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

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX XXXX ( Bank ) : XX/XX/XXXX : XXXX ( Finance ) : XX/XX/XXXX : XXXX  XXXX ( Bank ) : XX/XX/XXXX : XXXX  XXXX ( Bank ) : XX/XX/XXXX : XXXX  XXXX ( Finance ) : XX/XX/XXXX : XXXX  XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX ( Finance ) : XX/XX/XXXX : XXXX  XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX XXXX ( Finance ) : XX/XX/XXXX : XXXX XXXX XXXX ( Finance ) : XX/XX/XXXX : XXXX XXXX XXXX ( Finance ) : XX/XX/XXXX : XXXX  XXXX ( Bank ) : XX/XX/XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX BAN, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX BAN, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX BANs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA XXXX MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA XXXX MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within XXXX business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Mortgage

My home mortgage is scheduled to come out of my checking account on the XXXX of the month and has been since my mortgage started in 2009. It is sent by mail from NY to MD on the XXXX. Allof a sudden it is not getting there before the XXXX, which is their late date and I was charged on 5 occasions at {$110.00} each. Why all of a sudden they are getting there late. One was even posted on the XXXX of the month. We spoke to XXXX, our bank, and they said it should not take 10-12 days to get to Maryland from New York. I did speak to M & T Bank and they did reverse 2 late charges but I feel they should reverse them all. 

They wanted me to let them have access to my XXXX account to pay my mortgage but I do n't want that. I am going to change the date that it comes out of my account or I may send it by mail myself.
Product: Checking or savings account

I was charged an over draft fee on XX/XX/2025 and XX/XX/2025, each charge was {$36.00}, totaling {$72.00}. So my negative {$43.00} balance went to negative {$120.00}. When my paycheck came in. it covered what I was overdrafted plus the fees, so I called to see if I could get a courtesy refund. I had never had a courtesy refund before since I have the over draft protection, which failed this time for some reason. I was immediately told no, with no explanation besides that the overdraft fees were already posted. I asked them to explain why I couldn't be refunded since I had Overdraft Protection and they confirmed my Overdraft protection was turned on but still would not refund the fees. I asked several times to speak to a manager since I should not have been charged the overdraft fees and was told " they will only tell you the same thing '', and was refused a transfer to a supervisor. The only option offered to me was to be transferred to a sales team to get a credit card or a personal loan. Which I told them I had no interest in dropping my credit score for something I don't need. What I needed was the {$72.00} refunded so I could pay my car payment in full since they don't take partial or late payments and would reposses my car. After nearly an hour, and being on hold to supposedly get a supervisor, they hung up on me. I called back, the new representative explained things to me better, but still could not refund the fee for me, she reached out to her leadership to have them review it for a possible courtesy refund. She was not able to get me a courtesy refund however she did explain what her mangers said. My problem is that I've never had a courtesy refund before and I have always paid my negative balance. I have just moved across the country and started a new job, so I havent had a paycheck deposit until now, which I understand, but the account wasn't negative for weeks on end and I paid the monthly maintenance fee as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Help me create a Dispute Letter using 15 USC Code 1681 ( o ) for Civil Liability for Negligent Non-Compliance. Accuracy of Report
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX mailed a letter stating I owe XXXX on a past due account from Barclay Bank of Delaware. Acct ending in XXXX. Date of last payment XXXX. Charge off XXXX. According to XXXX credit report, this account was opened on XXXX, legally paid in full for less than the full balance. Status was updated on XX/XX/XXXX with credit limit of XXXX. On XXXX report, it shows credit limit of XXXX, high balance of XXXX, and paid in settlement, account paid in full for less than full balance with XXXX written off. Date opened XX/XX/XXXX ; date of status XX/XX/XXXX. On XXXX report it shows high balance of XXXX with credit limit of XXXX. Shows as charged off. Last payment made was XXXX ; date updated XXXX. Account was sold to another lender. 

Now XXXX is asking for payment on this debt that was settled in full according to 2 credit bureaus. They have called my cell number 2 to 3 times daily with a disguised phone number to try and get funds out of me. 

I was willing to work out a settlement offer as trying to clean up the credit reports, however, this is inexcusable being this debt has already been paid and none of the numbers add up correctly for what they are claiming.
Product: Credit reporting

I found out I was a victim of identity theft, after going to obtain a mortgage. When I realized this I immediately reached out to the proper authorities, filed an FTC Affidavit and continued on with filing a Police Report at my Local Police Department. I sent XXXX, Equifax and XXXX certified mail on XXXX/XXXX/16 listing the negative accounts and address that showed on my report. As of today XXXX/XXXX/16 ( even though these items are listed in my Police report explicitly ) the fraudulent address and accounts are still listed. This violates section 605b of the FCRA and Section 623a ( 6 ) b. Stating specifically that this information is to be blocked within 4 business days upon presenting a valid Identity theft report. It has been over 120 days, and still Equifax and XXXX willingly choose to violate the law set forth to protect people who have gone through my situation.
Product: Credit card

Unfair and deceptive marketing practices : 1. Sent information about a cash advance, which I took 2. About 6 months later, sent information on upgrading to a Citi XXXX Card 3. Once this happened, my cash advance started to accumulate interest, which was XXXX Interest at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX Balance Owed : {$6600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, an unauthorized inquiry was put on my credit report.
Product: Checking or savings account

I have a robinhood account with my entire life savings in it. 
On XX/XX/XXXX someone breached my account and i let robinhood know so they locked my account. I still can not access the funds in my account.
Product: Checking or savings account

After I deposited check to my checking account on XX/XX/2023 amount of {$500.00} they hold some of my deposited for couple days n I dont have enough money to pay my rent on time n I have to pay for late fee for rent
Product: Debt collection

In 2020 someone stole my identity and opened an account with XXXX XXXX and ran up a {$960.00} bill, which they didn't pay so XXXX turned it over to a collection agency. When I found out about the identity theft I reported the matter to the XXXX XXXX, XXXX XXXX, PA Police Dept. A copy of the XX/XX/2020 XXXX XXXX police report is attached. 

I gave the police report to XXXX XXXX and they told me the account was closed, but it appears they have given it to another collection agency because the {$960.00} bill has reappeared on my credit report at the request of Franklin Collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that CLARITY SERVICES INC has accessed my credit report again without my consent. I spoke with them and they are collecting my personal information without my consent! 
After filing complaints, they contact me and say they got my information from a car deal. A car deal that I did not authorize to pull my credit!
Product: Debt collection

This issue shows that I opened an account on XX/XX/2018 with XXXX XXXX XXXX XXXX and that I owe them {$7100.00} for something I know nothing about. I have sent numerous letters to both Absolute Resolutions who is the debt collector listed on my report and the credit bureaus, as well as XXXX XXXX XXXX XXXX I have not received anything other than an Invoice from Absolute Resolutions saying I owe {$7100.00}. I requested more information and instead of sending me the requested documents they actually updated my credit report to show as new debt and increased the amount. Lowering my score again. 

They have hit my credit report more than once for this alleged debt with no documents showing that I opened an account with them. I did not open an account with them I dont know why this is on my credit report
Product: Money transfer, virtual currency, or money service

Despite using Zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.
Product: Checking or savings account

Ally closed my account without notice after I disputed XXXX fraudulent transactions. They sent XXXX dispute form which I returned with an error. For several months and with over XXXX phone calls I asked to resend the form so I could correct the problem and resubmit. As Ally never resent. They claimed they did but have no proof. Now they say the deadline has been missed. They Refuse to review call logs. They Refuse to honor dispute. They Refuse to send the form. They Refuse to explain why they closed the account. They Refuse to credit the account. As a result currently I'm out of nearly {$6000.00}. This appears to be a fraudulent banking practice. I need my money returned to me.
Product: Debt collection

I believe I already paid off my medical expenses to XXXX XXXX XXXX XXXX XXXX on XXXX in XXXX Texas. In fact I was confused when paying initially months ago because I was apparently being billed by Transworld Systems Inc, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  PA XXXX, XXXX for the XXXX XXXX XXXX XXXX which I do not recall receiving a bill from. 

Needless to say I was skeptical at that time because I never recalled hearing of this company, and XXXX XXXX XXXX XXXX ( XXXX ) never informed me about expecting them to bill me on their behalf. At that time I checked the information on the statement, talked to representatives at both XXXX and Transworld and believed I did sufficient homework to reconcile the charges and they appeared to be legitimate. So I payed the amount and later received a notice from Transworld that I over paid and I believe they sent me a riembursement check. 

Now months later I am getting statements from Transworld again wanting to collect over {$1000.00} without any explanation. I believe I already paid what was due previously in good faith and they are trying to take advantage of me. 

I work long hard hours and I believe they know most people are strapped for time and are too stretched to research ( all over again ) and they hope people will just pay. 

Frankly, I do n't trust them and I am very stretched for time. 
I am willing to pay legitimate charges for sure, but how do I know this billing is legitimate? Its been a while and no one from the hospital has contacted me, and there is scant evidence on the Transworld Statement to even begin to believe the charges. 

There 's no history of past payment so I can not tell if they have done their homework and know if they are trying to charge me for the same service I already paid for. 

I need some help! They need to show me why I owe anyone money. If I sent them a statement out of blue, or to anyone for any reason, why would any rational person or business expect a payment for something that had no explanation for a service that supposedly occurred in the past that you barely recollect and believe you already paid for. This is insane?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal dispute to update my personal information in my Equifax credit reporting file.I 'm requesting that my address be updated in Equifax reporting system. Enclosed with this dispute is all documents I faxed to Equifax on XX/XX/2022 along with fax confirmation proving Equifax received these documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 3. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 4. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 5. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
6. Validate Account XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I mailed Experian a letter on XX/XX/XXXX and received notification via email on XX/XX/XXXX that my disputes were open. On XX/XX/XXXX, I received my dispute was completed and ready to view via email. After, reviewing my dispute result I seen that no action was taken to verify the information although I provided proof that the XXXX account was reporting inaccurate information to each bureau. After, their investigation they updated information as well causing even more inaccurate information to report on my report. 

They reported their investigation verified and updated information unrelated to the dispute. But, how? If Experian verified the information, why did they delete information? The account still sits on my report inaccurate. Per FCRA, I have the right to an accurate report. 

The following reports inaccurate : XXXX  -High Balance -Date of Last Activity -Closed Date -Payment Status ( After dispute, Experian removed only the positive months ( XXXX and XXXX of XXXX ) -Last Verified
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX  credit card Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 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: 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. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened a new checking and savings account with Citibank due to their advertisement of a {$400.00} bonus for opening the new accounts. I have received confirmation that I qualify for the bonus but Citi is refusing to fund my account with the bonus. I have attached a copy of the letter confirming that Citi acknowledges that the bonus requirements have been met.
Product: Mortgage

I sent an Error Resolution Notice to M & T Bank concerning an error in the application of an unknown payment to my account. I did not make that payment and M & T Bank did not disclose the source of the payment. I requested that M & T Bank provide me with copies of all documents and information that they relied upon to post the transaction to my account. See attachment : XXXX M & T Bank has not corrected the error. M & T Bank has not provided me with a written notification that includes a statement that M & T Bank has determined that no error occurred, a statement of the reason or reasons for this determination, a statement of my right to request documents relied upon by M & T Bank in reaching its determination, and information regarding how I can request such documents. See attachment : mtbank_letter.PDF
Product: Credit reporting, credit repair services, or other personal consumer reports

Too many HARD PULL inquires .... I applied for a VA refinance their should have only been ONE Hard pull not Eight as it appears ....

This complaint -- inquiry is only about the refinance on my VA mortgage ... .. and no other credit ( Hard Pulls ) for other mortgage or credit cards ... ..