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

I never consented to authorize nor benefited from all Inquires, Block and delete them. If I have received goods and services from the furnished Inquires, Let Equifax have one of their senior executive certify under the penalty of perjury that I did received good and service from those transactions.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX-XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Claim Number : XXXX Bank of America is intentionally filing my claims incorrectly to not have to credit me for fraudulent transactions. 

They are also reporting that I lost my card, which I did not ( I did not have my wallet on me at the time of reporting the fraud but it wasn't lost or stolen. ) Someone either took a picture of my card, or picked it up to make the fraudulent transaction and immediately placed it back down. 

I never order anything from the merchant in the dispute, they called me and asked me if I purchased the merchandise, I said no and they hung up ... oddly enough they never credit the money back to my bank. 

Bank of America was notified, and repeatedly reported the incorrect information several times in attempt to not approve the claim. The transaction was never verified by myself and I need my money back!
Product: Credit reporting or other personal consumer reports

Inquiry Type : Company : XXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company : XXXX XXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company : XXXX XXXX XXXXXXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company XXXX XXXX XXXX  XXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report
Product: Credit reporting or other personal consumer reports

The online attempt was to freeze my credit at Experion.com. 

You first have to set up an account, first giving your name, address, phone #, email address and SSN #, Birth date, password. You do this at XXXX XXXX XXXX XXXXexperian.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Then it sends you to a page where they advise you to either download an APP for your phone or click on QR-image. I clicked on the QR-Image, which loaded firefox browser and went to a false XXXX page, asking for your ccd info. Here they give you option to sing up for a music service. I did not click that option. Clicked continue. 
The continue bar just kept spinning for 15 minutes.

Within minutes, I got a fraud alert text from my credit union ... and the fraud alert team at credit union called, whereby I decline the charge, and the credit union locked my ccd. Now I must get a new card and update my automatic legitimate bills.

The fraud charge came from a company called caughtinbattle.us.

which according to a scam checking site, gives them a legit score of only 49.5 %.
Product: Consumer Loan

WELLS FARGO DEALER SERVICES FAILED TO REMOVE XXXX HARD INQUIRIES FROM MY XXXX CREDIT REPORTS.
Product: Mortgage

On XX/XX/19 I submitted information to Cascadeloans in regards to a pre-qualification letter for a mortgage. 
I was never contacted about the submission of information by Cascadeloans via phone or email. 
The next morning ( XX/XX/19 ), I observed a hard inquiry on my credit report by XXXX via XXXX XXXX XXXX XXXX XXXX, resulting in a XXXX XXXX decline. 
Cascadeloans has been unreachable after email & phone call attempts of contact. 
I DID NOT AUTHORIZE the hard inquiry of my XXXX XXXX by XXXX via Cascadeloans. 
I am requesting this hard inquiry to be removed from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX, I was XXXX with XXXX for a little over a month. I had no access to the internet, data, or my phone and was sedated most of the time. I was UNABLE to make my payment on their payment portal. Since then they have been reporting this late payment, even after numerous attempts and even proof sent to the company of my inability to make my payment due to reasons BEYOND MY CONTROL. For 2 years they have denied me a good faith deletion of the late payment on my account that has been open for over 3 years, it is THE ONLY late payment in the history of the entire account.
Product: Money transfer, virtual currency, or money service

I attempted to purchase a XXXX XXXX through XXXX. The knife in question was a XXXX XXXX XXXX and was being sold for {$200.00}. I sought to purchase it and sent the funds via XXXX as requested by the seller. The seller then blocked me. I contacted my financial institution about the fraud and they told me that I would have to go through XXXX. I contacted XXXX and they told me that I would have to go through my financial institution. For a timeline : Initially contacted the seller on XX/XX/2021. Sent funds XX/XX/2021. Showed accepted XX/XX/2021. Blocked by seller XX/XX/2021. Contacted financial institution for fraud on XX/XX/2021. Contacted XXXX on XX/XX/2021.
Product: Mortgage

On XX/XX/ their records indicate a payment of {$62.00} for Mortgage Insurance ( PMI ) for a due date of XX/XX/. In addition, on XX/XX/ their records indicate a payment of {$300.00} for Mortgage Insurance ( PMI ) for a due date of XX/XX/. The amount due on a monthly basis is {$300.00}. The {$62.00} payment amount should be refunded to my escrow account as an erroneous payment on their behalf. 

Please apply the over payment of {$62.00} to my escrow account ASAP.
Product: Vehicle loan or lease

One Main Financial Deceptive Sales Practices. When I tried to trade the car, it was not listed as a car loan.
Product: Debt collection

This company continues to call my personal cell phone and work at all hours of the day and night after being told multiple times to stop. Sometimes i will get XXXX XXXX calls a day between XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 listed below : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed : {$5100.00}
Product: Credit reporting, credit repair services, 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. XXXX ; - Account XXXX XXXX # XXXX - Account 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 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.
Product: Mortgage

We had a 30 year fixed mortgage through Bank of America since XXXX for our home. We recently sold our home which paid this mortgage off on XX/XX/XXXX. There is an escrow balance held by Bank of America in the amount of {$6100.00}. 

I have inquired to Bank of America Mortgage Services Customer Service on multiple accounts regarding the timely return and status updates of our escrow balance. I have called on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I was initially told that the escrow amount would take 20 business days from the time the loan was paid off to be returned. This would have given Bank of America a deadline of XX/XX/XXXX to return the escrow amount. I was told that the amount was sent out on XX/XX/XXXX. It was sent via USPS with non-trackable postage. I have not received this check as of XX/XX/XXXX. I was told that if I has not received the check by XX/XX/XXXX, a new check could be resent. 

When I called on XX/XX/XXXX, my concern was being elevated to a supervisor with my request that the funds be electronically ACH transferred to my checking. I requested a call from the supervisor. 

I believe my concerns have not been addressed by Bank of America. All I would like is my escrow balance of {$6100.00} be returned to us. There should be no reason why a large banking institution such as Bank of America take 20 business days to return funds rightfully owed to us as customers. I am concerned that Bank of America intentionally holds onto these funds for their own benefit of collecting interest investment income on this money. 

We need help. 

Thank you.
Product: Student loan

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Debt collection

I have been getting continuous calls from a XXXX party debt collections in regards to a XXXX account that was opened under my name in XXXX while I was in Texas. I have sent in the requested proof of residences and identification to them about a month or so ago. Calls stopped for about a week and then started back up. I have spoken with them again and they are now asking for a police report of the incident, I went to my local police department in Texas and they are telling me because of the time and situation i would have to file with the XXXX police department for that claim. I am not able to just fly over to XXXX to make a police report. So when I called back they said well we are out of options and transfer me to another person that tells me the same thing until I magically get disconnected. I then went and called XXXX and after hours of phone calls from them and finding out there are no local branches here in Texas they sent me here to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent three emails with no response on XX/XX/19, XX/XX/19 and XX/XX/19. Company reported information for employment back ground past states statute of limitations causing me hardship..
Product: Credit reporting or other personal consumer reports

The company has put a collection on my credit report that has ruined my ability to rent for the past 5 years. The balance is not valid and I have been disputing this balance for two years. I have emailed the company a list of items to mail me showing proof of ownership of this debt and they have not provided that. This collection item has caused emotion distress and I will be pursuing this in court if it is not resolved.
Product: Credit card or prepaid card

I did try to fix the problem with the credit card company which is Kohl 's. Didn't get any where with them, so I cut my credit card up and said I will pay a monthly amount with them, but I wanted my account closed. Someone called today, they said even through my account is closed they will still added on a monthly late fee of {$39.00} each month on my account, if there is a balance. To me, they shouldn't be able to charge that amount. I offered {$50.00} per month till the balance of {$310.00}, I was told they would still add on {$39.00} late fee each month. I ask, how am I going to ever pay their bill if they keep adding on {$39.00} each month????
Product: Credit reporting or other personal consumer reports

My account with CAPITAL ONE was never late! I have had exceptional payment history with CAPITAL ONE and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consume reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Debt collection

On XX/XX/XXXX, I docusigned a White Label Agreement, with XXXX XXXX, XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), to market a financial literacy program to small businesses and refer clients to the " Access to Capital Program '' on a fee split basis. XXXX XXXX marketed this program as being " No Cost ''. On XX/XX/XXXX I received an email from XXXX XXXX titled " Mid Month Update '', stating that I had provide atleast ( 2 ) clients to hit my performance goals, to aviod having to pay a {$10000.00} non-refundable deposit. It was discussed that as a White Label Partner I was in complete control and could offer the program for free, or for a cost, which was to be shared with XXXX  on a XX/XX/XXXX split. Prior to docusigning the " White Label '' agreement, I had a conversation with their XXXX, XXXX XXXX, who again, advised me that there was not cost. I received the agreement and signed it. On XX/XX/XXXX, I advised XXXX XXXX of my intention to no longer affiliate with he or his company as his practices were fraudulant and deceptive and that I was assured by his Chief Marketing Officer, that there were not costs involved. XXXX has sent this matter to a paralegal firm who had repeatedly emailed me invoices for {$10000.00} each month. Also on XX/XX/XXXX, I received an email containing a XXXX XXXX, TX news article dated XX/XX/XXXX, which stated XXXX XXXX had been arrested by Texas XXXX and his business was being investigated. The article cited a woman from New York, who had also filed a complaint with the XXXX  alleging XXXX XXXX prays on minority businesses and scammed her out of {$3400.00}. Also see XXXX Report. I believe XXXX XXXX to be a financial predator, who preys upon minorities and minority owned businesess. I can provide copies of all documentation. I have also reported this matter to the Attorney General 's Ofice as well and can provide case information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXXXXXX XXXX XXXX ) and Account # 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: Debt collection

Unsolicited credit card was sent to me in XXXX of XXXX from XXXX with my name on it. I called XXXX and told them it was not mine and I never applied for it. I told them to cancel it. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX saying a debt from that card was referred to them in the amount of {$2200.00}. I called them and talked to a XXXX XXXX. He gave me a SS # that was not mine and I told him the last 4 digits of mine. I sent them a letter disavowing that this was my debt. 

I contacted XXXX  credit bureau because I checked my credit report and it showed up there. They did an investigation and deleted it from my credit report. 

On XX/XX/XXXX I received a letter from XXXX XXXX saying they did an investigation and said I owed the previous amount. They then sent me another letter on XX/XX/XXXX because I had moved. I talked to a person named XXXX. Again we went over the SS # that they had and again it was not mine. I faxed her information that would verify that I was who she was talking to. Again I sent them a letter disavowing the debt and told them about XXXX investigating my complaint. 

On XX/XX/XXXX I received a letter from XXXX XXXX, again saying I owed the same debt and offered to settle for {$1100.00}. Again I sent them a letter disavowing the debt. 

On XX/XX/XXXX I received a letter from Radius Global Solutions LLC saying the referenced account was placed with them for collection. Again I have sent them a letter disavowing the debt. 

At this time I now think that this is harassment and would like it to stop. I have a very good credit rating. I recently bought a condo and my credit score was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified inquiries without providing any proof required by law. 

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXXXXXX XX/XX/2021
Product: Credit card

Verizon Visa credit card offers rewards that can only be used for their products and once you close a cellular or Internet service account you can no longer log into their site to use those rewards. 
They do not offer a cash out for leftover rewards. 
They claim once you close an account you no longer accrue rewards and can just use the card " normally '' ; however, is been 2 years since we closed our account and on the few times I've accidentally used the card I've accrued points I can't use. 
I have {$48.00} in rewards sitting in limbo. Can't cash out, can't log into their site ( my account or phone number can't be found ), and the customer service phone number won't go any further unless you have an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX different accounts reporting to my credit reports. XXXX XXXX for {$12000.00}, and XXXX XXXX for {$16000.00}. XXXXXXXX XXXX for {$57000.00}. And XXXX XXXX acceptance for {$12000.00}. These are not my accounts. They were opened Fraudulently.