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

I recently reviewed my updated personal credit report and noticed that unauthorized credit inquiries remain. It seems my credit has been compromised under your watch. Despite submitting FTC report # XXXX, these inquiries have not been removed. I previously contacted the companies listed below, requesting them to remove these unauthorized inquiries from their records and all credit reporting agencies. They assured me they would comply. Each company received a certified letter indicating the inquiries were unauthorized, and I asked for their removal. I am requesting immediate deletion of the unauthorized inquiries listed below. The purpose of this complaint is to address several unauthorized hard credit inquiries on my credit report. There are still FOUR ( 4 ) unauthorized inquiries listed. Enclosed is my new FTC report for your reference, number XXXX. I am disappointed by your lack of action. When will the Equifax and XXXX remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries. Also, I am requesting the XXXX to please remove these inaccurate addresses from my credit report as well : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This complaint serves as a notification that if these inquiries are not removed from my reports, I will be filing a lawsuit. My attorney is aware of my intentions and is ready to hold you accountable for noncompliance. This is the Equifax 's and XXXX 's FINAL NOTICE. Please remove the inquiries resulting from erroneous credit reporting. Thank you for addressing this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX XXXX  info @ least once on all 3 reporting companies and obviously they all get the same info from XXXX.this acct is from XXXX and should be removed. I have been told by XXXX it would age off XX/XX/XXXX, Experian XX/XX/XXXX. However now XXXX has changed acct closed dates to XX/XX/XXXX. I have been unable to secure an auto loan since this, even though I had a paid as agreed XXXX XXXX just paid off XXXX ago. I was told by Finance mgrs they have never seen a closed auto loan be re opened ever much less 7 years.later. I can't get any help from credit agencies and don't understand their broken english. I'm not real savy with this but I hope you could investigate and fix.this. I have never filed a cplaint before but I am being mistreated here and if you look at all dates and documents I know you will understand what is going on. Please help, I have worked hard to fix things and now I get turned.down.for.everything. looking.to use my VA loan to buy a home, I'm a 40 % XXXX XXXX XXXX and I'm not asking for a favor just want this.to be fixed correctly. Also I'm sure last payment was in XXXX. I lost my job couldn't make payments and in XX/XX/XXXX I started getting my SSDA and soon after.my Veteran.Diability or this would never happened. That's why I think XXXX last payment.i just want to know when this will be removed as XXXX XXXX  is mad at my disputing but I know they have changed dates etc... Very sorry this is long but I'm very upset and can't get help and will this cover all 3 bureaus? Thanx, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquires that i did not authorize XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX, Equifax mortgage service XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Wrong information addresses XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX employer XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding 12:51 the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

I wanted this card to help me fund a rather large purchase, about {$7000.00}. 

I came across this credit card because i was searching for cards with good intro APR and balance transfer terms.This card came up and the USBank site advertised " For a limited time, get a special 0 % introductory APR* ( view terms and conditions ) on purchases and balance transfers for 20 billing cycles. After that the APR is variable, currently 14.49 % 24.49 % ( view terms and conditions ). Plus theres no annual fee ( view terms and conditions )! '' Based on this information, i decided to apply for the card based on this information. My plan was to make the purchase with the new card or make my purchase on an existing card and then take advantage of the " special 0 % '' fee on the USBank card. So I filled out the application. 

During the application, i found out that in spite of my excellent credit score, over 750 on both XXXX and XXXX, i was given a credit balance of only {$5500.00}. This was not even enough to cover the purchase. I accepted it because 1 ) my credit was already hard pulled at this point and 2 ) there was the balance transfer offer i could use. So i decided to go the balance transfer route. 

Now that I've submitted the balance transfer, I notice a charge for {$130.00} as a transaction fee! I then called customer service and they informed me that this is an expected fee. 

I feel this is a bait and switch and that i was lied to. This was not disclosed in the initial offering link that i followed. 

I would not have applied for this card if i had known there would be a fee. 0 % APR on balance transfers for 20 months does not mean that they get to charge me a percentage on any other fees that they decide to name something else. 

I have used balance transfers in the past and the fees have ALWAYS been disclosed on the offer itself! Burrying that information in disclosures and semantics is unfair and deceptive business practice. This is unacceptable!
Product: Debt collection

On XX/XX/23 I received a voicemail from XXXX XXXX stating that they have received a letter from the XXXX XXXX XXXX XXXX ( XXXX ) stating that they were unable to complete my registration on purchasing a new vehicle due to a collection balance owed to them and judgement by Hammerman & Hultgren, PC. XXXX XXXX calls Hammerman & Hultgren and spoke to a collection representative which then proceeds to share my balance owed to XXXX who works at XXXX XXXX and also falsely states that the debtor has put a lien on my vehicle which I was trading in. I spoke with a representative on XX/XX/23 to get more information pertaining to why my information was discussed with a third party. On XX/XX/23, We also discussed what was needed to get the registration hold removed from the XXXX. I received screenshots via text message from XXXX with XXXX XXXX where he wrote down the amounts of my debt owed to Hammerman & Hultgren. Keep in mind that my debt does not have anything to do with my vehicle that was being traded in. This information should not have been shared without my authorization. This is a violation of my privacy and personal information.
Product: Credit card

The company made a misleading offer about opening a credit card account as registered in complaint ID # XXXX provided the following dispute/resolution : Citi ( R ) / XXXX ( R ) Account ending in XXXX XXXX XXXX : Thank you for speaking with me about your inquiry that was submitted to the Consumer Financial Protection Bureau regarding the promotional offer related to the above-referenced account. 

I regret any misunderstanding that occurred related to the promotional offer associated with your account. The offer is to earn XXXX bonus XXXX ( XXXX ) miles after spending {$3000.00} in purchases within the first three months. You may then redeem the miles for XXXX round-trip tickets with XXXX XXXX. 

I appreciate the opportunity to respond to your concerns. 

Sincerely, XXXX XXXX Response XXXX REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE*Our telecommunication number for our hearing impaired customers is XXXX. 

XXXX, XXXX and XXXX XXXX are marks of XXXX XXXX, XXXX. 

XXXX XXXX reserves the right to change the XXXX ( R ) program and its terms and conditions at any time without notice, and to end the XXXX ( R ) program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, XXXX miles earned through this promotion/offer do not count towards elite-status qualification of XXXX status. XXXX XXXX is not responsible for products or services offered by other participating companies. For complete details about the XXXX ( R ) program, visit XXXX. 

-- -- -- -Despite this explanation I did spend over {$3000.00} in purchases on the card and still have not received the XXXX bonus miles. It is especially clear now that this company has committed consumer fraud
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX " Dept Of EDXXXX '' XXXX reporting an account/s to my Consumer reports that I didnt give any express permission or permissible purpose to report which is a violation of my rights according to law. 15 USC 1681b ( 2 ).

As a Consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My personal information is my business, my student loans are my NONPUBLIC personal information and Dept Of ED/XXXX have reported my nonpublic personal information without my consent to a non-affiliated third party which amounts to AGGRAVATED IDENTITY THEFT. 18 USC 1028A.

15 U.S. Code & 6801 - Protection of nonpublic personal information It is the policy of the Congress that each FINANCIAL INSTITUTION has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information.

According to the FCRA the above servicing company has violated my rights by providing my confidential and private information to a non-affiliated third party without my permission or without giving the proper disclosures.

Pursuant 15 USC 6802 Account # XXXX x XXXX
Product: Bank account or service

XX/XX/XXXX, I had a personal checking and savings account with Bank of America in XXXX XXXX, XXXX which I had for a total of XXXX years. The account was closed by BOA XX/XX/XXXX due to account abuse. Now I may have had some overdraft fees but it was never to a point where I abused my privileges. In fact, I recall boa refunding a portion of the funds bank into my account for making a mistake of charging me overdraft fees for transferring funds from my savings account into my checking. They were also involved in a civil suit due to over charging overdraft fees to customers like myself. The account was closed and I had a final balance to pay which is not paid in full but now fast forward XXXX years later, I now resided in XXXX, XXXX and recently started XXXX and I am unable to open a XXXX account because boa has reported me to a company called early warning services. I have been denied from every financial institute you can think of and this is becoming a huge burden and hindering the progression of my business. I have tried everything from disputing the info, providing documents showing it has been paid in good faith and spoke with early warning several times and I am being told that the information will stay on my record preventing me from opening a new account for a total of XXXX years! This is absurb!!! I would like this resolved promptly before the next XXXX years I need an open active account and this is unfair and unjust treatment due to a minuscule amount owed to boa but has been paid in full. These big banks have been XXXX XXXX of people like myself for decades and it is time for them to stop treating hard working honest people in such a horrible way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested verification and validation of an account on my report from XXXX XXXX I have sent 5 letters since XXXX to both XXXX XXXX and each credit bureau. I have not received a response to my validation request nor have I received a response to my method of verification request. Each time though, the credit bureaus update the account as verified but the account has never been verified. It is the legal duty of each bureau to only report accurate and verifiable information. 
Letters were sent on XX/XX/2020, XXXX, XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have not received a single response from either letter.
Product: Prepaid card

I was scammed through my computer through cash app. A friend of mine was scammed as well. Cash app did the investigation but, they say that I authorized the transaction but I did not as I was scammed as well. On XX/XX/year> my computer stopped working and a message from XXXX flashed up that my computer was being hacked or words to that effect to call the flashing number to get the hackers out of my computer. Me like a XXXX called the number and the rest is history. I've had to cancel ALL of my banking information, contact the Maryland Department of Transportation as my ID is involve and requested an investigation through Cash App as that is where they got through. Cash App refuses to return the money I lost through my Bank Account through XXXX and a friend of mine was affected to the tune of {$450.00} which I pray she can recover. 

They used my ID and other information. I have contacted the MDOT, all my banking institutions and my wireless provider so they can send me another box to erase my TCPIP.
Product: Credit reporting

RE : acct XXXX I spoke with XXXX On XX/XX/2017 and agreed to do a pay and delete on an outstanding debt. As of XX/XX/2017 I paid the agreement amount of {$130.00}. However, since that time the debt still appears on my tradeline with all XXXX credit bureaus. I have spoken with several agents and supervisor and recently spoke with a manager named XXXX who on several occsians, most recently XX/XX/XXXX and XX/XX/XXXX who indicated information was sent to have the tradeline removed and yet it still appears. I was also advised on several times by the same manger that he would have a delete letter sent and its has now been two weeks and still no letter. Several phone agents advised that the same letter would be emailed, and still no letter. However the manager advised the letter could only be sent via mail. I have received nothing but conflicting information, and now that my debt has been paid they are refusing to remove the information from my tradeline. These collection agencies collect on accounts but then they do not honor the agreement. The requested documents are never sent and when you call, you are either disconnected or told there is nothing they can do. In my recent conversation with XXXX he advised that they would not contact the credit agencies and that he could not control the mailing time. He also indicated they would not be re-sending a letter. This collection agency has used false practices so that I could pay the debt. Now the debt is paid and still remains on my account and is still affecting my score, although it has been paid. I was told my the initial phone agent, several agents in between and the manager that the debt would be marked as paid and DELETED BUT NOTHING HAS BEEN DONE. Please assist me in getting this matter resolved and accept my complaint against the misrepresentation of this collection agency.
Product: Mortgage

I closed on my home mortgage from XXXX XXXX XXXX. I received a letter from Wells Fargo Home Mortgage dated XXXX XXXX, XXXX that the loan was transferred from XXXX to them. I had no prior notice of this from XXXX or Wells Fargo. I thought I was to be sent a notice of assignment 15 days prior to the transfer/servicing of the mortgage. Section 6 of the Real Estate Settlement Procedures Act..I went to XXXX, Va. court house and got a copy of the deed and the date of assignment on the deed is XXXX XXXX, XXXX to Wells Fargo Home Mortgage from XXXX. I feel I was mislead by Wells Fargo by the letter they sent me on XXXX/XXXX/XXXX. I have been making payments to Wells Fargo since XXXX/XXXX/XXXX and was told on numerous times they held the deed to the property, when in fact they did n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Product: Credit card

I have been working really hard over the last 2 to 3 years paying down my credit cards. I have made all my payments on time, I have paid extra and sometimes XXXX to pay off my credit card debt. I have not purchased any cars, used additional credit NOTHING .... Just paying down my debt. working hard. My credit card account had a balance of {$24000.00} I paid it down to {$17000.00}. I had it down to 71 %. Now they lowered my credit limit to {$17000.00} now I am at 97.3 %. My credit scored just plummeted for working hard!!!!!!!! ... My other account was at {$10000.00} and I paid it down to {$5800.00}. I had it to 58.8 % they just lowered my credit to {$6200.00} now I am at 94.9 %. Zapped my credit score just fell through the floor again. I could understand if I was not paying my bills. If I was running up credit cards, if I took out a bunch of loans. But I have not done any of these. I am a hard working, mother of XXXX who pulled through the tough times and trying to build up my credit because we all know, everything we want or need is built on Credit in this wonderful US of A. We live in a small house and was saving up to make a bigger home for my kids and CHASE just took everything away because someone is sitting there hitting buttons without anything else better to do. ITS NOT FAIR!!!!!! Obama had them add all those disclosures to the cards to help people learn about credit card debt and help them get out of debt. I could have filed bankruptcy a long time ago, just like the banks, instead I continued to pay all of bills and now have been paying extra and CHASE just XXXX me and my whole family. I will pay off the rest of this debt no matter what, but I will find a way to remove everything I have from Chase. And I mean everything. I can not believe they rule mine and my childrens future when I have worked so hard. Read my credit report. No LATE PAYS 5 Years plus!!!!! No Cancellations!!!! No Bankruptcies!!!!!. More than Minimum always paid!!! And this is what I get. My Credit score has now dropped from a XXXX to XXXX .... OVERNIGHT. NOT FAIR!!!!!!!!!!!!
Product: Credit reporting

I authorized XXXX XXXX to do a credit inquiry for financing, I did NOT authorize XXXX Bank, XXXX Bank, or XXXX Bank to do an inquiry. These are for the same thing - a motorcycle loan. Can you please remove all but the XXXX XXXX XXXX??