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

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XXXX  and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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
Product: Credit card or prepaid card

Home Depot mailed me an offer of credit, which arrived in the mail on X/XX/17. The offer indicates that my personal credit report was used to make the offer. The credit offer is underwritten by Citibank. Home Depot is aware that Citibank and I have previously agreed to have no further contact, and that Citibank is not to send me offers of credit or access my personal credit report. Citibank 's attorney has repeatedly told me that these offers will stop.
Despite that agreement, Home Depot accessed my personal credit report and mailed me the offer of credit they knew would not be honored.
Product: Mortgage

Freedom mortgage continues to provide in inaccurate payment history to Lenders I am trying to refinance. The last payment history Freedom provided shows 30 day late payments for XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have attached a copy of the inaccurate payment history.
Product: Vehicle loan or lease

Unfortunately, at the time of the incident, I had job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.
Product: Debt collection

I have a debt with XXXX XXXX XXXX collecting for XXXX THAT IS ON MY CREDIT. THIS DEBT IS NOT MINE ON MY CREDIT. This is mistaken/stolen identity! I demand to have removed from my credit immediately it is within my legal right! I Ive tried several times to dispute this debt! I REPEAT I TRIED TO DISPUTE THIS SEVERAL TIMES. THIS IS NOT MY DEBT. I HAVE NO ACKNOWLEDGEMENT OF XXXX THIS IS MISTAKEN IDENTITY
Product: Checking or savings account

We have banked with Vystar Credit Union since 1984. XXXX we were notified that XXXX XXXX would be down from XX/XX/XXXX XX/XX/XXXX, online and mobile banking would be down the XXXX XXXX. We scheduled our bills through the end of XXXX. 

XX/XX/XXXX the system was not available and was down through the end of XXXX. Vystar sent emails stating the system was up for people to use on or about the XXXX. My husband and I spent hours that turned into days trying to log on and see what had transpired on our accounts over 3 weeks. I even sent an overnight letter to the office of the CEO explaining we could not log in and no one at Vystar was able to help with the page not found error we received everytime we tried sign on. The letter was sent on XX/XX/XXXX. No response has ever been received. Vystars senior management continued to send broadcast emails to everyone stating the system was up. There was no acknowledgement of the continued issues logging in or the fact that bill pay was not available. 

I reported the issues I was having to the news in XXXX. We live in North Carolina so the reporter interviewed me via XXXX. When XXXX XXXX XXXX reached out to Vystar to ask about the issues that continued to plague their customers, Vystar did not acknowledge the issues continued. The PR department just gave a pat statement that customers are able to log on. The reporter told me they knew there were still customers that could not sign in as some of their staff could not log on. 

My husband spent the day on XX/XX/XXXX trying to get assistance. After hours of being on hold the Vystar rep told my husband they would have someone from the IT team call him back. He never received a call back. On XX/XX/XXXX my husband called back to see if he could be connected with the IT team that could assist with the no page found issue. At XXXX pm XX/XX/XXXX he was able to log on to our accounts. It took IT all of XXXX minutes to fix the issue. 

Mobile Banking was just brought back on line this week. 

My complaint is Vystars Senior Management was not transparent with all the issues, never revealed the fact that bill pay was not available at all through their phone system XXXX XXXX that we were continually told to use. There was no plan in place for the failure of this magnitude. There was no backup plan to put the old platform in place while the issues with the new platform were fixed. There is no excuse for this. Both my husband and I have worked for national banks, banks that were considered too large to fail, and understand there are times that systems will not work as planned but a back up plan is always in place. Vystars issues rest squarely on the shoulders of the CEO who did not ensure the customers were able to handle day to day tranactions for over a month.
Product: Credit reporting or other personal consumer reports

My info was exposed in massive data breach thats effecting my credit right now today and I will like all the unauthorized information and inquiries and etc. removed
Product: Credit reporting or other personal consumer reports

Please note this account is not mien and the company doesnt provide me any proof. i need this account deleted i am attaching all proof i have. MY address is XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Account number name & # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the constitution it states that. : 15U.SC 1681 sec 60A-/ : STATES I HAVE THE RIGHT TO PRVICY.!!

15.U.S.C 1681 Sec : 604A/sec2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT!!!! Finish account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) sec : STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEAMS OF INFORMATION, AND OTHER ADVERSE ITEAM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WITCH ANTENDS THE REPORT BY MORE THEN 7 YEARS!

15. U.S.C 1681s-2 ( A ) ( 1 ) : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS REPORTING OR HAS REASONABLE CAUSE TO BELIVE THAT THE INFORMATION IS INACCURATE! 


I HAVE BEEN VIOLATED ON THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX amount {$480.00} ( originally XXXX XXXX ). I NEVER GAVE MY PERMISSION??? 
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 Remove all listed from my credit report even closed accounts.
Product: Credit card or prepaid card

Capital One Banking has been harassing me calling repeatedly late nights after XXXX XXXX, sometimes after XXXX XXXX. They wont lower the amounts of bill and keeps adding fees even after me letting them know I lost my job and have very little right now. They agreed to put me on a program where I wont be charged late fees but yet I still am receiving them? & they keep calling me Over and over at inconvenient times. Its honestly just making things even more stressful, the bill was {$100.00} but is now over {$200.00} after all the late fees theyve continuously put
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I purchased a XXXX  XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX At the time of my purchase I already had financing to purchase and without my consent the Sales Manager requested financing, resulting in a hard pull to my XXXX score, with seven institutions that I did not authorize to do so. This was after the conversation between myself and the sales person advising of the financing I already obtained for the purchase of the car. Regrettably, it wasnt until the next morning that I was made aware by XXXX and the other credit reporting systems I use of the inquiries made by Wells Fargo, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX making hard pulls to my credit the previous day. I followed up with XXXX XXXX and they provided me with a letter stating that the inquiries we not accurate and should be removed from my report due to their error. I submitted a request to XXXX through the online website to dispute and less than 24 hours they stated it was accurate and would leave them on my credit report for 2 years. No proper investigation was done nor was I asked or able to provide the documentation to support my request to have those inquiries removed. Today, XX/XX/2022 I called into XXXX to resolve the issue and instead of being assisted I was transferred back to the automated message at the start of the call. Prior to me being transferred back, the representative advised Id speak to a supervisor and that 3 of the companies had retracted their pull. However their report states otherwise. I requested documentation to show proof of those inquiries being deleted and the representative refused to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX I FOR THE AMOUNT OF {$5.00} XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX  I opened XX/XX/XXXX XXXX FOR {$5100.00}, XXXX XXXX XXXX opened XX/XX/XXXX XXXX FOR {$14000.00}, XXXX/XXXX XXXX  opened XX/XX/XXXX XXXX FOR {$0.00} XXXX XXXX opened XX/XX/XXXX XXXX FOR {$5100.00} , XXXX opened XX/XX/XXXX XXXX {$4900.00}, XXXX  XXXX  XXXX opened XX/XX/XXXX XXXX FOR {$14000.00}, XXXX XXXX XXXX opened XX/XX/XXXX XXXX FOR {$5100.00} XXXXBY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA , under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting, credit repair services, or other personal consumer reports

I am taking part in the forebearance program for mortgage. Navy Federal Credit Union informed that this will not be reported to the credit bureaus. My reports now reflect that my mortgage is in Deferred status. I contacted NFCU and was told they had not reported this to bureaus. I contacted bureaus again requesting who is reporting this and told it is reported from my financial institution. NFCU was contacted again and informed me that there was nothing they could do. Dates reported are XX/XX/XXXX, XX/XX/XXXXand XX/XX/2020 for mortgage.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, equifax consistently responds within 24 hours stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the fair credit act reporting act ( FCRA ) 15 U.S.C & 1681i, which mandates a reasonable investigation of disputes. Furthermore equifax actions may also contravene the consumer financial protection act ( CFPA ) 12 U.S.C & 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB recent administrative proceeding ( file no.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure equifax complies with the necessary proof of investigation.
Product: Credit card or prepaid card

we previously filed a complaint about this and the company responded that there were no payment accounts added and no payment attempts had been made, this however is blatantly FALSE! 
The attached screenshots of our prospers account CLEARLY show that there are 2 PAYMENT ACCOUNTS currently added to this account, both checking accounts were added when we registered for online access back in XXXX! 
The screenshots further show the error message we receive when trying to make a payment, this error has been persistent since may, we have send a total of XXXX emails to the customer service in this regard and never received a answer!

As far as the claim of the company concerns that no payment attempt has been made we have a RECORDED conversation with the customer service department of prosper marketplace in which the agent CONFIRMS that she could see a total of 3 failed payment attempts!

It is correct that i did not give bank account information over the phone, first of there are already 2 bank accounts added to the account for payment and customer service should be able to initiate a payment over the phone using this information, i have several credit cards from other issuing banks and with every single one i can call in and make a payment over the phone WITHOUT having to give my account information! 
Prosper further claims that they requested further information from me in response to the XXXX Claim however this is also a lie as i never received any follow up from prosper after a confirmation email was received on XX/XX/22 stating that due to a high volume of messages a response would be delayed! 
At this point it is questionable to me whether prosper is a legitimate business or a predatory lender using questionable business tactics to cash in on people with less than perfect credit, the events and untrue responses to the previous complaint surely seem to suggest so. 
I have also conducted further research into this and it seems there are quite a few other customers out there with similar problems
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring to your attention that TransUnion has unlawfully re-inserted several fraudulent accounts on my credit report, which had previously been deleted. ( See attached proof ) These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).

TransUnion is in violation of FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) regarding the re-insertion of previously deleted material : * 15 U.S.C. 1681i ( 5 ) ( B ) ( ii ) mandates that I should have been notified in writing within five business days of the reinsertion. I received no such notice.

* 15 U.S.C. 1681i ( 5 ) ( B ) ( iii ) requires that TransUnion provide the business name and address of the furnisher of information and their contact details, which were not provided to me.

* 15 U.S.C. 1681i ( 5 ) ( B ) ( i ) prohibits the reinsertion of deleted information unless the furnisher certifies the accuracy of the information. There is no indication that this requirement was fulfilled.
Product: Credit card or prepaid card

I filed the following CFPB complaint re : Capital One Case : XXXX CFPB No : XXXX in late XX/XX/XXXX. Capital One responded, in pertinent part, Dear XXXX XXXX XXXX, You recently contacted the Consumer Financial Protection ( CFPB ), about charges from Spy Spyfly.com for {$1.00}, billed to your account on XX/XX/XXXX, and {$29.00} billed to your account on XX/XX/XXXX. As well as charges from XXXX for {$1.00}, billed to your account on XX/XX/XXXX, {$39.00} billed to your account on XX/XX/XXXX, {$39.00} billed to your account on XX/XX/XXXX, and {$39.00} billed to your account on XX/XX/XXXX. We understand you believe these charges are fraudulent ....

Our records show, on XX/XX/XXXX, you spoke with one of our agents to report fraudulent activity ... .Regrettably, the agent failed to file a lost stolen report on the card where the charges took place ... Because of this, the merchant was able to continue charging the account on XX/XX/XXXX, and XX/XX/XXXX, as mentioned above.

As a result, we re-billed your account on XX/XX/XXXX, for {$29.00}, XX/XX/XXXX, for {$29.00} and XX/XX/XXXX, for {$39.00}.

***However, as of XX/XX/XXXX, I can confirm all of the fraudulent transactions have been credited to your account and there have been no additional charges from the merchants. *** If you have any additional questions or concerns, please give me a call at XXXX, Monday-Friday from XXXX XXXX XXXX PT. When contacting me, please use XXXX as the 6- digit PIN when prompted. My 7-digit extension is XXXX. Im glad to help any way I can. 
Sincerely, XXXX XXXX, on behalf of Capital One XXXX : This last sentence marked by XXXX XXXXis untrue. Capital One continued to rebill me for {$39.00}. Three times. I tried calling and leaving a msg for XXXX, XXXX, at the number he provided to advise him of the last {$39.00} rebill on XXXX 2018 that was not refunded, contrary to Capital One 's letter to CFPB. His name is not on the XXXX greeting. Instead it is a " XXXX XXXX. '' I left XXXX on XXXX, XXXX, and on XXXX, XXXX, a senior acct executive,  said he was sending an instant msg to XXXX as we spoke. To date, neither Ms. XXXX nor XXXX, nor anyone from Capital One has contacted me to follow up and resolve this. The final {$39.00} rebill for the fraudulent charge remains on my acct.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Account Number : XXXX Reason : Please provide documentation that verifies the validity of the charge-off status. If no such proof can be provided, I request that you promptly update the balance to {$0.00} or remove the negative payment status associated with this account. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items are either reported inaccurately or have already been resolved. I kindly request a thorough investigation and correction. Despite reaching out to both the credit reporting agency and the data furnisher, the issue persists. I have included supporting documents and screenshots of my credit report that highlight the inaccuracies and substantiate my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately four or five mos ago attempted to order my annual credit report from all three agencies online as has been done w/o problem in years past. I couldnt get access online and was prompted to try via phone. I thought they were successfully ordered but apparently they werent or they hit a hiccup. Revisited the site and got the form to mail in, that was approx three mos ago. I heard back from Transunion only, requesting a bunch of prove-you-are-you data. XXXX  phone was answered by someone I couldve imagined running drugs as a second job. I can get an outline of a current report via an online credit /identity monitoring service but this isnt what Im used to and whats going on in this pit of darkness? I dont believe they have to worry too much about lawsuits ( because corporations are people and the individual is lesser than a person ) so what appears to be hypercaution may not be so which is concerning.