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

I pulled my XXXX credit report XX/XX/XXXX and noticed 3 fraudulent/unauthorized inquiries 1 ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX. I pulled my Equifax report and noticed 3 fraudulent/unauthorized inquiries 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX  XX/XX/XXXX I pulled XXXX credit report and noticed 14 fraudulent/unauthorized inquiries 1 ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XX/XX/XXXX. XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting

On the Equifax.com website they present the end user with security questions in order to access the annual " free '' credit report. For example " Your credit file indicates you may have a bank card, opened in or around XXXX XXXX Who is the credit provider for this account? '' They then provide XXXX multiple choice answers XXXX of which is None of the Above. The problem is that none of the answers pertain to your credit file and even if you answer none of the above the website reports back that your answers do not match up with their database. The questions and answers are bogus and essentially designed to prevent users from gaining access to their reports on-line. In each attempt the user fails the security " test ''. The next window then asks the user to fax copies of personal documents ( e.g. driver license, XXXX, etc. ) to a particular phone number to verify identity. The intent is obviously to make it difficult for consumers to access their free report in the hope that consumers subscribe to their " member services '' for a monthly fee. This is fraudulent. My wife and I have both tried to log-in on several occasions and the questions change each time but are never relevant to our credit history. We know these fictional accounts do not exist. How many others have experienced the same? If you search " Equifax free credit report verification '' you will see that others have had similar problems. The other XXXX reporting agencies provide access without complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, Tek-Collect , Inc. ( on behalf of XXXX XXXX ) reported a negative collections account on my credit reports. I paid this balance in full months before in XX/XX/2018 before it was sent to the collection agency. I tried working with the XXXX XXXX several times on this matter - at one point they confirmed that the amount was paid in full and that they would contact the collections agency to confirm that the account should be closed. I even tried calling Tek-Collect, Inc. and left several messages but never received a response. Eleven months later, I am still dealing with this as it continues to show up in my credit history. I would like this removed entirely from my credit reports and want confirmation from XXXX XXXX and Tek-Collect, Inc. that this matter is settled in full.
Product: Credit reporting or other personal consumer reports

Dispute Department : TRANSUNION LEGAL DEPARTAMENT NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA.

If you claim that these accounts are verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account.

The law is very clear on the Civil Liability and the remedy available to me ( section 616 and 617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify these accounts, or delete these accounts from my credit report. 
Account Information : Creditor Name : XXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 4 TIMES TO ACCOMMODATE MY ACCOUNT Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete these negative accounts and provide me with an updated report within 30 days in accordance with the FCRA. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have the POA for a friend and have been monitoring her bank statements. Over the last year there has been an auto-payment every month to Citibank. We do not know what the payments are for since she receives no statements from Citibank only notifications of the next payment due. 

We tried to access the account online, but was told that the account was locked. We then called them to unlock the account. After repeated attempts during which we were told that there was a " ghost ID, '' we were unable to have them unlock the account for us. Instead they offered to read us the charges against the account, but the line went dead and we received no further information. 

We are afraid the card has been stolen and the charges are fraudulent, but Citibank does not care.
Product: Checking or savings account

I have a checking account with Chase, who has an Overdraft Policy available noting that they charge an overdraft fee of {$34.00} when an account is overdrawn by more than {$5.00} ( see attached ). On more than one occasion, I have overdrawn my account by less than {$5.00}, but was still charged a {$34.00} overdraft fee. Recently, my account was overdrawn by {$4.00} but was still charged an overdraft fee. I used Chase 's messaging feature to ask that the charge be reversed and they responded that they charge based on whether the account is overdrawn by less than {$5.00} at the end of the business day ( attached ). 

However, at the end of the day on XX/XX/2020, by account balance was - {$4.00} ( under the - {$5.00} threshold ). Only the next day did charges appear that were suddenly listed as having been charged the previous day when it was not when I checked that evening. 

I am concerned, as I have expressed to Chase before, that my transactions are being re-ordered to incur more fees which is extremely unethical and takes advantage of low balance customers. 

I would also like to note that {$34.00} is an EXTREMELY high amount to charge for an overdraft even in the best of times. To charge such an exorbitant amount per overdraft up to {$100.00} PER DAY seems to prey on low balance ( and perhaps low income ) customers. As a very large Bank that caters to the individual consumer market, these fees could use some looking into by the appropriate governing body. Personally, by my quick count, I have been charged {$780.00} worth of overdraft fees since the beginning of the year, and that is even after some were reversed at my request ( which I do appreciate! ). Especially considering the global pandemic, it is a shame that these large consumer banks show no concern for throwing fees at the low balance customers that can least afford it.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting account is open ... The account was closed on XX/XX/2017 ... They are re-aging account and reporting inaccurate and invalid information ...
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER CAREFULLY REVISING MY CREDIT REPORT, I CAME ACROSS SOME ACCOUNTS THAT HAVE BEEN REPORTING ON MY CREDIT THAT I HAD ABSOLUTELY NO KNOWLEDGE OF. THE ACCOUNTS DOES NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME. I AM ASKING THAT AN INVESTIGATION TAKE PLACE ON THE ACCOUNTS SO THAT MY CREDIT FILE CAN GO BACK TO IT'S NORMAL SENSE AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

Whenever I try to open a bank account online, the financial institution says I could not be verified. The banks/credit unions say they use Lexis-Nexis. I am a XXXX XXXX, have. valid SSN and drivers license etc... So I do not know why or how Lexis refuses to verify my identity to banks. They ha din on all my credit card and back accounts and past addresses.
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 has violated my rights.

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

15 U.S.C 1681 section 604 A. 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX XXXX  I received my money from social security into my account from NetSpend a place to order but XXXX worth {$1100.00}, the order was supposed to be delivered from XXXX to XXXXXXXX XXXX on the XX/XX/XXXX I never received my order didn't text me and told me it was a 2-hour delay then on XX/XX/XXXX at XXXXXXXX XXXX  I contacted XXXX they said we had came to an agreement to cancel the order on XX/XX/XXXX I been waiting ever since the line XXXX to today XX/XX/XXXX waiting for my money to be reimbursed back into my account because of them not releasing my money back into my account because they failed to do the code which XXXX has given me to get them I sent them an email from XXXX stating that the order has been canceled and they have refund me my money NetSpend has not yet given me back my money that money was to feed my children I am the payee they took money from my kids because of this I have to go to five different food banks in order to get food for my children they still been giving me the runaround they told me after 15 days the money will be back in my account and on XX/XX/XXXX it has not been put back in my account then they told me I have to wait till after 15 days and the days the XXXX and I still have not gotten my money in my acc I've been arguing with them all the last couple weeks I've been talking to them call me I've been patient with them and they have not yet but my money back into my account I'm struggling to feed my kids because of their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} 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: Debt collection

CBCS XXXX. XXXX XXXX XXXX Ohio XXXX Calling me and sending me mail about a debt that is not mine. They called even before I could respond to the letter they sent that said I had 30 days to dispute the debt. CBCS are not very professional at all. The letter was dated XXXX XXXX 2016 and the phone calls began immediately after that. Today is XXXX XXXX 2016
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding identity theft that has impacted my credit report with XXXX. Despite my efforts to resolve this issue directly with XXXX, the fraudulent information remains on my report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, XXXX is required to block the reporting of any information that the consumer identifies as resulting from identity theft within four business days of receiving proof of identity, a police report, and an identity theft affidavit. I have provided all necessary doc umentation, and I demand that XXXX immediately remove all fraudulent accounts and inquiries associated with the identity theft from my credit report.

15 U.S.C. 1681c-2, Fair Credit Reporting Act ( FCRA ) - " Block of information resulting from identity theft. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been locked out of my personal accounts
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXXXXXX Balance Owed : {$310.00} ; XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX XXXX Owed : {$7100.00}.
Product: Credit reporting or other personal consumer reports

I am writing to request a notarized statement on your letterhead confirming compliance with the Fair Credit Billing Act ( FCBA ) regarding my account during the period of my association with your company.

As you are aware, the FCBA mandates accurate billing, timely provision of statements to the correct address, acknowledgment of address change requests, appropriate handling of disputed charges, and the prompt and lawful provision of requested account information.

In accordance with these requirements, I kindly request that you provide a notarized statement affirming your company 's compliance with the FCBA in general and specifically regarding my account
Product: Debt collection

On XXXX/XXXX/2016, a representative from Zenco ( caller ID showed XXXX ) called me saying that I was being sued for fraud by their client, XXXX. They told me they have me on surveillance using this credit card, and that by not repaying the debt and not returning the merchandise, I had stolen the merchandise. They told me that I would need to hire an attorney if I wanted any information about their company. They gave me their phone number and company name, but would not spell the name of their company or give me the name of the actual person I was speaking with. I asked many questions including when the purchases were made on the credit card, how much the purchases were, if this debt was within the statute of limitations to be sued, etc. I also told them that this debt was not on my credit report and that I did not believe I owed this debt. They told me I was narrow minded and accused me of getting " all these credit cards and making all these purchases and then not repaying the debt ''. They even told me that they had filed the paperwork with the IRS to take my tax refund. They ended up hanging up on me.
Product: Credit reporting or other personal consumer reports

District Court for Northern District of Georgia XXXX XXXX XXXX XXXX. Customer Data Security Breach Litigation ; Case XXXX Unauthorized Hard 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 XXXXXX/XX/XXXX I am writing to file a complaint regarding unauthorized credit inquiries that appear on my credit report for : I did not authorize these inquiries, nor have I provided consent for any credit applications or related actions that would warrant such activity. These unauthorized inquiries are negatively impacting my financial standing. I have contacted each Furnisher to address this matter, however, I have not received any resolution. I requested wet signature applications and proof of authorization. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these unauthorized inquiries and take actions, to make sure theyre removed, and to prevent further unauthorized activity.
Product: Credit card or prepaid card

We used a Home Depot card to buy materials needed to fix up a house. 1st of XX/XX/2019 sent them a check for XXXX. It posted XX/XX/XXXX. Check our balance and we over paid the bill by XXXX. Called XX/XX/XXXX about over payment. Was told to call back next week. On the credit card web site sent a message to the credit card company to return the overage asap. Called XX/XX/XXXX was told it would be sent on XX/XX/XXXX.

Called XX/XX/XXXX and again asked for the overage to be returned. The person on the phone said I file a dispute and they can not return the overage. I told them I did file a dispute and the only thing I have asked for is for the overage to be returned to me asap. 
I asked for a supervisor and the supervisor said it would be mailed in 4 days. On XX/XX/2019 I  checked the account balance and they still have not sent the money.
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 unverified 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 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.
Product: Credit card or prepaid card

I upgraded my AMEX XXXX  XXXX XXXX card to XXXX  XXXX  XXXX card in XX/XX/2022, with a promotion 'spend {$1000.00} in 3 month and get {$150.00} credit '. I met the spending requirement early in XX/XX/2022, and the credit is still not posted now ( XX/XX/XXXX ). 

I chatted with the customer service multiple times since XXXX. Each time they could confirm that I have met the requirement and they can see I have earned the bonus. At first they said the credit will be posted in XXXX, then told me to wait 8~12 weeks. Now is way more than 12 weeks. Later in XXXX they claimed that I didn't met the spending, even though they confirmed that I have met the requirement several times. And I can confirm that I met the spending requirement. I attached my transections since XXXX 2022, and you can clearly calculate that my spending minus returns and other credits is {$1000.00}. Note that the credit on XX/XX/XXXX is balance transferred from my other amex account. It is not a return or other credits.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet
Product: Mortgage

I XXXX XXXX XXXX got hurt on my job back in 2014 and fell behind on my payments after my workers comp pay stop so I end up falling behind on my house payments and I ask my mortgage company about a loan modification and i was giving the run around about the help until a few days before closing date and I was told that there fax machine had been acting up so I was giving about 5 different fax numbers but none of them work and I was also told that I didn't complete my papers correctly nor send them in on time I was being help by a lady name XXXX XXXX in loss mitigation and ms XXXX. compony name is Alabama housing finance authority this company failed to comply with hud act loss-mitigation procedures with myself. They took my house and resold it so fast because of the value of it
Product: Debt collection

I had never done business with XXXX XXXX XXXX. This is an account as a result of identity theft, therefore needs to be removed. Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Is reporting negative information on all of my credit bureau reports. This account was paid to the original creditor by my insurance company and should never have been placed on collection and never be reported on my credit files. When I contacted XXXX XXXX they promised me that the accounts would be removed and nothing negative should be reporting on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hoping that someone from your office can help me with something. I have several collections on my credit bureau 's, but their not 7 years or older. I have paid them all off and they have zero balances. My wife an I are trying to buy a home, but some of the companies refuse to delete the negative history ; or delete the trade line. Each of these companies tells me that it is in the Fair Credit Reporting Act that they " must '' keep it on my report for the 7 years. The aggravating thing is that they also said that if I would have sent them a letter saying that I'm willing to pay it off " if '' they will delete it ; then they would take it off my report. But now that I've paid it, they claim they will not delete. Isn't that a double standard? I have been wrestling with them for 60 days now and I'm exhausted. I am a good man who has worked hard to " right '' my ship and be responsible. All I'm trying to do is buy my wife and children a home. I have already disputed the collections, but I'm running out of time with the offer my wife and I made for the home. All of my numbers are good ; i.e. debt to income, cash flow, my employment, and the price of the home is well below what it will appraise for. But I can't seem to do anything to get my credit score high enough to get approved. Please help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX, PROSPER MARKETPLACE IN, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX  and XXXX XXXX XXXX  XXXX, PROSPER MARKETPLACE IN, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I need negative inquiries removed so I can build my credit