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

Please remove inquire ( S ) below, as I didn't give any companies access to my report ; please block or remove these listed below 1.XXXX XXXX, XXXX XXXX 2.XXXX XXXX, XXXX XXXX XXXX XXXX 3.XXXX  XXXX XXXX XXXX XXXX XXXX 4.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 5.XXXX  XXXX XXXX XXXXXXXX
Product: Checking or savings account

I am having trouble accessing my money at US Bank. I did a XXXX transaction for a big amount which triggered their fraud protection. It locks you out of your account for 48 hours. I waited 48 hours and called multiple times during this time, but the amount of time is set automatically. During this time, I could not access my account at all online or though mobile banking. 

After my access was restored, I told customer service I would like to do the XXXX transaction again. I did it with the agent on the phone, but my access was locked again. There was no guidelines other than a vague " wait 24 hours '' but I need to send the money as soon as possible. My account is locked again without recourse.
Product: Credit reporting or other personal consumer reports

According to the Fair credit Reporting Act 15 USC 1681 section 602 states There is a need to insure the the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for customer rights to privacy. The 3 credit bureaus XXXXXXXX XXXX XXXXXXXX are consumer reporting agencies while i am the consumer. My rights to make sure my private information will not be shared. Under 15 USC 6801. the policy says that Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of me the customer and protect my security and confidentiality of those customers nonpublic information ( furnisher of information to credit agencies is a financial intuition by definition under that title. 15 USC 1681 section 604 section 2. Under this policy transunion, equifax, experian nor financial institutions do not have my consent verbally, non verbal, or written consent. Any and all consent whether it be verbal, non- verbal, written, nonwritten, implied or otherwise revoked. 15 U.S.C 6802 ( b ) ( c ) states that a financial institution may not disclose non public information to a nonaffiliated third party unless the consumer is given an explanation of a non disclosure option. They have informed me of my right to exercise nondisclosure option. also 15 USC 1681c ( a ) 5 states except as authorized under subsection ( b ) no consumer reporting agency may make any consumer reports containing any of the following items if information any other adverse item information other than records of convictions of crimes with antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681 s-2 ( A ) ( 1 ) a person shall not furnisher any information. relating to a consumer. 15 U. S Code 1681states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c. also CFR 1016.7 a consumer has the right to opt out at any time. I am opting out of your reporting services
Product: Credit reporting or other personal consumer reports

XXXX XXXX and 21st Mortgage submitted a Hard Inquiry after canceling the morgage quote because lender would not approve morgage on these types of properties explicetly. and the lender refused to lend in the area requested by choice not by technicallity. Other lenders did not require hard inquiries to offer lending quotes and where able to complete the application process for loan approvals based on soft inquiries alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Balance : {$480.00XXXX XXXX XXXXXXXX XXXX Balance : {$740.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I refinanced with a new lender at the end of XX/XX/XXXX. My XXXX mortgage payment to Home Point Financial was erroneously paid twice. Once at the payoff from the refi on XX/XX/XXXX. The second time was via Auto Pay that was previously set up. They took the payment for XXXX again via Auto Pay on XX/XX/XXXX. I have called 5 times and keep getting the runaround. So far, all I have received is my escrow account balance. They still owe me {$1900.00} for paying the XXXX payment twice.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting

XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information in my file. This information does not relate to any transaction that I have made. 
XXXX ACC # XXXX XX/XX/XXXX XX/XX/XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are fraudulent items I am requesting that they are deleted /blocked by name of source A CRA must block the fraudulent information the victim has identified within four business days after accepting her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Enclosed is a copy of the law enforcement report regarding my identity theft Please let me know if you need any other information from me to block this information on my credit report. 

Sincerely, XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can furnish a account without my written consent instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated, but how is that possible if the fraudulent account was never blocked due to identity theft. 

I have sent them a copy of my police report and also informed Transunion that the id theft situation is all ready being investigated and the listed account shall be removed and blocked.

This is ground for removal and they also violated my rights under 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 that a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from XXXX XXXX XXXX XXXX, I never got any financing from this company or shopped a car with them. 

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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Account, XXXX XXXX  Account # 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 a account without my written instructions
Product: Mortgage

XXXX XXXX XXXX Shellpoint Mortage Servicing Loan # XXXX XX/XX/2020 received Annual Escrow Assessment Statement that indicated shortage of {$290.00}, that statement included a coupon specifically to pay this shortage in full in order to keep my monthly payment at {$540.00}. I used that coupon and remitted {$300.00} on XX/XX/2020. 

They acknowledge receipt on XX/XX/2020, but billed {$560.00} for XX/XX/2020 I have asked that that fee be removed several time but they keep saying they are " looking into this complicated matter '' XX/XX/2020 correspondence saying " your current payment amount is {$540.00} '' XX/XX/2020 corrrespondence now says although they credited my Escrow Shortage payment XX/XX/2020 they " can take up to 2 billing cycles to " re-analyse '' and in the meantime they expect payment of {$560.00}!

Nowhere on the original communication does it indicate that paying the Escrow Shortage ( clearly to maintain lower mortgage amount ) with their coupon, by their imposed due date, is giving them funds to hold for 2 billing cycles to " re-analyse ''. Allowing them to charge unearned " Fees/Charges '' Please see attached
Product: Debt collection

On XX/XX/21 at XXXX XXXX  XXXX XXXX XXXX I was contacted by XXXX XXXX XXXX Insight Management Partners about a debt owed to XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed the company may have secured my telephone number from the XXXX I believe this company got my telephone number either from the dark web or from lists of phone numbers obtained through hacking of social media sites such as XXXX. If Insight Management Partners obtained my telephone number through these means, the company should be investigated and a class action lawsuit should be filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 experian reported two new late payments on my file and decreased my fico score by 41 points. there were NO NEW LATE PAYMENTS - the two accounts that were documented as having the two NEW late payments were XXXX XXXX XXXX and XXXX XXXX XXXX. however - both accounts have been closed and charged off for many years. 
for the past 5 years - since they are closed and charged off - there have been NO new late payments reported. see attached experian documentation taken from their web site for my account - you will see 2 " Negative Payment Activity We noticed 2 new negative payment activities. '' however - look at their report stating the last time there was any late payment incidents and you will find the last late payment on my file was 1 year and 2 months ago which is actually not related to either XXXX XXXX nor XXXX XXXX - it was a late payment on a closed PAID IN FULL credit card account - so experian needs to research and explain why i have not had a late payment reported on my file but they report i have 2 new late payments - this is contradicted by their own audit trail on my  late payment history. 

this is incorrect and is causing me financial hardship because it takes my fico score from ok to poor. experian needs to be in adherence with the fair credit reporting act and correct this error on my file and add the 41 point drop back into my fico score. 

Open Credit Cards 0 Open Retail Cards 2 Open Real Estate Loans 0 Open Installment Loans 1 Total Open Accounts 3 Accounts Ever Late 3 Collections Accounts 0 Time Since Negative 1 Year 2 Months Average Account Age 5 Years Oldest Account 11 Years 6 Months
Product: Credit reporting, credit repair services, or other personal consumer reports

Before the coronavirus my credit score was XXXX and after the coronavirus my score went down to XXXX. This is unfair due to the fact that I have not been out of work and I have not stopped paying my bills. Then XXXX reported did I had a 39 % usage on my XXXX credit card XX/XX/XXXX which is absolutely wrong because I have not used that card in months and have continued to pay the bill. This problem needs to be addressed.
Product: Credit card or prepaid card

Theres a new account open from XXXX XXXX XXXX that does not belong to me it just showed that someone used my SSN to open a new account and Im not sure what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TN XXXX 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

For a few years now. I have had an account with XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX and both of my accounts have been breached. They have finally informed me by email of the matter. Identity theft on my report it has been affecting my score.
Product: Credit reporting or other personal consumer reports

Im asking for sign documents are contact that I sign are how they they can up with accuracy of information they cant provide me with anything I see wrong address and wrong social Security number on my report charges late payment that are not mine this causing me stress I want resolve I want to file a complaint and see if there anything else I can do about this please let me know
Product: Credit card or prepaid card

This is my old complaint #  XXXX  which is closed.   Bank of America has made wrong decision based on my past affiliation with my last employer and my old friends in   XXXX   XXXX  . I left my past emplo yer (   XXXX   XXXX   XXXX   ) i n  XXXX   XXXX  because company had financial and legal problems.   I le ft USA on   XXXX   XXXX ,  XXXX  and came back  XXXX   XXXX ,  XXXX  to  XXXX . ( I have given profs of me not being in  USA )  Since  XXXX   XXXX ,  XXXX  I have no contact with anyone in   XXXX   XXXX   nor I have been to   XXXX   XXXX  . Someone from my old addres s (   XXXX   ) got hold of my credit cards coming in mail and used them illegally without my knowledge. Therefore I 'm not responsible for the charges on my closed credit cards accounts.    Please help me to resolve this problem. I 'm having lots of problem because my credit report is very bad because of this.   Thank you very much.
Product: Credit reporting

Dear sir/madam, as I was going through my credit report on XXXX, EQUIFAX and XXXX, I noticed a negative report on my credit. The negative report was from a Company called XXXX. First I have never had any account with XXXX XXXX do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. I DO N'T EVEN KNOW WHAT KIND OF BUSSINESS THEY OFFERI am requesting that XXXX or any of their affiliates should remove such negative statement from my credit reportI ATTACHED A COPY OF MY UTILITY BILL AS A PROOF
Product: Credit reporting or other personal consumer reports

I do not recognize this address and please remove it from my credit report : XXXX XXXX XXXX XXXX  XXXX XXXXXXXX
Product: Debt collection

I received a bill from Online information Services a debt collector for {$990.00} to XXXX XXXX. 
I called XXXX XXXX and they said it was an electric bill for an address in Texas. I live in Alabama and never even been to Texas. They said I would have to file with Federal Trade Commission and file a police report.
Product: Credit reporting

Item 1 : Use of Credit Score : It should be by law that if a Service or Vendor uses a credit score from XXXX of the XXXX credit agencies, to determine an account with said company. 
That Service or Vendor is required to report any and all account activity ( both recent and current ) to the credit agency they obtained the credit score from. Not reporting is discrimatory to that consumer. 
There are too many consumers who have had problems with ID Theft-There is NO actual assistance from anyone to aide in restoring a consumers credit. 
Too many of these Services and Vendors are capitalizing on this and requiring a deposit from that consumer. There is NO return time for that deposit, no interest for the consumer for the monies being held by Services or Vendors. 
There are alot of Consumers who have opted out of credit-why should we pay for ID Theft over and over again-There is NO ONE there to assist us. We do not need ways of preventing it-we need laws that would prevent it. We need the XXXX Credit Agencies to be more responsive to who is looking and why? 
Handing out credit scores to any Service or Vendor is WRONG! If that Service or Vendor is not a member or does not contribute to these agencies ( Consumer Account Data ), that Service or Vendor will be kept from obtaining any data. 
I am tired of paying for other peoples lives! 

XXXX is a good example of profiting off of deposits from credit score usage. It does not matter the amount, even a {$.00} profit is discrimatory to that consumer, when using the credit score-the only basis for acceptance for service. 


Item 2 : Time for Broadcast vs Time for ADS Rules need to be established for AD Usage on TV. 
A 30 min NEWS schedule is not 30 mins of News, but approx 12 mins. of News ; 18 mins. of ADS for profit, Ads for TV Network, Ads for Public and Charity ( very few for Public and Charity ). 
Ads have become longer in time ; Infomerials are now 1 to 2 mins ; Ads for prescription drugs are biggest abusers of time for Ads. 
TV Stations KNOW EXACTLY what is happening. Every since 2008, TV Station AD Vilators, changed the amount time allowed in ads. It means HIGHER PROFIT for these AD/Time violators. How long do they think the consumer will ALLOW this to happen? I have already started writing advertisers how disappointed I am with this violation of my rights-NEWS for at Least 70 % of the 30 mins scheduled. If do not comply I will start posting bad reviews of products. Social Media Works! 
I have written XXXX ( Biggest Abuser ) ; XXXX ( Second ) ; XXXX ( Third ) about my disatisfaction on the Abusing of TV ADS FOR PROFIT. 
If a TV STATION Schedules a program-that PROGRAM Should be worth a consumers time ; At a minumin of 65 % of the scheduled time slot/program for the actual program scheduled. MEANING 35 % max for advertising ; OTHERWISE it should be called TV ADS SCHEDULED-Not ADS Guised under the programs name. 

Please, Start protecting the CONSUMERS. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OFFICE OF THE ATTY GEN 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Turned in lease early bought a new car from same dealership in XXXX 2017 they were supposed to pay the rest of the car off and the time the dealer ship did created late payments I was never late on a payment the removed it from 2 credit bureaus but have not removed it from XXXX I 'm trying to buy a house and this is really causing a problem for me I have spent hours on the phone with them and I can not get anywhere
Product: Credit card or prepaid card

This is a follow-up to CFPB Ref No : XXXX-XXXX. In their response, American Express stated that " we found that the representatives with whom you spoke provided you with incorrect information about the offer associated with your account '', yet provided no reason why they had incorrect information. I believe this is because my account is showing I am eligible for the Free Weekend Night, but American Express is refusing to provide it. Additionally, American Express has not provided the cardmember agreement which stated the terms of my bonus. I've attached a picture of the offer I signed up for to verify my claim that the offer included a free weekend night.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XX/XX/XXXX Balanced {$0.00}
Product: Debt collection

On XXXX/XXXX/XXXX, I received written notification ( see attachment ) from XXXX XXXX XXXX on a closed Wells Fargo checking account.The letter indicated {$560.00} as an amount owed which is incorrect. 

On XXXX/XXXX/XXXX, I received written notification ( see attachment ) from Wells Fargo Remediation Department that the bank owed me {$85.00} and enclosed a check in that amount. That check was cashed at my current banking institution. 

XXXX XXXX XXXX should have received correct information from Wells Fargo concerning this alleged debt prior to notifying me. As a result, the information in which I received from the collection agency is incorrect and therefore violates the Fair Debt Collection Practices Act.