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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX  years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

MIDLAND CREDIT MANAGEMENT is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, & XXXX. MIDLAND CREDIT MANAGEMENT does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are reporting an open date of XX/XX/year> and date of 1st delinquency as XX/XX/year>. How can the open date be after the date of delinquency. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Debt collection

I had a medical bill in collections in the amount of {$200.00}. The company agreed that when contacted they will remove this from all my credit reports. I paid it on  XXXX / XXXX / 2017 . I am requesting to get it removed because I have paid it in full and starting the process to purchase a home
Product: Debt collection

XXXX XXXX  used tactics that was not ethical when selling their product. It was a timeshare presentation that was supposed to be 90mins and we were in there for at least 6 hours. After we wanted to leave they called a manager out to sweeten the deal. After purchasing the timeshare things that were told to us was complete lies. I've tried to ask them about things promised to us and never gotten a solid response.
Product: Credit reporting or other personal consumer reports

My information has been involved in a data breach by Equifax themselves, leaving me open to fraudulent claims on my account to be placed.
Product: Mortgage

I have been paying my homeowner 's insurance within my mortgage payment monthly since XXXX of XXXX. I have not missed a payment. My homeowner 's insurance renewed in XX/XX/XXXX. I have been paying my mortgage and insurance payment each month. XXXX XXXX came through the end of XXXX. Immediately after the storm I called my insurance company to make a claim. I was told at that time that my policy was cancelled in XXXX of XXXX for nonpayment. I immediately called M & T Bank ( XX/XX/XXXX ) and asked why the insurance had been cancelled. They stated that they sent the payment put but it had been returned. When I spoke to the insurance company, they stated that they had made several attempts to communicate with the bank with no response. When I asked the bank why they had not notified me they stated that they had sent a letter in XXXX. I explained that I never received a letter. Subsequently, after this conversation they did send me a letter dated XX/XX/XXXX that my insurance had expired. They stated at that time that hazard insurance is required on my property, they were planning to insurance for my property. They did contact me with their insurance department on the XXXX and I submitted a claim for the damage. I have received a letter from XXXX dated XX/XX/XXXX with a claim number but the policy number is marked unknown. I have since spoken to the insurance company and have been told that they can not move forward until they hear from the bank. I have called the bank several times after this conversation with the insurance company and no one knows anything about having to contact the insurance company. Furthermore, this will be a new policy and they explained that they are not sure that they will be able to cover the damage from XXXX. Now XXXX has come through and made things worse. The bank will not take any responsibility for their mistake. Further, they have been taking my insurance payment for 9 months and not paying the insurance premiums.
Product: Money transfer, virtual currency, or money service

My business email was hacked and they had access to all my business and personal information. They then created a fraudulent bank account at Chase under my name. Using my email system ( XXXX  XXXX ), they were able to convince my business accountant to ACH transfer from our bank account ( XXXX XXXX XXXX  ) {$80000.00} to Chase under my name as : " XXXX XXXX - Chase ''. 

Chase has been un-responsive in taking action against this identity theft and fraud. Their position is that ACH transfer is automatic and it is not necessary to tie the name of the account to the transfer. Of course, the transferred money is gone.
Product: Bank account or service

I 've complained about BoA unnecessarily delaying crediting my account because they want to float my money for weeks, and it 's become clear that BoA 's need for greed has again surfaced. TOday. XX/XX/2016 I attempted to deposit a check from my XXXX retirement account to my BoA checking account, as I have on many occasions at this branch only to be told that " the computer '' said there would be a delay in crediting my account because of the size of the check, which was $ XXXX. The last time they pulled this the check was at or just over $ XXXX and held me up for 2 weeks while they used my money to inflate their balance sheet. On most of my transfers between my XXXX account and my BoA account I deposit the money one day and it 's available the next. I do n't care if they report the deposit to the government in an effort to prevent illicit money laundering, or other criminal behavior, I 'm glad they do, but I 'm sick and tired of them holding me up in order to use my money for their gain. The BoA bank agent said that the " computer '' told her the bank had to hold the funds, and although she did n't say it would be 2 weeks, that is what it was the last time they pulled this trick. Actually they pulled it with a BoA credit card refund as well and I think I complained about that too. BoA is run by a bunch of bandits and they need to be fined or jailed. I would n't be writing if I was a new depositor, or this was a first time transfer between these XXXX accounts, but I have a long history of making these transfers to cover family expenses that exceed my limited retirement income. I had the branch cancel the deposit and return my check, which they did and I told them I would file a complaint with the government, which I am. Congress wont lock these thieves up, I will if this was an illegal act. 

" The computer said '' is not a satisfactory excuse and unless there is Federal Law that says they have to delay giving me my money, this is not only horrendous customer service, if it was an illegal tactic then I want the appropriate penalty to be levied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had HARD INQUIRIES on my credit report from SYNCB which isnt valid. Ive been given the run around in regards to getting these removed. No one has taken ownership! Someone has been trying to get credit in my name. I was told via research online that people are running Care Credit scams online via XXXX, XXXX, and XXXX. 

These are the dates that my credit was run for HARD INQUIRIES : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I, XXXX XXXX, was in an car accident XX/XX/year>. 
I currently have my vehicle financed by ALLY FINANCIAL. I have been calling them since XX/XX/year> to informed them the car is totaled. I also have XXXX coverage on the vehicle as well with XXXX XXXX 

I contacted XXXX XXXX who stated they tried reaching out to ALLY FINANCIAL and requested information. They stated they still have not received a COMPLETE PAYMENT LEDGER that includes the beginning, running, and ending balance. I took it upon myself to reach out to ALLY FINANCIAL and still after several attempts i still have yet to receive this information. 

Without this information XXXX XXXX is unable to process my claim and i have been forced to pay 2 month for my car note which is not operatable. 

Im asking that you please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 at XXXX I called Experian about have they received the Certified Dispute Letter -Tracking Number : XXXX, which Experian received on XX/XX/2020 at XXXX. I was speaking the representative and asking her about the Certified Dispute Letter that I sent. The Experian representative told me that the dispute was settled on XX/XX/2020 for XXXX - Account XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX - XXXX. I asked the Representative how is that possible when XXXX, XXXX XXXX XXXX and XXXX XXXX did not Validate the accounts when I sent all three of them the Letter of Validation according to the FCDPA & FRCA. I have proof the only thing that were sent was a bill and anyone can send a bill. The three company did not Validate the alleged debt according to the FCDPA. Upon speaking with the Experian Representative she stated that Experian is a data collection agency. I told the Representative that Experian did not Verify the information according to the FRCA and that Experian is required to Verify the data that is being reported on my Credit Report. I told the Experian Representative that they have Violated my rights according to the FRCA. The Experian representative stated the dispute was closed on XX/XX/2020 and I asked her how when Experian did not Verify data that is on my Credit Report. The Experian Representative was trying to over talk me and would not listen to what I was saying. I asked the Experian Representative for her name and the Experian Representative hung the phone up in face on XX/XX/2020 at XXXX EDT. Which is RUDE & VERY  UNPROFESSIONAL!!!
Product: Debt collection

I reviewed my credit report and noted a collection account from RMP LLC dating back to XXXX FOR {$85.00}. I asked my daughter in law to contact them because she and my son are my guardians. The following narrative is from my daughter in law : On behalf of my mother in law, I contacted them on XX/XX/XXXX to find out what this was for and pay if validated as my mother in law has been living with us for almost 3 years and we have never received any correspondence on this debt. I was greeted with a person who was extremely rude and when she gave an address that was not ours, the agent began to interrogate me on how they had an incorrect address, this went on and on.. I was able to get in that all I'm trying to do is find out what this is about as she is on SS and had 3 different insurances. The agent put me on hold and promptly hung up on me. I then contacted the original creditor and ascertained that they had failed to submit bill to her secondary insurance and would get back with me. After a week, I contacted the original creditor again and was told that they validated she in fact had other insurances and they errored in not billing correctly. They also stated they would be sending email to RMP LLC to delete the tradeline due to this error. I received a call back from creditor stating RMP LLC refused to delete tradeline immediately, stating they ONLY update XXXX of month and it would take 30 to 60 days. I stated to the creditor that this is baffling as they are purposely negatively affecting someone credit score even in light of learning this was a billing error! Today, we received a billing in the mail from the original creditor for the same claim as the collection company RMP LLC which is still showing on the credit report.
Product: Credit card

There are 4 credit card accounts that needs to be deleted from my credit report, the accounts are not mine.
Product: Mortgage

I contacted Loancare service via phone on XX/XX/XXXX. I inquired about " total fees '' of {$280.00} on my statement dated XX/XX/XXXX. I was told that the charges included {$75.00} inspection fee because our loan is backed by the VA and we were behind on our mortgage payments. The inspection was required by VA policy. The inspector was verifying that home was not vacant. I was told the inspections occurred on XX/XX/XXXX, XX/XX/XXXX, and again XX/XX/XXXX by XXXX XXXX. I first told that the inspector/XXXX XXXX is a " loancare employee '' then I was told that the inspectors were " independent contractor ''. I was told then told that the inspector was supposed to leave a business card at our address. We never received a business card. When I questioned the customer service rep about the business card. I was then told that the inspector was not required to leave a business card. I was then told that the inspector took photos of our home and filed a report with loancare. I requested proof of the inspection via photos and/or report- since I was charged a fee for a service I do not believe occurred. I was told I had to subpoena loancare to receive the requested documents. My mortgage was sold from XXXX to Loancare. I have had nothing but problems since Loancare took over our loan. Please investigate Loancare for unethical business practices and violation of inspections required by VA backed mortgages.
Product: Debt collection

I borrowed {$700.00} from SeedFi on what they call a Borrow and Grow Plan. After paying off the {$700.00} I was supposed to convert to a savings plan that I can grow my money and then they transferred it to a company XXXX in XXXX XXXX MO that has a 1.3 rating on XXXX. I ask to get the money they owed me and opt out and they call 6 and sometimes more a day saying they are trying to collect a debt and I don't owe this. They owe me. They charge a ridiculous interest rate to me on a savings account. I don't know what to do. I need help from someone. They email send letters call numerous times a day and will not reimburse me my money. Interest rate is 305 %.
Product: Credit card or prepaid card

I called last year to cancel and pay off all accounts with XXXX XXXX, and they failed to tell me about two other accounts that i had with them. When I called back today i found out they were now charging my account 30 % interest and i asked them to immediately cancel my credit card and to pay off all of my accounts with them. I now found out that there is another account that they still have failed to tell me about ... ... from my junk emails ... ... they are doing this on purpose to give a false sense of security and meanwhile literally XXXX the consumer. 

what is the us gov't going to do about this?
Product: Student loan

Sallie Mae or their XXXX company is lying on my consumer reports that my accounts were delinquent when in facet they were paid by the US gov. On time during deferrment & forbearance. I 'm on XXXX & I have proof that they were to clear me of all loans & was paid by the XXXX XXXX XXXX XXXX to do so. their delinquencys on XXXX accounts are affecting my credit & I want them removed & reported postive by law. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I wrote experian a letter regarding inaccurate information that I requested be removed. I got no reply for more than 45 days and sent a follow up letter. Under the Fair Credit Reporting Act they are in violation of the law. By law, they must correct or remove the inaccurate information that I put in the letter. I have attached proof of my identity, and the two letters that I sent Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to CORRECT a portion of the data in my credit file, yet I have an items passed on that should be investigated. Per FCRA you are expected to update these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and 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.
Product: Bank account or service

For some unknown reasons, Bank of America closed all of my accounts like checking, saving, and credit accounts. I tried to contact some banking representatives but they explained that my accounts was closed for " business decision '' and they ca n't give any further information. I just need to know what I did wrong so that I can avoid in future banking
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to charge my ATM card {$24.00} for something I have not authorized.I have tried to call them, but they continue to bounce you around their IVR system. I have tried to reach them online, as I do have a free based service Credit Freeze with them, but it doesn't let me log a complaint because the service I have with them is non fee based. My bank, XXXX XXXX recognizes the charge as unauthorized and quickly credits my account, then places my ATM card on hold. When I call XXXX XXXX they tell me this happens all of the time with Transunion and XXXX XXXX issues me another ATM card with a different card number. Less than a week later Transunion issues another charge to the new ATM card number. Please help to get Transunion to stop billing {$24.00} for something I have not authorized.
Product: Credit reporting or other personal consumer reports

As A Federally Protected Consumer, I'm Exercising My Consumer Rights to have Resolved Inaccuracies and Unfair Activities in concern with my Credit Reports. I Am Requesting to OPT OUT of ANY and ALL authorizations I the Consumer may have given you written, non-written, verbal and non verbal per 15 USC 6802. I'm Rescinding that Authorization per 15 USC 6802. According to 12 CFR 1016.7, states that a consumer may Exercise the Right to OPT OUT at any time. According to the Fair Credit Reporting Act, 15 U.S. Code 1681- Congressional findings and the statement of purpose. Accuracy and Fairness of Credit Reporting the Congress makes the following findings : the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. This is effective immediately and indefinitely. I have attached to the report a copy and circled the Inaccurate Findings on My Credit Report with XXXX, XXXX XXXX TRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the CRA 's and the creditors and requested removal of UNAUTHORIZED INQUIRIES, but I was denied. I stated that I am a victim of identity fraud and have a fraud-alert posted to my credit files on all ( 3 ) major CRA 's, but they still would not remove the inquiries.Here are the inquiries that were not authorized by me : XXXX - 1.XXXX XXXX ( XX/XX/XXXX ) and 2. XXXX XXXX ( XX/XX/XXXX ).

EQUIFAX - 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX XXXX ( XX/XX/XXXX ) 5. XXXX XXXX  ( XX/XX/XXXX ).

XXXX - 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3.XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX XXXX  (XX/XX/XXXX 5. XXXX  ( XX/XX/XXXX).

Please dispute these inquiries or contact the reporting agency and request removal of these unauthorized inquiries.
Product: Debt collection

Debt collector is saying that I owe debts I have no knowledge of or do not owe. I tried to contact company. The were unwilling to give me any information about this. Told me if I was a victim of identity theft it was not there problem
Product: Credit card

CAPITAL ONE CHANGED THEIR COMPUTER SYSTEM WHICH PREVENTS ME FROM ACCESSING MY ACCOUNTS. I HAVE SPENT TWO DAYS WITH 3 DIFFERENT REPRESENTATIVES. THEY SAID THEY SEND AN EMAIL WITH CODE. THEY DO N'T. ASK THEM TO SEND TEST EMAIL, THEY WO N'T ; ASK THEM TO SEND ME A WRITTEN COMPLAINT FORM TO MY HOME THEY WO N'T. I WANT ACCESS TO MY ACCOUNT S!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an unusually large number of unauthorized inquiries on my XXXX, Experian and XXXX   credit reports. 

Via certified mail, I submitted a FTC identity theft report to each credit bureau along with a copy of section 605 of the FCRA and a copy of my drivers license so the inquiries would be blocked within 4 days of receiving the letter per the FCRA criteria. I have proof the letters were received by each credit bureau on XX/XX/2019. 

It is XX/XX/2019. As of today the inquiries have not been blocked per the FCRA regulations.