23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I had an Online Banking Bill payment come out of my account. The same day I had a XXXX payment sent to me at approx XXXX. At XXXX I received a text message such and I received an email at XXXX stating that a payment was sent to me and was successfully deposited into my account. I also verified through the FNB banking app that the funds were available, and they were in my available balance. However, my bill payment was returned and I was charged {$37.00}, due to theXX/XX/XXXXpayment no being available to pay ACH/ Checks/ billpay items. I was notified 2x by the bank the funds were in my account and verified through the app the funds were available, only to find out the funds were held unbeknownst to me. Very misleading and not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure if these accounts are associated with my junior or if they are unknown and unauthorized by other means. However they are not mines and just knowing that my identity has been compromised is damaging enough but now I got ta fight to restore my true credit worthiness. I'm demanding all relevant information regarding these accounts. I'm seeking physical documentation as oppose to electronic verification inwhich doesn't bare proof of anything. As a consumer I would like all the details of the investigation. And if this can not be provided to me then these unauthorized accounts shall be blocked immediately from my credit report and filings. Please remove these unauthorized accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX  XXXX XXXX  {$6200.00} 4. XXXX XXXX XXXX XXXXXXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im writing to formally request that Experian block certain information on my credit report due to identity theft and fraud, in line with FCRA XXXX ( XXXX U.S.C. XXXX ). 

Here are the fraudulent accounts I need removed : XXXX. A personal credit card account opened at XXXX on XX/XX/XXXX, under account number [ acct # ], {$8600.00}. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$340.00}, seemingly related to a utility account at XXXX XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX, with a balance of {$1000.00}, seemingly related to credit card at Capital XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$730.00}, seemingly related to credit card at Capital XXXX. 
XXXX. A collections account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX, with a balance of {$860.00}, origin unknown. 

These accounts have resulted in multiple fraudulent hard inquiries and collections showing up on my consumer XXXX credit report. I've attached a list of the account ( XXXX ) and collections in question, as well as a copy of my consumer credit report from Experian showing these fraudulent items. 

I do not recognize any of these accounts or collections. They were not opened, made, or initiated by me and are clearly the result of identity theft and fraud. Ive also included a copy of the XXXX Identity Theft Criminal Complaint # [ report # ] as proof from the XXXX Federal Trade Commission confirming that these accounts and collections are the result of identity theft and fraud.
Product: Mortgage

Last year this time I hired an agent to short sell my home. I have had two buyers who back out. The last buyer backed out XX/XX/XXXX. The sell was scheduled for XX/XX/XXXX, however my agent was able to get the sale date moved until XX/XX/XXXX. In meantime I received another offer with was submitted XX/XX/XXXX, 30 days before the sale date. I received a letter from the bank acknowledging the receipt of the office XX/XX/XXXX. After some time my agent called the mortgage company she was told that I didn't qualify for a short sale because I hadn't submitted an offer beforeXX/XX/XXXXXXXX she was told I was sent a letter explaining ( first I never received any letter from them ) and my only option was cash for keys. 

After much going back and forth through agent and me even calling it seems that someone made a mistake at the company. The mortgage company needed some additional information that was sent to them however they keep saying the reason they denied it was because of the extra paperwork was not given to them. 

Unfortunately I don't have copies of calls, however they are recorded.
Product: Credit reporting or other personal consumer reports

Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in XXXX XXXX Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXXXXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Checking or savings account

From XXXX J.P-Morgan : Your account-access has been limited due to fraudulent activities. Please visit XXXX XXXX XXXX to unlock your account.
Product: Debt collection

This debt collection company is trying to collect debt that is not owed to them. They apparently bought debt from an apartment complex that I use to live in. I have spoken with them several times and told them that the {$5800.00}. Is not the amount of the debt owed! This amount is totally wrong! I left the apartment in XX/XX/2022. They are claiming in XXXX of 2022that debt was owed. I turned in my notice to evacuate the apartment in XXXX of 2022 more than 60 days before I moved out. Matter of fact another tenant moved in to my apartment in XXXX the same month I moved out! So how can I owe them additional rent? They are committing fraud and abuse! They have put this on my credit report and bringing my score down. Also making it hard for me to rent another apartment. I have called them about this several times and contacted the credit bureaus about it. But to nothing is being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX , NJ XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX , NJ XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX  XXXX Balance : {$240.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian continue to report inaccuracies on my report. This is causing me great anguish and preventing me from buying a home. The aforementioned accounts are deliberate attacks on my character. They have no merit whatsoever and don't belong to me. Please help rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to LEXISNEXIS. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I have a delinquent DISCOVER BANK account on my XXXX credit report since XX/XX/year>2017 which does not belong to me that I tried disputing with them but it still keeps showing. 

I have had identity theft issues in the past that I have made them aware of but still no solution. 

I would be Grateful for an assistance to solve this issue, IN ANY CASE THIS ITEM IS ABOUT 7 YEARS ON THE REPORT.
Product: Mortgage

Dear Sir/Madam, My mortgage was recently sold off to Central Mortgage Company. I received a threatening letter from Central Mortgage on XXXX XXXX stating they did not have the required proof of insurance coverage on our home. If I did not take immediate action, they said they would purchase the required insurance and that I would be responsible for the bill. When Ispoke to their representative on Tuesday, they told me that I had 30 to 45 days to provide them with the proof of insurance. 

I had my current insurance carrier ( XXXX XXXX ) fax them the requested insurance binder immediately on XXXX XXXX. I called them again this morning and they have no records of the insurance policy from either myself or from the Mortgage Banker that refinanced our home ( XXXX XXXX ). A recent XXXX search has revealed a staggering number of complaints of fraud and predatory lending practices from this company. 

When I reviewed my loan info online this morning I found a {$6600.00} charge on my escrow account for a Force Placed Fire insurance policy from their friends at XXXX XXXX XXXX. My escrow account balance is now negative. This new insurance policy is over XXXX times the cost of our current insurance policy. Talk about a scam. 

I am trying in good faith to rectify this situation but it has not worked. I am setup for auto-payment from my checking account and I have no idea how much they are going to take out of my checking account to pay for this redundant homeowners insurance policy. How can you help us with this problem? 

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

Experian has helped facilitate a cover of fraud for one XXXX XXXX. On my XXXX report dated XXXX his name popped up at XXXX. Since that time XXXX XXXX charged off fraudulent charges starting the XXXX of XXXX. I am getting reports from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, and XXXX XXXX. This XXXX XXXX explains the some odd XXXX credit report inquiries since the first of the year.
Product: Debt collection

Please be advised, I just discovered that a company by the name of Complete Credit Solution has reported me in collection claiming that I owe {$1400.00} for a company XXXX XXXX. Please understand that I do not or ever do any business with that company and totally believe this is an act of fraud. Please investigate and have them remove my name from the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account # XXXX XXXX XXXX. 
Account # XXXX Account XXXX XXXXUS.dept of edXXXX Account XXXX XXXX-US.Dept of Ed/XXXX Account # XXXX. Dept of ED/XXXX Account # XXXX Account # XXXXCredit collection serviceXXXX Account # XXXXXXXX XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit agency ( experian ) stated that they contacted the furnishers so im requesting the dates times and names of the furnishers they contacted of each creditor. experian sent me a paper stating they contacting the furnishers to verify the permissible purpose as well as my written consent but none of the furnishers were ever contacted, if so the said agency ( experian ) would have the proper documentaion to present to me in which they dont
Product: Credit card or prepaid card

My daughter purchased the prepaid gift card online in XX/XX/XXXX and gave it to me on XX/XX/XXXX. On XX/XX/XXXX, I accessed the card online to confirm the {$500.00} balance prior to its first use. The balance remaining was {$1.00} due to its fraudulent cashing at a XXXX in California. I notified XXXX and submitted dispute packet # XXXX on XX/XX/XXXX. I was told that I would have to wail up to XXXX weeks before I would receive a response. On XX/XX/XXXX, I received an email and its attached letter stating that I would be receiving a replacement card. After waiting over two weeks, I started making follow-up calls. On XX/XX/XXXX, I was told I would be the replacement card by XX/XX/XXXX. The card has never arrived at my mailing address ( residence ). 

I have since made 8 additional follow-up calls and always told that the replacement card will be arriving in anywhere from 1 to 10 weeks time. Every time I call I wait on hold from 20 to 40 minutes before I get to speak to a customer service representative. My last call was XX/XX/XXXX and I still have not received the replacement card. I believe this is either a scam or a totally incompetent company, the effect is the same they are stealing their customer 's money. 

ps : Just called them again, after waiting 40 minutes to talk to " XXXX '', after identifying myself the call was " dropped ''!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Upon checking my credit report I saw a few disturbing inaccurate accounts on my credit report. These account were not authorized or have a permisable purpose to be on my personal credit credit report. 
I an aware of 15 USC 1681c which states a consumer report will be kept confidential. Please remove this account from my credit profile immediately. This action is effecting the way I live. 

XXXX XXXX XX/XX/2022
Product: Checking or savings account

Im due to unfortunate events I had a mishap with the law and I got XXXX  out through XXXX XXXX   XXXX and from what I know they are not supposed to charge me without my authorization thats why they kept telling me to call them back when Im ready to make a payment so then they can process it but unfortunately I guess since I wasnt paying fast enough or I wasnt paying in time they took it upon themselves to charge my card and when I called Chase Bank and let them know that there was an on authorized charge they told me that im due to unfortunate events I had a mishap with the law and I got XXXX  out through XXXX XXXX XXXX XXXX and from what I know they are not supposed to charge me without my authorization thats why they kept telling me to call them back when Im ready to make a payment so then they could process it but unfortunately I guess since I wasnt paying fast enough or I wasnt being in time they took it upon themselves to charge my card and when I call Chase Bank and let them know that there was an on authorized charge they told me that I will I will have to personally take it up with the company because since I dealt with them before then the transaction is the XXXX meant which I dont understand because the time I dealt with them before to make the payment was for that payment to only it was not for an automated continuous withdrawal of any sort so it was for that one time payment and the car should not have been used for any other transactions unless I told him it was OK and Wish I did not and when I tried to explain that to the escalations department they told me that I authorized charge because I gave them my credit card information in the beginning. I thought XXXX is how many times the company has my credit card information theyre not allowed to charge it without my verbal OK or a signature or some sort of verification saying that it was OK to charge my account but I did not do that of any sort and now I can not get my money back because Chase is kind of refusing to investigate because they said that the only option I have is to go ill with a company myself when I thought Chase investigates all inquiries about a claim and I filed a claim against them. 

So why is chases escalation department refusing to investigate a claim that so why is chases escalation department refusing to investigate a claim that if they called to get a signature or a verbal recording of my authorization Had no verbal recording of my authorization nor had a written confirmation of my authorization so therefore it was an authorized and yet Chase wont investigate or maybe they are investigating but the officer or the representative that I talked to told me specifically that I would have to deal with them by myself because Chase is not going to look into it because I dealt with this company before that company has the right to charge my account whenever they want without my authorization which is not right.
Product: Credit card or prepaid card

Synchrony XXXX card whirlpooling my credit score. Missed payment in 2021, they negatively reported to credit. Fine. Then lowered limit from XXXX to XXXX ( original balance was XXXX, paid down to XXXX when this happened ) bc of lower credit score. Which then lowered my score again for having too high balance vs. limit. The new lowered credit score was then used to justify closing my account ( with no notice to me ). I have a balance of {$1500.00} today, called to up limit for new a/c and found out closed. Was told to reapply, fine. Reapplied and was rejected for low credit score and balance too high vs limit ( which they caused ). THEN, lowered my credit score AGAIN for reapplying.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts XXXX requesting to be removed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. I have provided the supporting documentation, and still remains. Please remove these from my Equifax credit report. 
XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # # # # XXXX
Product: Checking or savings account

I tried opening a USBank checking account. On the last page to create the account the website was glitching out and asking me to select a drop down menu that didnt exist so I had to finish the application over the phone. They took my XXXX $ opening deposit and created my checking account. 

I was surprised to see that several days later my account was ineligible for external ach transfers on the website. I called in and one of the reps falsely told me thats because ACH transfers cost 3 . After doing some more digging and talking to his manager, she told me the account was placed on hold because they need me to mail them my signature on a card. I asked this manager several times about the possibility of using an esignature service like docusign so that way my account & funds doesnt stay in hold for several weeks due to severely underfunded USPS delays in my area. I never heard back from her. ( to be fair I was working I think she called but no voicemail or email was left ). 

I spoke with XXXX and XXXX today who are helping me get an esignature. 

My whole issue here is that USBank is not doing a thorough job ensuring new clients are taken care of properly. # 1 The website application bad a bug where no dropdown existed for the question it was asking for. I'm a software engineer I tried multiple computers and browsers.

# 2 The website should NEVER say an account is not eligible for external transfers without providing an EXPLANATION. I found it super confusing because I went two more tabs over to the send money tab and all of a sudden I was able to send money to myself. 

# 3 Use docusign for new customers!!! I have been using docusign for my bank accounts for the last 15 years! Why would you rely on USPS when they have been significantly underfunded over the past few years. 

Im looking forward to your response.. and I hope my account is unlocked today!!!