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

Resident verify caused a denial of my apartment application in which my income is XXXX the rent and I have no debt nor any evictions nor did I even have a social security number on my application as there was no option to put one therefore the information provided by Resident Verify is complete unverifiable. Ive constantly reported this matter to XXXX as well and as a result it seems as though XXXX has not removed the fraudulent accounts from my credit profile. Such as the XXXX accounts etc to no avail. Now I am suffering injury and loss. I have already submitted a police affidavit pursuant to the matter. No affidavit nor verified person in opposition has came forward in dispute.
Product: Debt collection

I have been getting phone calls from ( XXXX ) XXXX for the last past month. Every day 4 to 5 times a day. This company said that I owe a payday loan that went into collections. I ask for proof in writing and they avoid the question. I spoke to a woman she want give me her name. She said the Local Police Department has been notified and they will be at my door to arrest me if I do n't pay. In XXXX 2010 I did get a Check into cash loan, but I paid it off. Now they are calling my place of employment harassing them about this loan. I called and ask them to stop calling. This man answered the phone saying that he was the manager. He would n't give me his name. He stated he will continue to call my cell number and my place of employment until I pay {$850.00}.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX  I went to RightWay Auto in XXXX, MI trying to buy a car. While checking my credit, they made several hard inquiries on my credit report instead of doing one soft hit. I feel like they have violated my credit report by doing so and I would like to dispute those inquiries. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX XXXX XXXX -- I do not remember being late on this account because I always pay on time. 

XXXX XXXX XXXX -- I do not remember being late on this account because I always pay on time. 

XXXX XXXX XXXX XXXXXXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX XX/XX/2022 -- - UNAUTHORIZED INQUIRY. PLEASE DELETE! 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 -- - UNAUTHORIZED INQUIRY. PLEASE DELETE! 


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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Portfolio Recovery Assoc - I do not have any agreement with them. I never signed anything with them. They claim they purchased my debt, but I asked them to validate the debt TWICE by mail, and they never responded. Portfolio Recovery Assoc never showed me any signed documents by me and I asked for verification of debt and they did not respond.. Portfolio Recovery Assoc FALSELY is listing on my report that I am LATE ON PAYMENTS - this is false and fraudulent. I do not have any payment agreement with them. I submitted a complaint for this through the CFPB website and they sent me a generic letter stating I owed this debt as proof and that it was a XXXX account. I have NO XXXX accounts and those have already been disputed and taken off of my credit report years ago. Nevertheless, Portfolio Recovery continues to report for many many years that I have not been making payments to them. I will not make payments to a company I know nothing of for a credit that I did not owe and has been already disputed and removed. Portfolio Recovery this is reckless and fraudulent practice. You should not be able to damage people and their lives this way.
Product: Credit reporting or other personal consumer reports

Need to be able to have access to my Trans Union credit report as the website stated access on a weekly basis
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute with CBNA in regards to a supposed inquiry that the company claims I made in XX/XX/2018. In there response they did not verify ANYTHING. They are saying that I inquired for credit online. They have not provided proof of a WET SIGNATURE or considering it was supposedly done online, they have not provided an IP ADDRESS associated with my home address. They don't have any of that because I never inquired for credit.They have not and can not provide documentation proving any such inquiry was made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made two payments on my XXXX student loan account. I made a {$1000.00} payment in XXXX of 2021 and a second payment of {$1000.00} in XXXX of 2021. All three of my credit reports show different information such as no payment history, no data, or the balance is incorrect. I have addressed this with each of my creditors and XXXX. Bank statements can be provided only if necessary as it has personally sensitive information but it does show payments that were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported a wrong hard inquiry dated XX/XX/2018. On my complaint to XXXX  through CFPB, XXXX has issued letters many times that it has reported to all credit agencies such as Equifax to remove/mask the hard inquiries. These letters are attached here. 
Despite of that Equifax states that it ran investigation with XXXX and XXXX has stated that the hard inquiry is correct. 
Both Equifax and XXXX are liars, either XXXX reports correct data only to CFPB and misguide Equifax by reporting the hard inquiry as a correct record, or Equifax is liar which states that it confirmed with XXXX  that the record is correct. 

Either of XXXX or Equifax is a liar. However, I will be forced to sue both of them to get the hard inquiry removed. 

Attached are frivolous documents of Equifax and the correct documents of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I mailed the paper request form from XXXX requesting my credit reports from Equifax, XXXX, and XXXX. I never received my Equifax report, and they have had sufficient time to get it to me ( more than 40 days ) even with mail delays during the pandemic. My paper request form was received by the processing center on or before XX/XX/21 as I received reports from XXXX  and XXXX, both dated that day. I have received NO communication from Equifax. 

On XX/XX/21 I called Equifax to try and get this resolved, but was unable to reach a live person.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX # XXXX name : FAIR COLLECTIONS & OUT # XXXX Account name : XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX XXXX ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or removed. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are repaired immediately : XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Subject : This account is under the XXXX  XXXX XXXX   Program This is to notify you that this account is being processed by the XXXX XXXX XXXX  Program and Ive been instructed to NOT make further monthly payments so that it can be negotiated and processed under the XXXX XXXX   XXXX Program. This is my formal notice that this account # XXXXXXXX for {$1500.00} will be handled by XXXX XXXX. 

Thank you, XXXX XXXX
Product: Checking or savings account

I had believed I was gaining employment with XXXX XXXX, a at home data entry position, being XXXX  and able to stay home with the baby and still contribute to my family. This was an ideal position. I had an interview which I believed was from XXXX along with filling out an employee form. I was advised I would have to purchase a laptop along with associated software from their vendors but the company would send the checks to do so with. After receiving the checks I deposited them in my bank account. I got a text from Webster Bank stating, Funds are normally received within two business days. Please keep your paper checks until the funds are posted to your account I waited before sending any money to the vendors until the checks were posted to my account, as per instructed from the bank leading me to believe the checks were legitimate. I did keep the checks even though they were posted to my account and have been able to include them in my police report along with the complaint I have made to F.B.I. cyber crimes. After sending several checks I decided to check my app for my bank and found payments were being made at the same time the checks were being charged back. I dont understand why those payments werent stopped. I immediately called the bank and was advised I had to file a police report and go to the branch. I went to the Webster Bank, the XXXX branch where I spoke with XXXX XXXX, director of banking, showed the police report and asked why the checks were posted to my account without any hold on them, leading me to believe they were legitimate. I was told by XXXX that by federal law the bank has to post a check within 24 hours. I requested to stop the payments and was told there was nothing they could do, checks charge back even 4 days after I was at the branch with a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/10 i got a alert from XXXX XXXX financial services i called the number and it was disconnected... mind you i have not applied for a motorcycle loan in years..here is the information please verify as i have already did ... and please delete this inquiry off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Checking or savings account

Chase Bank - Fraudulent Transaction. 

During a stay at a hotel in New York, I used my laptop connected to the hotels wifi to log into my Chase online bank account to pay a bill. I used an online bill payment feature to have a {$65.00} check sent. To the best of my recollection, this was late in the evening  of Thursday, XX/XX/2019. 

The following Monday, XX/XX/2019, while doing my expense report from my business trip, I accessed my account again and saw an additional transaction, XXXX  with XXXX payment to XXXX XXXX in the amount of {$1800.00} had posted to my account on Friday, XX/XX/XXXX, in addition to the {$65.00} check I had logged in to send. I immediately called Chase to report this transaction as fraudulent as it was not authorized by nor initiate by me. They opened an investigation and temporarily refunded the {$1800.00}. I also called the hotel to let them know this appeared to have happened on their wifi network. 

I additionally visited a Chase bank branch as instructed by the phone representative to close the old accounts and open new replacement accounts. A few days later after the {$65.00} check cleared the old account, Chase closed both my old checking and savings account. 

On Monday, XX/XX/XXXX, I learned that Chase had denied my fraud claim and they withdrew the {$1800.00} temporary refund. Upon calling, and visiting a bank branch immediately, I was told that the denial was a final determination and I have no further recourse with Chase to appeal their conclusion or request a more in-depth investigation. Chases investigators never contacted me, nor did they request any additional information or a signed statement beyond the information I gave the phone representative during my initial call on XX/XX/XXXX. 

Chase will only share general details with me as to their determination that it was an authorized transaction. They say that there were no fraud triggers ( i.e. failed sign-in attempts ) and that it appears to them that my authorized device was used for this transaction. They wont confirm to me if this was determined based on the IP address that initiated the transaction. 

Upon receiving Chases denial, and their refusal to reopen the claim, I did some research on XX/XX/XXXX and found the news article below, detailing a known fraud scheme involving another Chase/XXXX transaction. Tech expert XXXX XXXX at XXXX XXXX said it's happening to people across the country. Hackers have found ways to remotely access a consumers ' account from a customers ' IP address and send money to themselves in a matter of minutes. 

Full article linked here : https : XXXX I would appear to have fallen victim to this method. Chase clearly knows this method of hacking ( this news story is about a Chase account holder ) and is refusing to reconsider their determination.
Product: Checking or savings account

I received a check from XXXX XXXX on monday XX/XX/22 and did a mobile deposit to my bank Wells Fargo on Tuesday XX/XX/22. They deposited {$400.00} into my checking account and said the rest of the money {$1800.00} would be deposited on today XX/XX/22. When I checked my account this morning they had taken the {$400.00} back and I could not understand why. I called Wells Fargo this morning and they said that XXXX XXXX did not release the funds to wells fargo. I called XXXX XXXX  as well and they said that everything was clear on their end and the funds were released. Wells fargo is now holding my check until next Thursday XX/XX/XXXX. I have bills that are coming out and need my money to be released as soon as possible. I have never had this happen before and have never had an issue receiving funds in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company, Bank of America, is reporting me late for the month of XX/XX/2020. I WAS NOT LATE. I sent my normal payment and they held the payment and did not apply it due a dispute that I am having with a home improvement program that I used to upgrade my home. The home improvement company added their entire principal and interest payment to my property taxes which caused my payment to double. I was in the process of applying for a consolidation loan with Bank of America to payoff the home improvement company and was advised to continue making my regular monthly payment. They late reported caused my credit score to drop below the required minimum which has caused them ( Bank of America ) to decline my loan until I can get my score back up. The reported late caused my credit score to drop by 74 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$870.00}, XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$1500.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

fraudulent inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to express my serious concerns regarding Chase 's handling of fraudulent charges on my account. While the company has credited my account for the fraudulent transactions, they have failed to address the interest and late fees that accumulated during the period of investigation. These fees have now exceeded {$1300.00} and continue to negatively impact my credit score. Despite this, Chase has not taken any steps to rectify the delinquencies reported to the credit bureaus, which is a direct result of their mishandling of my account. 

Moreover, Chase has not provided a satisfactory explanation as to why they have refused to refund the {$9500.00} in XXXX transactions. The reliance on XXXXXXXX XXXX as proof is insufficient, as it does not definitively establish that the transactions were authorized by me or on my device. Additionally, Chase has yet to justify why they have not refunded the {$8500.00} charge to my XXXX XXXX XXXX. 

The companys lack of action and inadequate responses have not only been financially damaging but have also caused me significant emotional distress. I believe their conduct in this matter is both unethical and in violation of consumer protection standards. 

I kindly request your assistance in resolving these issues promptly and ensuring that Chase is held accountable for their actions. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXXXXXX XXXX  ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was 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 information relating to any transaction by the consumer. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd dispute with Trans Union regarding the incorrect name on file. I received a reply from the company in less than 10 min after filling my dispute stating that the name on file was correct and verified with out showing me any proof of their rather quick investigation. The name that they have on file is : XXXX XXXX XXXX and XXXX XXXX. My legal name is XXXX XXXX. Can you please have them update my name and correct it ASAP. 
Report Created On : XX/XX/2023 File Identification Number : XXXX Provided by TransUnion XXXX Relations
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit companys has yet to remove the items that i have disputed these are not my accounts they need to be remove.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and notice I had inquiries which I never authorized nor signed any type of consent for anybody to make any action towards my credit reporting incorrectly. So I called the credit reporting agency to help me handle this identity theft that occurred. So all my inquiries were done may through XXXX of XXXX. On which I have 8 inquiries that I didnt realize I had.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the inaccurate information that is being reported and displayed on my credit report. It has been well over 30 plus days and I have not received any investigation results. There are a total of XXXX inaccurate accounts on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. 

I applied for costco citi credit card on XX/XX/2020 when my credit score was XXXX. The application has not been approved. On XX/XX/2020 I received an email explaining why my credit card application got denied. The letter in the email attachment says that My score is XXXX, delinquencies in my credit accounts, high credit card balances which is totally incorrect. They received that report from XXXX Credit Information Services. I called XXXX  and they say that my report is in good standing and no such information is true as per the letter. I called citi credit card services. They say that they do not have any control and they just depend on what they receive from the system. I also had a hard inquiry in my credit history because of this false reporting. 

What kind of a report is that then? 

I want to report this incident so that in future this kind of inaccurate reporting does not impact credit decisions for me or other customers. 

Thank you for providing opportunity to report such grievances to take necessary actions if needed. I can provide more evidences if required. 

Thank you, XXXX XXXX XXXX