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

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX XX/XX/XXXX -- {$430.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} CXXXX  XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

inquiries on my credit report that I believe are a result of a data breach. I've reviewed my report and identified several inquiries that do not belong to me. I'm concerned that these unauthorized inquiries may be negatively affecting my credit score.

I understand that data breaches can lead to fraudulent activity, and I'm worried that these inquiries may be related to identity theft. I'd like to request that my credit reports are investigated and remove these unknown inquiries from my report.
Product: Debt collection

I called XXXX at XXXX my loan originator they found my acct # XXXX. And the lady said she was tranfering me to a specialist. I was not told i was being transfered to a collection agency. I speak with a gentleman that answers the phone but does not say or disclosed the name of his company. I tell him i have an acct he asked for my demos but does not give me a mini miranda stating ... this is an attempt to collect a debt any information may be use for ... .after my demos i asked where was i transfered he said to north side location. But no mini miranda was disclosed. by my request he tells me the balance. Since by now he tells me that is a collection agency i can settle the acct for XXXX dollars that i dont have. I tell him i can pay XXXX. He says no. I ask for a manager i get XXXX XXXX that was super aggresive and rude. again no mini miranda disclosure was given by this collection manager. If i would had not asked the rep where i was transfered at the begining of the conversation i would had assume i was talking to XXXX That makes it very misleading by XXXX to transfer me like that and by XXXX XXXX Location to not disclose their business name deny my right to know everything i said was going to be use for collection purposes and to tell me that the letter they have sent me assuming i got any correspondance from them which i have not. Then XXXX wants me to pay XXXX in payments because i cant afford the settlement of XXXX and that if i dont pay it now that offer os out of the table. I had XXXX to pay not XXXX to do a lumn sumn. His collection tactics were too pushy and aggressive but to not disclose miranda rights is breaking the law
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My purse was taken in XXXX. I've been monitoring my credit profile and accounts. I recently pulled a copy of my credit report and noticed accounts and inquiries that are not mine nor have I authorized. I reached out to the credit reporting agencies requesting verification. These accounts are not verifiable. 
I have the right to privacy, and these accounts with XXXX XXXX XXXX XXXX, XXXX have been furnished to my profile without my written consent which is in violation of 15 USC 1681B. 
Again I have no knowledge of the accounts or credit inquiries from XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I requested with each agency that all fraudulent addresses are removed from my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report and I dont have the card or object. Its a lot of inquiry auto loans on my credit report that I didnt make and I dont have a car that match these inquiries
Product: Credit reporting, credit repair services, 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 privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I own a large number of properties. ( More than 10 ) Chase services 3 loans from my portfolio. Recently all my individual property insurance polices were cancelled, by me, and replaced with a commercial policy that covers all my investment properties under one policy. As a result there is no individual amount to pay from an impound for one specific property. I pay an aggregate dollar amount to cover all properties in my portfolio. 

I kindly asked Chase to STOP paying INSURANCE from my impound account. I told them they could and should continue to impound funds and make property tax payments. 

I asked Chase by phone. I asked them in writing. 

I furthermore expressly removed any and all permission and consent for Chase to withhold money from me for the purpose of paying insurance premiums on my behalf. 

Chase has refused to honor my request. They insist on a nonsensical arbitrary withholding of my money for insurance ( I expressly FORBID AND DEMAND they do not ) I further DEMAND that they not send my money to others for the purpose of obtaining insurance. 

The behavior of Chase to this simply, reasonable, and logical request is appalling and quasi-criminal. I ask to CFPB to fine and sanction Chase. 

The three mortgage accounts involved with this request are ; XXXX XXXX XXXX
Product: Checking or savings account

I deposited a check for {$33000.00} into a Chase Bank account on or about XX/XX/XXXX. The account had had {$4000.00} in it for at least 10 months prior. Chase shortly ( within a day ) thereafter sent me a letter indicated my account would be closed and funds would be returned to me. I received a letter on or about XX/XX/XXXX, including a check dated XX/XX/XXXX, in the amount of {$4000.00}. I contacted Chase at the number listed with the check ( XXXX ) and, after arguing up to a manager, was told that Chase would call me back within 24-48 to clear the funds. No one called. On XX/XX/XXXX, I contacted Chase 's executive office ( XXXX, speaking with XXXX ) and explained that I had not received my funds and had not been given a reason why the funds were not returned. XXXX opened a case with the executive office and " made the case urgent. '' I was told that someone would contact me within 24-48 hours. No one called. On XX/XX/XXXX, I contacted Chase 's executive office again ( XXXX, speaking with XXXX  ) and was told that I would receive a response by the next morning ( today ) between the hours of XXXX and XXXX  pacific time. Still, no one has called.

There has been literally one transaction on this account in the last ten months -- a deposit of {$33000.00}. Chase closed my account for no reason given and is holding my funds, again, with no reason given. I have been repeatedly lied to about their response to my complaints, even to their executive office. Additionally, I have spoken with the check maker who informed me that the funds cleared his account on XX/XX/XXXX -- an entire month ago. Chase bank is in violation of Regulation CC and, if funds are not returned immediately, will be facing penalties at law.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX - XXXX / XX/XX/XXXX / {$0.00} XXXX XXXX XXXX  - XXXX / {$1400.00} XXXX XXXX XXXXXXXX - XXXX / XX/XX/XXXX / {$4700.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Mortgage

Hello, In XX/XX/year> An worker at LoanCare LLC misinformed me about making a payment. I told him I had a {$6000.00} payment specifically and he said it would stop the foreclosure process. As of now my payment was rejected and I did not sign to mortgage assistance so now my home will be foreclosed based off of what they told me. I don't work for LoanCare so I take their word very serious. Now no one cares to help or hear me.
Product: Credit card

Banamex /USA . This company refuses to handle my written responses. I have not communicated through EMAIL pertaining to this matter since reporting it.
Product: Vehicle loan or lease

On XX/XX/XXXX, I tried to trade in my XXXX XXXX XXXX and was told there is still a lien showing on my title. I paid the vehicle off on XX/XX/XXXX. The loan was with BBVA/Compass Bank . On XX/XX/XXXX, I called PNC bank customer service and spoke with someone in their auto loan service department because they acquired Compass Bank in XXXX, and I was unable to reach anyone at Compass Bank to provide me with a lien release letter. I asked the PNC representative to help me get a lien release letter. He took my SSN, full name, and was unable to locate anything about me or any record of a loan in the PNC system. He told me I needed to visit a branch location and ask them to research my issue with their title team so they could look for my loan information in their archives. 

The closest branch is in XXXX, NC - about 8 miles away ( a 30 minute drive for me ), so before I went in person, I called and spoke with someone in their customer service department ( his name was XXXX XXXX. He explained to me that nobody at the branch can help me and that they get erroneous requests like this a lot. He then told me to call customer service again and ask for someone in the auto loan department. I explained I already did this, and he said that this is the only option to get help, and I should just keep calling them until they actually help me. 

In lieu of calling back and not getting help, I am filing this complaint. It seems that someone at Compass Bank failed to release my lien when my car was paid off, and since they have been acquired, it seems that PNC is unwilling to help me get this processed so I can trade in my vehicle for a new one. Can someone please help me get this lien release letter?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX  XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX. Date of XXXX  : XX/XX/year> These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report.

These accounts are either fully paid or incorrectly reported, and their continued reporting is a violation of my rights under the FCRA, as it misrepresents my credit history and unfairly impacts my creditworthiness.

# # # Legal Basis for My Dispute : The FCRA mandates that consumer reporting agencies and furnishers of information ensure the accuracy, fairness, and privacy of information included in credit reports. The unauthorized inquiries and misreported collection accounts violate the following sections : - 15 U.S.C. 1681b ( c ) : Permissible purposes of consumer reports, restricting access only to those with legitimate authorization.

- 15 U.S.C. 1681s-2 ( b ) : Responsibilities of furnishers to correct and update information after receiving a dispute.

- 15 U.S.C. 1681e ( b ) : Ensuring maximum possible accuracy of the information contained in consumer reports.

Additionally, the Federal Trade Commission ( FTC ) has issued clear guidelines supporting consumer rights in such disputes. Failure to rectify these errors promptly could lead to further legal action, including penalties under the FCRA.

# # # Request for Resolution : I am requesting that the unauthorized inquiries and inaccurate collection accounts listed above be investigated and removed from my credit report. Please confirm the removal and any corrective action taken within 30 days, as required by law. Failure to address this issue may result in further action to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Mortgage

Our Mortgage was sold to Carrington Mortgage services by XXXX XXXX XXXX, They immediately raised our Escrow amount to " build a Buffer ''. Our Escrow has never been short in the 5 years we have had the loan. It is impossible to contact customer service and their payment information on line is horrible.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I requested a check be sent to my leasing office for my rent in the amount of {$2600.00} ( I have checks sent to my leasing office frequently from my bank ). I received an email and updated notification in the portal that my check was sent. I have been in constant communication with my leasing office advising them that the check should be received in 3-9 business days. I have also been in contact with my bank and have been told time after time that I need to allow the 3-9 days not including the holiday on the XXXX. Ok fine. So, this week I have been frantically calling my bank because my leasing office gave me until the XXXX XXXX to remit payment. As I called all week, I was advised by each representative that I spoke with to allow 3-9 business days and that the XXXX would be the 9th business day and it should arrive. This morning I reached out to my leasing office and was advised that the check STILL had not been received & they were proceeding with the eviction and additional cost would asset to dismiss. I called my bank AGAIN today and was advised that the check NEVER went out, but it processed. I asked what could be done as now an eviction and additional cost are being assets in which I think they need to take accountability for. The only option I have is that I cancel the check which will take 1-3 business days. They are not willing to cover additional cost in which I feel that they should because they dropped the ball. They have escalated the issues in which they are advising that will take 7-10 business days. If I would have known this check was never mailed out, I could have made other arrangements to get the money to my leasing office a long tie ago. Up until yesterday I had been told the check was on its way. I am terrified that an eviction will be filed against me, and I am not in the position to move with my son regarding a situation that was beyond my control. Im seeking the rent amount, additional fees accessed and any attorney fees I would have to pay.
Product: Credit card

On XX/XX/XXXX I called wells Fargo to get clarification about using the balance transfer promo that I had used before! I asked about the fee and if any interest would be charged! I was told that there would be a 3 percent fee but no interest for the promo period ending in XX/XX/XXXX. So I requested the transfer and gave my consent! Months later, I noticed that interest was being charged each month. So in XXXX, I called wells Fargo to find out why. I was told that it was for purchases, because that's what it appeared to be on the statement. Very confusing.! So I objectedand was placed on hold, and the representative came back and asked me if I had done a balance transfer over the phone or online. So I said to her that it was done over the phone. I requested that the interest be taken off of my account. So she said that wells Fargo would investigate and I would hear back in about 5 days. I didn't hear back for a about 10 days so I caked back and was told again that they were investigating. I kept calling for about a month before a gentlemen called to say that he heard my conversation in XXXX with their representative and he said that the XXXX time she mentioned the interest charge for the balance transfer. I disagreed with him. He said that the terms were mailed to me recently. But I hadn't received it until a week later. I have requested that the interest be removed and I also want the late charges removed while this matter is being resolved. I sent this request by email on XX/XX/XXXX!
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire in the total amount of XXXX USD utilizing JP Morgan Chase services.
Product: Credit reporting or other personal consumer reports

3 disputes have been sent out and received by Equifax regarding an unrecognized XXXX XXXX collection account. Investigations are not being conducted despite Equifax claiming the accounts have been verified. The accounts have not been notated that the consumer ( I in this matter ) has disputed this account. Which puts Equifax and data furnisher in violation of section FCRA 623 ( A ) ( 3 ), notice of dispute is not present on recent Equifax consumer report from XX/XX/2023. 

Receive receipts have been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there is a XXXX XXXX  XXXX second mortgage account that shows as being a charge off, which is incorrect. This loan was refinanced by XXXX in XX/XX/2013 it was not charged off.