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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry and demand that you contact XXXX XXXX XXXX immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I went to my tax preparer to prepare my taxes and to pay him for his services he deducts the money from my federal return. The check went to XXXX and then was suppose to be direct deposit into my account however Bank of America rejected the deposit. I was given a paper check which I then depositing via Bank of America Mobile app. Bank of America decides to place my check for 8 business days even thought XXXX cleared the check and sent it to Bank of America they are stating that they do not have the funds however XXXX states that the funds was given to Bank of America. Bank of America it have have the proper reason as to why my check is on hold except for they dont have the funds however XXXX bank manager isnt explaining that the funds was release and Bank of America has the funds. I dont have my money and now have to wait 8 business days to get my money. I need this problem fix and no one is willing to help. Bank of America is using my check to gain interest because I havent heard a valid reason why my check cant be cleared and available to me.
Product: Credit reporting or other personal consumer reports

An account on my equifax report pass the 7 years statue of limitations and still on my report!
Product: Mortgage

I made an complate in XXXX about my mortgage with Fifth Third Bank. Fifth Third Bank refused to resolve this this issue. XXXX XXXX has sent four applications and count less letters trying to get this resolved. I feel as though I am receiving retaliation for making a report To CFPB. For the record I am trying to resolve this so I can pay my mortgage. I feel that XXXX XXXX is purposely prolonging this process. Today when I got home I found yet another application in my mailbox. My income has not changed nor my other information. For the record I tried to answer you guys but I was unable to give my reply. Please help!! I feel like Fifth Third Bank is doing something illegal or because I am A XXXX American women. I look forward to your help. PS. I investigated Fifth Third Bank and they have had a lot of cases against them. Thanks, XXXX XXXX.
Product: Mortgage

I recently viewed on my XXXX Credit Report a hard hit Inquiry by EQUIFAX MORTGAGE SERVICE. I do n't recall authorizing EQUIFAX MORTGAGE SERVICE to run my credit. I am not in the market to be a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sent a pre-approved offer for an XXXX XXXXXXXX XXXX XXXX credit card on XXXX as an XXXX XXXX member at XXXX XXXX through Omaha FNB. This was a pre-approved offer NOT AN INVITE TO APPLY. I put in an application for the card with the understanding that ONLY A SOFT PULL would be done on my credit, however, this bank did a hard pull the was put on my credit with XXXX without my authorization. I DID NOT AUTHORIZE THIS COMPANY TO PULL MY CREDIT. ONLY A SOFT PULL After that I was denied this card after being pre-approved, and I never received a follow-up letter as to why i was denied. I attempted many times to talk to FNB Omaha to remove this hard pull from my credit, however, I was treated very rudely, and no one bothered to help with the situation. This company has misrepresented facts, lied, been very rude, insulting, disrespectful, unprofessional and helped in no way shape or form. This company NEVER informed me as to why I was denied this PRE APPROVED card offer and have lied as to sending me any formal letter. Again, this company DID NOT have my authorization to do a hard pull of my credit report but did so anyway. After searching online after the fact, I come to find out that this bank is KNOWN FOR THIS TYPE OF THING. In addition, since this drama began, Ive had no difficulties being approved for other cards. This company needs to show me in writing where I authorized them to pull my credit or take the hard inquiry OFF my XXXX immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my FICO score through my bank and I noticed that my score is about 670 which falls under fair. I have been on time on all my payments for the past 8 years and last year I paid off 7 different student loan accounts, I also have a public record ( bankruptcy, XX/XX/XXXX ). So I decided to check with all three credit reporting agencies to find the issues that were negatively affecting my credit score. 
My credit score at XXXX  was XXXX, at XXXX, XXXX and at TransUnion, XXXX  which is lower than the other reporting agencies by more than 100 points. I contacted TransUnion to find out why their score was much lower than XXXX and XXXX which is bringing my over all credit score down. 
After speaking with TransUnion I found out that they did not have my current employer information, they did not have the 7 closed student loan accounts and mentioned my public record is the main issue bringing my score down. 
I understand that I have a bankruptcy on file and that should affect my credit score but after 8 years of being on time on all of my obligations, I think my TransUnion score should at least be in line with other credit reporting agencies. I honestly do not believe an eight year old bankruptcy should lower my TransUnion credit score, more than100 points lower than others. 
This lower FICO score makes it impossible for me and my family to qualify for any home loan and it is costing us a lot more in interest for other loans and credit cards. 
I thank you in advance and hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

This account was supposed to be paid for deletion on all of them. I have a recorded conversation stating that on the first conversation then I called back and then they lied. They are very misleading and untruthful.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX XXXX. account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting inquirys i did not consent on my consumer report
Product: Debt collection

It's my understanding that FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts seem inaccurate, and it's unsettling for me.
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. 

Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX Account number XXXX Account name : STATE OF MDXXXX  Account number XXXX Account name XXXX XXXX XXXXXXXX Account XXXX XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX  Account number XXXX Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Account XXXX XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number 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 an 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

On XX/XX/2020 I submitted the following : I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened! 

On XX/XX/2020 I received an email ( which I have attached ) from Equifax Information Systems ( apparently I should have addressed it to " Equifax Inc. '' but how would I know the difference between Equifax Inc and Equifax Information Systems?? ) that said " This complaint lists someone the company does not recognize as their customer 's authorized representative ''. Then its goes on by saying amongst other things that the company let us know that it can't respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information??? What is this all about??? I filled out the information and as the oversight committee to make sure criminal companies such as Equifax aren't screwing me over by listing items on my credit report that are not mine. 
I have followed the FTC.org instructions that give people like me some direction as to what to do when I feel like i've potentially been a victim of identity theft because of several data breaches including the BIG ONE EQUIFAX. I sent this information via 2-3 day express as well as added a copy of this complaint to the list of items that the FTC 's guidelines tell me to send in the mail via USPS. These documents were sent in on XX/XX/XXXX which was a day or 2 after I submitted my first complaint to the CFPB. 

Who has told you that Equifax said I am not a consumer of theirs??? I have attached the proof that I have been a victim of this Data Breach as well as the email that I received stating what I have said above.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9100.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called on XXXX/XXXX/XXXX to dispute a debt that they were trying to collect. The representative I spoke with was condescending and tried to make it seem like there is no way I could be telling the truth. Then tried to tell me that I couldnt dispute the debt unless I sent them proof that I had not purchased the gym membership to a XXXX XXXX XXXX I refused.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX and Transunion wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Account : XXXX XXXX XXXX XXXX  Account Number : XXXX Disputed Account : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX case response this company is reporting inaccurate info on my credit profile that needs to be updated and removed
Product: Credit reporting or other personal consumer reports

Account balance was incorrect due to returned cellphone credit not being applied in a timely manner. was reported as late because the minimum balance due was incorrect. received a courtesy late fee back in XX/XX/year> but the incorrect reporting of the late payments were never corrected and the account was forced closed. Now, it is continuously being reported as a charge off each month, destroying my credit score with inaccurate information for over XXXX  months.
Product: Credit reporting or other personal consumer reports

This has been ongoing since XX/XX/2023. I requested/demanding proof and challenged the legality of the collections and inquiries in question. They failed to provide adequate proof within 30 days, The credit bureaus must remove those negative items from your credit report. the account appears to be re-aging. 
XXXX did as you see below. TransunionXXXX XXXX has not. 

on XX/XX/2023 I requested the Trans Union, XXXX and XXXX, credit reporting to review my file on 3 XXXX XXXX loans. XX/XX/2023 XXXX provided their response below : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. Transunion nor XXXX has not deleted these incorrect items on my credit report file.
Product: Credit card or prepaid card

I applied for a QVC credit card issued by Synchrony Bank. I received a letter in the mail stating that I was denied because the " Credit Bureau Reports a Different Address on File '' I tried to contact Synchrony Bank to confirm that, in fact, the address I applied with is my correct address, but to no avail.
Product: Payday loan, title loan, personal loan, or advance loan

I'd like to report the unethical practice of preventing borrowers to send in payments in order to charge extra interest or fees from consumers. 

My XXXX vendor offered XXXX  months interest free installment payments serviced by Service Finance Company. I tried to create online account on their website multiple times at at multiple days to send in payments, each time the web says : " We are unable to validate the provided information at this time, please try again later. If this error continues, contact support. '' I called the support phone line asked for help, the support person said I have to wait for a " welcome package '' in order to create online account to start sending in payments. They already sent the package to me but will send it again because I called. I said I'd like to start paying the first installment payment because in case the package is delayed, I don't want to be liable for extra penalties or interests. She told me she can't give me the physical address for sending in payments and I have to wait for the " welcome package '' which will take a few days. I waited and waited and the package never arrive. 

All the email sent by this company has " Donot-reply '' as part of the email address, I couldn't get the physical address to send the payments in any email. I googled and was surprised to find out the company routinely use various tactics to prevent consumers from making payments in order to charge extra high interests. Similar experience was reported by others on XXXX, XXXX and similar consumer platforms. 

I go really worried I am getting scammed and determined to send in payments. Through the power of XXXX, I finally found the company 's headquarter office address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I scheduled an online payment at my bank within XXXX  days of the completion of the XXXX job which is when the first payment is due. The copy of my bank bill pay receipt is available for review. 

Even though my bank sent in the check to the headquarter office address on XXXX XXXX  2024 and today is XXXX XXXX 2024. I still haven't received any email or paper mail communications form the Service Finance Company to confirm the check was received and where to send in future payments.
Product: Student loan

I requested information regarding the new " XXXX XXXX XXXX' program, from Ascendium, one month ago via a phone call and email. They requested that I contact XXXX for more information on the program. Today, I received a letter stating my loans are being transferred to XXXX per MY request to begin the " XXXX XXXX  '' program ( see attachment ) - I never made such a request. This would bring my XXXX loans out of rehab status. I would lose certain XXXX loan protections ( not including payment due ) by pulling them out of their current status- this was reiterated to me by a communication from Ascendium last year. ( I can provide the email if need be. ) Again, I did not request for my loans to be moved out of their current status and transferred to XXXX ( or another servicer ). Finally, I want my loans to be held in their current status with Ascendium until the payment moratorium comes to an end. The actions I have taken to resolve this matter were speaking with an Ascendium representative ( XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681 Congressional purposes, it is the purpose of the subchapter to require that consumer reporting agencies adopt reasonable procedures, for meeting the needs of commerce for consumer credit, personal insurance, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy and proper utilization of such information in accordance with the requirements of this subchapter. 
There exist an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts, congressional purposes, and reasonable procedures prove that I have received a delivery of goods come to my home and search for the goods they say I received in possession of the goods or come and see my computer or tap into my bank account so you can see what these alleged possessions are as an a requirement under 15 US code 1681c-2 ( c ) ( 1 ) ( C ). please prove this hearsay is not admissible. This is according to federal rules or procedure and evidence. Therefore, these accounts must be removed. You can not lawfully prove that I received any delivery of good services in money. These accounts are not related to transactions by meet the consumer, therefore as a result of this identity theft, these transactions must be removed and blocked.
Product: Payday loan, title loan, or personal loan

This is the body of the letter I sent to the XXXX XXXX  in XXXX, OH. See attachments. 
1. The reason for this letter is in regard to your billing of my account. ( Refer to highlighted area of enclosed copy of your agreement titled How to Avoid Paying Interest. ) 2. This account was opened in XX/XX/XXXX in the amount of {$2800.00} for the purchase of XXXX XXXX from XXXX XXXX XXXX. 
The end of XXXX we contacted your customer service line concerning this account as we had not received a payment notification yet. We were told at that time the account had not yet been set up and they could tell us nothing about it until after XX/XX/XXXX. 
Finally about XX/XX/XXXX we received a statement on the account. To my surprise there was interest charged. This is a problem as this was the first statement on this account. Why was there interest charged? 
The account was paid in full, {$2800.00}, this included the incorrectly charged interest, and the current statement received today confirms that it was paid before the cutoff date for the billing cycle. Our bank shows it cleared your payment on XX/XX/XXXX. 
The issue here now is the fact that there is an interest charge of {$18.00} when there should be none and the {$16.00} from the first statement should be refunded. This is per, again, your agreement statement that reads Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due day each month. Which the entire balance was paid. 
3. Therefore, we request that the current interest charge of {$18.00} be removed from the account and that a refund of {$16.00} be returned to use in cash or check. This will make the balance XX/XX/XXXX.
Product: Checking or savings account

Navy Federal Credit Union, XXXX XXXX XXXX XXXX XXXX 15 USC 6508 I have the right to opt out and that they have reported information and transactional history to early warning and check systems Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802.

Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government.

17cfr 424 all inquiries must be removed.