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

These are the Inquiries that I don't have permission and knowledge of. 

XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX, Not Elsewhere Classified XX/XX/XXXX XXXX  AVANTUS - XX/XX/XXXX XXXX  AVANTUS LLC Mortgage Reporters XX/XX/XXXX XXXX AVANTUS , LLC Miscellaneous XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  and XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX  XXXX   XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX NA XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX Credit Card - XXXX XXXX XX/XX/XXXX XXXX   XXXX Credit Card - XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is impossible to deal with. I tried calling them multiple times to get a credit freeze removed, and could never get anything other than an automated response without being placed into a queue to speak to a specialist. Unfortunately I forgot my freeze pin and needed to go through this process. 
I tried to access my account online, and received errors in every case, the recovery text never arrived and the system denied me access even after recognizing my credentials. 
I sent a written letter since this was the only option, and received no confirmation of receipt or action on the freeze. I tried to find customer support email addresses, emailed them and got no answer. 

Someone really needs to do something about Experian 's customer service, it is downright adversarial. It shouldn't be this difficult to get verified and take action on a personal account.
Product: Checking or savings account

I opened a checking and savings account with Chase at the very end of XX/XX/2020. For doing this, I was given an offer where I would receive {$600.00} if I deposited {$15000.00} in the savings account and received a direct deposit in the checking account within 90 days of account opening. My direct deposit was supposed to go into the account on XX/XX/2020 but Chase had already closed the checking account ( they say this is due to 60 days of no activity in the checking account ). They are telling me they can't re-open the checking account and I no longer qualify for the {$600.00} offer they advertised. Since Chase closed my account due to lack of activity, my paycheck from work is now delayed because it has no account to be deposited into. Furthermore, Chase is now refusing to give me the {$600.00} offer for opening these 2 accounts. Why would they close the checking account prior to the 90 days I had been allowed to receive my first direct deposit? I want the {$600.00} offer because I did everything according to the offer and I want reparations for them delaying my paycheck.
Product: Debt collection

XXXX XXXX has called 12 to 15 times a day when I have informed them of a hardship and scheduled a payment
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 or other personal consumer reports

I RECENTLI REVIEW A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULERTS ON MY REPORT, PLEAS REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTINGMY ABLLITY TO OBTAIN CREDIT THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 at approximately XXXX I contacted XXXX and asked them why my credit report on their site XXXX XXXX own site, did not have my consumer statement. I wanted to also find out for sure if my report could be updated " immediately '' as they said numerous times in many ways can not happen ever. Yet the comments went in right away from XXXX a few minutes before I was speaking with a representative about why they were not showing up in XXXXXXXX XXXX credit report for me. They did show up on the accurate and probably true credit report that these agencies keep on us secretly or whatever as the agent read it to me, but it wasn't on my site, I have a screenshot at similar time. XXXX is important and consumers should have all of it. 
This is over a {$18.00} 30 day overdue reported by XXXX to the agencies and subsequent charging me {$2.00} without informing me at all of this {$18.00}, the overages as they were being charged in any way or the reporting. I found out from the free XXXX report and now I am on the path to trying to right this wrong XXXX and the agencies have collectively assigned me due to their broken and unfair system to put people who seemingly have good credit, to having bad credit so we can pay more interest and pay more fees, that is stealing! They should not be allowed to do this and should remove XXXX from my credit report and any and all derogatory remarks forever. They are costing me not only personal damage but my brand new american business a lot of damage too!
Product: Checking or savings account

My Citibank checking account was hacked in early XXXX of 2023. Three fraudulent checks were deposited to the account by an unknown person on XX/XX/XXXX. Four Zelle payments were paid by an unknown person on XX/XX/XXXX. I found out on XX/XX/XXXX that this had happened when I tried to access the account on my phone and my computer, and it had disappeared from the list of accounts. All of the checks bounced resulting in an overdraft of the account. The bank took over {$3000.00} from my savings to cover it. I was not aware this was going on until the damage had been done. I was not involved in any of the transactions nor do I know who did this. I have just requested my fourth investigation because I don't know what they did during the previous three investigations. I was told the information was encrypted for my protection. I have reported this to the police, the Attorney General of Illinois, and frozen my credit bureau accounts. I am very frustrated by customer service, and angry about being made to feel like a criminal instead of a victim. I would like the funds restored to my account. This has been going on for almost 4 months. I have talked to over 30 people in customer service, have been to the bank numerous times, and have a stack of letters and documents. i don't know where to turn
Product: Credit card

I would like Bank of America to make it easy to set up Autopay on their credit cards. I have a lot of accounts withn Bank of America ( and I appreciate these accounts ) and with other Banks. For all other credit cards you open the credit card online, and can easily select make a payment or set up autopay for what you want. 

Bank of America uses a very complex system to set up autopay for credit cards which are used to confuse consumers and cause them to miss payments ... resulting in fees and interest. There was at least XXXX lawsuit regarding this and it is now time for Bank of America to stop this deceptive practice. In order to autopay... you have to go to the bill pay site, put in the entire credit card account number ( which B of A already knows ) and select request ebills... then you have to wait for the ebill which can take a week or 2, and remember to go back to Bill Pay and set up Autopay to be sure you arent " missing payments. This is completely outright deception... I sent this similar complaint several years ago. Many people have trouble with this system ... and it should not be used for bank of america credit cards... the autopay should be easy to set up ... and able to be set up all at once like all other reputable credit cards. 

Recently I sent the following comments in the feedback section. 

Complaint send to Bank of America through share your feedback on XX/XX/2024 " Hi, please fix this issue or I will be sending an complaint to the CFBP. I have send feedback about this issue before. I am a longstanding Bank of America customer and I appreciate the assistance Bank of America has given me, but I feel that the Bank continues to deceptive practices to make it difficult to pay credit card and loans. Using the Bill Pay for Bank of America credit cards and loans is very laborious and not straightforward, including having to request and ebill ... from the bank where you already have a credit card account ..... Please fix this issue by making setting up autopay on Bank of America cards easier by : When you click on your credit card account, you can go directly to payment and set up autopay for various amounts including minimum amount on the due date ( not having to specify the date, but on the due date ) .... Making it difficult to set up autopay ( which it should not be ) can cause undue fees and interest for customers. Please fix this.. I will be filling with CFPB if this issue is not addressed in a timely manner. Loyal customer, XXXX XXXX ''
Product: Credit reporting or other personal consumer reports

Pertaining to complaint # XXXX All three bureaus are resolving only one aspect of my demands. Appreciate the deletions, yet the timelines in with the FCRA expresses, are not of 60 day thresholds. I would like to enhance my credit standing in a timely manner. 


Please refer to XXXX  see attachments Complaints filed, regarding XXXX and XXXX, XXXX XXXX, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the XXXX has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXXMy birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from XXXX XXXX and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, After disputing account XXXX XXXX ACCT # XXXX multiple times I filed complaints with CFPB for the account with Transunion, XXXX and XXXX. Complaints and complaint results are attached. All three claim to have verified and updated the account, however as of my credit report dated XX/XX/2023, the account still has inconsistent information with all three bureaus which include, the high credit, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there were several inquiries on my report that I do not recognize and did not authorize. There are all listed below 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
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we must eliminate any incorrect accounts from my credit report. Can you please verify the documents? Some of the listed accounts are inaccurate in their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently disputing a medical debt with a collection agency and hospital. I submitted a request to EquifaxXXXX on XX/XX/2022 to mark the debt as disputed on my credit report, but all three have not done so, and I have received no acknowledgement of my dispute or any investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have maintained my account with Bank of America for 7 years. 
I made a mobile deposit on XX/XX/XXXX and the next day the check was rejected. 
I called Bank of America and I was told the name on the check did not match the account name. 
Apparently I was told someone did not look and wrongly rejected the check. 
I was offered an apology and asked to take the check to the banking center the next day. 
Fearing the risk of my rent check not going through, I quickly made a XXXX transfer into this same bank account. received confirmation from the sending bank that the funds has been sent. 
I checked the Bank of America account and there was nothing.

After about an hour, I received a text from bank of America that I have received some funds. I went back to the account and there was no funds in the account.

I become worried and went to the banking center to find out why.

The personal banker did all she could do but the back office told her they are investigating the funds.

For what purpose, I do not know.

I still do not have the zelle transfer neither have I heard from them about the check that was deposited.

This has caused a serious problem for me since I have to make rent payment on or before the 1st of the month and nothing later than that
Product: Mortgage

I emailed a copy of the XXXX agreement to Ocwen on XXXX XXXX, XXXX. Also after emailing the document, I MAILED ( the same day ) the original signed document and a CHECK for the amount of the XXXX XXXX, XXXX Payment. The check still has n't cleared and also I received another request for the signed document, almost 2 weeks after I mailed it. I have now UPLOADED the document directly the page, but I do n't want to make the payment online because last time I did that, they cashed the check I sent ( said they did n't have ) the VERY NEXT DAY and double hit my account, causing other items to bounce. 

I feel like this is some kind of game they play with modifications so they can deny them. This is my second modification with Ocwen because they said the same XXXX the first time. Even though I made ALL the trial payments, I never mailed the signed contract in. You can go back through my history of complaints and see that we have been through this before. I provided all the documents and they still made up go back through this process again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday XX/XX/2021 at XXXX ( EST ), I received two emails from XXXX XXXX XXXX  confirming opening of both a checking account and a savings account. Both accounts were opened fraudulently. XXXX XXXX Bank ( and XXXX - read below ) allowed both accounts to be opened even though I have identity theft flags on my credit reports which I updated through the CFPB consumer portal in XXXX ( 2021 ) as a result of XXXX allowing a checking account to be opened. I immediately called XXXX XXXX and was transferred to a rather combative CS Manager in XXXX XXXX XXXX fraud department who went so far as to say to me ( on a recorded call ) that " [ he ] didn't have time to stay on the phone '' when I began asking him questions about how the account was opened?, was it opened online or at a branch?, what proof of identity was provided to open the accounts?, how were the accounts opened when I have identity theft flags on my reports as a result of the XXXX breach ( and considering I updated the identity theft flags notifying all three credit bureaus that fraudulent accounts were opened )? He said I would receive a letter in the mail in XXXX days but claimed, contrary to FTC regulations XXXX that XXXX XXXX would not provide me the information of how the accounts were opened, what identity information was used to open the accounts, what federally mandated ID was provided to open the accounts, etc... XXXX XXXX you will provide me with the information about how the accounts were opened. I ask the CS manager who 'approved " the accounts being opened and he specifically named XXXX ( again, this is a recorded call ), thus XXXX XXXX has twice now, first with XXXX and now XXXX XXXX bank, within a 6-month period, approved fraudulent accounts being opened, EVEN THOUGH ALL THREE OF MY CREDIT REPORTS ARE LOCKED and even though my credit reports have been flagged for identity theft since I received notification of the XXXX XXXX  breach... 

I spent nearly 1.5 hours at a XXXX  branch, thus face-to-face and with the Branch Manager, being put through the hoops to open accounts because of the identity theft flags, YET XXXX has, twice XXXX approved online accounts to be opened. 

I am adding Equifax and XXXX to the complaint for notification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan from FLAGSHIP CREDIT ACCEPT, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called FLAGSHIP CREDIT ACCEPT and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and FLAGSHIP CREDIT ACCEPT with no successful resolution. XXXX, XXXX, and XXXX  reporting me 4 time 30 days late in XXXX and XXXX. There was an error on their part. I was never 30 days late during those years.
Product: Checking or savings account

XXXX XXXX three money transfer from XXXX in small amounts at XXXX XXXX  I had XXXX left in the acoount. I log in the next day and they were rearranged to great 3 overdrafts at XXXX a piece highway robbery. I did call and they will not rebate any money from Webster bank
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXXXXXX XXXX XXXX XXXXXXXX at XXXX In accordance with fair credit reporting and XXXX  account XXXXXXXX XXXX XXXX XXXXXXXX at XXXX as violated my right. 
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 furnished an account my written instructions. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX In accordance with fair credit reporting and XXXX account XXXX XXXX XXXX XXXX XXXX XXXXXXXX as violated my right. 
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 furnished an account my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I stopped by XXXX XXXX XXXX to see how approximately how much a new bed would cost me. The head salesman, XXXX, took me to the beds and three other salesmen followed. I was shown the beds and told them I couldn't qualify because I had a car loan to pay first, I just wanted to know how much. XXXX said well l get all sorts of discounts and coupons because I'm the lead salesman and we can get you a really good price. I said howmuch, and he said it doesn't matter because I'll use the discounts. Just sign this and I run a credit check. I failed. So I got up to leave, I was in alot of pain and told XXXX I needed to leave. He said wait just a second, then another salesman came up and said sign this we have another place to check. This happened 3 time so I finally made it out the store.

A few days later, the bed was delivered to my house. I wasn't home but my daughter let them deliver it. 
The next thing I know, I get a bill from Wells Fargo for over {$3000.00}. First I was told Wells Fargo had declined me, which was ok by me because I wont do business with them because of their dishonest business practices and taking out credit cards you don't request. And guess what? I was sent a credit card I did not ask for. 
I called XXXX XXXX and told them to come pick up the bed I did not want it, and I said I had already told you I wouldn't use Wells Fargo because they were dishonest. 
I next called Well Fargo to tell them they needed to deal with XXXX XXXX. 
I called XXXX XXXX again and said pick up the bed within three days or I will put it on the curb. Did not hear back from XXXX XXXX, so I put it on the curb and it was picked up. I did not hear back from them nor did I hear back from Wells Fargo. 
Just an FYI the bed in reference actually sells for about {$1700.00}