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

XX/XX/22 I received an alert from XXXX XXXXXXXX showing a hard inquiry and when i called the company they had no record of any applications on record and advised i dispute the inquiry. I have not recently applied to anything to recieve an inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Equifax failed to comply with the Fair Credit Reporting Act, 15 USCsections 1681i within the time declared by law and continued reporting unconfirmedinformation which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/2020 I spoke to loan officer XXXX XXXX in an attempt to get a mortgage. He ensured me that as a current VA loan customer, the fact that I wanted to purchase the home directly next door to me with another VA loan could be achieved. 

I completed the loan application, submitted all the required forms and my file was sent to the loan processor around late XX/XX/2020. During the entire process leading up to my file going to the loan processor I inquired many times with XXXX on the status of my loan. He ensured me that there were no issues and everything was looking positive. XXXX also said his team members were on top of my file so we could get the deal closed soon. 

XXXX went out of the country during the processing of my loan and was very unresponsive to my follow-up inquiries for my loan. When i called Freedom mortgage I could never speak to a manager concerning XXXX being unresponsive to me calling him. 

When XXXX finally called me after about 2 weeks of being MIA he told me there were no problems with my loan processing. 

Late XXXX XXXX-Loan processing stage. XXXX XXXX called me asking for the Same documents I gave to XXXX back in XX/XX/2020. I gave him the documents in an attempt to make sure the loan would close soon. 

XXXX XXXX also ensured me the loan was moving along at a good pace and there were no issues. He and XXXX said i was in the underwriting stage and there were no issues. XXXX then asked for duplicate documents and XXXX scheduled the appraisal. I paid for the appraisal and termite inspection. The VA appraiser also came back out to fix the repairs the sellers fixed. 

I was told by XXXX we could close XX/XX/XXXX then the sellers moved it back to the end of XXXX. Title company set up closing for XX/XX/XXXX and XXXX said we could close XX/XX/2020. XXXX also sent me a new loan disclosure based on the changed loan amount from the VA appraisal. 

Come XX/XX/2020, XXXX called me and said the underwriter will not approved the loan not because I didnt qualify but because the underwriter said I couldnt buy the house next door with a VA loan. 

I was told by XXXX there could be another option to save the deal but he never called me back about the option. I called XXXX, XXXX manager, XXXX managers and tried to speak to anyone who could assist, but I received no answer back. When I finally did speak to someone from the closing team they said the loan was suspended XX/XX/2020, which I had no knowledge of. 

XXXX XXXX and XXXX XXXX were very misleading and deceitful in processing my loan application. I have lost the money I paid for the appraisal, the termite inspection and pulled money out of my 401K for closing, which I will be taxed {$300.00} on. In addition to the money lost, they waisted my time and caused stress to me as well as the sellers. 
I never even received a loan denial letter which by federal regulation Im entitled to. 

The sellers pulled out the deal when i told them we couldnt close on XXXX XXXX. 
I would like to be refunded my money I lost for the appraisal, termite inspection, and money I will be taxed for taking money out my 401K. 

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

I have been having an issue with an account on my Transunion credit report. I recently view it and after several attemps to have this matter resolved I see there still is innacurate information reporting. There is an account - XXXX XXXX XXXX XXXX Account # XXXX reporting a payment late XX/XX/year>. In accordance to the Fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states that I have a right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these late payments being late, please update my payment history to PAANL status ( PAID AS AGREED, NEVER LATE ) according to consumer protection laws
Product: Credit card or prepaid card

I use Bank of America cash reward credit card. Early this year, an employee in XXXX delivery stole my personal information and got a cellphone through the card. I reported the fraud to the bank. I also contacted the police office because it is not only related to this credit card. However, after the BOA 's investigation, they thought it is not a fraud and close the case. I contacted with them about it but useless. So I contacted with the merchant. As the thief was found by the police, and the phone was returned to merchant, they are willing to refund me, however, when the merchant tried to issue the refund, refund is blocked by the bank and under investigation for several months. I contact the bank through phone, they said, it is not related to credit card department but merchant service and left me with a phone number. However I can not find anyone to work with because I'm not the merchant and don't have the merchant id they need to provide. The money is stay at the Bank and I never get it back.
Product: Credit reporting or other personal consumer reports

These accounts were incorrect records in public information and needs to be deleted in my credit report. I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Also I have been instructed by my local police department to file a report on www.identitytheft.gov and include the report on the attachments on my disputes as it was FEDERAL LAW ENFORCEMENT AGENCY and they will help me get the justice I deserve. 

Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$92000.00}, and XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$98000.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations 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 harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violated federal law and my rights as a consumer.
Product: Checking or savings account

I just want my money back from my chime account please thank u XXXX in my account
Product: Checking or savings account

My account has been frozen or card cancelled more times than I can count. It got to the point I had to get a new card almost every month because of illegal activity or something. XXXX years ago they put a transaction through that they had already put through to years prior. I know it sounds crazy but this is the kind of stuff Ive been going through. They suspended my debit card at one point for a year. Why is my card being suspended when someone is getting in my account and Im showing you my card is in my possession. Then I have to wait on the arrival of the new card. XXXXXXXX XXXX XXXX2 I was at XXXX  XXXX XXXX trying to get a vehicle again someone got in my account. I told the rep I will change my PIN number dont cancel card. Her and I went back and fourth. XXXX XXXX left me careless and I was waiting on XXXX and XXXX still waiting on XXXX. When I got to final process of the rental car my card didnt work. The rep had closed the card. The problems and inconvenience are to numerous to count. From the fees, credit card fees, card cancellation, negative account, debit card problems, overdraft fees, and the list dont end
Product: Vehicle loan or lease

I have retained a bankruptcy lawyer and I notified Bridgecrest in XXXX that a lawyer has been retained and offered the attorney 's information which they refused to take. I received an email and text message XX/XX/2019 from Bridgecrest advising that a payment is due and I responded to the text message that I have an attorney and sent the name and phone number of my attorney. I received a return text that my vehicle is currently out for recovery and I needed to make a payment of {$1700.00} today XX/XX/2019 because there is not a notation on my account that an active bankruptcy is present. I followed my attorney 's instructions and notified all creditors of obtaining an attorney and this creditor is the only one that has continuously failed to stop collection proceedings.
Product: Checking or savings account

Our checking account with pnc bank was hacked and money was taken out in amount of $ XXXX to $ XXXX and they had our social security numbers and address and phone numbers police report was filed on this to where we live pnc had copys of this information to know I didnt make this up and they just closed our account with them made us feel like we did something wrong wouldnt even listen to our end sent us to collections so now they are included on our XXXX XXXX  bkt we are in process of filing they have said negative things on our banking history trying to prevent me from opening another somewhere else I need that information deleted from my banking history report and marked correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a dispute on Experian 's website about a charge off account that is inaccurate. A XXXX XXXX account that is not accurate. A statement came back on the website that the information was validated. I sent a letter stating that the information was incorrect and to be deleted. It was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I played off the account early and they expected me to keep making payments. I brought this to their attention once and they said it would be fixed but was not the next time I was turned in to the CREDIT bureau for not making payments on a loan that was paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has an accounts on my credit report that should not be there. Account Type Credit Card M XXXX XX/XX/2016 Account Number XXXX Account Type Credit Card Terms M XXXX Date OpenedXX/XX/2016 Account Status Closed Payment Status Late Payment Status Details Bad debt & placed for collection & skip Status Updated XX/XX/2016 Balance {$34000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$530.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount - Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION CHARGED OFF ACCOUNT The collection department was constantly calling my home and job and leaving my personal information with my coworkers. They left threatening messages and I was n't sure what they were referring to. This increased my stress level causing my XXXX XXXX to increase and I began to have further issues with my fibroids. I ended up having emergency XXXX. This account is not mine, it was removed from my report and then added again. As a result my credit keeps decreasing. I am a XXXX XXXX of XXXX and have XXXX child getting ready to go to college. I might have to have loans to cover expenses and if my credit is not up to par then this would be an additional stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed unauthorized credit inquiries made by unrecognized creditors on my Equifax credit report. Equifax returned a result of that dispute, without any research whatsoever. The results were that the inquiries remained. Please see attached report. 

I was unable to exercise my right to make a dispute of the inquiries at all, with XXXX and XXXX, by phone nor online.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX gave me a credit card. On XX/XX/2022 the closing balance on the account was XXXX dollars and the balance on the card is still XXXX dollars. Yet on my credit report it is showing that I owe {$1400.00} on the credit card and that is false. 
The balance on the card is XXXX dollars and it should be reported as such. 
Kindly fix the account balance being reported on my credit report to XXXX dollars please on my XXXXXXXX XXXX  XXXX XXXX Credit card please.
Product: Credit reporting

XXXX ( XXXX ) XXXX ext XXXX Following several disputes with the credit bureau ( s ) ( TransUnion and XXXX ) and phone calls to XXXX, neither of these agencies can produce any proof this account is mine, tell me what it is for, or produce any signed document correlating me with the account. In addition upon connecting with XXXX, first they stated this is a medical bill ( I never received medical care ), then it was for tuition reimbursement ( never received tuition payments ), then it was for school reimbursements. To date XXXX can not produce a single document correlating me with the proposed amounts owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH XXXX Bureaus OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS ; XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXX/XX/XXXX.I DO NOT RECOGNIZE THESE INQUIRES AND XXXX Bureaus VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX & XXXXXXXX XXXX XXXX account # XXXX & XXXX, XXXX account # 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 an account without my written instructions
Product: Checking or savings account

Dear Sir or Madam, I upgraded the chase checking account last XXXX to sapphire account with Chase to get the {$1000.00} coupon as they advised that if the balance maintains {$75000.00} for 3 moths on a sapphire account, we can get {$1000.00}. It is already 5 months I still didn't see the {$1000.00} coupon. By talking to customer service, they said because I only deposited {$72000.00} and the remaining {$3000.00} is a roll over from the old account and didn't been counted as new money. However, I was instructed by the chase branch banker that she upgraded my checking account, told me to write a check for {$72000.00} instead of {$75000.00} and promised me that I was all set. Now chase refuses to pay me {$1000.00}. To my understanding, it is Chase 's fault that they didn't train their employee well and misguided me. I shouldn't be the one to take the loss. Please help me with the issue. Thank you very much and I really appreciate it! 

Thanks!
Product: Credit reporting or other personal consumer reports

Please see attached documafvents. Do not close this complaint stating it is not me. I am a natural person and a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase wrote down a student loan I had with them in XX/XX/2012. They eliminated their student loan unit. They sent me paperwork saying I would now have to pay taxes on the right-off. However, they have since not corrected my credit reports and continue to add statements such as transfered to recovery unit. There is no one to talk to at Chase bc the unit no longer exists. The credit bureaus won't change the info despite challenging myself and with help of XXXX XXXX XXXX. I need help. Thanks!
Product: Mortgage

I was a single mother buying a newly built home in XXXX XXXX Ca. I was coerced about how I was able to make down payment to the point of asking me if I knew the person completeing the loan deposit. I received no information regarding the foreclosure from Wellsfargo. I had purchased several appliciances i, e microwave, refrigerator etc and a large ceiling kitchen island light over the island dropped from the ceiling.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 c
rimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shIn 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.all 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

I reached out to both   XXXX   and   XXXX   to make them aware of unauthorized inquiries on my credit report. They were unwilling to assist me in getting these erroneous inquiries removed, so I am reaching out to you to help. There are also accounts that are not mine that are showing that need to be removed. The inquiries are :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    <P/> The following are inquiries from  XXXX  that are not authorized by me :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX