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

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681section 602A. States I have the right to privacy.

15U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX 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 Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have become a victim of a data breach, which has led to fraudulent activity on my credit file. In accordance with 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that all accounts associated with the data breach be blocked and deleted from my credit report. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collection Account : XXXX - Date : XX/XX/year> - Amount : $ XXXX Fraudulent Inquiries : XXXX ( XX/XX/year> ) 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/year> )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is erroneously reporting my address as XXXX XXXX XXXX XXXX. It is XXXX XXXX XXXX XXXX. 

XXXX XXXX is NOT my account XXXX XXXX is an open account ( not closed as being reported in their files ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are accounts, dates, and amounts that I do not recognize, nor am I responsible for, nor have I received any money or goods from the creation of these unknown accounts. I AM A VICTIM OF IDENTITY THEFT!!!
Product: Checking or savings account

I submitted a fraud claim to my bank for non authorized transactions made with my lost debit card. They provided me a provisional credit during the investigation. After some weeks I saw those credits being cancelled without any letter or comunication from the bank explaining the situation. So I decided to call them and they told me that the reason for denied the claim is because " I made business with them before '' situation that is totally false, Investigating this further I noticed that the " charge name '' is not the store, is the payment processor called " XXXX '', so I had more transactions with that name so the bank thinks that XXXX is the name of the merchant. I explained them this situation that XXXX is a payment processor and not the merchant name, so they reopened the case, also requested to submit a police report and since then my account is overdrawn without any solution for this issue. 
I submitted all I was requested to the bank and even that they didnt do what they need to do to solve this fraud claim. 
The original claim was submitted on XX/XX/2021 with the number XXXX
Product: Debt collection

I have 2 collection agencies trying to collect a debt i dont owe. I disputed this debt numerous times but unfortunately the credit bureaus would not remove it. I just received another offer from a different agency than the one thats on my credit report. Since nobody knows who I should pay then it should be removed from my report until a fair investigation is completed. I dont owe this debt. I never opened any account with XXXX XXXX.
Product: Debt collection

BARCLAYS BANK DELAWARE account is all paid off and I never received a notice of collections or past due payments. I send notification by mail of my change address and never got a response. I would like the late payments to be removed from credit and the reported balance because the debt is paid off. This is a high interest rate credit card and I do not recommend it to anyone.
Product: Checking or savings account

I have banked with First Hawaiian Bank, and am currently having my funds held and frozen from myself, without reasoning or date to have my funds unfrozen, I have gotten paid 2 months prior for my job and they have frozen my account because of the person that paid me and the origin of his funds, which has absolutely nothing to do with me. I have now asked them for more information and they have told me that they dont have any but have an investigation on going, I have XXXX kids and currently have all my funds frozen by First Hawaiian bank XXXX 

I work a job in XXXX XXXX and have no clue whatsoever what my client has done to block my funds, but whilst reaching out to my client he has told me that they have blocked his account aswell and that he didnt request a refund whatsoever, First Hawaiian bank is not letting me roll over my funds or use any of my funds.
Product: Credit card or prepaid card

XX/XX/XXXX I started my journey getting some much-needed dental work. Unfortunately the dentist did not do a good job and I had to ask for a refund. I used XXXX credit company to finance this. After many months of deliberation I received a refund and the Account was paid in full on XX/XX/XXXX. Several weeks before the account was paid I opened an investigation on their account page to make sure it was taken care of because the dentist was not doing his job. After seeing the account was closed I tried several times to call the company but due to some issues after a system update you can not physically reach anybody for almost a week. I was finally able to reach a gentleman on XX/XX/XXXX and he informed me that he would get the investigation closed, that was the reason I had not gotten a check yet because the investigation was still open, and a check would be sent out immediately. The {$990.00} check is the amount that I paid into the account that was 100 % refunded. I waited for XXXX weeks and still no check so I called again and was informed by a supervisor that because of the size of the check for {$990.00}, it could take XXXX to XXXX business days so just give it a few more days. Fast forward XX/XX/XXXX and still no check. I called them again and spoke to a supervisor on XX/XX/XXXX and informed her that I was told the check was on the way everything was closed and I did not receive my check. Her new story was that the investigation takes several days to close and that a check had not been sent out yet and nothing would happen until the XXXX. So I was told the investigation would be closed, I was told a check was on the way, I was told to wait several more days, and now XXXX getting a new story. And I still have no check.
Product: Credit reporting or other personal consumer reports

Both capital one accounts are fully paid out no reason they should be still on the credit report could we please get them both removed immediately
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I retired from the military at exactly the same time that the economy crashed back in 2009, and I literally lost everything. My house, separate land, my stock portfolio, all of it gone and I've been renting ever since. 

Also, my credit score has been subprime since then. It's like it wasn't enough for me to lose everything, I need to be constantly reminded by my poor credit score.

I pay all my bills on time. Most of my utility bills are paid far in advance so that I have credit surpluses with those billers. I paid off every penny of my student loans. I pay my rent on time and have done so for the past 10 years. Spotless rental history, yet it does me no good. Do you see how unfair this credit system is to people who are not able to currently support a mortgage? I can't even get a mortgage because my credit score is so low. It's really, really frustrating and contacting the credit bureaus does no good. There is simply no mechanism to fix this issue, because technically they don't have to. 

I really don't know what else to do. I'm not usually supportive of government regulation, but in this case, something needs to be done about these credit bureaus that are spinning low scores to millions of Americans who do pay their bills on time. In the end, those low scores cost Americans millions due to higher interest they pay for any loans. Interest is already through the roof, please take some time to figure out a way to help me in this hopeless situation. This affects so many Americans, it should be a 'no-brainer '. Thank you for your time! 

Sincerely, XXXX XXXX
Product: Mortgage

I filed bankruptcy on XXXX/XXXX/15 all while I was in bankruptcy I made all payments like normal and I also signed an affirmation to affirm on my mortgage so that I could keep my house. well recently here went to go shop for and automobile found out that my score was really low. got home that afternoon and check my credit report and found that my mortgage co. Pacific union financial has not been reporting my payments on my credit report. which has dropped score. I have made all my payments on time. and now its time for another payment, I 'm thinking twice about making payments until they correct this error on my bureau. and Pryor to filing bankruptcy I refinanced my loan with the same company, Pacific Union financial and they are showing that account in bankruptcy as well but should be showing paid in full. can someone here please help me with this situation. 
Thank in advance XXXX XXXX XXXX XXXX. 

being made on time.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for their ongoing violations of the Fair Credit Reporting Act ( FCRA ). Experian has failed to comply with its legal obligations by repeatedly reinserting a fraudulent account onto my credit report, despite ample documentation proving that the account is the result of identity theft. 

Experian has unlawfully reinserted a fraudulent account onto my credit report after it was previously deleted. The account in question is : XXXXXXXX XXXX Account Number : XXXX Balance : {$1700.00} Date Opened : XX/XX/XXXX Additionally, Experian has failed to remove the following fraudulent inquiries : XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX. FCRA 605B ( 15 U.S.C. 1681c-2 ) : This account is the result of identity theft and should have been permanently blocked and removed. I have provided sufficient proof in the form of police reports, FTC reports, affidavits, and supporting documentation, yet Experian continues to unlawfully report this account.

2. FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Experian has violated provisions concerning the reinsertion of previously deleted information : ( ii ) I did not receive written notice within five business days of the reinsertion.

( iii ) Experian did not provide the business name, address, or contact details of the furnisher of the information.

( i ) There is no indication that the furnisher certified the accuracy of the information before reinsertion.

To support my claim, I have attached the following documentation ( previously submitted to other credit bureaus, resulting in the removal of these fraudulent accounts ) : FTC Identity Theft Criminal Complaint # XXXX Police Report The CFPB has previously alleged that Experian conducts sham investigations, fails to address consumer disputes properly, and reinserts inaccurate information without implementing proper matching tools. My experience mirrors these issues, as Experian continues to rely on unreliable responses from the original furnisher without conducting a thorough or logical investigation.
Product: Debt collection

I called the company multiple times to explain to them that the debt is not mines. They said they will investigate and call me back. They never did. I had to call back. They refused to give me information about what was purchased or the debt itself. Ive been disputing the debt online and still no results. I have been trying to dispute this for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX XXXX that I got a inquiry from some place I am not familiar with. I then reviewed everything on my XXXX XXXX and there are several inquiries that are being made under my name. I believe someone has been trying to purchase something using my name for over a year now because there is several inquiries that do not belong to me. I have taken action to prevent anyone from opening anything under my name. Please remove all these inquiries from my credit report.
Product: Checking or savings account

Ok well I have a checking account for sofi and the first problem was that in XXXX XXXX had alot of unauthorized charges on my account and I disputed them and sofi decided that they were authorized even though I could prove differently but I was dealing with alot of other things at the time so didn't have time to argue with them. So after they said that then they deducted the amount I disputed from my account and it put my account in the negative balance for months and I told them about it XXXX different times and it wasn't till the XXXX time I said something that someone actually corrected it. That was XX/XX/year> that they illegally took {$1000.00} from my account and made it negative which effected me in multiple ways and wasn't till XX/XX/year> that they finally corrected it. Now they made another error and not resolving it. So in XXXX I had a unauthorized transactions for {$99.00}. And this transaction is classified by law under the Electronic Funds Transfer Act a Regulation E dispute. So that means they only had 10 days to have a outcome or to issue me a provisional credit and they didn't do either of them then when I asked about the provisional credit they lied and said my dispute didn't qualify and clearly the law says differently and they were doing things to bypass the law and guidelines they are supposed to follow. And I have made several complaints with the company now and they still have not fixed their mistakes and they are in violation of regulation e.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX, account # XXXX XXXX, account # XXXX Equifax, account # XXXX XXXX XXXX XXXX, account # XXXX 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: Debt collection

On XX/XX/XXXX, I faxed a dispute form to TD Retail Card Services ( aka XXXX XXXX XXXX  ) disputing the full amount of their claim ( {$3400.00} ). I provided them with the correspondence from the customer service department at XXXX  XXXX stating that I would not be charged and would close out my account. XXXX  XXXX has never responded to the email from their CS representative ( original dispute attached ). Since this time I've submitted a second dispute dated XX/XX/XXXX, which has also never been addressed ( dispute attached ). As recently as XX/XX/XXXX I spoke with XXXX ( ID # XXXX ) and she confirmed that my dispute is still under review as was last looked at on XX/XX/XXXX. I received a letter dated XX/XX/XXXX threatening me with collections, even though they've not responded to my dispute in almost 170 days. On XX/XX/XXXX they assessed a late charge of {$16.00} and on XX/XX/XXXX another late charge was assessed for {$38.00}, not even 30 days after the first. Per the Fair Credit Billing Act of 1974, while a debt is in dispute no threats of collections or late fees may be levied ; yet, they are doing so. I've also send electronic communications on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( all attached ) and the response has been that they will resolve the matter in no more than 2 billing cycles, or not greater than 90 days. I've still not received a letter on any ruling on the dispute and XXXX  XXXX corporate is not responding to TD Retail Card Services. This is now clearly in violation of my rights under the Fair Credit Billing Act of 1974 and I'm owed {$590.00} that was remitted on XX/XX/XXXX to ensure that my 37+ year pristine credit history and exceptional credit rating is not tarnished due to their lack of execution of my dispute.
Product: Checking or savings account

on XXXX XXXX, my father added me to his bank account unbeknownst to me. I received a letter asking for information. That was highly unusual. When I rang USAA was sent to a recorded message asking me to submit ID proof. The website https : //usaa.comXXXX XXXX on XXXX, XXXX, XXXX. Using XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. NONE of that works. From messages unable to validate ID to not recognising the file, after numerous tries, I can get them uploaded but fails with a message unable to identify ID. I have used different telephone numbers to talk to someone at the bank. One attempt last week telling the representative I wanted to open an account got me to someone who told me until they get my ID I am not able to access my account!!! I have banked with USAA about 30 years!!! I do not know why I have been locked out of my account. I can understand the need to have ID adding me to my Father 's account, but mine???? I tried calling fraud, XXXX was reminding me 8+ times they are not able to do anything until they get my color ID 's. I have NO access to my money!!!! Also this XXXX had no way to connect me to the banking side of USAA ..... Please help getting this unlocked. I mailed the needed information to them but from the military Post Office the transit time is TWO WEEKS! XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card that Experian app suggested on XXXX, because it said it wouldnt hurt my credit scorewell it did, it hurt all three bureaus, took XXXX points from Experian score aloneif I would have know it would hurt my score I would not have applied, because Im trying to work on my credit as we speakplease help with this, as it if effecting my score between good and fair reportingIm working hard to get my credit in good standing and now I dont trust suggestions from your appthank you
Product: Debt collection

On the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX, SIMM Associates did contact me a total of 7 times as debt collecters regarding a debt I allegedly owe. On all of those 7 occasions they did fail to comply with the requirements of Title 15 > Chapter 41 > Subchapter V > 1692g > Section A > Subsections 3 and 4. 

On XX/XX/XXXX, I messaged them stating I wanted them to cease any current or future attempts to collect the debt, report said debt to credit reporting agencies, or contact me regarding said debt. 

On XX/XX/XXXX, SIMMs associates did contact me in a direct reply to my previous message in a further attempt to collect the debt in violation of Title 15 > Chapter 41 > Subchapter V > 1692c > Section c > Subsections 1, 2, and 3.
Product: Debt collection

I think someone in family used my identity to create this false account.. I have no knowledge of this account and, or agreement..
Product: Mortgage

Hello. My home was flooded by hurricane XXXX in XXXX. My mortgage company, Statebridge Company, received the check from the insurance XXXX weeks ago and will not release the funds to me. How long can my mortgage company withhold my insurance payment?
Product: Checking or savings account

I deposited two mobile deposit checks both for under {$200.00}. I deposited a {$46.00} check and a {$140.00} check. They were drawn from XXXX XXXX XXXX cashed out from my 401k closed for leaving the company I was working for. The mobile deposit indicator did not tell me how long or why the checks would be on hold. I had some things go through which would have been covered if not for there uninformed extended two week hold on my deposits. Meanwhile Im racking up fees before I even had a chance to use the funds. They only refunded 1 overdraft fee. There are three. By the time they release the funds Ill have access to only {$10.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off XXXX in XX/XX/XXXX in full but it still appeared on my report. But it was fine, just still appeared when all other Medical billing companies came right off! I disputed it back in XX/XX/XXXX and since then it shows up as 'Derogatory ' in big red letters on XXXX XXXX and other soft draw agencies. Went through BBB And XXXX just gave me the soft shoe shuffle!
Product: Checking or savings account

PNC bank held funds from my account on XX/XX/XXXX for a check dated XX/XX/XXXX. Spoke to two separate representatives who stated the check will not be paid until XX/XX/XXXX but there is nothing they can do currently to make funds available. As a result, I had to miss work and was charged an overdraft fee.