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

Dealing with Experian is like pulling teeth! I am tired of them ignoring my disputes and saying they " respectfully deny your request '' regarding deleting inquiries. They stated in a complaint response to me regarding these illegal inquiries : " The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumers profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. '' WHO WERE THE INQUIRIES MADE BY, Experian??? You don't even know, nor do you have proof! You are NOT supposed to keep false, unauthorized information in people 's credit files and wiping your hands clean as if you have nothing to do with it! These inquiries are affecting my credit report! Experian, you say " factual record '', but please tell me how an inquiry I DID NOT AUTHORIZE is factual, let alone verified & legal. JUST BECAUSE AN INQUIRY IS REPORTING DOES NOT MAKE IT MINE or legal. Addresses, dates, and account amounts are ALSO " factual record '', but if any of that info is incorrect, false, unverified, etc, then " PURSUANT TO FEDERAL LAW '' THEY MUST BE DELETED! Experian even admitted in their response to my CFPB complaint ending in XXXX that THEY DON'T EVEN HAVE APPLICATIONS FOR THESE INQUIRIES. They are the reporting company, yet THEY HAVE NO PROOF NOR DO THEY DEMAND PROOF FROM THE REPORTING COMPANIES. This is negligence! Experian, are you telling me that " pursuant to federal law '' INCORRECT, ILLEGAL, FALSE, INVALID, UNAUTHORIZED information, including inquiries " must remain '' even though they aren't mine and are illegal??? Furthermore, what's also illegal and a violation of 'federal law ' is the fact that you all DID NOT EVEN INVESTIGATE THESE ILLEGAL INQUIRIES. I demand that the inquiries are deleted immediately. They are NOT MINE, NOR do they even have permissible purpose to be there! I've already contacted the companies and you both are telling me to contact the OTHER!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experiann several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the XXXX Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX account XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from Experian & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis nexis, XXXX, XXXX, and XXXX has violated my privacy which is a violation of the FCRA. Lexis Nexis continue to list a dismissed bankruptcy as confirmed. I am aware that Lexis Nexis receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY.
Product: Credit reporting or other personal consumer reports

I am writing to formally refile a complaint regarding serious inaccuracies present in my BANKK OF AMERICA credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported account not adequately verified, and the inaccurate information persists.

Background : I discovered discrepancies in my BANKK OF AMERICA credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the account in question not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy.

Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report numberXXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant account verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge BANKK OF AMERICA to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.
Product: Checking or savings account

Twice on XXXX I called in to close my account and was hung up. The person picked up and said I can help you and said to say my account number. Then they hung up on me. 

The other time I called and went to the account closure portion of phone number and when it got to where someone would pick up it was hung up on. I had perfect cell reception of 5 bars so near impossible it is on my end both time just when I get to an agent. Very poor service.
Product: Mortgage

My mortgage was tranferred to a different servicer around  XXXX   2017 . A mysterious {$100.00} fee appeared on my statement. I contacted the servicer and they claimed it came from the prior servicer and they would fix it. I contacted the servicer again, after the same mysterious fee appeared on the next statement. It 's  XXXX . The fee was on my  XXXX  statement. So, I contacted the new servicer again. They told the same tell about the fee coming from the prior servicer only this time they claimed that I had never contacted them before. This servicer is trying to collect {$100.00} dollar appraisal fee and I 've never been late paying my mortgage. Its a swindel.
Product: Debt collection

Been disputing this account threw the Transunion credit bureau every month over year and half, Kept saying it was verified but it obvious when my name is spelled wrong on original creditor & debt collector. the law is clear cut this account is not accurate please remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

hippa, crainaccurateinformationviolates my cra rights
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Discover Bank, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : 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 an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

After opting out and other measures Experian is intentionally causing due hardship caused by its inability to provide adequate services and accurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the information through XXXX XXXX in XX/XX/XXXX is order for this information to be removed from my credit report. I have contacted a credit counseling agency and they will send letters to the credit bureaus to remove the information from my credit report. Basically someone has used my social security number to obtain student loans in my name. I was XXXX from XX/XX/XXXX through XX/XX/XXXX. I did not graduate from high school therefore I do not qualify for student loans and I have never attended a college or university.
Product: Bank account or service

My son gave me a check written on his Chase Bank personal account. We both have the same last names. I took the check to Chase Bank in XXXX, TX. He had sufficient funds to cover check, I presented a valid id and the bank refused to cash/honor the check because I did not have an account with them violating federal banking regulations. They did not even try to contact him by phone to verify check. I spent approximately 20 to 30 minutes in the bank. The vice-president stated that she did not have the authority to cash this check and was unable to reach any of her supervisors for an authorization. Very hard to believe. In short, they refused to honor their own check written on there bank with a good customer who had ample funds to cover the check. I do n't understand these big corporate banks who make it very difficult to do business with. It is no wonder they spend huge amounts of money on advertising to draw in new customers when they should learn to take care of their existing customers. Do business with a independent bank for superior customer service!
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 1681 a ( 2 ) ( 1 ) under exclusions and15 USC 1681 s2 I feel my rights have been violated. 

I had a loan from the department of education to attend XXXX. After I had already been paying on the loan, XXXX recalled the loan from Department of education and sent {$2400.00} to XXXX XXXX for collection. 
I requested then and am requesting now a copy of the original loan. 
My loans is also reporting conflicting amounts on all three credit bureaus because of this. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Account number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX Account number XXXX XXXX XXXX Expwrian Dispute Department XXXX XXXX XXXX XXXXXXXX Tx XXXX Account number XXXX
Product: Mortgage

Our home was scheduled to be sold in a foreclosure sale on XX/XX/2020. I received a call from XXXX, who works in the Loss Litigation department of Lakeview XXXX  on XX/XX/2020 at XXXX and she informed me that Lakeview XXXX  was going to modify my loan to prevent our foreclosure. This loan modification would lower our mortgage payment and the past due amount of approximately {$25000.00} would be added to the end of the loan. XXXX requested me to complete a loan application and send her my bank statement, check stubs, award letters, child support verification, etc by Monday, XX/XX/2020. Attached is the email XXXX sent me on XXXX XXXX. On Monday, XX/XX/2020, I emailed the completed loan application along with the documents requested. See attachment. On XX/XX/2020, I contacted XXXX to verify if she received my loan application and documents, and she stated that she would put those documents into her supervisor, XXXX XXXX ( Loss Litigation Loan Processor ) inbox. XXXX told me that she was going to expedite the loan modification process since we were only a few days away from the foreclosure sale. She also instructed me to call back on Friday, XX/XX/2020 and verify that XXXX had everything they needed from me. When I called back on Friday, XX/XX/2020 XXXX told me she never received my documents. I reminded XXXX that we had a call on Monday XX/XX/2020 where she stated she received my documents. I was on the phone with XXXX for 2 hours trying to get this straightened out. XXXX found the documents and said that everything was good to go. 
At the end of the call, XXXX told me that she had good news. She stated that " I am taking your house out of auction so that it can't be sold ''. On XX/XX/2020 XXXX called and stated that she was missing a few more documents and that her supervisor XXXX XXXX would send me an email regarding the missing items. Attached is the email from XXXX. I asked XXXX if I needed to send these documents right now or could I send them when I got off work. XXXX stated that I could send them when I got off. On XX/XX/2020, I emailed XXXX the documents she requested. See attached email. I called the Loss Litigation department four times on XX/XX/2020 trying to verify if the documents were received. I was unable to talk with XXXX, but the customer service representative assured me that if I sent the documents to the email address provided, that everything would be ok. On XX/XX/2020 at XXXX, XXXX called and said " This is the worst call I've ever had to make. Your house was sold. I'm sorry. The house is sold. A third party bought the house and it was a cash offer. You need to contact the attorney ''
Product: Credit card or prepaid card

Chase block & lock my Chase Ink Business Cash Credit Card with absolutely no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible .. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should not be on my credit report. I sent a letter to the collection agency in XXXX of XXXX  and they have yet to validate this account. I also notified XXXX and XXXX that they are reporting inaccurate information, but this too fell on deaf ears that is why I am now requesting for the removal of this account per the cfpb. There have been many FCRA and fdcpa violations and I can seek monetary damages if this account is not removed. This account was never verified therefore you can not continue to report this information. It has been over 7 months and the company has failed to provide proof that they own this account and they have failed. This balance is also not the same as what the original creditor is reporting. The letter that was mailed to the company is attached.
Product: Money transfer, virtual currency, or money service

I initiated an {$8000.00} wire transfer from my local XXXX/XXXX  Branch in XXXX Fl, XXXX XXXX Branch  from my checking acct XXXX on XX/XX/20. The " Pay Through Bank '' was put on by The XXXX Rep as HSBC Bank USA, N.A. New York XXXX. The receiving Bank in XXXX later advised that the pay through bank should have been XXXX XXXX XXXX XXXX and XXXX advised to me the funds were returned to HSBC on either XX/XX/20 or XX/XX/20. My local XXXX Branch advises that they have been reaching out to HSBC and the {$8000.00} is " in suspense ''. I am advised by XXXX that there is nothing I can do and have to wait. 
The funds were to purchase a vehicle in XXXX and the transaction has fallen apart and a {$1000.00} deposit has been forfeited. 
I also had monthly bills and obligations to meet and now do not have the funds to meet them.I am being put in dire financial straights and need some help on this ASAP. 
The Bank in XXXX was XXXX  XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX, XXXX, XXXX to be deposited to XXXX  XXXX  Acct : XXXX. 
I would greatly appreciate anything you can do to get the {$8000.00} returned to my account ASAP as I am now in desperate financial straights. Thank You very much
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continue to violate my rights under 15 USC 1681 & 15 USC 1692. I AM a Federally Protected Consumer and I AM asserting my rights via 15 USC 1601, is 15 USC 1681, 15 USC 1692. I have never contracted with XXXX ( XXXX  XXXX XXXX ) as well as I do not consent to them furnishing ANY accounts under my name. I tried to reconcile this matter peacefully several times in the past to no avail. NOW I demand that they comply with the law that they took an oath to and provide me my remedy that I have requested. The proof that I will be submitting today has also been sent to XXXX via Certified Mail! Those documents include : A Notary Presentment, An Affidavit of Truth, An Invoice, and Exhibits highlighting each violation.
Product: Checking or savings account

XXXX XXXX charged my Debit Card with Chime for {$270.00}. They overdrew my account and did not have my consent to charge my card. I have filed a dispute with Chime and was told the charge had been found to be valid and that the credit on my account was being removed. I received no communication or documentation about the investigation or the determination they came to. The charge is unauthorized and the funds need to be placed back into my account immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act This creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment a credit card account under end consumer plan as late for any purpose.
Product: Debt collection

this debt showed up on my credit and I have no idea about it. my. mother had the same collection on hers for XXXX and I had it for 50. this company seem to jus randomly place a collection on my credit
Product: Debt collection

XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an apartment lease account opened at National Credit Systems on XX/XX/XXXX under the account number ending in XXXX with a balance of {$7400.00}, an apartment lease account opened at National Credit Systems on XX/XX/XXXX under the account number ending in XXXX with a balance of {$5400.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. The FTC Identity Theft Criminal Complaint reference # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

For the past week I've tried to freeze my credit with Equifax, but every time I try to log in, it says there has been an error. I can't successfully log in to freeze my credit. I was able to complete the credit freeze with XXXX and XXXX successfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report I recently discovered serious fraud and related activities on my credit report over the week.I am in the process of contacting the police and FTC. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, Sage Stream, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX my SS XXXX my DOB XXXX. I am self employed the following addresses are Not mine XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX