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

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Subject : Complaint Regarding Unauthorized Hard Inquiries by Xactus and XXXX XXXX XXXX  Bankers To Whom It May Concern, I am filing a formal complaint regarding unauthorized hard inquiries on my credit report by Xactus and XXXX XXXX XXXX  XXXX, specifically through an individual named XXXX XXXX at XXXX XXXX XXXX  XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, access to a consumers credit report is restricted to permissible purposes and requires the consumers express written consent. I have never authorized Xactus  or XXXX XXXX XXXX  XXXX to access my credit report or conduct these hard inquiries. 

These repeated unauthorized inquiries are a direct violation of the FCRA, and they have negatively impacted my credit score and financial standing. I respectfully request the following actions : 1. An immediate cessation of any further unauthorized inquiries by Xactus and XXXX XXXX XXXX  XXXX. 
XXXX. The removal of all unauthorized hard inquiries from my credit report. 
XXXX. A thorough investigation into these actions and a written response detailing the steps taken to address this issue. 

I trust the CFPB will investigate this matter with urgency and ensure compliance with consumer protection laws. Thank you for your attention and for assisting in resolving this serious issue. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Called multiple times to dispute ID theft, credit card theft etc. Sent information to all credit card companies, tried calling multiple times, Over the past several years-nothing resolved or looked into ; I either had a person that was not able to speak English, transferred multiple times, Companies unwilling to look into theft, despite certified letters sent, surgeries I had that were requested, sent all information via mail, and again multiple phone calls. Told by representatives nothing could be done, including Bank Account at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and Bank of America. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ca XXXX XXXX Bank of America Corporate office XXXX XXXX XXXXXXXX XXXX never applied XXXX XXXX XXXX XXXX XXXX 
XXXX NC, XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX 2017 I went to XXXX XXXX 's website to apply for a XXXX XXXX  STORE Credit Card. 

I was directed to a application form used for BOTH the STORE Credit Card and XXXX Credit Card. 

While terms for both cards are shown, there is no indication on the page that I would not get to pick which card would be opened for me. My intention was to open a STORE credit card and not a XXXX credit card. 

Upon submitting the initial application web page a XXXX credit card was immediately opened in my name without being given the option to pick. 

I immediately called the company and requested the card be changed to a store credit card. They did so by closing the XXXX account and opening a new STORE account. 

In addition to this unwanted kind of credit being issued, this resulted in unnecessary account opens and closures on my credit history.
Product: Mortgage

I have had a HELOC with US Bank for 3+ years, during which time I have never paid late or had an issue. 

My previous debt with them was paid in-full shortly after opening the account. 

I drew on my account more recently, and found the process overly confusing and riddled with fees. 

A mistake in configuration of my bank accounts caused a payment ( on AutoPay ) to be returned.

Autopay functionality was removed from my account at that point. I can now only make manual payments using specific $ amounts ( no pay-in-full option ).

I tried to pay the amount in full a few times, but continued being hit with late fees for incorrectly calculating my outstanding balance.

Each time I carried a balance and missed a payment I was hit with a new Late Charge due to AutoPay being disabled. 

On XX/XX/XXXX I called US Bank for the last time to receive a Payoff Quote and pay my full balance. I was quoted {$500.00} and made an immediate payment in that amount to fulfill my debt. 

On XX/XX/XXXX I received a notice in the mail that my account was in Default. 

I logged in and saw that I'd continued receiving late charges of {$29.00} each for the months of XXXX & XXXX. 

When I called I was told that the amount that I paid was incorrect for the time ( true principal was ( {$510.00}, a difference of {$3.00} ) and that it would have been my responsibility to know this and pay this amount in full. 

I was also told that payoff quotes should not be given over the phone, and are only valid if received in writing within 15 days. I was not aware of this process or had any reason to believe it to be the case. 

I have attempted to dispute this claim for two reasons : 1 ) I paid the amount I was quoted by a US Bank representative, and therefore should have no further obligation to them.

2 ) If there was a question of a miscalculation, I would begrudgingly pay the difference ( {$3.00} ) but to hold me responsible for interest & fees on the difference feels exceptionally unfair. 

While my case is much less dire than what people truly struggling with their finances go through every day, to me it highlights how dishonest and consumer hostile these practices are, and how quickly someone could lose their entire house or belongings due to these deceptive practices. 

As of today, while my request is still pending review by US Bank, I requested a PayOff Quote through their system and paid the amount in-full online. I am hopeful that if my request is denied and I am offered no-further remediation from them, this PayOff will put me in good standing with them so that I can put the issue behind me, although I will not hold my breath that either will be successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX
Product: Money transfer, virtual currency, or money service

Got a notification indicating that my account was being logged into from a different IP. I froze the account and then contacted the Gemini Help Desk in order to get my account unfrozen. I've gotten some back and forth and followed through with all the steps they needed from me. My account is now both frozen and can't be logged into and I have gotten no updates/replies back from Gemini. This started XX/XX/2022.
Product: Student loan

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Product: Credit reporting or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. LEXISNEXIS clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy Filing No. XXXX If LEXISNEXIS can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

Hi, I have called equifax several times and I have also sent letters in to remove inquiries that don't belong to me and that aren't attached to an account. I was told that they are valid. I asked for proof and I never got it. I also sent in another several letters and asked if they would please explain how it is me and they don't have a signature. I was told to call the companies and the companies don't have any information. After continously going back and fourth I am now flustered as well as annoyed because they keep adding remarks of disputes that I asked them to remove and I also asked about the inquiries. I was told by the representative that they are removing the comments as well, of court to no avail. I also asked for proof of this bankruptcy and of course they said they gotten it from XXXX XXXX and I asked if they could provide proof of it and of course they didn't but it is still reporting.
Product: Money transfer, virtual currency, or money service

I paid for concert tickets via the XXXX app and was scammed. I never received my tickets and attempted to cancel my transaction through XXXX as well as through my bank, XXXX, but both have claimed they are unable to do anything at all. XXXX will not let me dispute the charge. XXXX claimed they could not stop the transaction even though I called immediately after making the transaction and before it has been posted. I also called XXXXXXXX XXXX, the bank which the scammer claimed he has an account with, in order to report someone using an account for fraudulent activity. I was told by XXXX that there is no avenue through which to report something like that. I have also submitted a police report through the Internet Crime Complaint Center.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA. the Credit reporting Agencies are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the Following items completely from my Crediet 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 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 XX/XX/XXXX XXXX If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX, XXXX XXXX etc reporting as a collection items. 

I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection account. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. 

Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX  to be updated and/or removed. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. 

I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 

Sincerely, XXXX XXXX
Product: Debt collection

Called to make my payment with XXXX XXXX in XXXX, TX on XX/XX/2018. They hung up on me multiple times and refused to accept my payment. Now they are attempting to repossess my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called, mail both with tracking and regular mail to all 3 credit buries to remove inaccurate personal information from my credit report.

Here is the USPS tracking XXXX, XXXX XXXX, XXXX, XXXX They have being unresponsive and I can't deal with them anymore and need your help to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I sent a validation letter to all three credit bureau 's. XXXX responded back stating this debt was not valid, and would be removed. I sent a follow suit letter to Experian, along with XXXX. They as well agreed that this debt was not valid. Upon recently checking my credit report, Both Experian and XXXX have NOT removed this debt off of my report.
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 systematic 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 credit 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: Credit card

My grandfather and I opened a credit card together when I turned XXXX XXXX XXXX in 2006, starting out in college. 

I charged gas, groceries, etc. onto the card and the credit card was paid, IN FULL, every month, by the due date, for 18 years. 

I worked up to a {$20000.00} credit line, which has a strong bearing on my credit score.

One day, my credit card stops working.

I had received no warning, no email, no text, no phone, no letter.

When I call PNC for an explanation, I am told that PNC " severed the relationship ''.

No reason, no warning. I was told I would receive a letter in the mail explaining why the relationship was severed.

I have no personal accounts at PNC Bank.

I finally received the letter and it said " unacceptable behavior on another PNC account ''.

I don't have another PNC account with PNC Bank? So this makes no sense.

My only conclusion is that they are referring to my grandfather, who helped me open the account but as far as I am aware, he is not the primary card holder, I am, and he doesn't put charges on the credit card nor pay the credit card, so it doesn't really make any sense.

I have asked for a more clear explanation and have never been given one. 

When I received my final statement, there was no check for my {$71.00} or more in cash rewards. When I called PNC Bank to ask if I would be receiving a check with my rewards, they said my rewards were forfeited when the card was closed. 

This is criminal as I, XXXX ) did not close the credit card, PNC did, without any warning or notice, only a vague letter sent weeks after the fact. 

2 ) I had no warning the card was going to be closed, if I did, then I would have used the rewards to pay the balance.

I called PNC Bank and please my case but they just hung up on me after putting me on hold for 30 mins and saying someone would call me back in two days. 

To add insult to injury, PNC Bank closed my grandfathers bank account of 65 years with no reason but at least with notice. He is XXXX XXXX XXXX, lost his wife in XXXX and now has to drive XXXX mins, each way, to go to the nearest bank. PNC Bank also forced my parents to close their accounts as well as 3 business accounts, once again, with no explanation but some notice of the closures.

Banks can not treat people like this! Especially, an XXXX XXXX XXXX widower who now has to drive XXXX hour in the snow to go to the nearest bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( 1 ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate
Product: Checking or savings account

In XX/XX/XXXX, Chime was offering a promotion of a {$400.00} welcome bonus for opening a checking account through XXXX ( the bonus was to be issued in XXXX rewards ). On XX/XX/XXXX, I applied for a checking account via the promotional link on XXXX using my computer. Toward the end of the application, I was prompted to submit a selfie holding my ID. Since my computer lacked a camera, I switched to a tablet to complete this step. My Chime account was approved the following day, XX/XX/XXXX. 
On XX/XX/XXXX, I contacted XXXX because the {$400.00} bonus had not been credited to my account. Their response was that, despite the XX/XX/XXXX click activity showing under the " visited '' stores section, there was no " conclusive tracking, '' which prevented them from issuing the rewards. 
On XX/XX/XXXX, I reached out to Chime to address the issue. After some investigation, a Chime representative informed me that my account appeared to have been opened " normally '' without any promotional offer attached. This was both surprising and frustrating. I suspect the issue stemmed from switching devices to submit my selfie, which may have disrupted the promotional link 's tracking. However, any technical issues on Chime 's side should not void the promised welcome bonus. 
Therefore, I respectfully request that the {$400.00} welcome bonus be credited to my account as originally promised.