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

I'm filing this follow-up complaint to formally inform XXXX, XXXX, and TransUnion Credit Bureaus of my intent to update my credit reports within the next 15 days. I earnestly expect these three Credit Bureaus to promptly remove the specified inquiries from my credit records. This communication is a continuation of my previous complaint, dated XX/XX/XXXX. I respectfully request that the inquiries listed in this complaint, as well as those in the aforementioned complaint, be removed upon completion of the 15-day credit report update period : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX US DEPARTMENT OF EDU XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX 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

Im disputing the following information I found on my credit report. The inquiry being reported on my credit report is not authorized nor have consent to having my credit pulled. The date that someone accessed my credit is without my consent. Please remove the inquiry or if you believe its accurate please provide me with the signed authorization received to access my credit. I will give you 20 days to remove the inquiry. 



XXXX XXXX  XXXX XXXX, XXXX
Product: Credit reporting

I am a recipient of NYS XXXX. My coverage renewal was mailed to me XX/XX/XXXX. I had to fill out my NYS renewal forms and mail it to : Mail Renewal Program, XXXX, XXXX XXXX XXXX, XXXX NY XXXX. I mailed my forms in on XX/XX/XXXX. XXXX XXXX received it on XX/XX/XXXX. This form was sent to renew with my managed care program ; XXXX XXXX XXXX. I never received any updates via regular mail as I had requested when I signed up with my public assistance service. It was n't until I was inquiring on my coverage in XXXX that I found out that I no longer had XXXX XXXX Coverage. So, my coverage was canceled from XX/XX/XXXX to XX/XX/XXXX. I called my local social service office at XXXX XXXX and received the following status of my account:1. My mailed in application did not get processed after it was received on XXXX because it got transferred to the bottom of the list. 
2. On XX/XX/XXXX my account was noted under another persons name. 
I was then instructed that a new renewal form will be mailed out. I need to fill out and then return it. Weeks passed and I never received the duplicate renewal form. So I went into the social service office at Medical Assistance Program, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX on XX/XX/XXXX to submit a renewal form in person, which I did. After I submitted this form, to my surprise, I received a renewal form again in the mail on XX/XX/XXXX. The reason why this is important is because during the time when my XXXX care coverage had been canceled from XXXX to XXXX 2015 I made an appointment to see a Doctor who accepted my manage care coverage for payment. However, since I did n't have coverage during that point in time, now the doctor is billing me for the lapse in coverage of {$36.00} for patients with no health insurance coverage and {$320.00} for patients with healthcare coverage as what I have. XXXX XXXX is also billing me for {$77.00} for service rendered on the same date. Now XXXX XXXX and the XXXX is threatening to send my account to collections because of the payments not being paid. The account number for XXXX XXXX is XXXX XXXX XXXX invoice # XXXX. The date of service was XX/XX/XXXX. 
Dr XXXX collection number is XXXX at XXXX XXXX XXXX ext XXXX XXXX # XXXX service date XXXX. My NYS XXXX Benefit Account # is XXXX My Managed Care XXXX card # is XXXX. I am requesting that NYS XXXX or XXXX XXXX XXXX be responsible for this bill since neither of them notified me that I no longer had this medical coverage. Had I know this, I would have went to a straight XXXX provider for medical assistance. Please send me a response back in the mail at my address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX My phone number is XXXX XXXX XXXX Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting erroneous information on my credit report from XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently challenged a bankruptcy on my credit report and the bureau claimed they investigated the bankruptcy and said it was verified. Its my understanding that the bureau suppose to report complete and accurate information. If they truly investigated Then why are all 3 three bureaus are reporting different things XXXX is not reporting a bankruptcy at all, XXXX is saying I petition for Bankruptcy and Equifax is say the bankruptcy has been discharge also the courts name dont match and other information. Im attaching a copy of my credit report and ID
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXXXXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have viewed my credit report from all 2 credit reporting agencies. I noticed in my hard inquiries there are some companies unknown to me as well as I've never given them permission to pull my credit report. When I contact XXXX, Experian and XXXX I was told by all three credit bureaus to contact the creditors directly. When I contacted the creditors one by one, I was advised they could not assist me and referred me back to the three buraus. I am asking the assistance of CFPB to help remove these unauthorized inquiries from my credit reports : XXXX Reports : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 


I did not give my written or verbal permission for any of the above hard inquires. 

Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, the consumer, rights have been violated per Fair Credit Reporting Act by Transunion, the accounts were claimed to be investigated or accurate but yet showed inaccuracies. According to the Fair Credit Reporting Act 607 ( b ) this accounts were not accurate. To be in compliance with the Fair Credit Reporting Act 611 ( a ) ( 4 ) and 611 ( a ) ( 5 ), TransUnion has been provided with relevant information ( photographic evidence ) on XX/XX/2022, that these accounts are inaccurate and shall be promptly deleted. This is a clear violation of the Fair Credit Reporting Act. DEPTEDXXXX - # XXXX, DEPTEDXXXX - # XXXX, XXXX  - # XXXX, XXXX  XXXX - # XXXX, XXXX - # XXXX, XXXX  - # XXXX
Product: Checking or savings account

My XXXX and PIN was stolen and the thief was able to complete two XXXX transactions totaling {$1000.00}, taking money out of my checking account. TD Bank denied my initial fraud claim because face ID was used, according to the app. But the thief could have changed the settings to recognize his face. I have filed a police report and submitted it and a second fraud report to TD.

I am filing this complaint because TD Bank is refusing to return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1300.00} and XXXXXXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$740.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX I reported three fraudulent transactions from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They closed my account, will not reissue a card and stated they did close it on XX/XX/XXXX. I did not have an account then. They wiped my statements, took my reward points and have not refunded my reward points from a carnival cruise that was COVID cancelled. I'm at a loss as to what's going on. I need the fraud investigated and my account restored asap along with a replacement card. They seem to have no information of my account except a balance that I will try to transfer if this goes unresolved.
Product: Checking or savings account

on XX/XX/2023 I made a deposit with a 3rd party cheque, which I had full authorization from sed 3rd party. The 3rd party endorsed the cheque, I ( account holder ) forgot to endorse before the deposit of the cheque. I then called chase immediately to express the situation at hand. Chase assured me once the 7 days have passed and the cheque was clear there will be no issues. Chase has now took the hold off the tender seeing that it isn't fraudulent, and now put my account in restriction. When I called Chase to ask why the restriction?, Chase expressed to me that they need to verify that the 3rd party gave me the cheque, which in due fact is not a problem for me to do. now their process was to give them the 3rd party phone number to verify, I gave them the phone number and they said because it is not a number on public record it can not be verified. I asked what is the process Chase expressed that they verify the number then make the call. Chase then expressed to have the 3rd party call their phone company and have them put the 3rd name in public records. After that was done chase was still unable to verify the number. you can not go in the bank to verify anymore which is absolutely ridiculous! I will be reaching out to chase ceo cfo & trustee. To express further the multiple excuses for why they have a restriction on my account plus the fact the cheque cleared. I would understand if I endorsed the cheque and the 3rd party did not but that wasn't the issue. this doesn't help the consumer one bit. Chase also has threatened to close my account as if there has been fraudulent activity going on which there isn't!. even with the 3rd party on the phone verifying they gave me sed cheque for deposit. anybody can get a phone number verified by calling up a phone company and acting as a person. Chase verification process is the worst process ever suggested to the consumer. Also train your agents better please. I have been doing business with Chase but I will Rescind ALL CONTRACTS, Security interest & proceeds if this matter isn't solved promptly.
Product: Credit reporting or other personal consumer reports

I looked at my Credit Profile recently and saw that I had duplicate accounts being reported that are damaging my score. As a Consumer I have the right to a credit report that is 100 % accurate. On my Experian credit report, I see that Portfolio has reported account XXXX twice. I am hereby requesting that Experian please remove one of these account as they are inaccurate and should not be on my credit report. I understand that Experian oversees several accounts and mistakes can happen. However, I would like them to please remove this duplicate account from my credit report.
Product: Debt collection

I checked my credit report and I noticed a fraudulent account. I filed an ID Theft report so that the account can be properly removed. The credit reporting agencies are supposed to report fair and accurate information. This is a violation of 15 USC 1681b ( 2 ) ( a ) ACCOUNT TO BE REMOVED : WESTLAKE FIN XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX )
Product: Debt collection

I contacted capital one and told them I made an uninformed decision regarding this consumer credit transaction. I informed violated my rights are a consumer and that Im Disputing validation of debt.
Product: Debt or credit management

I was going to enter into the Beyond Finance settlement plan however decided against the program and did not sign the Power of Attorney to allow them to contact my creditors due to the poor reviews I was reading online.

I closed the account and received my deposit back. I am now being contacted by creditors that were not only not part of the plan of creditors to settle accounts with, but are NOT my accounts. In fact, a collection agency contacted me and told me they were trying to collect on a debt from 2013. When I call the collection agency that sent me a letter trying to collect on an account, they told me Beyond Finance called them to settle a debt with them. Beyond Finance receives a huge payment for every " debt '' they settle.
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX : Account Number : 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 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 card

In XX/XX/XXXX I applied for a credit card at the age of XXXX and got approved without any supporting documentation or personal financial responsibility, credit card act of XXXX is in place to protect young people from companies issuing these accounts. The account is now charged off and they are pursuing litigation after not following regulations put in place for them to follow. I do not feel I am responsible for this account when at XXXX i am unable to enter a XXXX XXXX contract. 

XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have not authorized these hard inquiries, they are fraudulent, and affect my credit score negatively. 
These are the fraudulent hard 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
Product: Debt collection

Dear Afni Representative, I am writing to bring to your attention an issue that has recently arisen. I have been contacted by your company regarding a debt that I have already paid off. While I understand that mistakes can happen, I believe that your actions may be in violation of the Fair Debt Collection Practices Act ( FDCPA ).

I kindly request that you review your records and correct any errors that may have led to this situation. Additionally, I ask that you refrain from any further attempts to collect on this debt until the matter is resolved. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX.
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. 

Account Name : XX/XX/XXXX Account XXXX Account Name : XX/XX/XXXXAccount XXXX Account Name : XX/XX/XXXXAccount XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Student loan

I was XXXX XXXX XXXX XXXX when I received an email stating that my account was being transferred from XXXX XXXX to Navient. My interest rate went from 2.5 % to 7.4 %. When I called from XXXX to ask why they stated they now had control over the account and that was the new interest rate. I was horrified but unable to do much about it so to this day I still pay this enormous rate to pay off my XXXX Loans.
Product: Credit reporting

Equifax reported in a response to the regulatory agency, CFPB, that they had investigated and found reporting to be correct, they lied. The lie is revealed with the truth, first of all, they did n't contact or investigate anything, instead they are playing the same game they always played prior to the CFPB, fight regulation, and oversight. The records provided within will clearly identify they lied in their response, and I want action, not just documenting but action against Equifax.
Product: Mortgage

I have continued to watch the HAF pay. Today I was told by XXXX that Rightpath did receive the payment and my home is still in foreclosure.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX - we received an email from PNC stating " ... Your access to Online Banking and Voice Banking has been suspended as a result of incorrectly entering your password on multiple attempts '' To regain access reset your password at pnc.com. Which she did. But she didnt even see that email until XX/XX/XXXX around XXXX XXXX. 

My daughter ( FYI I am also on the account with her, this is a joint account ) logged in to change her password at which time she recognized a charge for {$300.00} to XXXX XXXX XXXX  on XX/XX/XXXX that she did not make nor does she even have an account with XXXX XXXX. She contacted the fraud dept who told her to call in the morning once the charge posts. She did just that. XX/XX/XXXX at roughly XXXX XXXX she called PNC, they told her they would open a dispute for the unauthorized charge and issue a new card. ( NOT sure why they would take this route being that the charge was an ACH withdrawal. They offered her no other security measures at all. Needless to say the next day XX/XX/XXXX two more ACH withdrawals were debited from our account. {$2900.00} ( this one to XXXX XXXX XXXX ) and {$1400.00} ( XXXX XXXX again ) again neither of which she or I have accounts with. At this point I called PNC Fraud dept and spoke to a manager ( XXXX ) who assured me that he was going to stop payment on those 2 charges and freeze the account, he directed us to go into the branch in the morning to continue the dispute process. Well the next morning the charges posted AND another unauthorized ACH withdrawal was made for {$3700.00} ( this one only stating ACH DEBIT VISA ). So I go to the bank this morning XX/XX/XXXX and get back two of the charges ( the {$1400.00} and {$2900.00} charges ) after they tried to tell me that I had to wait 10 days. When they should have frozen the accounts after the {$300.00} charge was made and the other 3 charges wouldn't have ever happened. Now I understand that there are really good hackers out in this world. But I would have expected better practices in place when these types of transactions come through especially when they are so outside of the norm of usual activity on the account. My daughter has had that account since she was XXXX ( now XXXX ) hence the reason Im on the account since she was a minor when it opened. She has been saving her money since then. To wake up and see your entire life savings just taken from you in an instant when you thought your bank had protected you not once but twice, is devastating. PNC has stated they'd refund the additional monies on Monday when the {$3700.00} posts. We have already taken out what money was left and put it in a safe at home, she is scared to death to trust banks now. This bank needs better training for their reps and better policies and practices to protect the consumer. This could have been prevented with the first {$300.00} charge. Or even when they knew someone was trying to access her online banking account with the wrong password multiple times. The account should have been locked. They just allowed these hackers to attack the account repeatedly.
Product: Credit reporting or other personal consumer reports

My background check came back with 3 felony counts which are incorrect.

Fleeing charge is an misdemeanor ( reindicted from felony to misdemeanor by judge ) Obstruction of an officer is an misdemeanor and also possession of drug related objects confirmed by superior court I need this corrected as soon as possible I can also provide proof Thank you
Product: Credit card

On XX/XX/XXXX  I received online offer from Amex to open Delta SkyMiles credit card, spend {$1000.00} within 6 month and receive XXXX miles. 

I opened the card and spent miles however Amex refused to provide promised XXXX XXXX miles. 

Amex charges {$99.00} yearly fee. 

If XXXX miles were not offered to me I would not open card