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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Inquiries removal : Please see all highlight activity which is considered to be unauthorized by myself.

Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of inquiries accounts on my credit report and inaccurate information on my account. This information is not mines and need to be addressed. Please correct information concerning all these inquiries. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed.

Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the XXXXXXXX XXXX XXXX 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance Please see all inquiries that was not authorized by me. 
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 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 or other personal consumer reports

There was some issues at the fault of carmax it took several months for them to correct it and in that time I incurred fees and got late reports they are incorrect and unjustly reporting I would like them immediately removed thank-you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Hard Inquiries that on my Credit Report that I don't recognize
Product: Mortgage

Wells Fargo loan consultant did not advise me to keep making payments on my existing loan until the new loan went through. When I applied for the refi with WF on XXXX XXXX, I had just made a payment on the existing loan 2 days before. Today I got a nasty gram from WF in email saying my XXXX payment was overdue. Not only that, but the reason the refi is taking so long is that Wells Fargo does not know how to work with condos and the insurance policy, even though other banks do I think routinely. And with this whole insurance thing, I had to contact all kinds of parties outside of the bank and yell and scream until Wells Fargo made an effort to work on the loan. The mortgage consultant had sent me a rejection letter prior to that because he could not find folks in his bank to work the loan.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown inquiries on my credit file that I did not approve to run my credit nor do I have an active/open credit account with from these companies. I am ver concerned regarding the serious possibility that the credit reporting agencies have not followed the permissible purpose provisions of the Federal FCRA. The inquiries in question are listed below alongside the date they were reported : 1. XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX XXXX. - XX/XX/XXXX 3. XXXX XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX. - XX/XX/XXXX 5. XXXX XXXX. - XX/XX/XXXX 6. XXXX XXXX XXXX. - XX/XX/XXXX 7. XXXX XXXXXXXX XXXX. - XX/XX/XXXX 8. XXXX  - XX/XX/XXXX 9. XXXX XXXX - XXXX XXXX  10. XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint to investigate my disputes regarding inaccuracies in my credit report properly. Despite submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA, 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked as inaccurate XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Vehicle loan or lease

Called Ally Bank to receive my payoff amount to make final payments. I was told a payoff amount over the phone, and after making the payment I came to find out the following week Ally Bank added additional XXXX  of dollars in fees even after paying those fees the last XXXX  years! These were purposely added after getting my payoff amount just so I couldn't pay account off. Ally bank refuses to waive these erroneous late and misc. fees even after I've be loyal customer for years! I told them to remove the payments I made from the fees and apply towards my principle, but I was told that is not something they can do by the manager that came on the phone? I've been lied to and cheated by Ally Bank multiple times and something needs to be done!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent XXXX XXXX XXXX XXXX XXXX, the following notification of reporting error on my credit report. 

" In reviewing the laws and also looking my consumer report, I am deeply disturbed and feel violated. 
According to the law ( 15 us code 1666b ), you have failed to maintain compliance by reporting a late payment on this account to the credit reporting agencies you do business with. Such failed compliance is a violation subject to a fine of {$1000.00} ( 15 us code 1692k ( a ) ( 2 ) ( a ) ). This violation has been reported since XX/XX/XXXX and continues to be reported. In accordance with the law ( 15 us code 1692k ( a ) ( 1 ) ), you are liable for actual damages sustained due to your failure to comply with the law. I was denied credit ( {$52000.00} ) because of this derogatory and defamatory reporting, ( see attached XXXX denial and later cosigned approval ). I had to get a co-signer to secure the loan that ultimately got approved. I expect a check for the incurred damages. 
I certify under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XX/XX/XXXX. '' No response has been received regarding the continued violation of the laws mentioned herein.
Product: Checking or savings account

On XX/XX/year> I had a XXXX deposit from our renters insurance that I am listed on. The deposit was the second deposit made from this company and the first one I spent fine with no issue. I woke up on the XXXX to my account being restricted. I called and the were extremely rude and unhelpful. They stated I violated the terms of use. And my account would be closed. I asked if I could send documents verifying the deposit or anything they said no and treated me like I was a scamming their. They said it's because the deposit is in my XXXX XXXX  name. She is the policy holder but I am listed as well in the policy. I tried letting them speak to her which they did not want to do. I called three separate times trying to rectify the situation with no help or care. And now we will be left XXXX and my account will be closed for my social security check at the beginning of the month. I asked for the transcripts or recordings of phone calls because it seemed very shady and they would not give me that either. They will not let me speak to anyone else or get any timeline they just say the decision is final. That money is from my home getting XXXX XXXX XXXX XXXX and they do not care because they act like I stole the money even though they spoke to my XXXX. They will not let me speak to the investigation team or give me any information. My XXXX has been a joint account holder before on the account too and they don't care.
Product: Credit reporting or other personal consumer reports

on XXXX XX/XX/2024 I was offered a what seem to be a reasonable job opportunity from a spouse on our military XXXX page and proceeded to ask about details and job description and they had sent me a link to talk to a potential hiring manager for a company called XXXX a man named XXXX XXXX he proceeded to talk to me about the job description requirements and what I would potentially be doing for the company and proceeded to ask for basic information of myself as part of the hiring process sent me a questionnaire of the job that looked like what they wanted the requirements I believe I as they had asked for a copy of my drivers license and social security number to verify my identification using ID XXXX as well as my banking information and told me that I was to send them an amount of {$650.00} to XXXX separate XXXX accounts to a XXXX XXXX ( email XXXX ) and a XXXX XXXX phone number XXXX in order to start the payroll process and get a G.I. tracker in payroll as an employee and once the money was sent, I have not heard anything back and was blocked from the lady herself on what was going on and what happened and the person XXXX has also yet to respond to me about the money he has taken for me and I believe I was scammed along with my identity being potentially stolen for their use.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : Equifax Credit File : XX/XX/2020 Confirmation # : XXXX Police Department : XXXX, Tx Police Department Phone Number : XXXX Outcome : Waiting on a police report I received 3 letters from banks informing me that additional information was required to complete my application. I had not applied for services from the lenders contacting me. I contacted Equifax, XXXX, and XXXX XXXX to inquire about my credit report. I found 36 inquires that I did not initiate. After some investigation, I found that someone had stolen my identity and created a false drivers license in my name with my address, and license number.

I notified each of these companies that someone has stolen my identity. I am willing to provide a copy of the police report to any business that would like a copy ; however, I have been asked to send personal information, which is requires a notary signature to verify that I am who I say I am. The inconvenience of this request is high, the cost is exorbitant, and the issue of sending personally identifiable information to support a claim of stolen identity is abhorrent. 

I disputed the fraudulent inquiries that we present on my report with each of the credit bureaus. I have received a response from Equifax that " Inquiries are a factual record of file access ''. However, I never disputed that an inquiry was made. I have disputed that I was not the one who requested, nor did I authorize these inquires that appear on my report. 

Equifax has placed the burden of contacting the businesses documenting these inquiries on me. I believe that they have the burden to prove that I made these inquiries. My identity has been stolen by someone who initiated 36 inquires, so far, and has to my current count 5 cars leased, purchased, or rented in my name. In addition, 4 cell phone numbers and an account with XXXX XXXX was opened, which it was explained to me is likely an effort to launder money. 

I am unwilling to send these businesses more personally identifiable information after my identity has been stolen and it is unconscionable that would think I should. Equifax is reporting credit activity that results from someone stealing my identity and responses to a dispute that the inquiry was a factual record, which is in no way in dispute. I freely admit that someone initiated an inquiry, I dispute that I was the one that initiated it. I would like to have this information removed from my credit report. I will be happy to provide a copy of the police report to Equifax, but the insistence I contact these companies to have it removed is irresponsible and should be illegal.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had frozen my credit after the Equifax breach in 2017 and received 10 digit PIN for unfreezing the same. 
Now when i am trying to unfreeze the credit, Equifax is requesting to send Social Security and Driving license copies. 
These were sent by mail on XX/XX/XXXX and again by fax XXXX to XXXX XXXX on XX/XX/XXXX, however Equifax is claiming that documents were not received.
Product: Mortgage

On XX/XX/XXXX? I completed my approved mortgage loan to Caliber Homes Loans with a credit score of XXXX for a mortgage of {$200000.00}? I was paying on time never late until the hurricane Irma hit my home on XX/XX/XXXX to report to Caliber Homes Loans of damages from hurricane Irma that I had to repair. My mortgage is a FHA mortgage and qualified under the federal law for relief during this tragedy in XXXX. I followed all their instructions called for 3 months to make sure I am able to go back on my feet since they said not to pay for XXXX, XXXX, XX/XX/XXXX. However, On XX/XX/XXXX I started paying my mortgage to Caliber Homes Loans on time and they modified my payment at a higher rate at $ XXXX/mon. However, on XX/XX/XXXX I received a letter from XXXX they are my service provider which i did not understand why. On XX/XX/XXXX I learned that XXXX is a debt collector not a bank. According to my credit report Caliber Homes Loans they closed my account on XX/XX/XXXX for a loan of {$190000.00} but in my credit they never reported my payments to the credit bureau on XX/XX/XXXX- XX/XX/XXXX then on XX/XX/XXXX-XX/XX/XXXX, then reported only XX/XX/XXXX then no reported payments from XX/XX/XXXX-XX/XX/XXXX, then my account was sold XXXX in XX/XX/XXXX to XX/XX/XXXX -XX/XX/XXXX. on XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX from XXXX that they have my account now for a loan of XXXX starting on XX/XX/XXXX bought from XXXX. XXXX did not report my payments for XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. Meaning I was paying on time which I can prove in my back statements from those dates Caliber Homes Loans hold about {$1300.00} of 5 months of {$6600.00} then sold my account to XXXX then XXXX did the same kept 6 months of {$7900.00} then now they sold it to XXXX XXXX XXXX, XXXX account # XXXX to another debt collector. My Loan is protected with FHA, what happened? they have destroyed my credit from XXXX to XXXX and this is going to be a repeated cycle since they claim I did not pay my mortgage when I have from day 1 except in those 3 months in XXXX in then hurricane Irma and followed Caliber Homes Loans their steps to keep my home and mortgage. This is a scam. I asked Caliber Homes Loans in their recorded lines that I asked if I had no issues and they said no to continue until XXXX with the mortgage that I am not going to lose my home. They lied and they tricked me all of them for fraud and took advantage of me. Everything is trackable I need help. ( the numbers may be off or dates cause I don't remember all the days and numbers but the proof in in their systems and my bank statements which will prove I never missed a payment from my mortgage of course only in XXXX during the Irma incident but I was in their programs for homeowner who was dealing with hardship in those times. I have reported it to ftc.gov # XXXX on XX/XX/XXXX
Product: Debt collection

In 2013 XXXX try to over charge me for XXXX tickets. I sign up for a 7 month membership program for {$350.00}. But after the 7 month XXXX was still trying to take money out of my XXXX account. I had to get XXXX to block them. And I had to get a reversal on XXXX payments because they tried to over charge me. In 2013 they had Arrgon XXXX Collection contact me about this matter by phone and I explian to them that I paid for the tickets in full already and XXXX try to take extra money. And I also told them I could not get in touch with anyone from the XXXX membership department to resolve this issue they kept giving me the run around. Arrgon said that I have to contact XXXX to resolved this issue and that we are only a collection agency. When I told Arrgon the credit collection agency that I can not get in touch with anyone from XXXX membership department they told me that is the only way it can be resolved. I had not hear back from Arrgon from over a year all of the sudden out of the blue no phone called to me warning me they are going to put this debt on my credit report in the next 30 days if this is not resolved they just put it on my credit report. Now I have to do a dispute with experian a credit reporting agency for a debt I already paid. I sent proof over to XXXX and Arrgon. And I also complain to Arrgon that no one called my on my phone to warn me about this debt. I find this to be illegal. I email proof to Arrgon and they never email me back proof of how did they get this debt from XXXX on my credit report. A payment history or reciept. This is very offense to me and my business when I am in the middle of getting funding for my business now I have to wait, this could be damaging to my business not getting funding on time. No one will give you funding if you ca n't pay {$230.00} back. That is the amount Arrgon reported on my credit report. Arrgon should make sure when they collecting debt it is a official debt and also call they person on the phone and warn them they are going to put it on their credit report in the next 30 days if we can not resolve it. I attached proof. XXXX receipt and XXXX payment history. I can not believe Arrgon put a debt on my report I do not owe and gave me no warning by phone or email me proof of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with 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 XXXXXXXX XXXX XXXX # XXXX ) Account name XXXX  XXXX Account number XXXX account name XXXX XXXX account number # XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX these accounts have violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer Report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Product: Checking or savings account

I opened Wells Fargo checking account with a {$200.00} bonus in XXXX. Until now the bonus has never been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; total accounts, open accounts, closed accounts, balances, payments, and inquiries were properly investigated but how is that possible if the last activity date for each account is different? This is clearly inaccurate which means it is grounds for removal, update information, for claims of up to {$1000.00} per violation. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law also states that if a credit bureau places information on a report it knows to be inaccurate, a consumer can claim up to {$1000.00} for each willful violation. I have not made late payments to companies XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX This in inaccurate reporting and needs to be removed from my credit report immediately or furher action will be in pursuit per the Fair Credit Reporting Act.
Product: Bank account or service

Chase Bank 's " Total Checking '' - the most basic account, is terrible. They do not even offer free checks, at any time. Worst of all, if you want to go the next step up, " Premier Plus, '' you have to have either {$15000.00} or a Chase Mortgage ( unless you pay a {$25.00} a month service fee ). There is nothing in-between. Account types are here : XXXX