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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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, credit repair services, or other personal consumer reports

XX/XX/2017 I had experian dark web protection XXXX services and XXXX protection plan I discovered XXXX XXXX phone service let someone add 7 XXXX and a XXXX  phone to my account this went on til XX/XX/2017 XXXX   restoration services detected fraudulent activity but never proceeded. Then all kinds of bizzarre occurances I have been legally seperated well over 10 yrs. 5 years ago my stepdaughter was killed in a horrific car accident my mother died that same month I fell shattering my hip went thru severe XXXX .In the meantime I was awarded a very large settlement thru the USTreasury I didnt even know about I had been using my ex s grandmothers address for a mailing address the last 5 years.Well this past holiday season I came to town to see my son and mine and my exs grandchildren when i received an internet inheratence and notice of a large dispursement on the now annuity from USTreasury that I haddened been told about my ex and his brother and family now live in the grandmothers house shes past away I confronted him with it while i had a cab waiting he rammed me into a wooden corner cabnit breaking my XXXX.i went to the hospital reported it that town wouldnt arrest him for it unless i went in person and filed.Now Govt shutdown Im at a XXXX XXXX shelter still not accessing annuity or overseas stocks and inheratence HELP.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been fighting with this company Im not sure where they got this account but I dont owe XXXX no XXXX $ the account has been closed and Im not understanding why they keep reporting to my credit its bringing it way XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under EXPERIAN XXXX XXXX XXXX 150 days late XXXX  XXXX XXXX 150 days late XXXX  XXXX XXXX 150 days late XXXX  XXXX XXXX 150 days late XXXX  XXXX XXXX 150 days late You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX  XXXX Balance {$630000.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$11000.00} XXXX XXXX  XXXX XXXX XXXX Balance {$630000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance {$630000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several factual disputes regarding an account that is appearing on my credit report, and have not receiving documentation that was requested showing a contract between myself and XXXX XXXX XXXX from neither Equifax or XXXX. This account has been deleted off my XXXX Credit Report and I believe that both Equifax and XXXX should remove it as well because I have not received documentation that was requested showing that there was a contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 2 months and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$10000.00}.
Product: Debt collection

I received mail on XX/XX/2023 from a law firm indicating that there is a lawsuit against me from LLC Spring Oaks Capital SPV and they would like to represent me. However, I never received any notice regarding a lawsuit being filed. I don't have an agreement nor a contract where I was working with them so I'm not sure who they are or what debt they are trying to collect.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX does not have any auto payment process through their sources. So the only way to set this up is by sending an autopaymet directly from my bank to XXXX every month. They automatically applied an insurance coverage policy as mine had lapsed. However, my private insurance policy was renewed on time with the incorrect VIN somehow and they tacked on their policy without telling me and when my payment was sent to them, they denied it. I did not receive notice of this. I only found out something was wrong when I received a credit report alert. I have excellent credit but this mishap dropped my score at a very important time. I reached out to the loss prevention team and they could not offer me any advice other than file a dispute with the credit bureaus. Unfortunately, nothing was corrected. I just ended up paying off the loan 3 years early because I didnt want to work with XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

For the last 2 months I have received emails about a prepaid card from XXXX with the last 4 digits Card ending in XXXX. I do not now nor have I ever had this card. 

I have gone to every link on the email to try to reach someone and all I get are recorded messages. I went to their contract us section and the give XXXX numbers for American Express ( XXXX ) and XXXX but both the phone numbers are recorded messages. I have listed to all the messages and not one of them ever allows me to talk to a person. One mentions XXXX XXXX bank then goes on to mention what sounds like " XXXX '' money and then a little later talks about XXXX. 

I have tried to get an address for them but have yet to get one. 

I need to get this account closed and out of my name as it is fraudulent and not mine. I did not apply for it.
Product: Checking or savings account

On or about XX/XX/XXXX a teller in XXXX ( I rarely go to XXXX ) entered a hold to offset a deposit on someone else 's account. In entering the hold, she mistakenly typed in a " XXXX '' instead of a " XXXX '', and the hold was placed on my account in error. Mistakes happen, that is understandable. However, as a result 2 items were rejected on my account. I was charged 2 x {$36.00} in " returned item fees ''. After spending 2 hours over a week on the phone with the bank, they reversed these two " returned item fees ''. However, they refuse to credit me for the charges from the merchant who the items were returned to. The merchant charged me {$25.00} for each item as a " redeposit fee ''. The bank told me I needed to go to the branch, get paperwork, and then go to the merchant and ask the merchant to refund that fee. If this were my error, I wouldn't mind doing that. However, it wasn't my error. Truist put a @ {$250000.00} hold on my account that was 1 ) an error, and 2 ) had nothing to do with me. The least that they should do is cover those bad check fees charged by the merchant. My expectation is that they also contact the merchant and explain that this was an error on their part and apologize on my behalf. I don't want my 800+ credit scores damaged by a bank error. The " returned item '' fees were charged on XX/XX/XXXX and were refunded on XX/XX/XXXX. The merchant charges for the bad check were made on XX/XX/XXXX. I spent about an hour on the phone around on XX/XX/XXXX to find out what happened. At that time I was told that the " returned item '' fees would be taken care of. I called back on XX/XX/XXXX when the items were still appearing on my account and had to spend XXXX minutes on the phone before that part of the problem was resolved. The merchant charges are still not resolved.
Product: Credit card

My student cash back credit card account was closed today ( XX/XX/2023 ). I called and asked them to explain why because all of my payments have been on time and they me told it is because i could not verify my address. They told me they had called me XXXX XXXX, and XXXX of XXXX and that i did not answer. They said because I did not answer those calls back in XXXX they closed my account today. They said they left me voice mails but I checked my missed calls today and I did not receive any calls from them in XXXX nor did I receive any voicemails ( said they left voicemails ). They did not give me any warning before closing my account and they did not try to reach out to me through email or send me anything in the mail. I asked if they could re open the account since i have no proof they reached out to me and they said they could not.
Product: Credit card or prepaid card

Thursday, XX/XX/XXXX at XXXX PM Receive two text messages from XXXX XXXX XXXX about charges on my credit card. 

Your XXXX XXXX XXXX XXXX acct ending in XXXX was used at XXXX, XXXX for {$0.00} without the card present. Reply STOP to opt out. 

Your XXXX XXXX XXXX XXXX acct ending in XXXX was used at XXXX. XXXX for {$20.00} without the card present. Reply STOP to opt out. 

Thursday, XX/XX/XXXX at XXXX PM Call customer service phone number ( XXXX ) on back of card to let them know those were not my charges. XXXX XXXX ID # XXXX said he did not see any such charges and the text was probably spam. 

Friday, XX/XX/XXXX morning Log onto my XXXX credit card account to see how much of a credit ( - {$17.00} ) I have and then see that they allowed the {$20.00} transaction to go through. My {$17.00} credit is no longer available to use during the holidays. 

Friday, XX/XX/XXXX at XXXX AM Call customer service phone number ( XXXX ) spoke with XXXX ID # XXXX asked her why the charge went through. She didnt know but they would do an investigation and I would get my credit in 2-3 billing cycles. 

I asked to speak with a supervisor, XXXX ID # XXXX, she told me the same thing, they would do an investigation and I would get my credit in 2-3 billing cycles.

Why do I have to wait to use my credit of {$17.00} because they allowed a fraudulent, unauthorized charge to go through? And then wait 2-3 billing cycles to get my credit back! I asked them to cancel my credit card account because they dont follow security protocol and Im paying for their mistake.
Product: Checking or savings account

Had a previous complaint # XXXX concerning HSBC Bank whereas they were to have paid me a {$200.00} bonus due to a promotion. Received an email from the VP of Customer XXXX, XXXX XXXX confirming that they were to pay the bonus no longer than 30 days after XX/XX/XXXX. As of XX/XX/19 they have not conformed with the terms of our original complaint, which included this payment. Tried to contact them via phone and email per their instructions and they refuse to answer the calls and have not responded to my email. The terms of the original complaint are recorded under case # XXXX, thus making this a 2nd request and their 2nd attempt at chicanery.
Product: Credit reporting or other personal consumer reports

Accounts opened under my name without my consent. Please be advised law enforcement officials have been notified and a report has been made concerning this matter.
Product: Debt collection

I paid this debt years ago and will not pay anymore. Like everything the government touches they screwed this up too. Garnish my wages or whatever the XXXX you want to do. XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Unwanted calls from Nationstar Mortgage-
Call with no one on the line. from XX/XX/2017-XX/XX/2017
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This is just one of the numbers that have no one on the line. Now Nationstar has sold to Mr Cooper and I am still getting calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform the CFPB that I have received notification from Experian in regards to former complaints I submitted XX/XX/22 number XXXX The letter I received once again is unresponsive to my request. In regards to the following accounts ; XXXX XXXX, Partial account number XXXXXXXX XXXX partial account number XXXX XXXX XXXX XXXX partial account number XXXX. Due to the remarkable amount of data breaches with one of the three major consumer reporting agencies, I have found it necessary to exercise my right under the Gramm Leach Bliley Act. Which requires financial institutes or companies that offer financial products or services like loans, financial or investment advice or insurance to explain their information sharing practices to their costumers and safeguard sensitive data, The GLBA generally requires clear and conspicuous notice of information sharing. The law also states that a privacy notice must be provided when a consumer relationship is established. And consumers have the right to opt out. Experian is willfully breaking the law by denying me the right to examining sensitive information regarding my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Product: Mortgage

My wife and I are 1 week away from closing on a house. Our original loan estimate stated a monthly payment of {$1400.00}. Well yesterday we received the Closing Disclosure ( CD ) which stated a monthly payment of almost {$200.00} more. The lender informed us the increase is due to the inclusion of city tax which he did not include in the original load estimate and an increase in insurance premiums. My issue is twofold. First, are the lenders not required to do the proper research for the loan estimate to determine what taxes are included? They clearly did n't and according to their response, " the actual property taxes are provided with the title search and that the closing attorney gets this information directly from XXXX XXXX and city. '' Secondly, we sent the lender the up-to-date insurance numbers at the beginning of XXXX and only now have we been shown how it changed the rate. We never received a revised loan estimate. Over the phone the lender told my wife that is not something they do. Bottom line, had we known the monthly payments were going to be the CD number, we would have backed out long ago and pursued another house. As it was, it was on the top end of our budget and now its over!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit reports. It has been well over 60 days and I haven't received any investigation results.
Product: Vehicle loan or lease

XX/XX/2020 Exeter finance Loan amount XXXX Car is charged off I am a victim of identity theft by ex who stole information, identification, and knew personal things about me to open these accounts. I also filed police report about these things.
Product: Checking or savings account

I over drafted I paid but my account still isnt current or open
Product: Credit card

Dillards department stores identity theieves and interest rates and settlements and adjustments to accounts that are false to XXXX cards in XXXX center
Product: Credit reporting or other personal consumer reports

Inquiry on my credit reports that I did not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1000.00} XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1000.00} XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have fraudulent inquiries on my credit report that I demand to be removed immediately I have already filed a FTC complaint, the following are listed below : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX  ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ).