23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney This original creditor was XXXX XXXX during XXXX of XXXX. I was in automobile accident and was treated at XXXX XXXX  recommended by my attorneys. XXXX XXXX  had been paid in totality after the settlement of the accident and we were in communications with them prior to them selling the account to Amcol Systems. I do not owe anything to XXXX XXXX  and or Amcol Systems and their negative presence on my credit report is negatively affecting how I am viewed to lenders and my score. I am asking that they be removed from my credit report all together.
Product: Debt collection

I received a letter from Credit Acceptance Corporation with the " intent to sue ''
Product: Credit card or prepaid card

On XX/XX/XXXX I filed a police report in XXXX XXXX XXXX for a prior burglary of my business.  The thief had access to my personal information and my computer.  Later a charge was made using an XXXX  account for XXXX.  I have made purchases on the XXXX  website but had never used XXXX XXXX   before.  Our business, XXXX XXXX XXXX located at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NV XXXX, had been closed since late XX/XX/XXXX.  I reported this transaction to my credit card bank Capital One.  Capital One refused to reverse the transaction and claimed that the person who used my credit card shipped the item to this above address and that supposedly a thief would not do that.  I told them that we have been marked as closed for 2 months so it would make sense to ship it to a closed business and wait for delivery instead of shipping the goods to the thief's personal address where the police can track them down.  I told the bank that I had filled a prior police report for the burglary and that I have surveillance footage of the incident.  Capital One stated that they do not review police reports or camera footage.  They stated that they only go by the fact that the item was delivered to an address that they have on file and that the email address matches on the order.  They refused to view the police report.
Product: Checking or savings account

XX/XX/XXXX - I noticed a check cashed XX/XX/XXXX to my checking account that was not familiar. Upon inspection it was a check that was written over 2 years prior and cashed. It was never destroyed and was subsequently cashed again but modified. The forgery was to a different person, altered amount, check number and payee. I immediately called Chase to discuss and they said I needed to go to the branch. 

XX/XX/XXXX - I go to the branch and they say I need to talk to fraud department by phone. I tell them I just did that and was told to come to the branch. They apologize and say, no, I need to talk to fraud. I call fraud and they freeze my account and say they'll send forms to fill out. 

I receive the forms approximately 2 weeks later in the mail. I fill them out and attempt to fax them to the appropriate number. I had complete forms, copies of the original check and the fraudulent copy. It was plain to see what happened. 

XX/XX/XXXX : After not hearing anything, I call Chase for an update. They had not received the fax. I mail a hard copy of the forms to the address. 

Multiple calls to follow up with no answers. My account is still frozen and I can't access my own funds! 

Late XXXX : Chase ackowledges receipt of the fraud forms. 

XXXX : I go into the branch to have them move money. They can't because the account is frozen. I give the manager one more chance to figure it out and get my moeny into an account I have access to. A week later, he hasn't made any progress. 

XX/XX/XXXX : I went back to the bank and closed all of my accounts, with the exception of the one that is frozen. They figured out how to move the money out of the account, but we left that one open since the fraud case was still open. 

XX/XX/XXXX : Fraud department refunds the lost funds ( {$800.00} ). I try to move the money, but the account is still frozen. 

XX/XX/XXXX : Chase sends an automatic bill payment from the frozen account to a service provider. That check gets cashed, from the supposedly frozen account. 

XX/XX/XXXX : Account is still frozen and the charge me a low balance fee against the account. 

XX/XX/XXXX : Chase will not refund the fee, and the account is still frozen. We are currently on hold with the fraud department ( over 30 minutes ) hoping they can release the hold on the account and give me our money once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This bureau has been putting information incorrectly and unverified including listed below : RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$1600.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$9700.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$24000.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9800.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$5200.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from CREDIT PLUS located at XXXX XXXX XXXX XXXX, MD XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Personal Information : XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXXXXXX XXXX XXXX  XXXX - Incorrect Previous Address XXXX - Incorrect Date of Birth
Product: Mortgage

Reference : Loan # XXXX Shell Point Mortgage XXXX XXXX XXXX I am very sick and tired missing with my Mortgage Lender. I have in my 20+ yrs been thru XXXX other mortgage loan modification and both have been very simple and easy. I need for Shell Point Mortgage to provide me an Amortization Schedule in clear cut understanding language. First Shell Point has added {$7000.00} for taxes i paid myself on property taxes and they are taking forever to remove that off the principal balance and i am paying interest on. Second they added {$2000.00} deferred for what?? No earth idea why and never explained to me. Last prior to starting my Loan Mod. my balance was $ XXXX and not its $ XXXX???? I see {$8000.00} added and from where??????? 

We need some investigation on this file ASAP!!!
Product: Money transfer, virtual currency, or money service

I sent the amount of {$60000.00} USD from XXXX XXXX on XX/XX/year> to Chase Bank. It was confirmed by the gentleman that the money was sent to. it was with the intent to start a business as a silent business partner, which I had contractual obligations with. I found out the gentleman that I was working with was ultimately scamming people, and in addition, was XXXX. I found out about his XXXX around XX/XX/XXXX. 
After I found out about his XXXX, I did some research online and ultimately found out that he was scamming people through multiple businesses. I never saw anything that he told me would be delivered through the business ( such as a website, ads that were to be run, or contacts that I was supposed to have ). 
I contacted my bank, XXXX XXXX  to request that they contact Chase bank to refund the money. Chase Bank was ultimately not able to return the money to me. 
I then contacted Chase Bank directly and asked them to be able to release the money, or provide me with details of who now owns the account and to freeze the accounts so that I could pursue getting my money back. Ultimately Chase Bank sent out a debit authorization to the account holder to return my funds, but were unable to provide me with any additional information on the account holder, or verify if they have or could freeze their account.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous disputes regarding an unknown account that is still appearing on my credit report. Despite my repeated efforts to rectify this issue, the account in question remains unresolved. 

As I have previously stated, I have no knowledge of this account and have never opened or authorized it. Its presence on my credit report is not only erroneous but also detrimental to my creditworthiness.
Product: Student loan

Since XX/XX/2017 I have been in contact with AES to inform then that I am in school. They made minimal effort to properly inform me of information about my loan. Every time I have called I've given new information. When I spoke to someone in XX/XX/XXXX they said they sent out an in-school deferment form for me to sign, which I did not receive. I called to ask them to send it again earlier this month, they told me that I should've received it in my electronic inbox instead of by mail and that they would be sending it again that way. A few days later I receive an email stating I am not eligible because my account is in delinquency. I haven't made payment because I have been under the impression that my in school deferment would be rightfully instated, just as it has with XXXX. I contacted them again early last week and they told me that my school never submitted enrollment verification with the XXXX XXXX XXXX. I call the school who provides me with dates in XX/XX/XXXX that they have submitted my enrollment verification. This prompts me to call the XXXX who provides me with all of the dates starting in XX/XX/XXXX that they provided AES with verification of my enrollment. Throughout my multiple calls to AES over the week they give me varying excuses as to why I they can't provide me with in school deferment until finally a manager calls and tells me this morning that it's been five years school my loan has been disbursed therefore making me ineligible for in school deferment and I am out of options. I am distressed by how ineffective everyone I've spoke to has been since my contacting them in XX/XX/XXXX, and my credit score has dropped. Currently I am in a XXXX XXXX XXXX XXXX XXXX program and had I known that I was ineligible for in-school deferment back in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so forth, I would have found a way to make the payments back then so my credit score would not have dropped and my account wouldn't have been in delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX   XXXX XXXX, XXXX XXXX
Product: Debt collection

i have recently contacted this company and inform the that the debt that they say i owe is not mines i also have sent letters out saying this debt is not mines i need this debt remove from my credit report ASAP if this continue i will have to use legal action and i dont want this to go that far please contact all credit bureaus and like them know the debt is not mines
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent notices to ALL 3 credit reporting agencies advise that I am a victim of identity theft. I request that a alert be please on my credit, fraudulent address and that all the account relates to my identity theft be removed from my credit report. I provide a police an affidavit and a list of fraudulent account with dates and details. I also sent this information to the creditor listed on my report. As of today only one account has been removed. I have exhausted all options at this point. This situation has already been tough enough, as a feel extremely victimized, but now to have to fight to have items that do not belong to me removed is a bit ridiculously.

The credit reporting agency sent me back letter stating that the account are verified, Im constantly stressed to know someone has and currently is using my personal information.

The accounts are listed on the attach police report
Product: Credit reporting or other personal consumer reports

USC 1681 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency If- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and USC 1681 ( li ) the information is, in fact, inaccurate.

( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Below are the listed accounts that are not accurate and needs to be removed immediately per law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Per The Federal Credit Reporting Act 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] a consumer reporting agency shall block the reporting of any information in the file a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.This account is a result of identity theft. Account name : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please delete this item IMMEDIATELY! I have attached my identity theft report. This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection 9 ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of this account IMMEDIATELY. Lastly per the FCRA I am entitled to {$1000.00} per FCRA Violation if I take this to court. You are in willful violation of [ 15 U.S.C. 1681c-2 } and [ 15 U.S. Code 1681b ]. I trust that Teletrack do not want to this matter to go into a court of law as I am litigious consumer. Please remove this item from my credit report.
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. Over the past nine months, I have attempted to resolve the disparity that is reported for the various accounts below. 

XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX XXXX : # XXXX The information has not been verified and no original documentation has been shared with me for verification. The reporting balance, account closing date, and monthly payment history all report different information among the three bureau agencies. 

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: Credit reporting or other personal consumer reports

I'm writing to express my frustration over the inaccuracies in my report that are unfairly affecting my scores and, as a result, my future opportunities. These errors are not just numbers on a pagethey have real consequences. Because of them, Ive faced unnecessary rejections, higher rates, and missed chances that I should have rightfully had. Its incredibly frustrating to be held back by incorrect information that shouldnt even be on my report in the first place.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$460.00}
Product: Mortgage

I really need help. I am XXXX and was approved for a medication from Bank of America. Since the medication, I had many expected medical problems last year which resorted to me getting XXXX XXXX. I was also involved with the housing programs. They completely rehabbed my home to accommodate my XXXX. The problem was that I had to move out and continue to keep up all the bills including mortage and utilities and rent somewhere else just to live and I had to pay rent there. They XXXX County promised me that it would be no longer that 90day and instead it I was out for 180 days which messed up my pockets. I have been sending money until they stopped accepting it. I also do n't understand that under the original modification I was approved. I 'm also getting more money through XXXX and keep getting denied when I was approved with a lesser salary Please help ... .I have no place to go. I have been in my home for over 20 years. I have pleaded and pleaded. I 'm trying to catch up. There has been a change in my circumstances and my financials, No one from Bank of America has asked me for any update nor my XXXX award letter nor and of my medical records. Please, please, please help me save my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Details I am filing this complaint due to several unauthorized inquiries showing on my credit report. At the time I received those credit inquiries on my Transunion credit report there was a fraud alert on my account and anytime someone runs my credit I was to be notified and I was not. therefore my consumer rights were violated. I also contacted Transunion via mail and phone but I was denied to get these items removed from my credit report. I contacted each creditor through phone and was told that they could not provide me with any info and through mail I heard nothing back that was well over a month ago. I 've contacted Transunion and stated this, I was constantly told to contact creditor even after I told you all that I have not received a response. I did not give any one of these creditors permissible purpose to pull my credit and as I stated before a fraud alert was on my acct. I should have been alerted and that was not in full compliance with the FCRA. I do not do business with neither one of the companies that accessed my credit report. I would like Transunion to furnish proof from each creditor stating that permission was in fact given I would like proof with in 30 days. If you all can not furnish proof with in 30 days I would like for u to comply with the FCRA and remove each inquiry from my credit report.
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The list of unauthorized credit inquiries consist of :   XXXX   inquiry from XX/XX/XXXX    XXXX   XXXX   inquiry from XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX   XXXX  inquiry from XX/XX/XXXX   XXXX  inquiry from  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OPEN XXXX 2020 {$900.00} COMPANY : XXXX XXXX I CALLED NO RESPONSE
Product: Credit card

Found a charge on my account that I did not purchase ... ..from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rate shopping within a certain time frame is improperly reflected as multiple hard inquiries. 
I do not recognize all of these hard inquiries.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed 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
Product: Checking or savings account

I have been billed an exorbitant overdraft fees by usbank this is not right. I have attempted to make cash deposits at three different usbank ATMs and I keep getting an error message this Cost my account to be overdrawn also when the overdraft fee was less than {$5.00} I was billed another overdraft fee, I am requesting credit for all overdraft fees totaling {$300.00}. I will attach a photos that I took at an ATMs.