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

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXXXX/XX/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 XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : -DP OF EDUC XXXX 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.
Product: Checking or savings account

I am writing to file a formal complaint against Capital One regarding the unjustified freeze on my account following a wire transfer. Despite providing all the requested supporting information, I have received no adequate communication or resolution from the bank. Below are the details of the incident : Account Information : Incident Timeline : Wire Transfer and Account Freeze : Date : XX/XX/year> Description : On XX/XX/year>, a friend of my family initiated a wire transfer of {$53000.00} from my Capital One account. Shortly after this transaction, my accounts ( checking and saving ) was frozen without prior notice or explanation from Capital One. 
Supporting Information Provided : Dates : XX/XX/year> Description : On XX/XX/year>, I provided all the requested documentation and information to Capital One to verify the legitimacy of the wire transfer. Despite this, my account remains frozen. 
Contact Attempts : Phone Calls : I called Capital One customer service on XXXX separate occasions to seek information and resolution regarding the account freeze. 
Branch Visits : I visited the Capital One branch at XXXX XXXX to discuss the issue in person. On each occasion, the bank representatives were unable to provide any concrete information or timeline for resolution. 
Impact on Financial Obligations : Inability to Access Funds : Credit Card Payment : I have been unable to pay my credit card, resulting in potential late fees and damage to my credit score. 
Other Obligations : The freeze has prevented me from paying my rent and my utility bills totaling. This has caused significant financial and emotional distress. 
Formal Complaint to Capital One : As of today, XX/XX/XXXX, my account remains frozen, and I am unable to close the account, transfer money, or perform any transactions. Capital One has not provided any substantive information or resolution regarding this issue. 

I appreciate your prompt attention to this matter. Please let me know if you require any further information or documentation. 

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

On XX/XX/22 TransUnion credit reporting bureau decrease my credit score by XXXX points stating it was due to me paying off two credit cards. I am under the impression that when you pay off a credit card or even pay down a credit card that it should increase your credit score not dropping dramatically by XXXX points. I called Trans Union and they stated there was nothing they could do. All the other credit reporting agencies to include XXXX  and XXXX  actually increase my credit score dramatically when I paid off several of my credit cards please see attached screenshot.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continuously reports inaccurate information I have updated my legal name with Experian and Experian is reporting only my former name and various accounts that do not belong to me under my former name when I try to dispute information such as wrong name and various accounts that do not belong to me I get a message saying I have to dispute this information with XXXX  I am then forwarded to XXXX 's webpage that does not show any of the information that Experian has on my credit report Experian has taken all accurate information off of my credit report in the past I have shown Experian my identification and social security card Experian also continues to report inaccurate third party information to my credit report
Product: Debt collection

I received a judgement from a law firm of Bursey + Associates based out of XXXX, AZ, numerous time they have violated collection practices in collecting a debt. The most recent which is prompting this complaint is they were sent a payment in full letter, dated XXXX/XXXX/2015 and sent certified on XXXX/XXXX/2015. I find out today they do not have the copy of that letter nor are they sure were it is as it is not in my file. However I have proof they received this letter as well as the letter was sent to the company that sued me of XXXX XXXX XXXX, and to my payroll department. The letter stated the debt had been paid in full by my records, and as such they were not to communicate any more to me other they to state the debt was paid in full. They are trying to blame my payroll department for not calling them, and that it happens all the time, so instead of owning up the matter they are blaming another party.
Product: Credit reporting, credit repair services, or other personal consumer reports

TWO FRAUDULENT HARD PULLS ON XXXX  COMMENITY CAPITAL XXXX AND COMMENITY BANK WAYFAIR
Product: Mortgage

Good afternoon, I am writing you in hopes you can be of assistance in correcting this misuse of HAF funds by Bank of America.

My Mortgage Servicer Bank of America requested, received and applied my HAF California Mortgage Relief funds incorrectly.

Per Californias HAF program Plan submitted to the U.S. Treasury for approval the goal of this program is to bring California Homeowners mortgage 's to a fully reinstated " Current '' status. Unfortunately that is not what happened.

I was approved for the California HAF program under the California Mortgage Relief Program. However, the funds requested by me to bring my Mortgage to a fully reinstated " Current '' status {$24000.00} as of XX/XX/2022 had been changed to {$9800.00} by a representative of the California Mortgage Relief Program per my loan servicer BofA.

I had contacted both BofA and the CA Mortgage Relief Program numerous times to inform them of how important it was to have the correct amount funded to fully reinstate my mortgage to Current as my home was and is now again in a forclouser status.

However, I was not contacted back byeither party prior to funds being paid to BofA by the CA Mortgage Relief Program in the amount of {$9800.00} which was intended to bring my Mortgage to a fully reinstated " Current '' status per the " Congratulations on your approval, funding and funds being applied by your loan servicer to bring your mortgage to a fully reinstated Current status '' email I received from the California Mortgage Relief Program ( which it did not ).

My loan servicer Bank of America did not apply the total amount of funds recieved {$9800.00} to my principal balance as intended by California 's Mortgage Relief program.

Funds where applied : Principal Balance : {$7000.00} Interest : {$1900.00} Escrow : {$390.00} And held in Unapplied funds account : {$520.00}.

I believe this to be an intentional misuse of Federal Covid-19 CARES Act grant funds by Bank of America . I believe this intentional misuse of funds was committed by Bank of America so they could continue to proceed with the forclouser sale of my home. I believe that Bank of America did this against the intended purpose of the HAF program so they could profit off of the funds received from the California Mortgage Relief Program and then double dip into all the additional funds they will receive on the forclouser sale. I believe Bank of America Intentionally misinformed the CA Mortgage Relief Program of the amount needed to bring my mortgage current and then intentionaly misused those funds intended to bring my home to a fully reinstated " Current '' status. Leaving my XXXX XXXX veteran husband and I in desperate need of assistance again. 

I have sent a Notice of Error to Bank of America and a email to the California Mortgage Relief Program with no response received.

Thank you in advance for all of your assistance, XXXX XXXX XXXX XXXX XXXX XXXX If needed please contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card or prepaid card

On XX/XX/15 I tried to make a payment to my credit card. The company is Continental Credit Card/XXXX. I initially tried to use the mobile app and was told I was unable to make a payment. I then tried to make it through the website and I received the same message. I have been making a XXXX payment every month but I started getting charges which has made my balance increase significantly. I am doing the best I can due to the my current situation that was caused by Covid. I feel this company is taking advantage of my current situation and now will not allow me to make a payment which will also allow them to charge me late fees and other fees.
Product: Credit reporting or other personal consumer reports

I filed a dispute for unauthorized inquiry 's on my credit profile over 30 days ago and still no response from credit bureaus This furnishers has been made know by federal law enforcement department that this account is fraudulent and not authorized and they continue to report illegal information on credit report. This account should not be reporting and they refuse to remove this information.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Identity Theft Dispute Violation of FCRA 1681c-2 & 1681s-2 I am submitting this formal complaint against Experian regarding fraudulent accounts and inquiries appearing on my credit report due to identity theft. I have already provided supporting documentation, including an FTC Identity Theft Report, but these items remain.

Legal Violations & Request for Immediate Deletion 1. Failure to Block Fraudulent Accounts ( FCRA 1681c-2 ) Experian is required to remove fraudulent accounts within 4 business days of receiving an Identity Theft Report. However, the accounts listed below have yet to be deleted.

2. Failure to Conduct a Proper Investigation ( FCRA 1681s-2 ) Experian has a legal obligation to conduct a reasonable investigation when a consumer disputes fraudulent activity. The continued reporting of these accounts suggests non-compliance with federal law. 

Fraudulent Accounts on Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries on Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello- For the last XXXX years, I have tried to update the checking account on file that my Chase Credit Card charges in automatic billing. I no longer store funds in the checking account on file so each time Chase processes a credit card charge, the checking account on file becomes overdrawn and I'm hit with an overdraw fee of {$35.00} by the bank with which I have checking account ( not Chase. ) I am also assessed fees of varying degrees by Chase for being late on my monthly payment. I have tried to call several times over the past XXXX years to resolve this, and have tried to resolve it online. Chase support agents have not been able to update the checking account on file, claiming only I can do that on my online XXXX account. I have explained to them that I try to do so but the " Manage '' button for automatic billing does not work on my account, and therefore I am unable to make the update. I have asked to disenroll in automatic billing instead which they have failed to complete and which I am unable to do within the XXXX  application. They further claim that I do not have any other checking accounts connected to my Chase account, even though I pay from another valid checking account every single month. I don't enter the info for that account from scratch each time I pay. The account is in fact stored as my default manual payment option when I manually pay my credit card on the XXXX application. Despite that, they claim the account is not connected. This dilemma has cost me hundreds in overdraft and late payment fees and may have impacted my credit. I am at my whits end for resolving this as each time I call, I'm cycled through a circle of agents, none of whom believes a solution to my problem exists.
Product: Debt collection

HOLLOWAY CREDIT SOLUTIONS HAS BEEN INFORMED THAT THE DEBT THEY ARE TRYING TO COLLECT FROM ME IS FRIVOLOUS. THEY ARE TRYING TO COLLECT A DEBT ON BEHALF OF XXXX UNIVERSITY AND I HAVE ALREADY INFORMED THEM I ATTENDED UNIVERSITY OF XXXX AT XXXX IN ( XX/XX/XXXX-XX/XX/XXXX ) AT THE SAID TIME OF THE ORIGINATION OF THIS ERRONEOUS DEBT. I HAVE PREVIOUSLY INFORMED HOLLOWAY CREDIT SOLUTIONS THAT I WAS A VICTIM OF IDENTITY THEFT. I HAVE ATTACHED OFFICIAL DOCUMENTATION FROM THE XXXX WHICH SHOWS OFFICIAL AND VERIFIED ENROLLMENT STATUS DURING THE TIME THAT HOLLOWAY CREDIT SOLUTIONS IS CLAIMING I WAS A STUDENT AT XXXX UNIVERISTY. I HAVE ALSO ATTACHED DOCUMENTS FROM THE XXXX THAT CLEARLY CORROBORATE MY ATTENDANCE AT XXXX ( NOT XXXX UNIVERSITY ) VIA THE PELL GRANT DISPERSAL THAT I RECEIVED **FROM XXXX , NOT XXXX**, WHICH FURTHER VALIDATES THAT I ATTENDED XXXX, AND NOT XXXX UNIVERSITY. THE DOCUMENTS OF STUDENT ENROLLMENT IN XXXX UNIVERSITY ARE A RESULT OF IDENTITY THEFT. IT IS QUITE STRANGE THAT XXXX UNIVERSITY CAN NOT PROVIDE DOCUMENTATION THAT SHOWS WHAT BANK ACCOUNT THESE DISBURSED FUNDS WERE ALLOCATED TO, NOR CAN THEY SHOW OFFICIAL DOCUMENTS FROM THE XXXX or XXXX IN THE SAME WAY UNIVERSITY OF XXXX AT XXXX HAS BEEN ABLE TO DO. THAT IS WHY THIS IS NOT A LEGIT DEBT AND THIS WILL HAVE TO BE REMOVED FROM MY CREDIT PROFILE. 

HOLLOWAY CREDIT SOLUTIONS HAS ALREADY ADMITTED IN WRITING THAT THEY HAD ACQUIRED AN INCORRECT DATE OF BIRTH-THAT DOES NOT MATCH MY DATE OF BIRTH. THIS FURTHERS DISCREDITS THEM AS UNETHICAL DEBT COLLECTORS.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Reinserted Item on Credit Report Acct # XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX I am writing to formally dispute the recent reappearance of an item on my credit report that was previously removed. The account in question is XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX I would like to note that I previously filed a dispute for this account which was processed and removed from my credit report on XX/XX/year>, please see attached proof of the deletion. However, to my surprise, this fraudulent account has been added back to my report on XX/XX/year> This reinsertion violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : FCRA Section 611 ( a ) ( 1 ) ( A ) : Requires the credit reporting agency to complete an investigation when a consumer disputes an item and either confirm its accuracy or delete it. FCRA Section 611 ( a ) ( 1 ) ( B ) : Mandates that if the information is found to be inaccurate or can not be verified, the agency must remove or correct it. FCRA Section 611 ( a ) ( 5 ) ( B ) : Specifies that if an item previously removed is reinserted, the agency must notify the consumer within five business days. The reinserted item on my credit report has reappeared without proper notification or validation, violating the above FCRA provisions. I request that you immediately remove this reinserted item from my credit report. If this matter is not resolved promptly, I will seek legal remedies, including a claim for damages up to {$1000.00} as permitted under the FCRA for violations of the law. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account XXXX and to this day it has not removed from my credit report. I called the company and dealt with the credit bureaus directly. Although they returned a verdict of saying that the account was found fraudulent they never deleted it from my credit report even though XXXX XXXX stated that it would be deleted from my report first on XX/XX/XXXX then again on XX/XX/XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX , this is not a third party filing this dispute. I have notice several Violations on my consumer report be done by the following credit reporting agencies. XXXX, EQUIFAX and XXXX. This is a major violation of the FCRA and I demand that these inaccuracy be remove and updated Immediately. Please see attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the Equifax breach, XXXX breach and the black market, I need these to be removed.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost urgency regarding the inaccuracies present on my credit report. It has come to my attention that your bureau has failed to accurately reflect my credit history, which has had detrimental effects on my financial standing. 

The inaccuracies on my credit report are not only egregious but also intolerable. These errors have unjustly tarnished my reputation and hindered my ability to secure loans, housing, and employment opportunities. As a responsible consumer, I have diligently monitored my credit history, and it is unacceptable to find such blatant discrepancies. 

I demand immediate action to rectify these inaccuracies and restore the integrity of my credit report. Your failure to promptly address this matter will leave me with no choice but to pursue legal action to protect my rights and seek appropriate compensation for the damages incurred. 

I expect a swift and thorough investigation into this matter, along with transparent communication regarding the steps being taken to resolve it. Any further negligence on your part will be met with the full force of the law.
Product: Credit reporting or other personal consumer reports

I noticed an account on my credit report that I don't recognize and believe it may be due to identity theft or fraud.
Product: Credit reporting

I have reported the information to the company. However, I did not receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Credco '' XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It is my personal statement that the inquiries that I have listed are a result of identity theft and are fraudulent and must be deleted within four business days of your receipt of this report pursuant to 15 USC 1681C-2 of the FCRA. Also, pursuant to 15 USC 1681e ( b ) of the FCRA, you must maintain accurate records of my personal information within my credit file. Update my personal information to reflect accurately within my consumer report. 

See Attached Identiy Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DATE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Product: Credit reporting or other personal consumer reports

I don't understand because it is certainly not that hard to attend to you customer 's need if you prioritize their well-being. I feel disrespected that to this day, my inquiry of having these accounts re-checked, re-verified and re-investigated is being ignored - as if the company doesn't really give a cent about my situation. Please help me verify these information that are extremely inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave any written consent to report anything on my consumer report.
Product: Debt collection

XXXX XXXX XXXX is currently reporting to the credit agencies that I still owe a balance although the account was settled in XXXX.
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report on XX/XX/2024 and there is some incomplete and non accurate information reporting to my report! According to he FCRA when a consumer reporting agency crates a consumer report is should follow reasonable procedures to assure the maximum possible accuracy of the information concerning the person in which the report is reporting about! This account XXXX XXXX XXXX XXXX # XXXX ) Is incomplete and accurate! 

According to 15 USC 1681s-2 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 incomplete or inaccurate. Please see attachments below
Product: Debt collection

XXXX KEPT CALLING MY CELL NUMBER 'S 3 TIMES AFTER CEASE COMMUNICATION NOTICES. 

3 CAALLS DATED XXXX/XXXX/XXXX 3 COUNTS OF DEBILERATE CALLS TO CELL ( SEE ATTACHED PHONE RECORDS.
Product: Credit reporting

Pursuant to FCRA Section 611 ( a ) ( B ) ( ii ), Equifax is required by law to inform me within 5 days reinsertion that they are adding anything back to my report. On XXXX I obtained a copy of my credit report via XXXX XXXX. Said report showed that Equifax deleted XXXX from my credit report. On XXXX, I obtained a copy of my credit report and said deleted account was REINSERTED on my credit report. This reinsertion dropped my credit score! 

Equifax failed to notify me pursuant to FCRA Section 611 ( a ) ( B ) ( ii ) ; therefore, they have broken the law.