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

I received notification that my credit was pulled by Barclays Bank of Delaware. This was a hard inquiry that was completed on XX/XX/year>. I did not apply for or inquire about any financial products. I was not even in the country. I was in the XXXX XXXX to celebrate my wife 's birthday. I have called them 4 times now and I have just continually been bounced around from Customer Service to the " Security Department ''. Customer Service tells me that I need to speak with the " Security Department '' and the " Security Department '' can not figure out what an inquiry even is. I am not sure what the issue is as to why they can not tell me why there is an inquiry but I am a fanatic about my credit and I know that I did not authorize it. I want the inquiry removed. I really don't have the time to waste trying to explain to each person that answers the phone what a credit inquiry is. That in and of itself is a scary situation. As always, I am hopeful that it is not fraud related. The only useful piece of information Barclays provided was that there were no applications made with my information. My question becomes why the credit inquiry then? It should not be this difficult to obtain the information on how the inquiry came about. I also contacted XXXX where the inquiry is showing up and they are saying I need to get a letter from Barclays and then send it to XXXX by snail mail along with my own letter. This was all done unbeknownst to me, not sure why I am being made to jump through hoops for an illegal action by a financial institution ( Barclays ) against me. Please do what you can to get them to investigate this problem in the correct manner. 

Thank you.
Product: Debt collection

When reviewing my credit report, I found several accounts listed in my name that do not belong to me. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

AFFIDAVITS OF LAW 1. Are you the original creditor
?

2. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA, FDCP and FDCPA laws?

5. Have you reported to the consumer who has reviewed the original contract information with his/her original signature?

6. Have you provided the names of all creditors that have provided the names and addresses of the person who has reviewed consumer relations? 

Accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX If the above has not been completed, please Delete these accounts and hard inquiries from my credit report and stop all contact with me. Under the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your company management. I also have the right to file suit against you for any future violations of this law. 

I have filed an FTC Report and attached a Police report.
Product: Credit reporting or other personal consumer reports

These inquiries were added to my account without my consent. I mailed the credit reporting companies and have yet to receive a response and its be 40 days as of today. 

XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On approximately XX/XX/year>, I deposited a total of XXXX checks with USAA FSB. USAA does not have any local branches where I live and the only means of banking I can do with them is via their mobile application. I've been a customer with USAA for over XXXX  years and have never had any issues using the mobile application or completing necessary banking transactions like depositing checks. The amounts of the checks differed, with XXXX being a union payroll check for {$150.00}, a class action settlement check for {$10.00}, and a financial aid check for {$5300.00}. I deposited all three, following USAA 's instructions and adding required notation on the back of each check. Once completed, I was notified that the financial aid check 's total amount would not be immediately available, with a little less than half being held while the check cleared. As stated previously, USAA has no local branch in my state and as they are my primary banking institution, I have no immediate course of action to remedy if something doesn't work out. In addition, this is not the first financial aid check I've deposited with USAA from the same educational institution. This is, however, the first time a deposit failed to post. I discovered on XX/XX/year> that the union payroll check and financial aid checks were both rejected by USAA. No reason was given for why the checks were rejected and USAA stated that we ( my wife and I ) were fully responsible for any fees associated with the rejected checks. Further, USAA stated that any hazard or liability born by using their mobile deposit system rested solely on us, the end user.
Product: Credit reporting or other personal consumer reports

Experian told cfpb that the information was removed from my recored or they did not see it on my report which they knew lying on my report will caused financial harm and risk. I. contacted Experian call many time starting from XX/XX/XXXX police report and ftc Experian never did the proper investigation mind you I was not notify that they added account back to my account saying the company notify them to put it back on as of today XX/XX/XXXX XXXX I XXXX XXXX XXXX my own investagation that XXXX ignoring the fcra rules to investigate before adding in formation to my account same thing with XXXX XXXX they refused to open and verify debt I do not owe as well as me being a victim of Id theft these company also sold and buy back they debt from creditors I show experian also they had it on the report as will. I need a full invesagtion on experain for breaking laws and refusing to clean or removed debt that was do to id theft off my report I also paid for the experian credit work which they suppose help and pay up to a XXXX dallors of damages as a promotion they have to for victims was a tatic to get me to sign up. cfpb also have complaint for my reports for them company. removing addresses they refuse me saying it my address .also saying they deleted or remove some account which they did not ... .see Attachments.Im also file a lawsuit. how they also sharing information to another company. clarity by XXXX  giving no chance on tryin to reslove the matter giving out my id addresses and income my banking information it gone to far along with XXXX XXXX XXXX XXXX giving misleading information to company im getting denied .under 15 usc 1681 i and down my rights had been violated.15 usc 1611 ( B ) prescribe regulations requiring each financial institution and each creditor to establish reasonable policies and procedures for implementing the guidelines established pursuant to subparagraph ( A ), to identify possible risks to account holders or customers or to the safety and soundness of the institution or customers ; iii ) uses other means of assessing the validity of the change of address, in accordance with reasonable policies and procedures established by the card issuer in accordance with the regulations prescribed under subparagraph ( B ) ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. 

( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate late payment remarks that continue to appear on my credit report. Despite previous disputes and the account being verified and updated, the errors remain unresolved. The presence of these inaccurate late payment remarks is negatively affecting my creditworthiness. 

This ongoing error needs to be corrected immediately to reflect the accurate payment history. As mandated by the Fair Credit Reporting Act, it is your responsibility to ensure that all information reported is accurate.
Product: Mortgage

Carrington Mortgage is reporting a mortgage the that we have paid on-time for 11 years as closed and part of our bankruptcy. This mortgage was NOT part of our bankruptcy plan. It was paid outside the plan, by us, directly to Carrington exactly as our bk plan clearly states. None of the Carrington debt was discharged, but they are reporting that it was.The bk is also discharged now so even if the status changed DURING the bankruptcy, it should be corrected now that the case is discharged. ( This was the case with my student loan. It was listed as closed then within 30 days of discharged, it changed to Open and Active. ) I 've disputed this issue will all XXXX bureaus XXXX, but Carrington keeps saying that it 's reporting correctly. I 've called Carrington at least XXXX times, but no XXXX can help. I found a number for their Research Department and Customer Advocate info online so I sent them both a fax describing the issue. ( They ca n't be reached by phone. ) This error is seriously impacting our credit score and costing us an extra 2 % on a new mortgage that we are taking out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  granted me a forbearance on my mortgage and credit card, XX/XX/XXXX through XX/XX/XXXX. Unlike the agreement I understood when I applied for this forbearance, They are reporting to the credit agencies. My credit report shows increased balances on both my mortgage and a credit card ( s )  including my other accounts with other lenders. My FICO score has been reduced because of this. Not only has my work stopped because of this government nightmare Covid 19, but my credit score that I have worked so hard to build is hitting the bricks. The credit bureaus should not be allowed to record any increase in balances! This is true for my credit cards at XXXX XXXX, XXXX XXXX ( where I am also in the process of receiving a refinancing of my mortgage ), Capital one Credit card, XXXX 's. Please tell me who else I can write to and if there is a class action suit in process that I can join? Big banks have no right to manipulate with the credit status of individuals who are affected by a global pandemic. Who is in charge of this regulation on a Federal level? Please send me the name of the agency, and email address I can write to to file this complaint in addition to you. Thank you.
Product: Credit reporting

I requested a XXXX XXXX XXXX XXXX Credit Card and was denied twice. First based on report from XXXX XXXX ; reason " Insufficient Credit History ''. Resubmitted and received report from Experian ; Reason " Unable to Verify Identifying Information ''. Credit score XXXX out of XXXX. XXXX See attachments )
Product: Credit card

I charged about {$8900.00} to my Chase acct last summer to pay for a months rent in a XXXX XXXX, FL condo for XXXX. XXXX XXXX and that condo were wiped out by a hurricane. XXXX refunded my money back to my Chase credit card. All outstanding debts were paid by XX/XX/XXXX, leaving a credit of {$8200.00}. When I soon after attempted to retrieve that money and close the acct ( still open until this is resolved ), Chase promised my a check in the mail within 7-10 days. It never came. After 14 days, I returned to the bank and asked for my money. They said they couldnt give it to me and higher ups for have to investigate. Its a stall tactic. The local bank tried to get an overnight check mailed to me, but higher ups would not provide a tracking number..failed again. The locals totally get it. Ive waited now over three weeks for my money and still dont have it. Am feeling robbed, exploitedas a XXXX XXXX XXXX woman. No one should have to go through this to get money that is theirs in a local acct. Pls help.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submitted a prior report concerning Equifax taking 60 days to complete an investigation. The first representative failed to include my statement correctly in the investigation however, equifax solution was to reinvestigate correctly and for me to allow another 30 days to complete another one allowing a total of 60 days. The FAIR DEBT COLLECTION ACT only allows 30 days for investigations. When a complate was done with CFPB and submitted to Equifax a return answer was given that stated XXXX could not respond due to an unauthorized third party. This response is returned to CFPB as a means for Equifax to gain more time to complete its investigation. There is NOT however any third party related to the complaint. If there is a third party stated on their behalf it was not mentioned in the response and thats why Equifax return answer is bogus. I demand for my credit report to be clear of all incorrect infomation originally disputed as the time has expired for the investigation.
Product: Debt collection

Moved in XXXX XXXX XXXX on XX/XX/XXXX thru XX/XX/XXXX apartment manager XXXX XXXX was taking unauthorized charges for rent, rent that was calculated according to my affordability, by XXXX XXXX XXXX when there is a change to my income rent is suppose to change as well., month of XX/XX/XXXX my income changed to less rent should of been less also by law, apt manager never changed my rent to lower i brought this to her attention i recieved letter from HA that my income is less my rent will be less, apt manager recieved the letter she never changed it to lower she kept taking the same amount of rent I stated to her that she was suppose to change the rent amount to lower my bank statements show the same rent taking out she did not want to change she was suppose to by Law! she ended up taking more than she legally was suppose to, I moved XX/XX/XXXX she didn't do a vacate inspection i requested one she said take pitcures and send them to her. I did. upon move out apt manager stated to me acording to her ledger I don't owe anything, I gave apt manager my forwarding address to send my security depost. XX/XX/XXXX I received a collection for a debt that was totally false from collection agency National collection agency I requested a valid list of the debt they sent me 3 different ones with the same words but different amounts. I believe she is retaliating against me for calling Code Enforcement for the infestation of cochroaches, collection agency sent me a bogus debt amount on XX/XX/XXXX for {$920.00} for damages i believe its her wear and tear she want me to pay for she kept my {$700.00} deposit {$1400.00} overcharges unauthorized rent. she owes me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to credit bureaus starting in XX/XX/2021. I have some incorrect information on my credit file, and that negative information is causing a bad impact on my credit file. According to the Metro 2 system everything that is reporting on your account should be a 100 % accurate. The bureaus have copy of the letters that I have sent in.I need those investigated properly. I want to see the original documents supporting their claim.
Product: Checking or savings account

I use XXXX XXXX XXXX. I was on XXXX and was looking at a business page to purchase a XXXX. I was told zelle was the best way to pay. I paid {$1800.00} on XX/XX/ and got scammed. He blocked me after I paid. Zelle knows where the money went and All of the banks own it. I don't understand why they allow this to happen with no protection to the consumers. It was a fake page with a fake name, but when I put the email from zelle in XXXX XXXX his real name came up. Nothing has been done to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX  XXXX Balance : {$490.00}
Product: Credit reporting or other personal consumer reports

Experian, TransUnion, And Equifax has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) To conduct a reasonable reinvestigation of disputed information credit reporting, leaving in accurate or unveriable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, Transunion, and Equifax, 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 Experia, Transunion, and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. T am requesting corrective action for remove or amend the disputed accounts, as Experian, Transunion, and Equifax in action violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed certified letters to Equifax, XXXX and XXXX informing them that incorrect information existed on my report pertaining to unauthorized inquiries. I attempted to contact the companies directly however to no avail. I also reached out to the credit bureaus individually, on XX/XX/2023 informing them that certified letters demanding prompt deletion of these inquiries, as required by federal Statute 604 under the Fair Credit Reporting Act, had been mailed. All three bureaus refused to adhere to the law and refused to do all that they could in that moment, to protect me, the consumer, my rights and privacy.
Product: Bank account or service

I had a rental car stolen from me XX/XX/2015. I got the car back for the company XXXX XXXX XXXX in 10 days and negotiated a payment of {$530.00} which they accepted and then turned around and forced a {$3000.00} charge through my bank ( JP Morgan Chase ) which allowed them to do so without even hearing both sides or accepting the facts on the fabricated invoice that XXXX submitted. Chase then took my entire social security check for 5 months and bounced all my auto-pays and payments I made while I fought them and got provisional credit during the dispute. They would then turn around and return those payments and charge me for them. They had even told me ( several customer service agents and supervisors ) that it was illegal for the bank to take my entire social security benefits but then they would do it again. I lost my home after 17 years, my storage units, everything I had and had worked for. Finally I lost my dogs this year because I had no place to live and my outstanding credit score I had last year was shot from over XXXX to below XXXX because of their actions. In an " attempt '' to negotiate the dispute the bank called XXXX with me on the line but the service rep did n't want to wait on hold for 20 minutes we were put on hold, said she 'd be back on the line and never came back on leaving me to dispute the matter with XXXX myself. I had full auto coverage on my private policy with XXXX XXXX at the time and had also purchased the smallest policy for incidentals with XXXX at the time of the rental and neither the bank or XXXX took that into consideration nor submitted claims.
Product: Mortgage

United Wholesale Mortgage ( UWM ) refuses to give me documentation on a refinance loan that was done around XX/XX/2012. After my divorce ( with the divorce decree specifically stating that my ex retains the homes and all financial encumberances ), and the quit claim deed, UWM still refuses to take me off the loan. 
I understand that my ex-husband is in contempt of court by not assuming the loan or refinancing. 
That said, UWM modified the loan without my knowledge or consent ( taking my income into account, I 'm told ), which is FRAUD. They also refuse to give me any documentation on a loan that I 'm still responsible for! I have a legal right to this information. I do n't care if they do n't like me or think that I 'm the one to blame for the missed payments ( P.S. I 'm not. I transferred money into my ex-husband 's account each month for the mortgage until I left. I paid for all of it. Now that I 'm not around, it does n't surprise me that he 's having trouble. ) Anyhow, I have a RIGHT to this information. I am XXXX % co-borrower on this loan. I have a right to all documentation regarding the loan. I also have a right to know about any changes ( like modifications ). All I asked is that they remove the notations about foreclosure from my credit ( XXXX, XXXX, XXXX ), and I would n't pursue charges. But it looks like that 's not going to happen now. 

What they 're doing is illegal. The fact that they wo n't communicate with me about a loan which I 'm XXXX % responsible for is illegal. Doing a modification without my consent or knowledge, is illegal.
Product: Vehicle loan or lease

The XXXX XXXX XXXX was repossessed in XX/XX/XXXX I called the number I was given to the towing company to collect my belongings I called the companies 4 times no response. I left messages. I called XXXX again I left messages no response. I was told I had 30 days. Its now 6 months my XXXX XXXX was in that vehicle. I called every month no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I request them to remove all these items before I continue to take further action, i have already filed with the FTC and police reports. 

Transunion Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquiries on my report I did not authorize or pursue. Please have them remove.