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

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit card or prepaid card

See attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX. USAA DID NOT INVESTIGATE. 60 DAYS LAW GIVES BANKS TO RESOLVE FRAUD NOT FOLLOWED BY USAA. see attatched XX/XX/XXXX STATEMENT. **?? NO BEGINNING FRAUD INVESTIGATION CREDITS PROVIDED TO MAKE PERMANET. NO INVESTIGATION PROVIDED. see attatched STATEMENT XX/XX/XXXX ** ALL XX/XX/XXXX TRANSACTIONS ARE DUPLICATE CHARGES XXXX {$340.00} AND XXXX XXXX TOTAL {$470.00} TOTAL DUPLICATE CHARGES {$810.00} 1 ) USAA DID NOT INVESTIGATE FRAUD I REPORTED XX/XX/XXXX. 2 ) USAA DID NOT PROVIDE USAA CREDITS TO INVESTIGATE. 3 ) USAA POSTED DUPLICATE TRANSACTIONS OF XX/XX/XXXX XX/XX/XXXX {$810.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. ", is in violation of 15 USC 1692g. " Discover, '' were to notify me of this in writing 5 days prior. I was not notified. As the Original Creditor, only I can validate this debt. I do not validate this debt.Therefore, the following account must be delete from my report immediately " Discover, '' # ( XXXX ) The reporting of this account are violations of 15 USC 1681, and the Fair Credit Reporting Act { 15 USC 1681 ( a ) ( 2 ) ( B ) } : ( 2 ) EXCLUSIONS_Except as provided in paragraph ( 3 ), the " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issue of credit card or similar device. I never gave " DISCOVER '' any verbal or written consent to report anything on my consumer report. No consent is identity Theft. ( 18 USC 1028A ) - '' AGGRAVATED IDENTITY THEFT. ''
Product: Mortgage

I sold my house and repaid the mortgage ( mortgage holder Lima One Capital , LLC ).  During the closing process the lender was over paid by the closing company. The closing was XX/XX/2020 and the lender acknowledges receiving the funds wired by the closing company on XX/XX/2020. The lender also acknowledges the money that I'm owed but can not /will confirm when they will refund monies owed to me. I was told " We have many other loans and customers and can't say when they'll be able to send me my refund. '' The originally said that a check would be sent 30 days after close. Then they said they already mailed the check. Today they ( Mr. XXXX XXXX XXXX said " We have many other loans and customers and can't say when they'll be able to send me my refund. ''
Product: Debt collection

My friend XXXX XXXX and I, we had together a phone account on XXXX. A few months ago we decided to move the account to XXXX causing generating a debt with XXXX but covered by the XXXX XXXX XXXX because we were doing a Buy-Out. The XXXX company sent XXXX prepaid cards where XXXX were lost and we had to wait until the processed the new ones. During this time, the Company Amsher were calling trying to collect the debt for the XXXX account that was closed ( in around less than 3 month ) We explained to them that we were waiting the prepaid cards from XXXX in order to pay. XXXX XXXX, my friend, one day call me and says that a representative from Amsher was calling him continuously and he does n't speak XXXX, so I told him to allow them to call me directly. I spoke with a lady I do n't remember her name, but was the same lady all the time we spoke in many occasions, also we made a payment for around {$1600.00} with the XXXX first prepaid cards that arrived around XXXX 2017. On XXXX XXXX, 2017 this lady called me and says that I had to pay something in order to keep the arrangement they provided me, otherwise, will disappear, after making pression to pay something that day, I accepted to make a payment for {$300.00} for a debt that is not mine, that I am doing a favor, after the PAYMENT I told the lady that she has to wait until we receive the prepaid cards in order to pay the rest, because that debt is not under my name! Today, while I was checking my bank account, I found that my account was debited for {$1200.00} from AMSHER without any verbal or written authorization!!! they took the attribution to charge my account without know if I had money or not, without matter them if it would affect me or not, also I am traveling with my wife and my mother-in-law on Thursday XXXX, 2017, we already have the flights tickets and they had destroyed all my plans, because something that is not my responsibility and I am trying to help a friend mine, this IS NOT MY DEBT! 
My friend name is XXXX XXXX XXXX and the last XXXX number for his social are XXXX. There is no way to provide this information in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent sent a letter on XX/XX/XXXX To Equifax, XXXX and.Here is my Tracking ID Complaint XXXX, How ever it has been more than 30 days and the Credit bureaus have yet to send my investgation back, this is not making sence 15 U.S. Code 1681i - Procedure in case of disputed accuracy.if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer and reseller
Product: Bank account or service

XXXX, headquartered in XXXX, Pennsylvania, merged with First National Bank. Following the merger, online bank statements prior to the effective date of the transition ( XXXX/XXXX/16 ) are no longer available.
Product: Credit reporting

I have contacted Equifax regarding the following inquiries on my credit report that are adversely impacting my score. I have asked them to show me 1. permissible purpose. 2. Show me written authorization that I gave permission for the following companies to pull my credit and 3. Show physical proof that I initiated the inquiry and EQUIFAX is refusing to comply with my request. Instead they simply send me a letter stating that all inquiries must be reported as they show factual proof. I am sorry but without the above XXXX components they UNDER LAW are to remove the inquiries from my credit report. The following inquiries do not meet the XXXX components under the FCRA and EQUIFAX is in essence breaking the law and I am requesting that they either show me all XXXX pieces of proof that I have asked for and I am entitled to or I am asking that a FULL INVESTIGATION be brought against them for illegally sharing my credit information and breaking the law under section 604 of the FCRA. If they do not remove these immediately I will be forced to hire an attorney and sue them for damaging my credit intentionally by reporting inquiries that can not be verified and proven under the law. The following inquiries are to be removed since no proof can be submitted on their behalf. 
1. XXXX XXXX XXXX **I called this company and they find nothing to support a permissible request*** 2. XXXX XXXX **I called this company and they find nothing to support a permissible request*** 3.XXXX XXXX **I called this company and they find no evidence to support a permissible request*** 4. XXXX XXXX XXXX **I called them and they find no evidence to support a permissible request and no credit line was granted to me*** 5. XXXX XXXX XXXX Date of inquiry was XXXX **I called XXXX and they find no evidence to support permissible purpose on this date listed**** All XXXX ILLEGAL inquires are to be removed IMMEDIATELY as they are not following the letter of the law in section 604 of the FCRA. The law needs to be enforced here or they will continue to do damage to myself and others.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be.I sent every documents they required then they close my account. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Product: Checking or savings account

I had transferred {$3000.00} from XXXX XXXX to Citi Savings account on XX/XX/XXXX. Citi had some issues on their end and they blocked the posting of the funds. I called 3-4 times to see why funds weren't posting when XXXX XXXX had informed me that they had sent the funds already to Citi. Finally, onXX/XX/2019, Citi found the issue and corrected it and my funds posted on XX/XX/2019. However, this resulted in my losing interest on my money from XX/XX/XXXX through XXXX, wherein neither XXXX XXXX ( as  they had already sent the funds from the bank to Citi ) nor Citi paid me interest. I want my interest for 7 days to be provided by Citi at the best APR available.
Product: Mortgage

My prior loan servicer, Select Portfolio Servicing ( SPS ), is reporting my account as " foreclosure started. '' However, foreclosure proceedings were never initiated. 
On XX/XX/2012, my account was transferred from XXXX to SPS. Prior to that, I entered into an agreement with XXXX under XXXX 's Cooperative Short Sale Program. The loan was not referred to foreclosure by XXXX. 
SPS informed me that they did not participate in the " Cooperative Short Sale Program, '' but instead invited me to participate in " Cash For Cooperation ''. I accepted the invitation and the account was settled in a short sale. 
Thus, SPS is incorrectly reporting my account as " foreclosure started ''. This is damaging my credit score and causing me to pay significantly higher interest rates on financing.
Product: Credit reporting or other personal consumer reports

I sent credit dispute letters to Experian, XXXX, and XXXX on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I have not received documentation providing the results of these investigations into the inaccurate items I disputed.
Product: Debt collection

XXXX collection agency is reporting that I owe {$310.00}. I 'm assuming for XXXX. They put the report on me in XXXX XXXX. XXXX was not mine. I had ordered something from them over and closed the account. When I moved out of state I believe the account was reopened by my ex and his gf. I disputed XXXX XXXX XXXX and they removed there neg reporting and my balance to {$0.00} so I do n't owe this collection agency anything
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The I C SYSTEM XXXX shows derogatory information on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Checking or savings account

I had a lot of unauthorized transactions on my account back in XXXX that was not authorized by me at first chase credited me then out of nowhere took the funds back telling me I have to pay, now my account is negative XXXX and theyre closing it. I think this is completely unfair as fdic regulations covers me for things like this
Product: Credit reporting or other personal consumer reports

Credit Report Discrepancies Investigation Request Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccuracies in my credit report across all three major credit bureaus : XXXX, XXXX, and XXXX. Upon reviewing my credit reports, I have identified discrepancies that require investigation and correction under the Fair Credit Reporting Act ( FCRA ). 
I believe that my credit report contains inaccuracies that may impact my creditworthiness and financial standing. These inaccuracies are significant as they [ briefly describe how these inaccuracies may have affected you, such as impacting your ability to obtain credit, causing financial harm, etc. ].

I request that the Consumer Financial Protection Bureau conduct an investigation into the inaccuracies on my credit reports. I am attaching my contact information. 

Enclosed are copies of relevant documents supporting my claim, including copies of my credit reports. Please inform me of the steps the CFPB will take to address this matter and the expected timeline for resolution. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason : Inaccurate information I am writing to update/correct my personal information on file with your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent your " EXPERIAN '' a " POLICE REPORT '' in XX/XX/XXXX stating this XXXX XXXX accounts didn't belong to me. Experian deleted XXXX XXXX accounts off my credit report. One year later 'Experian '' put the XXXX XXXX accounts back on my report claiming that XXXX XXXX told them they belong to me. I went to court on XX/XX/XXXX before a " JUDGE '' I PROVED these accounts with XXXX XXXX DO NOT BELONG TO ME!! THE JUDGE DISMISSED THE CASE. I HAVE SUPPLIED SEVERAL COPIES OF THE STAMPED COURT DOCUMENT TO EXPERIAN. 

Experian is stating they will not accepted a certified stamped signed document from a 'FEDERAL JUDGE '.
Product: Credit reporting

XXXX XXXX is showing up on my credit report. I have called them to please have them remove my name as authorized user, due to an authorized user can delete them selves at any time. XXXX XXXX is saying it 's my responsibility to contact the credit bureau and have it disputed. Per XXXX XXXX my name is not on the account number ( XXXX ) The last name on the account is XXXX and the first name is XXXX
Product: Money transfer, virtual currency, or money service

Dear CFPB Team, I am writing to formally file a complaint against Western Union regarding an unresolved refund for a money order. Despite following their process, escalating multiple times, and waiting for over five months, I have not received my refund, nor have I received any satisfactory response. 

Here are the details of my case : Money Order Number : XXXX Amount : {$500.00} Date of Purchase : XX/XX/year> Case Numbers : XXXX, XXXX, XXXX, XXXX, XXXX Western Union initially informed me that a refund check was mailed to me on two separate occasions, but I never received them. After following up multiple times and waiting over a month each time, I was instructed to submit a new request with an in-store pickup option. However, this option was later denied due to the previous refund requests, causing further delays. 

This situation has caused significant stress and inconvenience, and Western Unions lack of resolution or communication is unacceptable. 

I kindly request your assistance in investigating this matter and holding Western Union accountable for their failure to provide the refund. I can provide additional documents and details if required. 

Thank you for your time and support. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have applied more than 5 times to have my credit card limit increased through Capital One. I have had the card for 11 and a half years now, and the limit is only at {$2100.00}. This limit has not changed for years, no matter the amount of utilization. 

My wife and I make over $ 200k combined, and I have received significantly larger limit increases from other banks in the last six months ( XXXX, XXXX, XXXX, etc. ) As a result of my longevity, credit score, payment history and income, I am formerly filing this compliant to get Capital One to give me the credit limit increase that is warranted.
Product: Credit reporting

The deleted personal information on my file keeps re appearing on my report and I would like for it to stop immediately. I have disputed with success this information 3 times but it comes back on my report often.
Product: Mortgage

FREEDOM MORTGAGE.We started a claim with our insurance company due to vandalism of our property. They issued the check without any delay, however, it had to be endorsed by Freedom Mortgage as well. We understand. HOWEVER, FM delayed the reimbursement by 3 months, for various reasons. Our house was under repair, and we had to pay out of pocket while we waited for them to process our claim check. During final inspection of the property, we scheduled with two separate inspectors, and they never showed up. Every time we called for status update, no one seemed to know the hold up, we experienced horrible customer service. We felt everything was done with intention to foreclose the home, we couldn't afford both the mortgage and the repair costs, because our insurance check never came through on time.
Product: Student loan

I have contacted my loan servicer and Federal Student Aid to try to clarify items on student loan account, It seems that some of the loan cancellation were not applied during consolidation. Each are saying I need to speak to the other. I started emailing in end of XXXX XXXX and last communication was XXXX/XXXX/20. 
Looking over the documents there is a {$15000.00} difference some of it is interest but that seems quite high. My original loan total was around {$35000.00} but consolidated was over {$50000.00}.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I demand that you uphold the provisions outlined in the Fair Credit Reporting Act, which gives me the right to dispute any inaccuracies in my credit file. As a conscientious consumer, I view this issue with great seriousness. However, I am gravely displeased by the unjust accusations of delinquency and detrimental data on my report, all of which are unfounded. I hereby formally request that you provide substantiating proof for my accounts ' adverse status. You must adhere to the stipulations requiring the thorough verification and documentation of all data before its use by creditors. I am disheartened by your apparent lack of due diligence and urge prompt remedial action on this matter. I am imposing a deadline of 30 days from the issuance date of this communication for you to address this matter. I anticipate receipt of tangible evidence of your efforts and an updated credit report. Should these allegations prove baseless, I insist upon accurate and validated information for each assertion, failing which, I will promptly request their removal. 

Listed below are the Personal Information that are being challenged : Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XX/XX/year> Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Employer - XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX