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

THESE INQUIRIES WERE DONE MISTAKENLY AND WITHOUT MY CONSENT I HAVE SENT THESE TO THE CREDIT BUREAUS WITH SEVERAL TIMES AND WAS TOLD INQUIRIES ARE ACTUAL. AS YOU CAN SEE THEY ARE NOT. 

XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX   Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank  XXXX Inquiry from XX/XX/XXXX Finance XXXXXXXX XXXX Inquiry from XX/XX/XXXX Finance  XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank  XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX   Inquiry from XX/XX/XXXXXXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXXXXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance
Product: Credit reporting, credit repair services, or other personal consumer reports

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX XXXX
Product: Checking or savings account

We opened the account in XXXX ; we recently deposited {XXXX} to the account. 

I was notified today - XX/XX/XXXX about a withholding submitted by a NON-Federal Entity, to take our money. We currently have a Lawsuit against the Non-Federal Entity for Falsifying Information, Additionally, and MOST Importantly, the money being deposited to the account is SSDI and US Navy Disability Payments, which is Federally Protected and are NOT Subject to Garnishment XXXX XXXX XXXX XXXX XXXX XXXX  There are Several Other Sites out there, including the IRS and Federal Government Websites, that say the exact same thing. 

IF YOU OWE FEDERAL TAXES - ( I Do NOT ) https : //www.ssa.gov/OP_Home/handbook/handbook.01/handbook-0129.html I do not owe federal taxes, or child support, or anything else that allows for garnishments. 

I have been through this now with another bank, and they were required to return our money as well. 

I provide information to the fact that this money is Disability Money from the SSDI and Military Disability, and they Refused, On a Recorded Phone Call - They Were Informed that the call was recorded, that they refuse to return the money. 

I'm filing this complaint, and I'm contacting our attorney to engage directly if my money is not returned. 

This is becoming a Rampant Problem with Banks. NEVER Checking the Rules, and Just doing Whatever They Want.
Product: Mortgage

Home mortgage in XXXX Georgia was financed thru XXXX XXXX XXXX. In the beginning of XXXX, 2016 XXXX XXXX XXXX notified me that my monthly payment was reduced by {$300.00} due to a reduction in the property tax escrow amount ... ..the escrow payment for taxes caused the payment to go from {$920.00} to {$620.00}. I also received a refund from XXXX XXXX XXXX for the excess money that was in the tax escrow account. Shortly after all of this XXXX XXXX XXXX sold the mortgage to Loan Care. I was notified of the transfer in XXXX. Their records did not reflect the reduction in the payment due to the property tax amount. I sent them the first payment in the lower amount with a copy of the XXXX XXXX XXXX letter regarding the reduced payments. A phone call prior to mailing the payment to a representative was not beneficial at all. They stated all the information was not downloaded into their system. They would get back to me in 7 to 10 days. No one from Loan Care has responded. However, I have received additional letters demanding full payment ( {$920.00} VS. {$620.00} ). I received a letter from them indicating my account is 2 months in arrears and I can face losing my home. 
I am enclosing a copy of a certified letter that I mailed to Loan Care last week. I have not had any response other than the letter demanding full payment for two months.
Product: Credit card

Someone submitted multiple electronic applications in my late mom 's name to American Express, American Express provided the application dated XXXX 2011 but did not provide the XXXX dated XXXX 2011. The name on the application was XXXX XXXX, my mom 's name was XXXX XXXX American Express had me submit death certificate, durable power of attorney, trust documents and will documents, but did not provide the application
Product: Debt collection

i got a copy of credit report, i see ad astra recovery service put a collection on my credit report, i sent debt validation letter XX/XX/2016, its been past 30 days, i never proof of the account, i want it removed from my credit file
Product: Mortgage

On XX/XX/XXXX I received a notice on my door advising I was going to be forced out of my home in 5 days ( letter was dated XX/XX/XXXX ) due to delinquent taxes not being paid. I called my Mortgage company on XX/XX/XXXX when they first opened to find out why they had not been paying my taxes out of my escrow. They coukd not explain why and said they needed the tax department to advise me and that someone would call me back. I never heard from anyone that say, so the bext say I went to the county tax department and discovered I was {$4500.00} delinquent on property tax and that the mortgage company hadnt paid my taxes in 3 years and that I had 3 days to pay in cash or I woukd be removed from my home! I called back to the mortgage company that day and asked to soeak to the tax department and they would not let me and again told me someone would call back. I waited that day and no one called! I called back to the mortgage company on XX/XX/XXXX and told them I coukd not wait any longer for them to do something because I was getting kicked out of my home in less that 48 hours. The Customer service rep advised me I coukd just pay the taxes if I coukdnt wait and they would reimburse me. So I took all of my savings and bill money and paid the county in cash to stop my hone from being confiscated. Since that date Ive made weekly calls to the mortgage company to seek the reimbursement they promised me and Ive been unsuccessful with speaking with anyone in the tax department or getting a supervisor to call me back. Finally after numerous attempts I was able to speak directly with a supervisor XXXX on XX/XX/XXXX. She advised me she was going to contact the tax department about the XXXX reimbursement and get back with me. On XX/XX/XXXX she advised me the tax department was not going to reimburse me for the delinquent taxes I paid because it shoukd have come out of my escrow and that they woukd only consider reimbursing me for the amount I paid in penalties and interest in the amount of {$1400.00}. On XX/XX/XXXX XXXX advised me I would only be getting {$900.00} instead of {$1400.00} because they could not verify a breakdown of what I paid even though I sent then ( on numerous occasions ) copies of the certificate of sale and certificate of redemption for what I paid, and it was all signed by the county clerk. So now Im reaching out to you all for some help! The Mortgage company ( Pacific Union Financial ) to daye has still been unable to twll me why they were not paying my taxes or how this all will be resolved.
Product: Credit card or prepaid card

On XX/XX/2022 I went to XXXX XXXX near my work & purchased a " SERVE '' by American Express card that I loaded with {$20.00} & paid a load fee of {$1.00}. When he tried to make a purchase it kept telling him that the transaction could not be completed. We called SERVE on the tele number on the card several times and they told me to go back to the store of purchase which was XXXX miles each way from our home & said they did not scan it correcty. But the store called their card company & was able to verify the purchase, date of purchase & the load amount. I was told it was an issue with the card issuer/Bank. So we called the bank SERVE several times again and was finally told to send them a photo of the Receipt from the store where ppurchased, a photo of the front & back of the card that was scanned at the store & copy of my drivers license. All which I emailed the same day on XX/XX/2022 to the email they provided to me for their " Activation Acceleration Dept '' of XXXX. They assured me they would respond with a resolution within 24 hours & thats been 3 weeks ago. I have tried to get a supervisor on the phone today for 4 hours & either they tell me they can not access my account & have to transfer me to another dept & then just disconnect my call or straight up hang up on me. This is not just about the money, this is more about principle and fair business practices & big companies like American Express should know better than to steal from customers & they need to make things right immediately! Thank you for your help! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I discovered several unauthorized inquiries on my report, are as follows : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

In XXXX of 2018 I re-enrolled in college. I have been, and continue to be current with all monthly student loan payments. On XXXX XXXX I received a notification via email from Navient that my accounts have been placed in deferment as a result of information received from myself or my school. The notification states that I am responsible for any interest that accrues during the deferment period. 

I did not request a deferment on my student loans as I intend to continue with my regularly scheduled payment plan while I attend school. 

I have contacted Navient to reinstate my regularly scheduled payments. I have also contacted my school to see what information they may have relayed to Navient. 

I feel that this is an unfair business practice. Placing repayments into deferred status and gaining from additionally accrued interest without consent from the account holder should be illegal. Navient has a long history of manipulating payment options to the detriment of the consumer. Their organization makes it very difficult to make additional payments and pay off loans early. Early payment is allowable under the legally binding agreement that is signed when applying for federal student loans. I have personally experienced this which is consistent with the overwhelmingly negative reviews left on their App. I encourage you to read the reviews for their app and organization on XXXX XXXX. 

This practice should be ended immediately. In addition, account holders should not be responsible for any interest accrued as a result of unsolicited and unauthorized deferments on their accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card Company Name XXXX XXXX XXXX * Date of Fraudulent Activity : XX/XX/year> * Date of Investigation Completion/Account Credit : XX/XX/year> * Late Payment Reported : XX/XX/year> I immediately reported the theft of my card and worked closely with my credit card company to resolve the issue. The company completed a thorough investigation under the provisions of the Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 ), which protects consumers from liability for unauthorized charges on stolen or lost cards. They confirmed the fraudulent charges and credited my account for the full amount. However, despite the resolution of this fraudulent activity, they have refused to remove the late payment notation from my credit report. 
Legal Basis for Removal : XXXX. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ) : Under the FCRA, credit reporting agencies must ensure that the information they report is accurate. If an account is reported as late due to fraudulent activity, that information is inaccurate and should be corrected or removed. 
XXXX. Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 ) : The FCBA specifically addresses unauthorized charges on credit card accounts, stating that a consumer should not be held responsible for fraudulent charges once the card has been reported as stolen or lost. The law requires that credit card issuers promptly resolve fraud claims and ensure no negative information is reported as a result of such fraudulent charges. 
In this case, the XXXX late payment reported on my credit report is inaccurate because it directly resulted from unauthorized charges made with a stolen cardcharges that my credit card company has already credited back to my account following an investigation. Since this late payment was not due to my negligence or oversight, but rather the result of fraud, it should be corrected under both the FCBA and FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violationregarding the reinsertion of previously delited material into my credit report. I sent a letter to TransUnion notifying them of the reinsertion of XXXX XXXX XXXX into my credit report without proper certification of accuracy notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from mycredit report, continuing to violate FCRA regulations.| TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Debt collection

National Credit Adjusters reaged debt of {$1500.00} as new opened in XXXX this debt was to fall off credit report in the near future. They reported this debt as a new account causing credit score to drop over a hundred points. Attempted to speak with manager but she refused to speak with me unless I gave her updated information which I was reluctant to give due to shady actions the company has already taken. I have previously disputed this on my XXXX  and XXXX  credit reports to no avail. I have not participated in any acts that would reage this account. The actions this company took in reaging this debt and the significant drop in my credit score has made it difficult in obtaining a new residence.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Former : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

n 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 u.s.c. 1681.. Account Name... .. XXXX XXXX XXXX Account XXXX XXXX .... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Account Name... XXXX .... Account name... XXXXXXXX XXXX  ... XXXX XXXX XXXX ... Account Name ... XXXX XXXX Account name.. XXXX XXXX XXXX XXXXXXXX ... Account Name ... XXXX XXXX.. Account Name ... XXXX XXXXXXXX XXXX XXXX. 15 u.s.c 1681 section 602A. 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. 1681 s-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

I have filed complaints and tried to resolve this with each credit bureau ( XXXX, XXXX, and Transunion ). After their investigation which went beyond the required 30 days and they have yet to remove the late payment reporting. 

Dispute : I did an investigation on my credit report which has caused severe XXXX in me and found inaccurate and questionable items that the agencies did not make sure were reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under 15 U.S. Code 1681 e ( b ) and 15 U>S> Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. In addition, under 15 U.S. Code 1681 a ( 2 ) a ( 1 ), late payment reporting is a violation. They are transactions and experiences between me the consumer and Lending Club and should be excluded from my credit report.

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual.

( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness, credit standing, 2 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX was looking at my credit report and saw that I had some inquiries that wasn't mines. I didn't give these companies permission to run my credit. I am a victim of identity theft please delete these accounts. XXXX XXXX XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX  inquiry date of XXXX, XXXX XXXXXXXX XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXXXXXX XXXX inquiry date of XXXX, XXXX XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX  inquire date of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire XXXX XXXX XXXX XXXX XXXX XXXX inquire date of XXXX, XXXX Card inquire day of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ someone opened a fraudulent credit card from capital one from XXXX VA. I called capital one and had it shut down. I was then told by capital one I need to contact all three credit bureaus to have the hard inquiry removed from my credit history since it was fraudulent and not me. XXXX told me this inquiry can not be removed from my account for two years! This was not me and I want it off my account. I filled two disputes and they said they are not removing the inquiry from my account!! This was not me and I want it off my report it was FRAUD. Capital one informed me it can be removed from my credit history and XXXX keeps saying they can not remove it even though they have verified it was fraud with capital one.
Product: Credit reporting or other personal consumer reports

I have requested several times for Experian to verify accounts and provide information within 30 days that these accounts belong to me. I have not received any information. I am request for the following accounts to be removed from my credit report. 

XXXX XXXX. 
Balance {$3700.00} XXXX XXXX Balance {$3700.00} XXXX XXXX Balance {$2400.00} XXXX XXXX Balance {$2800.00} XXXX XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX Balance {$2400.00} XXXX  Balance {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letters requesting an investigation and validation of debts on my report last month.
Product: Credit card or prepaid card

XX/XX/2022, self lending took XXXX off my XXXX XXXX card and that's how I found out that a account was opened in my name