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

These inquiries are fraudulent and were never authorized to be run on my credit report. Its the reason I've hired a credit XXXX. Please remove all these illegal/fraudulent inquiries off my credit report. I never once authorized these illegal 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

During 2020, my bank account has been charged upwards of {$1500.00} in overdraft fees. 
I have a bi-weekly direct deposit. This has created vicious cycle & many financial woes. 
I have tried to explain that during a pandemic, my bank should also be willing to assist like many other financial companies. 
I would like them to consider refunding more than one or two fees. 
I have also been charged overdraft fees when I make a transfers between my account at the same institution.
Product: Credit card or prepaid card

On or about XX/XX/2018 I disputed a charge of {$16000.00}. 

Chase responded on XX/XX/18 that they would work of resolve the dispute and I was not required to pay the disputed amount. 

On XX/XX/18 Chase notified me that my credit limit was reduced {$16000.00} On XX/XX/18 Chase notified me that my dispute was resolved and my account was credited the {$16000.00} Pursuant to review of CFPB rules my credit limit should not have been reduced and resulting negative impact to my credit rating would not have occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to resolve this issues with creditors and company. I explained to the company that I was going through a divorce in XXXX prior to that I had an excellent payment record. 

1 ) XXXX XXXX  - late payments in XXXX, XXXX, XXXX, XXXX & XXXX of XXXX : 2 ) Late payments in XXXX, I was affected by XXXX   XXXX. 
In XXXX, I experienced a very difficult year, as my ex-husband and I was going through a divorce. Prior to our separation, we live jointly in the home and it was a mutual agreement that we would split all expenses 50/50 however, my ex-husband fail to meet his financial agreement. I was required to pay all expenses in full which was a huge adjustment for me at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

SHELLPOINT MORTGAGE ADDED INACCURATE AND FALSE COMMENTS IN THE REMARKS SECTION OF MY CREDIT REPORT.

PLEASE REMOVE THE COMMENT " FORECLOSURE INITIATED '' BECAUSE ITS FALSE.

FORECLOSURE WAS NOT INITIATED BY SHELLPOINT MORTGAGE. I SOLD MY HOUSE AFTER XXXX   DIAG AND NUMEROUS TREATMENTS TO PAY DOCTOR BILLS.

MY HOME WAS NOT FORECLOSED OR INITIATED.

THANK YOU
Product: Bank account or service

Chexsystems is reporting that I have some kind of defaulted or NSF Check or account and therefore I am unable to open a bank account. I filed a complaint with Chexsystems and they say No Information Found, yet they still report me. My Consumer ID is XXXX XXXX XXXX. This is incorrect and needs to be corrected immediately. They have provided no information to support their reporting. 
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, MO. XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a late payment on my credit report for my mortgage with XXXX XXXX Mortgage in 2020. This payment was reported as late, but I was never late. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies are required to ensure the accuracy of the information they report. This inaccurate reporting is damaging to my credit standing and does not reflect the facts.
Product: Credit reporting or other personal consumer reports

I have sent off information to each agencies but they still are giving me the run around. Please help
Product: Debt collection

I became aware of a negative mark on my credit reporting profile when I interrogated it prior to an auto loan today. I then became aware that this debt is in collections ( XX/XX/XXXX ). 

I then reached out Credit Collection Services who told me they sent me two notices to my address in XXXX  ( which was >1 year old at that point, as I had relocated to XXXX XXXX ). The first two notices were XX/XX/XXXX and XX/XX/XXXX. They were sent to XXXX XXXX XXXX XXXX XXXX  XXXX. Apparently the XX/XX/XXXX letter, which I would not have received, was an " intent to report letter ''. They then sent me two more letters, neither of which were verifications of the debt but rather stated the balance owed ( from what I have been told by credit collection services, I never opened these nor do I recall seeing them ). These letters were reportedly sent to my correct address at XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX. I was called once XX/XX/XXXX and left no message to call back or a number at which to do so. I have not been called since that time. 

I was reported to credit agency XX/XX/XXXX by per Credit Collection Services. To my knowledge I have not received any communication from them since that time. They report a letter having been sent, which I do not remember, about a balance due. They have not called me. They deny having informed me of having reported this balance to a credit service agency. 

Additionally, I can not confirm that why I owe this money to XXXX XXXX. Every time I call Credit Collection Services I get redirected to XXXX XXXX. I called liberty mutual billing to figure out what I owed and they could not find the policy number. I reported this to credit collection services who then told me to call customer service. I again called liberty mutual customer services rather than billing. They would not discuss with me and directly transferred me to Credit Collection Services. 

I am aware of the policy. I had been previously living in XXXX ( where the policy was written ). The policy was then automatically renewed in XXXX despite the fact that I no longer lived there and I was not driving the vehicle and had chosen not to register it in XXXX XXXX. I called XXXX XXXX to cancel the policy and they continued to bill me. I then put a stop on my credit card. I subsequently insured the car in XXXX XXXX with XXXX in XXXX. 

It's unclear to me how I can be reported as having an unsettled debt to a credit agency for greater than 4 months without any attempt to contact me. They are also providing no way to effectively dispute this debt. XXXX XXXX incorrectly renewed a policy written in XXXX for a vehicle that was outside of Texas and not being driven. I have been offered no avenue for resolving this dispute by either company. 

I want the debt cancelled and the negative remark removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer as identified in the FDCPA under 1692a ( e ) an I have the right to privacy pursuant to 15 USC 1681a ( 4 ). This identity theft pursuant to 15 USC 1681 ( 3 ). I understand pursuant to 1681c ( 1 ) you have the authority to decline or rescind. This information I am presenting is requested in an affidavit of fact so there is no misrepresentation of the fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have provided All three credit reporting agencies with copies of my identity, police report and FTC report. I have requested for a fraudulent account to be removed from my credit report. The attached Credit Reporting agency has not complied with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Bank of America took more than 45 days to investigate my complaint. Also they did not fix the inaccuracies that was reported on my credit profile. The late payments on my credit report under Bank of America credit card is negatively affecting my financial health and ability to obtain financing.
Product: Mortgage

1.I live in XXXX County Oklahoma XXXX NEW REZ ACCOUNT NUMBER XXXX 2. in XXXX of XXXX The tax assessor accidentally sent the tax bill to my mortgage company for a parcel which is not part of the mortgage. I always pay that bill in full because that parcel is not mortgaged. 
3. In XXXX when the NEW REZ mortgage company reviewed my escrow payment they included that parcel ( WHICH IS ONLY {$130.00} PER YEAR ) 4 .They raised my monthly mortgage payment by over {$100.00} per month!!

No way can this be accurate even if they spread {$130.00} over 6 months.

Because I had that parcel for sale I did not immediately call them about this.

5.Th e land was listed for sale in XX/XX/XXXX and closed XX/XX/XXXX! 
6.I have tried for two months to get this payment corrected but have not received any personal call about it. Just ROBOTS ROBOTS ROBOTS!

7. They have not changed my mortgage payment!

ACCOUNT NUMBER XXXX
Product: Credit card

Fraudulent use of credit card. Charges to my card from XXXX. I called and brought the fraudulent charges to the attention of my bank. They credited me with XXXX of the XXXX charges. When I called to correct the situation and get questions answered, the supervisor refused to speak with me. My checking account was debited for more than {$3000.00} in fraudulent charges after I was assured that the charges would be removed. The bank is USAA, credit card is Master Card.
Product: Checking or savings account

Bank Of America is not complying with the Expedited Funds Availability Act of XX/XX/XXXX. They are placing a hold of 9 calendar days and as many as 6 or 7 business days of checks deposited with an amount over {$5000.00}. The account in question is in good standing and has never had any issues. Deposits of this type have previously not been subject to this type of hold. I have depositied many checks with similar of greater amounts from this same payer company with no issues or holds applied by BOA. Their mobile app stated at the time of deposit on the morning of XX/XX/XXXX that the funds would be available the next day and then a day later were place on hold until XX/XX/XXXX. Attempts to rectify this problem with the bank via their customer service line and at the BOA location on XXXX XXXX in XXXX XXXX, TX have been fruitless. 
Federal regulations state clearly that they should have already released all of these funds by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance : {$6600.00} U.S. DEPARTMENT OF EDUCATION XXXX XXXX. Balance : {$1600.00} U.S. DEPARTMENT OF EDUCATION XXXX XXXX. Balance : {$760.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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: Mortgage

My mortgage servicing company, Dovenmuehle, took over my loan after it was transferred. We have an escrow account that they are supposed to pay our homeowners insurance and taxes out of each year. We received a call from our insurance company that our policy was cancelled due to non-payment. We called Dovenmuehle and they informed us that they had only received the declarations page from the insurance on the XXXX of XX/XX/2019 and need at least 30 days to send a payment. They then promised they would overnight a payment to the insurance company to pay the outstanding bill. We called the insurance 3 business days later and they had not received a payment. At this time we paid the insurance annual premium out of our pocket. We immediately called Dovenmuehle and they informed us that they had intended to sell our mortgage last XXXX, but never did, so there was a payment hold placed on our escrow account so they cancelled the overnight payment and didnt call us. They then requested we email them the receipt of the payment we made on the insurance and they would refund us the money and that they would have the payment hold removed from our account. Three business days later we got a letter in the mail saying that they would be purchasing homeowners insurance for us because our policy lapsed and they didnt have proof of our insurance. We immediately called Dovenmuehle again and they informed us that the stop payment ticket had been closed and they didnt know why so the payment for our taxes next month might not go out either. They also informed us at first that they didnt have any proof of the insurance both our insurance company and we had provided. After asking them to look into it further, they determined they did have both the receipt of payment and the full declarations needed and would process our refund check as soon as the payment hold was removed, they could not provide a timeline for when this would occur. They also could not confirm they wouldnt charge us for the insurance they had purchased on our behalf. To date we have still not received a call as they indicated we would and we have not received a reimbursement check for the insurance.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

Your agency is in violation!

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

I requested a refund on my XXXX credit card of the value credited to my account due to a product refund. 

This was on XXXX. I was informed it would be XXXX  days. That was fine. It has now been almost XXXX. 

I contacted the company again and am informed that there is no record of my request and that I have to wait the XXXX days again. 

This is unacceptable, because I know that just like they can take money out of the connected account, they can also return to the account as part of the eft agreement.
Product: Debt collection

I have a collection on my XXXX credit report from Wakefield & Ass. I've written them XXXX times now with no response, each time I've included a notarized dispute letter, photocopies of my XXXX, social security card, current credit card statement, and bank statement. I'm attaching copies of the last XXXX dispute letters, the XXXX reports that provide the addresses to dispute the account at, and certified mail receipts. I also have a video showing me going through all the content of the dispute letter, then putting it into the envelope and handing it to the mail receiver at the XXXX XXXX XXXX.
Product: Credit card

I submitted a SCRA benefits claim, but they proceeded with the case as a Deployment SCRA benefit request. However, I am XXXX  in Louisiana and state law states that all interests will be under 6 % as long as you are XXXX XXXX.
Product: Debt collection

COLLECTION BUREAU OF AMERICA is reporting inaccurate information on my credit reports because I have no knowledge of this account. I have contacted the collection agency and the credit bureaus. I am requesting that the item be removed immediately to correct my information. 

I feel that it is not appropriate that I disputed the information and XXXX is stating that they received sufficient information, which has not been shared with me. Where is a contract showing that I opened an account with them? My signature or any personal information?
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX  has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

To whom it may concern, This account is reporting several inaccuracies. This account reported 120 days late on XXXX of XXXX then nothing in XXXX and then 150 days late, that is not possible. As stated previously the continuous inaccurate monthly reporting of charge offs beginning of XX/XX/XXXX to XXXX of XXXX, A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. This is not correct and also a violation of my rights. Because of this inaccurate information this account needs to be removed from my credit report due to not properly validating the information in which a company has passed on to you. Please delete immediately. When the requested above deletions are made, please email me an updated copy of my credit report. Account- XXXX XXXX account **** XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and found items that appear to be inaccurate. To prevent identity theft i provided the company with proof of my name, address, telephone number and employer, because there should only be one of each. They refuse to correct all inaccuracies
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I demand that these accounts are removed as they do not pertain to me.
Product: Credit reporting or other personal consumer reports

XXXX Credit Report : XXXXXXXX XXXX XXXXXXXX - Date of Inquiry XX/XX/XXXX - I do not recognize this inquiry. 

XXXX XXXX XXXXXXXX - Date of Inquiry XX/XX/XXXX - I do not recognize this inquiry. 

XXXXXXXX XXXX XXXXXXXX - Date of Inquiry XX/XX/XXXX - I do not recognize this inquiry. 

XXXXXXXX XXXX XXXX - Date of Inquiry XX/XX/XXXX - I do not recognize this inquiry. 

Transunion Credit Report : XXXXXXXX XXXX XXXX  - Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX - Date of Inquiry XX/XX/XXXX