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

I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. 

Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at XXXX or XXXX. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I want to file a complaint to DISCOVER BANK. I found inaccurate information in my credit report. I tried to fix the issue by sending them several letters through the mail ; however, I was not satisfied with the results. The account was not verified. Inaccurate information, such as Payment status, payment history, date opened, and status are still being reported. My rights were violated. According to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C. Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XX/XX/19 called my workplace 3 times, threatened to come to my workplace and impersonated being law enforcement.

XX/XX/19 XXXX of my daughters were contacted and company threatened to come to their workplace. When my daughter contacted and requested the debt be validated they refused. When a mailing address was requested none was given.

XX/XX/19 contacted by another harasser threatening to send law enforcement to my workplace. refused to quit contacting me.

XX/XX/2019 My daughter 's employer was contacted and harasser left a voicemail with personal information. The harassers stated my daughter was my next of kin, which she is not, stated my daughter and I are not taking their phone calls, which is true because the debt is not validated. They threatened to have a process server come to her place of employment even though she lives in a different area and they have my home address. 

We have requested several times they stop calling. They appear to be scammers who practice illegal means in attempt to extort money from the elderly.
Product: Checking or savings account

XX/XX/XXXX XX/XX/XXXX Submitted Fax by, the Company (XXXX XXXX) > In' an Apology to Washington Federal Bank for a Point of Sale Charged "Twice".

($386.26) XXXX

> Is' Refusing to Send Me A Copy of the Statement In Error by the Company (XXXX XXXX).

This is' Auspicious Behavior in an Intent to Submit a Letter to the Bank during, a Period that' a Secured Visa was being Issued to me from XXXX XXXX/Washington Federal/XXXX XXXX.

A Made Cause to Make Claims in an Entitlement of' Monies.
Product: Credit reporting or other personal consumer reports

I never provided Equifax with consent or authorization to disclose pertinent information on my credit file reflecting inaccurate information. All in good faith and with full disclosure, this is a matter of importance that needs to be addressed immediately. 

As per 15 USC 1681s-2 ( 2 ) a -Duty to correct and update information - Late payments are considered transactions and experiences which have to be excluded from credit reporting, regardless of said company providing the information. 

Accounts with late payments : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX - UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Mortgage

In XXXX 2015 I applied for a refinance through Network Capital Funding Corporation. I was given loan details, loan terms and eventually was provided with a loan commitment. ( see attached ). During that process my credit report showed items which were erroneous and I worked with the respective parties to have these items removed which they were. However, rather than requesting credit supplements from the credit bureau, Network Capital proceeded to request hard credit inquiries again and again totaling XXXX inquiries in two months and a half months. ( the Network Capital hard inquiries are highlighted in yellow and attached ). Thease inquiries severally damaged my credit scores causing additional and unnecessary inquiries to remain on my credit report and thus changed my credit profile and lowered my credit score. 

Beside this, I was told my appraisal would cost {$400.00} ( see attached loan details ) and I received disclosures to that effect, however, Network Capital caused my credit card to be charged {$510.00}. ( see XXXX XXXX statement ) The appraisal was completed and there was no mention as to a refund of the difference. of {$110.00} and I was still being disclosed {$400.00} thereafter!!! When I asked my account rep he stated he the charge was only {$400.00} and he did not know why I would be charged more. Furthermore, I was given a closing date with final disclosures and Network Capital failed to submit the package to a mobile notary who contacted me to set up the closing documents. Network Capital stated that they needed an additional document and was " waiting for the president to sign off the paperwork. '' After another week I requested that the file be transferred to another company, which they did. 

When I started this refinance I was able to qualify for a conventional cash-out refinance with no escrows. Now my only option is an FHA loan with escrows and mortgage insurance. This means that I have to pay over additional {$5200.00} + at the time of refinance and approximately {$190.00} per month for a minimum of 11 years!!! This is over {$25000.00} I did not need to pay - all because my score dropped not because of non payment of debt or addition of debt, I actually decreased my monthly liabilities - it is purely a result of the hard inquiries by pulled and populated on my credit report by Network Capital Funding Corporation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have, in the past, reported to Equifax and the other two Reporting agencies, that they have listed an address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ) which is not mine and never has been, but they continue to list that address as a past address. 

Equifax also lists two mortgages, we only have one for {$250000.00} with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX I'm filing this complaint via the CFPB on XX/XX/19 you sent a letter stating that you had completed an investigation on the Following account and the status was Verified and reporting correctly. So I want to Move forward with your Method of verification I want you to send me what Information you sent to the the creditors and what Information did they provide you back also the name and Phone number of who you spoke with because these accounts are not reporting correctly on my credit file. I will also need for you to send this information By the CFBP Website an EQUIFAXI don't want any small talk I want PHYSICAL PROOF the ftc website stated that you have 15 days to complete this request.. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX PLEASE ONLY SEND YOUR INVESIGATION DOCS VIA THE CFPB WEBSITE SITE
Product: Credit reporting or other personal consumer reports

After making a dispute with cfpb about Equifax not doing their job correctly and that they were being sued for improper investigations and troubles with credit reporting they took offense to me doing so and tarnished my credit score even worse. The last complaint I made was that the dates did not match for Miss payments or late payments and it should not be on my credit to start with because that's against fcra regulations. These dates are wrong they know they are and when I complained they really went to town and show a nasty XXXX score when it should not be. They need to remove this immediately and fix it back the way it's supposed to be and get rid of the stuff that's supposed to be on it. I've also had trouble with TransUnion an Experian not doing their job correctly so I figure they're going to end up doing the same thing.
Product: Credit card or prepaid card

I made a reservation for a hotel via AMEX 's website with my AMEX card on XX/XX/XXXX for {$1900.00}. I ended up canceled the reservation the next day with AMEX. A credit was issued for {$1900.00} on XX/XX/XXXX. AMEX has a program for my card called Pay Over Time and my balance I had before this charge had me paying roughly $ XXXX {$100.00} a month. My charge and credit happened within the same billing cycle so it should not have changed my monthly payment amount drastically. AMEX issued my statement for XXXX and has my minimum payment to be {$1900.00}. I was told by their Customer Service that it was because I did not pay my balance in full from the previous month 's billing. I'm not required to since it is Pay Over Time. I was also told that the credit for my reservation was issued as a payment to my account instead of as a credit for the reservation I canceled. Therefore, having me pay in full for a reservation I canceled. I spoke to two representatives on the phone and 3 via chat and I have received all different explanations as to why my payment for next month jumped from $ XXXX {$100.00} to nearly $ XXXX and no resolution as how to fix it. I believe it to be an accounting error with how the credit posted, but no one at AMEX understand it. They're only reading me my charges and credits off the statements that I can see for myself. I had to threaten to file a complaint before someone took me seriously and really looked into the situation. I was told it would be resolved in 72 hours, but I am not very hopeful.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries :
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter to Experian more than 30 days ago and they did not respond back. I feel that they are ignoring my request to show me proof of a legal and binding agreement with the creditors. in addition, i asked them to show me how they verified these accounts and what method was used to verify these accounts. 

1. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 4. XXXX XXXX Account Number : XXXX
Product: Credit card

In XXXX of this year I decided to cancel my American Express card because I no longer wanted to pay the annual fee. I called American Express to cancel. They sent me a refund check for the annual fee and sent me an email saying that my account had been cancelled. I received the email on XX/XX/XXXX. After that I didn't think about the account. But I received a bill statement in XXXX for subscriptions that were charged to the account. I thought it was odd since I cancelled the account and called American express to see what had happened. 

The customer service representative said that something odd had happened and the account was never closed even though he could see that I had called to have it closed. So he said he would launch an inquiry into why it was never closed. He told me not to worry about the charges or late fees and that everything would be fixed anywhere from XXXX weeks to a month. That same month I receive an identical email to the one I received in XXXX saying that my account had been canceled. But in XXXX I got another billing statement with more late fees. So I called American Express again in XXXX and asked what was going on. They said they would launch another inquiry and gave me another GC code for my inquiry and told me to just be patient and they would figure out why it didn't cancel. 

Skip to XXXX and I receive another bill with extra late fees and constant calls. This time when I call they say I canceled in XXXX and that I now need to pay anything from XXXX and XXXX including the late fees. I felt like this was wrong since I canceled in XXXX received a refund for my annual fee in XXXX, payed off my remaining balance in XXXX, and received an email confirming my cancellation again in XXXX. All the while my XXXX XXXX has been damaged due to delinquent payments. The representative tell me to not do anything and they will launch another inquiry and gives me another GC code for my newest inquiry and again tell me to just wait until the inquiry is complete. I called after XXXX weeks and they hadn't finished so they tell me to wait at least a month. I do and again my XXXX XXXX goes down due to more delinquencies and I receive extra late fees. 

Now in XXXX. After waiting to receive calls that never came. I call and they tell me they still aren't sure why it says I cancelled in XXXX but nothing happened and they can't help me with the delinquencies or the affect on my XXXX XXXX. Even though they told me to wait to do anything until after my many inquiries/investigations were completed. Inquiries that I never heard from again. I never got an explanation as to why my account wasn't cancelled. I never got an explanation about what had happened with my inquiries and I never got a call back when trying to figure out what was happening with my account.
Product: Checking or savings account

Accounts were opened with the following banks : Bank of America XXXX Both banks were contacted on XX/XX/2021. The accounts were closed on the same date. 

I contacted XXXX  credit bureau to file a fraud alert.
Product: Credit reporting or other personal consumer reports

After disputing a charge, I was informed that I didn't have to make any payments while the issue was being resolved. However, they failed to initiate the dispute process and subsequently reported me as being late. 
This failure in carrying out the dispute process has had detrimental effects on my financial standing.

Despite my compliance with the initial advice, I have been unjustly reported for late payment. The company 's negligence has not only inconvenienced me, but it has also potentially compromised my credit score. It is imperative that this issue is rectified immediately and measures are taken to ensure such errors do not recur in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

I refinanced my CHASE mortgage, with CHASE, in XXXX XXXX, I was told numerous times, that I would get an interest refund each year. The pre-requisite was that I have the payment paid directly from my checking account and could not be paid by check. I have been doing this ever since. In XXXX XXXX due to the serious medical condition of my wife I had to do elder care planning which resulted in asset transfers, XXXX XXXX XXXX being established. I thought the mortgage payment had to be made through the LLC account so I had the payment drawn from my XXXX XXXX account. All I did was switch from one CHASE checking account to another. In XXXX XXXX I asked what happened to the {$350.00} I was supposed to get in XXXX. In a long phone call to the CHASE mortgage department, made by the CHASE branch where I bank, they told me I had signed a form stating I had to pay from the checking account I had at that time. When I asked for a copy of that form they admitted they had no such form. They, then, claimed I was told the payment had to be by ACH. That's not true. They wanted to make sure I understood the payment had to come from the account directly and not by check, so they told me so numerous times. They never said it had to be paid by ACH-specifically, I have paid, and continue to pay my mortgage DIRECTLY from my account and not by check, CHASE is unfairly and unjustly withholding my annual rebate. I am an XXXX XXXX XXXX person dealing with more stress than is healthy without this unfair aggravation. I hope you will help me.
Product: Debt collection

I do not owe the collection that is appearing on my consumer report. This company has also violated US code 1681 ( b ) subsection ( a ) ( 2 ) by contacting me and reporting onto my consumer report.
Product: Checking or savings account

On XX/XX/XXXX, I filled out a dispute with Ally Bank for {$280.00}, since I hadn't spent the money. I submitted proof from the merchant that my account was not responsible for the transactions, but they found against me in the dispute anyway. I asked to see their proof that I was responsible for the spending, since cursory XXXX  has told me that someone pretending to be XXXX and pulling cash out of your account is not an uncommon scam. On XX/XX/XXXX I requested a copy of their " proof '', and still have not received it.
Product: Payday loan, title loan, personal loan, or advance loan

I received a check in the mail from Regional Finance for a loan offer of {$1200.00} on XX/XX/XXXX. Since I had some medical procedures and bills to take care of in XXXX of that year, I deposited the check, and the funds were made available to me on XX/XX/XXXX. I then received a missed call from Regional Finance on XX/XX/XXXX at XXXX and a voicemail left by the representative Regional Finance. At XXXX I returned the call and spoke with the company representative where we discussed the modality of the loan repayment. The agent told me that the payments will be due on the XXXX of each month. I notified the agent that I will not be able to make my payments on the XXXX of each month and that the reason I accepted the check offer was because on the back of their letter it stated monthly payment will be on the XXXX of each month which was appropriated for me or the XXXX of each month. The representative then told me that she will have to consult with her manager and will get back with me. At XXXX of that date XX/XX/XXXX the representative reached back out to me and informed me that the manager offers payment due date for the XXXX of each month, and I have until the XXXX to make the monthly payment without occurring any penalty. Although I mentioned to her that I preferred a payment due on the XXXX of each month where I am sure to be able to make my payments. She stated they can not set up my payments for the XXXX but only just to the XXXX and will not get penalized if the payment arrived on the XXXX. We then agreed on those terms. 
However, on XX/XX/XXXX, I received a missed call from the company and similarly on XX/XX/XXXX. 
On XX/XX/XXXX received another call at XXXX from one of their representatives where he told me to my surprise that I missed a payment due on XXXX let him know that my payment is not due until XX/XX/XXXX and I have until XX/XX/XXXX to make my payment as it was previously agreed upon. The agent told me that I should have received a paper for the new due date but since I have not received it I will have to pay late fee. I advised him that I never received these documents from them, and they should send it to me in order to sign them. They still have not sent a document to me and yet charged me a late fee. 
On XX/XX/XXXX I received a phone call from the company at XXXX and again the same scenario I am being told by the agent that I am past due. I went through the same ordeal with him about the previously agreed payment due date on XXXX just for him to tell me again about the documents to be received and signed to complete the change. When I asked him why they still never sent and could not send these documents to me, he told me that he did not know the reasons, but I will have to pay another late fee if making the payment on the XXXX. They are acting as if I am the one at fault yet they wouldn't send the documents to sign as they said they will but they preferred to play gimmick and charge these fees.