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

Equifax sent me a letter stating that they found in favor of the companies that made these hard inquiries. I still cant log into equifax as they state my answers dont match. I feel they should have to provide proof of my requesting these companies to pull my credit. Most all web sites force you to sign up for an account just to view what they have to offer. At no time did I authorise the mentioned credit inquiries. None of these were utilities or any of the other excuses equifax stated in there letter to support declining removal of these fraudulent hard inquiries. I also find it odd they mail me a letter declining to remove these inquiries but I cant log in to dispute there findings nor did they inform the federal bureau of consumer protection agency that they had founded against me and closed this case
Product: Credit reporting, credit repair services, or other personal consumer reports

False reporting was not made by me below XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have unauthorized credit inquires on my credit reports for XXXX and XXXX. I called both bureaus as and creditors and they said to file report with FTC and the FTC directed me to CFPB. consumer protection 15 USC 1682 ( b ). Please remove immediately! These are fraudulent XXXX inquiries Xactus LLC XX/XX/XXXX XXXX XXXX XXXX XXXX  XactusXXXX XXXX XXXX XXXX XXXX Xactus LLC XX/XX/ Xactus LLC XX/XX/ Xactus LLC XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting assistance of the CFPB to fix my XXXX Credit File so that XXXX doesn't show that I was late in paying American Express for the months of XX/XX/2019, XX/XX/2019, and XX/XX/2019. This request is pursuant to the Federal Fair Credit Reporting Act. 

The reason for this request is that charges were disputed during this period and those charges shouldn't show a late during the dispute period. Substantial evidence has been provided to both XXXX, XXXX, and American Express demonstrating that the laptop was faulty, and couldn't be repaired. 

Previously a complaint was submitted to CFPB XXXX, and it was my understanding that XXXX would fix the credit report, but I was recently advised by a creditor that the errant information has been reinserted into the credit file so I am left with no choice but to request CFPB to reopen my complaint against both XXXX and American Express. I find American Express and XXXX  guilty of violations of the Federal Fair Credit Reporting Act for inserting late pay information. 

Previous evidence to date showing a valid claim consisted of : 1 ) statements from XXXX XXXX advising they had back pedaled on their decision to support XXXX so that the keyboard functionality was partially usable. 
2 ) statements from XXXX XXXX announcing a service advisory more than a year after my complaint advising that there is a problem with the keyboard, and a potential fix. 
3 ) statements from users advising that the fix offered by XXXX XXXX did not fix the laptop. 

No laptop repair facility is able to fix the laptop since the problem is a driver issue, and the vast majority of repair shops are not sufficiently versed in driver development. 

Additionally XXXX XXXX had failed to switch the laptop, which was a rebranded XXXX, with their own laptop that they had recently started making. As a result, they demonstrated bad faith. 

And last but not least, American Express has an extended warranty program and there is no issue of coverage since the extended warranty coverage would have been double the coverage of XXXX XXXX 's primary 1 year warranty. 

This complaint needs to be reopened because XXXX  and American Express have back peddaled their decision to correct the credit report. 

Also, XXXX is still refusing to allow online access to credit reports. Earlier today I attempted to login after being denied credit, and was blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific items 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 an alleged fraud or extortion.

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV XXXX XX/XX/2023 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$170.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2900.00}
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Unauthorized Inquiry XXXX XXXX  XXXX I am writing to dispute an unauthorized credit inquiry that has appeared on my credit report. This inquiry was not authorized by me, and it violates my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Unauthorized Inquiry Creditor/Requester : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Type : Hard Inquiry This inquiry was made without my explicit consent, in violation of the FCRAs permissible purposes for accessing a consumers credit file.

Violations of Federal Law Fair Credit Reporting Act ( FCRA ) : 1. Section 604 ( a ) ( 15 U.S.C. 1681b ) This section stipulates that credit inquiries can only be made for permissible purposes, such as with the explicit consent of the consumer. I did not authorize this inquiry, and no permissible purpose exists.

2. Section 611 ( a ) ( 15 U.S.C. 1681i ) Under this section, credit reporting agencies are required to investigate disputed items within 30 days.

3. Section 623 ( a ) ( 1 ) ( B ) ( 15 U.S.C. 1681s-2 ) Data furnishers, such as XXXX, must ensure that information they provide to credit bureaus is accurate and verifiable. An unauthorized inquiry does not meet these requirements.

Fair Debt Collection Practices Act ( FDCPA ) : 1. Section 805 ( b ) ( 15 U.S.C. 1692c ( b ) ) If this inquiry was conducted in connection with a debt, it would constitute an unauthorized communication with a third party ( the credit bureau ) about a debt that has not been validated.

2. Section 808 ( 6 ) ( 15 U.S.C. 1692f ) Unauthorized inquiries may also constitute an unfair or unconscionable means of collecting a debt.

Requested Actions In light of these violations, I formally demand the following actions : 1. Immediate removal of the unauthorized inquiry from my credit report.

2. Written confirmation that this inquiry has been removed.

3. An updated copy of my credit report reflecting the correction.

Failure to address this dispute within the required 30-day period under the FCRA will result in legal action.

Evidence Supporting My Claim I have enclosed the following documents to support my dispute : 1. A copy of my credit report with the unauthorized inquiry clearly highlighted.

2. A copy of my government-issued identification and proof of address for verification purposes.

Legal Notice If this dispute is not resolved promptly, I reserve the right to pursue legal action under : FCRA Section 616 ( 15 U.S.C. 1681n ) for willful noncompliance, which provides for statutory damages, actual damages, and attorneys fees.

FCRA Section 617 ( 15 U.S.C. 1681o ) for negligent noncompliance.

FDCPA Section 813 ( 15 U.S.C. 1692k ) for damages arising from violations of my rights under the Act. 

Conclusion I trust that transUnion and XXXX will take this matter seriously and act in compliance with federal law. I expect written confirmation of the resolution of this dispute within 30 days of receipt of this letter, as required by the FCRA. 

Thank you for your immediate attention to this matter.
Product: Checking or savings account

This complaint is a follow-up complaint to CFPB complaint # XXXX due to the inaction and lack of communication by HSBC. HSBC ( XXXX XXXX ) responded on XX/XX/2020 requesting that I provide the local authorities ( XXXX XXXX police department ) with the information about the occupants ' identities in the rental property of where the mail containing my debit card stolen. XXXX said that once the police report has been updated with that info, the investigation can continue with an " expeditious conclusion. '' On that same day ( XX/XX/2020 ), later in the afternoon, I went immediately to the XXXX XXXX police department to submit a supplemental report, which I also took pictures of. Those pictures I attached to an email I sent to XXXX XXXX on XX/XX/2020 to update her on what I have done on my end. I had to make several calls before XXXX finally got back to me on XX/XX/2020 that she has sent the additional information to the " Fraud team. '' On XX/XX/2020 I sent another email to XXXX to receive an update on the progress of the investigation, since I have not gotten any updates beforehand, nor any call backs from previous calls. Since that email on XX/XX/2020 I have made a couple more calls with, again, no call backs or responses from HSBC. I had notified in my latest voicemail that I will be filing yet another CFPB complaint because as I have mentioned in the previous complaint, HSBC is absolutely not moving towards an " expeditious conclusion '' and wants to drain my account dry with the exorbitant maintenance fees, leaving my current balance as of XX/XX/2020 to be {$38.00}.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I run a business that functions mostly on credit card transactional deposits. I opened XXXX accounts with TD bank for daily use of this cash. I continually get overdraft fees ( thousands of dollars ) as the card allows you to overdraft. They did not initially tell me about this feature. When I found out, I complained to management multiple times that I do n't want these fees and to turn off this feature as I have employees using the cards and they do n't always know the account balance. They refused to turn off this feature. I literally am getting hundreds of dollars a day in fees. I feel they are taking advantage of low income citizens. I do n't make a lot of money but I work hard for what I do make. I would like the accounts closed and the fees refunded.
Product: Credit card or prepaid card

No action taken besides my account closed. I added money into the account and my account was still closed and still in the negative
Product: Checking or savings account

My bank account for Huntington was compromised I made a police report closed said account opened a new account and because I was a victim of fraud they will not open another account black listed me
Product: Credit card

I opened a new card at AMEX. The account was opened for less than a month and AMEX requested to see my prior tax returns from the past two years. I specifically told AMEX that I had not filed my taxes yet and I requested an extension on for them. They told me I need to file my taxes and I had 15 days to do so. I filed my taxes in order to keep my account open and filled out there requested information. After the 15 days, I called AMEX and they told me I had not filed my taxes and closed my account after I did exactly what they told me to do. Also, AMEX has lied to me of when payment was due. I offered for AMEX to see my returns and they rejected my request. I have called multiple times to get this issue resolved and AMEX has not done anything to help me as far as keeping my account open
Product: Credit reporting or other personal consumer reports

FCRA 605B might mandate the elimination of erroneous accounts from my credit report. Could you verify the documents? Some accounts listed there inaccurately reflect the reporting, with erroneous amounts and dates.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with Experian, XXXX and XXXX Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. 

I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the fraudulent items on my credit file and promptly contacted Experian, XXXX and XXXX Credit Bureaus. I explained the situation and submitted the required documentation. I was assured that the issue would be corrected promptly. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items from my credit file. I contacted Experian, XXXX and XXXX Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with XXXX and XXXX Credit Bureau 's requests. The presence of these fraudulent items on my credit file is significantly impacting my financial and personal well-being. 

I request the following : Immediate and effective action to remove the fraudulent items from my credit file. 
Clear communication regarding the status of my case and the steps being taken to rectify the issue. 
A formal written acknowledgment of the removal of the fraudulent items. 
Compensation for any financial losses or damages incurred as a result of these fraudulent items. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX DEPT OF EDUCATIONXXXX XXXX Balance : - XXXX 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, TX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Debt collection

I WAS A VICTIM OF IDENTITY THEFT AS A RESULT THESE ACCOUNT WERE OPEN UNDER MINE AND TAXES, PERSONAL LOAN UNDER MY NAME XXXX  # XXXX ... SYNCB/ROOMS TO GO # XXXX. 
ADS/COMENITY/WESTELM # XXXX ... XXXX BANK # # XXXX PORTFOLIO RECOVERY # XXXX,, LENDING CLUB CORP XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Fully Closed and finalized my mortgage XX/XX/XXXX XXXX XXXX is the provider of my mortgage XX/XX/XXXX XXXX XXXX XXXX XXXX was the new holder and provider of my mortgage. 

Between XX/XX/XXXX - XX/XX/XXXX I made over 100 phone calls week by week explaining that I want this Mortgage to show up on my Consumer Credit Reports within Equifax, XXXX XXXX XXXX. They promised it would show up on my Consumer Credit Reports over the phone each and every time. They lied to me each and ever time. It is now XX/XX/XXXX and there is no record of the mortgage on any of my Three ( 3 ) Consumer Credit Reports.
Product: Checking or savings account

On XX/XX/XXXX we made a down payment with a project XXXX to finish our basement by XX/XX/XXXX. Prior to this he had presented us with several companies he works with that have licensed electricians, plumbers, mechanics, and contractors. He originally quoted us a price of {$17000.00} and provided us with an estimate outlining all of the work that he was going to do. 

We paid him a deposit of {$9500.00} to finish the basement and based on additions to the project ( specifically, mini-split, a garbage disposal, sump pump, sprinklers ), he requested an additional {$9300.00}. For labor ( electrician, plumber, and XXXX ), we paid him an additional {$5300.00}. All together on this project, we have paid him {$24000.00}. All of these payments were made from my XXXX XXXX and XXXX account. 

This complaint is specifically in regards to the transactions that occurred from my XXXX Account : XXXX. A {$9500.00} transaction on XX/XX/XXXX for a down payment and labor for basement ( Dispute XXXX ) XXXX. A {$2500.00} transaction on XX/XX/XXXX for labor that was incomplete ( Dispute XXXX ) XXXX. A {$2100.00} transaction on XX/XX/XXXX for sprinklers that never arrived nor installed ( Dispute XXXX ) The project XXXX submitted a building permit ( XXXX ) \ on XX/XX/XXXX to begin work ( approved on XX/XX/XXXX ), another building permit ( XXXX ) was submitted on XX/XX/XXXX ( stopped ) and a mechanical permit ( XXXX ) was submitted and approved on XX/XX/XXXX ). On XX/XX/XXXX, he arrived to our home and stated that by the end of the week he would bring all the materials to our home, the plumber would begin work, the electrical permit would be submitted, and he would sign a written contract that is aligned with our verbal contract and exchanged text messages. He did not follow through with the above and during a recorded phone call with me on XX/XX/XXXX, stated " I'll give you all the money back for the entire project '' if the expectations above were not completed by Wednesday, XX/XX/XXXX. We have not seen him since this date, though he texted us daily. 

On Saturday, XX/XX/XXXX we told him that we would need a refund for the money that we prepaid him or we would contact the authorities, your office, and the media in hopes of preventing him from defrauding others. To date he has not paid us back. I filed charges with XXXX XXXX Police Department against him for giving false documents to a government official. 

I contacted XXXX customer support on XX/XX/XXXX and disputed the charges listed above ( XXXX ), however they sent me an email on XX/XX/XXXX recommending that I would need to reach out to the recipient for payment. However, I had already done so and the recipients account has been locked on XXXX. 

I reported these disputes to Ally Bank on XX/XX/XXXX, however I received a response on XX/XX/XXXX saying that they have completed their investigation and that the transaction was authorized and is correct. 

I firmly believe that XXXX and Ally Bank are not protecting my interest as a consumer. I no longer authorize the above transactions and have been scammed out of money for goods and services that were not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was XXXX to XXXX, XXXX and forward XXXX  to a hostile zone ( orders attached ) during that time JP Morgan Chase reported that I had been late for a {$12.00} dollar credit card bill. I was not aware nor able to know that the bill was past due since I had no form of communication and did not receive a letter. In XXXX, the National Defense Authorization bill included updated language in the FCRA which " extends consumer credit protections to XXXX XXXX armed and uniformed consumers to dispute adverse actions or inaction on their credit report that occurred while they were in a XXXX XXXX, aboard a XXXX vessel, or away from their usual duty stations. I had requested through JP Morgan Chase to remove the item and through XXXX and XXXX and XXXX however they said that the bank verified it was valid. the credit bureaus did not take into account the new updated fcra guidance and solely went off of what JP Morgan Chase had reported to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to Transunion about XXXX XXXX ; I have paid in full to the account. I also want to know why these United States Credit Bureau 's are allowed to only report negative information from Wireless companies and Utilities? This is a one way avenue that is a direct Economical impact to the wealth of our country. This is a bias practice. If these companies want to report negative on our Financial Credit system then they must report good credit to these companies as well. This process is unfair and bias towards the wealth of Banks and APR that sucks American 's Wealth which Politicians and their Lobbyist get rich from. Enforcing a fair Credit system is Key and allowing these companies to biasly report is a CORPORATE CRIME against AMERICA!
Product: Debt collection

They are trying to get me to pay a debt that I did not open it's over 20 years old and now on my credit report. I didn't know what this debt was even for now I do it for a credit card that I personally never opened and I have not had the last name in over 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issues were not addressed. I asked the credit bureaus to verify all items on my report and they did. They stated that everything was accurate without providing any proof. I provided al the accounts and highlighted all the inaccuracies. Under the FCRA Bureaus are required to have a copy of the original creditors documentation on file to verify that the information they are reporting is actually mine, and it also has to be correct as well as accurate. When asked to verify bureaus are supposed to provide original copy 's with my signature as verification. Transunion did not provide this information.