23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX : XXXX, DEPTEDXXXX XXXX XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX  XXXX, DEPT OF XXXX : XXXX, DEPTEDXXXX XXXX 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 Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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.

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

On XX/XX/2021, I woke up to new inquiries on my credit report. I immediately called transunion to seek help and the rep told me there was nothing they could do even though I am not the one that authorized the inquiries. The inquiries include 2 from XXXX XXXX, 1 from XXXX, and 1 from XXXX XXXX. I also notified them I spoke to the original creditors and filed a police report. They still insisted they could do nothing. I then proceeded to explain that according to the FCRA they were legally obligated to remove these inaccuracies and they yet again told me they could do nothing. I am not responsible for the post offices delays with mail, I have sent all documents that needed to be sent and transunion will not help me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681 PERSONAL INFORMATION ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX *THIS IS A POST OFFICE - NEVER LIVED HERE PLEASE REMOVE DEROGATORY ACCOUNT INFORMATION XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX *PAYMENT HAS NEVER BEEN LATE XXXX XXXX XXXX Account XXXX XXXX XXXX *PAYMENT HAS NEVER BEEN LATE XXXX XXXX - PLEASE REMOVE Account number # XXXX XXXX XXXXXXXX Account number # XXXX PLEASE REMOVE XXXXXXXX XXXX XXXX  Account number # XXXX PLEASE REMOVE XXXX XXXX XXXXXXXX XXXX Account number # XXXX PLEASE REMOVE XXXX XXXXXXXX XXXX. 
Account number # XXXX PLEASE REMOVE INQUIRIES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604A, Section 2< States a consumer reporting agency can not furnish an account without my written consent and 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 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: Debt collection

This collection Is showing on my credit report but does not belong to me. XXXX XXXX XXXX I have disputed this account with all credit bureaus and also with the creditor. I have mailed letters to this collections agency as well as letters to the bureaus.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I am intrested in disputing all invalid information on my credit report from transunion.
Product: Credit card or prepaid card

On XX/XX/XXXX, and XX/XX/XXXX and, XX/XX/XXXX XXXX/XXXX XXXX XXXX pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. On XX/XX/XXXX I filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing. 
Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XXXX, XXXX, XXXX,. A alert was supposed to be put on my credit reports for 90 days. 
From XX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( XXXX/XXXX XXXX XXXX ) and they could not release information because some of the information did not match what I what information I had. 
However, they still put a Hard Inquiry on my XXXX, and XXXX credit reports. on XX/XX/XXXX XX/XX/XXXX and, XX/XX/XXXX a total of three times in a matter of a three-month span time. 
As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.
Product: Credit reporting or other personal consumer reports

My home loan was sold from XXXX XXXX to XXXX XXXX XXXXl in XX/XX/XXXX, I was not even notified. it was then reported that my loan was 30 days behind but it was not. I showed proof that I was not behind with XXXX XXXX but it seems as no company would listen. I kept contacting both companies and couldn't get any help. My credit profile kept saying that I was 30 then 60, then 90 etc ... days behind. Also my Federal VA loan fell under the protection of a moratorium even If i could not pay and should not have been reported on my credit profile as delinquent. Here 's the proof of that moratorium protection. 
XXXX XXXX XXXX  This moratorium was extended to XX/XX/XXXX I would like those late payments removed from my credit profile. staring from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that it has been reporting late payments on several accounts that I have NEVER been late on and have always paid on time the first account number is XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX  Accounts reported late Also I have discovered to accounts that are closed and I have no knowledge about these accounts, the first account is XXXX XXXX close date XX/XX/ The second account is XXXXXXXX XXXX XXXX XXXX  close dateXXXX account closed. 
Third account XXXX XXXX XXXX close date of XX/XX/
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXXhas been reporting erroneous information to my credit report. I have outlined all of the errors in my attached screenshot. This is making it extremely hard for me to get a home for my family. These errors are unlawful according to the FCRA please remove immediately from all reports because Im have the right to a fair and accurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance the Fair Credit reporting act XXXX account # XXXX or account name 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 report agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Good morning, I have a savings account at Citibank. I live in XXXX and was trying to make a transfer from my Citibank account to another account which is mine also. The system asked me for a phone code but I did not receive the code because apparently was missing indicative numbers. So I updated my phone number and now Citibank requires that I have to wait 14 days to be able to make the transfer because I updated my phone number... I think this is too long for updating a phone number and I really need to use my money. I understand that they have their security policies but this is the longest time a bank has required me to wait until I can make a transfer. Is half of a month.
Product: Student loan

I 'm an receiving debt collections calls from XXXX XXXX XXXX XXXX XXXX XXXX about an account that is not past due. I am being refused the option to speak wit ha supervisor about stopping the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX should be deleted from my credit report. See attached letter. Please delete this account in the next 2-3 business days and send me a copy of the updated credit report reflecting this change.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccuracies is highly injurious to my credit rating. 


- XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 

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.

The accounts below have violated my rights. 
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 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 ) ( a ) 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: Money transfer, virtual currency, or money service

I would like to draw your attention to XXXX XX/XX/year>- I sent my complaint letter to Regions Bank, in which I clearly stated how this scam has affected me personally, psychologically, and financially. 

I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 

I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, Regions Bank never acknowledges my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter.
Product: Credit reporting or other personal consumer reports

Issue with Equifax Credit Reporting for XXXX XXXX XXXX To Whom It May Concern , My name is XXXX XXXX XXXX and I am in the process of applying for business credit. Unfortunately, Ive encountered an issue with Equifax, as they have not updated my credit file regarding the XXXX XXXX XXXX XXXX XX/XX/XXXX of this year. 

I reached out to Equifax, and they confirmed that they have not received the necessary reporting from XXXX XXXX XXXX XXXX I then contacted XXXX XXXX XXXX and was informed that they have been aware of this issue since early XXXX. However, when I requested a timeline for resolution, I was not provided with a clear timeline or any guarantee of resolution. 

This is particularly concerning, as their reporting inaccuracies could adversely impact my ability to secure business credit, which would affect me personally and my family. The other XXXX credit bureaus are showing accurate information. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I have submitted numerous disputes with Calvary Portfolio Agency to clear a debt that it not mine and I never received any written notification of this debt.
Product: Bank account or service

I deposited a check in a Chase branch. Same day, without contacting me, Chase has restricted access to my checking account, which resulted in all transactions being rejected. I have only learned about the restriction five days later when I received a US mail letter from Chase saying that they blocked my account and that the account is pending closure. After calling Chase, I learned that the reason why Chase blocked my account, was that they could not contact the person who wrote the check. This was of course a good check which timely cleared into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. I sent them letters on XX/XX/2021 and again on XX/XX/XXXX and have yet to get a response.
Product: Student loan

I have an education award through XXXX that covers my loan repayment. I requested my education award to be applied to my loans. The status on XXXX says it's pending institution action and it's been that way for over a month. I made my request on XX/XX/XXXX. It's been over a month and EdFinancial still hasn't accepted it. I emailed EdFinancial to ask how I could streamline the process and I haven't gotten a response. I've tried calling but I am met with long hold times. My grace period will come to an end soon ( XXXX XXXX ) and it worries me severely since I have the scholarship to cover my loans but it won't apply until EdFinancial does something. If my problem isn't resolved in the next week I will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I am that I am, a citizen of XXXX, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name, XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS.
Product: Credit reporting or other personal consumer reports

This account losted below is not mine and ws open without authorization. I have previously disputed this account with XXXX and the removed this account and now it was reinserted without notice I have supplied all documentation that my identiy has been stolen during a data breach a a XXXX XXXX XXXX and Experian fail to do a complete and thorough investigation this account needs to be removed immediately as it is not mine Account name : XXXXXXXX XXXX  Account # XXXX These XXXX account listed are not mine and are unauthorized accounts : Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account number : XXXX Thes inquiries are not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that the account was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Capital One has failed to keep it's consumers informed on the " technical issue '' that has prevented direct deposits from posting. There was no information sent until about XXXX with zero explanation as to why the money wasn't in our accounts. It isn't a small number of people affected as originally stated. We as the customer deserve an explanation AND our money on pay day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Money transfer, virtual currency, or money service

Please see attached letter from XXXX  to JP Mortgage Chase in which it is stated that I XXXX tried to stop the funds from being deposited into my Chase Checking account back on XX/XX/2021 but Chase had already cashed the {$20000.00} made out to XXXX to pay off my personal loan with XXXX. This letter is also indicates that XXXX is recalling these funds to be sent back to them ; after several attempts to try to solve this issue with Chase, I am asking for your assistance so Chase returns this money back to XXXX. Please refer back to my closed complaint with CFPB # XXXX for further information. At this point Chase has ran out of arguments and excuses not to return this money to the issuer of this check. Chase has made my life miserable and made me pay dearly for my mistake. CHASE, ENOUGH IS ENOUGH.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone called saying I have accounts open that large sums of money were being transferred out of the country. I didnt believe So I went on XXXX XXXX and couldnt access because it said answers were wrong. It asked about a mortgage loan and car loan that I have in states I lived but never had. Also addresses Ive never lived and bank accounts I never opened. My wallet was stolen in XXXX tax once and I was robbed in West Virginia and Ohio and I kept everything in my wallet, like social security card, birth certificate, and I.d with bank cards. Someone is opening things in my name.
Product: Credit card or prepaid card

I've filed a dispute with American Express credit card company where I have been XXXX  in the Oklahoma XXXX XXXX XXXX since XX/XX/XXXX serving a XXXX XXXX XXXX in the Oklahoma XXXX XXXX XXXX Where I am housed at the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OK XXXX and my DOC number is XXXX. I looked on my credit report, I seen an account from American Express that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in XXXX, with a copy of my DOC XXXX Identification with my Social security card. which could've all been verified by the XXXX XXXX XXXXXXXX had this company did a proper investigation into this matter. Where they never responded to my dispute letter mailed back in XX/XX/XXXX. First of all for these reasons if I have been XXXX for the past XXXX XXXX in the Oklahoma XXXX XXXX XXXXXXXX at the same address of XXXX XXXX XXXX XXXX OK XXXX for the past XXXX XXXX  where no credit card was ever mailed to this facility would shows that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/ I placed an order at XXXX which was about {$350.00}. I did not receive my order. XXXX was unable to refund me and they told me twice to dispute with my bank for my refund. Which I did. Chime bank will not refund me. Customer service does not answer the phone. I have proof of XXXX stating id be refunded. I have given chime well over 60 days to fix this issue.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. JPMCB CARD XXXX and JPMCB CARD XXXX