23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Have a mortgage on XXXX property with FIrstKey. Requested payoff amount and received same. Sent in payoff amount of {$440.00} ( via certified funds ) on XXXX/XXXX/15 ; which was two weeks before deadline. Never received reconveyance. Have called FirstKey on multiple occasions and send them multiple emails. Took over 30 days for them to respond to my email. My phone calls go nowhere. They admit it was their mistake but they are not doing anything about it. Instead, they have sent me to collections and I fear my credit has been affected. My loan # is XXXX and i can forward to you all of my correspondence. thx
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX CT XXXX VA XXXX XXXX SS # XXXX dob XX/XX/1962 stop ignoring me and give me answers If some hacked your account and stole your money you would want answers!!!!! 

I Want my money back, security called and told me this would be resolved and it still has not been resolved i need for someone to call be back.I want someone go to jail for hacking my account i need this resolved ASAP READ!!!!!! 

This is XXXX XXXX and here is what happened with my account, on XX/XX/XXXX someone hacked my account and sold all my crypto. They sold XXXX and they sold my XXXX  and they sold my XXXX and then they went shopping with my money. They went to XXXX and company in Washington State, I live in Virginia. They used XXXX of my money. I called XXXX and company last night at this number XXXX they ignored me. I tried to tell them that someone used my money and gave them my name but they could not help me. 

I then sold all my stock and i'm trying to close my account and now all my money is gone this morning!!!!!! 
I can not do your job for you. I needs to go to your security department and all want all my money back!!!!!!! 


This was my retirement money and now it is all gone. I am an old XXXX man and now I am broke!!!!! 

I need you guys to call me ASAP XXXX XXXX XXXX
Product: Credit card

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. A account was opened XXXX XXXX of the amount of XXXX.
Product: Payday loan, title loan, or personal loan

Not sure of date however i believe it was in 2019 that my vehicle was repossessed however i went the same day and paid all neccessary fees in which my vehicle was returned. I went to check my credit and was told there's a repossession fha is hurting my credit profile. I have paid all my debts and doing my absolute best to repair and this is the only thing in the way. I'm in search of help to remove this negative cloud off my credit report profile. Please any help in the right direction please. My car loan is from Fifth thrid bank i called them to assist and they forwarded me to this website
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Experian for including incorrect personal information on my consumer report. The inaccuracies are as follows. These inaccuracies are negatively affecting my credit standing. I believe these errors violate the FCRA which mandates accurate reporting. I will attach all incorrect information to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX, XXXXXXXX XXXX Employer : XXXX XXXX Addresses : XXXX 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 XXXXXX/XX/XXXX Experian Name : XXXXXXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX 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 XXXXXXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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
Product: Debt collection

I.C SYSTEM INC {$430.00} Ive filed identity theft with all credit bureaus. Please remove this.
Product: Credit card or prepaid card

I applied for a chase sapphire credit card which advertises XXXX points if you spend {$4000.00} in the first 3 months. I received the credit card on XX/XX/2021 and from the XXXX XXXX it showed me that I was spending > {$4000.00} during the 3 month period. However, I didn't receive the credit card awards and when I called to chase, they told me that they have all the fine print such as fees, open date that were not obvious in the offer and told me that I am XXXX dollars short from getting the promotional points. I called twice and their altitude is " don't care '' and didn't bother to see what I see in the chase app about spending summary. Their altitude is horrible and not empathetic at all. I am going to move all my business away from Chase.
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.

U S DEPT OF EDXXXX Account XXXX XXXX U S DEPT OF ED/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
Product: Credit card or prepaid card

XXXX XXXX So I've been with discover card for years and years never had a problem paying my bills XXXX  hit loss family members lost income my bills felt behind i was struggling i became very afraid to even pick up my phone because the calls was coming XXXX another with threats so i finally was able to get a friend to try and help me out some of my debt we called discover i was talking with a lady she told me my account had been charge-off and i need to pay it before its closed and than I would be brought to court no call recorded no XXXX  XXXX nothing SO I WAS VERY SCARED my friend came on line to help make a payment of {$XXXX} and i set up future installments later that night i called back ask since i was a long time customer can i get my account back activated i was told that the special department was closed to try again tomorrow i did and was told they will not how can you be XXXX  and treated like this by credit card companies this is not fair nor is it right and you have XXXX hardship in your life they close your account without any further consideration this is so unfair for consumers PHONE Number XXXX
Product: Money transfer, virtual currency, or money service

I can't connect my PNC account to my XXXX  account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : 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 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


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


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


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


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


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


17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize or give any permission to these company pulling 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  XXXX XXXX XXXX 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
Product: Checking or savings account

I opened a new money market account at Suntrust Bank based upon an advertisement at https : XXXX showing 2.4 % interest rate. 

On XX/XX/2019, {$10000.00} was ACHd by Suntrust from my Savings account at XXXX XXXX. I then logged into my account and it no where on the site did it show the interest rate. I called up Customer Service and after spending 30 minutes on the phone with Suntrust, they said the interest rate can change at any time without notice and there was no way to find the rate out except to call them. Since spending 30 minutes on the phone to get my interest rate is not a good use of time, I decided I was going to close my account. I sent myself a XXXX check for {$10000.00} so I could get my funds back. The funds were supposed to arrive by XX/XX/XXXX, and when the check did not show up I called them on the XXXX. They said my account was frozen due to fraud prevention and to wait a couple days and they would close my account and mail me a check. I called Suntrust again on XX/XX/XXXX, and they said to wait one week and my account would be closed and they would mail me a check. I called today, on XX/XX/XXXX and XXXX XXXX said there was no way for Suntrust to send me my money back and XXXX had to request the money. I called XXXX and they said there was no way they could request the money because the ACH request was initiated by Suntrust. I then called Suntrust back again and XXXX XXXX said I just had to wait an undetermined amount of time. I called again and they said my account is frozen due to a garnishment. I know there are no garnishments related to me so the only way for that to occur is for mistaken identity. I asked them to produce a document or what I could send them to prove that there are no issues and she said there was nothing I can do.
Product: Credit card

I pay an annual fee to US Bank for my credit card. XXXX of the benefits of this card is that it has a benefit, the says the last night of my award booking is free. I have had this card for 2+ years, I understand how this works. This year, right after I paid my fee, US Bank announced that they will discontinue the free night benefit as of XXXX 2015. The free night offer was listed on the credit card application from US Bank. I wish the Annual fee to be refunded and a bonus of XXXX points be put in my account as damages to me
Product: Credit card or prepaid card

In the summer of 2012, two credit cards ( issued by XXXX XXXX  and Chase Bank ) were opened in my name without my authorization. Both cards were maxed out and eventually sent to collections. However, knowing that I had no credit cards and having minimal credit experience ( I was XXXX years old when both cards were opened ), I paid no real attention to my credit reports until years after the account had already been closed/charged off and I did n't truly comprehend that my identity had been stolen until this year and upon discovery, I 've done everything in my power to reverse/repair the damage caused by this event. 
Both initial and extended fraud alerts have been placed on my credit file, I have filed a report with the FTC, and I 've been actively working to get these accounts off of my credit report by contacting the CRAs and the creditors directly. XXXX XXXX confirmed that the account was opened without my authorization and immediately updated its information and notified the CRAs. This is when XXXX placed the extended alert due to true name theft/fraud on my account. Chase Bank (, on the other hand, is apparently above section 623, and treated my letter as an account inquiry rather than an alert/notice of identity theft. I 'm not sure how Chase was able to confirm that the information reported was correct after I report to them that the account was fraudulently opened.
Product: Credit card or prepaid card

Attempted to use my Discover XXXX card and was declined. 
Called Discover directly, because I was confused and concerned that fraudulent activity may have occurred. 

Spoke with XXXX, who told me my account was closed for inactivity - he also said that correspondence was sent, along with an email. The last emailed recvd was XX/XX/20 & XX/XX/20, advising my covid relief had ended. I never received correspondence via US mail or any other shipping entity. 

I was then transferred to another XXXX who wanted me to apply for another card - adding insult to injury ... my score declined due to closure, and my score would decline if I applied for another card. 

An issue like this tends to be systemic and XXXX many times. It is exhausting as a minority to receive the same consideration that non - minorities take for granted. 

I am absolutely tired of being invisible and dismissed - all of my XXXX  scores are in the XXXX range. My wife and I have three other Discover accounts in excellent standing - this account was in excellent standing. 

I will also be filing a complaint with the FTC. It seems that I am only seen OR heard when I leverage goverment paths like the CFPB or FTC.
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries Hunterwarfield XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint regarding identity theft that I experienced. According to Fair Credit Reporting Act Section 605B ( a ), credit bureaus are required to remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) the proper proof of the consumer 's identity, ( 2 ) a copy of an identity theft report, ( 3 ) the consumer 's identification of such information, and ( 4 ) a statement from the consumer that the information is unrelated to any transactions. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I filed a complaint with XXXX back on XX/XX/year> pertaining to an inaccurate XXXX XXXX account informing XXXX the date opened is inaccurate along with the date last active is also reporting inaccurate. XXXX responded and stated XXXX XXXX verified this information. However, this can not be true, as XXXX is still reporting the same open date, and the same date last active. Furthermore, XXXX deleted this same inaccurate account. XXXX is violating my rights under The Fair Credit Reporting Act 15 USC 1681i ( 5 ), 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. I have been having my right violated multiple times by Experian. Because they deliberately continue to report verifiable inaccurate information on my consumer report I had made multiple attempts to resolve this matter. I have called I have filed complaints through the CFPB. I even mailed them a police report which they claimed, I send it directly even though I also uploaded the same police report through the CFPB so theyre just purposely pushing my problem to the side, not caring whatsoever. I provide my ID and Social Security number. Everything they have asked me for Ive given to them yet still they continue to break the law. 
The account that I have been disputing our as follows : XXXX XXXX XXXX XXXX XXXX Acc XXXX XXXX XXXX 


XXXX XXXX XXXX XXXX XXXX Acc XXXX XXXX XXXX. 



XXXX XXXX XXXX XXXX 
Acc XXXX XXXX XXXX 


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

I am a natural person. I have rights under 15 USC 1681 Experian is govern by 15 USC 1681 and they violated my rights. I demand the accounts below be removed immediately According to 15 USC 1681 I have the right to privacy and I did not give Experian written permission to furnish these accounts. Moreover items were reported fraudulently and inaccurately and in accordance. With the Fair Credit Reporting Act, all items must be 100 % accurate when reporting and accounts reported are not 100 % therefore I demand for All accounts get deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX I dont have any installment loan with XXXX XXXX XXXX XXXX XXXX and I never signed or authorized any installment loan with XXXX XXXX XXXX XXXX XXXX XXXX I never written any checks from XXXX XXXX XXXX XXXX XXXX The furnisher XXXX ( XXXX XXXX ) responded to prior CFPB report case number XXXX that the reporting was not made by them ; therefore, I can conclude the reporting is done fraudulently ( page 6 of 9 ) I gave XXXX a copy of the CFPB and they ignored my request to delete account I gave Experian a copy of my FTC filing stating that the accounts requested to be deleted are fraudulent. FTC report XXXX regarding identification theft Moreover all accounts are inaccurate and invades my privacy on all 3 credit files and 15 usc 1681 states credit files have to be 100 % accurate Experian stated they did an investigation however all 3 credit files are still inaccurate I want all accounts deleted immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY ACCOUNT # XXXX Hope you straight Im writin to let you know I dispute this debt under the Fair Debt Collection Practices Act Dont need no extra proof or paperwork just wan na make sure you know I dont agree with it If you need to reach me do it by email only Monday to Friday XXXX to XXXX XXXX XXXX XXXX Any other way like callin leavin voicemails or sendin mail through USPS XXXX or XXXX XXXX a hassle for me Thanks for understandin
Product: Mortgage

BPO was completed on property that we are working on a short sale on - the lender 's BPO came back extremely over valued so we completed a value dispute. Our value dispute is attached as XXXX and " Seller Report.pdf '' I have also attached the e-mail chain to the manager XXXX XXXX, I 've been trying to get him to respond since XXXX XXXX and I 've sent XXXX e-mails without a response at this time. The last response we got was on XXXX XXXX where we were told that they disagreed with our value dispute and would only offer a deed in lieu because of the condition of the property. 

The condition of the property would be irrelevant if we already have a buyer for the property who is willing to accept the condition of the property. The BPO was proven to be inaccurate and incomplete per our value dispute but they will not adjust the value. They have told us that even though the BPO was " incorrect '' that does not effect the value of the BPO - which just ca n't be true based on our dispute.
Product: Credit reporting or other personal consumer reports

please re investigate the inaccurate information being reported on my consumer report