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

XXXX violated investigation by law have not responded within 30 Days nor gave proof of verification.
Product: Debt collection

My name is XXXX XXXX, I received a car from XXXX in XX/XX/2020. I later received calls and texts from Bridgecrest regarding an alleged debt. I never consented to Bridgecrest having my personal information. I mailed them a debt validation letter on XX/XX/2020 and did not receive a response. I mailed them an affidavit of truth on XX/XX/2020 which also did not get a response. Both documents were sent certified and signed for. I recently sent another debt validation because I noticed that this account was on my consumer report listed as charged off, which has negatively affected my reputation as a consumer. I still have not received a response from Bridgecrest. How can they charge off an account that they have not validated? This account has stopped me from getting many opportunities over the past few months. I feel that they need to have some type of repercussions for their actions from the CFPB.
Product: Credit card or prepaid card

This last year, XXXX XXXX, I took a trip to XXXX with my friends. On XXXX XXXX, XXXX we went to a small textile shop where they sold shirts, rugs, linens and such. I bought myself a couple of silk shirts for {$110.00} using a Wells Fargo Credit Card. The store ran the card and had me sign the receipt. When I returned home, I noticed on my statement that there was an additional transaction for {$2600.00} which I had not made. I contacted the fraud department at Wells Fargo bank and was eventually told that they denied my claim for fraud. They had reviewed the transactions and the receipts and claimed that I had made the transaction since my signature was on both receipts. I requested copies of the receipts and clearly I did not sign the receipt for {$2600.00}. The signature was not mine. I tried explaining this to the bank but they still denied my claim. I am amazed that the bank, which has my signature on file and on various documents, could n't come to the same conclusion regarding the nature of the fraudulent signature. I made various attempts to which the bank refused to help me. I have sent letters to the bank signed by the friends that were with me testifying that no such transaction was made by myself. I myself testify under perjury that I made no such transaction.
Product: Mortgage

Starting XX/XX/2023 my forbearance stopped. Due to allegedly exhausting the timeframe given. I was mistreated by both entities. Shellpoint mortgage company practice unethical practices. Which they pretended to work with me. Misplacing my paperwork for a loan modification to bring the mortgage Current. Both XXXX XXXX and Shellpoint didnt not treat me right or evaluate my financial situation due to Covid-19. My financial situation is both Mother and grandmother dead within the last 12 months. I had to pay for probate, and proper burial expenses for both. After inheriting the property from my mother. Shellpoint mortgage has made this situation so difficult and stressful. Im considering moving forward to pursuing legal counseling. The XXXX XXXX denied me because at the time my mother was deceased during the application process. At the time misinformation lead me to fill out the application for HAF funding to prevent for closure. I was mistreated by both entities. Shellpoint mortgage company practice unethical practices. Which they pretended to work with me. Misplacing my paperwork for a loan modification to bring the mortgage Current. Both organizations failed to meet their target, mission by default. Giving me the runaround pretending to work together to help pay the mortgage.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found billing errors, including late payments that dont match my payment history. Please correct these and update my account.
Product: Credit reporting

Transunion needs to unlock my account. I have been trying to access my report on transunion.com and annualcreditreport.com and not successful at all. I have been a victim of identity theft and they refuse to assist me in my requests. They are doing a poor job of customer assistance and helping me with these situations.
Product: Credit card

Macy's/DSNB is reporting the DOFD incorrectly, and has XXXX Charge Off dates on my XXXX and XXXX credit reports XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am deeply disappointed by the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment is my entitlement, thus I kindly request a detailed account of their failures in upholding accuracy and compliance. The credit report I received is surprisingly inaccurate, given the expected adherence to the FCRA and applicable Metro 2 data field formatting standards. I challenge you to provide a verified, complete, and truthful document as evidence for each claim, as any deviation from these standards jeopardizes data integrity. My credit report is crucial to my financial well-being, and I urge the immediate removal of any false accounts for factual accuracy, verification, and compliance. 

Listed below are the Inquiries that are being challenged : XXXX XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I noticed a credit inquiry on my credit report by XXXX XXXX XXXX  on XX/XX/2020. I wrote to the company telling them that I had not authorized any inquiries with their company and that they should please validate this inquiry by sending me the completed credit application with my signature on it. If they were not able to validate this inquiry, as per Fair Trading Reporting Act, they should remove it. They then informed me that that they received what they considered to be a credit application. So far they have not sent me this credit application and they have not removed the inquiry form my report. Instead they are asking me to validate the inquiry by sending them a copy of my credit report, even though the letter that I sent them already had my credit report included in it along with my date of birth and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of 2 hard inquiries on my credit report both dated XXXX XXXX that were not known about or authorized. Syncb/amazon and syncb/XXXX. I called the bank for both and they said they couldnt pull up anything on their end with my information.
Product: Credit reporting or other personal consumer reports

Please remove 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 


Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " XXXX  '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My family and I got approved for EHAP ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XX/XX/XXXX. 
The company paid for our rent for a year starting at that date. 
We owed back rent starting in XXXX of XXXX, they paid that amount forward. 
Our lease ended in XXXX of XXXX. 
We were told by XXXX XXXX we could renew our lease in XXXX of that year and theyd keep paying. They started sending checks for our new lease XXXX of XXXX. 
Our documents say that EHAP paid up until XXXX of XXXX. A case worker that we were working with claims EHAP only paid up until XXXX of XXXX. 
On XX/XX/XXXX there was an accident involving a car belonging to my family member. Around noon, our car was moved unlawfully, and nasty statements were made from staff. An event report was filed. 
My family member reached out to the management company of XXXX XXXX about them towing our car, and how they had been treating us. XXXX XXXX is who manages XXXX, we spoke to a XXXX XXXX. She did not take any responsibility for her staff. 
On XX/XX/XXXX, we received a Advance of Lease Termination and told us we could not renew our lease with the complex. 
They then took us to eviction court on XXXX XXXX and my family and I won the case. 
We were told to vacate by XXXX XXXX per them not wanting us to renew our lease. 
On XX/XX/XXXX we turned in our keys in the office and the manager then said she was going to put this balance on our credit, mocking us. 
In XX/XX/XXXX of XXXX, we went back to the apartment to try and resolve the issue as we feel we do not owe the apartment any money. 
Before going inside of the office we spoke to our caseworker who stated EHAP paid our balance off completely. Now sitting in front of management for XXXX we called the caseworker and she then changed her story stating I thought you guys were another couple. We did not pay your rent for the months asked about. We have a voice memo of the conversation had. 
The XXXX manager stated the complex did not pick up our checks, they werent willing to work with us anymore at that point. 
We also got in contact with PRO COLLECT in XXXX and they could not provide us with a ledger for what was being charged. The XXXX XXXX complex could not either. 
We are hoping to have this case resolved as soon as possible. 
I do not recommended the XXXX XXXX Apartment complex to anyone as they are very unorganized and poorly ran.
Product: Credit reporting or other personal consumer reports

Dear Equifax : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. Did not consent to unauthorized inquiry. 
2. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. Did not consent to unauthorized inquiry. 
3. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. Did not consent to unauthorized inquiry. 
4. Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Former : XXXXXXXX XXXX XXXXXXXX 7. The following personal information is incorrect Former : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Last week I noticed that For the last 9 months I have been getting a fees for XXXX dollars every month. I have had a scheduled {$100.00} payment set for the XXXX of the month for that whole time. I called Bank of America and told them I felt like these fees were frivolous as the account was set for automatic payments and they said because the month closes on the XXXX a payment on the XXXX is late. But I set up the automatic payments on their website specifically so I wouldnt have to worry about late payments. I had not received any alerts saying I have been hit with a fee. I called today and they will only refund 2 of the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft 09 XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

Timeline : XXXX Received a missed call today XX/XX/XXXX at XXXX from XXXX XXXXXXXX stating that Chase bank is calling from fraud prevention regarding my Amazon Prime Credit Card application, that I just applied for yesterday XXXX  XX/XX/XXXX. 
XXXX I called back using the reference number they game, as I am in anticipation to receive benefits from this card. 
XXXX  I provided them some personal information such as SSN and cell phone but hung up when other personal information as asked.
Product: Credit card

I knew that my XXXX interest rate was going to go up as my XXXX  % XXXX expired. It was a really big increase so I needed to change my payment due date so that I wouldn't be overdrawn. I had tremendous difficulty implementing this change. Nowhere on Bank of America 's website does it say how to do this simple task. I even went to the bank itself and made an appointment. No one at the bank knew how to do it. He called the credit card number and no one answered the phone for XXXX minutes and this was Bank of America calling Bank of America. I finally had to leave. The recording only says to go online to solve any problem except they have no way to get this done online. I called XXXX more time out of desperation today and by some miracle got a human being on the line. She said the payment date could be changed but would have to wait until XXXX. Why does Bank of America treat people so badly? They are very efficient at implementing changes that benefit them but terribly slow at implementing changes that benefit their customers. I am making this complaint as I think their telephone hold times are absolutely unacceptable and I think they should be able to make a change like this a XXXX minute operation online. I hope complaints like this will change their way of operating.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. EQUIFAX MORTGAGE SER Inquired on XX/XX/XXXX XXXX. EQUIFAX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used credit card checks that were in my name for a credit card I paid off and closed XX/XX/XXXX by signing my name and cashing checks according to credit card company. I explained to card card company this was fraudulent & that I didnt signed or authorized anyone to use checks. Once I became aware I reported to the credit card company and my local police in XX/XX/XXXX Nonetheless, credit card company continue to pursue to collect and finally took me to Court in XX/XX/XXXX and case was dismissed by Judge in XX/XX/XXXX Credit card Company will not report the correct updated information. Company continue to report to Credit Bureau account as charge off account since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX- Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX TransUnion : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account # XXXX
Product: Money transfer, virtual currency, or money service

I was transferring an amount to my friends number via Zelle it turns out he lost this number. After sending the amount which was {$50.00} it sent to a different name. I was told transaction is final and cant be reversed tried to call the person that has that number and he said no its not possible.
Product: Credit reporting or other personal consumer reports

I reached out to TransUnion a third party reporting agency about my credit score dropping XXXX points for no reason there where no inquiries, no new charge-offs or collections information that appeared upon my consumer report acourse the rep was nonchalant about about my issue and did not want to look into it but rathered I request my consumer report from them and then call back and this is after I told them that I was looking at my consumer report and have subscription with other third-party reporting agencies for my credit they all say and show no new information thats derogatory but does show my increase I received from one of my CC from XXXX XXXX XXXX XXXX XXXX My score was a XXXX and dropped XXXX points and Transunion nor the other third- party reporting agencies can show reason
Product: Credit card

Ordered items online, and after trusting the seller and purchasing the products based on the information provided, I received the items in increments from seller and after reviewing the items I noticed the items purchased was not the same as what I was received and turned out the items are very cheap quality replicas. I provided all supporting documents in regards to the dispute through my Capital One credit card however after a lack of communication on their end and multiple followers for me, they turned out to say that the time has elapsed and theres nothing else they can do.