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

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX, XXXXXXXX XXXX  2. The following personal information is incorrect Former : XXXX, XXXX 3. The following personal information is incorrect Former : XXXX, XXXX, XXXX 4. The following personal information is incorrect Also Known As : XXXX, XXXXXXXX XXXX 5. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. violation of section 605 A 15 USC code 1618 C-1. Please remove from my credit report XXXX XXXX XXXX Account Number : XXXXXXXX  Please remove this inaccurate information from my credit report. 

16. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

17. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

18. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

19. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I am sending a complaint regarding inaccurate accounts on my credit report that was still reported and I am seeking for your assistance in despite of my previous request and kindly request your assistance in getting it to correct. The inaccurate account is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00}.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have been disputing the credit agencies because of my credit score being affected by the Covid pandemic, I lost my job and was out of work for about a year, my loan, medical bills, credit cards, and later payments all accumulated negative and derogatory remarks during this time, and although some has documented that the accounts met the fcra requirements they continue to allow it to affect me report in a negative way dropping my score. I have disputed inaccuracies, false reporting of late payments, accounts being closed and reopened after being charged off as loss of profit only to be closed again, one collect that was closed was reopened continually adding {$1.00} to the account and a few weeks later removing the {$1.00} just to add it again.. all affecting my score most disputes go resolved and they never do a actual investigation because all agencies reporting different on most accounts.. they dont explain how they verify, validate, or answer the dispute, they have dropped my score XXXX points without a change but they seem to be passive aggressively ignore my disputes
Product: Mortgage

We refinanced our home with another lender. When we closed the current lender Mr. Cooper and new lender XXXX XXXX both paid the XX/XX/2021 taxes. XXXX paid the taxes because the lender stated they paid them on XX/XX/2021. The county did not have any record of the funds. Since this was not paid, XXXX paid them. I contacted the county of XXXX and was advised the payment that was received was from the new lender, XXXX XXXX. The funds from Mr. Cooper were not received until XX/XX/2021. Since the taxes had already been paid they rejected the payment and sent it back to the Mr. Cooper. I then called Mr. Cooper on XX/XX/2021 and was told they would send the refund within 2 weeks. It was not received. I emailed them on XXXX XXXX through their website and was provided incorrect information. I then emailed again on XX/XX/2021 to the complaint department to receive a letter stating they will respond on XX/XX/2021. 
They have held my escrow refund since XX/XX/2021.
Product: Checking or savings account

I bank with US bank. I was charged a 36.00 overdraft fee, even the I did the opt-out debit card coverage, and one transaction was an error. This transaction is the 99.00 to XXXX on XX/XX/XXXX. When I went into bank account online, after getting a notification, it showed a negative cause by XXXX, and less than XXXX negative balance. I have already contacted XXXX, and they are refunding the 99.00. I had begun useing the Opt-out option more than a month before as suggested to avoid the overdraft fees. 
The banker denied my opt out would protect me from these charges as they were reoccurring. I then read him what I had read and agreed to when I changed the overdraft protection in my banking phone to the opt out. He let me know that the bank, at its discretion could decide to pay these transactions, and i would still be accountable for the new balance, and fees. This went against what I opted out of and read twice to the banker. So, I went on to read to him from the Regulation itself - 1005.17 Requirements for overdraft services-. Even though I read supporting information to my cause, he just set my account to not make any more payments to Atm/debit card purchases, and said he would not refund the overdraft fee, and again denied I had any recourse. 
Below, is how these were copied from my online account page. The banker told me it was the charge for XXXX, and subsequently the charge of XXXX to XXXX that caused the overdraft. 
All of the charges listed below were charged to my US Bank debit card, and the opt-out was chosen much earlier than this group of transactions. Pending is listed at top and completed is shown below that. 
I believe US Bank is abusing its overdraft, and using every loophole to still apply every overdraft, Opt-in, and Opt-out. 

PENDING : XX/XX/XXXX fee Overdraft Paid Fee {$36.00} XX/XX/XXXX ( auto renewal error, transaction N/A a XXXX*subscription XXXX XXXX {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$30.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$14.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$34.00} XXXX XX/XX/XXXX purchase XXXX XX/XX/XXXX XXXX XXXX {$10.00} {$47.00} XX/XX/XXXX purchase XXXX XX/XX/XXXX Card XXXX {$7.00} {$58.00} XX/XX/XXXX purchase XXXX XX/XX/XXXX XXXX XXXX {$850.00} {$65.00}
Product: Credit reporting or other personal consumer reports

I'm reaching out because I'm really concerned about some issues I've been having with the credit bureau. I've noticed false account listings, a lot of unauthorized inquiries, inaccurate credit reports, inconsistent billing, and even accounts that aren't mine. These problems are impacting my financial security, and I need help to get them resolved. Could you please look into these concerns and let me know what steps I should take next?
Product: Credit card

I applied for a credit card and seen on their XXXX filing my application is the security. I should not be denied an extension of my own credit. Please reverse and send me my credit card.
Product: Credit reporting or other personal consumer reports

n 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, 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: Debt collection

My mom got a call from imperial recovery consultants advising her that they will send a complaint to the court for felony fraud for a pay day loan I took out in XXXX with XXXX XXXX XXXX. My mom called me worried gave me a XXXX and a number to call .I called XXXX he said he is with irc and said he will have the lawyer 's from his company send off a complaint with the state of nevada for fraud for a checking account I closed in XXXX, in which stopped XXXX XXXX XXXX from collecting payments. I got scared because I have a high risk XXXX. I paid XXXX {$400.00} towards a {$810.00} loan for XXXX XXXX XXXX. I called XXXX XXXX XXXX to confirm they sold the debt to Imperial recovery consultants. XXXX XXXX XXXX advised me no and gave me the name of the collections agency that they sold the debt too which is XXXX XXXX. XXXX XXXX XXXX advised me to reach out to XXXX XXXX to settle the debt. I called XXXX XXXX spoke to XXXX, she advised me they bought the debt the date and year and they still have the debt. I told them about Imperial recovery consultants they advised me that they don't know who this company is. I want my refund back for {$400.00} and I don't want this company contacting me or my Mom again and I don't want them attempting to withdraw any more money from my debit card. I'm working with XXXX XXXX to take care of this debt.
Product: Credit card or prepaid card

Citi checking account offer : open checking account and deposit XXXX dollars and will get XXXX   XXXX XXXX miles. 

I opened my citi checking account around XX/XX/XXXX, the XXXX dollars was funded around XX/XX/XXXX, but today is XX/XX/XXXX, almost 4 months, I haven't got the miles. I am trying to contact customer service several times, they don't want to solve my problem and just kick me around, and transfer me to the wrong department, I was trying to explain to them when I oppened my checking account, it didn't asked me to enter my XXXX XXXX account number, if the XXXX acount number is not in your system, how could you give the miles, each call cost me more than 1 hour but nothing was solved, they just asked me to keep wait for the next cycle.
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. 
These accounts and Inquiries 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 an 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

Complaint Details : XXXX. Flood Insurance Policy Purchase : On XX/XX/XXXX, Chase Bank purchased a flood insurance policy that is double the cost of my homeowner policy, covering my home for {$150000.00}, which is less than the previously insured {$170000.00} and Chase 's own appraisal value of {$170000.00}. This action was taken almost XXXX weeks after I communicated my concerns via email, which Chase ignored. 

XXXX. Escrow Mismanagement : Chase Bank has been playing escrow games with me since taking over my mortgage, leading to increased costs and financial stress. Despite providing documentation and timely communication, Chase failed to act on my requests and transferred the policy without proper notice. 

XXXX. Breach of Fiduciary Duty : By not reinstating my original policy and forcing me into a more expensive, less beneficial policy, Chase has breached its fiduciary duty. This includes refusing to obtain the policy page from the insurer to make payment, despite my immediate response to their notice. 

XXXX. Lack of Communication and Transparency : Communication ceased after my request to reinstate the original policy. Chase failed to inform me of their actions, resulting in unexpected changes to my account and increased monthly payments from under {$850.00} to over {$1000.00}. 

XXXX. Financial Hardship : I have communicated my extreme financial hardship to Chase on multiple occasions. However, Chase has continued to increase my financial burden, pushing me further into insolvency instead of providing assistance. My mortgage payment increases have caused significant distress, particularly while dealing with personal family matters, including the death of my brother and the care of my fragile parents. 

XXXX. Negligence and Potential Racketeering : The process Chase has followed reeks of racketeering against borrowers. Expecting me to handle communication and get back to them rather than contacting my existing flood insurance directly defeats the purpose of escrow. It seems Chase may have a partnership with the flood insurance company they switched me to without my consent.
Product: Mortgage

I am a XXXX XXXX  of XXXX children who had a loss of income in 2020. I applied for forbearance with Assurance financial in 2020 and it was accepted. For the past year since the forbearance I have been applying for a loan modification per the mortgage company to get my loan going again. I have sent them every document they have asked for and they continuously kicked my paperwork back and deemed my package incomplete over and over. I have someone at the VA involved as well and has seen how they are giving me the run around. They are now trying to foreclose on my house even though I am still in the loan modification process and sending them everything they are asking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update to current or paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX All 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. 


XXXX XXXX XXXX Open balance {$900.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX phone XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX- Open balance {$450.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX- open balance {$330.00} Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my consumer credit report I have found XXXX wrap errors and inaccurate information being reported on my personal consumer files. I have contacted the companies. And also the credit bureaus to remove this information immediately from my credit files and to send me verification of the debt that they claim I owe. I have not gotten a response and it has been over 45 days. I ask that all accounts, inquiries, addresses l, phone numbers, incorrect names, and employment be removed from my personal consumer credit files immediately. I have filed a complaint with FTC, XXXX, and the state commission representative. I have attached the FTC report. My personal information was found in XXXX, Equifax and XXXX data breach. I am also being harassed by third party collections agencies that my personal information was sold to with out my consent or knowledge. 

The following inquires should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a few hard inquiries on my report that are not from me Flagship Credit Acceptance XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account number XXXX is appearing on my credit report. Please remove from my credit reports. Mailed several attempts to company to validate debt and nothing has happened. I want a validation and verification that it is my account
Product: Debt collection

I am writing to address the ongoing issue with the fraudulent account, XXXX XXXX, still present on my credit report. Despite confirming the identity theft with the associated bank, they acknowledged the error and assured me of the immediate removal of the account. XXXX and XXXX have already removed this account from their records, recognizing the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with the 3 credit companies last year. they didn't remove everything. I've had problems trying to get credit because the stuff is still showing up on my report.
Product: Credit reporting or other personal consumer reports

I just received an unortherized inquiry from capital one at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter indicating that my student loans have been forgiven. Also, the Federal Student Aid website indicates that I now have a XXXX balance but my loan service provider, XXXX, fail to update the credit bureaus with this information. My account/records should reflect a XXXX balance and status as paid in full.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX inquires on my credit report that I didn't authorized the creditor to run my credit and I also reach out to the creditor requesting documents of me agreeing to such inquires. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX