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

I have noticed that XXXX XXXX have placed an inquiry on my Experian and XXXX   credit file dated XX/XX/2018. When i was aware of this i contacted both Credit Bureaus and was told by the fraud team they cant dispute unauthorized hard inquiry 's. 

As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Both XXXX  and Experian report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my XXXX and Experian file without my permission. I do hope that we can settle this matter amicably.

You can remove the inquiry within one ( 1 ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees.
Product: Checking or savings account

I opened a checking account and a savings account late XXXX, 2019 with citibank under a promotion they were running where you would get a {$400.00} bonus if you opened both accounts and put so much money in the account for 60 days. I did meet the requirements and had not received my bonus money so I called. I was told I had to wait another 90 days to receive the bonus money, so it should be in my account middle of XXXX. I just called today to inquire and the gal originally said I had to wait until XXXX for the bonus. After I explained to her what 60 days plus 90 days equals in months she proceeded to calm down and look into it further. After being on hold for 10 minutes she came back and said I should have been paid last week but for some reason I wasn't and she would have to transfer me to someone that dealt with online bank accounts. She proceeded to hang up on me. I would like my {$400.00} bonus money paid as agreed by 2 parties now that said I met the requirements for the bonus money, as well as a look into the poor customer service I received on the phone today. XX/XX/2019 roughly XXXX central time. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized Hard inquiry on my report dated XX/XX/2022. 
I demand under FCRA Sec 604 : XXXX. Permissible Purpose XXXX. My written Authorization XXXX. Proof that I personally initiated this Inquiry. 

There has been no Response since XX/XX/2022.
Product: Credit card

Discover sent me a forward XXXX form to fill out and I call them. 
On the phone it came from Discover Credit Card and I ask them this seems funny. 
Also there was no return address from the sender. 

Discover start calling me from a XXXX area code but it was a direct number in which some one was asking me over the claiming to be from discover. 


Name, age, address XXXX Discover started harassing me over the XXXX form daily. 

Discover also has not sent me statement after all this started. 

XXXX I have no dealings with them after all there Breaches and fraud committed on consumers. 

I call Discover they was very rude on the phone and I been getting the run around about my account and a mail statement. 


Since day one of this credit card I was receiving statements I always paid this account on time now all sudden my account is all mess up due to this XXXX mess by discover. 

Discover has no reason calling me asking me info of all my info address phone number full social security number date of birth verbal on the phone. 


always calling out of XXXX az rude talking crazy. 


I have also consulted an attorney to Discover harassing me and all happen.
Product: Mortgage

Through my lender I was approved for a trial modification and completed it just prior to Covid-19 shutdown. I didn't sign the final modification paperwork because of knowing that due to the pandemic I wouldn't be able to make the payments. My mortgage holder assured me that I wouldn't be at risk of foreclosure due to the federal safeguards put in place for homeowners. I reached out and was approved for a program that would pay my past due and 6 months on future payments. That program reached out to my mortgage servicer but they said I needed to reapply for a new modification in order to have an amount given to bring current. It took over 8 months of back and forth of submitting paper and being told different items were needed to finally receive a new modification. The program had closed without any notification and when contacted they advised me that although I signed the loan documents ( forgivable ) they sent the funds back to the Treasury department. My new modification is requiring a {$20000.00} good faith payment which coincidentally is the amount that I was guaranteed by the program. I reached out to my lender/servicer and let them know that I no longer have that grant and asked if they could decrease the good faith payment and was told No. My lender has blocked any access to my being able to make any online payments. I requested a copy of my most recent statement of which it doesn't reflect any payments I made on the prior trial modification. I have since tried applying for a new program and am awaiting notification of acceptance. Below are the groups/companies/agencies I have worked with. 

Mortgage company-SN Servicing corporationXXXX XXXX XXXX XXXX, XXXX CA. 

OHSI-Oregon Homeownership Stabilization initiative ( was approved, signed promissory note, funds never distributed ) OHAF-Oregon Homeowner Assistance Fund-submitted application for help .
Product: Credit card or prepaid card

I signed up for a new PNC cash reward credit card and was suppose to get a bonus of {$100.00} when I spent {$1000.00} or more in 3 billing cycles which I did. Unfortunately XXXX and PNC both blame each other for I not receiving the promotion and have refused any compensation after numerous phone and bank correspondence. I am now asking the CFPB to send both XXXX and PNC this complaint for a timely response for failing to honor and advertised promotion and reason why and ask they include the legal address to send any possible future notices of appearance if unable to resolve this matter. Furthermore, this complaint was sent to the CFPB to take note that it may upon further investigation possibly trigger discovery of predatory banking practices and unfair business practices with possible violations of the Dodd Frank and Consumers protection acts. Opening new accounts and credit to cosumers under false pretenses is not only unfair business to consumers it is also unfair to big banks like XXXX and XXXX XXXX XXXX who offer competing offers.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion 's customer service would not help and take care of the negative inquiries reporting on my credit report. I have sent several certified letters advising them that following inquiries where not authorized by me. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX
Product: Consumer Loan

I did not give permissable authorization for XXXX XXXX to request or view my credit report for a vehicle loan nor did I need financing from any of the lending agencies they solicited my SSN # to. Allied Financial used an erroneus address to fraudlently produce a loan application. The actions taken by this company were fraudlent and the finance represent named XXXX was fired after I reported her and salesman XXXX XXXX that they violiated my credit privacy. I hereby warned XXXX CEO and store manager XXXX that I demanded their office to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation.
Product: Credit reporting or other personal consumer reports

I have noticed inaccurate information in my report. Despite several attempts to send my documents to the credit bureau, they continue to fail to acknowledge my identification. I believe this may be a stall tactic, and the bureau is refusing to comply with FCRA guidelines.

I am demanding that the credit bureau acknowledge my documents and promptly remove all inaccurate information I have submitted to them. Their failure to act is a clear violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with experience XXXX of XXXX because XXXX XXXX which who I had a XXXX credit card through issued by XXXX XXXX is reporting that the account is open. The account is not open I voluntarily close this account XXXX of XXXX. The result of the dispute that I filed with Experian in XXXX was completed XX/XX/XXXX they changed nothing on my credit report and showing the account still as open when it is closed. I will be attaching a letter that I received from XXXX XXXX XXXX XXXX issuer of XXXX credit card stating to the fact that the account is permanently closed.
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 XXXX : Account number : XXXX Account Name : XXXX XXXX : Account number : XXXX Account Name : XXXX XXXX XXXX  XXXX : Account number : XXXX Account Name : XXXX XXXX : Account number : XXXX Account Name : XXXX XXXX  : Account XXXX : XXXX Account Name : XXXX XXXX : Account number : XXXX Account Name : XXXX : Account number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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: Debt collection

This debt appeared on my credit report this month and I never received any notification about debt plus this debt was previously deleted off my report from XXXX  under another debt collector XXXX  ( XXXX XXXX XXXX ) .This company must have sold the debt and it was acquired by DIVERSIFIED ADJUSTMENT XXXX XXXX  XXXX XXXX 2018 {$660.00} .The last company didn't have proof that this debt belonged to me and so it was deleted off my report and by law it shouldn't have reappeared on my report
Product: Checking or savings account

I filed two separate Debit Card Disputes with my XXXX XXXX  XXXX Bank of America ) regarding services not received through Apple Cash. 

The first dispute was filed on XX/XX/year>, per Regulation E for debit card disputes my bank should of issued a Provisional ( or temporary ) credit back into my account by XX/XX/year>. I called and spoke with a representative who told me that my dispute does not qualify for a provisional credit which is incorrect. 

The second dispute was filed on XX/XX/year>, with the same circumstance and the credit should of been issued no later than XX/XX/year>. Yet I still have not received anything, or any update or correspondence with the dispute cases
Product: Credit reporting or other personal consumer reports

I recently found a late payment on my credit report that I don't recognize. According to the Fair Credit Reporting Act ( FCRA ), payments are not supposed to be listed. I believe it's a mistake, and I request it be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reported a hard inquiry on my credit report from a company named XXXX on XX/XX/2021. I have not applied for any credit cards, or any other services whatsoever. This has had a direct impact on my credit number. TransUnion indicated that I can not dispute a fraudulent inquiry. 

I contacted TransUnion and they indicated to contact XXXX, file a report with the police, or file a report with the Federal Trade Commission. 

Upon contacting XXXX, they indicated they do not have any consumer line, they only have a merchant line, and that there is no other recourse for me to correct the issue. The police department indicated I can not file a police report for an incorrect credit inquiry as it is out of their jurisdiction. The Federal Trade Commission directed me to file a complaint with CFPB. Hence, the XXXX  of this report.
Product: Checking or savings account

I moved to the US 2 months ago as a permanent resident after I won a diversity lottery and have had a Bank of America account since then. My mother transferred money from my home country to my BofA account via XXXX ; I didn't have a problem with that. 

On XX/XX/28, I tried to log in to the mobile app using my credentials, but it said there was no match. I went to the XXXX XXXX XXXX, XXXX, TX XXXX Bank of America branch ( appointment for XX/XX/28 at XXXX XXXX, Confirmation # XXXX ), where the bank teller said my card had been blocked and gave me the number to call. I called XXXX and was told that Bank of America made a business decision to close all my accounts and ban me for life from being their customer. 

I have been a US permanent resident for only two months and having all my bank accounts closed and banned from Bank of America is unlawful and unfair. I am especially being a XXXX XXXX  with no prior banking/credit history in the US. I used my bank accounts only for my basic needs, such as food, housing, plane tickets, and cellular communication. 

Please, assist me in reverting this unlawful decision. I'm sure that Bank of America 's decision to ban me for life is cruel and illegal, it's my basic need, and I can't pay for food and housing. 

I also can't get the mail, because I was traveling the country and now staying in Texas unable to purchase a plane ticket. 

I came to the US legally as an immigrant about two months ago, and now I am looking for work and permanent housing. Currently, I have to live in a hotel. 

I put all my savings in my bank accounts, and my mother also transferred almost all of her money to me - about {$40000.00}. She did this because in XXXX, against sanctions imposed for military actions, the possibility of transferring money abroad may disappear at any moment. I don't have any other money right now. 

Since I treated the Bank of America as the most reliable bank, I kept all my money in my account. Therefore I have lost the ability to pay for housing, buy food and pay for transport, and pay for any other basic needs of my life since I have no more money. I also have no relatives and acquaintances in the United States and I have no one to turn to for help, currently, I am in a hopeless situation. 

I am ready to provide proof of the legality of all the money in my bank accounts, and immigration status in the United States and answer all questions that the bank may have for me. 

I'm asking you to help the bank to reconsider its decision as soon as possible as erroneous and not to close my bank accounts. 

It's especially very sad because I think the bank treats me this way because of my nationality and immigration status ( only 2 months in the US ), not giving me opportunities other members of society have, with a life ban from banking services ( I'm afraid that other banks will deny me in future because of this unlawful decision ).
Product: Credit reporting or other personal consumer reports

I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

" Your agency is in violation!

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. 
Delete this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX  XXXX 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 this item 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: Debt collection

Diversified Consultants Inc has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

I have been trying to pay a debt presumed owed to this collection agency. I have made XXXX to XXXX attempts but to no prevail. I have talked to a receptionist and they keep telling me to leave a message at another department so someone can call me back. I have yet to hear back from anyone to resolve this issue. I 'm trying to get financing on a house for my family. All I want to do is pay what is presumedly owed so this information can be removed from my credit file and credit report.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$10.00} XXXX XXXX XX/XX/XXXX {$470.00} Late Payment XXXX  XXXX XXXX  XXXX XX/XX/XXXX {$22000.00} - XXXX XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Inquiries NAME XXXX XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. These are the accounts that Ive marked as inaccurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verity as accurate : XXXX XXXX XXXXXXXX XXXX