23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 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 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: Mortgage

PHH Mortgage XXXX XXXX services my mortgage. I paid my account one day early and they misapplied my payment as a principle only payment. They are unable to correct this problem. It has been over a month and they still haven't resolved the issue. I have called every day to ask about a status update with no new news to report. 

The reason this is a huge problem is because I am in the middle of refinancing my loan and unable to get a payoff quote. The loan was supposed to close today and they are unable to fix the problem. This is causing me money because I have paid for a rate lock and I am not able to close on my new load.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX, NA Account Number : XXXX XXXX accordance with the Fair Credit Reporting act XXXX 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 XXXX : 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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ISUBMITTED A DISPUTE AND THEY RESPONDED IN LESS THAN XXXX HOURS WITH AN UPDATE STATING THE STATUS DID NOT CHANGE.
Product: Student loan

XXXX  / XXXX / {$9300.00} XXXX  XXXX XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), A collection Account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and A personal loan Account opened at XXXX on XX/XX/XXXX under the account number XXXX and personal loan Account opened at XXXX on XXXX with the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Bank account or service

My employer issued my wages on a business check with funds held at Suntrust Bank. 
I presented the check ( instrument of commerce ) to the Teller at Suntrust Bank. 
They stated that " internal policy '' was that NONE of the THREE ( 3 ) separate forms of Government Issued I.D . 's were " acceptable '' to them to exchange the check for cash ( FRN 's ) Their POLICY violates LAW under the Uniform Commercial Codes - as well as Rules that the Federal Reserve standards for banking. Furthermore - they wanted to charge ME a " fee '' for being a NON DEPOSITOR of their institution. Their branch manager REFUSED to provide me a copy of their Policy, cite any Legal Authority, provide the name of their legal counsel, and stated that I could call their XXXX # to file a complaint with Suntrust. Suntrust is n't operating their Federal Reserve branch offices UNDER THE LAW - or Under Federal Reserve 's Rules - WHO INVESTIGATES CONSUMER 'S COMPLAINTS? I am a SS # AccountHolder Attached to a LEGALNAME - Registered to Operate In Commerce - but - acting as the Agent of my employer in Presentment of the Bill of Exchange - NONE of MY LAST XXXX complaints I 've filed with this " CFPB '' have resulted in any remedy at law - therefore why SHOULD N'T we just shut this " government agency '' DOWN?
Product: Debt collection

I.C. Systems is reporting a medical collection that is not mine. We called them and they have no record of my name or address in there system, yet they are reporting to XXXX and XXXX the fact I owe this collection. The account number on my report is XXXX. This is preventing us from purchasing a home and we need to have them remove this item from our credit report. They have admitted they do not have us in the system, yet refuse to take ownership and have it removed.
Product: Credit reporting or other personal consumer reports

Well I've been trying to improve my credit which has been going well until I paid for XXXX account and I notice on my TRANSUNION XXXX XXXX credit report, on inquiries I have a total of 4 inquiries that are not me, was not me, not authorized by me & I didn't apply for anything nor have I ever visited them locations in the United Statee of America where these businesses are located. I believe i am a victim of some form of fraud. It may not be full fraud but I believe a piece of my information is being leaked and used. 


The companies who allowed someone to use my private information are as follow : XXXX Inquiry date XX/XX/year> Ran two inquires on my XXXX report . 
Method : I tried contact the business but couldn't find contact information. ( Mail only ). 

-- - XXXX XXXX Inquiry date XX/XX/year> Ran a Inquiry on my TransUnion credit file. 
Method : I called the company to investigate but couldn't get through when I dialed the number. 

-- - XXXX XXXX date XX/XX/year> Ran Inquiry on my TransUnion credit file. 
Method : I attempted to call the company to investigate but couldn't get through when I dialed the number. 

> It's been two week since I've been trying to clear this matter up so that I could move forward with life. Any assistance is appreciated. Thank you so much.
Product: Credit reporting or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I disputed XXXX XXXX XXXX unverified reporting to Equifax XXXX  and XXXX  credit report. I submitted a letter to XXXX XXXX XXXX to verify this account is mine and received no response from them. Equifax, XXXX  and XXXX  sent me a response letter claiming this account was investigated and verified. how was this account verified with my signature and I received no response from XXXXXXXX XXXX XXXX. if this account was investigated without belief that it was not and verified, my question is. with what proof???
Product: Credit reporting or other personal consumer reports

There are fraudulent accounts on my consumer report. I tried to resolve it with the consumer reporting agencies and they have not done anything concerning my case.
Product: Credit reporting

In 2007 I had discovered that there had been multiple accounts opened under my name or social security number. I filed a police report with the XXXX Police Department and notified the credit bureaus. Years passed and I was unable to have everything cleared up with the credit bureaus, however, life moved on and I just did n't have the time or patience to deal with it. Within the last year or so I discovered some more accounts that were unauthorized and I contacted XXXX, XXXX and Equifax. Fortunately XXXX and XXXX have corrected the errors, however, Equifax persists to retain information on my credit report that is not mine. I have made several attempts with supporting documents, so I have no choice but to file this complaint in an effort to clear my name.
Product: Debt collection

I left because their was rodents and other insects in both places, that I made numerous complaints about. I do not owe any debts to any of these companies.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX noticed on XX/XX/2022 that I had a new inquiry on my XXXX credit account from Wells Fargo trying to get an loan. I XXXX XXXX never tried to apply for a loan with Wells fargo for the simple fact that I know I wouldn't have got approved myself. I don't know how much the loan was placed for.So i'm asking that the inquiry get removed from my XXXX account because I didn't apply for a loan. I wasn't in need of a loan at the time the loan was placed.
Product: Credit reporting

I have an address I have never lived at.. The address is XXXX XXXX XXXX XXXX XXXX, ok. XXXX I do n't even know how it got there.. Would like it removed please..
Product: Credit reporting or other personal consumer reports

I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Product: Credit card or prepaid card

I receive an offer to increase my credit limit and called in, instead of doing online. The person took my income information and asked other questions and stated I would hear back if they had any thing. I explained the letter read it would be instant, he stated he would need my social security number to do that, I asked if this was a credit pull and declined after he told me that is the only way to get instant determination. I called back weeks later and spoke with a manager and she stated the person never submitted the information and it was a time sensitive matter and she would escalated it, to possibly reopen the file. 

XXXX XXXX from Texas office called me on XX/XX/2019 to inform me he listens to the call and the representative did everything correct. I told him that was bull XXXX, and I was going to file a complaint. 

My wife receive the same letter and went online and received instant increase. I think Chase was misleading and just collected information from me.
Product: Credit reporting or other personal consumer reports

PERMISSIBLE PURPOSE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Last 4 XXXX To whom it may concern, I, XXXX XXXX, never gave ( XXXX XXXX Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX XXXX Sincerely, XXXX XXXX
Product: Checking or savings account

Bank of America has had my account under review since XX/XX/2020. I can not access my SBA loan due to review. I currently have {$83000.00} frozen in Bank of America. If funds are not released soon I could go out of business.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Social Security Number : XXXX  Date of Birth : XX/XX/XXXX  To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

Following a complaint, XXXX XXXX XXXX agreed, in writing, to remove a charge off notation on my credit report files ( letter attached. ) It has corrected with two of the agencies, but Experian has not removed the notation. 

I attempted to dispute online and was unable and have had no success with calling Experian.
Product: Checking or savings account

Tuesday XXXX XXXX around XXXX i was approached by a man who came up to me as in going to the bank and asked me to help him out with something. After he came up to me he proceeded to verbally threaten me with physical harm and has read my address to me which at first i got worried then thought it was a joke and didn't think it was serious. As i entered the atm room i proceeded with my cash deposit. He then came up to me and told me to let him do what he has to do snd he will be gone. When i first seen him i didnt know how to react and was worried .He instructed me to Input my pin and he went infront of me to make a deposit of a fraudulent check. He then tells me to put the pin again so he can withdraw whatever funds were released. Which were two withdrawals of {$480.00} and {$100.00} which have been disputed with chase. He plays everything off and once he finished he tells me he is gone and i wont see him. Called the bank directly after incident and camera footage will show himself make his way infront of me to do what he needed. I told him i barely have money and he proceeded anyway. 
Claim with bank has been filed and denied Police was contacted over 8 times and upon first contact they said they are unable to complete s police report without footage from the atm. 
Bank employee tells them they need a subpoena to access footage. 
Make another complaint over the phone with no luck. 
Went back to the police station to file a report, then the officers tell me in order to make a report i would need a affidavit from the bank so they can start a report. 
I scheduled another meeting with a bank manager and asked if i can get an affidavit so i can complete my report and complete this dispute snd they tell me they do not have them nor do they give them out for my situation Police report can not be made at all and i am receiving no help from both the bank and the precinct. 
No matter what i bring and say they will not make a police report without this affidavit or footage which i am unable to get a hold of any. 
This leaves me at a loss of {$580.00} which i can not afford whatsoever as it will take me over 2 weeks just to break even not including my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX* Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated with the XXXX XXXX XXXX and Experian on several occasions, via email asking for my original contract with a wet signature to furnish to validate the debt amount owed. I also disputed the charges and wrote a statement and Experian has ignored me. I contacted the Experian credit bureaus to validate the debt in which XXXX XXXX  claim I owe. I never gave Experian, XXXX XXXX XXXXXXXX XXXX any written instruction to furnish any false inaccurate information on my consumer report which is a violation of 15 USC 1681b.

I am not in dispute with the ownership of the account, but this account is paid and should reflect as such furthermore, I, XXXX XXXX, participated in a consumer credit transaction and not a loan Pursuant to 15 U.S CODE 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by XXXX XXXX XXXX in direct violation of this law ; Furthermore, the XXXX also accepted a CASH down payment of DOWN PAYMENT AMOUNT of {$1500.00} violating XXXX XXXX Code XXXX which clearly says that the finance charge, does not include charges of a type payable in a comparable cash transaction. I am asking for this account to be removed immediately, as it continues to be harmful and caused severe stress and anxiety, due to the abusive and unfair practices which is also a violation of my rights for 5 years now.