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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed them without incident. You, however, seem to claim you've verified the accuracy of the information. I have talked to the furnishers and they agreed to remove the accounts from my file but Transunion has some internal block that they're claiming they can use to not block the accounts because they feel they're above the law. When I asked them why they're not accepting the dispute letters and complaints, they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. So please just DELETE these accounts below : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, TXXXX XXXX, XXXX  XXXX XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

# greenscreenvideo trans union, XXXX 5Gw Search I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting agency reporting inquiries on my credit report that are unknown, unrecognized and unauthorized.
Product: Credit reporting or other personal consumer reports

I woke up this morning and found out that the complaint I sent in regards to my personal information is still in correct.
Product: Mortgage

The original price of the mortgage was to be {$340000.00}. When we got to closing the price had been increased wothout prior warning or explanation by {$60000.00}, which was the exact amount the lender allowed for repairs and other improvements to be made to the property, however, so how the mortgager increased the price by that amount. 
Due to the drastic nature of price and/or fees change ( increase ) presented at the closing, there is reason to believe that there were violations of both the Truth in Lending Act and RESPA. The price of the residential mortgage was increased by {$60000.00} at the closing, without warning, nor prior discussion, thus increasing the price to {$400000.00} for an older XXXX bedroom home, very predatory pricing for the particular area. It is hoped that the reasoning for this can be uncovered and rectified during the course of this investigation, and any resulting negotiations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had requested to have the inquiries listed below removed from my credit report as the inquiries were not authorized or placed by myself. The agent I had spoken with at Transunion on Friday XX/XX/19 had said they would not be able to assist me.
Product: Checking or savings account

On XXXX XX/XX/XXXX USAA Federal Savings Bank sent me a text message about suspicious activity. I looked at my account a noticed multiple unauthorized transaction. I called USAA and let them know that I did not authorize or approve any withdraws or deposits that were not from Department XXXX XXXX XXXX accounting system. Since I have not used this account I believe USAA was hacked. The total amount withdrawn was around {$24000.00}. {$12000.00} was my balance on the account and {$12000.00} was overdraft. I spoke with a couple of the USAA representatives and let them know that I only deposit {$50.00} from every paycheck and {$100.00} from my XXXX XXXX check every month. I also told them that I have not used the debit card or activated. I was using the account to save money to help defray the cost of a future funeral for my parent. I also reiterated the account was not used other to deposit. As of that call I was locked from my account and could not no longer access. I called again and was told that USAA did not believe it was fraud and were not going to compensate me. I then asked to have them send me paper copies of my account and all correspondence thru the post office in paper because I could not get into my account because I was locked out. I was also told my account will be closed in 60 days and USAA would no longer do business with me. Then I called to ask about the status about my notifications. The person on the phone told me a fraud claim was not started and apologized. On XXXX XX/XX/XXXX I received a letter that my account was in overdraft status then on XXXX XX/XX/XXXX I received an email stating {$12000.00} was deposited as charge of for fraud. On XXXX XX/XX/XXXX I called and spoke about the {$12000.00} charge off for fraud and asked about getting my balance that was stolen. Again, the person on the phone told me I had received documents to my online account. I also re-iterated my account was locked and was not allowed to look at it. After XXXX minutes on the phone and asking to be transferred to the XXXX department, I was finally forwarded. I spoke with another person who told me that I was sent notifications to the online account. I let USAA XXXX know, I asked for everything to be mailed. I asked why USAA would not reimburse me. He said my fraud was denied and repeated what all the other clerks said. I asked how is it that an account that has not been used to best of my recollection since XXXX, never has any debits with {$12000.00} all of sudden is all withdrawn and on top of it they withdrew another {$12000.00} to put my account in a negative balance is not noticed or flagged. The USAA XXXX finally let me into my account so I could see all the notices, but said I would not get reimbursed. Please help me recover my account balance because my dealings with USAA are not going anywhere. Also I did file a police report XXXX XXXX XXXX and a FBI report at XXXX and sent it to USAA. I attached the banking statements which USAA has. If you need anything from me please let me know.
Product: Credit reporting or other personal consumer reports

this account was opened fraudulently XXXX XXXX XXXXXXXX XXXX office of attorney general and my information was part of a data breach with Equifax which they still have yet to address this.
Product: Checking or savings account

Open new account and due to fact that my ex husband is connected to organized crime. My accounts have been having problems hacked and tellers stealing funds. On going problem with thieves. Today because I'm dealing with hacker my phone account was hacked. Then when get a person phone or teller like they want play game. In the past there secret account in my name without my consent my ex husband XXXX XXXX XXXX and he was literally taking money account as and funding second account. All fraud. I just want more security this hacker had change feature on online account. There are other factors that was done me on personsnal level. My ex is broke and been trying pay his taxes of me 4 th quarter. I need this man and crooked people stay out my account. I noticed when I asked for certain things. They refused to help. That there job and not defraud me. Or make account I didn't ask for these tellers need be investigated cause they doing fraud stuff. If they doing to me they doing others. Audit all accounts. In my name all hidden accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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
Product: Credit reporting or other personal consumer reports

I have noticed inaccuracies in my payment history that I believe do not reflect my true payment behavior. It is essential for me to maintain an accurate credit report, and I kindly request a thorough review of these discrepancies. I believe that my overall history with Navy Federal Credit Union demonstrates my commitment to meeting my financial obligations. I wish to exercise any resource possible to remove this inaccurate information and invoking my rights as a consumer as well as XXXX
Product: Debt collection

I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership.

2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible.

3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal.

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. 

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Experian is violation of 15 U.S Code 1681i ( XXXX ) ( B ) ( ii ) ( XXXX ). These items was deleted and you reinserted them without notifying me XXXX business days after and certifying that the items was validated properly. 

and failure to respond in 30 days FCRA Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to XXXX & Experian to report anything on my consumer report.
Product: Checking or savings account

I tried to open bank accounts but I was told someone open account in my name and I provided police reports supporting that fact I never did so when I try to open bank accounts they saying I cant I try opening accounts with chase, XXXX  XXXX, XXXX and they told me Im high risk cause of fraud of previous accounts I never opened and gave police reports to prove that it wasnt me and they still declined me from opening an account
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Sagestream continue to report incorrect information on my consumer report. My name is XXXX XXXX my address is XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX there should be no other names or addresses listed on my consumer report. I have repeatedly asked that these consumer agencies update and provide a new report immediately and I have not received any information.
Product: Mortgage

I logged into my Rushmore loan mortgage account to pay my bill, and Rushmore is blocking me access to pay on my loan. When I called customers services to ask why the website is blocking me from paying on my bill they told me because my last payment didn't go thru and now the only way I can pay on my mortgage loan is with a cashiers check or with XXXX XXXX. First of all the last payment bounce do to the fact that Rushmore tried to steal more money then they were required to take, and caused my bank to charge me with overdraft fees which I reported here in my previous complaint. And as for paying with a cashers check or with XXXX XXXX that is more money Rushmore is trying to make me spend because of processing charges, which I will be deducting from my payment to Rushmore instead of four hundred dollars my payment is {$370.00} because XXXX XXXX charges a {$30.00} process fee. Rushmore is debt collection company that needs to be investigated for fraud, and a class action suit brought against the company and it's affiliates.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its Legal Obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my card standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I am here to file a complain against Citi bank in CA. 

The situation is as follows : In XX/XX/year>, I closed my XXXX XXXX XXXXXXXX XXXX account for XXXX XXXX XXXX and received a cashier 's check for USD XXXX. In XX/XX/year>, I opened a new account at Citi Bank under the same company name and deposited the check into the corresponding XXXX XXXX XXXX account at Citi. I also transferred USD XXXX from another account into this company account, bringing the total to around USD XXXX. 

However, on XX/XX/XXXX, Citi Bank closed my account. After waiting for three months, expecting them to issue a check for my company, there has been no response. Despite repeated communications with Citi Bank recently, they refuse to issue a check, even though they have already deposited the XXXX  check into their account. They are asking me to request XXXX XXXX XXXX to ask Citi Bank to return the check to XXXX and then have  XXXX issue a new check to me. I have consulted with XXXX  and they do not handle any matters related to closed accounts. 

I wish to file a complaint against Citi Bank for this unreasonable request for the following reasons : I had already deposited the check at the counter. Citi Bank did not raise any objections or contact me about any issues with the check after it was deposited, and the funds from XXXX had been transferred to Citi. 
The action now being requested by Citi Bank is illogical, as they have already accepted the check. 
I have attached the relevant documents following my account opening at Citi Bank. These include : Documentation showing the checking account number for the company account opened. 
Details of the check amount I deposited. 
The letter from Citi Bank notifying me of the account closure. 
A photocopy of the XXXX  check I deposited into the Citi Bank account.
Product: Credit reporting

Equifax , when requested to allow me to speak with an American, rather than someone in XXXX, repeatedly hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is concern for not being able to access report online and the information displayed to verify my identity/account is not associated with me. In speaking with XXXX, ID XXXX to request a mailed copy of my report I was provided Conf # XXXX, and informed a report would be received within 10 business days. 

On or around XXXX XXXX, 2017, I telephoned Equifax to report missing checks, a fraud alert that was initiated by the bank and to confirm Equifax security freeze. On this date, I was informed that a credit report was processed and would be mailed ( Conf # XXXX ). I have yet to receive a credit report from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED XXXX XXXX XXXX  AROUND XX/XX/2021 IN REGARDS OF THE FRADULENTLY ACCOUNT BEING REPORTED ON MY CREDIT REPORTS BY THEM ASKING FOR THEIR ASSISTANCE IN GETTING IT REMOVED. ON XX/XX/2021 I RECEIVED AN EMAIL FROMV THEM ( ATTACHED ). ON XXXX XXXX XXXX I REPLIED TO THEIR EMAIL ALSO ( ATTACHED ). AFTER THAT NEVER HEARD BACK FROM THEM
Product: Credit reporting or other personal consumer reports

I am writing to dispute a collection account that has erroneously appeared on my credit report. This account pertains to a business that is not associated with me personally. The business in question closed due to the impact of COVID-19, and the XXXX account should not be reported under my personal credit history. 

The account in question is listed under the business name and is not linked to my individual Social Security Number or personal liability. Reporting this account under my personal credit profile is not only incorrect but also potentially damaging to my creditworthiness. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and verifiable information. The FCRA stipulates that any information that can not be verified must be promptly removed from the credit report ( 15 U.S.C. 1681i ). Given that this account is not mine and pertains to a business entity, it is imperative that it be removed immediately. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) mandates that debt collectors must ensure that they are reporting accurate information. Misreporting a business account under my personal credit is a clear violation of these statutes. 

I demand that this collection account be investigated promptly and removed from my credit report within the legally mandated period. Failure to do so will leave me no choice but to seek legal recourse to enforce my rights under the FCRA and FDCPA. This may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially pursuing litigation for damages caused by this inaccurate reporting.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX and I do not have a contract with MIDLAND CREDIT XXXX plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$1900.00}
Product: Credit card or prepaid card

I have credit card with Wells Fargo, and my credit line is {$5000.00}. In XXXX, I received balance transfer offer from Wells Fargo ; the same month XXXX XX/XX/2020 XXXX, I applied for balance transfer in the amount of {$3000.00} plus {$120.00} transfer fee ( total {$3100.00} XXXX. The advertised terms says that " Enjoy a 0 % APR on balance transfers for 15 months ... .by XX/XX/2020 ... After that, your standard APR for purchases and balance transfer will apply ( currently 22.49 % ) ... 4 % balance transfer fee applies to transfers made in pursuant to this offer '' and Payment terms further says that " Generally, we will apply your minimum payment first to lower APR balances ( such as Purchases ) before balances with higher APRs ... Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. 
From XX/XX/2020 to XX/XX/2020 I had a purchase balance of {$2600.00}, and I made payment of {$2600.00}. Also, the minimum payment was {$61.00}. According to the Payment terms, {$61.00} minimum payment should be applied to my balance transfer XXXX $ XXXX {$61.00} XXXX, and XXXX should reduce my purchase balance to {$35.00}. And also, my balance transfer balance should be {$3000.00} XXXX $ XXXX {$61.00} XXXX for me to enjoy the advertised 0 % for 15 months ( the reason I made the transaction ). 
Wells Fargo instead, reduced the balance transfer that is subject to 0 % APR for 15 months with my payments. This contrasts with the advertisement and then begins to charge me interest on my purchase balance. My purchase balance is the one with higher APR and balance transfer has lower APR ( 0 % ). 
I called them to complain about this issue, and they sent some documents repeating the terms as advertised, and I thought they would adjust my account balances to reflect the terms. However, Well Fargo refused to make any adjustments but instead, repeated the same practices, reducing the balance transfer balance to almost {$0.00} and charged me interest again. I called their Research and Remediation Analyst, XXXX XXXX at XXXX. She told me there's nothing she can do about it that Wells Fargo can change its advertised terms any time without notice.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 
XXXX XXXX XXXX Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : Unauthorized Inquiries : XXXX  - XXXX Collection Accounts : XXXX  XXXX - XXXX These accounts listed above have been inaccurately reported and should not reflect negatively on my credit report. The continued reporting of these accounts as collections is misleading and damaging, and it is a violation of my rights under the FCRA.