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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XX/XX/XXXX. I have attached my bank SS Card and DL for proof of ID
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX 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 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 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 XXXX XXXX XXXX. 

XXXX Acct # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, Bankruptcy Ref # XXXX I looked at my Transunion credit report and noticed some things are incomplete and inaccurate and according to The Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure accuracy of the information concerning the individual about who the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

According to XXXX XXXX XXXX i XXXX they are supposed to do this ( XXXX ) treatment of inaccurate or unverifiable information. 
( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file od the consumer. 

According to XXXX XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid XXXX XXXX XXXX ,XXXX was suppose to pay {$50.00} each month never received another meeting after the first upon making several request. Illegal use of XXXX wallet by Blaclwood Credit Service was advised by XXXX when attempting to get my money back. Requested refund from my bank wells fargo after submitting receipt, contract, and email communications they granted refund. XXXX XXXX and XXXX XXXX took me to court in XXXX XXXX for XXXX although the company 's violated Credit Repair Organization Act, Michigan Public Act 160 section 3, and Federal Trade Act Title 15 Chapter 41.
Product: Debt or credit management

I never signed up for Bright Money. They charged me XXXX, yanked the money immediately out of my account, and are now telling me I have to wait four-five days before I can even REQUEST a refund. I want my refund IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report.
Product: Credit reporting or other personal consumer reports

Collections on my account for Transworld System Inc. Shows collection on my account that was paid by the other guy. This is not my debt and I am not aware of this. I tried contacting the debt collector to remove and nothing. I have reach out to all credit bureaus on XXXX XX/XX/year>, XX/XX/year>XXXX  to remove this by lettersI have not receive any responde or action.
Product: Bank account or service

When I opened my accounts at Santander late last year, the manager of the XXXX branch told several lies during the process. XXXX key ones were 1 ) that I had to open XXXX accounts -- that was the current offering and 2 ) that he could give me the same overdraft credit that I had at my previous bank. He said very clearly that that was already approved. Several months later, I 'm not working and not making direct deposits. As a result, I 'm overdrawn and have been receiving phone calls from the bank, and am paying maintenance fees on XXXX accounts. While the current manager has been sympathetic, I do n't feel that Santander is fully responding to such a serious problem. 
In the short term, I would like all my account fees paid to date to be refunded and for an emergency line of credit to be extended. I was told that I had access to {$2000.00} in credit, and Santander should honor that even if the proper application was not taken. In the long term, I would like Santander to contact every customer who opened an account during that period at that branch and verify that they understand the products they purchased and that they have what they were told they have.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). XXXX XXXX XXXX ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have not initiated any transaction with XXXX XXXX, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; PLEASE REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

When I graduated  in 2007 I  had 6 months to start paying on loans. After that period I was trying to consolidate my loans but was told I was unable to consolidate. Making my monthly payment just outrageous and un-affordable. This hurt me through credit, and hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX husband XXXX XXXX ownes this house and I haven't lived at this property since XXXX. He lives there with his New wife and kids. My Divorce decree confirms that XXXX XXXX should have refinanced the house in XX/XX/XXXX.
Product: Mortgage

I just refinanced my mortgage and now it is with a new servicer PHH. I was able to make myXX/XX/XXXX payment electronically even though I had to sign up for electronic statements to avoid a payment fee of {$7.00} I attempted to schedule a payment on XX/XX/ forXX/XX/XXXXonline and their system would not allow me to do that. When I called thinking there may just be a technical issue with their website, I was informed that I wouldnt be able to make payments online unless I sign an amendment to the note. They told me I could mail in a check instead though clearly I would be late since there wouldnt be enough time for a check to get there byXX/XX/XXXX. 

This is completely unacceptable. I am trying to make a timely payment and I dont believe that there is anything in the note that covers payment methods so I dont understand why they would force me to sign an amendment. 

They will make me be late on my mortgage and will impact my credit score. 
This is absolutely the worst servicer I have ever dealt with and I did inform them that I would be filing a complaint with the CFPB which they didnt care about at all.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - XXXX XXXX ) XXXX XXXX OF XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I received an unsolicited HOME DEPOT credit card in the mail. Unsure of exact date. 
It was already activated for use according to the instructions attached to the card and no phone number to call to activate the card. 
XX/XX/XXXX I made an initial purchase of {$100.00}. Received initial statement in XX/XX/XXXX. XXXX reflected purchases and credits from XX/XX/XXXX - XX/XX/XXXX which I didn't purchase or returned for credit. Total purchases listed was {$1300.00}. Total credits was {$650.00} New balance was {$650.00}, My purchase of {$100.00} made on XX/XX/XXXX was listed and I paid this on XX/XX/XXXX. On XX/XX/XXXX I cancelled the subject card and reported to XXXX XXXX. Received confirming letter from XXXX XXXX dated XX/XX/XXXX. Received letter from Customer Service dated XX/XX/XXXX informing me not to pay charges in questions. Received decision letter from XXXX XXXX dated XX/XX/XXXX that I am liable for the disputed charges. Called XXXX XXXX on XX/XX/XXXX and they informed me that once I accepted the card by using it, I am liable for the disputed charges. Received new statement on line reflecting a new balance of {$540.00}. The new statement also reflected a " No interest for 12 month payment requested on XX/XX/XXXX '' which I did not request. I swear on a stack of Bibles that I did not purchase the disputed charges. I hope you can help me. Thank you
Product: Credit reporting or other personal consumer reports

It's required by FCRA 605B that we remove any incorrect accounts from my credit report. Would you please review the documents? Some of the listed accounts are inaccurate in terms of reporting. I should receive {$1000.00} for each inaccurately reported item on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX {$1500.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX XXXX {$640.00} XXXX XXXX  XXXX {$8700.00} XXXX XXXX XXXX {$4000.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX $ XXXX XXXX {$590.00} XXXX XXXX  XXXX {$22000.00} XXXX  XXXX {$10000.00} XXXX   XXXX  XXXX {$1000.00}
Product: Credit card or prepaid card

on XX/XX/2023, consumer of XXXX XXXX  XXXX XXXX credit card, issued and administered by Elan Financial Services attempted to log into account to pay off the balance. User was unable to do so due to 'technical difficulties '. System put a security block on the account without provocation or notification preventing user from logging in to view transactions, balance, or pay account off. XXXX failed attempts to contact 'customer server ' resulted in no service to make a payment due to a fallacious statement made by agent stating the block was placed AFTER i made the calls. This would be impossible, as I was calling due to the block having been placed and unable to access the account. There have been no issues with logging into view and pay balances in the past. This is a retaliation against another Elan financial services card ( Fidelity ) where several statements against Elan have been made regarding their lack of protection against fraud and their failure to follow up on said allegations with all 3 consumer credit bureaus. Solution : remove block from user 's account to allow user to pay balance in full. At this time, I have no ability to access my account, putting it in jeopardy of being late. This is a purposeful attack by Elan and needs to be halted, immediately.
Product: Bank account or service

Dear Sir or Madam : My name is XXXX XXXX XXXX and I have been a personal and business customer of Chase Bank for over 10 years now. I was also a former customer of XXXX and Washington Mutual before they were taken over by Chase. 

I am writing to make you aware of a very unfortunate and irresponsible decision made by Chase regarding an unauthorized claim that I submitted in XXXX. EZPass erroneously charged me for transactions that occurred while I was traveling in XXXX 2016. I submitted written payment for these transactions to this company, but it was not for {$100.00}. I immediately contacted EZPass and Chase because I was overcharged for amounts that I did not authorize. As a result of this, Chase allowed me to submit a claim through their escalation department. I received a " final '' decision yesterday through email correspondence. After reading the incorrect decision, I contacted the Chase escalation department and spoke with XXXX, in XXXX, OH at XXXX. He advised me that EZPass had submitted a " receipt '' as verification of the charges. However, I stated to him that I had signed a form and provided my debit card information for lesser charges. I asked him to contact EZPass again to receive proof of what I had authorized and he stated that the case was closed and there was nothing he could do. 

As a customer I am truly alarmed and shocked at how Chase had not acted on my behalf to protect my money. I have all of my financial dealings with Chase and it stunned me that no one had listened to my request for authorization documents from EZPass stating I had given them permission to take out {$100.00}. Chase should have asked them for proof of the amounts I had authorized EZPass to receive. Any company can submit a " receipt '' without a customer 's signature. Chase chose to protect the merchant, who is not their customer. 

When I originally submitted the claim to Chase, I was refunded the money. However, the correspondence yesterday stated that Chase was going to take the money out of my checking account because they received " proof '' from EZPass. However, this " proof '' was not what I submitted or signed for these transactions. The escalation department should have requested proof of these documents, before they made a final decision. 

Therefore, I am asking for a further investigation into these unauthorized transactions. As a longstanding, frequent customer, Chase is supposed to protect me from companies being able to take as much money as they want, without my authorization. I am also asking that no money be taken out of my account ( as planned for XXXX XXXX, 2016 ) until this investigation is complete with proof of my authorization from EZPass. I would also like to review copies of the forms I signed for EZPass to take the lesser amounts out of my checking account. 

If you need further information regarding this situation, please feel free to contact me at XXXX. Thank you for your time and attention in this urgent matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been fighting this for years now.When this happened I did not have a valid ID to get a loan. I could not even cash a check from my work. How coud I get a loan With out a ID/valid ID? I do have a picture of my papper work from when I was able to get a valid Id. My new ID was issued XX/XX/XXXX. My old ID expired XX/XX/XXXX. with in the time I could not get a new ID due to I did not have a Birth Certificat and don't know mothers maiden name. This is not mine! and it has been holding me back for to long... I want it removed. ASAP
Product: Debt collection

Don't do as XXXX XXXX XXXX, rushing to file lawsuit. I need more time and making progress to solve my financial problems. It is possible for me to repay all the debts, if private lenders like you are as patient as the government lenders.
Product: Payday loan, title loan, or personal loan

While reviewing monitoring service noticed a fraudulent Loan was taken out under my name back in XX/XX/2013 by company Gentry Finance for total amount of {$320.00} i have googled the company and found only one number that did not work.
Product: Credit card or prepaid card

In XX/XX/2021 I paid my balance in full on my Macys.com card run by Citibank. The balance was small, In XXXX I receive a statement that I am late on a payment - I noticed a {$2.00} balance. When I researched the item it appears that Macy 's added a {$2.00} fee to my account in XXXX, I did not receive a XXXX statement that showed a {$2.00} fee, the first statement I receive shows that I am past due. After searching on line it appears that this is a practice for Citibank to add a {$2.00} fee if your account is not paid in full by end of the month. I have paid my account in full in the past and have not had this {$2.00} fee assessed. I paid the fee, but am very concerned on how deceptive this fee is, and the impact that this could have on my credit report score.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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.