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

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not initiated any transaction with your COMPANY. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with yor company for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Checking or savings account

I opened a checking account with US Bank on XX/XX/XXXX, under a publicly advertised promotion to receive a {$500.00} bonus for making two direct deposits totaling over {$10000.00} within 90 days of account opening. I fulfilled this requirement with deposits on XXXX XXXX XXXX XXXX XXXX, but the bonus was not credited as promised. 

The promotional terms, accessed via an online public offer via XXXX search, did not specify any geographical or demographic targeting. Despite this, after multiple customer service interactions totaling over five hours, where service representatives confirmed the promotion was applicable and repeatedly assured the bonus would be paid by specific dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no bonus was paid. 

During these calls, there was a lack of continuity ; representatives did not have records of previous interactions. An investigation was promised on XX/XX/XXXX, with a follow-up within five business days, but no follow-up occurred. When I called again on XX/XX/XXXX, I was informed that no active investigation was in place and no notes had been recorded during prior calls. 

Contrary to prior confirmations, US Bank now claims ( as of XX/XX/XXXX ) that the offer was targeted and my address did not qualify. This contradicts the terms of the offer and the information provided by multiple representatives. I have screenshots and video evidence of the offer, which is still publicly available. Here are the original terms verbatim from the promotional page : " Earn your bonus. Open your checking account online through this page, in a branch or over the phone by XX/XX/XXXX with an opening deposit of {$25.00}. Then complete the following steps within 90 days of account opening to earn your {$300.00} or {$500.00} bonus : 1 ) Enroll in the U.S. Bank Mobile App or online banking ; 2 ) Complete two or more direct deposits. Your bonus is determined by the total amount of your direct deposits : Earn {$300.00} when your direct deposits total {$5000.00} to {$9900.00} ; Earn {$500.00} when your direct deposits total {$10000.00} or more. '' Additionally, under the FAQ section, it states : " Can I share this offer with family and friends? Yes, as long as they do not have a U.S. Bank consumer checking account or had one within 24 months of account opening. '' As of today, a similar offer can still be accessed publicly, indicating no targeting or exclusivity was intended. This situation demands immediate resolution, restitution for the uncredited {$500.00} bonus, and a formal investigation into the misleading practices and failures in customer service at US Bank.
Product: Checking or savings account

I had online banking now for a while but recently Truist took over and now I can't get anything done. Last time I tried making a payment and it locked my account twice for no reason. Now it locked it again because it says I entered the wrong password. I entered the right password. Then it says I entered the wrong debit card number, when I was entering the right number. It said I had to call their customer service number. I was on hold for an hour and when I reached the customer service person she immediately hung up. Just like last time, they are telling me they can't help me unless I come into the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my inquiries with XXXX, XXXX, and Experian several times over the last year with no results. I have never authorized nor consented to inquiries from XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX to furnish any information/inquiries on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX from XXXX/Cybercollect back in XX/XX/2017 - At the time she was the manager of the dispute department. I was advised to send in copies of my bank statement at the time confirming debts were paid. 

I then followed up with XXXX after the fax was sent to ensure they were received. I was advised that the incorrect information would be rectified during the next cycle of reporting, or within 30 days. 

To date, these accounts are still showing up on my credit report every month. - Even worse, the debt collector changes the dates ( makes them appear more recent ) to allow them to continue to report them. 

When I asked the collector at XXXX/Cyber collect why the dates appear newer than what they are, she advised me that this is a practice that " allows them to continue reporting the debt '' - This is not FAIR, ACCURATE and frankly AGAINST the law. 

I am requesting that these damaging items be removed from all three credit reporting agencies. 

Respectfully, XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the XXXX Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, AL XXXX ; XXXX XXXX G XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX  XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX CO Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I need to unfreeze my credit with Experian in order to open a new joint checking account at my spouse 's bank. I can access my accounts with XXXX and XXXX XXXX, however I can not login to my account with Experian, which is the credit bureau the bank uses to vet account holders. 

I tried resetting my Experian password online, however didn't receive their text prompts to my phone. I suspect the phone number is inaccurate in their system. There's no alternate password verification pathway that doesn't involve my phone, such as email verification. 

On XX/XX/XXXX and XXXX XXXX I tried calling multiple Experian customer service hotlines including : - XXXX ( XXXX ) - XXXX - XXXX - XXXX None of the automated phone menu options could resolve my issue, nor was I ever able to connect to a live person to help me get access to my account information. 

I also emailed their online support ( XXXX ) and received an automated response that the email account was " decommissioned '' ( messages attached ). 

I'm at my wits end about how to correct my contact information and get access to my own data. I have no choice whether my data is managed by Experian or not, however I do need access to my own data through their service. My data has been included in numerous breaches including the Federal government and Experian data breaches. I need to keep my credit frozen to protect my identity and need access to control those freezes in order to manage my financial health.
Product: Debt collection

I have a medical bill that is in collections. That I received no bill for in the mail and no written notice that it was even in collections. 
And looking at the timeline from when it went into collections It was around a time that I had filed an identity theft report with each of the credit bureau 's. I have tried to dispute this with XXXX XXXX XXXX  credit bureau 's. Because that's where it's showing up at. And they have verified that the information is all mine and therefore it must be mine. Yet I have no written bill or any kind of attempt to collect on the bill or to collect on the collection debt.
Product: Debt collection

The company listed on the attachment posed as a debt collector for the department of education. Leading me to believe that my debt would be settled and cut in half if I agreed to make a one time payment. The company told me that the department of education would be paid in full by them. Months later I received a call from another agency representing the department of education, " saying the debt still remains and nothing was paid off. "
Product: Debt collection

Repeated phone calls ( by very polite operators ) regarding some type of traffic violation in  XXXX   (?  ) IL by someone driving a  XXXX . I do not ( have not, will not ) own a  XXXX , have no idea where  XXXX   (?  ) IL is, and probably have never been there. My attempts to get these calls to stop have been unsuccessful because all they want is $ $ $ $ $ $ $ $ with no documentation of the debt, and no research of who they are calling. Annoying, and offensive to be called at my work phone number about something that has nothing to do with me at all. The pleasant phone staff does not make up for the constant harassing phone calls.
Product: Credit reporting or other personal consumer reports

I am writing to address the unresolved issue regarding my previous complaint against Credit Acceptance Corporation ( CFPB Report # XXXX ). Despite their response dated XX/XX/year>, in which Credit Acceptance Corporation stated, " Credit Acceptance has made a business decision to close your account and will submit a request to the three major credit bureaus to which we furnish information to update the account status as closed, '' they have not fulfilled this commitment.

Since their response, I have disputed the account with the three major credit bureausExperian, XXXX, and XXXX. However, in the most recent response from XXXX on XX/XX/year>, they reported that Credit Acceptance Corporation verified the account as accurate, continuing to reflect the account as open. This inconsistency demonstrates negligence on Credit Acceptance Corporations part, as they have failed to take the corrective action they promised.

The Fair Credit Reporting Act ( FCRA ) mandates that information reported to credit bureaus must be fair and accurate. Specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits the furnishing of information to consumer reporting agencies if the furnisher knows or has reasonable cause to believe the information is inaccurate. 
XXXX XXXX. XXXX ( b ) : Requires furnishers to investigate disputes forwarded by credit reporting agencies and to correct or delete inaccurate information after completing their investigation. 
XXXX XXXX XXXX failure to update my account status as closed, despite their explicit promise, and the subsequent verification of inaccurate information with the credit bureaus is a direct violation of these provisions. Additionally, this negligence undermines consumer trust and highlights a disregard for fulfilling commitments made to resolve disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon my name is XXXX XXXX I ask the credit bureau how did they verify the bankruptcy on my credit report and they sent me a letter stating that it's been verified through the USB Court Northern Illinois docket # XXXX I disputed this some time in XXXX of 2022 I receive the letter XX/XX/XXXX-XX/XX/XXXX-2022 and this is not accurate
Product: Credit reporting or other personal consumer reports

I was part of XXXX XXXX XXXX Breach Settlement and I am filling this FTC Identity Theft Affidavit to report XXXX separate accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts have resulted in a fraudulent hard inquiries from XXXX XXXX  and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

This CFPB compliant has been filed to request pursuant of FCRA 605B ( 15 USC 1681c-2 ) that you, Transunion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft during the XXXX XXXX XXXX and XXXX within XXXX business days of you receiving this compliant. This fraudulent inaccurate and false information consist of a personal credit card account opened XX/XX/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. I have attach a list of the hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiry in questions as well as a copy of the itmes. I do not recognize the aforementioned accounts, collections and hard inquiry appearing on my consumer report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts collections and hard inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identify Theft Criminal Complaint case number as proof form the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiry are result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Trans Union, asking them to investigate errors on my credit report. This letter was mailed to them on XX/XX/XXXX. Over 30 days have passed, and they have not responded yet.
Product: Vehicle loan or lease

I claimed Bankruptcy and been paying on Fifth Third Bank auto loan as I was supposed to. On 3 different occasions I called in to make payment and the representative failed to process payment appropriately and it never registered as being paid and this put me behind in the payment. I tried yesterday to make a payment and they informed me that I needed to pay the entire balance and that the vehicle is in repossession. My bankruptcy attorney is communicating with them. They would not let me make a payment. They claimed that there was never an affirmation agreement by the court submitted. My attorney informed me that they would not let her file it because the account was delinquent. The account was delinquent because they failed to process payments on 3 times that I called. I do not get any statements or correspondence from Fifth Third. I ask of a confirmation number and they give me an operator number but no confirmation number. I made my last payment on XX/XX/XXXX 2017 for {$400.00} which brought me to one payment behind. I would be no payments behind if there was n't such confusion. In addition, they kept bouncing me to Fifth Third regular business and Bankruptcy business and this further confused the issue because the two departments do not communicate appropriately. They are demanding full payment and there is no way I can do this right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX NA., XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { Consumer disputes this account information Medical Subject has not XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXXXXXXXXXXX**** -XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX  XXXXXXXXXXXXX**** -XXXX XXXX - - - - 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 an account without my written instructions.
Product: Checking or savings account

I received a letter from US Bank dated XX/XX/. RE : Account XXXX ending in XXXX and Case Number : XXXX that my account was being closed and if there was a positive balance, a Cashiers Check for {$240.00} would be mailed within 15 business days once all previously deposited items have been verified. US Banks investigation was completed on XX/XX/. On XX/XX/, I called the U.S. Bank, Branch Operations Manager of XXXX XXXX XXXX XXXX and asked when my funds for {$240.00} would be mailed? XXXX XXXX said not for at least 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I applied for a Bank of America cash rewards credit card. I applied once and the credit card was approved for XXXX USD. However they pulled my credit score more than once and I noticed that I have 3 hard inquiries the same date from the same bank dropping my credit score a lot. 

I tried calling and discussing with bank of America without success Please help
Product: Mortgage

I had a loan with Wells Fargo for my home beginning in XXXX. In XXXX my late husband passed away, while I was trying to keep the house and find options ( because the paperwork we originally filled out which was to have the mortgage paid off if one or both of us passed suddenly disappeared ). Well Fargo was not much help at all and I ended up loosing the home via foreclosure. I believe that this falls under a settlement that is currently going on and the bank has not reached out. Needless to say I will NEVER use Wells Fargo for anything ever again, but this put my two children and myself out of a home and me having to plan a funeral to shortly after find a new home that I had to rent. Ever since then I have spent way more money on renting versus paying a mortgage.
Product: Credit reporting or other personal consumer reports

I filled a complaint about a Inquiry that I did not recognize on my credit report, provided Equifax with an Id Theft Report, Copy of ID, SSN card, and billing statement. They refused to remove it and stated it was because they didn't think I submitted it, so then I filed a complaint here and once again they refused to do anything about even with the FTC report and the CFPB failed to do anything either. I once again am complaining about it and I have had the FTC report notarized. This will be my final attempt to work this out, my next step will be obtaining a consumer rights lawyer and seeking remedy. 

Here is their response from this very platform : Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Inquiry : XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. Inquiry : EQUIFAX MORTGAGE SER INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. IN REFERENCE TO YOUR QUESTION REGARDING INQUIRIES : INQUIRIES ARE A MATTER OF FACT AND ARE NOT ROUTINELY REMOVED FROM THE CREDIT FILE. THEY ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. THEY MUST REMAIN ON THE FILE FOR TWO YEARS FOR EMPLOYMENT PURPOSES AND ONE YEAR FOR OTHER PURPOSES. HOWEVER, IT IS OUR POLICY TO RETAIN ALL INQUIRIES FOR TWO YEARS. INQUIRIES ARE ALSO FOR THE CONSUMERS BENEFIT, AS YOU HAVE A RIGHT TO KNOW WHAT FIRMS HAVE ACCESSED YOUR CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.
Product: Debt collection

Company named " XXXX XXXX XXXX  '' filed for their bankruptcy. I was using their XXXX service and the treatment was still in XXXX but no one is supporting from their side on how to go ahead with XXXX and XXXX payments. They had given a XXXX XXXXXXXX XXXX as well. 

Since this company is not able to provide me treatment and my XXXX XXXX XXXX, I stopped their future payments [ XXXX XX/XX/XXXX ] and raised dispute around XX/XX/XXXX on last payment made on XX/XX/XXXX which was done with a third party company called " XXXX XXXX XXXX ''. This company is handling XXXX for XXXX XXXX XXXX. 

When I stopped their payment, I got a letter from them around XX/XX/XXXX and they are threatening me to send the amount to collection which is going to impact my Credit Score. Had a call with their Executives and explained the complete situation of Bankruptcy [ which they were aware of ] but found no solution and because this was going to impact my credit score, had no other way but to start the payments again.