23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have XXXX XXXX to be on my credit report XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 which antedates the report by more than seven years.

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

On XX/XX/2017 National Credit Syst appeared on my credit report. They are attempting to collect a debt that I owed with XXXX XXXX XXXX, which I never owed anything. The amount is {$1500.00} and this is false as I never was told I owed anything. I have tried to contact XXXX XXXX XXXX a dozen times to gather information about this issue and I can not get a hold of management at all. I left messages to try to resolve this issue and they don't respond. After a month or so goes by this company National Credit Systems appears automatically on my credit report with no options to pay before it hits my credit report. I believe this is wrong of both companies to fail me and my spouse on the fees that I owe and don't understand. There were no kind of explanation to why this is owed. We completed the lease agreement and were free of any extra charges as the company could have possibly made up fees or hidden fees that we were not made aware of. This is hurting my credit and I need to be able to find a place to lease and or obtain a mortgage, but with this Company holding my credit down it has been hard to establish a home of my own.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX {$340.00} XXXX  XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX {$540.00} U.S. DEPARTMENT OF EDUCATION XXXX {$11000.00} USDOE/XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX  XXXX {$5100.00} XXXX XXXX | Date of Inquiry : XX/XX/XXXX View / Edit Dispute this XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX View / Edit Dispute this XXXX XXXX XXXX. XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX | Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX to see about purchasing a vehicle. The representatives informed me that he was going to do a soft pull of my credit. However, they did a hard pull that resulted into inquiries I do not recognize or authorized. This is having a severe negative impact on my credit. I never gave anyone permission to do a hard pull. Only inquiry I authorized and have knowledge of is XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Wells Fargo has denied this and I need your help PLEASE! 

Wells Fargo Bank XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX On XX/XX/21, I was contacted via my computer with a SCAM. I immediately replied to XXXX that I did NOT even know what XXXX was, nor did I know who this person was. Within minutes, I received another email that {$3400.00} had been taken from my XXXX account. 

We immediately went down to our local branch in XXXX XXXX XXXX branch and spoke to XXXX. She closed our account and initiated a request for a new account. While on hold with the Fraud Department, her phone was cut off at noon ( since bank closed for XXXX XXXX at noon? ). 

We went home and I immediately contacted the Fraud Department myself. I advised them that the transaction for {$3400.00} was a SCAM I have NO IDEA who the person was who was initiating a XXXX transaction for this amount. I also had NO IDEA what XXXX even was until the Bank representative told me. Apparently this is something that someone has to initiate with their account # or something and we did not do this. 

There was another XXXX request the next day simply stating that someone wanted initiate something but no amount ever went through on this. It was a different person 's name but both were XXXX requests. They may even be 'working together ' on this SCAM.

Whoever this is needs to be reported. We have requested that NO XXXX TRANSACTIONS be processed on our account and the local branch has assured me that this is done now. 

Please reinstate this {$3400.00} credit to the account. It is a totally false transaction and it is not fair that I have to have this case closed because XXXX states they can do nothing further. Another bank would have investigated this further and found out exactly who these individuals are.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct this account : XXXX XXXX
Product: Debt collection

This complaint is in regards to  Hunter Warfield .  Best Property Management Inc,  and   XXXX   XXXX   is attempting to collect on a debt that is not owed.   XXXX   XXXX   XXXX   is a property management company. The owner of the property and I have a dispute.   XXXX   XXXX   sent this matter to a collection company called  Hunter Warfield. Hunter Warfield pulled my credit report without my permission. Before they had mail me a letter, the pull the credit report from  XXXX . This is wrong.    The matter is in question was filed with the  California Fair Housing and Employment  agency. A lawsuit is pending on the matter. Best Property Management is a defendant in the matter.  XXXX   XXXX   XXXX  does not represent the owner. She has an attorney. This collect attempt is unlawful.      Hunter Warfield do es not represent the owner of the property. He does not have permission to try and collect on a disputed debt. Surely, I have 30 days from the receipt of the notice to protect the amount demanded. I wish to have the matter dropped and for the owner 's attorney to continue pursuing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting late payments and the account status with XXXX XXXX is still open with a {$870.00} balance and over 120 days late. I have paid this account off in full. I have disputed the issue with Equifax but have had no success.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The accounts listed below has violated my federally protected consumer right to privacy and confidentiality pursuant to 15 USC 1681. 

XXXX XXXX XXXX : # XXXX Also the address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address ID # XXXX have violated my consumer rights. 

15 U.S.C. 1681 section 602 ( a ). States that I have a federally protected right to privacy.

15 U.S.C. 1681 section 604 ( a ) ( 2 ). States a consumer reporting agency can not furnish information contained in my consumer report without a written statement of permissable purpose.

15 U.S.C. 1681c ( a ) ( 4 ) ( 5 ). States, except as authorized under subsection ( b ), noconsumer reporting agencymay make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other thanrecords of convictions of crimes which antedate the report by more than seven years.

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

15 U.S.C.6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a non affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Mortgage

I closed on my house on XXXX XX/XX/2020, loan Depot still calling and telling me that I was missing a pain. I called them to find out what was going on they said the loan was short by XXXX. I called people that were handling my loan and they said it was close that they Loan Depot had received the check. I have talk to supervisors and supervisors and have not helped in finding out the problem. I talked with last week all I kept hearing from them was I can not see the screen I have to have somebody else call you. this was supposed to be taken care of Friday and has not been. 
thank you.
Product: Credit card

RE : Credit Card Reporting HSBC Account # XXXX Age of Accounts/Length of credit history Dear Consumer Financial Protection Bureau : I have a closed HSBC account and that had this credit card for over five years and still has a balance on it. According to XXXX, they claim the creditor requested it removed ( credit grantor removed ). I also reviewed my credit history and discovered that other accounts such as my XXXX XXXX account that I had for over 17 years was also not factored in my credit history/ age of accounts. 
The result of creditor removing my HSBC account caused the age of my credit history to shorten and caused a poor status. These actions to remove the above referenced account was done intentionally to cause the age of my credit history to shorten, resulting in a poor age/history status. 
I have had this HSBC account since 2003, and there is a 13 year perfect paying status that has been removed by someone either from HSBC or the credit bureaus to cause the age of my accounts to be more recent.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : account not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Debt collection

I am filing this formal complaint regarding an alleged collection account reported on my credit report by XXXX XXXX XXXX ( XXXX ) and appearing on my credit reports with XXXX, XXXX, and TransUnion. I have no knowledge of this alleged debt, and I have not been provided with proper documentation or validation to verify its legitimacy. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the right to request validation of any debt before any further collection efforts or reporting to the credit bureaus. Debt validation must include clear documentation identifying the original creditor, proof of the debt 's validity, and confirmation that the debt is attributable to me. XXXX XXXX XXXX has failed to provide the legally required validation. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), XXXX, XXXX, and TransUnion are obligated to ensure the accuracy and integrity of the information they report. If the debt can not be validated, the credit bureaus must investigate and promptly remove the unverifiable account from my credit report. Continuing to report unverifiable and unvalidated information is a violation of the FCRA and causes undue harm to my credit profile. 

I have made multiple attempts to resolve this matter, including disputing the account directly with the credit bureaus, but the issue remains unresolved. This lack of compliance with federal regulations by both XXXX XXXX XXXX and the credit reporting agencies has caused unnecessary financial and emotional distress, particularly as I am in the process of making important financial decisions that depend on an accurate credit report. 

I am requesting that XXXX, XXXX, and TransUnion immediately investigate this matter and remove the XXXX XXXX XXXX account from my credit report unless proper validation of the debt can be provided. Failure to comply with the FDCPA and FCRA is unacceptable, and I seek appropriate corrective actions to ensure compliance with federal law. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly.
Product: Checking or savings account

This is my second complaint against XXXX XXXX for holds on large deposits of bank checks into my father 's estate account. The explanation for the first holds were placed because the account was less than 30 days old ( new ). Yesterday I made a large deposit and the deposit slip indicated a 1 day hold. The account has now been opened for 34 days and has had no returned checks. This morning I received an inbox message online that actually a 7 business day ( 11 day total ) hold was placed. No reason was given other than to contact the issuing bank. The check was issued by XXXX  XXXX XXXX XXXX XXXX. The previous complaint response explained Wells Fargo policy. Again they have not followed their own policy and have given no justification.
Product: Bank account or service

I am an account holder with Chase, and had my debit card compromised and someone made fraudulent withdrawals on XX/XX/XXXX ( although now they are showing up as XX/XX/XXXX when I log online ). I reported the charges as soon as I saw them on XX/XX/XXXX and the following day XX/XX/XXXX was emailed from the Chase Customer Claims dept and asked to submit an electronic affidavit on the incident. I promptly returned the affidavit and finally got a response from Chase today the XX/XX/XXXX. I was surprised to see that the boxes I had checked off on the affidavit were NOT the ones in the document they had on file, and they denied to reimburse me because I had checked a box that read " I never received the card in the mail ''. I called them and they agreed ( after escalating to a senior supervisor ) to allow me to fill out the customer questionnaire a second time. I carefully filled out the customer questionnaire/electronic affidavit the second time from a desktop computer, and after proofreading it carefully and re-submitting it, was very disturbed to see that AGAIN my answers were not the ones that appeared on the upload pdf in their secure messaging system. I called Chase Customer Claims a third time and asked to be permitted to send in the affidavit a third time, and this time opted for a hard copy which I filled out in pen and paper and faxed to them directly ( and brought a hard copy to the nearest branch ). Furthermore, my ATM card debit charges all came from XXXX, which is a Chase branch. The bank knows very well that I have had an ATM card with them for the past 8 months as I use it nearly daily, so the notion that I checked a box " I never received the card in the mail '' is ridiculous. Furthermore, I am concerned that there is a " glitch '' in the Chase Customer Claims " Customer Questionnaire-Electronic Affidavit '', that is changing the answers one types in, and thus giving the bank a reason to deny compensating customers. I am absolutely 100 % sure that I filled out that questionnaire with different checked boxes than what ended up uploading to my file, and the fact that it happened twice has me extremely concerned.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, was XXXX unauthorized Inquiries in my credit report opend on XXXX XX/XX/2022 and XXXX XX/XX/2022 and i dont recognize as mine. 
I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$0.00}, {$4200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.

-- CLOSED ACCOUNTS 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 


-- REAL ESTATE LOAN 4. XXXX XXXX SERVICES with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

Since XXXX 2016 I have had trouble with posting payments to my account. I have made all payments within payment time and they have not posted when made I have never been late on any payments. I followed all Citizens procedures and contacted Citizens Bank the last 5 months at least 70+ times on a recorded line. I also was told not to make payments and still made all on time, They said their software was not capable to handle my Home equity mortgage payment. we were reported to credit bureau which caused our credit score to drop from XXXX,XXXX,XXXX, to XXXX to XXXX They have agreed to fix this for me because of their mistake but I have heard this for the last 4 months We want our Credit Scores fixed with XXXX credit bureau asap, I have had credit scores around XXXX my whole life and have never been late on anything. Please help us with this issue Thank you very much XXXX
Product: Credit reporting or other personal consumer reports

I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only XXXX inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.