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. 

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

I was recently in the hospital for XXXXXXXX XXXX XXXX XXXX  a month ago. I just now got back to work. I discovered that my credit file has over 2 inquiries for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquiries Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquiries : Factual Data and also XXXXXXXX XXXXXXXX XXXX XXXX. I am not sure who approve this or even made these inquiries. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines XXXX Please delete the following fraudulent inquires : 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 Not sure how these got on my file when I already had a fraud alert on file?? I was never contacted to see if these were authorized to be made on my behalf.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

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




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have had two hard inquiries on my credit report that I did not authorize. One by XXXXXXXX XXXX on XX/XX/XXXX and another by Citizens Bank on XX/XX/XXXX 12th
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed that a balance of {$610.00} had been reported to the credit bureau on XX/XX/year>, despite my XX/XX/year> credit card statement showing a XXXX balance. The reporting was both late and incorrect. I submitted a dispute with XXXX XXXX on XX/XX/year> through TransUnion, but it was denied on XX/XX/year>. 

On XX/XX/year>, XXXX XXXX reported a {$3800.00} balance, but I had not yet received a statement. I made a payment to XXXX XXXX on XX/XX/year>. My payment due date is XX/XX/year>. My cycle end date is XX/XX/year> and my statement date is usually the XXXX XXXX of each month depending on the cycle end date. The balance was reported too early and is inaccurate. 

XXXX XXXX stated that my account was set to report in XXXX days which would be XX/XX/year> and nothing had been reporting as of XX/XX/year>. 

XXXX id : XXXX : XXXX This senior account XXXX was extremely rude and aggressive and spoke over me several times. He stated that my due date is XX/XX/year> and my cycle end date is XX/XX/year>. I explained to him I paid before both the due date and cycle end date. I have not received my statement ; therefore, a balance should not have been reported on XX/XX/year>. He said I must contact the credit bureau and that has nothing to do with XXXX XXXX. I asked him, doesnt XXXX XXXX report the balance? How would the bureau see my credit balance without XXXX XXXX reporting it? 

I asked him to transfer me to someone else and he said there was no one else I could be transferred to. He also asked me If I thought he would be going back and forth with me if he could transfer me to someone else? '' He said managers above him do not accept calls and that my only XXXX options would be to call back and speak to someone else or write a letter. He cut me off to reiterate my XXXX options ( stated above ) about 4 times. I was disrespected and rushed off the phone with the repetitive as I stated before, here are your options from XXXX. I asked was the call recorded, and he said it was. I asked if there is a call ID I could reference, and he said there was not. I dont know how this person could be a senior account manager with the customer service skills he provided to me today. He kept apologizing that I did not like my options, but my issue wasnt the options, it was how he spoke to me from the moment my call was transferred to him. I asked him to file a complaint since he couldnt transfer me to anyone and within XXXX seconds, he said the complaint was filed. I do not believe it was filed. I did not receive a reference number for the complaint. I urge XXXX XXXX to get account managers who want to do their job and more importantly to speak to customers with respect. I felt very defeated when that call ended. 

I was on the phone with XXXX XXXX for a total of XXXX hours on XX/XX/year> and its very unfortunate that no one helped me.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

All information matches except for the last four of SSN ( XXXX ). The SSN they have on file ( XXXX ) is not mine but the name, address, phone # is correct. I have requested that they remove me from there dialer and cease contact with me until they can prove this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

With the help of my lawyer, whos awaiting court arrangements for legal actions, this is my SECOND attempt with him, requesting you to REMOVE the XXXX XXXX XXXX account from my credit report! 
The documents provided is NOT VERIFICATION. How dare a business allow someone to sign a fake signature to represent me. The documents provided by XXXX, DOES NOT HAVE MY SIGNATURES, SIGNED BY ME. You allowed this illegal transaction to illegally report to my credit report and use my credit information to allow this unverified account fund correctly without verification. 
Attached is documents sent by XXXX, signatures that are BLACKED OUT which isnt verification as you CAN NOT see the signatures and just by looking at the first letter of the signatures, proves to me that it is not my hand writing due to I DO NOT write my name like that. 
You also will find attached billing statements which ARE NOT MINE, they belong to XXXX. XXXX. 

I have provided my real signature, along with the illegal signatures signed by someone other than ME, that was provided as verification. 
I assume you understand how big identity theft is in this country, correct? This is a HUGE mistake and LEGAL ACTIONS will be taken place immediately as my lawyer make arrangements for court. 

I DEMAND YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT INSTANTLY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going through a modification with a mortgage company. This will be the second time I have taken this mortgage company to court for predatory mortgage practices, In which i won the first time. This time however, this company has reported false numbers to the credit reporting agencies. They have chose to add the legal fees to my outstanding amount, which increases it tremendously. I won the first judgement in which they were responsible for the legal fees, but now it seems they are trying to ruin my credit and in return make it impossible to get a loan. I have never been late on a payment, however I am making modified payments as instructed by the mortgage company and my lawyer. So I do not understand how they can report false information.
Product: Credit reporting or other personal consumer reports

My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share alleged debt information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation. There is also an abundance of inaccurate information that has been being reported, which I can prove by providing my most current consumer report. You can't unring a bell. Once this info was put out it has ruined my reputation as a consumer.
Product: Credit reporting or other personal consumer reports

The company did not fix error and or they didnt properly investigate
Product: Debt collection

In accordance with the fair credit reporting act XXXX Account Aargon Agency inc violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE EQUIFAX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$450.00} UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX
Product: Student loan

I have discovered today XX/XX/2017 that when my student loans transferred from XXXX XXXX to Navient the loans were under-disclosed. XXXX XXXX did not provide Navient with the correct or complete terms of my loans. I have 9 loans left with Navient and 2 of the loans, 8 and 9, should be paid off. The loan payment on the website is {$180.00} and the coupons are {$120.00}. The Navient representative that I spoke with advised in the call on XX/XX/2017 that terms were " estimated '' when XXXX XXXX failed to provide the accurate terms. My concern is how do I at this point even if the balance, payment, and payoff is accurate. I was told in the same call that all of the information on the website account for Navient is accurate, however how can it be accurate if Navient was provided incomplete/inaccurate information from XXXX XXXX and had to estimate the terms? When I requested evidence of the loans I was advised the contracts can not be sent out and all the information is provided on the website for Navient. I want copies of the original loan agreements. I was advised those can not be provided, leading me to believe the loan agreements do not exist.
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 Acct name # XXXX XXXXXXXX XXXX Has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15u.s.c 1681 section 604 A. 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 reporting containing any other 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 in accurate.
Product: Mortgage

Doevenmule/XXXX  XXXX paid a renewal hazard insurance payment to a company I had cancelled with. I had secured a new insurance company. Because the old insurance had almost doubled in price, my escrow for hazard insurance almost tripled. My new insurance company has since requested payment. The payment for the renewal of the old policy has not yet been returned. I have had to put the payment back into escrow without the old payment having been returned to me. I asked that my escrow for hazard insurance be discontinued, since the error made by DovenmuleXXXX can potentially be repeated. I was told no. I do not want decisions regarding my finances being made without my knowledge or permission.
Product: Checking or savings account

I noticed atm withdrawals from a non citibank atm that were not authorized by me and was brought to my attention when I was overlooking my bank account statements. I called to report the discrepancies to which I was provided with an adjusted credit. The unauthorized withdrawals occurred on  XXXX   XXXX   ( {$200.00} ),   XXXX   XXXX   ( {$24.00} ),   XXXX   XXXX   ( {$64.00} ) ( {$100.00} ) and totaled {$390.00}. All of that credit has been reversed and my account is now overdrawn and has been  blocked with added charges including {$20.00} for the non usage of a citi bank ATM.I am very disappointed with my short lived experience at this institution and was looking forward to banking here. I will make sure to advise to stay away from this bank.
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to TransUnion, XXXX and XXXX regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these three bureaus, there has been no resolution or corrections. There is also no dispute verbiage on any of the accounts.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer reports my name is XXXX XXXX this is the only name that I am known as and the only one correct to use. My address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX this is the only address that I use and is correct. Delete any information that is not listed as such. My employment is The XXXX XXXX  this is how my employer is spelled. This is the only way to spell it so do not misspell my employment. My second employer is The XXXX XXXX  this is the only way to spell my employment. Remove any other employers or name it is not correct! XXXX XXXX XXXX XXXX XXXX is not my address neither is XXXX XXXX XXXX XXXX these are not mine again they are not mine.
Product: Credit card or prepaid card

I was a secondary card holder on my mother 's AARP Rewards Chase credit card. My mother died on XX/XX/2021 and Chase cancelled the account. After her death many returns were made to merchants. There is XXXX return where XXXX credited the Chase account, and Chase has never made a refund to me as the next-of-kin who is settling her affairs. I have received other refunds from Chase. I have called the Chase Estate Department multiple times at XXXX and have been consistently told that XXXX did not make a refund to Chase. That is not true. XXXX refunded {$44.00} to Chase on XX/XX/2021 at XXXX XXXX I have provided Chase with the refund transaction code. Chase 's wrongful retention of the {$44.00} is theft. I have asked Chase in writing to refund the monies, plus interest since XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attachments These were sent to all 3 credit Bureaus. They all put a fraud alert on my file with out my knowledge. This is against the law and the FCRA standards. They also put a bogus phone number on there as well that I am not associated with. They did this because all of these bureaus were reported for not deleting Hard inquiries on my credit file that I did not authorize and they can not prove any signature or ID to back there investigation up. There was no investigation done by anyone. They have been warned and I need someone to do something about there Fraudulent behavior. I need this taken care of with in 10 days. They have received 12 different letters about removing the hard inquiries each. I have dont my part and they will not XXXX up my life any more.
Product: Checking or savings account

BMO Harris began charging a monthly {$12.00} fee to my checking account for having too low of a balance, after years of the account having no fees, and without any notice, as required. Eventually these fees totaled {$210.00}, or 44 % of the balance of my account. 

Because this was an account I no longer use regularly, I only discovered these fees a few days ago. The fees began in XX/XX/2019, and continued monthly until now. I was shocked to see my account balance drop from {$480.00} to {$270.00}, when I wasn't even overdrafting. The bank was simply holding onto my money.
Product: Consumer Loan

I RECENTLY TOOK OUT AN INSTALLMENT LOAN FOR {$400.00}. THE APR IS 581.71 % AND THE FINANCE CHARGE IS {$770.00} LEAVING MY TOTAL PAY BACK AT {$1100.00}. I KNOW I AM RESPONSIBLE TO PAY MY LOAN BACK BUT THIS IS RIDICULOUS. I WILL BE PAYING ON THIS LOAN UNTIL XXXX 2017 UNLESS I COME UP WITH IT ALL IN ONE LUMP SUM WHICH I CA N'T AFFORD EITHER BECAUSE THERE IS ALWAYS SOME LARGE PAYMENT I HAVE TO PAY OUT OF EACH CHECK, LIKE MY RENT OR CAR PAYMENT. I AM A SINGLE MOM AND NEEDED THIS TO HELP COVER MY RENT AS I HAD TO HAVE XXXX AND WAS OFF WORK FOR AWHILE AND I DEPEND ON OVERTIME TO HELP MAKE ENDS MEET. THIS IS TAKING FROM MY HOUSEHOLD EVERY TWO WEEKS AND I KNOW I WILL NOT BE ABLE TO KEEP THIS UP UNTIL XXXX 2017 AS ME AND MY KIDS STILL HAVE TO LIVE DAY TO DAY. THIS IS A RIP OFF IN MY OPINION AND PUTS POOR PEOPLE LIKE MYSELF THAT ARE LIVING PAYCHECK TO PAYCHECK IN A VERY TOUGH POSITION. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent ARS account resolution a validation of debt letter certified on XXXX Ive attached the letter, the signed return receipt as well as the usps tracking as proof of the company receiving my request. I have yet to hear back from them, they haven't sent any proof of this account. 
This is a violation of FCRA and it needs to be removed,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a 60 day late payment on my mortgage account. I filed a dispute in XX/XX/2019. The result received indicated the information had been confirmed with Freedom Mortgage and will remain on my credit report as a 60 day late payment. I contacted Freedom Mortgage and was assured that my mortgage was never reported 60 days late. The creditor insist there is nothing they can do because they never reported the information. XXXX  insist there is nothing they can do because it is information received from Freedom Mortgage. I've filed a second dispute with XXXX and received notification that I could not file a second dispute on the same issue. The inaccurate information remains on my credit report.
Product: Checking or savings account

US bank keptv playing games and cheated, the check did not evenly reached my post local office at zip XXXX, enclosed please find the email of post office. 
THey ask me to sign declaration of lose, that is not fact, I did sign one with the fact -- I did not receive the check, they kept asking me to sign and wasted my time. 

They play game and stolen interest from my money. 

Look at other banks, either no need declaration loss or do a good declaration loss ( true form ) example XXXX XXXX XXXX  US bank asked me to sign something that I did not do In fact I didnot receive the check at all. 
US post office confirmed it Also some agents on US bank XXXX calling told they did not mail the check out at all Some agent said they have cancelled the checked If you have cancelled the check or not sent, why need me sign delaration of loss.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Debt collection

I called today to follow up on the written request for information per their stated procedures. I have not received the bill of sale or the purchase agreement and my account representative informed me that she was not a debt collector and didn't work for a collection agency. She also would not answer my direct request for a bill of sale and purchase agreement. When I notified her that the balance was incorrect, she stated that all of the balances are reported directly from the apartments. When I asked for an itemized list of all of the charges they sent over she would only read it to me. The amount of the debt is incorrect. I have checked with the original debtor.