23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Unauthorized credit Inquiry on XX/XX/2017 Creditor Contact Details PROSPER MARKETPLACE 0 XXXX XXXX XXXX SU XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND attempt to contact anyone at Experian. See my first complaint, # XXXX. Experian did NOTHING to correct the problem in their original ( canned ) response to me in that complaint. INSTEAD, here is my evaluation of Experian 's response : HORRIBLE and NON-EXISTENT RESPONSE by Experian. I did what they ( again ) told me to do -- and AGAIN their phone system DOES NOT WORK AT ALL!!!!!! All they did here, regarding my complaint, is send out their standard canned and placating response. CLEARLY, NO ONE AT EXPERIAN ACTUALLY READ OR LOOKED AT MY COMPLAINT!!! CFPB should force Experian out of business, if they are not even going to change anything as a result of consumer complaints like mine.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

equifax, XXXX, and experian are reporting fraudulent information on my credit reports. i have attached the fraudulent accounts on my ftc report
Product: Credit reporting 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 investigated/updated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I noticed a credit inquiry on my report that I did not authorize or apply for. This unauthorized inquiry is damaging my credit score. Despite reaching out to the creditor to dispute it, no proof of my authorization was provided, nor was the inquiry removed. I am requesting its immediate removal.
Product: Debt collection

Checked my credit report to find that I have a negative claim  from Swiss Colony ( A ccount #  XXXX  ). It states that the date opened was  XXXX   XXXX ,  XXXX , was then closed, charged off and the status updated  XXXX   XXXX ,  XXXX  and the balance is {$640.00}. Last updated  XXXX   XXXX ,  XXXX . I have never ordered fro m Swiss Colony be fore so I called the company at  XXXX   (   XXXX   )   XXXX . The representative told me that I ordered throughout the last few years and that my  s ocial security number was used. The representative then said she would flag it as fraudulent and send me paperwork to file. She never offered to cancel the charges just to say that she ca n't promise the collection agency wo n't still be trying to contact me.     I called bac  k 30 minutes later to see if they could give me the address these items were being sent to but they would not release any information to me. I 'm not sure what the next steps should be as the company will not give me any information and this is negatively effecting my credit score.
Thank you in advance for your help.
Product: Credit reporting or other personal consumer reports

I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. Details of Disputed Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXquifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRAs permissible purposes. Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General.
Product: Credit reporting or other personal consumer reports

Why must one suffer just because of their credit score? It's because of your company that does not review all information that are being reported on our credit files. I have sent out a complaint on my inquiry and has been constantly in stress because out of all my inquiries, only a few have been removed off of my report- negatively impacting not only my scores but also my mental health. On XX/XX/XXXX, I sent a complaint asking for a verifiable proof that all accounts are accurately being reported. None of which any of the companies I sent a complaint to responded with accuracy. I am disappointed.
Product: Payday loan, title loan, or personal loan

Discover bank decreasing my credit limit from XXXX to XXXX which I think is totally wrong they use old information that they claim they got from XXXX XXXX Im off of a automatic system that generates the same old incorrect in accurate information uploaded all current information and Discover still refused to place my credit limit back to where it was that they never sent me any notice about it no formal documentation I was told by They were the rep that told me that Discover doesnt have to let you know if they want to decrease your credit limit I pay my credit bills on time every month I have use my Discover card in many ways I was about to use it to expand my business thats when I found out that my balance was decrease I really wan na close my account out with Discover because I just really feel like Im being treated unfairly as a consumer they didnt even come back with her offer a counter offer which I shouldnt even need one because it was nothing wrong with the amount that I had
Product: Credit reporting or other personal consumer reports

This is extremely worrisome. My credit report has been pulled up by this company and applications were done in my name, I don't recognize this fraudulent inquiry nor have authorized it. I have contacted Experian and a representative told me that it would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Debt collection

XXXX XXXX XXXX filed a judgment with against my social security number incorrectly, they were attempting to collect a debt for another individual with a different name. This cause the XXXX XXXX XXXX to erroneously garnish my tax refund, which they eventually released when they noticed the error. 

XXXX XXXX XXXX have refused to contact us back to fix this issue, and it appears this is an ongoing practice of theirs according to the reviews from other consumers.
Product: Checking or savings account

I dont remember exact dates but I was charged numerous overdraft fees which I believe were illegal
Product: Credit card

In XXXX, I called Capital One and issued a fraud alert, claiming within 24 hours that someone had made an unauthorized XXXX purchase on a card ending in ( XXXX ). They said they would cancel my card and issue a new one. I had a XXXX balance. 

" Despite customer service confirming that a new card was never sent for activation. '' Capital One credit services allowed billing on a new number I was unaware of. 

I did not receive any notices until I received a statement on XX/XX/XXXX, showing an outstanding balance of {$310.00} on an account ending in XXXX. It seems they activated the new account without my knowledge or consent, allowing charges to be billed to a previous address. Even though I was on paperless billing, they switched me back and charged late fees. The charges included a XXXX account and other unfamiliar accounts from California. 

I contacted Capital One, paid the entire balance of {$310.00} to end any more late charges with my debit card, and asked them not to keep that card on file. I informed them I would dispute the charges with the Consumer Financial Protection Bureau. They intentionally issued a new card without me authorizing or activating a new account and only now emailed me for payments and late fees. I want a refund of any interest, late fee, and unauthorized billing. I called XXXX
Product: Checking or savings account

XXXX XXXX, I got reported that a check had bounced from my account, I then tried to ask why, and was told that it was nothing to be done with the check being returned and leaving my Account int he negatives! I later then XXXX, XXXX, contacted the fraud department for resolutions and solutions to this now problem! Was keep getting directed with little but no help On actually resolving issue. I never got tooken care of on the financial background of support, only getting redirected to another line of their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Checking or savings account

I went on XXXX and saw a seller selling shoes. I then contacted him to make the purchase. He stated the price of {$150.00} each pair. I wanted 3 pairs which is a total is {$450.00}. I accepted the price and ask how do I pay for them. He then said XXXX XXXX or cash app. I said I can do cash app because I dont have an XXXX. I then sent the money on XX/XX/2019 to user $ XXXX. This was his wife account because his was not working. I then waited for a tracking number because the seller was stating he was giving me a tracking number once the order is shipped. I never recieved a tracking number nor did I recieve the item I was intended. I then contacted cash app for assistance, they told me to contact the bank I use. I filed a dispute with XXXX XXXX XXXX XXXX. They replied back with a letter stating they cant issue the refund due to the Visa Rules and Regulations. They told me to contact the third party I used which I did already. I dont know where to go from here if both company 's do towant to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations, I the consumer may have given you written, unwritten, verbal, and nonverbal, per 15 USC 1602 effective immediately. The privacy act of 1974 explains that it is illegal to report transaction history. Not to mention as you can see from the attached snippet the account is paid off. The information reflecting on my credit is not accurate. It should be {$0.00}. This has affected my mental health greatly, especially since my utilization is high, other businesses would not work with me.
Product: Debt collection

I am a victim to medical debt appearing on my credit file. " GLA Collection CO Inc '' is alleging that I own a debt. I am certain I do not owe any medical debt and that my insurance company have paid anything that may have been owed in the past. It is a direct violation of the Fair Credit Reporting Act to have medical information appearing on my credit file such as debt that is alleged from a hospital. According to the Gram Leach Bliley Act, I have to give my written consent to have any consumer transaction reported on my credit file. I did not give GLA or any Medical/Financial institution to report anything on my credit file, it is a violation of privacy. It is also a violation pursuant to the Fair Debt Collection Privacy Act, to collect a debt that is not owed. I do not owe any debt and I am being harassed and abused by this collection company. I demand that they cease and desist all forms of communications with me through all mediums just as the FDCPA states. All mediums do include the reporting on my credit file. I also did not give this company any permissible purposeI as defined under the FCRA to report this alleged debt to my credit file. I demand that these collection accounts be removed from my credit file immediately and the debt be XXXXXXXX XXXX  out in their system. This company is in direct violation to the FCRA and FDCPA. I will seek remedy if my request are not met.
Product: Credit card or prepaid card

Sir My Credit union XXXXXX/XX/XXXX ) sent a Payment to Capital 1 bank in error. It was supposed to go to a second card at Capital 1. Now I have a XXXX Dollar+ CREDIT Balance XX/XX/XXXX Card and an Overdue payment on Second Card. Today XXXX XX/XX/2021 ) I called Capital 1 and requested credit payment be transferred to the second due card. They said we cant due that! I said twill XXXX take to get a checkhat I have done that before and Its CLEARED funds. So The lady suggested that I get a refund issued. I asked how long will it take to get it, She said 10 days XXXX Business days ). WE CAN PUT A MAN ON THE MOON IN LESS TIME!!!!!!!!!!!. In the Mean time I cant go out and transfer funds at my bank due to the fact that I am a high risk Person and care giver for a XXXX year old parent, also high risk. This leaves me over due and subject to late fee and reporting to Credit Bureaus. I Don't have the luxury to make a payment while XXXX Dollar payment is tied up, This is DECEPTIVE and out right FRAUD on the part of the bank to charge and collect these late fees ( Also Profitable ). This would not have happened if it wasnt for their XXXX site that I haven't been able to get on for a YEAR. This has happened several times before in the last couple of years,
Product: Credit card or prepaid card

Capital One has a computer glitch which they are not disclosing to credit card users. Capital One made a zero percent balance transfer offer to consumers. Consumers who opted for the offer had the balance transfers show on their statements as a new purchase ( instead of balance transfer at 0 % ) and billed/charged 19.65 %. Capital One says it will take one to two months to fix the glitch. While Capital One works on their glitch, consumers are being told that they must make the minimum payment as due with the zero percent balance transfer being billed as a new purchase at 19.65 %. Capital One is not offering any options to consumers saying only they had a glitch which they have failed to notify credit card users about.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to complaint XXXX. Equifax stated they needed to verify my identity. Even though this is a stall tactic and did not address the disputed account, I have attached my identification. Per the last complaint, the account is reporting late payments during covid and while on deferment these are FCRA violations. The company stated that no one from Equifax reached out for an investigation. Remove this late payment reporting in XX/XX/2020 on account XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were on and protected by the FEMA/Government forbearance after Hurricane Irma, during which time both myself and my wife 's credit report was negatively impacted when our mortgage company Carrington Mortgage reported us as late on our mortgage. I called and was told there was " a mistake and some ... a few customers were mistakingly reported to the Credit Bureaus but they would issue a retraction ''. Mine was corrected, my wife 's however was not. Ive called several times on this matter and either their computers are down or something. I called this morning XXXX/XXXX/XXXX to try to get this taken care of. The customer service rep puts me on hold then comes back a few minutes later to tell me I will have to pull a copy of my wife 's credit report from one of the 3 bureaus and then fax or mail it in. I asked why I would have to do that now when I did n't have to do that before? She said she was n't sure but if I wanted it fixed thats what I would have to do. I said no I should n't have to spend my own money to fix a mistake your company made. And then I asked to speak to someone in that investigation department. She said she is that department. I asked why when I called the other day I was on hold to be transferred but their computers were down? ... she said that I called a different department, I said no it was customer service. So now customer service is the investigation department I guess. I should not have to go through this much trouble to fix a mistake on their part. I do believe they are discriminating against me as I filed a complaint on them before for their terrible customer service and mishandling of my mortgage and this is how they retaliate. I also just this past week opted out of a mortgage modification with them after they told me I would not be able to make my XXXX payment and would have to wait till XXXX to make my first payment. I said XXXX no I am not going to be late on my mortgage and go through all this again. The rep told me well thats how this works, you have to be behind if there is a hardship. I told them to cancel the modification I opt out. Today since my account was just unlocked to make my payment before the XXXX, I find another {$20.00} fee accessed to my payment. When I asked the above first mentioned rep she said it is a Property Preservation Fee that was made to the account on XXXX/XXXX/XXXX. I said no my mortgage has been current as of XXXX and I will dispute any other fees as you guys already charged me two {$20.00} fees ( FEMA Natural Disaster Billed Fee ) while under the forbearance. 

The former complaint I filed was closed after the mortgage company sent in a bunch of misinformation and out right lies regarding contacts, dates, etc, to which I never got the opportunity to rebuttal. I would hope this complaint is received with more merit and a little investigation into Carringtons handling of mortgages and credit reporting!
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, were transactions settled with insufficient funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies have NO permission to report anything using my info pursuant to 15USC 1681 4. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 169215 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 
XXXX XXXXXXXX XXXX XXXXXXXX is in violation. As stated in my previous complaint against this company who Ive never heard of or have Ive ever done business with is continuing to Harass me by attempting to collect on this alleged debt. As I requested before this company has ignored my requests to Cease and Desist all communication and collection efforts regarding this alleged debt.Instead they ignored all of the laws theyve broke and insisted that I reach out to them to discuss this matter in their previous response. There is nothing to discuss. XXXX XXXX XXXX XXXX has failed to provide me with any documentation that shows Ive provided consent to furnish this damaging information onto my consumer report. XXXX XXXX XXXX XXXX has sold this alleged debt to another company named UNIFIN who is now sending harassing letters to collect a debt that Ive previously requested to STOP! Attached is a letter I received from XXXXXXXX XXXX  XXXX XXXX XXXXXXXX instructing the CRAS to remove this account tradeline from my consumer report.
Product: Mortgage

My mortgage company incorrectly increased my monthly premium by almost {$400.00} as a result of having incorrect information about my insurance and being double-billed for taxes. This was identified in Spring of 2020 and I immediately notified NewRez. For the next 7 ( SEVEN ) months, I called New Rez to get them to assess my mortgage for errors. Call after call, I was transferred every month to a new representative, a new supervisor, or a new team lead. It took me calling my finance friend to get on the phone with New Rez and demand answers. He gave me this website to formally complain about New Rez and the runaround I have been getting. My mortgage amount is still almost {$400.00} over the correct price, with no resolution in sight.