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

**Complaint Message : ** Dear CFPB Team, I am submitting this complaint to address unauthorized hard inquiries that appear on my credit report. These inquiries were made by a motorcycle dealer without my explicit consent or authorization. The details of the hard inquiries are as follows : XXXX. **XXXX  XXXX XXXX XXXX XXXX XXXX  ) ** - XX/XX/year> XXXX. XXXX XXXX XXXX ( XXXX  ) ** - XX/XX/year> XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I visited the dealerships website but I did not authorize these multiple hard inquiries on my credit profile. These actions have negatively impacted my credit score, and I consider this a misuse of my information.
Product: Debt collection

1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an collection account ) and negatively affecting me. 2. I would like this debt to be removed from my profile as it 's reporting to the Credit Bureaus and negatively affecting me
Product: Credit reporting

I have been having the same issue with these company I have tried to refinance my home and each time they report the inquiry incorrectly they are required to report them as XXXX as long as they all fall within the one month time frame, there should be no more than XXXX inquiries on my report. Transunion has placed information on my report that has alredy been disputed and corrected there should be not missed or late payments on my trans union report ( XXXX ). 

Incorrect information on my credit report Account termsCreditor name/info, balance, payment, etc. 
Account statusPaid bill on time, account closed, etc. 
Reinserted previously deleted informatio
Product: Debt collection

I was notified recently i was being sued for a debt that i do not owe. The debt was origination is from Capital One and was fraudulently opened. The collection company suing me is XXXX XXXX XXXX. 

The original creditor was informed early 2020 that the account was opened fraudulently and should be removed from my credit report. After months of back and forth the creditor agreed to remove the account from my credit report and absolve me of liability. 

I strongly believe XXXX XXXX XXXX and Capital One are attempting to scare me into paying the debt with this small claims suite . They are practicing predatory and illegal debt collection techniques. This should be investigated by the CFPB and appropriate action 's should be taken.
Product: Debt collection

My student loan was deferred but even making minimum payments at the end of the year with penalties and interest charged I was going nowhere. I was contacted by XXXX XXXX XXXX and advised them at the time I could not make payment arrangements. After filing my tax return I received a letter from the IRS that my refund would be deducting my student loan amount owed. So I received less in my federal tax return. Maybe a month or so after that I got a call from XXXX XXXX XXXX stating I owed XXXX I explained that the IRS had just kept my return and how could I owe more money and the representative stated they never take the full amount after the conversation I received a letter stating my pay is in review for garnishment. Now I scared because I dont know whats true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute 3 accounts on my credit report for fraudulent activity and my dispute has been denied even though I have submitted a police report to the during the dispute stating that my credit cards were stolen and charged before I could cancel them. It is for American Express and XXXX XXXX. The third one was for a loan taken out in my name that was also fraudulent.
Product: Credit reporting or other personal consumer reports

I see that XXXX, Equifax, and XXXX are reporting some Inquiries on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that many Inquiries are on my reports even when it shouldn't have been to begin with considering I never gave permission nor written consent to report this on my credit reports. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX, XXXX, and Equifax are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax, and XXXX are not maintaining reasonable procedures.
Product: Mortgage

I purchased my home, as a married woman in 1975 for {$36000.00}. Due to divorce, my home went into foreclosure. I sought help, as a single woman with XXXX very young children. As of today, I now owe {$100000.00} plus a balloon payment of {$70000.00} on this house. Various and numerous, loan selling schemes caused my home to go back into foreclosure about 10 years ago. This included XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and now SPS. I am now nearly XXXX, XXXX and on social security XXXX. I'm in an adjustable mortgage modification. Lost and confused. Who can help me XXXX the players in this disaster? I know XXXX was fined, XXXX fined, XXXX XXXX and XXXX XXXX had license revoked, SPS has been deceptive in information related to modification.
Product: Debt collection

NCB management will not harassing me. I sent them a Cease and desist certified mail which they received on XX/XX/2021. They keep sending me invoices for an alleged debt they dont even have the authority to collect on. My credit shows XXXX as the owner of this alleged debt. I have asked numerous times for them to stop contacting me and sending me items that dont even qualify as debt validation
Product: Checking or savings account

At XXXX XXXX  on XX/XX/2019, the PLAINTIFF, aka XXXX XXXX, had {$1900.00} available for withdrawal in checking account number XXXX At the close of business on XX/XX/2019, the PLAINTIFF still had {$2500.00} available for withdrawal. On XX/XX/2019, PNC misrepresented the balance of PLAINTIFF 's available funds to charge an unwarranted fee of {$36.00}, therefore, causing the PLAINTIFF 's said checking account to be overdrawn.
Product: Checking or savings account

Took XXXX to the XXXX XXXX XXXX atm to do a cash deposit. The atm took the money and then said their was an error returning the funds and printed a receipt that said that. The XXXX XXXX XXXX atm was on XXXX XXXX ATM number XXXX Date XX/XX/19 Time XXXX Called the bank and they said that the atm doesnt show an error but I have the receipt that says it had an error. Said they would attempt to investigate it.

Said they could only do a previsanial credit while they looked into it. But I was advised to make a complaint about the atm
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX BANCO POPULAR , PU this is identity theft and I reported it as such. 
someone used my information to obtain a loan and the loan company has not removed this from my credit report. I filed a police report and reported info to the ftc. 
Highest balance {$7000.00} Monthly payment {$160.00} Opened XX/XX/2021 ( 8 mos )
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy was dismissed  XX/XX/XXXX  and still has not been removed. ( Was originally filed XX/XX/XXXX  ).
Judgment was satisfied Supreme Court State of N.Y  XX/XX/XXXX  and still has not been removed.
Product: Money transfer, virtual currency, or money service

XXXX XXXX placed a temporary hold on your Cash App XXXX for {$23.00} on XX/XX/XXXX at XXXX XXXX, and the payment is still pending. 

This hold should drop off by end of day XX/XX/XXXX, XXXX XXXX  if not completed. We are unable to expedite cancellation, but you are welcome to reach out to the merchant directly. 


If the merchant is not able to resolve this issue on their end, we can investigate further if the transaction is still pending after 30 days. 


If the funds are released by the merchant, they will be added to your balance.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXXXXXX XXXX  acount # XXXX opened on XX/XX/year> reporting a balance of {$26000.00} This inaccurate inconsistent fraudulent account is reporting to XXXX XXXX and equifax and is negatively affecting me to obtain a new car loan.according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.I have disputed this account with all 3 credit reporting agency 's and they are reporting incorrect inconsistent incomplete fraudulent information and is violating my federally protected rights under 15u.s.c1681c-2 i demand within 4 business days to block/delete this account.I have filed an FTC report # XXXX as proof I did not open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit report. Despite multiple attempts to dispute and remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. I would like to provide a brief overview of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. I promptly reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. 
Subsequently, I have made several attempts to dispute these fraudulent items by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these fraudulent accounts to resolve the issue. Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected timely resolution and accurate reporting of my credit history. I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraud on credit reports. I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOLATIONS : NOT MINE : SEE ATTACHMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family
Product: Debt collection

I have sent two cease and desist letters to NCB MANAGEMENT SERVICES to their mailing address on file back on XX/XX/2022, via email to XXXX on XX/XX/2022 then via email a second time on XX/XX/2022 when the harassing phone calls did not stop. 
I have attached the cease and desist letter to this complaint as well as a screenshot of the numbers NCB MANAGEMENT SERVICES has called harassing me from I have made multiple attempts to resolve my debt with rise credit however was unsuccessful. I did not receive any Mail notification or options to mitigate with NCB MANAGEMENT SERVICES, they have continuously harassed me. 

The Fair Credit Extension Uniformity Act encompasses the federal debt collection statute, the Fair Debt Collection Practices Act, and provides certain important restrictions on the conduct of debt collectors.

Unless they have your prior consent or the express permission of a court, debt collectors and creditors may not communicate with you : At unusual times and places Before XXXX XXXX. or after XXXX XXXX 
Via telephone conversation more than once per week concerning a particular debt Using a specific method of communication ( e.g., phone calls or texts ) after you have requested that they stop communicating with you via that particular method At work, if they know your employer disapproves of such contacts When they know you are represented by an attorney
Product: Credit reporting or other personal consumer reports

After a review, I found billing mistakes in my credit report with late payments that seem out of place. Please correct these errors and update my account.
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. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  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 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: Debt collection

The company Rash Curtis & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX are reporting two medical debts on my credit reports they opened in 2012. I live in Texas. I have sent certified mail to them requesting validation of debt and proof of surety bond in Texas. They did not respond in the 30 days and they do not have a surety bond to collect or report debt in the State of Texas per Texas Finance Code 392. According to the Texas Secretary of State website debt collector search they do not hold a bond and are illegally reporting and collecting debt in this state.
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 C ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following information or any other adverse items 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 report agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Mortgage

I applied for a refinance with Citibank on XX/XX/2020 and my loan was approved on XX/XX/2020. It is now XXXX and my loan officer claims my application is still in underwriting, with no ability to confirm when the closing will take place. My credit has been pulled twice at this point because the first credit check expired, so now this excessively long process is harming my credit score. I've also lost months and months of time waiting for the refinance, in which I could have been saving money on interest with my new interest rate. However, having already paid all the application fees I am stuck waiting for Citi to process my application. I was told 4 weeks ago over email that the closing should be " any day now '' and since then have received no reply to two inquires to the loan officer. Citi should be compensating me for the nearly 6 months in which I could have been saving interest on my loan.
Product: Mortgage

XX/XX/XXXX I purchased a home with XXXX XXXX for XXXX and was sold out to US Bank in XXXX! My home was severely damaged by a storm in XXXX of XXXX. I filed an insurance claim with my insurance company, XXXX XXXX. I received 2 checks for the damage to my home and they were both made out to me, US Bank and another company. US Bank instructed me to sign the checks in the amounts of XXXX and XXXX and send to them and they would send it back so I could repair my home! It has now been 1 year and 5 months and I have not received anything to fix my home and they are saying they never received the check in the amount of XXXX! My home has severe water damage and the roof is falling in and we have mold throughout the home! I stopped paying for my home because we were in a daily battle over letting me fix my home and they put my home up for sale so I had to contact a lawyer in order to keep my home! I have called in a licensed contractor to give me a new estimate on the damage to my home and he stated this home is a total loss! He stated the rafters and decking of the home are severely water damaged and the home should not be lived in due to the amount of mold in the home! I have lived in this home for 12 years and 2 months and I only paid XXXX for the home and as of today US Bank states I owe XXXX! I have contacted everyone possible for help in this matter! Please help!!!!!
Product: Debt collection

I have been receiving emails from a company called True Accord stating I owe a debt and need to pay it. The emails started XX/XX/19.
Product: Debt collection

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Debt collection

I was reviewing my credit report and saw that there was an account referred to a collection agency, which I had never seen before a letter to the consumer adjustment company requesting original contracts signature from net credit.