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

I, XXXX XXXX, do hereby state that the following information is true. 

Several creditors and items are being reported on my credit report that I have no knowledge of and believe should be removed. I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and FTC/ IdentityTheft complaint # XXXXBelow are the specific accounts and inquiries in question : Accounts to be Removed : XXXX. XXXX  XXXX  - Account Number : XXXX - Amount : {$1100.00}/ Collection Account XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. DEPT OF EDXXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. DEPT OF ED/XXXX  - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX Additional Requests : - I need the block on my online access removed. 

Additional Accounts : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX Inquiries to be Removed : XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My account was frozen on XX/XX/23, due to fraudulent transactions, that has been resolved. 

The problem is getting them to unfreeze the account. 

They tell me they will unfreeze the account and send me an e-mail in a week to ten days Two weeks later I call them again and they tell me they will unfreeze the account and send me an email.

Two weeks later same thing and no results.

I want them to either unfreeze the account or close it and give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative information is showing on my credit report when the account is not even under my name. The name on the account doesn't match my name. Is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, and 15 US C 1681a ( 2 ) ( B ) right of exclusions, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit card

I was told by the credit card company that the reason why they close my account because I have a XXXX and other revolving accounts. I had a XXXX and other revolving accounts when I acquired the credit card and my mortgage and my other accounts are being paid as agreed I also have other accounts with synchrony Bank, which they did not close, but they close this one with XXXX, I have not attempted to use the card or I have not done anything but tried to pay the card off. They told me once the account is closed they will not reopen it but the reason that they gave me for closing the account is not a legitimate reason, because I am on time with my payments, and they had no reason to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report on XX/XX/23 I recognized XXXX accounts that violate XXXX  XXXX XXXX XXXX ( XXXX ) ( A ). XXXX XXXX XXXX - XXXX and XXXX XXXX XXXX XXXX XXXX I requested an investigation into this matter no one contacted me with any evidence to validate these accounts. Furthermore the information is inaccurate as well. I have included evidence that will show how these accounts are furnished improperly.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$7100.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX Balance : {$8200.00} ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, to whom this may concern. An account with account # XXXX was opened in my name on XX/XX/2020 without my authorization with XXXX for {$6600.00}. I'd really appreciate it if this was taken care of and removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I filed a dispute with the three credit bureau ( XXXX, XXXX, and Transunion ) about an account that was reporting inaccurately on my credit report which was XXXX XXXX  account number XXXX XXX. I asked for methods of Investigation from all three credit bureaus and received nothing from them. But XXXX  removed this inaccurate account on my credit report which was correct to do according to the FCRA. But Transunion and XXXX  did not send me any method of Investigation nor any reason why they were leaving it on my account. Which leads me to believe that there was not a full investigation.i sent another dispute in XX/XX/2020 about this account and it came back verified. How is it that XXXX  removed it because of the inaccuracies which is correct according to the Fair Credit Reporting Act, but XXXX  and Transunion Deemed this accurate. I'm asking that they remove this account immediately According to the rules of the Fair Credit Reporting
Product: Debt collection

I paid my debt as requestedXX/XX/XXXXand was told that my account was satisfied and closed by Midland Funding ( the legal subsidiary ). When I called to check on my account with Midland Credit Management ( the consumer support division ), I was told they had no record of my payment and it was " in another system. '' This is a situation where I have paid as agreed and they are sending me from one company to the next, playing hot potato with my attempt to clear my account and remove their trade line from my credit report - which they indicate they must do per their very own website policies. I can never get a straight answer from anyone, any time that I call, regarding how long it will take and what steps need to be taken other than a very broad " can take up to 30-45 days '' each step and " you must wait, thats the way things are. '' All the while, their employees and supervisors take a smug and arrogant attitude and pursue shame and guilt as tactics to give themselves some unnecessary space from answering the question at hand. The point remains that I have no debt with this company and they are in no hurry whatsoever to resolve my claim and clear my name. They are hiding behind technical incompetence and " the way things are '' as opposed to having a positive outcome with a client of theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following has violated my rights : XXXX XXXX XXXX- account - # XXXX, XXXX XXXX XXXX- account- # XXXX, ( Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) XXXX XXXX XXXX account # XXXX ( Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX ) XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX ( Address : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ) XXXX XXXX XXXX- account XXXX XXXX ( Address : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXXXXXX account # XXXX ( Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX ) XXXX XXXXXXXX XXXX- account # XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL. XXXX ) XXXX XXXX XXXX - account # XXXX ( Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, DE XXXX ) 15 U.S.C 1681 Section 602 A states that 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: Debt collection

I received a notification from XXXX XXXX that there had been a change to my credit report. When I looked I saw this debt I saw that it was from this collection company that I had never heard of, nor have I ever received anything in writing giving me the opportunity to dispute the debt, or verify the debt. I disputed the transaction onXX/XX/XXXXwith XXXX XXXX. This item just all of a sudden appeared on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 700 CREDIT/XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, CERTIFIED CREDIT REPOR Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Checking or savings account

I was a victim of a scam artist that obtained my personal information when i was applying for a personal loan back in XXXX of XXXX. The scammer got my banking information around the XXXX of XXXX such as my acct name and password, and reversed legit transactions i had been making for years, i.e. rent payments, phone bills, etc. For some reason Chase bank never questioned me or red flagged these disputes of made payments. After my seeing what was happening in my acct, i went to Chase and asked them what is a reversed transaction, therefore with the explanation i had to tell them that no these were in fact legit payments- and i dont want the reversed process to occur, since i did not even initiate the processing of it. Due to all of the reversed transactions that were pending, Chase decided to close my acct. I asked my banker if this meant no more checks or payments either going in or going out could occur. She told me no, the acct is closed so there will be no more of either activity. I was expecting to receive my final stimulus check. In XXXX, i still hadn't received my stimulus that i was expecting so i went to Chase bank and they said yes we received it but ur account is so far in the negative that we kept it and put it towards your balance. I was told Chase closed my account by the XXXX, my stimulus came around the XXXX or XXXX. I had even submitted proofs of my filing a police report for identity theft and fraud, and paperwork on my XXXX XXXX and XXXX  of needing to freeze my information.
Product: Checking or savings account

I account was compromised. 
XXXX with the corporate office told me on Friday XX/XX/year> that my check was mailed out by XXXX that morning and he would call me back with tracking information. I have not heard from him since nor have I received my check. I have called and emailed him but doesn't get a response.
Product: Credit reporting or other personal consumer reports

XXXX and Experian continue to report the account XXXX incorrectly. The information reports several different ways. This is impossible for XXXX account. This means this account has not been properly verified as accurate. 


Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Account Status : Open Closed ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( 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 subchapter.
Product: Credit reporting or other personal consumer reports

Hard inquiries on my credit report that aren't mine. Identity theft report filed & submitted. 

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

XX/XX/2018 I contacted TransUnion about a dispute and incorrect information being reported on my credit report by XXXX XXXX. I was informed that XXXX XXXX verified the incorrect information and that I could submit another dispute. I contacted XXXX who said they contacted TransUnion to verify that they received the reporter payment history. My problem is that XXXX claims they have reported my payment history to TransUnion and TransUnion says they only have what is shown on my credit report. XXXX with XXXX said that when they contacted TransUnion they verified that the correct history had been reported. I already filed a complaint against XXXX but Im not sure if the issue is with XXXX or TransUnion now. I am in the process of a mortgage application and XXXX has agreed to advise my lender of my up to date payments and the pay off of the balance. I need my credit report to reflect the correct payment history.
Product: Debt collection

Constantly calls work number even after being told to stop as they have the wrong number.
Product: Checking or savings account

back in XXXX of 2022 i went to wells fargo branch in XXXX ca. to apply for a XXXX  loan cus my business was badly hurt from the pandemic i heard all companies that were affected could applied for financial help from the goverment, wells fargo employees denied me of financial help later on it came in the news that some of the employes applied and got XXXX  loans commiting fraud
Product: Credit reporting or other personal consumer reports

I recently had to review my credit report again because I can not cash a check anywhere I have XXXX XXXX XXXX checks right now that I can not I can not obtain any money because of my credit score. So I obtained my reports from XXXX XXXX and XXXX. I had already filed the complaint about CHEX SYSTEMS and they're inexperienced to determine financial decisions yet financial institutions Trust them enough to rely on their score to determine whether a consumer is eligible for banking or not. But in my report from CHEX SYSTEM, it shows that I have hard inquiries through XXXXXXXX XXXX XXXX XXXX So if I open up a website such as XXXX XXXX that is going to be put onto my credit report as a hard inquiry because that's what it looks like cuz I did not apply for any credit cards or any financial loans all I wanted was my credit report and when I look at this report that check system sent me yesterday it shows that a hard acquired XXXX XXXXXXXX  through XXXX which is absolutely false
Product: Credit reporting, credit repair services, or other personal consumer reports

This may not be the proper way to address this, and I apologize if it is not. I was looking for work around the time I was graduating with my XXXX  in XXXX of XXXX. In XXXX, the pandemic happened. All my finances were fine, but my job search was incredibly difficult and lengthy. I kept up with all my bills for as long as I could but by the time XXXX hit, I couldn't keep up anymore. The best I could do for work at the time was to adjunct for my university. I only made $ XXXX {$1500.00} a month doing this. I worked with all my creditors throughout the pandemic however eventually, I just couldn't keep up. Fortunately, I landed a wonderful job in XX/XX/XXXX and since then have been able to meet all my obligations with ease. The purpose of this is that, to this day, my report still shows all these late payments. I tried negotiating with the credit card companies to have these removed, but they were unwilling to remove these and said the fair credit reporting act prevented them from doing so. This was XXXX XXXX that said this. I'm not sure if there is anything that can be done other than just keep making my payments on time. Prior to the pandemic, for years my credit was spot on. Since at least XXXX. I worked hard to rebuild myself after the XXXX crash in which I lost my job and my home. Which is why I was going back to school to get my degree in mathematics and eventually a XXXX  in math. I had to reinvent myself. Thank you for your time in reading this.
Product: Checking or savings account

On XX/XX/XXXX I deposited {$10000.00} check issued to me by wife from her XXXX  XXXX XXXX account and this check was deposited into my Bank of Texas XXXX Bank of Texas with hold the check since since XX/XX/XXXX till now.On XXXX XX/XX/XXXX I visited the bank and i was told for the first that my check was placed in hold because my wife wrote XXXX XXXX  but she entered the {$10000.00} correctly.Despite this minor mistake this check was cleared by XXXX  XXXX XXXX. Bank of Texas collected the money since XX/XX/XXXX and refused to release the money till today.
Product: Mortgage

I have not received my billing statement since XXXX XXXX. The statements are not available online either. Because of this I did n't get any notice that my escrow has increased. I contacted them on XXXX and XXXX. However, I 'm still not getting my billing statements. On XXXX, they sent me a bunch of estimates they made on XXXX, for what I will have to pay on XXXX. However, these are not close to being accurate. On XXXX, I called them XXXX about this. The XXXX time I called on XXXX, I requested the supervisor. After waiting 30min, they told me the supervisor will call me back within 24 hrs. I never received a call from the supervisor. When i called on XXXX, I discussed another issue I have with a XXXX account. They took out extra amount from my escrow. Also, the XXXX they sent me has an incorrect Mortgage Insurance premiums section. They will have to resend that to the IRS.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent and inaccurate items on my credit report, which I believe are a result of identity theft stemming from a recent data breach ( specifically the [ XXXX breach or another breach if applicable ] ). I have noticed several unauthorized accounts listed on my credit report, which I did not open or authorize. 

The fraudulent accounts are listed by the following credit bureaus : XXXX XXXX XXXX These accounts appear as open credit lines and/or collections, which are affecting my credit score and my ability to obtain loans or credit. These fraudulent accounts were opened without my consent and I believe they were created using my personal information, likely due to the breach. 

I have disputed these items directly with the credit bureaus, but they have not been removed or corrected, despite providing a fraud affidavit and filing a police report. Additionally, [ list of companies involved, such as debt collectors or original creditors ] have reported these fraudulent accounts, even though I never authorized them.

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which requires that no information related to credit or financial matters can be reported without my written consent, unless a legitimate exception exists ( such as an application for credit or a legitimate business purpose ). Since these accounts were opened without my consent and no written authorization was provided, their inclusion on my credit report is in violation of this provision.

Additionally, under the FCRA ( 15 U.S.C. 1681i ), I am entitled to have any inaccurate, incomplete, or fraudulent information removed from my credit report after filing a dispute. 

Furthermore, under the Identity Theft and Assumption Deterrence Act of 1998, I am entitled to have fraudulent information resulting from identity theft removed from my credit report upon providing evidence such as a police report and fraud affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  XXXX XXXX missed payment XXXX XXXX XXXX XXXX XXXX MISSED PAYMENTS 15 USC 1681 SECTION 602 States I have the right to privacy.

15 USC 1681 SECTION 604 A Section 2 : it also states the consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for purpose.