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

I mailed certified letters about a false accounts due to credit fraud and they never responded nor investigated. This is ongoing and no proof from them stating how they got to the conclusion or ownership. 

XXXX XXXX XXXX XXXX Account Number # # # # # XXXX {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX Balance : {$0.00}
Product: Checking or savings account

okay as a jp morgan chase customer i was in a state of un willingness trying to understand how a account and bank was shutdown and a community business all at one time and than companies like my self account was closed in that process leaving me stuck with a on going funding problem while i was a paying customer no bankers was there to help with adjustments i had to use a outside company to get part of what was lost there and than help me miss my impact payments that should have been going to that account now where is the legal help on the level of confusion left behind
Product: Mortgage

LoanCare took over the processing of my mortgage loan from XXXX XXXX  XXXX XX/XX/XXXX. I went through the process of setting up a new account there their process. Now when I try to log in I get an error. I have worked for 4 days with LoanCare to try to get them to help me work through the problems. They continue to lie, make up excuses why things are not working to no avail. It takes 1/2 hour to get through to a real person every time I call them. I have spent over 8 hours trying to work with them on the phone, but they keep telling me to try again in 1 hour, 1/2 hour, next day, but when I try again, the same problem arises. Have be on calls with them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the latest attempts to get this solved. It also took 3 or 4 days last week to set up the account. Many problems there, but those have been resolved. But what good does it do to set up an online account if you can not log in? 

Also I was set up to make payments automatically with the old mortgage processing company XXXX XXXX  and LoanCare says that will continue with them. However the payment has not been processed and I have not been credited with the payment so I am incurring increased interest charges since the payment has not been made. I am concerned if I make another payment at this time, they will all of a sudden process both payments since their IT systems are so bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECENTLY, I LOOKED AT MY CREDIT REPORT AND IT BROUGHT ON A TREMENDOUS SADNESS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.THIS IS HARMFUL TO MY HEALTH AND A DEFAMATION OF MY CHARACTER.I FOUND EVIDENCE THAT YOUR ORGANIZATION DID NOT DOUBLE CHECK FOR ACCURACY BEFORE REPORTING IT.IN ACCORDANCE WITH SECTION 1681e ( b ) accuracy of reportof the United States Code 15 usc when a consumer reporting service creates a report on an indivdual, they are required to take reasonable measures ensure accuracy
Product: Credit reporting or other personal consumer reports

am filing this complaint regarding the failure of XXXX and Experian to correct and adequately investigate inaccuracies on my credit reports related to a XXXX XXXX account and unauthorized hard inquiries. Despite repeated disputes, these credit reporting agencies and XXXX XXXX have not resolved the issue, nor have they provided any proof of investigation or supporting documentation. 

Details of the Issue : XXXX. Inaccurate XXXX XXXX Account Information : Errors have been reported on my credit file related to a Capital XXXX account. 
I disputed these inaccuracies with XXXX and Experian, but no corrective action has been taken, and they failed to provide any proof of an investigation or verification process. 
XXXX. Unauthorized Hard Inquiries : There are hard inquiries on my credit report, including those related to XXXX XXXX, which were not authorized by me. 
XXXX and Experian have not removed these inquiries despite my disputes and have not provided documentation to justify their presence. 
XXXX. Failure to Investigate : Under the Fair Credit Reporting Act ( FCRA ), XXXX and Experian are required to investigate disputes within 30 days and correct or delete inaccurate information. 
Neither agency has demonstrated compliance with this legal requirement, nor has XXXX XXXX provided any evidence supporting the legitimacy of the account or inquiries. 

Relevant Legal Protections : Fair Credit Reporting Act ( FCRA ) : Section 1681i : Requires credit reporting agencies to investigate disputes and ensure accuracy.

Section 1681b : Prohibits unauthorized inquiries unless there is a permissible purpose.

Section 1681e : Mandates reasonable procedures to ensure maximum possible accuracy in credit reports.
Product: Credit reporting

Hello All, I recently learned of the negative impact hard inquiries had on credit score so I checked my credit and realize that there are several hard inquiries on my credit report that posted in XXXX2016. I called both Equifax ( spoke to XXXX emp # XXXX ) and XXXX ( spoke with XXXX XXXX but refuse to give me emp # ) to have inquiries removed for reason that I did not apply for credit with these companies but they will not take my word for it so now my only option is to come here and see what help I can get in resolving this issue. Thank you in advance for your time and consideration on this matter.
Product: Credit reporting or other personal consumer reports

Equifax is reporting Information that belongs to someone else. I notified on several occasions to ensure they have the most accurate information in my credit file at all times. Equifax was asked to delete the following inaccurate information from my credit file within the following 30 days. I know that they have up to thirty days to meet my requirements. I did not receive any updates from Equifax during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that Equifax incorrectly reported and should be deleted immediately. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX asked Equifax on XXXX occasions to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I advised that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Equifax did not complete an investigation, nor had communications of results or said investigations. 

XXXX XXXX - XX/XX/XXXXXXXX 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 my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$38000.00} ; XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX  days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan opened at XXXX XXXX XXXX opened XX/XX/XXXX. I do not recognize the above mentioned accounts or collections as reported. The above mentioned accounts and collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the above and mentioned account are the result of identity theft and fraud. I have attached all correspondence 's and a copy of XXXX  Identity Theft Criminal Complaint as proof from the XXXX XXXX XXXX XXXX that all of the above mentioned consumer credit accounts and collections are the result of identity theft and fraud
Product: Checking or savings account

On XX/XX/XXXX I looked at the activity within my Bank of America ( BofA ) XXXX XXXX  Checking account and noticed I had been assessed a maintenance fee of {$12.00} for XXXX and XXXX of XXXX. I reviewed the bank 's fee schedule and saw that they required a minimum average daily balance of {$1500.00} or {$250.00} direct deposit to waive this fee. I only have been able to maintain a direct deposit of {$25.00} going into the account for XXXX and XXXX, and the average daily balance was below the minimum daily balance. 

I called BofA customer service at XXXX XXXX on XX/XX/XXXX to request the fees be reversed on the basis of a customer service gesture, but was denied. I informed the agent, XXXX ( in NJ ) that my girlfriend recently had several of the exact same fees reversed from her account ( also an XXXX XXXX checking account ). After stating they would not reverse the fees, I requested to speak with a supervisor. XXXX informed me that his supervisor, XXXX, would call me within XXXX minutes, but as of XX/XX/XXXX, she never attempted to call me. 

I called BofA customer service again on XX/XX/XXXX to notify them that the supervisor didn't call me back and to again request for fee reversal, which was again denied. Based on my girlfriend recently having the same fees reversed, I feel BofA is summarily discriminating against certain account holders on the topic of fee reversals. I submitted a request with the agent XXXX XXXX, VA XXXX this morning to close this checking account with BofA.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and the XXXX XXXX data breach. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!!
Product: Credit card or prepaid card

i signed up for their credit card online on XX/XX/XXXX and when i signed up i saw a offer that if i use {$500.00} on their card withing 90 days, after account opening i will get {$200.00} bonus offer expires on XX/XX/XXXX. After when i completed that purchase requirement they only issued me {$150.00} as in XXXX points. I tried to get a resolution by calling them several times but their customer support is horrible. First time they told me they will issue that missing {$50.00} as XXXX points. And after that no response. I sent them message twice. And finally i called them today XX/XX/XXXX. They told me i am not eligible for that promotion. But i already got {$150.00} as bonus. Its just missing {$50.00}. But they they told me you can only get that if you apply online i cleared them i saw that online on your website and applied and you approved my application. And I took the screenshot of the offer. when i applied so i have that screenshot. I followed all their terms to get that bonus but they are just trying to scam me out {$50.00}. I have a checking account and credit card with them and i am going to close all of my accounts if they don`t resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I attempted to freeze my acct at Transunion after the XXXX  debacle I was misled into signing up for some monitoring service and they immediately started charging my credit card. After about a month and formal complaints they cancelled the service and refunded the charge. Since that time about every 2 weeks I receive a SPAM email ( XXXX ) from them with different offers and implying that I signed up for some service. Each and every time I receive one of the emails I have diligently followed their procedures to unsubscribe and stop receiving the unwanted SPAM. To date I have done this at least 12 times with no effect. 
How can a company that lacks basic competency or ethics to maintain a functioning cancellation system be entrusted with individuals credit history. Did they not learn anything from the XXXX negligence?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Called XXXX, XXXX XXXX XXXX and spoke to their representatives and quoted them the federal laws in which i am stating and why information should be on my profile. 

15 U.S. Code 1681a ( d ) ( 2 ) - Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. 15 U.S. Code 1602 ( l ) -The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My Social Security Card is a credit card and there for was used for an approval of an extension of credit for the fraudulent accounts " Possible Finance and Dept Of Ed/XXXX  ''. 

XXXX XXXX XXXX, Possible Financial & Dept Of EdXXXX All are reporting late payments on my credit report and pursuant to law 15 U.S. Code 1666b ( a ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Ive been lied to me and told me that they investigated this matter but pursuant to 15 usc 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They didn't speak to my neighbors, friends, or associates to ask about my character, general reputation, personal characteristics, or mode of living is obtained through personal interviews. 

Pursuant To 15 U.S. Code 1681n ( a ) ( 1 ) -Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

I am demanding {$7000.00} FROM Dept Of EdXXXX For the last 7 years of damages cause by derogatory marks, {$2000.00} for damages For the last 2 years of damages cause by derogatory marks and {$1000.00} From XXXX XXXX XXXX for Damages for the past year. I am also demanding the removals of the accounts : Possible Financial & Dept Of EdXXXX and the late payments removed for the account : XXXX XXXX XXXX from my profile as my credit was extended to these companies and i am the original creditor.
Product: Debt collection

Members of my family and I have been receiving numerous threatening messages from a  Law Office  in regards to a claim or debt that according to them I owe.   XXXX   XXXX   continues to call numerous times and leave messages with the name of my mother or sister and myself.  XXXX  and others have called family members in other states as well as my immediate family and discussed random monetary amounts that according to them I owe. My consumer protection rights under the FDCPA have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that i do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Payed Off Full Account Balance With Original Creditor. XXXX XXXX & They Just Posted Yesterday That I Owe {$81.00} To XXXX XXXX On My Credit Report Which Is False Information.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Experian & XXXX  Account # : XXXX I tend to dispute the items above. 
The college and collection agency failed to mail me a proper notification of balances. Nor is the balance accurate or justified. The courses were dropped and I did not receive the education. Failure to send proper notification in a timely manner is extremely unethical. 
If the above accounts can not be verified, they must be removed immediately according FCRA section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company. 
Please validate that this debt belongs to me, and please also show me the original contract agreement. I would also like to know the verification methods on the possible account as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO THERE ARE THREE ITEM ON MY CREDIT REPORT AND THEY ARE STOPPING ME FROM BUYING A HOME, BELOW ARE THE THREE ITEMS AND I HAVE FILED A POLICE REPORT. 

XXXX XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX AMOUNT {$97.00} XXXX OPENED XX/XX/XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX BALANCE {$970.00} XXXX XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX AMOUNT {$430.00}
Product: Debt collection

XXXX with AA Recovery Solutions called my cell phone asking for my husband. He represented himself as he was an employer looking for a reference for my brother in law. This was absolutely a lie as it is clear that he is trying to obtain skip tracing info on my Brother in law.
Product: Vehicle loan or lease

A few years ago I paid off my XXXX XXXX XXXX  which was financed through GMAC. It is my understanding that Ally Financial has taken over the remnants/accounts of GMAC. I contacted Ally Financial beginning XX/XX/XXXX to obtain a " lien release form. '' Since I do not have an account with Ally, I am unable to complete any of these processes on line. Everything must be done via telephone call and U.S. Mail. On XX/XX/XXXX I provided my name, address, VIN # to the person at Ally, spelling the name of street, providing the complete mailing address, and I was told I would receive the lien release request form within 7 to 10 days. ( Reference # XXXX ) Three weeks later, on XX/XX/XXXX, I did not have the form so I called back and spoke to XXXX ( Reference l # XXXX ). I was told the form was mailed on XX/XX/XXXX but learned after questioning that they did not use the complete address -- leaving off the suite number and box number. Therefore, the form would never reach me as my mail box is located within a strip center and the suite number is an absolute necessity. I was then told the form would be mailed out again to the correct address and that I should expect it within 7 to 10 days. On XX/XX/XXXX, after not yet receiving the form, I contacted Ally Financial again and spoke to XXXX. She informed me that the form was once again mailed, confirming the correct address, and then told me to " give it a little more time. '' When I asked her where the form was being mailed from, she said " the Title Department '' and when I asked the location, she put me on a 3 minute hold and after returning to the call informed me the form was mailed from XXXX, MD. 

I am experiencing financial hardship due to the COVID pandemic and I am in urgent need of selling my car. This delay on behalf of Ally Financial is causing me undue stress and unnecessary pain and suffering. Even after I do receive the lien release request form, I am concerned -- with their demonstrated incompetence -- that they will further delay my securing the lien release ... causing even more financial stress and strain I need assistance!
Product: Credit reporting or other personal consumer reports

Between XXXX and XXXX XXXX has reported to the Department of education that I was overpaid a XXXX over payment of {$100.00} for {$5900.00} that was given to me. 

The department of education has been continuously ruining my credit over {$100.00} that they previously already been paid for in XXXX. 

However, I will disclose a bank statements from XXXX XXXX XXXX that shows exactly how much money I was paid for my student loans and my XXXX XXXX. 

There still is a dispute {$1000.00} that XXXX XXXX XXXX never credited back to me however that is in another CFPB Dispute. 


Ive only been paid {$3400.00} in XXXX Grants from XXXX through XXXX XXXX. 

There is a balance of {$2400.00} I was never paid.. 

So its incorrect for them to say I was paid {$5900.00} when in all action reality I was only paid {$3400.00} So my issues with US Department of education, charging me an incorrect amount of what I owe actually owe. It is because to the college, whos reported the information incorrectly.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$390.00}XXXX XXXX  XXXX XXXX Balance : {$900.00}, XXXX XXXXXXXX XXXX Balance : {$440.00}, XXXX XXXX XXXX Balance : {$580.00}, XXXX  XXXX XXXX Balance : {$83.00}, XXXX XXXX XXXX XXXX : {$110.00}, XXXX  XXXX XXXX XXXX : {$610.00}, XXXX  XXXX XXXX Balance : {$820.00}, XXXX XXXX XXXX XXXX : {$210.00}, XXXX  XXXX XXXX Balance : {$270.00}, XXXX XXXX XXXX XXXX : {$130.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}XXXX XXXX XXXXXXXX XXXX Balance : {$590.00}, XXXX  XXXX XXXX XXXX : {$1400.00},, XXXX XXXXXXXX XXXX  Balance : {$0.00}XXXX XXXX XXXXXXXX XXXX Balance : {$270.00}, XXXX XXXX XXXX XXXX : {$200.00}, XXXX XXXX XXXX Balance : {$100.00}
Product: Checking or savings account

There were many overdraft fees applied to my Wells Fargo checking account over the year.