23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXX XXXX SS XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT
Product: Credit reporting or other personal consumer reports

I applied for credit at three different companies over a 1 month time period. All three creditors, ( XXXX, XXXX XXXX, and XXXX ) have told me that Trans Union prevented them from pulling my credit score. I complained to Trans Union and shared the responses from XXXX, XXXX XXXX, and XXXX. Trans Union says that can not help me because I need details on the blocked attempt from XXXX, XXXX XXXX, and XXXX. I went back to XXXX XXXX XXXX, and XXXX and explained that Trans Union says my credit in NOT blocked and I need details on why the pull did not happen. XXXX XXXX XXXXXXXX, and XXXX responded saying that Trans Union will NOT allow them to pull my credit score. I asked Trans union again and they gave me the same answer that I need to ask the creditors. At this point I can not apply for credit anywhere that uses Trans Union because they tell me that they can not get my credit score from Trans Union. I am stuck please help thanks
Product: Credit reporting or other personal consumer reports

Delete hard inquiries : XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>
Product: Debt collection

On XXXX XXXX I received a collection notification from Enhanced Recovery Center in regards to doing business with XXXX the amount of {$1200.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership. FCRA 804 prohibits this company from communication through interstate commerce ( 2 ) not state that such consumer owes any debt ; this is a direct violation under this sub chapter. It clearly states in the Fair Debt Collections Practice Act ( FDCPA ) section 807 ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. I, the consumer gave security interest in principal balance which means the security interest was provided for the individual to secure the obligation. It is according to the provisions and sub chapters of 15 USC 1692d ( 4 ) ( 1 ) to collect or attempt to collect any extension of credit. 15 USC 6802 obligations with respect to disclosure of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FXXXX XXXX XXXX XXXX is a debt collector for XXXX XXXX and they are reporting debt on my credit report for {$16000.00}. The debt is not valid because they can not verify me, and my consumer rights are being violated under the FDCPA. I am aware that XXXX XXXX received a big check from the government under the CARES ACT ( from XXXX XXXX XXXX ) for my household when the pandemic was GRUESOME AND DREADFUL and they still illegitimately got me evicted. Im being subsequently sent to collections by XXXX XXXX however the eviction was unfair and during COVID 19. I have disputed with Experian and they just keep updating the account!! XXXX XXXX violated my rights under 15 USC 1691, 15 USC 1681s-2, 15 USC 1692, 15 USC 1681a XXXX XXXX has violated my human rights and deprived me and my sons life and my personal information was sold to XXXX XXXX XXXX XXXX causing significant damage to my credit report with out my knowledge and consent!
Product: Credit reporting, credit repair services, or other personal consumer reports

Lets just say for many years but let 's just talk about 2021. So Since XXXX of 2021 every single month untill which is XXXX I have disputed/pleaded and requested for XXXX XXXX and Expe

rian to do their job. I have requested all 3 every single month to do a independent investigation on Certain things which inaccurate and falsely reporting on my credit files.Instead of following the FCRA Guidelines and doing a independent investigation on my behalf they have refused and keep defaming me and families by name falsely reporting these inaccurate and fraudulent activity which is in accurate or doesn't belong to me.. This includes Late payments when I was never late /inaccuracy in their own payment reporting history like XX/XX/XXXX30 late/XXXX 30 late/June OK XXXX 60 late and XX/XX/XXXX 30 late again Also reporting the same account twice same furnisher same dates same amount due literally the definition of double jeopardy. 

To Reporting collections like a apartment in a city I have never lived or will live To not reporting a statement of this account is being disputed To even reporting on a Account I closed months ago and was reporting as closed to currently 60 or 90 days late with a balance but still closed that because of their false reporting just dropped my score from a XXXX to a XXXX And alot more I can tell you once this taken care of to start And because of these inaccuracies and lies have caused me to lose numerous loans for my business.
Product: Payday loan, title loan, or personal loan

I was informed by Security Finance I owe {$900.00} for a loan. I found out that this loan was paid at the time of the contract with my XXXX XXXX XXXX XXXX. I process the payment again which is twice the payment by XXXX. I am getting calls about payment repeatedly. This loan is paid in full. account # XXXX. I mailed documents to the Corporate office on XX/XX/2022 with notices of cease and desist, remedy letter, letter to creditor, and conditional acceptance. This loan was paid in full twice.
Product: Checking or savings account

I have multiple ( over XXXX ) disputed charges from my cash app card starting XX/XX/2024 going back to XX/XX/2024. I filed the disputes with cash app starting XXXX XXXX. Cash App has refused to investigate, refused to provide documentation, ( the only documentation they have provided was a list of the charges I am disputing as not receiving what I purchased, showing those charges were paid ). They make it impossible to communicate with them, sending you to chat, then to a XXXX who never responds, then they close your issue and send you back to chat to start over. They are not transparent, will not give you any information to reach anyone, and do not follow any of the banking regulations for visa or checking accounts other banks have to follow. SOMEONE needs to regulate them and look into these disputes. I filed an initial complaint with the CFPB, Complaint ID XXXX. Cash Apps response was that they didnt investigate because they couldnt verify I was the owner of the account- I have verified my identity with Cash app multiple times confirming my social security numberC state issues drivers license, and address. I am shocked that the CFPB would allow them to close this case with such a generic response. This is simply another XXXX of cash apps tactics to get around banking regulations. They need to investigate these disputes and provide actual documentation for them if they are going to deny them. This has been going on for over a month. They also need to be required to have a dedicated line of communication for consumers to talk to them and submit information/exchange information. I would like all of my disputed charges properly investigated with documentation showing it was investigated, and if it was denied a valid reason/with documentation provided. They will not be able to produce that because I didnt receive what I was charged for.
Product: Checking or savings account

I opened an Ally CD account on XX/XX/2023 with $ XXXX funds. The day after, I realized I opened a wrong CD type : I wanted to open non penalty CD because my last experience with Ally non penalty CD was great, but I actually opened a fixed XXXX term CD. At that time, the $ XXXX funds were not deposited yet and the CD has {$0.00} balance, so I contacted Ally customer service and they are willing to close the account for me.

However after waiting for a week, I noticed the account is still not closed and the funds were also deposited into it. I contacted Ally again and this time they said I'll be charged {$200.00} for closing because I have $ XXXX in it, that's is estimated 2 month interests. 

I was shocked and feel being tricked. They claimed the account was closed but actually waited until funds being deposited, then told me to pay penalty. That's a terrible idea of earning money. 

I didn't have choices, so had to close and pay the penalty as they wish.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

Last year around XXXX I reached out to my loan processor Caliber Home Loans about a refinance on a property that I have with them. The loan processor said that it was possible and got all of the documents he needed from me. My payment at the time was {$1100.00} and I really needed it lowered. He told me that my new payment would be under {$1000.00} and that I would have a better interest rate. With all of the craziness going on in the world an extra {$180.00} per month dramatically would help me and my family out. This got even better when my payment was dropped down to {$940.00}. All of this was great and worked out perfectly, I thought. Fast forward to this year and all of a sudden, I am being told that my mortgage payment has gone from {$940.00} up to {$1400.00}! I almost had a XXXX XXXX trying to figure out what happened to my payment and what I was going to do in order to afford this. I called caliber and asked them what was going on with my payment increase. I was told that I had an escrow shortage on my mortgage because of insurance payments not being calculated correctly. The representative told me that the loan processor did not calculate my home to have windstorm. I don't understand how this could happen, especially since Caliber had done my original mortgage and can clearly see that windstorm was on there previously. The representative was baffled as well, she did her best to help me by extending the escrow shortage over 36 months. This made my payment {$1200.00}, which is more expensive than the mortgage I had before my refinance! This is ridiculous. Now my thought is that the loan processor clearly knew what he was doing and just wanted to turn through another mortgage regardless of the outcome to the customer, or windstorm is not required for my home.
Product: Credit reporting

Good-afternoon, I am submitting a complaint on Chex-systems because on or about XX/XX/XXXX I requested a Chex-systems report online because of an identity theft issue that I have. I reviewed my report and found a fraudulent account that was established in my name for the sole purpose to apply for a credit card in my name with XXXX XXXX, because if you are not an existing customer they require for you to apply in person. The identity thieves established this account and the account went in to charge off status once they used the credit card and deposits were never made to the account. There were also a list of fraudulent inquiries with several institutions they are as follows XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. The last time that I applied for a checking account was with XXXX XXXX XXXX which they have been my bank since the merger of XXXX. I sent in a fax to Chex-systems with XXXX different police reports that were filed on separate months because of the continued theft against my personal information. I have had a lot of frustrations with this issue as it has been my responsibility in contacting each institution and notifying them of the theft. I am filing this complaint and attaching a copy of what was sent to chex-systems by fax, in hopes of clearing my name from any negative reporting and inquiries that have resulted from the fraud that has been committed against me. My file should be reporting free of any charge offs and no inquiries against my report as i have not applied for a checking account since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I disputed a wrongful eviction on my credit profile due to the landlord refusing an emergency rental assistance check during XXXX crisis aftermath ( it was sent to them and they returned it ), and refusing to provide my tenant information to the emergency assistance program for me to receive more assistance. This caused my XXXX XXXX XXXX son ( at the time ), and I to be unnecessarily evicted and unable to get assistance for another home, leaving us homeless. Once the information was disputed, it was immediately removed from my credit profile. I am now in a better financial position but unable to get into a home because the wrongful eviction is still on my records and in my tenant report. The eviction occurred at the XXXX XXXX XXXX XXXX  in XXXX, Fl. I filed a complaint at that time, with the Consumer Protection in XXXX XXXX but was unable to get a resolution before the eviction was completed. I was advised to take the matter to small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following accounts. 

XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX CARD XXXX XXXX XXXX I haven't checked my credit report in a long time. I went to the bank to get a home loan and was informed of these accounts. I don't know who could have done this. This is identity theft and a nightmare.
Product: Credit reporting or other personal consumer reports

Please be advised that as ofXX/XX/2024as listed on my most recently reviewed XXXX XXXX XXXX, there are several frauds/ or unauthorized information these accounts were sold for less to a third party, please see the below accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Please remove it from my credit report. 
I am hereby notifying you that neither of those accounts are correct, I have not given XXXX XXXX XXXX permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated.

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to XXXX XXXX XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting my personal financial information to the credit agenciesExperian, XXXX, and XXXXwithout my written consent for XXXX accounts ( accounts starting and ending in XXXX & XXXX. Effective immediately, they need to cease submitting this information, as it constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

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. '' Experian, XXXX and XXXX are consumer reporting agencies and I am the Consumer. 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. '' XXXX XXXX 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. '' XXXX XXXX, the financial institution and the Consumer reporting agencies Experian, XXXX 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 Experian, XXXX, XXXX, and XXXX XXXX, 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. '' XXXX XXXX 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. '' These accounts are an adverse item XXXX XXXX is 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. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of their reporting services.
Product: Credit card

There is an inquiry for a credit card that i did not inquire about. I did notify XXXX about it. They said they'd notify chase bank and told me to file complaint with FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXAcc # XXXX XXXXAcc # XXXXXXXX XXXX XXXXAcc # XXXXXXXX XXXXAcc # XXXXXXXX XXXXAcc # XXXXXXXX XXXX XXXX-Acc # XXXXXXXX XXXX XXXX-Acc # XXXX Has violated my rights. 

15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 section 2 also state a consumer agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau XXXX credit report. I recently retrieved my credit report and it showed ( number of hard inquiries you are disputing ) credit inquiries that I have no knowledge of ever authorizing. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 


XXXX XXXX AUTOS Inquired on XX/XX/2024 Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  FINANCIAL Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  XXXX  Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  CARDS XXXX Inquired on XX/XX/2024 Business Type : Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, XXXX By mail only XXXX XXXX Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  FINANCE XXXX XXXX XXXX XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX  XXXX Inquired XXXX XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 Business Type : Credit Unions XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  XXXX on XX/XX/2024 Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 Business Type : Finance Companies - non specific XXXX XXXX XXXX  XXXX  XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 Business XXXX XXXX Finance Companies - non specific XXXX XXXX XXXX  XXXX  XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX CO Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud stated in my XXXX XXXX as a result of identity theft. 
I want to see what I can do to resolve this issue and I can't open any bank account as a result of it.