23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has had my social security number for going on two years or more now. My credit is trashed, and I have over thirty-two hard inquiries on just my XXXX credit report from many different creditors. I have tried to contact each creditor to no avail, they tell me all my information matches up, thus not being able to remove the inquiries. These inquires WERE NOT ME, I have had my mail stolen countless times, credit cards stolen, bills, refund checks, identifying information, and much more. These creditors have not helped me.
Product: Debt collection

Called to inform collection agency that debt is no longer owed. I called where the debt originated and they said I do not owe anything. Therefore I called collection to them that. They refused to contact debtor to validate claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX Balance : {$2500.00} THIS IS NOT MY ACCOUNT. My identity was stolen and used to attain phones. This had been settled with XXXX and is still showing on there. 

XX/XX/XXXX XXXX XXXX XXXX Balance : {$8500.00} THIS IS NOT MY ACCOUNT. 

HARD INQUIRIES that I did not do nor authorize on my XXXX report : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES and accounts that I did NOT authorize on my EXPERIAN report : XX/XX/XXXX XXXX  XXXX XXXX : {$3600.00} THIS IS NOT MY ACCOUNT INQUIRIES : XX/XX/XXXX XXXX  ( I wasnt even in the USA ) XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX 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

I PAID THIS DEBT OF XX/XX/year> I'VE LEFT SEVERAL TYPES OF COMMUNICATIONS IN AN EFFORT TO RECEIVE MY RECEIPT FOR THE PAYING OFF OF THIS DEBT in the amount {$2200.00} to-date I've not received my RECEIPT showing PAID IN FULL
Product: Checking or savings account

On XXXX I have 5 fraudulent charges, some in Illinois, on Wells Fargo checking account totaling {$1100.00}. I havent been to Illinois in years. I have called Wells Fargo and made claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my first complaint on on XXXX. 

" I am a victim of identity theft, and someone opened a checking account with XXXX XXXX XXXX XXXX with my name, SSN, personal info. I have done all the work to recover and I want to review ChexSystems Report to understand if any other checking accounts were opened under my name. I have received the report from ChexSystems but I do not fully understand this report. This report also did not show the fraud account with XXXX XXXX XXXX XXXX. I would like to talk to a human from ChexSystems, but I have not been able to reach any human from that company. '' I got a response on on XX/XX/16, but it does not help with answering my questions. I need to speak with a customer representative, and the response I got was " XXXX XXXX may contact ChexSystems by telephone at XXXX and select other options to speak with a representative. '' Please note I called that number, and there was no option to select " other options. '' I am still unable to speak with a real human being. I would like to speak with a real human from ChexSystems please. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of the unauthorized inquiries listed on my credit report, specifically those conducted by the companies mentioned in the following details : These lenders have accessed my credit file : XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 10. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 11. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 12. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 13. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 14. XXXXXXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 15. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX On those dates or similar dates, I did not authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given XXXX or XXXX permission to furnish this information. I understand that this is a violation of 15 USC 1681 ( B ) ( C ), both together and separately, and my consumer and privacy rights are being violated. 

Unless you can produce any proof or evidence that supports your claim or shows that you were right in your decision to furnish this information, I am demanding the removal of the abovementioned inquiries within 15 days of this letter. It is your duty to accurately report information, and as of now, you are violating my rights as a consumer. 

I look forward to XXXX and XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Mortgage

Hello, My problem today is with my mortgage company " Penny Mac '' back on XX/XX/2022 I received a call from my insurance agency saying that it was brought to their attention, 4 days before my " policy '' expired, that I have NOT had home owners insurance for the past year due to non payment. What seems to have happened is that penny mac sent a check to my current insurer XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1300.00} on XXXX but nobody knows where it was sent or if it was cashed. I received a binder that was supposed to be valid from XXXX to XXXX and even managed to refinance my loan in XX/XX/2022 with a GHOST POLICY I guess! I have tried many times with Penny mac to find out where this check went and if it was cashed. It has been almost two months now. Somebody owes me {$1300.00} dollars and I am looking for help finding who is responsible. I've already contacted the department of business regulation for insurance and they referred me to you saying that it seems like this would be on my mortgage company. I would greatly appreciate any help! Thank you very much
Product: Debt collection

I DO NOT KNOW ANYTHING ABOUT THIS CREDIT CARD AND NEVER APPLIED FOR IT
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the accounts listed below had violated my rights. 
15 u.s.c 1681 section 2 it states a consumer reporting agency can not furnish an account without written instructions. 

Please Delete the listed accounts. 
Disclosure ( Identity theft report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I applied to refinance my loan and sent all the papers requested and the company just stop communicating and never processed the loan nor would tell me why got all my person information conducted and appraisal, two visited Got tired of waiting so went to another company and got it done still nothing freedom mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prestige Financial Services They did a charge off on a account on my credit report. They are still showing a balance of {$9300.00} since they did a charge off and its been more than 180 days the balance should be XXXX. We were also told this was removed and the account is still showing. I disputed this item at least 5 times with letters and the credit bureau still say the account is accurate and remain the same. All disputes I did was followed by the FCRA regulations. I started my dispute letters XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX. 


XXXX XXXX XXXX XXXX they did a charge off on this account and the balance is showing {$2900.00} which it should be XXXX its been longer than 180 days. In XXXX when we bought our house they agreed to remove it because they sold the item to someone else but they are still showing on our credit which it should be removed. XX/XX/XXXX, XX/XX/XXXX sent two disputes, XX/XX/XXXX sent 2 disputes. All disputes followed the FCRA regulations. Our realtor can even vouch for this!
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 protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX DEPT OF ED/XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX. 
Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX These accounts has violated my rights. 
15 U.S.C 1681 section 602 A states that 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 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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

I am not responsible for this account. It is the result of fraud. I have contacted the companies several times. I even paid the debt with XXXX XXXX XXXX XXXX in the amount of {$130.00} JUST to have it cleared and removed from my credit profile after going back and forth with XXXX XXXX XXXX XXXX the collection companies that have illegally placed this debt on my credit. Continuing to report this debt on my credit profile violates my rights as a consumer to be free from defamation of my financial and economical status.
Product: Debt collection

I obtained XXXX XXXX XXXX in XXXX. XXXX XXXX XXXX was paid by me XXXX for two years. I was told that after the settlements my account would reflect paid in full. On XX/XX/XXXX I noticed Chase Bank and XXXX is still showing a negative result on my credit report as balanced owed after it was paid. I've called Chase and XXXX and I was told that my account hasn't been paid by Chase, and XXXX haven't replied So I called XXXX XXXX and they said it was paid. So I have two companies contradicting each other. XXXX says I owe XXXX and some change. Chase says XXXX. Both have been settled with XXXX XXXX XXXX. I have been denied credit from two different creditors.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Cease-and-Desist Request Regarding XXXX and Experian Dear Sir/Madam, I am writing to formally demand that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that Experian cease and desist from engaging in the following actions : 1. [ Describe specific actions, e.g., " reporting inaccurate information on my credit report, '' " failing to respond to disputes in a timely manner, '' " violating the Fair Credit Reporting Act ( FCRA ), '' etc. ] 2. [ Provide additional details and evidence related to the actions by XXXX and Experian, such as dates of disputes, copies of correspondence, or reference numbers. ] These actions have caused significant harm to me, including but not limited to [ denial of credit, increased interest rates, emotional distress, defamation of character ]. Their conduct is in direct violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other applicable laws.

I request that the CFPB take immediate steps to enforce compliance byExperian and require them to : Correct inaccurate information on my credit report.

Cease further dissemination of inaccurate information. 

Provide written confirmation of their compliance with my request. 


Additionally, I demand that XXXX and Experian refrain from any further violations of my rights and promptly resolve this matter. Failure to comply with this cease-and-desist request will leave me with no choice but to pursue additional remedies, including filing legal action or further regulatory complaints. 

Please confirm in writing that this matter has been addressed and resolved within [ reasonable timeframe, e.g., 15

business days ] of the date of this letter. I trust that the CFPB will fulfill its duty to protect consumers and ensure Experian is held accountable for their actions. 

Thank you for your immediate attention to this matter. 

Sincerely,
Product: Debt collection

This company has called me my niece mom sister and daughter They say this in the voice mail Hello ______ number XXXX with XXXX XXXX XXXX my office is patient to the property address on record this is regarding a pending complaint and background investigation ordered against XXXX XXXX if no contact is established today or field agent will be dispatched to the property address in place of employment on record it's very important XXXX contacts issuing firm today at area code XXXX and reference the When I called they cant give me much information other than it was a debt from XXXX  that I am being sued for and that I need to pay them XXXX by the end of the month I asked them to stop calling while I investigated but they are still calling my family The number that calls is different every time
Product: Mortgage

Mortgage research center dba veterans united never gave me a copy of a master form mortgage. Under XXXX  revised code XXXX XXXX a master form mortgage is the 1st lien. The actual lien. The mortgage deed recorded in county public record in XXXX XXXX XXXX  is a 1st lien security instrument. The master form mortgage has to be recorded before an 1st lien security instruments. Before any assignment of mortgages can be recorded. I need copies of master form mortgage ( long form ) an short form. Its not recorded on publc record therefore im paying on a ficticious obligation title 18 USC SS 514.
Product: Debt collection

XXXX XXXX XXXX XXXX FOR XXXXXXXX XXXX, {$1000.00} OPENED ON XXXX STAY AT XXXX XXXX XXXX DUE TO IDENTY THEFT. PLACING POLICE REPORT. NOTIED XXXX XXXX IN XX/XX/year> OF FRAUD.
Product: Credit card or prepaid card

I attempted to apply for the American Express XXXX XXXX XXXX in XX/XX/2019 on the American Express website. The website was unable to submit my application and kept giving me error messages, on several different devices and internet networks. The welcome bonus offered on the website at the time was XXXX points after spending {$3000.00} in the first 3 months. Being unable to take advantage of this advertised deal online, I called AmEx, and applied for the card over the phone. I made sure to ask if I could receive the same promotion as was advertised online, and was assured I would. The agent then informed me that I had been approved instantly and the card was on its way. After receiving the card, I carefully made the required purchases to qualify for the welcome bonus. In XX/XX/XXXX, I had still not received my welcome bonus, so I called AmEx to inquire about the status of the bonus. I was told that it takes 6 months after opening the card to get the bonus. In XX/XX/XXXX,  more than 6 months after opening the card, I had still not received my bonus. When I called to inquire about this, I was told I had no record of a welcome bonus on my account, and was instead offered XXXX points for my trouble. This is a flagrant example of false advertising and bait-and-switch sales tactics, which resulted in serious financial damages as I wouldnt have spent any money on the card, or even opened the account without this welcome bonus.
Product: Checking or savings account

TD bank extended a debt consolidation loan with an interest rate based on an interbank transfer. TD Bank can not or will not process the interbank transfer document causing multiple collection calls. Attempts to rectify have met with no success.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX, XXXX, XXXX as well as XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX I have tried accessing my account online to make a payment, only to be told I can not access my account due to a system update.

Im unable to check my balance, make a payment, check my card for fraudulent purchases, or cancel my card. 
Now the website suggests XXXX, which does not work. Ive tried to enter multiple times and the page never loads and then says it can not be accessed at this time. 
If I call, it says it will connect me to an agent and then the call disconnects. Ive tried all the company suggestions multiple times and nothing works.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Credit card or prepaid card

I have made multiple calls about this throughout the year over 20 calls. I've been told it's being investigated or handled. I hear nothing back, then after a month or two I would receive another paper bill that has the same charges on them. I don't even know the individual amounts because the bills do not include what was charged. 

Now I am being called/threatened daily that the account is about to go into collections and when I call they say they need to verify by mail that's going to take 7-10 business days. 
I've basically been stonewalled for at least 6 months.
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 : XXXXXXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

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




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

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.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act allows a seven-year criminal background check for any position that pays under {$75000.00}. However, if the job opportunity pays more than {$75000.00} annually, employers can check the applicant 's criminal record as far back as 18 years of age. 

CRA disclosed info more than 7 years ago