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

I am trying to refinance my home since the rates are so low, however, my credit score has disappeared from XXXX  and Equifax. According to XXXX, it is at XXXX but the other two have shown it as frozen or non-existent. I paid XXXX  have the scores revealed there, but they are at 0. The only thing we can think of is that when we let the bank know that my mom passed away on XX/XX/2020, something must have also happened to my credit score by XXXX, as that was when I was unable to get my FICO score in my mortgage app. She helped me create a bank account and establish a credit score when I was 18 under her own account. I've tried everything from creating accounts on the credit bureau websites, unfreezing my score, calling customer service, visiting my bank, etc. but nothing has helped me to find what happened to my score. I am still paying my mortgage, I've always paid my credit cards in full and have no delinquent payments. PLEASE help me find out what happened to my score and how I can get it back. Thank you.
Product: Credit reporting or other personal consumer reports

BECU ( Boeing Employees Credit Union ) has charged off my accounts yet they are still listed as active. XXXX XXXX XXXX loans are still on my credit report. Since these have been charged off, and XXXX of the autos repossessed, one totaled and insurance paid out, these should be listed as closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My friend tried to send me money through Zelle, and the payment was not sent to my account, however it was deducted from their account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. INQUIRIES : XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX  XXXX | XX/XX/XXXX.
Product: Credit card

Prior to XXXX XXXX, 2015 US Bancorp placed an inquiry on my credit report without my permission and with no apparent permissibly purpose. As a result of this inquiry, US Bank mailed me a pre-approved firm offer of credit. I accepted the US Bank offer on XXXX XXXX and on that date US Bank placed further inquiries on the same credit report used to solicit me with their credit offer. Shortly after XXXX XXXX US Bank verbally informed me they declined my application and refused to state why. They have to this date never followed up with any written reason why they refuse to honor the firm offer of credit originally extended as a direct result of obtaining my credit report without my authorization or permissible purpose. 

It 's clear US Bank violates the FCRA by obtaining without permissible purpose consumer credit reports under the pretext of making a firm offer of credit yet their offer is neither firm or of value. It 's also clear that US Bank refuses to follow the FCRA in that they fail to provide written rational behind failing to consummate their offers and / or declining credit.
Product: Credit card or prepaid card

Navy federal closed my account due to security reasons. Its me, I dont know what else to tell them. I have a credit card thru them with a {$7000.00} credit limit and they just XXXX the account down. Im not received any valid reason and they are being difficult. So in order for me to make payments I have to get my mom to go to the bank every month or I have to leave school in XXXX, Im in XXXX and drive to XXXX to make payments because I can no longer just login to make payments. Not only did they prohibit me from accessing cash I had in the account, closing the account also ranked my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not freeze/hold credit with Equifax online or over the phone. My husband and I had no problem holding credit with XXXX and XXXX online yesterday XX/XX/2018 using their websites. 
My husband was able to have credit held with Equifax over the phone but their website did not work yesterday or today XX/XX/2018.
Product: Payday loan, title loan, or personal loan

I was a regular customer at California Check Cashing when they offered me a Line of Credit through LEVLPAY, product of XXXX XXXX. The staff were asked various times to explain the process and they purposefully mislead me over and over with doublespeak. For a line of credit for {$500.00}, I was assured I would be paying a {$50.00} fee. What California Check Cashing DID NOT disclose is that they would need to print a check in order for me to receive the proceeds from the loan. After I agreed to get it because I was needed immediate cash, THEN they told me it was an Out of State Check that they would have to charge me {$25.00} to cash, SCAMMING me out of additional funds they had not disclosed while marketing this product to me. I press they have done this to other poor people and surely this is PREDATORY. I just had my account debited for a portion of my outstanding loan XXXX couldnt pay because of their deception. I want both XXXX and California Check Cashing held accountable for working together to defraud people who are already struggling financially. It is wrong and they need to be stopped. Why would two California companies issue a check from a bank in another state and not disclose until after your check is printed? THEY ARE BOTH PREDATORS.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CRA : Transunion Address : XXXX XXXX XXXX XXXX, PA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of TransUnion, as listed on my most recently reviewed consumer report, several fraud/unauthorized are listed. As a reference, please see the below inquiries : XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX  : Inquired on XX/XX/XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX : Inquired on XX/XX/XXXX I am hereby notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have yet to give TransUnion this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately, my consumer and privacy rights are being violated.

Unless you can produce any proof or evidence supporting your claim or show that you were right in your decision to furnish this information please remove the inquiries mentioned above within 15 days of receiving this letter. You must report information accurately ; you are not doing that now. I look forward to TransUnion resolving this matter with this initial communication. Should you choose to be willfully neglectful regarding my file, I will file a dispute against you in small claims court seeking remedy for said violations. 

Warm Regards, XXXX, XXXX XXXX Without prejudice, all-natural inalienable rights are reserved.
Product: Credit reporting or other personal consumer reports

Pursuant to the provisions set forth in the Fair Credit Reporting Act, I bring to your attention the list of accounts presented below. It has come to my knowledge that these accounts have encroached upon my federally safeguarded consumer rights to privacy and confidentiality, as stated in 15 USC 1681. I have made it explicitly clear to Experian, XXXX, and XXXX that a thorough reinvestigation into these accounts is imperative. Account name : XXXX ACCT # XXXX Account name : XXXX ACCT # XXXX. When your credit report shows a late payment of 60 days for more than two months without a 30-day late payment being reported first, it may indicate a potential error in reporting or an oversight. Credit reporting agencies generally expect a 30-day late payment to be reported before a 60-day late payment.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a third party credit agency opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. Account opened at LVNV Funding LLC on XX/XX/XXXX the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called for my Home Depot Store credit card for adding my spouse as authorized user. I also asked them to increase my credit limit from {$500.00} to {$1500.00}. Why this credit limit is showing up on my spouse 's credit profile or SSN? 
Called Home depot today morning. When wanted to talk to the supervisor, the call was deliberately dropped.
Product: Credit card

Credit card balance and Utilization percentage is reported at a delay on my report. 
I am currently paid in full on my credit card balance and my report should reflect that. 
My credit utilization is also being inaccurately reported on my report. 
This has cause my credit score to drop.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Received a letter in the mail from Sequium on XX/XX/22 requesting that I call to settle a debt. There was no validation of debt advising that the debt belonged to me and no notice to dispute validity of debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several fraudulent accounts and inquiries that have been reported on my credit report. These accounts and inquiries are not mine, and I request that they be investigated and removed from my credit file. Below is a detailed list of the fraudulent accounts and inquiries : Fraudulent Accounts : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX, XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX - Account Number : XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I noticed several accounts on my Equifax profile that should not be on there. It has been over 30 days since they received my dispute letter. I have attached a copy of the tracking number ( mailed certified via USPS ) thats directly from the USPS website as proof that Equifax received the dispute letter and when they received it. I also attached a copy of the dispute letter that I mailed. I am demanding that ALL of the unverified accounts be removed IMMEDIATELY. It has been over a month, I have not received a response from Equifax, and they have not verified the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX, Transunion and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to the 15 USC 1681 Section 602 A. States I have the right to privacy. 

These addresses do not belong on my report : 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 XXXXXXXX XXXX XXXX Incorrect variations of names do not belong on my report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX Incorrect employers do not belong on my report : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am writing in regards to inquiries on my credit report that I did not authorize.
Product: Mortgage

We asked for a loan modification in XX/XX/XXXX, and were denied by Shellpoint. They sent us a Comparative Market Analysis showing a value of XXXX. This is inaccurate as we are in Bankruptcy and the Court accepted an actual Real Estate Appraisal showing a value of XXXX as of XXXX, due to mold and other issues. Shellpoint also increased our payment ( we had a previous loan mod ) without informing us. Additionally, Shellpoint shows a deficit of XXXX, which theyve never explained nor provided breakdown of, though weve asked on numerous occasions. My wife and I are retired and live on a fixed income. Also, I was diagnosed with a life threatening illness this XXXX. We cant remodel our home and the reason the value is what it is ( XXXX ) is because of a major flood in XXXX, and subsequent floods that were never addressed nor repaired. The unit has not been renovated unlike many if not most of the complex we live in. Weve made payments of XXXX as we were supposed to and not told otherwise by Shellpoint. XXXX has almost XXXX complaints against Shellpoint and those are just the published ones
Product: Credit card or prepaid card

1 ) Synchrony Bank charges customer {$100.00} in late fees and interest for a {$25.00} purchase made 4 months prior at Banana Republic. 

2 ) Customer promptly pays the total balance of {$130.00} on XX/XX/2019 upon receiving the first notification from Synchrony Bank in the mail. 

3 ) Synchrony Bank reports late payment hit to customer 's Credit Score on top charging customer in 1200 % on an annualized basis in fees.

4 ) During the 4 months, customer had not been receiving communication from Synchrony Bank about the {$25.00} balance.

5 ) Synchrony Bank made no attempt to call or mail the customer, only sending emails that were not reaching the customer.

6 ) The customer had always maintained a history of early payment since opening the Synchrony Bank account. 

6 ) Customer had over a 15 year history as a customer of Banana Republic without issue.
Product: Checking or savings account

I was charged over XXXX dollars in fees that I was told I would not have and I called them every day and complained and they did nothing about it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to dispute some errors I have found on my credit report. I have reviewed my report in detail and have identified several inaccuracies that I would like to clarify. 

First my current address on the report lists an old address that I no longer use. 

I have also noticed that there are certain errors, considerably affecting my credit report in a negative way. This account is already closed, but I am reporting late payments, which there is an inaccuracy of the dates, so I kindly ask that it be deleted from my history. 

This report only reflects me in XXXX and does not report me in any other account, so there is another error since there is an inaccuracy. 

This account was closed and paid in full, and at this time I am reporting negatively, the account appears as in collection or declared lost and the account has already been paid in full, there are no pending payments. 

For this reason, I kindly ask that this account be removed from my history which is found paid and closed. And it's only affecting me. 

I attach to this letter copies of documents supporting my claim that show that the data on my credit report is inaccurate. 

I ask that you conduct a full review of my credit report and take the necessary steps to correct the errors identified. I appreciate your attention and I look forward to your response as soon as possible. 

Kind regards
Product: Debt collection

I am submitting a complaint in reference to this company, Columbia Debt Recovery dba Genesis Credit Management LLC located at XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX, knowingly reporting inaccurate data. XXXX XXXX credit profile is affected by these penalties this looks suspicious and deceptive. I demand proof to see valid authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights per U.S. Code 1692g. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with federal regulations by the FTC U.S C41, et esq. 

I am maintaining a careful record on my communication with your company. I expect you to comply. 
Respectfully XXXX XXXX
Product: Credit card

Dear, I had a unauthorised transaction from XXXX ( XXXX ) on XX/XX/XXXX for {$8500.00}, I called Bank of America and disputed it and I had to replaced my credit card and on XX/XX/XXXX, I had contract and expired on XX/XX/XXXX and was not renewed with XXXX and filed complaint with FCC and CFPB I received another transaction from XXXX for {$110000.00} again I reported it as fraud the last time we made payment with XXXX was on XX/XX/XXXX XXXX stating the payment caused due the merger with XXXX it was a processing error and we will take care of it, I provided Bank of America the name and contract umber of executive office of XXXX including emails but it I did file complaint against XXXX and XXXX with FCC and CFPB including small claim for new transaction ( {$1100.00} ), I only used the new credit card fee transaction why Bank of America paid XXXX again and again does Bank of America suppose to do due diligence and why keep paying unauthorised transaction since we do not have any realionship with XXXX ( XXXX ) that caused me financial injuries.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I noticed an inquiry on my credit report that I didnt authorize, and it doesn't seem to have a valid reason or permissible purpose behind it.
Product: Credit reporting or other personal consumer reports

I have requested Experian for XXXX XXXX XXXX XXXXXXXX account to be deleted as it is a charge off on their part. They also have not provided a 1099C and they keep reporting to it in my Credit as a charge off that is Fraud against the IRS. I am requesting it to be deleted completely of report immediately. Since they have the ability to report on my credit report, I have the right and ability to report them to the IRS as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against TransUnion Consumer Solutions located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TransUnion Consumer Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Mortgage

I received a letter from XXXX telling me that the payments should be sent to them starting XX/XX/XXXX and that my new servicer XXXX XXXX starts XX/XX/XXXX - I sent the payment to XXXX on XX/XX/XXXX. I got the payment back from XXXX telling me that I should have sent it to XXXX. I then sent it to XXXX and they sent it back saying they don't know the servicer and changed the name from Flagstar bank to XXXX and that the account is unknown. I didn't send the payment for XXXX until they tell me where I'm supposed to be sending it.
Product: Credit reporting or other personal consumer reports

My credit report information have been disclosed without my written permission and without permissible cause. I will be moving forward with a law suit in the New York XXXX XXXX XXXX.