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

I just look at my credit report with Equifax on XX/XX/XXXX. I identified some hard inquires that did not have permissible purpose according to the Fair Credit Reporting Act. Anything furnished on my consumer report must permissible purpose according to15 USC 1681b. I have also attached evidence. 

XXXX. [ XXXX XXXX XXXX XXXX, XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. [ XXXX XXXX XXXX XXXX, XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. [ XXXX XXXX XXXX, XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. [ XXXXXXXX XXXX XXXX XXXX  XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is damaging my creditworthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy have been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishing peoples information to 3rd party companies, so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent XXXX account appearing on my Experian credit report. I have previously had this fraudulent account removed with XXXX, at the current time I currently am a XXXX customer with the active account. This account is from XXXX for {$1800.00} and the original amount was {$1500.00}. They have the date open as XX/XX/XXXX and the account was fraudulent open in XX/XX/XXXX. I didnt give anyone permission to open this account and the address listed was incorrect and fraudulent as well. 

XXXX XXXX XXXX is housing a fraudulent account, which is affecting my personal credit, also affecting my business affairs. Attached is XXXX affidavit, proof of original police report in XXXX and FTC report. 

XXXX XXXX XXXX {$1800.00} XXXX
Product: Checking or savings account

First of all I been banking with chase for over XXXX XXXX  and never had an issue I lost my wallet in XXXX and charges were made to my account that were authorized. I later found my card at home but my wallet was still missing I sent documents giving my location and time during the time of the transactions and still my information was denied. I told them my card was probably duplicated or information got taken from me. Also through the whole process has been very stressful as iam unable to fully get any help.. Iam currently waiting for the status of a police report.the uploads are pictures of me at work the same day those transactions took place .. its impossible to be at two places at once I was at work at the time and they still refuse to believe me.
Product: Credit card or prepaid card

I made a balance transfer on my Capital One venture credit card at 0 % interest in XX/XX/XXXX. It was for 12 months. The transfer was made and my other balance was paid off. Each month I would get a statement with my existing balance. Unlike other credit card companies that I've done balance transfers with, Capital one does not show the consumer the expiration date of the balance transfer. They also do not show the the length of time the balance transfer is for when the initial balance transfer amount is first listed on your statement, During the course of the year I've made my payments, but did not pay off the whole balance off. I forgot when I initially made the first transfer and thought, capital one would inform their consumers of when the expiration date of the transfer was approaching to avoid paying the much higher interest on the remainder of the balance. I called Capital one customer service who told me my transfer did expire in XXXX of XXXX. I told him I was dissatisfied and they should keep consumers aware on their statements to avoid paying higher fees. They told me they don't list that info on their statements. It think this is a deceptive practice, and a change should be made. All other credit card companies, make this clear on their monthly statements.
Product: Credit reporting

In XX/XX/XXXX, I defaulted on XXXX properties in Arizona. The mortgage on XXXX was held by XXXX XXXX. They foreclosed, sold the property at auction, and closed the loan. The loan shows as foreclosed and closed on my credit report, balance due XXXX. All good. 

The XXXX property, my primary residence, mortgage was initiated by XXXX XXXX and is now held by XXXX Bank. They foreclosed and sold the property at auction for {$330000.00} on XXXX. 

However, the loan still shows active on my credit report, for the entire original balance of {$510000.00}. The report shows a $ XXXX monthly payment due, XXXX years in arrears. Additionally, I still get collections calls and letters. It is my understanding that XXXX Bank has no legal right to do this.
Product: Credit card

I was a victim of identity theft. Someone tried to apply for an Capital One card in my name. When I noticed the inquiry on my credit file I notified Capital One thru certified mail of this discrepancy. They ignored my request. It has been over XXXX days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Capital One.
Product: Debt collection

I recently was made aware that a new collection item appeared on my credit file. Upon reviewing the information I was able to verify that this does not belong to me. I have never received treatment for any medical procedures and I do not owe any medical bills as I have health insurance. I have contacted this company and requested a copy of the original bill. The company failed to provide me. I have disputed this with the credit bureau and it is showing as verified. This is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bill was reported incorrectly 30 days past the due date in XXXX of 2019.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX  XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, on XX/XX/2019 i had received email from XXXX and XXXX that there dedicated change on my credit report and found that Capital One left Hard Inquiry on XX/XX/2019 XXXX Report XXXX Report so this is unauthorized Hard Inquiry, I didn't apply for anything and right away called XXXX to freeze my Credit and XXXX too
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed and faxed a dispute letter to XXXX, Equifax and XXXX requesting to dispute negative credit items and inquiries. I never received a physical paper copy of the dispute resolution in the mail. According to the Fair Credit Reporting Act, the credit bureaus are required to respond to claims within 30 days and inform me of the results of it's investigation within five business days or they have to automatically delete every item that I disputed. I waited for 45 days and then mailed and faxed all 3 credit bureaus a NEW dispute letter on XX/XX/XXXX, requesting a copy of the investigation results from XX/XX/XXXX. I also requested that they send me proof of how they verified the items and if not provided within 15 days, that they needed to delete every item and inquiry that was disputed. Again, I never received a response in the mail from either credit bureau. Under the Fair Credit Reporting Act, it is a violation for credit reporting agencies to report inaccurate information about anyone, mixing up one 's personal information with someone else 's because of similarities or same names, social security numbers, addresses, etc. Agencies who fail to follow guidelines for handling disputes will be prosecuted in a court of law. According to FCRA, If you find an unauthorized or inaccurate hard inquiry, you can file a dispute letter and request that the bureau remove it from your report. The consumer credit bureaus must investigate dispute requests. If the furnisher corrects your information after your dispute, it must notify all of the credit reporting companies it sent the inaccurate information to, so they can update their reports with the correct information. No proof of investigation results have been received from any of the 3 credit bureaus. In the event that the credit bureaus attempt to state that they never received the said documents in the mail or via fax, I also included and attached them in previous CFPB complaints that were filed against these XXXX credit bureaus. The CFPB complaint numbers are as follows : XXXX Equifax, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX Equifax, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Equifax, XXXX XXXX, XXXX XXXX, XXXX Equifax, XXXX XXXX, XXXX XXXX. I am demanding that each credit bureau remove, delete, suppress and expunge each negative item, inquiry, incorrect address, name, phone number, employer, public record that I have ever disputed and restrict them from being added back to my report in the future. I am requesting that updated reports reflecting these changes are mailed to me within 15 days of today 's date or I will have my attorney file charges in court. Thank you
Product: Debt collection

I tried to enroll in school explained that I wanted to make sure I was getting my financial aid before I started the academic advisor signed me up for classes before it was finalized I didnt get funded now I owe a bill this was unethical and I dont want this on my credit
Product: Checking or savings account

Chase told me after I called expecting my children 's XXXX check to be deposited on the XXXX. They then told me that the check wouldn't be deposited by the account was closed so I immediately called SSI and changed accounts with them so that nothing that was needed would be behind. Days go by and the funds weren't deposited into the new account. I checked the Chase account and the funds were deposited so I told them I also wanted to cut ties with them It's fine I would go to the nearest branch and get the funds out of the account and close it that way. To which they told me the funds would not be released to me. They would send them to me in a check in their timing. I advised them that the funds were for my children and we have bills due, clothes, and food needed and they didn't care. He said they wouldn't be released no matter what I did or who I spoke to. I have XXXX kids with XXXX and these funds are needed very badly. PLEASE HELP US GET TO A RESOLUTION WITH THIS MATTER. I already have a new account waiting and ready for funds to be deposited but they aren't willing to cooperate with me or work with me in any way. They never even told me why the account was closed either. I know they have this right but what abt their checks??
Product: Checking or savings account

I have an Optum Bank XXXX  Savings Account. Optum and XXXX XXXX have a program where Optum XXXX account holders can open a linked XXXX XXXX Savings Brokerage Account ( HSBA ) to invest XXXX funds. I enrolled in the program and had over XXXX  XXXX invested at XXXX until I needed to withdraw funds on XX/XX/year>. I sold all securities in the XXXX XXXX on XX/XX/year> to enable the withdrawal. When trying to initiate the transfer of funds from my XXXX XXXX to my Optum HSA I noticed Optum had an incorrect value displayed for my XXXX XXXX of only XXXX XXXX. When trying to complete the withdrawal for the full XXXX XXXXXXXX, Optum rejects my requests with a message that I can only transfer $ XXXX. On XX/XX/year> at XXXX I called Optum 's XXXX XXXX and made them aware of the issue ( call reference # XXXX ). The representative clearly understood the issue and assured me she had escalated it and I would receive a response from the escalation team within XXXX. She confirmed my correct contact info. XXXX hours passed with no response. I called Optum again XX/XX/year> in the afternoon. They had no update but assured me the issue with escalated and I would hear back soon. This has repeated everyday including today ( XX/XX/year> ). I also called XXXX, but they claim that all XXXX transfers must be initiated through Optum. No progress appears to have been made. I simply need the XXXX XXXX of my money Optum is not releasing. On every one of my 6 customer service calls with Optum I have stressed the urgency of needing these funds. They are not taking the issue seriously. The freezing of my funds has caused me financial harm and taken a significant amount of my time.
Product: Debt collection

Upon looking at my credit file, Ive found some discrepancies that need to be corrected. I do not have any recollection of dealing with this company. Ive never done business with them and This is not my account nor debt. I and requesting that they provide me with legal validation that this is my debt. In the meantime, stop reporting to every credit reporting agency until legal validation is provided that the debt is mine.
Product: Credit card

The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.
Product: Mortgage

On beginning of XXXX, I submitted a complaint to the CFPB ( case # XXXX ) about the no-consulted rise of the mortgage ( Acct # XXXX ) of my house by MB Financial Bank. On XXXX XXXX, we got an answer explaining what the Bank did with the automatic payments I was making. In the answer, the Bank states that wants to work with me to bring current the mortgage account. When I noticed the Bank had answered to my complaint, it was about XXXX XXXX. After reading and reading the letter to understand the numbers, on Monday XXXX, MB Financial put the house in foreclosure status. I called a MB Financial Toll Free number and the operator told me that since the house in Foreclosure, I have to deal with the foreclosure department ( law firm handling the case ). My point here is that it is unfair that when we were that close to fix the problem with the mortgage, now I have to pay the lawyer 's fee. I want the Bank to consider and withdraw those fees from the amount I have to pay. By the way, I have never been reluctant to pay my mortgage. I have been and am willing to pay my mortgage. 

The second point here is that I have never received or signed a formal letter telling me that the mortgage was increased. 

The Third point is that the house has insurance before MB financial Bank bought XXXX XXXX Bank. The information was in the XXXX XXXX Bank records. I do n't understand why the Bank is insuring the house again and charging it to the escrow. I want MB financial to remove that insurance from the escrow since the house was already had insurance. 

The last point I want to mention is about the money that was deposited into the mortgage account that was refunded but never cashed. In the answer letter of the XXXX complaint, it is mentioned that on the following dates was performed a refund by check : Date Amount XX/XX/XXXX2016 {$590.00} XX/XX/XXXX2016 {$1300.00} XX/XX/XXXX2016 {$1300.00} XX/XX/XXXX2016 {$1300.00} Total {$4600.00} I appreciate if MB Financial Bank can add this amount ( {$4600.00} ) to the mortgage account since those checks have never been cashed. In other words, I do n't have that money. That money is in the Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Dept of EdXXXX acct XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 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 states a consumer can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021
Product: Credit reporting, credit repair services, 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 need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  Balance : {$60.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$29.00}
Product: Credit reporting or other personal consumer reports

I am victim of data breach in XXXX, XXXX, and XXXX. My personal information was used to obtain credit, goods and services. I attempted numerous times to update my current address directly with the credit bureaus, yet inaccurate and invalid information still remain like misspelled names and addresses. Inaccurate information are used to commit identity theft against me resulting in denial of banking, reputation damage, and loss of employment offers. I am writing to request blocking and deletion of information immediately in the attached document pursuant of laws FCRA 605 and 15 USC 1681c-2 due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant 15 USC 1692 805. Communication in connection with debt collection 15 USC 1681 15 USC 1692a section 803 ( 6 ) debt collection 15 USC 1692e section 807 Experian, XXXX XXXX and XXXX has been reporting inaccurating information to report.
Product: Credit reporting or other personal consumer reports

I have a discharge of my student loans attached to the complaint showing the student loans have been discharged over 3 months ago and still XXXX, Transunion, and XXXX never removed the student loans from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 section 602 of the Fair Credit Reporting Act, Congress made it clear that it requires consumer reporting agencies to exercise their grave responsibilities and adopt reasonable procedures in which is fair and equitable to the consumer. Ive sent certified letters to XXXX ( tracking # XXXX ), Transunion ( tracking # XXXX ) and XXXX ( tracking # XXXX ) in which it was received on XX/XX/22 ( XXXX ), XX/XX/22 ( XXXX ) and XX/XX/22 ( Transunion ) requesting the method of verification used to determine that these accounts were verified. Pursuant to 15 USC 1681i ( a ) ( 7 ) section 611 of the Fair Credit Reporting Act, it has been WELL OVER 15 DAYS allow by federal law and I havent received their method of verification. It appears to be evident that these accounts were not investigated, therefore their method of verification cant be provided to me as requested!
Product: Checking or savings account

On XX/XX/2024 I went in to one of the Wells Fargo 's branches to open two accounts. I opened the checking account without any issues and when time came to opening savings account, I presented a bonus promo code for {$520.00}. The banker told me that he could open a Platinum Savings account for me and additionally apply the high-interest rate promotion. He successfully applied the two promo codes ( from what he told me ). I complied with the necessary requirements for the signup bonus ( {$520.00} ), but it was never paid to me. I went into the same branch and they told me that the banker is not employed with the company anymore and that they see only one promo code for the high-interest was applied. I additionally called Wells Fargo and they told me the same thing. I feel fooled and that facts are getting misrepresented.
Product: Credit card

To Macy 's : I called the XXXX # and was told by a machine to call back tomorrow. I went ontoThe website and it crashed and posted a message to call the administrator. Frustrated! I have paid the same {$50.00} payment for a year fromXXXX bill pay. This month for purposes I can only assume is based on wanted to collect fees - my payment was applied to the XXXX Macy 's Amex account that has not had a balance in months. And I 'm charged a {$29.00} late fee! My payment due was {$29.00} - I paid {$50.00}. My due date was XXXX it was created on XXXX. I knew this was going to happen with all of the changes that Macy 's made. See my email in XX/XX/XXXX - I was watching my account closely so I did n't get hit with a late fee. I never guessed the payment would be applied to the other account. I want this corrected - my payments are never overdue and I do not want my credit harmed!! XXXX XXXX XXXX XXXX XXXX , XXXX oh XXXX. I am going to see by searching online how many others are living this nightmare!