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

On XX/XX/2018 at approximately XXXX, I XXXX XXXX XXXX called all three Credit Report Agency to remove all previous addresses and employment from reporting and just live current address. I called XXXX   and XXXX  and they honored my request without no problem. When I called Experian and spoke to XXXX to remove all previous address from reporting and just live current address, she said that the address XXXX XXXX XXXX XXXX will not be removed because there is a creditor reporting to that address. She said I have to contact them and update my address with them so they could report back to them to updated address and remove address from reporting on ( Experian ) .She was so rude, that when I still was talking with her she put me on hold before making sure I was done talking. I asked her for I.D . or employee number and she refuse to give it to me. I asked her for her last name and she refused. I requested to let me speak with her manager and placed me on hold. She came back on the phone and she said per her supervisor that it is their policy that address will remain on my credit report. I let her know that she is in violation of my rights under the Fair Credit Reporting Act, 15 U.S.C 1681, U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of the consumer information contained in the files of consumer reporting agencies. I let her know that I will file a complaint with the Federal Trade Commision ( FTC ) for  violating my right under the law.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I noticed that you have furnished fraudulent activity on my report. The account XXXX XXXXXXXXXXXX XXXX SC XXXX XXXX XXXX XXXX does not belong to me. I have previously requested proof of the alleged debt however you was not able to provide me with any physical evidence bearing my signature on a consumer contract. According to 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I demand the immediate removal of this account from my credit profile.
Product: Credit card or prepaid card

In XX/XX/2020, I switched my automatic payments to pay {$800.00} dollars off my remaining statement balance instead of the the full balance of {$2300.00}. Every month, I typically have my automatic payment on to pay the full statement balance, but due to holiday expenses and my partner 's loss of her job, I wanted to pay increments to make sure we had enough on hand for emergencies before my next paycheck. I received a confirmation that my automatic payments had been modified, and so that month I only transferred enough to my savings account ( which I use to pay off my credit card ) to cover the {$800.00} with a bit extra left over. I then received notice from my bank a week or so later that Chase had tried to charge my savings account for {$2300.00}, the full statement balance. This was obviously a mistake, and I was able to have my bank reverse the penalty charge by confirming with them that this was a mistake Chase had made. I went to my Chase account and made sure {$800.00} was paid manually, but I received no communications from Chase until today, when they notified me via a letter in the mail that they have closed my account because of the returned payment. I've never before had this issue with Chase and it seems i'm being penalized for their mistake with automatic billing on their website/app. I tried to dispute this directly with Chase but two representatives told me that they couldn't reverse the decision nor make sure it would not effect my credit. I have no desire to open a new account with Chase, I would just like to make sure that my credit is not effected by their error.
Product: Vehicle loan or lease

1099-C was not received from American Credit " Acceptan '' Acceptance for credit reported XX/XX/year> of charged off as bad debt profit and lost write off to write off as income on my end to the IRS.
Product: Credit reporting or other personal consumer reports

TransUnion has unauthorized inquiries on my credit report and These inquiries were made without my express authorization, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which governs access to consumer credit reports.

FCRA VIOLATION UNAUTHORIZED INQUIRIES Pursuant to FCRA 1681b ( c ) ( 1 ) ( B ) ( iii ), a credit inquiry is only permissible if I have initiated a transaction or established a verifiable relationship with the inquiring party. I have not applied for credit, nor have I granted permission to any entity to access my credit report for the inquiries listed below. Moreover, these inquiries are not linked to any existing or active accounts, meaning they serve no legitimate business purpose and were conducted without my consent. 

DEMAND FOR REMOVAL OF UNAUTHORIZED HARD INQUIRIES I am formally demanding the immediate deletion of the following unauthorized inquiries from my TransUnion credit file : XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX TBOM/ASPIRE - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX IMMEDIATE ACTION REQUIRED UNDER FCRA 605B Since these inquiries were unauthorized and potentially fraudulent, I am exercising my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates that fraudulent information must be blocked from my credit file upon request. The law clearly states that credit bureaus must remove fraudulent information within four ( 4 ) business days after receiving appropriate proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX my car was broken into at my apartment complex and my wallet along with credit cards and drivers license were stolen. My credit card was used that night and thankfully I was able to freeze the card and get a new one. I also got a new drivers license. I filed and received a police report. In XXXX of XXXX I pulled a credit report and saw there was an installment loan with Affirm , Inc . opened in my name back in XX/XX/XXXX ( per credit report ) in the amount of {$2000.00}. Upon speaking with Affirm, this account was used on car parts.com to purchase many car parts ( parts that are not for any car that I own, a XXXX XXXX ). I reported identity theft to my local police and received a police report. I reported identity theft with all 3 credit bureaus and filled a dispute with the loan company Affirm , Inc. as well as with XXXX. 

Affirm has concluded, as of XX/XX/XXXX, I was still responsible for payments even though I have no knowledge of this loan or who could have possibly opened it. I provided Affirm, Inc with copies of both police reports, an Affidavit they made me fill out and a copy of newly issued drivers license. Still no luck. 

I have a credit report from XX/XX/XXXX which still does not show the loan with them which is why I was not able to catch the error until XXXX.
Product: Credit card or prepaid card

My car started making noise in the breaks so I decided to use XXXX for repair. I've used them before to replace my front brake pads previously last year XX/XX/XXXX and decided to use their service again. 

I've self-diagnosed the car because the sound was coming from the rear breaks and scheduled for the replacement of rear brake pads on XXXX 

When Mr. XXXX came out to fix my breaks on XX/XX/XXXX, he told me that he was unable to locate the problem in the rear breaks and the brake pads do not need replacement as they are as good as new. So he said he'll clean the breaks and see if that fixes the problem. He also told me that there will be a service fee of {$50.00} because he came out to look at the issue. I responded " Okay '' for the {$50.00} although he did not fix or found the problem for the brake noise, just because he came out to inspect my vehicle. Later, I took my vehicle to a local mechanic and was able to find the issue there. 


A few days after service from XXXX, I saw my credit card statement to be {$110.00} instead of {$50.00}, so I called XXXX  and they told me that {$110.00} is the minimum they charge for any type of labor. This was clearly not what I was told from the mechanic from Wrench.com and I would have refused any type of service from them if it was going to cost {$110.00}, for not even fixing or locating the exact problem. Cleaning the brakes for {$110.00}? Anyone with common sense would refuse this offer. 

XXXX  refused to refund me so I called Chase credit card and explain everything and they gave me credit of {$65.00} and this was only temporary. Today, XX/XX/XXXX I received an online letter from Chase saying the charge was valid, not fraudulent and they have charged my credit card again. 

How is this charge valid in any way? I was told {$50.00}, not {$110.00} from the mechanic from XXXX. Chase has attached the invoice from XXXX that shows {$110.00} that I never saw or signed, until I found out that it was overcharged to {$110.00} on the credit card statement.
Product: Checking or savings account

On XX/XX/XXXX, I received a " Security Alert : Unusual account activity detected '' email from XXXX XXXX. 
That they " detected some unusual activity on your account ( s ). For your protection, your Online Banking access has been temporarily disabled. Our teams are diligently working to review your account ( s ) and will notify you when your access has been restored. '' I waited XXXX weeks and heard NOTHING from XXXX  ; I called on XX/XX/XXXX and they said no updates were available. I emailed that same day and was told to call customer support. 

I received a call from my other bank ( let 's call them XXXX XXXX  ) on XX/XX/XXXX, asking if I authorized a transfer of {$1000.00} from XXXX XXXX to XXXX XXXX To my best recollection, I did not authorize this transaction. Since my XXXX  account ( allegedly ) has been disabled since XX/XX/XXXX, surely no ACH transfers should be happening -- surely a disabled account is not... active to make transfers. 

I called again on XX/XX/XXXX and was told again there are no updates, the fraud team is going to investigate or is investing.

After 3 weeks of being locked out of my account, XXXX can not even tell me where they are in this alleged investigation, if it has even begun.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received information from my childrens mother that someone from the XXXX XXXX XXXX was trying to use my credit report against her. No one had my consent to pull my credit report. My XXXX and Experian are being used against her, and we are not married, nor do I reside in her home.I am not on her lease and feel like this was illegally done.
Product: Checking or savings account

Transactions keep appearing on my cashapp account from XXXX that I didn't authorize. One on XXXX for {$1.00} and another on XXXX for {$2.00}. I was flying on an airplane during the date and time it's saying the {$1.00} transaction occurred and I did not make or authorize it. I will attach proof of my flight itinerary on XX/XX/XXXX. And I was at a birthday party on the date and time they are saying the {$2.00} transaction occurred. Cashapp which is run by XXXX XXXX  denied all of my recent disputes. Their response said I authorized both transactions. This is not true. Neither the {$2.00} or {$1.00} were authorized by me and I have no idea who the company XXXX even is. I would like for the Consumer Financial Protection Bureau to investigate how Cashapp and XXXX XXXX handle disputes. I requested documentation of what they used to decide the dispute and all the sent was the transaction date and time and that my card wasn't present for the transactions. I will attach all correspondence from them as well.
Product: Checking or savings account

XX/XX/XXXX,, Continuing,, Conversation,, Been Requesting Unlimited Overdraft Protection On My Bank Card For Quite A Min,, Back In Year ( XXXX ) Thru ( XXXX ),, Never Receive It I Only Receive Limited OverDraft Protection On My Bank Card,, This May Be A Very Important Issue!!
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/XXXX, I sent a letter for inaccurate on my credit report but I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account within 30 days gives reason to immediately correct the account on my credit report. They should be promptly be corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 


XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXXLate/Open Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX, XXXX, I pulled my credit report, going over, I found out multiple accounts that did not belong to me, knowing this I started to do my own research to know how to remove the accounts that did not belong to me. on XX/XX/XXXX, I started disputing the incorrect information using different types of letters. After been disputing wrong information on my credit report for about a year, the accounts that were not mine were removed from my credit report, but, no too long ago I received a collection letter from XXXX XXXX XXXX trying to collect on Behalf of XXXX, XXXX of the accounts that were included on my identity theft package, after disputing the account via CFPB, they removed the account, unfortunately, just a few days ago, after checking my credit report, I found out that a new collection ( XXXX  XXXX XXXX came up collecting on the same account. 

Attached is my Affidavit of Identity theft package for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent out 3 letters to each credit bureau, XXXX, XXXX and Transunion. I requested to have 3 particular accounts removed from my credit report, since they were not reporting 100 % accurate information. I made it clear that, reporting laws ensure that bureaus report only 100 % accurate credit information. 

I requested that the information be investigated and DELETED if not fully validated and that I wanted to be provided with proof of the alleged items, especifically the contract/terms with my wet signature. 

I received a response only from Transunion and XXXX bureau, but not XXXX. 

XXXX and Transunion provided me with feedback within 30 days, but failed to provide me with the verification and proof of their investigations. 

On XX/XX/2023 I sent out a second round of letters to each credit bureau in hopes of being provided with a full description of the investigated task of my disputes. I also sent 3 more follow up letters on XXXX XXXX XXXX 

I mentioned that sending out a generic form through the e-Oscar system for the dispute is not reasonable, and that I wanted a full validated investigation with details on how you verified this ( names of people you spoke with and contact numbers ). 

However, I never received a response from neither credit bureaus ( XXXX, XXXX or Transunion ). I have not received a response in over 30 Days.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I contacted Bestbuy Billing Department and found out they had no record of them placing a dispute on my credit card debt, because I refused to pay the debt. So, after thinking about any disagreement I had with Bestbuy involved having purchase additional equipment at Bestbuy store having been unadvisement by their XXXX XXXX to do so. But, after the equipment the fix the problem with internet I tried to return the equipment to Bestbuy, but they refused to accept the return, eventhough I had been under advisement by their techs, so I let managers and whoever would listen that I didn't agree with their reasons not to accept the equipment being returned.This is the only situation I ever voiced a disagreement with Bestbuy. But my mortgage broker brought to my attention that my lender wanted the incorrection on my credit report associated with Bestbuy/CBNA to be removed due to appearing by the " consumer disagree '' but doesn't give specific of what the consumer is disagreeing with, but since the remark is under my Bestbuy credit card it suggests my the consumer disagreement is associated with the credit card. But my account is current and has no late payment or gaps.
Product: Credit reporting or other personal consumer reports

these inquiries were unauthorized and i am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Did not get any help about identity theft issues or people involved since advised by attorneys I hope all my issues get resolved soon will all credit report issues in my life thank you its been too many years my life has been affected!!!
Product: Mortgage

Ocwen acquired my loan from XXXX XXXX XXXX in XXXX XXXX. I was in chap XXXX bankruptcy at the time and it has since been discharged in XXXX XXXX XXXX. Ocwen waited until i was no longer under protection of chap XXXX and then claimed a bogus post petition debt that they say i owed and accelerated my loan to begin forclosure. i have proof of all my payments to ocwen and i am not in arrearage post petition!! They were paid all monies due pre petition but insist i owe them post petition payments due for months of XXXX XXXX until XXXX XXXX I even have statements where one month they claimed i had no post petition debt in XXXX XXXX and then the next month they claimed $ XXXX post petition and the number rises every statement. If i was so called in arrearage post petition then why did they never file a motion for relief from automatic stay during my bankruptcy since they claim my missed payments date back to XXXX XXXX and I was still under bankruptcy until XXXX XXXX. What mortgage company in their right mind would let XXXX post petition payments be in arrearage without filing a motion with the courts to stop an automatic stay!! What they did was waited until my bankruptcy was discharged because they have been trying to get my home because their is plenty of equity since i first filed bankruptcy. They are liars and only put foreigners in their customer service dept and they cant understand what you are trying to convey to them. They also show me as having owed a mortgage payment that was higher than the XXXX i paid to my prior loan servicer, XXXX XXXX XXXX and when i asked for a mortgage analysis XXXX years ago they never did XXXX but now say they are sending me a check for {$2800.00} because they recently did a mortgage analysis and my escrow balance was too much. The reason it was {$2800.00} over the amount it should have been was because they had me paying the wrong amount for my mortgage payment over a period of 3 years!! Had they done the mortgage analysis when first requested XXXX years ago they would have determined my mortgage payment was incorrect! Please help immediately! They are trying to coerce me into a loan modification so they can cover up there faulty accounting. I do not owe them anything!!! I plan to sue like the case XXXX XXXX vs Ocwen which cost them XXXX XXXX for their faulty accounting on her part.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries listed on my credit report. I have reviewed my credit report and noticed that there are inquiries that I believe were made without my consent or were made incorrectly. Specifically, XXXX  ( finance ), I did not authorize this hard inquiry, nor was I notified in advance of it. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report, including unauthorized hard inquiries. These inquiries have negatively impacted my credit score, and I request that they be removed immediately.

In addition, according to 15 U.S.C. 1681b, a hard inquiry may only be made if I have given express permission for it. In this case, I did not grant permission for the inquiries listed on my credit report, and they appear to have been reported in error. 

I am requesting that the companies involved review the inquiries in question and remove them from my credit report if they can not provide proof that they were authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and its affiliates Sagestream XXXX XXXX  Have been holding and storing my personal and private information without my written consent. 

They have been communicating with XXXX XXXXXXXX XXXX In Regards to my personal information without my consent this is against the law Under USC 15
Product: Credit card or prepaid card

I opened a American Express Business Platinum card on XX/XX/2023 and on or about XX/XX/2023 American Express suspended all my accounts and wouldn't allow me to make any further charges. On XX/XX/2023 I was charged the annual fee of {$690.00}. I asked Amex to unsuspend my account because their ongoing review is not related to my new account which doesn't have charges related to the ones in their investigation. After their failure to respond I contacted them to close my account so I could receive my annual fee back and they refused to close my account. 
I opened a new credit card for an introductory offer which I plan to fulfill and they suspended my account which prevented me to meeting the terms while also charging an annual fee. They refused to close or unsuspend my account.
Product: Debt collection

I have a closed XXXX XXXX XXXX internet account with hardcopy final bill balance stated as {$0.00} and closed. Enhanced Recovery Company contacted me nearly 1.5 years after the account was closed and claimed I owed {$180.00}. I sent them a certified letter with copies of my final XXXX XXXX XXXX bill showing them that they were making an error. Enhanced Recovery Company then sent negative reports to the credit bureaus within 20 days of their initial contact. I have sent Enhanced Recovery Company XXXX certified letters trying to clarify and get this off my credit report but they do not respond to my demand of validating the debt and any papers that show I actually have a debt.