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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, 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: Debt collection

I noticed several unauthorized accounts on my credit report and request their immediate removal.
Product: Credit reporting or other personal consumer reports

I appreciate the effort taken to address the removal of certain fraudulent items from my file, stemming from an alleged identity theft. However, there are still remaining items that require removal from my credit reports. As a victim of identity theft, this serves as another request to eliminate these outstanding items from my credit file, attributed to alleged identity theft. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to remove any such items not later than 4 business days after XX/XX/XXXX. Despite the passage of several months, only a few items have been removed. I have previously raised this issue in my initial complaint, and I am reiterating it now, along with my new FTC Report XXXX XXXX Additionally, the information provided on these items is UNKNOWN to me, and it has been REMOVED from other bureaus, raising doubts about their accuracy. Below are the specific items identified for removal per bureau : -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to file a complaint regarding the inaccurate reporting of bankruptcy information on my credit report. The issue pertains to a bankruptcy entry listed under reference number XXXX, which was reported by Equifax. 

I have disputed the accuracy of this bankruptcy entry with Equifax and requested detailed documentation on how the information was verified. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], credit reporting agencies are required to investigate and provide verification of disputed information. However, the U.S. Bankruptcy Court in XXXX, which is the original source for bankruptcy data, does not provide such data to third parties, as confirmed by the attached letter from the court. 

Under Section 605 ( b ) of the FCRA [ 15 U.S.C. 1681c ( b ) ], bankruptcy information must be verified through the original source, which in this case is the court or an authorized entity related to the court. If Equifax did not obtain verification directly from the court, the information should be considered inaccurate and removed from my credit report. Furthermore, Section 611 ( a ) ( 5 ) ( A ) of the FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] mandates that unverifiable information must be deleted from the consumers credit report.

Despite my efforts to resolve this issue directly with Equifax, I have not received satisfactory documentation or confirmation that the bankruptcy information was verified through the proper channels. I am seeking your assistance to ensure this matter is addressed and that my credit report is corrected in compliance with the FCRA.
Product: Checking or savings account

On XX/XX/18, around XXXX Eastern, I deposited a check in the amount of {$250.00} into my Ally bank checking account. Because of an overdraft issue in the past, the hold for a new deposit into my checking account lasts for five days. Previously, in correspondence with the bank, I was told the way to avoid this in the future would be to deposit the check into my savings account, which was not subject to that hold, and simply move the money into my checking. This is what I planned to do with this check, but simply made a clerical error in the deposit. As such, I called the bank to correct this error and move the check into the other account, where the hold would not apply. 

Calling at XXXX Eastern, I first talked with an associate and then a supervisor who informed me that the deposit had already been approved for the checking account and could not be moved. Both told me, in identical language, that Ally would be restricted from releasing the hold by federal law. I believe this is a lie and a gross representation of the Expedited Funds Availability Act, which simply *allows* Ally to place an extended hold because of prior overdrafts, but certainly does not mandate it. The supervisor told me to all back in the morning, and progress might be made once the check could be seen in the system. 

I called again at XXXX Eastern. Talking with an associate, I was told that there was no one, at any level of the bank, who would have the power to release the hold. I explained again that this was a simple clerical error, that if the check had been deposited into my other account, the funds would have already been made available. He repeated his claim that no one at the bank has the ability to release it. I again escalated the call to a supervisor, who repeated the lie that Ally could not release the hold without violating Federal law. She refused to fix the issue and multiple times denied that there was any way to escalate a claim beyond her. After minutes of probing, I was finally told that the claim could be escalated to an executive resolution team and I requested that be done. This process can take up to three business days, at which point the issue may very well be moot, as funds will be available the next day. 

The inability to access these funds is the difference between eating and not, and being evicted or not. Also, an automated payment has now hit the account, and I have been informed by Ally that I am once again in overdraft, despite the fact that the {$250.00} sits in my account approved but " unavailable ''.
Product: Checking or savings account

On XX/XX/XXXX, I checked my bank account as i normally do every other day, and i noticed that had a a fraudulent transaction. Someone in California hacked my debit card and make 3 purchases of {$3000.00} each. I called immediately to my bank to make a claim and dispute the charges. In the process, one of the customers services representative explained to me, that because it was a big significant amount, 2 of the 3 transaction was not going to go through. And that they were making a claim for only {$3000.00} out of the {$9000.00}. When i made the claim, the bank issued me a new debit card, they gave me a new user name and password for my bank mobile app, and they also ask me for a secret password in case something like this happened again, they could verify my identity. In result of this situation, I also called all the creditors unions, such as XXXX, XXXX, XXXX to request a security alert. Two weeks after the incident, on XX/XX/XXXX, when i checked my bank account once more, I noticed that Bank of America did charge the {$6000.00} that they said were not going through on the weeks prior. I called again to my financial institute to dispute the charges that I originally try to dispute on XX/XX/XXXX. When I reached out to them after waiting their 10 days of verification and processing, another representative told me that the money was going back to my account on XX/XX/XXXX. On XX/XX/XXXX, i called to check the status of the money once again, and this time another associate told me that BANK OF AMERICA has denied my dispute due an insufficient urgency from part. That same day I went to the closest branch around my neighborhood. In person and with a help of the branch manager, I made a written complain, explaining the situation above. This complaint was fax to the Bank of America debit card operation. And even though they promised to expedite my case file, still today they have not giving me a clear respond about my money. Its been over a month and so since this unfortunate event, i have been call bank of america at least 60 time these past weeks, and I have been told from their customers services departments many different outcomes. I do not understand what they meant about me not having an urgency regarding the situation, when i followed all the steps they asked me to. I have evidence of my calls, of the bank sending me plenty of secure codes and emails from their part advising what to do in cases like this. Its evident that I did have an urgency since day one.
Product: Credit card

I have never received my merit card that I was supposed to get tht I was approved for because I keep getting email saying I am approved
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint and i'm sending tis because i'm victim of XXXX XXXX. I'm sending this complaint because I have received phone call from my banker and he notified me that they received a few application for credit lines on my name, they called me to verify if it was me. I declined these applications and confirmed that I didn't apply for anything, any loan or cards. I been advised to check my credit report because I haven't done that for a while, so, I obtained my credit report and noticed several hard inquires on my report from Transunion that I never authorized. I was shocked. So I have filed FTC Report and I have included in this package. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I'm representing myself by myself and I do not involved any third party for this matter. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. Here are the name of these 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 Please remove these fraudulent items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a victim of identity theft and did not authorize these changes to my credit report. I am writing to delete the following information off of my credit report.
Product: Credit reporting

I pulled my credit XX/XX/XXXX, I noticed that I had inquires that I did not authorized at all. I have called, fax and sent certified letters as well to Experian and have gotten nowhere with them. I have agreed to put fraud alert on my credit, they still give me the run around. They just do n't care about anything, I told them my credit means everything to me and I want those inquires removed. They told me they will not remove them. I need your help because I value my credit and need it to survive because everything in life is credit driven. I just re- pulled my reports today and nothing has changed on my credit reports. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good Morning, I was enrolled in the Experian XXXX programme a few months ago with the promise that it would improve my credit scores by reporting my utility payments monthly. Before then, I recently applied for a mortgage loan. When my report was generated, it showed a {$750.00} Utility Self-Reported Loan, which I could not explain, and my loan request was denied. ( see attached below ) I have cancelled this subscription immediately and also reported it to the FTC. I hereby request compensation for this anomaly that has led to me missing a mortgage opportunity. I never requested a loan, and I wonder why this service, which you offered, has worked against my chances of getting one.
Product: Payday loan, title loan, personal loan, or advance loan

XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX Hawaii XXXX XXXX XXXX. Closed their business without any notification to customers. Calls, text, emails went answered. Drove to their office, everything gone. 

Our solar system has never operated fully. Called XXXX to report System Errors. Technician would come and service our system. Calls would be placed continuesly. Electric bill increasing. 

When we found out the business closed. Immediately called SunNova Solar Finance @ XXXX. Explained our situation. XXXX XXXXXXXX XXXX XXXXXXXX XXXX closed their doors, out of business, didn't notify customers. Solar System not working properly, electric bill increasing. 

In addition, monthly leasing fee has gone up. From {$300.00} to {$400.00} with additional tax and service fees ranging from {$290.00} - {$35.00} - {$17.00}. We started monthly payments to SunNova on XX/XX/2022. 

SunNova Customer Service advised they would look into having another solar company come out to service the system errors. To date nothing has happened. The solar panels and system are fairly new. No help with the monthly payments. 

We researched the warranties with XXXX. Next available appointment with a technician is in XXXX. With the understanding a service call involves fees. They didn't install the system. 

We were better OFF without solar. We are XXXX on a limited budget. We can't afford solar. 

Goal is to cancel solar contract, remove non-operational solar system. 

Information online is overwhelming and confusing. 

Looking forward to hearing back from you.
Product: Credit reporting or other personal consumer reports

Unverified and inaccurate reportings are showing on my credit profile for accounts that I have no knowledge of and has requested that the proper documents showing valid proof of the best belongs to me and all the companies has failed to do so.
Product: Debt collection

I have had my car for about three years, my car has had many issues since I purchased the car ( XXXX XXXX XXXX ), IVE NEVER MISSED A PAYMENT, BUT I HAVE BEEN COMING OUT OF POCKET FOR MAJOR ISSUES, LIKE MY ECP CONTROL CURRENTLY, BUT IT WAS FIRST MY ELECTRONIC FUEL PUMP WHICH WAS ROUGHLY XXXX DOLLARS, BUT BEFORE THAT MY CAR WAS STOLEN N TY HEY WOULD NOT HELP ME AT ALL, I CAME OUT OF POCKET FOR THE ENTIRE FIASCO, THEY ONLY GSVE ME ONE KEY SO I HAD TO PURCHASE A NEW ONE WHICH WAS ABOUT XXXX, N THEY HUNG UP ON ME, MANU TIMES DIDNT RETURN MY PHONE CALLS, N NOW I WAS LIED TO ABOUT DEFERRING MY LAST PAYMENT, TO Try N FIX MY CAR ITS BEEN A NOGHTMARE NOW IM OUT OF TRANSPORTATION AN ON THE VERGE OF HSVING A REPO I NEED HELP N ITS RUINING MY LIFE
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed dispute letter to TransUnion regarding unauthorized inquiries in my files. Moreover, filed dispute with furnishers of the disputed inquiries. Have not heard back from TransUnion or the furnishers of the disputed inquiries.
Product: Mortgage

I am writing the CFPB again regarding Shell Point Mortgage and their constant practice of falsely claiming that there is insufficient Flood insurance on my property and then placing their Lenders placed insurance on my account. When Shellpoint is contacted about these practices, Shellpoint continues to claim this is an error, but this is a pattern spanning several years. This is fraud! and the CFPB needs to put a stop to this. 
i have been vigilant in monitoring these practices by Shellpoint and its not an error its deliberate, its harrassment and its descrimination! and an attempt to defraud! customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my Credit Report I Reached out to the credit bureau to open an investigation on the verification of accuracy and consistency of information on my credit report. The Credit Bureau came back with the result as being verified and accurate, and after doing more in depth research i found the information to be improper and inaccurate after the credit bureau stated they have already conducted their investigation In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX - XXXX XXXX XXXX XXXX30 Days 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Transunion, After carefully reviewing my credit report, I cant understand why all of this unauthorized inquires & account that are reporting on my credit report. Please remove all and delete. 

1. Inquires : XXXX XXXX XXXX  : DATE : XX/XX/2023 Delete inaccurate inquiry which I didnt give permission. 
XXXXXXXX XXXX XXXX : XXXX Delete inaccurate inquiry which I didnt give permission. 
XXXX XXXX XXXX XXXXXXXX Delete inaccurate inquiry which I didnt give permission. 
XXXX XXXX XXXX XXXX XXXXXXXX Delete inaccurate inquiry which I didnt give permission. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Delete inaccurate inquiry which I didnt give permission. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Delete inaccurate inquiry which I didnt give permission. 


2. Account : XXXX XXXX # XXXX - Delete inaccurate information which is not my account. 
XXXX XXXXXXXX # XXXX Delete inaccurate inquiry which I didnt give permission. 

XXXX XXXX XXXX XXXX XXXX Delete inaccurate inquiry which I didnt give permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account
Product: Credit reporting

Equifax is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, the company opened a collection XXXX XXXX XXXX. I have never signed a written document saying I owe the collector this debt. They are violating my rights of the FCRA as a consumer. I do not know who they are and have no written consent. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from the credit report
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The collection agency Arstrat contacted my work without my permission to try to pressure me to make a payment. As stated before, I did not give the agency permission to attempt to reach me at my place of work. I believe this is in direct violation of my rights under applicable consumer protection laws.