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

XXXX credit card and bank opened a credit card under my name and info. It has shown up on all three credit report bureaus. Contacting XXXX XXXX XXXX XXXX XXXX  would not help with the fraud. Credit card from XXXX was opened XX/XX/2022. Showed up on credit reports XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that 3 Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Checking or savings account

I opened a savings account to Goldman Sachs on XX/XX/2020. I made a deposit to their bank and ever since I've had issues logging in and accessing my funds. I tried calling and follow their directions in what to do and yet I'm still locked out. I deposited XXXX dollars and to my dismay they make it hard to access that money. Its not about the amount but the principality of allowing costumers their entitled money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and my personal information was also compromised in the EQUIFAX Data Breach. I am attaching supporting documentation on the fraudulent accounts that are appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attached payments from my bank account they took out 3 payments in XXXX. How did I get reported 30 days with 3 payments missing out my account.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite have sufficient funds when transactions were authorized. I was charged fees due to lagged aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Consumer Loan

I took money out of my equity line of credit at 3.25 %. Then after my withdrawal period end date, the interest shot up to 7 %. I was never notified that that would happen when I signed the contract for it. It was in the contract that it the interest rate could increase up to 18 % but as a first time consumer of this product, that is an important point to be up front about. The product was from Washington Mutual which Chase bought out. Chase did not inform their personnel of this particular loan. 
I then informed the bank manager of what happened to me. She could not go back to the personnel who helped me to see what happened from her side. I asked her to inform all the personnel in the bank about my situation so that it would not happen to anybody else. 
I then informed my dad about his equity line of credit similar to mine. He went to the bank and got even a better rate of 2.74, very enticing. We went to the bank together and the personnel did not know about the hike in interest rate after the withdrawal period. She suggested that we lock in the rate but did not know the lock in rate. My dad believed that he was getting the 2.74 % rate throughout the loan period. I had to insist calling the loan center to get the right information. Like me he was misled.
Product: Checking or savings account

I am writing to file a complaint regarding the recent freezing and subsequent closure of my savings account by Chase Bank. On XX/XX/year>, I deposited a significant amount of cash into my account to fulfill a requirement for securing a new apartment, as the landlord required proof of funds. The funds were borrowed from a friend and needed to be returned. 

Shortly after the deposit, my account was frozen, and I received a notification that the account would be closed. Despite multiple attempts to resolve the situation with Chase customer service, I was informed that the account closure decision was final and that a check for the remaining balance would be mailed to me within ten days. However, I am aware from various online forums and reports that some customers have experienced delays of up to a year in receiving their funds under similar circumstances. 

This situation has caused significant financial hardship, as the funds in this account constitute all my savings. I urgently need these funds for essential living expenses and to secure my housing. I request the CFPB 's assistance in ensuring that Chase either reactivate my account, or processes the closure and sends the check without undue delay, and that they provide a clear explanation for the actions taken on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from identity XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXXXXXX XXXX {$540.00} XXXX   XXXX {$500.00} XXXXXXXX XXXX XXXXXXXX {$900.00} XXXX   XXXX {$490.00} XXXX XXXX {$150.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I was beginning to look for a new car as my lease was coming to an end. I went to XXXX XXXX in XXXX massachusetts to see about Mabye leasing a XXXX, this was on XX/XX/XXXX. I spoke to the sales person to see what they may be able to do. At no point did I give them my social or permission. To run my credit I didnt even have my drivers license with me. I left to look at another places and was to speak with them on that following Monday if I was interested in a XXXX. My husband and I left the dealer shop and got about a mile down the road when XXXX XXXX alerted me that I had a new hard inquiry and that it was from Chrysler. I contacted the dealership corresponding with the general manager who assured me that they hadnt dont any hard inquiry. I assured them that at no point did I given them permission or ask for this to be done and that I was very upset. I would like to find out how this happened and have it rectified. I did not of course deal with them again. I leased a new XXXX  on the XXXX from XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXXXXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per 15 USC 16c-2, I have found erroneous information on my credit report, which is damaging my creditworthiness. Since I did not authorize these hard inquiries,
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or XXXX  XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Debt collection

They called my home phone ( calling from XXXX ) stating that were calling on for XXXX ( which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... and I do n't even know where that is ) and that they were MACS regarding a 'check protects claim. ' If I did n't handle this immediately, that it would affect my bank and banking. I was instructed to call XXXX. I work in credit and collections and would NEVER consider this a valid claim as I have NEVER received any physical correspondence relative to any debt due and owing a hospital or otherwise. 
I used XXXX and called back XXXX and got a strange tape recorded message stating that the number was n't in service. I then called XXXX and when I asked them what the call was about and mentioned the FDCPA, they guy on the other end stated, " He did n't care about whatever the FDCPA-was I was talking about. " I work in credit and collections and strongly view this manner of debt collection as improper and negligent, not to mention downright unlawful.
Product: Credit card or prepaid card

Best Buy would not honor an advertised XXXX promotional discount that was offered on the XXXX dishwasher I purchased. 

I was charged {$140.00} for an installation fee on a dishwasher that was advertised as free installation. On top of being charged for a fee that was advertised as as a free installation, the dishwasher purchased was defective. This resulted in the dishwasher needing to be replaced -- and I was charged a second installation fee! 

Best Buy in no way honored the advertised XXXX promotion, and on top of that charged me to replace a defective dishwasher that they sold me. So I have paid a total of {$300.00} for an installation fee for a dishwasher that was advertised as free. 

My attempts to resolve this with Best Buy support have been unsuccessful. The first time, they closed my dispute with no notice or even input from me. Then when I got them to reopen my support inquiry, they threatened me saying that the only way this issue could be resolved was thru the legal system. They are requesting that I track down and send them store promotional adverts to prove that was the offer. They did not even make an attempt to verify this within their own stores, which can clearly be documented with the time stamps of my purchase and their in-store promotions for the store. 

TImeline : XXXX '' Front Control dishwasher purchased XX/XX/XXXX SKU XXXX with promotion of free installation Item defective Exchanged by BB on XX/XX/XXXX - 2nd XXXX with no hot water hookup. XX/XX/XXXX Management offered to replace with in stock XXXX SKU XXXX. Because the XXXX retail was several XXXX  $ higher, they offered to decrease the cost by {$200.00}. However, they charged {$140.00} to install. 

Dispute initiated by me XX/XX/XXXX - XX/XX/XXXX Citi bank electronic " since you have excepted the {$520.00} transaction, we have closed our investigation. 

XX/XX/XXXX I disputed the replacement for the defective dishwasher and the 2nd {$140.00} charge. Citi bank re-opened. XX/XX/XXXX action requested from Citi bank. I called the number provided and an account specialist, XXXX told me that I received a {$200.00} credit on the XXXX. I explain the credit was because management offered to replace with an in stock dishwasher that was {$200.00} than what I purchased. I was billed a 2nd {$140.00} to have it installed. 

XX/XX/XXXX Citi 's specialist, XXXX informed me that this is a legal claim and I must provide them with documentation to support my claim that the XXXX had a promotion of free install. 
I asked them to review XXXX XXXX promotions at the time of purchase to support my claim. XXXX declined and again, put the burden of proof on me to present them with documentation.
Product: Credit card or prepaid card

I had charges of {$2000.00} from XXXX in XXXX on my credit card to which I was not there to recieve services for. I provided Amex copies of documentation reflecting this. I have filed 9 disputes, and spoken with XXXX XXXX from the office of the president, my attorney did research to assist me since amex said there is nothing they can do, it is quite clear they can however they have made so many variables of unwillingness to do anything. My attorney reviewed the documentation supplied by Amex, and they are not being accountable to there cardholder under FCRA fair credit reporting and dispute act which says i am only legally responsible for 50 dollars once a credit card is disputed as fraud which I opened a new account nunber in lieu of charges made while I was not on the boat. Amex has been very laxed in making things right.
Product: Checking or savings account

Chime states they have identified a high risk activity on my account, and was asked to provide ownership. Originally chime told me I needed to verify unemployment PUA, which I did. After that I was told I have to show proof of documentation- so I did- I have provided owner ship of every single card, every single bank. I've provided proof that my account was given money to form the XXXX XXXX XXXX  XXXX XXXX for an amount of over XXXX around XX/XX/XXXX. I also told chime and showed chime the invoiced from my school. They money in that account is loan money and government money- all of which I have to pay back. I am reaching out in regards to having the money that was left in the account, refunded back to me. I have proof for everything. 

For the card ending in XXXX I explained that I logged into chime one day and saw my address was modified to a different address outside of my own. I also noted that there was NO MONEY taken out of my account and that there was NO MONEY added into my account except the money I used from the XXXX tuition reimbursement. A lot of money was moved out and in between accounts using either XXXX XXXX or XXXX XXXX- it's my money I should not have to explain why I moved XXXX out of 1 bank out it's a no brainer. Below is the image of EVERYTHING, from unemployment all the way to my receipts. 

This is super frustrating. I'm just a XXXX  and this has affected my life in a negative emotional way. XXXX  and XXXX  as this money is used to pay for my classes and even rent, something of which I can not due and must wait an extra year now to graduate. I do want to get an lawyer involved. I've been on the phone with chime for weeks now and nothing has changed! ( XX/XX/XXXX ) To this day, Friday XX/XX/XXXX, I am still dealing with this situation
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Request for Removal of Unauthorized or Inaccurate Credit Inquiries Dear Equifax, I am writing to formally dispute several inquiries listed on my Equifax credit report. Upon reviewing my report, I identified inquiries that I did not authorize, which are adversely affecting my credit score and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any unauthorized or inaccurate information on my credit file. 

Disputed Inquiries Below are the inquiries that I request be investigated and removed from my credit report if they can not be verified as authorized : XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX Reported XX/XX/XXXXXXXX XXXX XXXXXXXX Reported XX/XX/XXXX, XX/XX/XXXXXXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX Basis for Dispute I did not provide explicit, written authorization for these entities to access my credit report. 
Inquiries related to promotional or account reviews should not appear as hard inquiries. 
The presence of these inquiries is both inaccurate and harmful to my credit profile. 
Action Requested : I request that Equifax : Conduct an investigation to verify the legitimacy of the above-listed inquiries. 
Provide documented proof of my authorization for each inquiry. 
Remove any inquiries that can not be validated or were made without proper authorization. 

Supporting Documentation Enclosed : A copy of my government-issued ID for verification. 
A utility bill to confirm my address. 

Highlighted copies of my credit report showing the disputed inquiries. 
Please complete your investigation within the 30-day period stipulated by the FCRA and provide me with a written response detailing your findings. If these inquiries are not removed, I request an explanation of your determination, including the contact details of the data furnishers who validated these inquiries. 

If this matter is not resolved promptly, I will have no choice but to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and pursue all other legal remedies available. 

Thank you for your prompt attention to this matter. I look forward to a resolution soon.
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed Immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Im a XXXX for the XXXX XXXX XXXXXXXX, due to covd19, I called Mr.Cooper to get assistance with my monthly payments. Mr.Cooper gave me an extension on the covd19 payment protection plan until XX/XX/23, they also advise me that I will have 3 options to choose from, when I get ready to resume making my payments, which was to reinstate, extend my past due payments to the end of my loan, or apply for mortgage assistance. I called Mr. Cooper around XX/XX/23 to resume making my payments, and they inform me that the option to extend payments to the end of my loan, was stopped by VA without giving me any notification, so they were going to review me for a disaster modification, it took Mr. Cooper 2 months to tell me I was decline for a disaster modification. I immediately called VA on XX/XX/23, and they inform me that VA still offer extending payments to the end of the loan and that Mr. Cooper can offer me a REFUND MODIFICATION, VA inform me that Mr. Cooper does not want to participate in this program to help homeowners. Why would Mr.Cooper lie to consumers about VA not wanting to help homeowners during this pandemic, with their decision not to extend my payments, I have a balance due of {$25000.00}. I would have never ask to pause my payments with Mr.Cooper, if they are not going to honor the XXXX options given to me when I notified the servicer that I was impacted, I was also current on mortgage and have never missed a payment before I went into an agreement to pause my payments. I thought that this program was passed by the Cares Act to help homeowners during this challenging times, and not put consumers in Foreclosure. The last conversation that I had with Mr.Cooper is to submit another application to be reviewed for a traditional modification with documents, which everyone that will not help me, so now my credit has been impacted and I have a {$250000.00} past due mortgage, all because Mr. Cooper lied about me having the option to extend my payments. Please help me, I don't want to loose my home.