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

Equifax credit bureau : I wanted to submit a complaint about hard inquiries that have been made to my account without my knowledge. I had no knowledge about these hard inquiries and they are a result of identity theft and I am requesting for them to removed no later than XXXX business days per 15 U.S. Code 1681c2. I will attach a list of the hard inquiries needed to be removed as some are linked to open accounts not all are meant to be removed. The list of the hard inquiries needed to be removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX credit bureau : I wanted to submit a complaint about hard inquiries that have been made to my account without my knowledge. I had no knowledge about these hard inquiries and they are a result of identity theft and I am requesting for them to removed no later than XXXX business days per 15 U.S. Code 1681c2. I will attach a list of the hard inquiries needed to be removed as some are linked to open accounts not all are meant to be removed. The list of the hard inquiries needed to be removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When pulling my credit report through XXXX there is a judgement in my name at the XXXX County Superior Court 2 for XXXX XXXX XXXX XXXX. I have contacted the XXXX County Superior Court and Clerks office about this judgement. They sent my copies. I do not see this judgement as well as the XXXX County court. It is not in their records. 
I have contacted XXXX XXXX XXXX XXXX and they stated that the account was closed. 
I am disputing this because the judgement is keeping me from proceeding with my line of credit. My credit counselor has advised me to take care of my judgements in order to help my credit score. I have taken care of everything but this account is incorrect. 
Please help me to get to the bottom of this.
Product: Checking or savings account

my phone, debit card wallet where stolen and transactions where mnade on my account i did not authorize on XX/XX/year>. i filed a dispute for two transactions one for {$1000.00} and the other for {$1700.00}. i was given credit for the $ XXXX transaction but i was denied the {$1700.00} and was told it got denied because a text was sent to my phone authorizing the {$1700.00} charge. when i filed the dispute on the phone with the representive i informed him that my phone was stolen along with my card. he did not record this information on my dispute therfore they did not know that i wasnt in possesion of my phone when the disputed transaction was authorized.
Product: Credit reporting or other personal consumer reports

In 2023, my Social Security card, ID, birth certificate, and passport were stolen from my home. I have been in the process of repairing and building my credit in order to hopefully buy a house soon for my family. I also want to keep good relationships with my creditors. Upon reviewing my credit reports, I noticed there were names and addresses reported incorrectly, as well as accounts and inquiries for things I did not apply for or receive any product for. My name is reported incorrectly. There are several addresses that do not belong to me on my credit report. There are inquiries from XXXX, XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX in XX/XX/year> XXXX  XXXXXXXX XXXX XXXX in XX/XX/year>. XXXX XXXX XXXX XXXX, XX/XX/year> XXXX XXXX XXXX in XX/XX/year>. XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX, XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX card XX/XX/year> and XXXX  XXXX XX/XX/year>. According to XXXX my information has been breached over XXXX times on the dark web, I have filed a Police report with the XXXX XXXX police department. I have already taken steps by contacting XXXX, Trans Union, and XXXX by letter. I really want to get this resolved as quickly as possible. This has been very stressful for me and I will just like to move forward with my life. Please contact me if you have any questions or concerns. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted all three major credit bureaus because I am a victim of Identity theft. I included 3-police reports, and ID Theft affidavit as well as information regarding the accounts. XXXX  and XXXX  updated my accounts and removed XXXX XXXX XXXX XXXX from my report. Equifax refused to do so and said the account has been investigated, dispute XXXX. On XX/XX/XXXX, I send another letter via fax requesting information for how the matter was investigated, who did they speak too per the FCRA. As of now they are in violation of the FCRA 168i and I would like to start the process of getting information for my lawsuit against the company. They responded back to me via email saying the dispute has been resolved. I have attached my other credit files showing the information has been deleted. I am requesting the name of the individuals they verified this information as well as their address and phone number so that I can follow up. XXXX XXXX XXXX for {$4700.00} is a fraudulent account and a XXXX  XXXX Representative XXXX XXXX, ID XXXX stated to me that they have corrected this information with the Credit bureaus and Equfax is refusing to update their information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got out of an XXXX relationship after living in a XXXX XXXX XXXX XXXX for quite some time. In hopes of restarting a new chapter for myself and my kids, I started reviewing my credit report about 4 months ago, in anticipation of making a home purchase. However I noticed negative, inaccurate and derogatory reporting by the credit bureau. I contacted them in writing and on the phone to ask that my information be corrected and completed. The company responded by jumbling up my information - reporting misspelled versions of my name and publishing addresses which I have no association. I attempted to contact them several other times in order to get the information corrected however, their response would always be the same. I checked my credit report as recently as today with the same incorrect information being reported. My information is of a sensitive nature and should not be shared with my abuser. 

At this point, I am seeking intervention to stop the credit bureau from violating the law. Please let me know how I should proceed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to correct this numerous of times XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX XXXX XXXX And Experian said that my disputes for verified and 100 % accurate XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section2 it also states consumer reporting agency can not furnish account without written instructions 15 USC 1681 section 603 ( 3 E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. My rights has been violated and I demand that these accounts be remove immediately its been over 3 months with no evidence of the procedure of this investigation
Product: Checking or savings account

I'm afraid my complaint with reference XXXX did not receive an appropriate remedy : The company has requested me to have the Declaration of Lost Cashiers Check notarized. However, I have since moved to XXXX, and have no trips planned to the US. Thus, the company 's remedy imposes a financial burden that is not acceptable. 

I have received the Declaration of Lost Cashiers Check form at my address on file, who is attended to by an agent of the utmost confidence. In fact, I have received many pieces of mail, including checks, at this address. However, the Chase bank checks never arrived to my own address when I lived in the US,  nor to the current address on file. 

Since I now live in XXXX, please advise on appropriate the course of action. 

Thank you.
Product: Mortgage

We sold our house on XX/XX/12 to XXXX almost three weeks ago and the XXXX XXXX XXXX XXXX, has not paid off our mortage with Rocket Loan 's. Now we have two mortgages and I am not getting any response from the XXXX XXXX. Rocket Mortgage is still taking out payments for the first mortgage and some of it is being applied to the interest that is accruing because of either XXXX XXXX not paying Rocket Mortgage or Rocket Mortgage not updating our account balance. We are not sure if XXXX XXXX failed to send the payment or if Rocket Mortgage failed to post it. Here is the information for XXXX XXXX. 

File Number : XXXX OD : XXXX FS : XXXX XXXX - Acquisition - XXXX XXXX  : XXXX XXXX - Acquisition - CM XXXX XXXX XXXX Escrow XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Those collection accounts where not mine this is unauthorised transactions i keep asking from them this information. why they haven't sent it to me yet? i've search the name of this collection agency and there not even registered to XXXX and just incase as well you will be looking for a copy of my SS card i lost it so i attached my passport for additional proof
Product: Debt collection

From XXXX onwards I've been calling/writing every month asking for debt validation and verification but has not responded to each request
Product: Credit card or prepaid card

I opened a SYNCB / XXXX XXXX  account years ago. It reports as a charged off account on my credit report. For the last few weeks ive contacted Sync and provided my social BUT they can not locate my account so i cant pay
Product: Credit reporting or other personal consumer reports

I formally request the credit bureau to conducts an immediate review and rectification of the reporting linked to my account. Other credit bureaus have successfully updated and corrected this information, and I anticipate Experian and XXXX to do the same promptly. Despite having disputed and rectified this information with other credit reporting agencies, it persists on my credit report. It is perplexing that Experian and XXXX has not updated the reporting of the late account, especially when other credit reporting bureaus have done so successfully. I have attached copies of the documentation previously submitted to other credit bureaus, demonstrating the rectification of the account and the correction of inaccuracies. I request that Experian carefully reviews this information and takes the necessary steps to update my credit file accordingly. 

XXXX XXXX XXXX
Product: Credit card

I received a letter from Synchrony Bank telling me my account had been closed. No prior notification to tell me they were going to do this. In the letter, the reason for closure that was included reads as follows : " Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay ''. I have had this credit card for years. Not once have I been late. I don't carry a balance on this card. Any transaction I make ( very rare ) using this card gets paid before the due date. My credit score is over XXXX. My income is over $ XXXX. There is absolutely no activity in my account that can be used to support the reason provided by Synchrony for closure. I am a US Citizen with XXXX heritage and I wonder if my heritage was part of the reason why they decided to close my account. This card is owned by Synchrony in association with Sam 's Club. I want to get to the bottom of this decision. Synchrony decision to close my account based on the written provided reason in their closed letter to me ( excellent long standing customer ) do not appear to be in line with the consumer protection regulations.
Product: Debt collection

CAPITAL ONE BANK the Debtor acting as Debt Collector, is making claim against XXXX XXXX XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$360.00} past due allegedly as of XX/XX/XXXX. A violation of Title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), ( 4 ), ( 6 ) ( a ) ( b ), ( 9 ) and ( 10 ). 

CAPITAL ONE BANK is also in violation of NOTICE OF SURETY ACT & BONXXXX No. RE XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No. XXXX recorded in XXXX County real estate records viewable at XXXX. 

For the record, as pursuant to Public L. No. 10 Ch. 48, 48 Stat. 112, 113 ( HJR 192 ), all public debts shall be discharged for full " Acquittance Discharge Settlement '' and 'Closure ' to include but not limited to all so-called debts CAPITAL ONE BANK may portend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$98.00} XX/XX/XXXX XXXX XXXXXXXX {$300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to the Bureau was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 


XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXXL ( Original Creditor : XXXX ) XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The fair credit act XXXX XXXX XXXX, my acct # XXXX, violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it's 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

I sent a dispute letters to XXXX, XXXX and Equifax asking for this company to remove some personal information that was absolutely devastating to my reputation. They have records information on my report that wasn't told to me or acknowledged by me to report of erroneous information such as charge offs of accounts that still have a balance. I believe XXXX has violate my consumer rights and violated my privacy. 
The accounts that I'm referring to is XXXX, XXXX XXXX, and XXXX XXXX. 
I have ask for them remove these accounts and they stated it was verified. How so, if I wasn't told about the information that was given to them to be true. The information they have is not factual. As per the FCRA any information that I didnt give authorization is supposed to be excluded .I have been getting denied from trying to get a home. Please help me have them fix this grave error by removing these negative remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America reported an unauthorized inquiry on my credit report on XX/XX/2020. I did not authorize this inquiry from this company, but the inquiry shows up on my XXXX Credit Report. I have contacted this company regarding this issue and they told me to contact the bureau and create a dispute with the credit bureau. Once I have done that, nothing happened, and the inquiry was not removed from my credit report. Furthermore, I have contactedXX/XX/XXXX and they told me that there was not a formal dispute process for disputing inquiries off of credit files. They have further told me that their process was that they send out a notification to the creditors to have them remove it. XX/XX/XXXX have done that XXXX different times, and nothing happened, and the unauthorized inquiries still remains on my XX/XX/XXXX report. I am very disgruntled regarding this matter and my next steps is to file a small claims lawsuit with the courts if this matter is not resolved immediately.
Product: Debt collection

Midland Credit Management sent me copies of alleged debt but no original signed contract. They sent me more than 5 copies of past due notices and no original signed contract and continued to report this account as late.
Product: Checking or savings account

On XX/XX/2021, I received a text alert from Bank of America ( BOA send text messages to its client ) asking me if I had deposited XXXX to a XXXX XXXX account. I reply NO then they send another text asking if I want to speak to a representative I reply YES. Someone called me identifying as BOA representative, the caller ID said BOA and it was the same number on the card. The representative had all my bank account information. amount, account numbers, business account, my husbands name and my name, social security numbers everything! This person instructed me to do some transaction between my accounts and told me to use my email address. There were three different transactions from two different accounts. my personal and my business. while I was talking to this person I called the Bank and told them what was happening, they told me to stop any transactions if I can but apparently it was too late. I went to the police station and made a report, I have called the bank several times, but the bank is not responding at all. All they said is because Id id the transactions by XXXX I am responsible for. The thing is that when people send me money through XXXX  they send is not immediately. They have been very rude and not taking responsibility of anything. I have been banking with this bank for years but this is not right. I have a police report and the bank not even ask for it. All I have heard from them is you did the transaction you loose the money. This is a fraud by a bank employee. There is not way someone will know exactly how much money including cents  I have in my bank account. The bank told me to allow them 90 days for investigation, I called them a few times within that time and they have told me already that they cant do nothing. The bank is not taking ownership, we are both partnering they said this is a fraud someone did to me that it was not them but the fraud was not only to me but to them too because they are included in this. This is the bank issue. this fraud transactions comes from people that works there, it is too strange for someone to have all my cents information from each bank. I lost {$13000.00} and the bank is not responding for any? something is wrong here. I need a full investigation and want to feel protected when I deposit money at the bank.
Product: Checking or savings account

My wallet was stolen XX/XX/XXXX I reported it stolen to wells Fargo, they credited my account after a week and then withdrew the money back again after deniying my claim presenting no evidence.
Product: Consumer Loan

I have been an Acura car owner for several years, never once missing a payment, until I tried to sign up for Acura Financial Service 's auto payment on their website in XX/XX/XXXX. Apparently my autopay request did n't go through, even though I saw the confirmation on the website saying everything was complete. 30 days went past and a payment apparently did n't go through, and I never once heard from Acura saying there was an issue ( they claim they did n't have my phone number, even though Acura called me several times regarding another matter ). I finally realized from my bank statement that a payment had n't posted, and called AFS immediately. They said they noticed I tried to set up autopay, but it was still pending.had n't been finalized. I never got a notice stating this previously, through mail, email, phone, etc. I made a one time payment online at that time, AFS released the late fees ( essentially admitting their mistake ), and I finally got the autopay setup properly. I have n't once missed a payment since then. I called them to help me get this one-time error corrected and they refused, very rudely I might add. I spoke with an associate and then a supervisor - both were extremely unhelpful. I understand a late payment needs to be submitted to the bureaus ( even though their attempt to " try and get ahold of me '' to address the issue was laughable ), but they were very unwilling to work with me on having a credit dispute handled in a fair manner. I asked if they could touch base with their tech support team to verify that I had tried to set up autopay, and they were not interested in doing that either. Terrible experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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