But it is difficult for me to accomplish this at my current mortgage interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX opened XX/XX/XXXX for {$130.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$400.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$810.00}, XXXX XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX opened XX/XX/XXXX for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a living human being writing a complaint against the company of TransUnion, XXXX and XXXX. My information has been compromised through their inadequate process causing violations on their behalf of the 15 USC 168. This company is furnishing fraudulent inquiries on my credit profile that were not authorized by me the consumer XXXX XXXX XXXX.
Product: Mortgage

I am the primary borrower on an FHA mortgage from Wells Fargo Bank. For my XX/XX/XXXX payment, I accidentally scheduled a payment from an account that had no funds ( because it appears first on the Wells Fargo portal ). 

Wells Fargo 's online system tried to process the payment and ( not surprisingly ) the payment bounced for insufficient funds. Rather than notify me, they proceeded to process the payment 2 more times, resulting in a total of {$96.00} in insufficient funds charges on my originating account. 

My complaint is based on the following : ( a ) If the payment bounced the first time, why would Wells Fargo continue to attempt to process the payment 2 more times without notifying me? 

( b ) Is there anything in Wells Fargo 's documentation that clearly informs the consumer that a submitted payment will be processed multiple times without prior notification to the consumer?
Product: Prepaid card

The eligibilities and entitlements where pulled off and and redirected backpays not put on the directed to deposits on the account attached to the direct express card from being my account information. I think social security income is being stolen. I being robbed by the office in on it telling lies about how you can't be eligible and I became eligible in one of those years and the income from being so high I can't receive it and sent to other accounts. Trial work was staged for the year and not completed for any entitlement. The years from the backpays to be awarded was stolen and put somewhere else. The representative payees are in place for a fraudalent. The award was in on my entitlement. The application was put under my name with eligibility. On my own entitlement.
Product: Debt collection

I was enrolled in a program that confirmed my bill was paid in full. However, during the process, I had to abruptly move from the home. When I called to shut off the utilities, I was unexpectedly informed that I had an outstanding balance on a bill that had already been paid. Now, this debt has been sent to a collection agency without my consent for my information to be shared.
Product: Credit card or prepaid card

I opened a Home Depot Credit Card thru Citi Bank inXX/XX/XXXX. I have only used this card once for a {$32.00} purchase. I had never received a statement or email about the account balance but did go on line in XX/XX/XXXXand pay the full amount due off. At the time I believed the payment had been made and I had a XXXX balance on the account. It seems that they had never collected the payment which I did not realize. I never received a statement from them and in XX/XX/XXXX I received an email saying the payment had never been made and that I now had a balance of {$130.00}. which included interest and late fees of 3 times the original purchase. I immediately called Citi Bank to discuss this issue and was treated very badly by several of their representatives. I was also asked if I would like them to take the money owed from my checking account that they already had that information in their records. Which proves that I did make the payment in XX/XX/XXXX or they would not have had that information. It was not my fault that they did not collect the money from my account. After discussing this they finally did remove one late fee and I made a payment of {$53.00} to bring the account current leaving what should have been a balance on the account of around {$42.00}. I received a statement finally in XX/XX/XXXX and they had added another late fee ( even thou we had discussed the amount owned and I had paid what they requested ) to the account bring the total owed of {$80.00}. I feel that I have been over charged in fees I have paid the original purchase off and now am being charged late fees on late fees. This seems to be a rip off in my opinion and Citi Bank is over charging consumers and has unfair billing practices. I will pay the {$42.00} on top of the payment I already made of {$53.00} because I can not prove that the payment was not originally made but am very upset over the additional XX/XX/XXXX late fee charge. In total I will have paid {$95.00} for a small charge of {$32.00} and will still owe an additional late fee of {$35.00}. Which I am sure next month I will receive another {$35.00} fee on top of that late fee charge. This has also affected my credit report.
Product: Checking or savings account

After a through review and audit of my accounts due to some strange activity on my mobile devices. In my capital one 360 bank account I noticed multiple transactions that I didnt make to an individual named XXXX XXXX XXXX It has been reviled that this individual has stolen this money from my account. In the amount of XX/XX/2022 for {$410.00} one for {$480.00} another for {$200.00} and the last for {$270.00}. All these transactions I disputed with capital one claims department where they lied about issuing my credits. It was advised to me at the time of the original dispute that it would be 1-2 business days to see the credit then after 3 days they never gave me the credit. Then when I called they told me that it would be 10days before I see a credit. Then on the XXXX day they denied XXXX of the claims and kept 2 open then on the Monday after they closed the first two they finally denied the other claims. I went back and forth with capital one and they hid the police report that I submitted to them when I initiated this dispute. They claimed to NEVER HAVE THE POLICE REPORT. I then wrote a complaint to the president regarding this matter and an agent from the credit card side of capital one reached out to me not a representative from the bank side reached out to me. So now it is months that no one has done anything about this. I was discriminated in this whole process by the dispute team at capital one claims department they wrote FALSE NOTES IN MY FILE and on XXXX 2022 on XXXX pm est time on the recorded line it was revieled to me that the reason I was being denied is behavior based that I got into an argument with a member of the claims team so they will not get my money that has been stolen from me. Now they are causing my accounts to be treated in a negative manner. People are hanging up on me. Holds are being placed on me from payments from my capital one bank accounts of mine to capital one credit cards in the last month. We have employed a private detective who has located XXXX XXXX a known felon who is being charged in the state of Florida on multiple felony charges. Now when I call capital one and make them reopen these claims and make sure they have the police report they opened the claims and sent me emails confirming this at XXXX pm est and I was advised to call in at XXXX pm to check the status of my credits where an individual alerted me to the fact that i am being given my credits in XXXX to XXXX hrs. THIS NEVER HAPPENED! I get a individual from the claimsNo dept that says my claims have been denied at XXXX today XX/XX/2022. These claims have been going on since may. The account number is XXXX checking XXXX at capital one 360 account and it has been on restriction since may due to no resolution and the lies by the claims dept. this needs to be handled soon and the credits need to be deposited into my account.
Product: Debt or credit management

Company Name : BEST SERVICE COMPANY Address : XXXX XXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX Account Number : XXXX Good afternoon so I purchased a lease agreement with, best service XXXX XXXX XXXX XXXX XXXX, and have seen this lease agreement on my credit report which was irritating and for awhile and have just now taken theaction to remove it ; being it was collections account from them. It was a few days ago that I reached out to the company and disputed this but from lack of information that I gave on my dispute when disputing this with my credit agencys, I was asked for more information, so Ive decided to contact the company not to long ago and they couldnt provide a purchase agreement when I called and reached out to them, this pushed me to come here, and further settle it, so Im here to try and do that today.So id suggest if they would verify this purchase agreement with me, and please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit immediately?
Product: Checking or savings account

My phone was stolen unlocked. They accessed my Chase Bank account unlocked and made multiple withdrawals from my checking account. Despite providing a police report to Chase showing my phone was stolen they determined I was responsible for the charges. I was in the bank the next day as soon as they opened to notify them of the fraud.
Product: Debt collection

i was sued by XXXX for hsbc the debt is not mine there fraudlent charges on the acct they agreed in court to stop collecting the debt. 
and remove it from my credit report.Im getting getting harrassed by a company called XXXX .they do n't stop bothering and there violating the court agreement of docket number XXXXXXXXplease have them remove all negative i nfo from my credit report asap and stop harrassing me
Product: Credit reporting or other personal consumer reports

I recently received confirmation from the XXXX  court stating they did not send my information to the credit reporting agency which means they found and reported it without my consent or sending me any information to verify it was correct which is a violation of U.S. Code 1681b permissible purpose. Also I am the only one who can verify my information correctly before anything is attached to my credit file and they did not send me any information ( physical verifiable proof ) XXXX  so I could confirm that it belongs or did not belong to me which is another violation of FCRA law 15 U.S. Code 1681s-2, 15 U.S.Code 1692j and 15 U.S.Code 1681c. For each violation I could receive monetary compensation of up to {$1000.00} in the court of law, but at this stage of the process I will settle with deleting and blocking it from my consumer report effective immediately also I have attached documentation signed by me and the court stating they do not report to any credit agency which means they stole the information and reported it without my consent or the courts consent that is illegal on so many levels. This has stained my consumer report and caused me so much damage physically, mentally, and financially. I am a single mother working to get me and my kids a place to call home but the credit reporting agency has placed obstacles in my way making it extremely impossible to overcome. im drained mentally and physically and have exhausted all my resources trying to overcome this hurdle. I have been doing intensive researching seeing how is this possible for them to do to me and I have found that what they have done to me is highly illegal and devastating to my future. I just ask the CFPB to help me overcome this battle so I can move forward with my life in peace. Thank you for your time and consideration to listen to what I had to say hopefully you resolve this issue immediately or I may have a mental breakdown due to stress and XXXX.
Product: Checking or savings account

I signed up with " XXXX XXXX XXXX '' last year to help consolidate my debt. I authorized payments in the amount of {$490.00} each month. They withdraw using a third party called " XXXX XXXX  ''. Those payment where to be disbursed to XXXX XXXX XXXX and XXXX on my behalf after a agreement was made. None of my payments have been used to make any payments on the account in there program. In fact XXXX XXXX is now showing " charged off '' on my credit and XXXX bank is suing me. Ive submitted all this information to Chase Bank and submitted documents supporting this claim. They say there is nothing they can do on there part cause this was a automatic withdraw and not a debt card purchase. 

Ive attached the charge off on my credit, the summons from XXXX for none payment, the XXXX  report showing this is happening to countless number of people, also providing where they state they have come to a settlement with XXXX XXXX for the amount of {$3600.00} which was supposedly paid in XXXX as was never paid. They are using " XXXX XXXX XXXX '' who is a real lawyer and using his information to pose as him. 

I need help please. They have collected {$6000.00} I need this money back so I can personally settle with XXXX before I'm suppose to be in court for none payment. 

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

Pulled credit application placed credit inquiries on credit reports I didnt apply for credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX ), a credit company that I have had an account with in good standing with since XXXX, recently ( XX/XX/XXXX ) reduced my available credit by almost 50 % without notice to me, and apparently based its determination on its unauthorized review of one of three credit reports, despite that all reports for me indicate, that as I have with XXXX, I have paid all credit bills timely and sufficiently. 

More alarmingly, it reduced my available credit after I made a large payment toward the bill ( from XXXX to XXXX ). This is a predatory practice that I imagine they are implementing broadly at this time. It needs to be reviewed immediately. The pure lack of notice is enough to suggest the predatory illegal nature of its actions. When I spoke with the company today (XX/XX/XXXX ), they explained to me that they accessed one of my credit reports, and due to my high use of credit available ratio, they unilaterally reduced my credit as soon as I paid 1/2 of my bill off. This is going to go down with the predatory loans made for mortgages if it's allowed to continue. Notice.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against all credit bureaus Experian, TransUnion, and Equifax. They are failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, all three are responding within 24 hours stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violated the Fair Credit Reporting Act ( FRCA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, all three bureaus ' actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request for the CFPB to take action against XXXX, TransUnion, and XXXX to ensure they comply with federal law and provides consumers with the necessary proof of investigation. The accounts are as follows : XXXX XXXX XXXX ( Collections ) Fraudulent Account I did not live there, and this was taken out in my name. Account # XXXX Amounts reporting {$1600.00}, and {$1600.00}. 

XXXX XXXX ( No knowledge of this information or account as it is a fraud as well. Account XXXX XXXX  XXXX XXXX XXXX past due of {$19.00}. I have no credit cards that says this name.
Product: Student loan

Back between XXXX and XX/XX/2015, I requested for a deferment on my student loans that had gone out of deferment. I was informed that all payments are deferred till the following year. Because I was told they were deferred, I never checked for any correspondence from Nelnet. In XX/XX/2015, I noticed on my credit report that Nelnet reported my account being late for more than 3 months. Because I was told by their agent that my loan was adjusted over the phone till the following year there was no obligation to make any payments and their reporting is inaccurate. I have disputed this several times and they have not done a proper investigation and accept responsibility because it was one of their agents that informed me that my payments were deferred. I have asked for the phone conversation on that day and they couldn't produce it. This has a negative impact on my credit and I want them to do proper investigation on what happened on that day in XX/XX/2015 when i requested for the deferment. I have a 100 % track record of never being late with any of my creditors. This is the only account that has ever been late and that's out of the norm. This is a clear mistake on their end and they are refusing to take responsibility of their own mistake. I have filed a dispute with XXXX  in the past and they have not done a proper investigation into this and still this has been on my account for almost 4 years now and I am 100 percent sure they are wrong on this one and my track record shows it and you can see i paid all my lenders 100 % on time for the past 14 years.
Product: Credit card

On XXXX XX/XX/2024 my USAA credit card was stolen and had two unauthorized transactions. Both transactions were {$200.00} each, totalling to XXXX. When I found out my card was stolen I called USAA to cancel my card and dispute these two unauthorized charges. On XXXX XX/XX/2024 USAA said these charges were not fraudulent and I am liable for these unauthorized transactions. Please I need someone to help me with this because I am being treated unfairly in this situation.