23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Recently, Chase Bank became the services of my home loan. I live in a flood zone and maintain flood insurance as required. However, a monthly escrow payment is included with my mortgage payment in order to satisfy the contracts and regulations requirements for maintaining current and adequate insurance, this includes flood insurance. Chase failed to pay XXXX {$950.00} upon renewal notice for my flood policy. A notice of force placed insurance was sent to me requesting evidence of adequate insurance. However, this is Chases responsibility. On XX/XX/23 I contacted their customer service and was advised that an overnight check would be sent to XXXX to satisfy the payment and renewal my policy. Regrettably, this only resolves the matter of a lack of payment but does not resolve my genuine concern for the root cause of the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why are you reporting this account inaccurately? XXXX  is reporting all good payments yet XXXX  is reporting just all charged off.
Product: Debt collection

On XX/XX/2020 I was notified that the collection agency named : placed a collection account on all three of my credit report. I was not notified in writing to my current mailing address and given the right to dispute this account. By doing this they have broken the rules of the Fair Credit Reporting Act. 

I do not have a contract with this collection agency, nor do I have any knowledge of this account.
Product: Debt collection

Ability recovery calls everyday, and normally I would be able to put up with this. The fact that the average call times are eight tries in a one minute time-frame. XXXX  XXXX XXXX automatically blocks them now. This has been happening since XX/XX/2018. They never leave any type of a message either.
Product: Debt collection

Repeated calls and calling on No Caller ID in regards to debt. Nonstop calling.
Product: Credit card or prepaid card

Was charged {$1200.00} in interest in one month and was not receiving bill
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, FORD MOTOR CREDIT ( I add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Checking or savings account

I had an XXXX XXXX with XXXX XXXX. They were taking daily payments from my account got XXXX. When I repeatedly told them that my business wasnt making money and to please stop, they continued to withdraw anyway, overdrawing my account. I filed a fraud claim with BB & T, and they have to provide me with proof that I authorized these withdrawals. But they denied my claim and still do not have the proof stating that I authorized these transactions. Yet, I do have proof in emails showing where I requested XXXX XXXX stop withdrawing.
Product: Credit reporting or other personal consumer reports

I am submitting this compliant because I have nowhere to turn to. Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX and XXXX XXXX XXXX XXXX upon me discovering unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX and XXXX did not make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. Everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I am disappointed that Experian, XXXX and XXXX have not done with due diligence to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are hard inquiries on my credit report that I did not authorize. Also there are accounts on my credit report that I have already disputed that needs to be removed immediately being as though it is in accurate and false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these fraudulent accounts several times and it has not been resolved. I sent in an FTC ID Theft Affidavit and they still have not complied with the guidelines under the FCRA. I have attached the documents for review.
Product: Credit reporting or other personal consumer reports

Experian is reporting XXXX Account XXXX XXXX  as a charged off account on my consumer report. However, it is also reporting a unpaid balance of XXXX XXXXThis is inaccurate because a charged off account should not have a unpaid balance.This inaccuaracy is damaging my consumer report and should be deleted immediantly.
Product: Debt collection

This debt is not mine I was not in the state of XXXX  XXXX XX/XX/XXXX. I was in XXXXI have no knowledge of this. Also I have no job, since XX/XX/XXXX. So how could I get a pay day loan. For XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting AcXXXX XXXX  Accounts # XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), XXXX XXXX  A Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX. 
Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 reporting, credit repair services, or other personal consumer reports

Ive filed a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian on XX/XX/XXXX. I reached out via USPS letter. I also called. In the letter I asked for them to verify debts from XXXX XXXX XXXX. I asked for them to provide me with all documentations that had on file as of XX/XX/XXXX that were used to verify these fraudulent accounts, I asked for the name, number and address of the person who personally verified these accounts. I received their dispute results and Experian has slapped me and the fcra in the face. They refuse to follow the basic laws. I've reported identiy theft to them. Put an ID sercurity alert and asked for the accounts and inquires that were fraud to be deleted. XXXX  and XXXX  have followed through. 

Experian believes they are above the law. I'm now demanding they provide me with everything they have in their files as of XX/XX/XXXX that was used to verify XXXXXXXX XXXX XXXX and to remove all fraudulent inquires asap. 

I will file a complaint with FTC, XXXX  and the attorney general.
Product: Debt collection

In reference to CNAC-TX XXXX # XXXX account. 
Check issued : XX/XX/2017 for {$2100.00} as paid in full. 

To Collection Manager : This letter is to inform you that the validity of this debt is disputed. As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I am willing to pay {$2100.00} which will be paid by XXXX XXXX in the form of a check. If you agree to delete this account from any and all credit reporting agencies XXXX XXXX will release funds as promise, and there will not be a stop payment on the check in the amount of {$2100.00}. Please do not quote to me that you are unable to do this, I am aware of both your rights as well as my own. We both know you are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. The purpose of this settlement is merely to have this item removed from all reporting agencies. We are both aware that paying this debt is no benefit to me unless we can agree on the terms. I am sure you are aware that paying a collection account does not bode well on a credit report and that merely having a collection on a credit report will have a negative impact whether paid or unpaid. 

If you agree to the terms and accept this agreement, XXXX XXXX will release funds as promised only if in exchange for it, you are agreeing to the terms set forth in this agreement and will be deleting this account from all reporting agencies ( XXXX, XXXX, XXXX ). This debt will be considered satisfied, there will be nothing more owed, nothing further to collect, and you will consider this a closed, satisfied account. Again, ALL references regarding this account must be deleted from ALL reporting agencies. Since certified funds will be used for payment, ALL information about this account WILL be removed from all reporting agencies within 15 calendar days of receiving the funds.
Product: Checking or savings account

On XXXX of 2023 I opened a business savings/checking account with Bank of America . The customer service representative advised that if I open the XXXX accounts and maintain a balance of more than {$1500.00} in my checking, I will not pay maintenance fees. I never really viewed my savings account and maintained over a {$100.00} balance in order not to be charged a maintenance fee as I was advised by the service adviser. When I recently checked my savings statements, I saw that they were withdrawing {$10.00} dollar maintenance fee every month, even though they promised that they would not. I went to the bank and they said they will adjust the fees back to my account and will refund all of it back in few days. I went to check the account and they only refund me {$10.00} for one month only and when I inquired about the rest of the fees to be refunded, they said they will not and thats based on their decision. I feel that they took advantage of me and lied to me at the inception of when I opened my account with them.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX ACCOUNTS Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. Please remove.
Product: Consumer Loan

I had an auto loan through Fifth Third bank and was sent payment booklets. The final payment from the booklets was paid, thinking that my car was paid off and I could obtain my title. When doing so, the bank teller then informed me that there was an additional $ 500+ owed before it was completely paid off ; she could not indicate what exactly the extra money was owed for. I called the customer service center and they could n't provide any information as to why I was being billed more than what the payment booklets indicated. I have an issue because there was never any letterletter, notice anything that indicated that the payment booklets would not complete the payments for the car. There were no late payments, missed payments or anything of that nature ; I actually paid ahead at a point in time and was ahead of schedule. This is a major issue because had I known this I could have sought refinancing through other lenders
Product: Credit reporting or other personal consumer reports

this is a violation of 15usc  1681a2 I didn't give written permission to have XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX  furnished on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following company has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 604 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: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Product: Mortgage

I have a home equity line of credit with USAA in the amount of XXXX. I am current in my payments with the loan, but have been late in the past. Due to previous late payments, USAA froze the account, meaning I am unable to borrow more money. However, they report it as " closed '' to the credit agencies. Having XXXX in revolving debt but not an offsetting amount of credit, creates a credit utilization ratio of XXXX %. This significantly hurts my credit report and makes it impossible to get things like car loans or credit cards. The account is not " closed '' it is frozen.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I opened a paypal account. Made the following transactions : XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 Express Checkout Payment : XXXX XXXX XXXX New Jersey ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 Mass Pay Payment : XXXX XXXX  XXXX  New Jersey ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX I had recieved a withdraw of XXXX on XX/XX/2019 From XXXX XXXX  XXXX. Of those winnings I sent payments of funds to 3 people who where part of winning funds. There is no issue and no outstanding compliant with XXXX XXXX XXXX with funds they sent to my account. After sending the funds to those accounts listed above i had a balance of {$350.00} within paypal. Paypal is refusing me access to those funds for 180 days. I've been given no reason for this placement on my account and with no options to reaceive there reasons why. I spent over 6 hours on the phone with various support departments only leading to no answers to any of my questions. When I opened my paypal account I followed the guidelines, and the account is fully confirmed with banking info attached as per paypal guidelines. Im hoping to receive help in receiving funds on hold within my account immediatley. I don't want my account reopened or be used again in anyway ever with paypal again. I'm just seeking help in receiving remaining balance within a timeframe that's reasonible unlike they're 6 month scope.
Product: Debt collection

On XX/XX/2020, sent them a letter to provide me with factual evidence that I have any legal obligation to pay the debt and provide me all the proper documentation I need. listed in the letter attached here but I never receive any.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8400.00} ; XXXX XXXX Balance : {$11000.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries on my credit report. These inquiries were made without my consent and are negatively impacting my credit score. Please investigate and remove these unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I assure you, I never authorized these inquiries. Their presence on my credit report is unjust and is making my already difficult situation even harder to bear. I am pleading with you to please remove them as soon as possible. My credit score has already taken a hit, and its affecting my life in ways I never imagined. 

This situation is causing me so much XXXX  and fear. XXXXm afraid that if these inquiries are not removed, my creditworthiness will continue to suffer, and I wont be able to get back on my feet. Im simply asking for fairness and the chance to restore my credit to what it should rightfully be.