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

I sent TransUnion a letter on  XXXX / XXXX / XXXX  in regards to unauthorized inquiries being reported to my credit report. I 've advised them that I did not authorize these inquiries and to review and delete. Today I 've received a response in regards to my dispute letter from them dated  XXXX / XXXX / XXXX . They 've refused to investigate and delete these inquiries. A valid dispute should be reviewed in 30 days but I 'm almost positive they did not come up with a valid resolution for this dispute because they came up with a resolution  XXXX  days letter. There was clearly assumption from TransUnion that these inquires were unauthorized, with no investigation or proof. What they stated in the letter was " The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for  XXXX  years. '' As you probably know,  Credit Reporting  Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting  Act15 USC 1681n  ( a ) (  1  ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization.     The following unauthorized inquiries are as follows : -  XXXX ,  XXXX   XXXX ,  XXXX  -    XXXX   XXXX   ,  XXXX   XXXX ,  XXXX  -  XXXX   XXXX ,  XXXX   XXXX ,  XXXX  -  XXXX   XXXX ,  XXXX   XXXX ,  XXXX  -  XXXX ,  XXXX   XXXX ,  XXXX  -   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX  -   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX
Product: Credit reporting or other personal consumer reports

i have never open this a XXXX  credit card. some stole my information and had everything sent to my address that is how i knew about everything, this has been on going for years and XXXX  is not doing anything about it. please remove this off my credit report and creditors. i did not open this account!
Product: Mortgage

On today, XX/XX/year> I applied for a Home Equity Loan Line of Credit from my mortgage holder, Navy Federal Credit Union, I received an instant denial with a letter stating that : Your credit score : XXXX Scores range from a low of XXXX to a high of XXXX Date : Fri XX/XX/year> Key Factors that adversely affected your credit score Serious delinquency Time since delinquency is too recent or unknown Length of time accounts have been established Ratio of balance to limit on bank revolving or other rev accts too high Which none of this is true, I called Navy Federal number listed on the letter, and was told by XXXX XXXX that info was correct as per XXXX and I needed to check my credit report ( I have a credit report account with XXXX so I knew this to be untrue. ) And that I could call the XXXX number on the letter, in which I did. XXXX told me they did not pull my credit report and I was correct that my score was XXXX, I do not have delinquencies, collections or even a late payment, and no high balances. So I'm not sure where to go from here and why Navy Federal would do this and not try to correct it.
Product: Debt collection

The issue that I'm having with this company is that I never got a notice that my account was going to be placed on collections and since they never sent the notices to my current address I was never aware that I owed that money. 

Time passes by and when I look at my credit report there is a new collection damaging my credit score and like expected I called as fast as I saw it there to get it paid and removed but when I call and ask for the deletion the representative told me that it was a company policy to only report as paid or settle in full on the credit report and not get the account removed out of the credit report, So I asked a manager and he still told me that they won't do deletion and it was a policy.

So basically they never sent me any notices saying that my account ( which I though was already paid ) was going to be placed in collections because they sent the notices to the wrong address and even the manager confirmed that. This is against the fair credit reporting act because I never got the notices and they sent them to the wrong address.
Product: Credit reporting, credit repair services, or other personal consumer reports

My company is transferring our service delivery to another company, and within this transfer I had to undergo another background check. This was the first time I have had the opportunity to review this information, and I have found incorrect information on my report related to an address of residence to include XXXX, Texas. This also appears on my credit reports and I have received phone calls from car insurance companies, as well as regarding medical bills for this address as well. It was shared with me by XXXX of these calls that this individual turns out to have the same name and birth date, however does show a different social security number. Somehow this person 's information continuously ends up on my credit and employment reports which is inaccurate and have been reported to the credit bureau in the past without resolution. Please research and help me resolve this issue for my consumer reports, credit checks and assure this is not potentially fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern My name is XXXX XXXX, and I am wiring this statement on my own behalf. I recently discovered that I am a victim of identity theft. My reports reflect inaccurate things. My identity was used to obtain Finacial services and goods. I request that the listed items in this report and statement be removed immediately. Accounts opened without consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES ADDED WITHOUT CONSENT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Bought a XXXX XXXX and went through Toyota Financial XXXX XXXX, XXXX. The pay off date was XXXX XXXX, XXXX. I told them that I usually pay off loans early and asked if there was a pre-payment penalty and they said no. I paid it off in total XXXX XXXX, XXXX. I called and asked when I would receive a refund since I was unable to reach them for a pay-off amount due to holidays and so just paid the full amount. The first time the lady actually said I did not " deserve '' a refund and the second said they prorated my bill. I received an amount for the total payoff for 5 years and paid it in total. I read through my contract and found a clause c. that states " How late payments or early payments change what you must pay. We base the Finance Charge ( FC ), Total of Payments ( ToP ), and Total Sale Price ( TSP ) shown on the assumption that you will make every payment on the day it is due. Your FC, ToP, and TSP will be more if you pay late and less if you pay early '' I went to the dealer once and they said they have nothing to do with Toyota Finance even though they are XXXX XXXX XXXX XXXX XXXX and I got the loan there. I went back a second time with all my paper work and they checked to see if I had any warranty that needed to be cancelled. But could not help. I have called twice more and been hung up on. Please help me. I have never had this happen before and have always received a refund.
Product: Credit reporting or other personal consumer reports

. Subject : Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Experian XXXX, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to Experian XXXX, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
XXXX. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Mortgage

Ok, either whoever is doing these audits doesn't care to fix the problem or the bank really just doesn't care. They want proof? Here are just the first two statements of this year ( there are many more that show them inappropriately funneling funds to themselves ). Every month since they took over my HOA ( 2021 ), they have trimmed off my escrow to pay themselves on the backend of the mortgage. That's fraud and, from what I've read, illegal! If they say it's going one place and they choose to put it to pay themselves extra, that's a violation of HUD laws. So, fix my payment!!!
Product: Checking or savings account

I deposit a check in the amount of XXXX and they took it at first saying there was a Lein. I knew this was fraud for I have no children. Or child support. Or contracts with California state. Then they changed the actual deposited amount to XXXX to hide the fact they stole it.
Product: Money transfer, virtual currency, or money service

XXXX not verifying that funds were being sent to the the right person XXXX to sending funds and not able to get a refund after it was sent
Product: Checking or savings account

* XX/XX/21 - WELLS FARGO XXXX XXXX DEBIT {$11000.00} * XX/XX/21 - I resolved the issue with the attorney and he contacted Wells Fargo XXXX XXXX XXXX XXXX department, they provided him with the fax number and the attorney immediately faxed them a signed legal release to remove the legal order debit. 
* XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - The attorney re-faxed a signed legal release to remove the legal order debit the attorney faxed it directly to Wells Fargo XXXX XXXX XXXX XXXX XXXX * XX/XX/21 - WELLS FARGO confirmed they received the attorney 's legal release * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - WELLS FARGO confirmed they received the attorney 's legal release * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT WELLS FARGO EXPLAINED THAT IT '' XXXX XXXX & XXXX XXXX POLICY HAS NO TIME FRAME IN WHICH IT CAN OR WILL REALEASE CUSTOMERS FUNDS - THIS IS AN UNREASONABLE AMOUNT OF TIME. 

WELLS FARGO CONFIRMED THEY RECEIVED THE LEGAL DOCUMENT TO RELEASE THE FUNDS BACK TO THE CUSTOMER BUT THEY DO NOT HAVE ANY TIME FRAME TO RELEASE THE HOLD ON THE CUSTOMERS ACCOUNT. 
THIS IS AN UNREASONABLE AMOUNT OF TIME. 

* THIS POLICY HARMS CONSUMERS AND CREATES UNDUE HARDSHIP TO BANK CUSTOMERS. HOLDING MONEY FOR AN UNLIMITED AMOUNT WITH NO TIME FRAME TO RELEASE MONEY IS AN UNREASONABLE AMOUNT OF TIME. 

*ITS BEEN OVER A WEEK AND THERE IS NO TIME LIMIT ON WHEN I WILL GET MY MONEY BACK FROM WELLS FARGO. THIS IS ACCORDING TO WELLS FARGO XXXX XXXX WELLS FARGO BANK POLICY. 

REGULATION CC VIOLATION : ( Regulation CC ) sets rules on how quickly banks need to release your funds. 
If a bank places a longer hold on funds, it must give you a notice. The notice must give the reason for the hold and tell you when your funds will be available for withdrawal.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit card or prepaid card

I received an email receipt notifying me that a charge of {$970.00} was made on my Back of American credit card and a new account was create at some XXXX XXXX company. The date of this email was XX/XX/2021. I immediately call Bank of America to cancel my credit card and report the fraud. I also called the XXXX company using the phone number in their receipt email and told them it was fraud and to cancel the account. Both the Bank of America and the XXXX company were call XXXX. At then end of my credit card back statement cycle, I saw the bank had taken the money out of my account and paid XXXX. This occurred at the beginning of XXXX. I called the Bank of America back and see why they paid the merchant and was told the fraud report was still under investigation and that within another 30 days it should be resolved and my money put back into my account. I have been calling the bank now for several weeks to get a resolution but they kept telling me that there is no fraud claim even when I give them the claim number. The money was never put back in my Bank of America credit card account even though It should have never been paid in the first place. The bank has offered no resolution or even acknowledged the fact that I submitted a claim. I can still see the claim in the Bank of America app and its in an investigation status. Since the Bank keeps telling me that they dont see a claim and I have to open a new one if I want to report fraud, I am look for help from someone to get my money back and report the terrible customer service I experienced at the Bank of America XXXX Thank you!
Product: Debt collection

I currently owe a military debt to XXXX. I have already paid XXXX of that debt. I am currently having surgeries. I ca n't not pay at this moment. They call at least 5 times a day. I have decided to stop calling them back and cease all communication at this time as it is hurting my ability to work as well. They want an update at least once every few days on my situation. They are not my attorney or doctor and I do not need to tell them anything. When I would pick up their calls they would never identify themselves until after the notification of the debt. This is not only deceptive but illegal under law. They have also used different types of numbers. Just today alone I was called 6 times.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Despite providing clear documentation and evidence to support my dispute, XXXX neither removed nor corrected the erroneous account information. 

This failure aligns with the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, which highlights systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and neglecting to adequately notify consumers of dispute outcomes. 

In my case, XXXX failed to provide documentation verifying the accuracy of the disputed accounts, as required by law. This lack of transparency and accountability has directly impacted my creditworthiness and financial opportunities. I would like to add the doctor this company is claiming i went to XXXX XXXX treats only women for fertility therefore Ive never been a patient. 

I urge the CFPB to investigate XXXX 's ongoing violations and ensure they are held accountable for neglecting their legal responsibilities. Consumers deserve accurate credit reporting and a fair process when disputes arise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section XXXX ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I am in distress and can not believe that the Dept of education is still reporting inaccurate n incorrect information on my credit report. On XX/XX/2023. I wrote dept of education regarding this plight and to dispute these inaccuracies to which my request went unanswered. I wrote dept of education/Nelnet stating that they did not investigate my dispute within 30 days was a violation of FCRA section 623 ( a ) ( 8 ), to which the information in question has become unverifiable and must be deleted under the FCRA .Dept of Education/Nelnet finally wrote me back after 50 days stating they found no adjustment needed. I am in total disagreement with this conclusion first of all it was concluded outside of the 30 days they have to under the FCRA and was already deem unverifiable.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts/items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

On XX/XX/XXXX I accidently sent a check made out to an individual to Capital One. After the individual did not get the check I realized the mistake. Capital One processed the check that I had made out to the individual for {$1500.00}. Keep in mind that I have a loan with them but the payment is only {$370.00}. I am not understanding why they did not send the check back to me or even notify me of the error. This raises questions as to the practice they use to handle funds especially those that are not made out to Capital One. Check # XXXX was made out to XXXX XXXX.for {$1500.00} on XX/XX/XXXX and processed at Capital One on XX/XX/XXXX. This should have never happened and the fact that I was not notified alarms me. Perhaps an audit should be done!
Product: Money transfer, virtual currency, or money service

XX/XX/2021 {$2000.00} was transferred from my chime bank account to another person chime account! They stole my phone and was able to log in and transfer all my savings. I have filled a police report advices chime of the fraudulent/unauthorized activity
Product: Debt or credit management

I had installed a new water heater in my home thinking I could use my well Fargo XXXX XXXXXXXX XXXX, for them to tell me I wasnt able to use it because it wasnt someone they worked with and I had to come out of pocket for it myself.
Product: Credit card or prepaid card

I purchased ( XXXX ) {$500.00} giftcards from XXXX on XX/XX/23 ( have receipt ), and utilized XXXX of the XXXX cards immediately. I left ( XXXX ) {$500.00} gift card to be utilized later. 

I tried to used the XXXX gift card on XX/XX/23 only to find it drained. I have physical possession of the card, the receipt, and did not give anybody this card. I have contacted the XXXX party card issuer on XX/XX/23 and XX/XX/23. On XX/XX/23, they said they were giving me a package, no package has arrived via XXXX ( been 11 days / nothing ). On XX/XX/23, they said they were issuing me a new card ( been 6 days / nothing ). 

They have refused to give me a case ID number, acknowledge prior calls, and just waiting for their timeline to tick down. They do not want any documents, nor do anything. 

The card is prepaidgiftbalance.com, issued by US Bank National Association.