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

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 2024, I've contacted XXXX XXXX XXXX to find out why thay are reporting a non-authorize inquiry to my credit report... I informed XXXX XXXX XXXX that I did not authorize ANYONE to run a inquiry. I explained that I contacted Equifax to ask for the removal of this inquiry and Equifax said that there's nothing that thay can do because XXXX XXXX XXXX is the company that is reporting it. I explained to XXXX XXXX XXXX that I have no open accounts that's connected to any services that XXXX XXXX XXXX XXXX proved. That this inquiry is truly foreign and unknown to me, it is definitely not mine ... And demanded that thay remove it from my credit report immediately. There is NO LEGAL VALIDATION of this inquiry to be reported on my report ... XXXX XXXX XXXX claims that there's nothing that thay can do.. Also This XXXX XXXX XXXX has no account num # on my credit report, it just shows posted date & there company name .... 

On XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX of 2024 I've contacted EQUIFAX and asked why are thay assisting XXXX XXXX XXXX in reporting inaccurate and incomplete credit information, According to the Fair Credit Reporting Act Section 906 ( a ) ( 1 ) ( A ), EQUIFAX are required by Federal law to VERIFY through the physical verification all accounts.. EQUIFAX replayed that there's nothing that can do, and was told to contact XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and an authorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. 

Personal Information : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX I have contacted equifax in regards to my credit report pulling is blank. My 2 different mortgage companies can not access the report. I have submitted documents and talked to numerous representatives. Nothing has changed but them keep telling to send documents of my identity over. I have been faxing for about 10 days now.
Product: Vehicle loan or lease

I received late notices on XX/XX/21, XX/XX/21, XX/XX/21 from Wells Fargo. I had this set up on automatic payments so I could not be late, but I was late XXXX  times with Wells Fargo handling the money. They did not have a payment on the phone option, or an online payment option if you did not have a Wells Fargo bank account. I did not have a Wells Fargo bank account so it was difficult to pay my payment on time if I did not pay it weeks in advance. When I called Wells Fargo to ask why my payment was late, she said not to worry about it, that we are given a XXXX week period for the " check to go through ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802.

Per the Privacy Act of 1974 as a federally protected consumer, it is my right to privacy. 

Per the Security Exchange Act of 1934, the certificate of indebtedness once deposit any credit balance on the account over {$1.00} should be credited to I the consumer. As the consumer in this credit transaction, I can not be late on a balance due to me the federally protected consumer. I have not received my check. 

Stating the consumer owes a debt that the financial institution agreed to discharge is a violation of oath by the trustee and their fiduciary duties.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appeared on my credit report today, and Im confused as to how they got there. I review my credit often, but this is the first time Ive noticed something off. I tried refreshing the page, hoping it was just a glitch, but the inquiries didnt disappear. This issue needs to be fixed urgently, and I ask that the documents I submitted are carefully checked to prevent this from happening again.
Product: Student loan

United Accounting Services ( UAS ) has incorrectly allowed my loan to accrue intersest and incorrectly charged me interest for extended periods of times. 

1 ) Charging interest while loan was in FULL DEFERMENT : incorrect interest being accrue while loan should not be accruing any interest ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; and record of my phone calls ( at least twice daily ) to UAS on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

2 ) Charging incorrect interest rate XXXX XXXX XXXX  when rate is 5.0 % ) XXXX XXXX XXXX XXXX XXXX XXXX one email and 3 phone calls so far with no response, denied speaking to an account specialist or supervisor directly. 

I have had upwards of 50 calls and email submission requests with customer service representatives at UAS where I am disconnected on, not provided information, have been told the issue would be rectified and it was not rectified. I have been denied the opportunity to speak with an account specialists or a supervisor on countless occasions.
Product: Mortgage

this is an ongoing complaint with Wells Fargo complaint # : XXXX. In there last response. I have provided them with Rental agreement and rent checks that were requested for the HAMP modifications in XX/XX/XXXX also as XXXX XXXX request proof of residency which I provided. Wells fargo has failed to respond to this undeniable proof. So can this be considered and admittance the deceived the Federal Government threw the HAMP program and XXXX XXXX in XXXX to obtain federal funded monies.Also after XXXX XXXX approved XXXX XXXX for the loan modification XX/XX/XXXX and asked for proof of residency which was provided he was then denied again Deception to a mortgage holder to cause this foreclose because of his age. In my opinion. Also Wells Fargo keeps ignoring the fact that after the loan modification approval XXXX XXXX XXXX XXXX would of been his primary resident which is all that should of been taken into considerations. Not the past.Also Wells Fargo refuses to provide ALL documents from both sides as requested. Why? Is this matter considered closed lawsuits can be filed.
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 Account # ( Last 4 ) XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( last 2 ) XXXX  XXXX XXXX 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 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: Credit reporting

to who it may concern i am having concerns about the Credit report company Equifax, i Pulled my Annual Credit Report online XXXX XXXX 17. I Receive it so that means that i prove to be who i was stating to be i reviewed it saw things that did'nt add up disputed in a letter and provided my social security and My driver license, then received a letter XXXX XXXX 17 stating that the Identification i provided does not match there files, So does that mean everything on my credit report is unreliable and unverifiable. i uploaded the letters
Product: Credit card or prepaid card

On XX/XX/XXXX, I was charged a foreign transaction fee for a transaction for a purchase through XXXX, even though XXXX is not a foreign company. Additionally, the IRS ( https : //www.irs.gov/uac/newsroom/irs-virtual-currency-guidance ) seems to indicate that purchases on this platform should not incur such a fee. I tried to dispute the charge but the website does not allow customers to dispute fees.
Product: Checking or savings account

On XX/XX/XXXX I received a call from someone who identified himself as a Chase representative he told me that thought there could have been suspicious activity on my account regarding a scheduled payment on bill pay. I explained that it was me that I set it up to pay my rent that would be due soon he thanked me and hung up. I tried to access my online account later that day and received an error message that I was locked out, I thought I might have just entered the wrong password and decided to take care of it latter. 
On XX/XX/XXXX appx XXXX i called Chase regarding my locked account and was told i had to go into a branch and provide positive Id in order to have it unlocked. I drove to the XXXX Branch and was told by the teller i had to see the Bank manager, the Bank manager then called me into his office where he told me the bank had no idea why my account was locked, he called someone i skied who he was calling he sternly said its the department that handles these things he was on hold for about 20 minutes then started talking to someone he then told me my account was closed he didntt know why my two options were to open a new account or wait for Chase to mail me my money in the form of a check in 3 to 5 business days. I told the bank manager that I needed that money to pay my rent he just repeated the options. I then told him he needed to get someone on the phone that that was not ok and I wanted my money. He said if I dint leave he would call the Police, I informed him to do so that I would like the documentation. Apps 15 minutes later the Police arrive I explained the entire situation to them and they took a report and told me theres nothing they could do. When I returned to my office I called the 800 number for Chase and was transferred to what they called the Executive Department i spoke to someone named XXXX who said she would make inquiries about getting my money sooner and told me I can call back and if she wasnt there anyone would be able to help me. Around XXXX I called and the lady who answered that XXXX was not there and I needed to talk to someone named XXXX but she wasnt there either, I asked what was XXXX title and she said that only give out first names and transferred the call I left a voice message explaining the urgency of my needing my money returned Immediately. On XX/XX/XXXX I talked at appx XXXX I spoke with XXXX from the Executive Dept., who apologized for the inconvenience and told me that since I verified my identity she has requested that I would be allowed to re-open my account, so I would have access to my money, I informed her that I no longer want to do business with chase and I needed my money to pay my rent, she apologized and said that could take up to 3 to 5 days.
Product: Credit reporting or other personal consumer reports

During my enrollment in the XXXX XXXX XXXX XXXX XXXX relief program, XXXX late payments were reported on my auto loan account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. A letter stating that these late payments were reported in error and corrections had been submitted to the XXXX major credit bureaus was procured. The late payments were removed from all three major credit bureau reports but now have reappeared on my Transunion report. I am requesting this be corrected. 

Additionally, XXXX auto loan has erroneously reported late payments to Transunion and XXXX for XX/XX/XXXX and XX/XX/XXXX. A letter stating that these late payments were reported in error and corrections had been submitted to the XXXX major credit bureaus was procured. I am requesting this be corrected on Transunion and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXXXXXX XXXX, DEPT OF EDXXXX XXXX, and DEPT OF ED/XXXX XXXXXXXX. Please delete ASAP.
Product: Credit card

I booked a flight on XXXX. After I put in all my information, a window came up offering me XXXX bonus miles after qualifying purchases. I applied for the card based upon their offer SPECIFICALLY to me. I complied with their qualifying purchases. I did not receive the bonus miles as they have a policy of not rewarding cardholders who opened or closed an account within 24 months. I do not remember reading such a qualification when I applied for the card or I certainly would not have completed the process. IF such a qualification appeared at all, it was not prominently displayed as was their offer. Citi is linked to XXXX as every time I make a purchase with Citi my mileage account at XXXX is credited. They should not make such a bold offer to me after I enter all my contact info if I do not qualify for the offer!
Product: Consumer Loan

I tried to correct information that Capital One Auto Finance has been reporting to the credit bureaus for several months now. I first tried a dispute through the credit reporting agencies, and the reported information kept being reported as " correct. '' I then tried contacting Capital One Auto Finance directly, was given the contact information for disputes, and tried to contact them to correct the information. I attempted to fax and mail the information regarding my dispute, gave well over 30 days time for them to respond each time, and still have received no response. This one item, if corrected, should drop from my credit report, and it is essential that it is corrected to give me the appropriate FICO score.
Product: Debt collection

So one day I went to get a oil change and them they told me that my car have some damage so they say I need to fix it so it wont get worse I first I was like idk so they told me about a loan and I say yes everything was going good until one day I found out that the repairs they say I needed they didnt do it so I call to make a complaint and they say that I was laying about it so I call the company of the loan and I told them that they used me to get money from me but they didnt listen to me so and the next day I went to the place to get a refund and they declared themselves in bankruptcy so now I still owe the money
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX Address XXXX XXXX XXXX Credit Bureau Name : EQUIFAX DATE XX/XX/year> RE : Social Security Number : -- XXXX To Whom It May Concern, This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. Specifically as it related to credit inquiries that I did not authorize, made by the following XXXX  : EQUIFAX Inquiries : 5 THE Proof is the PICTURES I sensed with the letter..

I did not authorize anyone employed by these companies to make an inquiry and view my credit report.

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals XXXX XXXX XXXX should you continue in your non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act My contact information is as follows : name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals O '' ce CC XXXX XXXX XXXX XXXX  XXXX is a copy of my drivers license, SS card and third form of ID.

Remove all addresses that not on the ID 15 USC 1681
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX Account number : XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Name These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card or prepaid card

i started the account ending in XXXX in XX/XX/2015 through the four year period I have been taken advantage of. Most recently a letter was sent certified mail to cancel it. The tracking number XXXX XXXX XXXX XXXX XXXX. It was suppose to be received on a Thursday but didnt get to American Express until a Friday Morning. The company is still trying to keep the account open. I want the account to be closed immediately
Product: Mortgage

Called ID of Robo and Potential Spam calls are received several times daily. 
Other calls that I can see in caller ID : XXXX XXXX, XXXX XXXX XXXX Qickenloans, XXXX, XXXX ( XXXX ) XXXX XXXX, XXXX XXXX, XXXX XXXX Also receive calls from XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate account in my credit report, I have paid off my account from them and I noticed that there are some late payments, I tried to verify it this company but get no response. The late payments is reflected differently across the different bureaus. This is a clear violation of my FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not remove fraudulent accounts from my credit report. I have submitted identity theft report, along with required identification. I also can not access my credit report online. I am XXXX and sometimes can not make it to my mailbox so I prefer online reports which I am denied access to. 
I put in first dispute on XX/XX/2023. I submitted all required documents. I re sent dispute certified mail which was delivered XX/XX/2023. Someone viewed my documents that same day because they cleared my inquiries that I disputed in the letter but failed to remove other fraudulent accounts. Equifax HAVE INCORRECT BIRTHDAY LISTED FOR ME AFTER I CALLED MULTIPLE TIMES AND SUMBITTED IDENTIFICATION. THEY WILL NOT FIX INCORRECT INFORMATION. I could not open gas and electric services for more than XXXX weeks because no company can pull my report to verify my identity because Equifax has it locked even after I sent in identification multiple times. 

Equifax violated FCRA 605B ( 15 U.S.C. 1681c-2 ) - ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all credit bureaus my identity theft reports with all fraud accounts attached told them I am a victim of identity theft. multiple unauthorized accounts opened in my name to be ignored and told to contact the furnishers. my police report # XXXX. I have also sent all information to the FTC. I have been provided with no contracts with signatures from any of these creditors or the credit bureaus showing how they believe this information is valid. These are not my accounts & I am not comfortable calling companies I have no business with this is preventing me from even renting a house. they have also been theft reports I demand this information removed & each company to send me the documents used for validation with legal signatures ( no print screens ) of bills I have no knowledge about
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent dispute letters to XXXX, XXXX, and Equifax ; disputing inaccurate items on my credit report. I was told that due to Covid-19 the credit bureaus were given 45 days to respond to disputes ; so I waited until after 45 days. Today 's date is XX/XX/2021, which is more than 2 months after I sent my dispute letters, and I have still not heard back from any of the credit bureaus. To just ignore my letters is totally unacceptable! In accordance with the Fair Credit Reporting Act ; since these companies failed to prove the accuracy of these disputed items, they must be deleted immediately. I expect immediate action to be taken, as I take my credit very seriously, and want to stop the damage that these accuracies have caused me. I have attached the letters I sent on XX/XX/2021 for reference.