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

I had a XXXX XXXX credit card through XXXX that I called to close over a year ago. Last week, I got a notification that Capital One had made a hard credit inquiry on me. I had no idea why until today - I received an unsolicited XXXX  XXXX Credit card through Capital One, which is XXXX XXXX new provider. I called, and Capital One had no record of the account being cancelled. They say they can not remove the hard query ( which hit my credit score ), and that I also had to cancel the account again ( which will hit my score AGAIN ). I did not authorize any of this, and have had my score hit twice because of someone elses mistake. Please note that my last name is now XXXX, but the card was issued in my prior name ( XXXX ), in case that helps with identifying the matter.
Product: Credit reporting or other personal consumer reports

Credit Reporting on TransUnion showed that I owed balances and did not pay on XXXX Credit Card. 

I never applied and had XXXX credit card and therefore, I have never received any card and charged on the card and I never received any monthly statements from XXXX and I have never paid any amount to XXXX. Also I have never received any delinquency notices from XXXX. 

But this was shown on the credit report and I wanted to correct by filing dispute to the credit report but TransUnion concluded the investigation by stating that XXXX is correct and would not remove this item from my credit reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, XXXX XXXX XXXX XXXX Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to these or any other entities to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well- being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. 
Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 
2. The source of the inquiry. 
3. Steps taken to rectify any errors or inaccuracies in my credit report. 
4. Verification of the removal of the disputed hard inquiry from my credit profile. 
5. Updated copy of my credit report reflecting the amendments made. 
I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This complaint is the follow up to my complaint that was submitted back on XX/XX/2019 against Bank of America which was forwarded to MsXXXX XXXX XXXX, Bank of America Regulatory Complaints Department, @ XXXX ( XXXX ) XXXX ext. XXXX. 
At the time I had applied for a Bank of America Platinum Plus credit card, I had a XXXX credit score and was denied for reasons that do not appear on my credit report. I had a bankruptcy several years back which have been discharged and do not appear on my credit report however Bank of America denied me credit based on criteria that is no longer relevant which was discharged and is well past the 10 year period. Ms. XXXX made ONE attempt to contact me, left me a message with her name, number and extension and asked me to call her back to verify my identity. I called Ms. XXXX, however after leaving numerous messages I never received any response. This matter WILL NOT BE SWEPT UNDER THE RUG. Ms XXXX response : The company sent its response directly to the consumer because it could not confirm who submitted this complaint. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint. First off this is a JOKE! 
I have NEVER received the response from Ms XXXX or Bank of America, so as far as I am concerned this complaint as not been resolved and I am not going away. I want answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you because the XXXX major credit reporting agency are reporting inaccuracies information on my credit report XXXX, XXXX and TransUnion. This account was deleted from my credit profile and was reinserted, Section 611, states I was to be notified in XXXX business days of this account being reinserted back onto my credit profile and also according to the FRCA all XXXX credit reporting agencies must have the same information. 

I also opening up a new dispute on XX/XX/2023 and got a response back in XXXX  days that the item was verified as mines. It take an investigation XXXX days. So I'm assuming they never investigated the account. I stated in my dispute please provide all statements showing the exact past due any miss payments and the exact date this account became negative. 

I tired to filed another dispute with TransUnion and XXXX received a documents saying I can't opening another dispute according to the FCRA as a consumer you can dispute any reporting inaccurate information reporting on your credit profile. Below is the account in question. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My personal information was exposed in the data breach that affected billions of people and info on my credit profile is wrong and not correct
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Today, XX/XX/XXXX, XXXX I was going through emails and noted that on XX/XX/2022 at XXXX I received an email from Bank of America XXXX that an online application was in process. 
I received a second email from Bank of America XXXX with the exact same time stamp as above reading your application was approved. The contents of that email read that my new account was open for Bank of America XXXX XXXX Banking, including an account number. 
I have a third email from the same address with the time stamp of XX/XX/2022 at XXXX with a link to view service agreement. 

I did not open such account and do not bank with Bank of America. 

After seeing these emails, I immediately do a search for the email address that sent them and also searching for other reports of the same incident- I came across a huge XXXX XXXX with the users posting the exact same complaint, with the most recent post being today. The users claimed they made attempts to call Bank of America and report the fraud- and every post stated Bank of America could not assist with the report because of various reasons. Most users reported they had to start the process by submitting a complaint through this website- which is why I have not contacted Bank of America and submitting my complaint first.
Product: Checking or savings account

I was notified that If you had a Wells Fargo account between XXXX and XXXX, you might be one of the 16 million customers who qualify for damages, says the Consumer Financial Protection Bureau ( CFPB ). For bank account holders, some were incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent. I had a joint checking and savings account with my ex-husband. The names on the account were XXXX and XXXX XXXX
Product: Credit card

I applied and was approved for card.60 days and no correspondence.I had inquired via phone.Received call XX/XX/XXXX for late payment.I informed I had never got card or bill.Also asked not to be called on Sunday.Was told reported lost card and bill was on its way.I received bill on XX/XX/XXXX and got another call on Sunday am XX/XX/XXXX. I explained I had bill and would pay it the following week and no late fees should apply.Home Depot card
Product: Debt collection

One XX/XX/2018 I sent a letter to Portfolio Recovery Company requesting that they validate the debt for the accounts they are posting on my credit report. I have asked for the original contract as I do not recall having any accounts with them, neither have I authorized it. 

They have responded on XX/XX/2018 with generic information from all three accounts stating that at the time of the sale, the Seller provided an electronic file of its business records concerning the account. This tells me nothing about the original transaction. They don't have any of the information I asked for. They haven't provided me with the contract mentioned before, verification procedures of how my identity was confirmed prior to opening these accounts. They have been providing other information, however not the most important ones. 

PRA doesn't have the right to continuously report and hurt my credit without being able to properly verify these items they are reporting on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I discussed loan refinance with a lender, XXXX XXXX. I gave the permission to pull my credit around XXXX. Less than hour later, I became inundated by unsolicited phone calls from other lenders or their representatives who obtained my information from the credit bureaus, ( Equifax, XXXX and XXXX ). They all claim that they are partners with these credit bureaus.

I did not agree for my information to be shared with anyone! 

Who gave these people my phone number??? 

Why are credit agencies matching the credit inquiry with my phone number and giving to these other parties - I did not authorize that. 

I lost several hours of my time just handing the calls.
Product: Mortgage

two issues : First, I called New Rez to request XXXX from XXXX. Two phone calls and I was promised they would email me the docs right away. Then, when neither call yielded results, I called back a third time and asked to have the docs mailed to my home address. I have heard nothing. XXXX XXXX ( XXXX XXXX ) was my previous mortgage servicer but I don't know how to get these reports from them. 
Second : I got charged a late penalty and I requested help in getting the charge erased due to problems my checking account bank had had with a security breach. I had called called New Rez to change my method of payment online over to another bank account at another institution. I was under the impression that if I called and talked to someone in customer service, that was all I needed to do. However, I was not told that I also needed to have gone into my online account with New Rez and make the change separately and additionally. I never knew this. This caused my processing that month 's payment to be late and I was charged a penalty. This happened several months ago and I have still not gotten the penalty excused. 
I am very unhappy that my mortgage got moved to this mortgage servicer where customer service is not existent.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, In XX/XX/XXXX, I was notified by Experian of a credit score increase to XXXX. My payments are exceptional and due to the pandemic, I ensured that I paid all of my credit cards off, just in case. In XXXX, I was notified by one of my credit card companies that they were raising my credit limit and switching me from a secured to an unsecured credit card with a XXXX dollar credit limit. I assumed that such a congratulatory event would cause an increase in my credit score.  Unfortunately, they dropped it to XXXX for no reason. I assume because I was not using my credit cards at the time. I sent an inquiry and they reflected an increase in the limit on my credit card, but the score remained. 
I pay my credit cards off, whenever I use them and I don't use them unless it is needed. I find it strange that consumers are penalized for not using credit frivolously with the reporting agencies attempting to goad us into " boosting '' scores by adding utility bills. I think it's a scam and it should be investigated. I'm attempting to recover my score, after filing bankruptcy in XXXX. I have been exceptional in my payments but regardless, I am remaining in a subprime lending zone, when my behavior doesn't warrant such a position. Please investigate this, as it is unfair.
Product: Credit card or prepaid card

I experienced fradulent withdrawals from my Bank of America Nevada Prepaid Card. I filed a fraudulent claim and upon receiving the new card I was unable to open it because my account was closed. Bank of America tells me it is the Nevada Unemployment Offices fault, while Nevada Unemployment tells me they have nothing to do with Bank of Americas card services. I have played ring around the rosie for a week now. Neither of these insitutions have any idea on how to activate my new card, so I essentially just claim my weekly UI payments for them to go absolutely nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the XXXX. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Vehicle loan or lease

We purchased a yacht in XXXX with a loan of {$150000.00} with a total purchase price of {$210000.00} The loan originated through XXXX and was serviced for many years then became XXXX XXXX XXXX. 
In XXXX Santander Consumer Lending became the new loan service company. 

It was a 20 year loan that would be paid off in XXXX We paid the loan off early in XX/XX/XXXX in Full Santander shows on two of my credit reports showing the loan paid in full and a charge off. On the XXXX  report they have two reporting, one report shows the payment that paid it off on XX/XX/XXXX The second Separate reporting shows the loan had payments made during the months of XXXX, XXXX, XXXX, XXXX, XX/XX/XXXXand showing it as a charge off account in XX/XX/XXXX XXXX  told me that they would delete the account that shows the payments and leave the reporting that shows the account as a Charge off. 

Santander Consumer USA phone is ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Our loan number was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX I have been reaching out to the 3 credit bureaus Experian, XXXX, and XXXX since XX/XX/XXXX. It is now XX/XX/XXXX I will enclose documentation of this proof within that time XXXX, XXXX, and Experian have not met my demands or response to information on my credit report in which I want validated. These accounts that I will list below do not belong on my credit report. I have submitted the FTC reports, proof of identification all that was asked of me and my consumer rights are being played with. I am reaching out to the CFPB to provide them with proof of what is going on and to show that I am 100 % right in this situation in which XXXX, XXXX and Experian are forcefully reporting delinquencies and not responding letting me know the results of their investigation.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Unauthorized Credit Inquiries and Request to Opt-Out of Future Inquiries XXXX XXXX TRANSUNION I am writing to file a formal complaint concerning unauthorized hard inquiries on my credit report, which I believe constitute a violation of my rights under several key regulations and statutes including 15 U.S.C. 1681 ( Fair Credit Reporting Act ), 15 U.S.C. 6802-6805 ( Gramm-Leach-Bliley Act ), 12 CFR 1022 ( Regulation V ), the Privacy Act of 1974, and 16 CFR 313 ( Privacy of Consumer Financial Information ).

**Violations Noted : ** 1. **15 U.S.C. 1681** mandates that consumer reporting agencies must ensure the accuracy and fairness of credit reporting, and only allow access to credit information for permissible purposes. Unauthorized inquiries do not meet these requirements and thus, represent a breach of this statute. 
2. **15 U.S.C. 6802-6805** obligates financial institutions to provide consumers with a notice of their privacy policies and practices, including the right to opt-out of information sharing. The persistence of unauthorized inquiries reflects a failure to adhere to these provisions.

3. **12 CFR 1022 ( Regulation V ) ** ensures the accuracy and integrity of information provided to consumer reporting agencies. Unauthorized inquiries demonstrate a failure in maintaining the privacy and integrity of my personal financial information as outlined in this regulation. 
4. **The Privacy Act of 1974** protects against the unauthorized disclosure of personal information held by federal agencies. While primarily applicable to government, the principles mirror my rights to privacy which are being violated through unauthorized credit inquiries. In light of the above, I am exercising my rights under **16 CFR 313 and specifically 16 CFR 313.7 ( f ) **, which support my decision to opt-out of any further reporting of credit inquiries on my credit report. This request is to ensure the protection of my personal financial information, as guaranteed by federal law. 
I demand immediate action to : - Cease all future credit inquiries without my explicit, written consent. 
- Remove all previous unauthorized inquiries from my credit report. 
- Provide written confirmation of these actions. 

Failure to address these concerns promptly will leave me no choice but to seek further legal counsel to protect my rights. Please, upon deletion, send me an updated copy of my credit reports.
Product: Credit reporting or other personal consumer reports

I have requested my consumer report due to such high rates when trying to get insurance they XXXX XXXX told me that they get there information from LexisNexis or XXXX XXXX or XXXX but it seems they are all the same company?. When I contacted LexisNexis the gave me the run around, and so I finally got online and tried to do a credit freeze then I tried to opt out of there service all together. I got multiple letters from them in the weeks following but no actual report. I tried to access the report online using the pin they gave but I couldn't, so a few days later I had my mother try on her computer it gave XXXX links to click on. the first link was XXXX pages and the other XXXX. It wouldn't let her print it off. so I was able to get video of the first report but the second I didn't have time before it wouldn't let us access it. ( an hours time ) The first report had multiple errors, they didn't freeze my credit like I requested, the gave me multiple consumer numbers and case numbers they made it so confusing and frustrating I feel like giving up I'm sure most people do. It also listed my families information on it I don't want my family members linked to my report like that! I just don't know what to do I need your help!!
Product: Mortgage

I went through a divorce in XX/XX/XXXX. The house was underwater so I had to walk away from it. The note was for $ XXXX. The missed payments were reflected on my credit back in XX/XX/XXXX. About nine months ago I received a letter from Ditech XXXX ( formerly GreenTree Servicing, they changed their name in XX/XX/XXXX because of a class action lawsuit ) that I owed them $ XXXX. Now it 's showing up on my credit that I 'm 90 days late on a mortgage payment. I think this is fraud. I do n't owe that amount and this should have been foreclosed on years ago. What recourse do I have?
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize