23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 
Account # 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

Experian continue to report inaccurate and false information on my credit report with account XXXX. Experian has violated the Fair Credit Reporting Act by not deleting this inaccurate information after I have clearly point out the inaccurate information directly from the credit report. This is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, derogatory data appeared on my Experian Credit Bureau report. The trade line that was reported is Management Support. I advised Experian at the time, I had no idea who they were. Fast forward to present, the derogatory info still appears. I contacted Experian by phone, in part to complain I was never notified of the results of the XXXX dispute, after which I was advised that Experian was informed by Management Support, that their reporting was legitimate. I WAS NEVER INFORMED OF THIS! When speaking to the Experian rep, he advised they were representing XXXX. A ha - I fully know who XXXX is. It's an apartment rental community I lived in, back in 2017. Although I will provide you with detail - - the gist is, after living there for a few weeks, the apartment was infested with ants, and uninhabitable. I advised Experian of this in great detail. I attempted to submit compelling documentation electronically, however, the Experian website, had a technical difficulty in receiving it. Therefore, I proceeded to mail detailed to them in support of my case. The amount in question is {$2200.00}. As an aside, when contacting Experian again, the same day, a representative did not see a dispute lodged against Management Support. It was lodged against XXXX ( where I do not have a dispute ). The 2nd rep I spoke with rectified this on the bureau report. Hadn't I not called, a dispute would have been erroneously filed against XXXX. 
I'm writing to you in order to provide regulatory oversight and intercede to get this matter adjudicated.
Product: Mortgage

5/3 bank has been putting forced placed insurance on several of my loans- when they controlled the escrow- so I took over - the still put placed insurance. 
For 2 years they put a XXXX XXXX dollar policy instead of a XXXX they informed me a small typo. A price difference of approx {$20000.00} I could provide many pages They state the dont accept XXXX XXXX - each year when they get the code correct they accept it- it not XXXX XXXX - its XXXX- each year they accept it- they say since 2019 or any year they dont accept it - you can see Ive been refunded everytime except the last 2 years - Policy cam Address Loan # XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX I have 2 other mortgages- they havent had 1 error in same time period- over 20 years- with 5/3 Bank no matter who the insurance company is no matter if its escrow or not and they are paying it. I typically get insurance slammed on one or all the properties twice a year since over 20 years. 
Several times I had to pay the premiums to XXXX XXXX because his third refused to when it was as great. This was years ago. The premiums were doing in XXXX and it was XXXX and they had not been paid yet. 

I would wish the whole file would be made available- with all statements - payments made- escrow papers etc.
Product: Mortgage

I completed a refinanc e in  XX/XX/XXXX . This refin ance paid in full a loan I had wit h    XXXX   XXXX   XXXX   at  XXXX .  XXXX   XXXX ,  XXXX   XXXX   XXXX , CA  XXXX . Instrument number  XXXX  dated   XX/XX/XXXX  for  the amount of {$15000.00}. ln #  XXXX  date no satisfaction of lien or re-conveyance has been recorded to remove this lien from my title.   I have confirmed that  XXXX  acquired     XXXX   XXXX   XXXX   on   XX/XX/XXXX . Ac quired     XXXX   XXXX   XXXX  ,  XXXX   (   XXXX   ) i n  XXXX , DE.
Product: Checking or savings account

On XX/XX/2023, My checking account was restricted with Chase Bank. They said my account was being close and wishes to not have me as a customer, did not give any information beyond that. There was {$18000.00} in my joint checking account. 

I called every week, they told me 10 business days later they would over night a check of my funds. 

On XX/XX/2023. I called and a representative told me she did not see any funds being released. I escalated to a supervisor that did confirm the funds, but they were withdrawn to an internal chase account to their internal investigation bureau. I asked for contact information with this investigation bureau and was told there is not way to contact them and to just wait. Could not tell me how long to wait, and just wait.

Chase did not send me a letter in the mail, or contact me. I only found out my account was restricted when a friend tried to send me money through XXXX, that was when I discovered my account was restricted on XX/XX/XXXX.
Product: Checking or savings account

On XXXX XXXX, 2023, I received a response from XXXX XXXX ( senior specialist in Corporate Consumer Relations for Synchrony Bank ) stating that my savings accounts have been closed with Synchrony Bank as of XX/XX/year>. He stated that the funds in those accounts would be returned to the originating banks, or will be placed in a general ledger waiting reclamation of the funds from the originating banks. My originating banks were XXXX and XXXX XXXX XXXX XXXX 

XXXX XXXX  has informed me that no funds were recieved, as did XXXX. 

I have reached out to the contact information provided by XXXX XXXX by phone dozens of time since then, to no avail. I needed to contact XXXX XXXX to let him know that my originating bank account with XXXX was no longer open, as I had closed it to open my Syncrony Bank accounts in XXXX of 2023. I do, however, have a different account with XXXX, which is not the originating account ( as that has been closed ), however, it is my other account with the same originating bank. My XXXX bank account is still currently being used. He has not responsed to my calls or voicemails a single time. 

Currently, Syncrhony Bank possesses {$45000.00} of money that is owed to me upon closure of my XXXX Savings accounts with them. I reached out to Synchrony Bank customer service several times, and I was informed by them that they have no way of updating account deposit information for me to recieve the money, as they can not contact their back office, and asked me to follow up with XXXX. They informed me that a deposit was attempted by Synchrony Bank in the amount of {$45000.00}, though they could not send me proof of such a deposit for XXXX to attempt to trace that ACH deposit. 

XXXX representatives have been working with me diligently since XX/XX/year>, but have not been able to recieve a response from Synchrony Bank back office when trying to request/reclaim the funds on my behalf. They were unable to locate a transfer made by Synchrony bank in the amount of {$45000.00} as claimed by Synchrony Bank after their own investigation and attempts to reach out to Synchrony Bank 's back office. Thus, XXXX has requested I follow up with Synchrony Bank to request for the funds to be deposited into my current account with XXXX, which Synchrony Bank has said they are unable to do, as the back office can not be reached. 

As of right now, despite my XXXX accounts with Synchrony Bank being closed for close to seven months since XXXX XXXX- I have no access to my funds totaling {$45000.00}, which I would like to have deposited in my current XXXX account.
Product: Debt collection

United Collections Bureau , Inc. reported an account that I have been paying on for several years against my credit report and my score dropped XXXX points. I had XXXX accounts with them and I have successfully paid off 2 in the past year. I am working on this last account/XXXX XXXX ( XXXX ) and pay monthly. They reported me derrogatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. Upon checking my credit, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security NumberXXXXXXXX XXXX XXXX XXXX XXXXXXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraudulent.
Product: Debt collection

XXXX KEEPS TRYING TO COect money for an account I never signed a contract for or a property address I have no affiliation to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX is not mine and I never have anyone authority to sign for me I asked XXXX for copies of the contract they denied me And my address at XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX charged me 1 year after I was out of contract I emailed them over and over telling them to stop billing me and my service contract needed and I did not want to remark
Product: Credit card or prepaid card

I have been waiting for over a month for a credit to be returned to my card. I have called and spent hours on hold just to keep being transferred in circles when i clearly communicated what needed to be done. There were several times i was told i would receive a call back and did not get one as well as several times they told me they were putting a request in and the funds should be back on my account in a matter of days and as of today i have yet to be refunded. As a single individual with XXXX children STILL in the middle of a pandemic and taking care of inflating grocery, gas and rent prices this is very much unacceptable. This problem started XX/XX/2022 and as of XX/XX/2022 it has NOT been rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I a ( 120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a late reporting on an account that has a {$0.00} balance. This false reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX : account # XXXX XXXX : account # XXXX XXXX  XXXX : account # XXXX XXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXXXXXX XXXX XXXX  No-accounts # XXXX XXXX XXXX XXXX XXXX  : account # XXXX XXXX XXXX XXXX : account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX : account # XXXX EXPERIAN has unauthorized information that remains on my credit file. I would like to file my CFPB complaint formally.

I am writing to provide notice of these unauthorized accounts on my credit report. I have no knowledge of these accounts as they are not mine. I have been a victim of identity theft. Please remove these inaccurate unauthorized accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media I've been seeing about several hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus. I filed a police report to notify authorities. So far no actions have been taken by any of the credit bureaus.

Below are fraudulently unauthorized inquiries on my report : Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX   Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Below are the Company, Account #, Dates opened, and balances for the inaccuracies reporting on my credit report : Company : XXXX XXXX Account # : XXXX  Date Open : XX/XX/XXXX Balance : {$390.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$3900.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX   Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$6200.00} Company : XXXX Account # :XXXX Date Open : UNKNOWN Balance : {$100000.00} Company : XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX/XXXX/XXXX XXXX XXXX Account # :XXXX   Date Open : XX/XX/XXXX Balance : {$370.00} Company : XXXX/XXXX XXXX Account # :XXXX  Date Open : unkown Balance : unknown
Product: Debt collection

they violated my rights pursuant to 1692 ( D ) ( 1 ) any bad debt furnished on my report is ruining my reputation and a defamation to my character they also violated my rights to privacy pursuant to 1681 ( a ) ( 4 )
Product: Credit reporting or other personal consumer reports

I just had someone else open a new account with their credit report showing of XXXX which is really weird and considering my credit report is nowhere near that because XXXX sent me a notification showing that there was a new account created which I never created another a new account.
Product: Mortgage

I applied for a mortage with Bank of America the last week of XXXX, after speaking with XXXX XXXX XXXX XXXX XXXX. After applying she told me she would get back with me the next week and if she didn't, to leave her a voicemail. I left her a voicemail, the next week, and she never returned my call. XX/XX/2021 I made a formal complaint to Bank of America because they ran my credit, without giving me a determination. To this date, since XXXX, I have not received a determination from bank of america and I am qualified. I was even reassigned to another employee named XXXX, and she spoke with me once on XX/XX/2021 and she has never moved my application forward. No manager has reached out to me. XXXX XXXX XXXX stated that I am the only customer having this experience. 

I believe I was discriminated against because I am an XXXX XXXX XXXX first time homebuyer. XXXX XXXX XXXX stated that I am the only customer experiencing this. I am a qualified homebuyer who has been a XXXX XXXX for over 8 years, there is no reason why I have not been given a determination since XXXX. I even provided all the needed documentation.
Product: Credit reporting or other personal consumer reports

Hello, I have several credit inquiries on my account that I do not recognize and I want them removed EXPERIAN BUSINESS CREDIT Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been unable to manage my security freeze on Equifaxs website for over a month. I get the error, We are temporarily unable to retrieve the status of your security freeze. The only way to manage the freeze is to call and wait on hold, sometimes for hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 6 months, my husband and I have been getting " serious delinquencies '' reported to our credit card companies from the credit reporting agencies which is totally inaccurate and wrong. When we ran our credit reports with XXXX they show absolutely no delinquencies in our accounts ( as it should be ) and have never been delinquent with any of our accounts in over 21 years. When we contacted all three credit agencies, they told us that their records show no delinquencies and no problems and to contact the credit card companies directly to get it cleared up. But when we call the credit card companies, they tell us that the information they have is being supplied by the credit reporting agencies and there is nothing they can do about it. We have been in a vicious cycle between the two groups and no one has been able to help us. Every month I have been hoping that the information gets cleared up but it is still being reported as delinquent for some reason. Somebody somewhere is reporting this and it is erroneous information that is affecting our credit scores. Please help us get this rectified. The credit card companies are XXXX XXXX XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request to follow up with you 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 listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights.15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

some XXXX use my in formation to get a phone with XXXX it was not me .and now they are calling me at my home and work place
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Attorney general XXXX / XXXX # XXXX XXXX XXXX XXXX XXXX Texas XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized inquiry that has appeared on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681n and 15 U.S. Code 1681 ( Section 602 ), I am entitled to protection against any unauthorized use of my personal information, including inquiries into my credit report without my explicit permission. 

The following inquiry was made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry, and I have not applied for any credit with this entity. Therefore, it is a violation of my rights under the FCRA. I demand that this inquiry be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
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