23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

There have been unauthorized inquiries put on my credit report and after contacting both the bureau and the companies have not been removed. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, XXXX, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit reports.
Product: Credit card or prepaid card

On XX/XX/XXXX I reached out to XXXX through their customer service email. I wanted to know how I could get cash back through their debit card. 
The bank replied the same day and stated that " You can still use a Cash Back even without having your direct deposit to XXXX or getting a Genius subscription. '' As XXXX explicitly stated that I should be able to get cashback regardless of any paid subscription I signed up on the XX/XX/XXXX based on this ground. Had this cashback feature not available to me I would not have enrolled. 

But it turned out that it was false advertising. I wrote to XXXX to tell them on XX/XX/XXXX and XX/XX/XXXX. They did not answer anything relevant out of saying they " apologize for the confusion this has caused [ me ] '' on XX/XX/XXXX by email.
Product: Mortgage

I recently submitted a request to have my home reappraised to hopefully appreciate out of the PMI on my mortgage. US BANK said the ESTIMATED appraisal cost was {$390.00} so I sent a check for the amount to begin the process. Upon notification that the market value had not changed on the home, I requested that the remaining amount be sent back. The appraisal was {$350.00}, I sent {$390.00}, a {$40.00} difference. 

The bank claims the {$40.00} went to an administrative cost and would not be returned. 

I then spoke with a Supervisor, XXXX, who refused to give me the regulating agency to whom I could file a complaint with. She did give me the address to submit a written complaint to US BANK. 

XXXX confirmed that the documents did say " estimated '' and that the appraisal was for only {$350.00}, but would not give a reason as to where the additional funds went.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CBNA Inquired on XX/XX/XXXX, XXXX - CARD SERVICES Inquired on XX/XX/XXXX, CITIBANK NA., BEST BUY Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Capital One is withholding deposits and refusing to answer customer questions about when the issue will be resolved. Debit and Credit cards are not working and direct deposits that were supposed to be deposited by now are over TWO DAYS LATE
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive Submitted multiple request to the credit reporting agencies Who are in direct violation of 15 USC 1681 c-2.

FAILURE TO REMOVE AND BLOCK THESE TRANSACTIONS WILL RESULT IN FEES OF {$1000.00} PER VIOLATION AS STATED YOU ARE VIOLATING MY PROTECTED CONSUMER RIGHTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been frequently working on my credit report only to still have numerous issues with the reporting bureaus not correctly identifying the incorrect information. They are claiming it to be Verified however nothing has changed other that the " Date of last Reported ''? 

Let me start with the concern that XXXX has violated my rights as a consumer over and over again because I had a report pulled in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. In XXXX I did not have a XXXX XXXX XXXX on my report and I CAN PROVE THAT in court IF NEED BE which is where we will be going soon if they can not correct my issue. They recklessly added it to my report in XXXX which seems to be the end or beginning of XXXX. I will be attaching the proof below. I disputed it consecutively with no new updates, no proof of investigation, and no method of verification which is a violation to my consumer rights. Then as they reported it all three bureaus had incorrect information. XXXX updated the information and did remove the unverified information however XXXX and Equifax did not and they did not send proof of the method they used to verify this or the proof they went through an independent investigation just as XXXX Vs XXXX XXXX I am able to ask for this proof and if it is not supplied within 15 days of being verified then it is to be in violation which is what this account is. XXXX has failed to do its job once again. XXXX is showing XXXX XXXX XXXX with a matching balance and high credit limit which can not be accurate, the open dates are incorrect on this account. 

Equifax has renewed the debt which shows it has been re-aged on top of not providing the proof of investigation and I want an independent investigation, not a letter showing me the basic steps they went by as they do for every other consumer. I do not want it explained by the E-Oscar system but by them doing their job. 

These two bureaus have also failed to remove the XXXX XXXX Account which is also in violation for months. I disputed this account in XXXX and XXXX is still showing the date of last reported as XXXX which proves they DID NOT even investigate the issue. Neither did XXXX which is also showing XX/XX/XXXX. Equifax actually Re-Aged this account as well which is also another violation. I have disputed this specific account since XXXX and have proof that I have done so. XXXX is showing a number of errors which makes me look bad as a consumer because they can not and will not commit to their job. XXXX is showing no High Credit limit which is lower than the Credit Limit, which is wrong, to begin with, that is not the correct Credit Limit. The open dates are inconsistent with XXXX another, they are stating this is a revolving account when it is proving to be a charge off or collection account. 
Equifax is not showing a Credit limit at all, the account numbers are inconsistent, to begin with on this account. I will also be submitting proof of this account as well.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX  days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with " The Fair Credit Reporting Act Convergent '', American Reporting Company on XX/XX/2022, has violated my rights by way hard inquiry on my credit report. 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: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of this account, which was closed on XX/XX/XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ) and the regulations enforced by the Consumer Financial Protection Bureau ( CFPB ). The details of the account in question are as follows : Account Type : Credit Card Opened Date : XX/XX/XXXX Reported Balance : {$4200.00} Credit Limit : {$3500.00} Account Status : Closed Last Reported : XX/XX/XXXX Upon reviewing my credit report, I noticed that it inaccurately indicates I am using 122 % of my account 's limit, despite the account being closed. This misrepresentation of my credit utilization is misleading and does not reflect the actual status of my account. My payment history indicates no late payments ( XXXX ), and the remarks state that the account was charged off as bad debt. It also notes that this dispute was resolved and reported by the grantor. However, the reported balance of {$4200.00} does not align with the fact that the account is closed and should not reflect any past due amount. Under Section 609 of the FCRA, I have the right to dispute inaccurate information on my credit report, and I am requesting that you conduct a thorough investigation into this matter. If this information can not be verified, I expect it to be removed or corrected promptly in accordance with CFPB regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  #  XXXX  bod  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Transunion  XXXX  and  XXXX  will not update my correct credit limit on my    XXXX     XXXX   XXXX  credit card account the correct limit is {$2200.00} with balance of  XXXX  correct my balance and credit limit
Product: Payday loan, title loan, personal loan, or advance loan

Went to transform credit to get a loan to clear credit card debt. Was told that I qualified with a co-signer advised them I dont have one and they still have been charging me a {$5.00} fee monthly for the same amount loan I didnt get or have any access to. Per 15 usc 1605 ( 2 ) ( 3 ) finance charges ( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

Never gave me any credit so Im charged for an extension of credit I never recieved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account :
Product: Debt collection

In XXXX I co-sign for a private student loan. The loan fort payment was due XXXX of XXXX. The individual I co-sign was still in school and didnt graduate until XXXX of XXXX. 

They sued us in XXXX for the private student loan. In Maryland the statue of limitations you can not sue after 3 year. 

Now they have garnish my wage on a default judgement that they knew was illegal because if the statue of limitation. 

I have to pay back three different private student loan that XXXX XXXX XXXX XXXX XXXX brought from the original creditors. 
It going to take me over 15 years to pay it off or I have to file for bankruptcy. The courts are not upholding the law by allowing debt collections agencies to count you dont know the law and count you know showing up for court for these judges awarded the a default judgement. And there is nothing you can do. So the statue of limitations has no bearing on this cases.
Product: Debt collection

I noticed that XXXX XXXX XXXX  was pulling my credit and I called them to ask them what they were pulling my credit on and they told me they were trying to pull it on two things Capital One from XX/XX/XXXX and XXXX from XX/XX/XXXX. So this one that is 15 years old & one that is 26 years old. They were both discharged in bankruptcy 13 years ago but they're still pulling my credit they can't prove that I owe the debt they can't prove that they have the right to go after this debt and they can't prove that they're out the right after the limitation that has expired
Product: Credit card or prepaid card

My unemployment bank of america pre paid card has been frozen for " suspected fraud '' since XX/XX/20 and I currently have a frozen balance of almost {$800.00} i can't access. After contacting XXXX and their fraud department numerous times since it's been frozen, I was notified that there was no form of fraud on my account that was detected and also sent XXXX my identification ( ID, passport ) along with SS card. Bank of America has been absolutely no help either. it's been nothing but a blaming game between both parties and I can't get any strait answers from them. Bank of america has all of my information verified from XXXX but STILL will not release my account. I have a total of {$1500.00} in weekly benefits from XXXX that bank of america kicked back because of this mistake and I don't know what else to do. I am in dryer need of my benefits. Can you please help?
Product: Checking or savings account

On XX/XX/XXXX someone that either works at a XXXX store in XXXX XXXX or walked in got a Sim card and cloned my cell phone. Over the course of the next two days they proceeded to completely drain my account. I called the fraud on XXXXXXXX XXXX but it was too late. When I called in and made the claim, the woman said that I would receive a new business debit card in 5 to 7 business days and asked if I would like to connect my bank to XXXXle XXXX  so I can access the funds. I said OK. Unbeknownst to me and having never used XXXX XXXX before the criminals had connected my account to XXXX PXXXX  that day and that is why she asked me if I wanted to connect it. As soon as I agreed to that connection the new card was compromised and the fraud continued. The bank has denied the claim on the grounds that biometrics were used on the phone clearly this level of protection doesnt matter if the criminals have cloned the phone. I have spent over a month trying to get this sorted out it has taken me weeks to figure out what the criminals have done and on top of getting robbed I have been treated like a criminal by my own bank. I have gathered overwhelming evidence and they are just ignoring and denying. There are many more details I dont have room to provide herePlease help wells Fargo is going to hurt more innocent victims, their own customers by not being educated on this new fraud method.
Product: Credit reporting or other personal consumer reports

I regret to inform you that there seems to be a compromise in my credit dealings with your institution. Upon careful examination, it has come to my attention that there is a failure to expunge fraudulent entries, even when accompanied by an FTC fraud report bearing the reference number XXXX XXXXXXXX. Today, I am submitting a formal complaint to bring to your attention that I have fallen victim to identity theft. Consequently, I have taken the necessary steps by filing an identity theft report on https : //www.ftc.gov. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report. I have attached the requisite documents to facilitate the removal of inaccurate information that is currently being reflected in my credit report. Outlined below are the items that do not pertain to me or have been initiated without my consent : -- -- -- -- -- -- -- -- EXPERIAN -- -- -- -- -- -- -- -- 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), Credit Reporting Agencies are obliged to remove any items identified by a consumer as resulting from an alleged identity theft, within four business days of receipt.
Product: Credit reporting or other personal consumer reports

I found inquiries on my credit report that are not mine
Product: Checking or savings account

I have been a member of navy federal since XXXX. They are being sued for illegal overdraft fees and they have illegally charged me and forced me to pay over draft fees I couldnt afford.
Product: Credit reporting or other personal consumer reports

USAA reported that the account was closed several months prior to when the account was paid in full. I did get behind, but did get payments caught up and continued paying more than the required minimum payment for several months before paying the account off early. USAA is reporting the account as closed several months before the account was paid in full.
Product: Debt collection

I receive daily calls at my employer from  Atlantic Credit , a company for which I have never done business with. I find this repetitive attempt to collect a debt, that I do not believe I owe  Atlantic Credit , harassment and I feel my employment is in jeopardy as a direct result of these repetitive phone calls.
Product: Credit reporting

Transunion has a hard inquiry on my credit report from XXXX XXXX. I informed them that XXXX XXXX was only doing identity verification and not a credit application. I have attempted to do the dispute with Transunion online twice but was unable get the correct options to go through. I called Transunion customer service to dispute over the phone. They said I needed to get a letter from XXXX XXXX stating that it was not a credit application and fax it to their offices. I secured the requested documents and faxed them as instructed on XXXX XXXX 2015. I called XXXX XXXX 2015 to get a status and was given the same instruction over again because they did n't see anything. That was my 3rd attempt.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I was advised by a TransUnion and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all of these fraudulent unauthorized inquiries for my report. 

Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help, this is hurting my credit and is reporting false information to future creditors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX