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

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to Privacy and Confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681 C ( 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 1681 S-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 in accurate.
Product: Checking or savings account

I was Incarcerated on XX/XX/2020. I posted bail and was released on XX/XX/2020. My XXXX ordered me to a Rehabilitation Center in XXXX XXXX, Arkansas, called the XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, Arkansas, XXXX. I was admitted the night of the XXXX around XXXX. On the XXXX of XXXX, 2020, I went to the Arvest Bank location on XXXX in XXXX XXXX, Arkansas. Upon going to the Branch Location, I was informed my bank account had been fraudulently hit, and all of my funds were gone. I immediately filed a dispute with the company, the amount in the account should have been {$3100.00}. After filing the dispute the company, even though they were aware that the account had been compromised, re-distributed the monies that were disputed back into the compromised account, therefore allowing the person ( s ) that had the account information to withdrawal the money again. I was able to get XXXX out eventually, but upon taking out the XXXX, the bank informed me, when I tried to re-dispute the rest of the money, that they would not be doing another investigation into the disputed funds, and would no longer allow me as a client at that banking corporation. There should be approximately XXXX dollars that the banking corporation of Arvest owes me, through the FDIC insurance policy, on fraudulent banking activity, yet, they are not disputing the account anymore, nor will they have any contact with me about the account, because of the fraudulent activity. 

Besides the withdrawal of XXXX , I have not done anything to this account whatsoever, since before XX/XX/2020.
Product: Credit reporting

I understand I 'm entitled to a free XXXX credit report when I am a victim of fraud, which I have been. However, there is no one to talk to at the XXXX credit bureaus and no way that I have seen online to order a XXXX free report.
Product: Debt collection

I have become aware of inaccurate information on my credit report because I wanted to refinance my home mortgage. With the information received on the credit report, I am not able to take advantage of the offers that would have been available had my credit report been accurate. 

I am submitting a complaint because there is an account recently added to my credit report identified as Collection when, in fact, the bill was paid upon receipt in XX/XX/XXXX. 

I visited the XXXX XXXX XXXX ER on XX/XX/XXXX following an automobile crash. The hospital took the auto insurance to process billing. 

Attached is documentation of the bill and payment of the bill from XXXX XXXX XXXX with service location noted as XXXX XXXX XXXX  

Aside from the gross inaccuracy of the information that I need rectified, I am disputing the timing of the report and how it is presented on my credit report. The reporting agency, IC Systems, is reporting an account opened XX/XX/XXXX and closed XX/XX/XXXX and reported XXXX, with manner of Payment " Collection ( I9B ) ''. Payment History indicates a Balance of {$500.00} listed in XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. Since learning of this via my mortgage broker, I have received a paper bill ( " Collection Notice '' ) in the mail, dated XX/XX/XXXX ( also attached ). 

Please let me know when this will be removed from my credit report. If not removed in a timely manner, I will pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

To begin with, I did not authorize or give consent to TransUnion or any other agency to furnish information related to me. 

I XXXX XXXX, have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

Following these harassing phone calls, I performed a review of my credit report, and I discovered that your agency shows some unauthorized accounts that I find to be detrimental to my credit. 

Please be advised that the companies performing the harassing phone calls are listed below. 
1 ) XXXX XXXX XXXX / {$560.00} 2 ) XXXX XXXX XXXX / {$14000.00} 3 ) XXXX XXXX XXXX / {$14000.00} 4 ) XXXX XXXX / {$2900.00} 5 ) XXXX XXXX {$5100.00} 6 ) XXXX XXXX, XXXX / {$9100.00} 7 ) XXXX XXXX XXXX / {$300.00} 8 ) XXXX XXXX, XXXX / {$280.00} 9 ) XXXX XXXX XXXX / {$10000.00} 10 ) XXXX XXXX / {$1100.00} To repeat, these transactions occurred without my permission. 

I would like to request removal of the above items from my credit report, which are the result of me being a victim of identity theft. This information does not relate to transactions that I have made/accounts that I have opened. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 6803, at the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to the consumer, in writing or in electronic form or other form permitted by regulations. Pursuant to 15 USC 6802 ( b ) ( 1 ) ( a ) such financial institution clearly and conspicuously discloses to the consumer, the credit bureaus violated my right to not giving me the right to opt out clearly and conspicuously. In addition, the customer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to a 3rd party in which the bureau 's violated this this law as well because I was never disclosed at all. I was never giving the right for nondisclosure, opportunity or explanation on how I can exercise my rights. I demanded that the credit bureaus remove these accounts off my credit report immediately XXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$500.00} written off. XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$420.00} written off. {$420.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Open. {$2.00}, XXXX past due as of XX/XX/XXXX. XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$660.00} past due as of XXXX XXXX. XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$630.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$500.00} past due as of XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I HAVE SOME GOALS I WOULD LOVE TO ACCOMPLISH SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Product: Checking or savings account

My bank incorrectly documented my claim for unauthorized transactions on my account. I reported the amount they wrongfully denied the claim even though I provided police report and other documentation. The misrepresentation likely influenced the wrongful denial of my claim. I tried to resolve the matter directly with bank with no success, I want them to reopen my claim and properly investigate and issue a refund for the unauthorized transactions. I am also requesting any and all internal documentation or evidence of reason for there decision. I believe they failed to follow the proper procedures under regulation XXXX.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and I see some incorrect information on my credit report that is affecting my ability to obtain credit at the moment, as a result, I want ask you to investigate this account please? 
account- XXXX XXXX account number- XXXX
Product: Checking or savings account

I am trying to link my PNC Checking account with XXXX and I received a message stating PNC has recently changed my account so I can not link it to any other accounts. I was not made aware f this change nor asked if I want this change in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows inquiries that I did not authorize and they need to be removed. 

XXXX - XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry has been reported on my credit report. I don't know these companies nor have I ever did any business with this company. This company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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: 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 EMPLOYER : XXXX XXXX XXXX XXXX  ADDRESSES : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXKS XXXX EXPERIAN NAME XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX UNIT XXXX, AZ XXXX INQUIRIES : US SM BUS ADMIN ODA XX/XX/2020 XXXX XX/XX/2020 XXXX : XXXX SELF-REPORTED XXXX XXXX XXXX AD XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : AD XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I notified Professional Credit Management that since this debt is medical, the claim needs to be filed with my insurance ( XXXX and XXXX ). I owe no deductible for this debt as insurance will/has pay/paid in full. PCM appears to be trying to collect from me and from my insurance for a double payout.
Product: Credit card

in XXXX 2016, target sent me a letter stating about sending in a document for the removal of the inquiry. Once i sent the document, the credit bureau equifax, states to me that it is up to Target to handle this process and that I am not suppose to do anything. The credit bureau also stated to me that Target had never sent anything in stating for the removal of the inquiry and that Target is not addressing the issue instead giving me the runaround. The credit bureau also stated to me that all Target is supposed to email XXXX asking for the removal of the inquiry.. s of today the inquiry still exist on my credit report.
Product: Credit card or prepaid card

I, XXXX XXXX XXXX has been a USAA insurance and credit card customer for well over 20 years. For the first time ever when making a {$10000.00} payment on XX/XX/2020, USAA collected the payment from XXXX XXXX XXXX XXXX, but is refusing to apply the payment until XX/XX/2020. There is no reason given for this practice either. The only suggestion by USAA possibly offered is it's a new policy for large deposits to be triggered for possible money laundering. They even went so far as to suggest the institution in which the money came from was not recognized. It's been our bank for over 14 years and it's affiliated with XXXX XXXX where I'm a car designer. 

My concerns are they are collecting our and other peoples money for credit card payments and not applying it while at the same time charging us interest on that money we've paid back already, plus they are earning interest on the money going into their bank account. In addition, they are saying we are over drawn yet our limit advertised by them online is {$22000.00} and our balance is under {$15000.00} even without the {$10000.00} applied. In one area it's states {$22000.00} is our credit limit ; yet in another it says we are {$4600.00} and something overdrawn. 

We have called them twice about this. They seem just as confused as we are. Today at XXXX pacific time on a recorded call for 47 minutes I gave them permission to work this out with my wife, XXXX XXXX, joint account holder. They eventually hung-up. She was not rude or anything like that either. 

Please investigate. 

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Mortgage

I am a victim of false advertising and a failure to disclose information on their website and by the loan advisor, XXXX XXXX XXXX. I recently tried to refinance my home using the FHA streamline option. The Chase website states that they do refinance FHA loans. I started the process using the conventional loan option and gave them my good faith deposit of {$500.00}. After researching more options on the Chase website I decided that the FHA streamline refinance would be the best option for me. I notified the lending advisor XXXX XXXX XXXX ( NMLS ID XXXX ) of my decision ( XX/XX/20 ). He stated he would check. He did not get back to me until XXXX XX/XX/20 XXXX. XXXX XXXX XXXX stated ( exert from his email on XX/XX/20 ) : I actually heard nothing as of yesterday and just got confirmation this morning and had you on my list. The Streamline option fell through so if we were to move forward we would run into the issue you are having with the interior pictures. With that said due to the status of the application I have to mark it as a withdrawal. From our conversation that causes the good faith to be non-refundable but can get in contact with directly with the team that process the refund and put in a request.

I later found out this is only available only to existing Chase customers with FHA-insured loans. Why would he need to check if this is the case? Why would he tell me it fell through is he incompetent or trying to scam me for more money by adding an unnecessary appraisal cost to the
loan? Nowhere on the Chase website does it state any of this information that FHA refinancing is only available to existing customers.

All proof has been uploaded, email, screenshots of website.
Product: Consumer Loan

I am being charged a late fee for my XXXX XXXX 15 car payment when my car payment is not due yet. My car is financed with Capital One Auto Finance and I have paid my car payment on the XXXX of each month for the past year and was not charged a late fee. I paid my XXXX XXXX 15 car payment on the XXXX along with the late fee that I was charged. I understand why I was charged a late fee on the XXXX XXXX 15 payment because I paid my auto loan on the XXXX instead of the XXXX like I normally do.
Product: Credit reporting or other personal consumer reports

There are still inaccurate items on my credit report. I already filed complaint about this but they just taken it for granted. If the bureaus do not take action, I will file a XXXX  againts them and demand a compensation because of the damaged theyv 've been cause on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 accounts on my credit report that should be removed, they are outdated. I have sent several letters to the bureaus regarding this issue. I will attach the letters. They will not remove them from my credit reports, when it has been 7 years. 

There are also a few accounts reporting inaccurately that I would also like removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its not the company doing! Its the Credit Bureau Reporting doing! Each time my credit score goes up high, their find some old accounts XXXX or XXXX ago and places them on my report like these are new accounts and bring my credit score down! For example for, my credit score was XXXX, they place an old late payment mortgage from XXXX and an old dispute bill from XXXX and place it on my credit report like it just happen and current for XXXX and brought my score down XXXX points. They have been reporting old accounts on my credit report every year to keep my score down! I havent had a late payment or delinquent accounts in years. They wont send me an annual credit report! I ask for one last year in XXXX and this year XXXX and havent receive not one!
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX XXXX XXXX XXXX. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX XXXX  have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Dont recognize, have not applied for anything in 3 years. Please remove
Product: Credit reporting or other personal consumer reports

I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed
Product: Debt collection

I have paid debt in full to lenders. The company has sent me a discharge letter in which I have sent to all 3 credit reporting agencies. All 3 agencies have yet remove this item off my credit report. I have sent letters and documentation to all three agencies regarding this matter with no solution.