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

I sent a letter to the Experian and XXXX Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX Balance Owed : {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX OF XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is a collections account that is currently listen on Equifax and XXXX credit bureau. The collections was removed off of XXXX, as it was verified as the account does not belong to me. I recently contacted XXXX XXXX  and spoke to a representative named XXXX. I informed XXXX that this account does not belong to me and he has marked the account on their end as fraud.
Product: Credit reporting or other personal consumer reports

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

I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy Filing No. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

Debt was previously owned by National Credit XXXX Inc and I paid them. They gave me a debt settled in full letter showing I do not owe anything for this debt anymore and now TRANSWORLD SYSTEM INC/ is reporting collection on my account for a debt I already paid. I disputed with XXXX and they said they verified the debt and won't remove it. They are trying to collect on a debt already settled.
Product: Checking or savings account

Somehow my identity was stolen. I went to XXXX XXXX XXXX to open an account and they informed me that an account was owed by Citi bank that put me into check system.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Inquiry and Unethical Financial Practices by XXXX XXXX at XXXX XXXX XX/XX/year> To Whom It May Concern, I am filing a complaint regarding an unauthorized credit inquiry conducted by XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, NY XXXX, on XX/XX/year> in violation of the Fair Credit Reporting Act ( FCRA ). 

I visited XXXX XXXX for a consultation regarding XXXX  XXXX. During my visit, I repeatedly requested a full breakdown of the procedures total cost, including what my insurance would cover and my out-of-pocket expenses. 

XXXX XXXX brought me to a young lady, stating she would provide this information and verify my insurance. However, it was at this point that a hard credit inquiry was conducted without my consent. 

I immediately returned to XXXX XXXX and expressed my concern, telling him that I did not want my credit run and that I needed a full breakdown of the surgerys cost. Every time I asked if he would verify the costs with my insurance, he repeatedly responded with Do you have {$2500.00}? 

This led me to believe that he would not even attempt to verify the insurance unless I paid this amount upfront. I am unsure where this arbitrary {$2500.00} figure came from, as it was never explained. 

At no point did I agree to any financing, payment plan, or credit check. Despite this, XXXX XXXX office ran a hard credit inquiry without my authorization, which will negatively impact my credit report. 

This practice is unethical and potentially fraudulent. Patients should not be subjected to unauthorized credit checks or financial commitments when simply seeking basic information about a procedure. 

I am concerned that XXXX XXXX may be engaging in similar behavior with other patients.

I request that : 1 This unauthorized credit inquiry be removed from my credit report immediately. 

XXXX XXXX XXXX and XXXX XXXX be investigated for potential FCRA violations and deceptive financial practices. 

I appreciate your prompt attention to this matter. Please let me know if you require any additional details. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Late payment XX/XX/XXXX and late XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

statute of limitations on reporting XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX fraudulent account have to be removed from all Credit bureaus
Product: Credit reporting or other personal consumer reports

My credit report has been pulled up by these companies without my permission and consent and this has hurt my credit and credit score. I have contacted TransUnion and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 a account without my written instructions
Product: Credit card

The late payments listed are not in line with my regular payment history. Kindly remove them and update my account right away.
Product: Debt collection

I have never had cable in my name. I am XXXX and live with my parents.
Product: Credit reporting

On XXXX/XXXX/2016 I contact Trans Union through the cfpb.gov online gateway stating that XXXX of my personal emails hosted by XXXX was hacked, contained account and sensitive information and since XXXX of 2016 I had been receiving account threats of bills and accounts opened in my name using my social security number address name. and the I have subsequent hard inquires as well on my Trans Union consumer credit report and that I would like all inquires made after XXXX removed as I also initiated a Fraud Alert across all XXXX credit bureaus. However I was informed by Trans Union that since the email that was hacked was not the same as the one I used to communicate with the cfpb they were not under under obligation to do anything at all. I find that both untrue and evasive if the material issue was that if my email was hacked then " I '' was compromised and need remediation as a consumer starting with the retainer and furnisher of credit inquiries and records, not misdirection and dismissal of the damages suffered.
Product: Debt collection

Credit Solutions Corp. a collection agency, purchased my debt from XXXX XXXX XXXX, a sum of {$7300.00}. The date of last payment on this debt is XXXX XXXX, which means this debt ages off my credit report in XXXX XXXX. However, Credit Solutions Corp. have erroneously recorded the date of last payment as XXXX, XXXX. This is impossible as I was living overseas at the time and made no payment after XXXX XXXX. There was no activity on this XXXX XXXX XXXX account after that date. Please see attached files showing the correct dates as reported by XXXX XXXX XXXX, and the incorrect dates as reported by Credit Solutions Corp . I have attempted debt validation with all XXXX credit reporting agencies, in addition to requesting the error fixed directly with Credit Solutions Corp. with no success. I believe Credit Solution Corp is in violation Federal Fair Credit Reporting Act on this manner.
Product: Vehicle loan or lease

I am a victim of US AUTO SALES whom is claiming I still owe XXXX on a car I purchased 3 yrs ago and has been paying on time the car was only originally XXXX. Plus its a XXXX XXXX XXXX and the motor went out its still covered under recall but no will do anything about it.
Product: Checking or savings account

Wells Fargo is acting in an extremely negligent and predatory way with regards to over-drafting on an already NEGATIVE balance. My mother - the account holder -, who is XXXX XXXX and on SSI, has made multiple cash withdrawals on a negative checking balance and Wells Fargo is making no effort to stop the withdrawals. Instead, they are approving multiple cash withdrawals on a negative balance while charging overdraft fees. On their website, Wells Fargo states that they do not approve ATM overdraft transactions, yet they are letting it happen over and over. They claim that she has a " Debit Card Overdraft Service '' on her account and that they have no choice but to allow the transactions since she has opted in ( even after she stated to a representative that she has no recollection of signing up for the " service '' in the first place ). This behavior is negligent, irresponsible, and predatory and they have refused to take responsibility or use any discretion to decline multiple ATM withdrawals on a negative balance. Additionally, they are even aware that my mother - the account holder - plans to make additional withdrawals on a negative balance ( she told a representative this on the phone ) and they will do nothing to prevent this in favor or collecting further overdraft fees. I have spoken to multiple people on the phone from Wells Fargo and they refuse to act other than to say that the account holder has to specifically ask for the Debit Card Overdraft Service to be removed but they will make no effort to prevent further withdrawals on an already overdrafted account.

Wells Fargo states, regarding the Debit Card Overdraft Service, " You can choose whether your ATM and everyday ( one time ) debit card transactions may be approved, at the Bank 's discretion, if you dont have enough money in your  checking account or in accounts linked for Overdraft Protection at the time of the transaction '' and " The payment of transactions into overdraft is discretionary, and we reserve the right not to pay. '' They are choosing to use NO DISCRETION and instead allow multiple cash withdrawals to be made on a negative cash balance while STILL CHARGING overdraft fees.
Product: Checking or savings account

On XX/XX/XXXX, I sent {$2500.00} from my Navy Federal checking account to another Navy Federal checking account for services that were never received. I filed a police report for fraud with my local district, opened an investigation with the FBI to which multiple cases have been opened against this individual before and filed a complaint with the FTC. All parties notified me that my bank would be able to simply freeze the account because they were both Navy Federal and investigate it further. I called my local branch in XXXX XXXX, NJ and they told me there was nothing they could do and that I should notify the FTC, who initially told me to contact them.
Product: Credit card

On XX/XX/XXXX  my wallet was stolen at a restaurant. As soon as I noticed, I logged into my Chime app to turn off transactions. Upon opening, I saw that my account had essentially been drained in two transactions ( one for {$1000.00} and second for {$300.00} ). I immediately turned off the card and reached out to customer support to report the fraudulent transactions. The agent took my report but said a dispute could not be done until the transactions settled. I called on XX/XX/XXXX to check on the status because I noticed the charges had settled and was told that they would commence investigation for dispute once it cleared on their end. I hung up at XXXXXXXX XXXX and less than 2 hours later received an email stating that the investigation was concluded and that my dispute had been declined as " no billing errors were found. '' Shocked that they would make such a big decision in less than 2 hours and leave me broke, I requested a copy of the investigation results, which they are required to provide under the law. Multiple days later they sent me an email with " investigation results '' and when I opened it saw that it was a single page document titled " intake form, '' and only had the information for my original dispute. This proves no investigation was conducted. I called to request further information and the agent told me that Chime has a policy of " automatically denying '' initial disputes and advised me to submit an appeal. I submitted the appeal and was denied a few hours later, again. I requested the results of their investigation, which they are required by law to provide, and again, many days later received that same single piece of paper just detailing my dispute. 

Multiple consumer laws have been broken by Chime in this process by not conducting a good faith investigation into the claims, not following through with their zero liability for fraudulent transactions policy and then refusing to or being unable to provide me with the results of their investigation.
Product: Checking or savings account

My Amex savings account was debited numerous times My phone was stolen i have not had access to my login in years. Up until today my address was never updated Amex has a zero fraud policy I asked about the account number and the guy who was doing his job informed me there are over 500 XXXX XXXX in the system At one point he couldnt even see the second account which is the first account that was closed years ago. 

I just want my life back my account was debited numerous times XXXX dollars for at 5 or six months without my knowledge or permission For a suspected fraudulent loan open without my permission Its almost like the person put it on automatic payments I have a police report indicating that the loan was fraudulent and my account was used without my permission to make payments I have a police report and ftc report uploaded to XXXX I spoke to a XXXX today for about a hour to resolve this matter The attachments are police reports of the fraudulent loan and police reports of cyber attacks and my state of lousiana declaring state of emergency since 2019 to present because of motor vehicle records which house drivers license and indentifications and tax information along with social security numbers and hospitals along with other government agencies being hacked
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Success Mortgage Partners has been deceptive and dishonest throughout the entire lending process. We started working with them in XXXX of XXXX and was supposed to close on the home XX/XX/XXXX. The Loan Officer ( XXXX XXXX XXXX out of Michigan ) asked if we could extend the closing until XX/XX/XXXX to allow more time to gather what was needed. They have repeatedly lied about the file being in underwriting, being approved and being sent to XXXX. I've had to repeatedly send them the same documents over ahd over because they keep losing what was sent. We learned on XX/XX/XXXX by the Account Executive that the loan officer working on the file is not experienced with XXXX which has only further delayed the process. They fail to answer calls or emails. I am at risk of losing {$500.00} earnest money if the file does not close by XX/XX/XXXX which was the agreement to extend the loan based on what we were promised by Success Mortgage. I will also lose the {$500.00} I paid for the appraisal to this lender as well as {$220.00} spent for the home inspection and {$35.00} spent on a termite inspection. I do not have credit issues and can not understand what is going on with this company and their inability to close a loan in 30 days. It is very disheartening to experience dishonesty when working with lenders/mortgage companies. This company should be investigated.