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

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XX/XX/year>XXXX
Product: Mortgage

I feel that was treated, targeted, and discriminated against on an unfair basis. Started my loan process several months back with Bank of America, The credits reports were pulled with outstanding scores of XXXX on all 3 credit report companies. From the beginning indicated that I was a retired Us Veteran and that I travel overseas and visit family. That I am also a citizen of the United States and have residency for so many years. At the time of application, I was living and residing in XXXX   XXXX. and that I needed to go back overseas to take care of personal matters. That I will return back to XXXX XXXX to close the mortgage process. But due to Coronavirus and travel restrictions due to the virus. That I will leave and Power of attorney to my sister in law to close on the mortgage application just in case I had difficulty traveling. 
After several months the application was denied for the reason listed below. 

Re : Application # : XXXX Loan Program : FIXED RATE FIRST-LIEN HOME LOAN Case # : Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Description of Account, Transaction, or Requested Credit : MORTGAGE APPLICATION NOTICE OF ACTION TAKEN We're sorry - we can't approve your request for a home loan right now. 
We carefully reviewed your application and credit report ( s ) provided by the credit reporting agency ( ies ) listed below and unfortunately, we weren't able to approve your request because : Unverifiable Information : Unable to verify residency
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue has not been fixed after repeated letters and calls
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 XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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: Mortgage

On XX/XX/2019, Ditech sent me a notice that they had a computer problem and that my payment for XXXX was returned to XXXX XXXX XXXX and to please resubmit the payment. I did so immediately. However they lost the payment and kept saying I was behind and overdue with my monthly payments. I have receive several calls and letters stating such. I called Ditech and explained to them the situation and shared the fact that I have never been late on any payments and was up to date. At their request I had XXXX XXXX XXXX XXXX Ditech proof of payments and XXXX XXXX XXXX manager spoke to them in detail that it was their fault. Finally they got it and said I was correct and that it would be taken care of. It is now the end of XXXX and Ditech still has not corrected the problem and continues to send letters stating that I owe them payments. I have talked to eight different representatives of Ditech and all they do is keep putting off the problem. They are now stating that XXXX XXXX XXXX will be servicing my mortgage beginning XX/XX/XXXX. I have proof of payments and XXXX XXXX XXXX has talked to Ditech several times but nothing is being accomplished or resolved.
Product: Credit card or prepaid card

I have a loan with BANK OF AMERICA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and BANK OF AMERICA with no successful resolution. XXXX  is only reporting me late. There was definitely an error on their part. I was never 60 days late last XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

In XX/XX/XXXX, I visited XXXX Hospital in XXXX, WA. Following the visit, I was billed directly by XXXX and handled payments accordingly. 

In XX/XX/XXXX, I was notified that Renton Collections had entered derogatory information on my credit report for an unpaid account referred to it by XXXX XXXX XXXX ( XXXX ), which I had never heard of. After some research I learned that patients discharged from XXXX Hospital are billed by XXXX as well as a separate company representing some of its doctors. 

I have never received any bill from XXXX nor any notice or correspondence of any kind from Renton Collections. I had no chance whatsoever to pay this account before it went delinquent because I didnt know it existed. 

Following my hospital visit I moved out of state at which point I promptly updated my billing address with XXXX, which began mailing its bills to the new address accordingly. Even at that point before moving I never received any other medical bill ( other than for an ambulance ) at all. 

Apparently XXXX and Renton Collections both have a history of doing this, giving patients no notice before referring debts. After this went onto my credit report in XX/XX/XXXX, I called XXXX to request this account be recalled from Renton Collections because I had received no notice. As of XX/XX/XXXX, the account remains on my credit report ( and still I have received no correspondence from either company ). I followed up with both companies ; XXXX indicated it would refuse to recall the account, and Renton Collections declined to remove the account from my credit report even if it were paid in full.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit 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 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: Checking or savings account

On XX/XX/XXXX XXXX try to deposit some cash to my venmo account on XXXX XXXX ATM, and I didn't know that u can't deposit cash to venmo and I got a receipt that said that was deposit to checking but nothing went to my venmo account so now, XXXX XXXX or venmo doesn't want to refund my money so don't know we're my money is...
Product: Debt collection

I contacted XXXX XXXX XXXX and told them I was a victim of identity theft and I did not open a account with XXXX I was rerouted to XXXX and XXXX told me I dont have any accounts with them and my account balance is {$0.00} I contacted XXXX XXXX XXXX again and reported this information and was told they bought my account from XXXX I have no open account with XXXX and I have never signed any contracts with XXXX XXXX XXXX and I do not owe them any money
Product: Debt collection

XXXX XXXX  {$25000.00} This debt is not my debt. Title 18 section 8 of the United States. 

The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists All XXXX  credit bureaus are inaccurately reporting false information on my credit report, which is negatively impacting my life and significantly affecting my creditworthiness.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act XXXX account 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 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I need the inquiry removed. The violation made was 15 USC 1681s2 - Responsibilities of furnishers information to consumer reporting agencies. And may be in violation of 15 USC 1681 ( e ) -Procurement of consumer report for resale. The inquiry shared to other agencies is damaging to the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was placed on my credit report as a charge off for the amount of XXXX on XX/XX/2021. I called XXXX XXXX and they stayed that this account was not placed for collection with any of the Credit Bureaus and that I need to give the Bureaus a call and talk to them about it.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) 3 Credit Bureaus are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXXXXXX 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.
Product: Credit card or prepaid card

Hello I am writing to file a complain against Barclay cards. On XX/XX/XXXX I paid off my total balance of {$7200.00}. On XX/XX/XXXX Barclays proceeded to withdraw another {$7200.00} because of my auto-pay settings even though my balance was XXXX. I called Barclays on XX/XX/XXXX to inquire why there was another payment when my balance was XXXX. I called Barclays on XX/XX/XXXX to inquire about the error and was told a payment case will be filed and that it could take 30-60 days to resolve. If find this unacceptable given my balance is XXXX and it was their error. I proceeded to call back on XX/XX/XXXX and was given the run around and said they would escalate it. I called back on XX/XX/XXXX to check and was given the same answer even after talking to a manager. Today is XX/XX/XXXX and the problem is still not resolved. This is an unacceptable customer experience and has cause financial hardship since I am now late on my mortgage payment. Case number is XXXX.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year>, all four major credit bureausEquifax, XXXX, XXXX, and XXXX made it impossible for me to add a personal statement to my credit report despite my repeated efforts to contact each one of them over the past two weeks. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports and to add a personal statement explaining their side of the story if a dispute is unresolved. The persistent failure of these credit bureaus to facilitate this process violates my rights under the FCRA and has left me without a means to ensure that my credit report accurately reflects my circumstances. This stonewalling not only hinders my ability to clarify my credit history but also raises serious concerns about their compliance with federal laws designed to protect consumers. 

Moreover, Equifax, XXXX XXXX XXXX have closed out all of my disputes filed directly with each of them without providing me any results or explanations for their decisions. This is a clear violation of the Fair Credit Billing Act ( FCBA ), which mandates that credit bureaus must investigate disputes and provide the results to the consumer. By failing to inform me of the outcomes, these bureaus have disregarded their legal obligations and left me in the dark about the status of my disputes. This lack of transparency is particularly troubling given the serious nature of the inaccuracies on my report, which include incorrect information fraudulently provided by XXXXXXXX XXXX. The continued presence of these errors on my credit report has unjustly affected my credit standing, undermining the purpose of the FCBA and FCRA. 

In addition to their failure to provide dispute results, Equifax, XXXX, and XXXX have perpetuated the misinformation supplied by XXXXXXXX XXXX, despite clear evidence that refutes the bank 's claims. The FCRA requires credit bureaus to ensure the accuracy of the information they report. However, by maintaining false information on my credit report, they have further violated my rights under the FCRA. This persistent inaccuracy has not only caused undue harm and inconvenience but also highlights the systemic issues within these credit bureaus regarding their handling of consumer disputes and adherence to federal regulations. The combined failures of these institutions to investigate, resolve disputes within the legally required timeline, and provide necessary information underline the urgent need for immediate corrective action to rectify my credit report and prevent further legal ramifications.
Product: Credit reporting or other personal consumer reports

I received a copy of my most recent credit report and there are inquiry from XXXX XXXX XXXX dated XX/XX/2023. I did not initiate, request and/or conduct any business
Product: Prepaid card

Hi, I bought this American Express gift card today ( XX/XX/2023 ) and it is active. I bought because the company American express says that it is useable as long as the merchant accepts American Express... Well, it is a gross misrepresentation and a lie. My gift card has been declined by XXXX and XXXX. XXXX even closed my account for 24 hours because of this. Later I googled this phenomenon and came to know other people have also suffered from this. 

I thought maybe it is best to use it on a different merchant that accepts American Express cards, so this is what I did. I ordered XXXX USD worth of products and yet again it went into pending transaction. My question is why was my transaction not completed? Balance of my Gift is reduced by the same amount i.e. XXXX USD but the merchant hasn't confirmed the receipt of the payment. I have a bad feeling that American Express has taken my money in the name of " Pending transaction '' and nothing beneficial will come out of this for me. I have also read experiences of users on internet regarding the same problem and they never either got the products they ordered or received their money back. 

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

I asked the credit bureaus to investigate every piece of information on the accounts I have listed below. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the following reports attached. 

Accounts : XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX. Under my FHA home loan and insurance I was protected from these late payments and filed all paperwork and was approved. I have been to court and these collections were dismissed by the judge. 
The credit reporting agencies still refuse to remove them and update my accounts This debt that was dismissed also keeps going back on my report and bill collectors call me back to back every day. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

my wallet was lost with all of my personal information in it and never found and now I have accounts on my credit report I never applied for, also some inquires, I need them to be remove immediately XXXX XXXX XXXX XXXX ( closed account ) XXXX  XXXX ( inquire ) XXXX  XXXX XXXX XXXX ( inquire ) XXXX  ( Hotel and travel ) - XXXX ( inquire )
Product: Mortgage

due to the coronavirus i contacted my mortgage company and they said they will waved up to three mounts but after that they want it full. and will not put in on the back end what good is to help people. phh mortgage co. in new jersey i just want a modification to stay current. thank you
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance {$110.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$410.00} XXXXXXXX XXXX  ( Original XXXXXXXX XXXX XXXX XXXX  XXXX A ) XXXX Balance {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX