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

I have no knowledge as to who the companies are or why they are even on my credit report i want them taken off my credit report period and permantly.
Product: Debt collection

NAR Inc sued me for XXXX for their client XXXX XXXX. I had a loan from them for XXXX and had paid them directly XXXX which they did not include when they sent it over to NAR INc. I have provided NAR Inc the payments that were made and they will not adjust total amount due. They have successfully processed a writ of garnishment for XXXX not having applied my payments. They are ignoring the promissory note and last I checked that is a legally binding document. There was also an arbitration agreement in the promissory note ignored as no-one offered to arbitrate. It went straight to court. NAR is refusing to follow the law and apply my payments. If I do end up paying the full XXXX and XXXX I will have paid over XXXX for a XXXX loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Associates In : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish 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

On XX/XX/XXXX I filed a complaint against Equifax ( XXXX ) stating that they were reporting information on my credit report that is directly related to the unauthorized and illegal use of my identity back in XX/XX/XXXX/XX/XX/XXXX. Despite my efforts to work this out with Equifax, providing them with substantial proof to support my position, Equifax has failed to rectify this situation. In the company 's response, they stated that they were able to confirm that the accounts were mine and that I opened said accounts. I, however, never disputed that the accounts were mine, yet in fact, I admit that I did open these accounts. The issue for which I am disputing is the transactions that were made on the account for which I DID NOT authorize. If a proper investigation is done, you will see that I did, in fact, call in and inform XXXX of the situation back in XXXX, I have documented this incident TWO times with the FTC, I have filed an NCIC report to document this unauthorized activity, and I sought legal action against the culprit. Yet, Equifax, XXXX, and XXXX have not been able to provide the evidence to support that it was I who made these transactions. Therefore, Equifax 's failure to block this information from my credit report is in direct violation of section 605B of the Fair Credit Reporting Act. So, in accordance with the aforementioned policy, I ask that these inaccurate items be promptly removed from my credit report.
Product: Checking or savings account

I closed an account with XXXX XXXX XXXX  and they sent a letter confirming that my debt was paid in full. Chex systems continues to hold this over my head by causing issues for me to open a bank account. Please help.
Product: Student loan

I am in the process of trying to purchase a home, I spoke with a mortgage representative on XX/XX/XXXX and they pulled my credit, on XX/XX/XXXX, I spoke with a credit repair specialist that deals with the mortgage company, after looking at all of my credit reports advised me of what I would need to take care off. I noticed that on my payment activity there was an account listed as First Associates, student loans and that I was past due over 180 days and that I owed over {$3700.00}. I contacted the company and they advised me this was a student loan from XX/XX/XXXX and that the original loan was in the amount of {$1500.00}. I asked what the additional amount was and I was told late fees and interest. I explained to them that I was not aware of this loan and that I never took an online certificate class. They advised me that this loan was correct and that it needed to be taken care of. Because I am trying to purchase a home, I asked if they could give me a settlement, even take off the late charges and interest and that I would be willing to pay the {$1500.00}, they advised me no and that the interest and late charges would continue to accrue. I asked them if I could make payment arrangements so that the fees could stop and so that I can pay it off and they advised that I can make payments, however, the fees will not stop and that they will continue to add up. I have paid {$700.00} since my conversation with them 1 month ago which should put my account at {$3000.00} instead, my account is listed at {$3100.00} and on my credit report it is still showing 34 missed payments and it is not reflecting that the balance is decreasing.
Product: Debt collection

Notice was sent to TD AUTO finance for debt collecting in which all call were to cease and desist until debt was verified, which is currently not verified competently. from the dates of XX/XX/22 - XX/XX/22 TD AUTO made repeated calls in access of over 65 times that were documented
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Factual Data Credit Pull on my credit report dated XX/XX/2021. 
This hard credit pull was not authorized. 
I called XXXX XXXX  to ONLY inquire on how it works if we were wanting to pull our home equity out early. I only wanted information on how it works. 
The agent on the phone insisted I give her all of my information so she could pull up our current loan. 
I did not give permission in any form for a hard credit on our credit report. We were not asking for a loan at that time nor were we wanted to move forward in any way. The call was strickly to ask how pulling home equity early works. 

I am requesting that this hard credit pull be removed from my credit report as soon as possible.
Product: Checking or savings account

I have been trying to close this account for more than two weeks. I called Kabbage twice and was on hold for over 30 minutes each time. I sent in an email to close my account then the account was locked and I can't log on. I keep getting an email to call them. I emailed them and one representative gave me another number to call and it was an automated system which was a waste of time. I found another number to call and finally spoke with someone who thought it might be closed, but connected me with XXXX XXXX   who said it wasn't closed and to talk to Kabbage. I just want this account closed.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 a collections account opened at XXXXXXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX with a balance of {$22000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX & XXXX / & Inquiry 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
Product: Checking or savings account

Capital One Bank locked my entire account ( both my main checking account and several savings accounts ) on XX/XX/. This was under their assumption of suspicious activity. When I contacted them regarding this and provided them with full details on the issue, they said that the account was locked and my case is being investigated. I was asked how long it would take as at that time, my husband and I were preparing for a week long trip to XXXX and had kept all our savings ( emergency funds and short-term savings as well as long-term ) in the Capital One Bank account XXXX They could not provide me with an exact estimate but would roughly take a month to resolve depending on the case complexity. As you can see, over 7 MONTHS have passed and through following up DAILY with customer service on when my accounts will be close and when I would be receiving my close out checks, I have managed to receive most of my funds back. All thanks to me however as I was consonantly following up and having to correct customer representatives as each person was providing me with different information regarding my case and my account. Now, the final account which is my main checking account is still on hold. It carries over {$26000.00} and it has been long overdue for this account to be closed. I have asked the bank several times to RE-SEND the wire transfer that caused all this mess back to the original sender but they refuse to contact them. I am speaking to the original sender every week or so and they have let me know that even they have tried to reach out to Capital Bank via XXXX messaging but Capital One is not responding back. Every time I call customer support, they say they can not do anything until the case is closed and that the original sender needs to ask to re-call the wire transfer. I let Capital One Bank know that they have reached out multiple times asking Capital One Bank to send it back to them but still, no action. I understand if they can not close my account and provide me with these funds due to suspicious activity. But what doesnt make sense is that they refuse to send the money back to its original sender? Why not? They are the ones who sent it to me in the first place. We are both asking Capital One Bank to send back the wire transfer and solve this case once and for all.
Product: Mortgage

Suntrust Mortgage who is servicing my loan ( # XXXX  ) is profiting by utilizing higher than needed escrow amounts on which they do not pay me any interest. In essence, they are getting a loan from me for FREE. I disputed the calculation for escrow but even after speaking with representative and the supervisor they both indicated that overage on my escrow was needed and that they were entitled to it. When I challenged their escrow practices and wanted to assume paying for taxes and insurance directly myself they said that loan to value ratio was at 84 % and needed to be below 80 %. I challenged their valuation of my home which they had at $ XXXX, far lower than the current market value that according to XXXX is at $ XXXX. 

I can only imagine that this is a widespread industry practice not isolated to Suntrust Mortgage Services.  With millions of hard-working Americans being taking advantage of in this unscrupulous manner I would like to request your assistance with this matter. 

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

On or around XX/XX/XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX reported to Equifax, XXXX  and XXXX a Rental/Leasing debt of {$3300.00} with a Date of 1st Delinquency of XX/XX/XXXX, obtained from XXXX XXXX XXXX. This debt was recorded as a Joint Account. 

On XX/XX/XXXX while setting an account on XXXX  's we site to freeze my report I saw and disputed this entry using the available process identifying the debt as not mine, identifying the likely owner as my ex-wife from who I was divorced in XX/XX/XXXX with no shared assets or responsibilities. 

On XX/XX/XXXX XXXX advised that it had completed a review and that " The information you disputed has been verified as accurate ''. No further specific information was provided about the entry or process.

On XX/XX/XXXX and XX/XX/XXXX I repeated this process with XXXX and the equivalent with Equifax and XX/XX/XXXXwith the same result and attempted to add an ( up to ) 100 word statement. The process to add the statement was difficult with Equifax, only a choice of a few fixed statements was available with XX/XX/XXXX and I have found no option with XX/XX/XXXXthrough their web sites. 

This entry alone precluded me from being able to start a contract position with the US Department of Justice and has cost me and my family many hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was with TD Bank. The loan matured on XX/XX/2022 with a balance due for deferred escrows, interest and other fees. I have been trying for weeks to get a payoff amount. I've gotten quotes anywhere from {$5700.00} to over {$16000.00}. On XX/XX/XXXX I went to the local branch and after two and a half hours the assistant branch manager received a quote, which I paid immediately. Then 4 days later TD Bank filed a report with credit agencies showing I was late on my payment and ruining my credit.
Product: Credit card

I applied for a XXXX card on XX/XX/2016. The advertising for this card promised " apply by XX/XX/2016 to get 10 % back when you use the Card at XXXX XXXX in XX/XX/XXXX, up to {$200.00}. '' I have not been receiving this benefit as promised despite a total of {$490.00} in payments to my wireless telephone service provider, XXXX ( listed in billing as " XXXX '' ). I called American Express customer service on XX/XX/2016 to inform them of this error on their part ; the agent I spoke with verified that I was eligible for the bonus, did not know why I was not receiving the benefit and they said they would " open a case '' and that this would be investigated. I called again approximately 4 weeks later and was told that there was still an " open case '' and that this was still " being investigated. '' I am extremely upset that I was promised a benefit ( which was the main reason I opened the card ) and that your company is not fulfilling it as promised, despite promises it was being investigated and my patiently waiting more than a month and a half for a resolution. I do n't appreciate being blown off like this. It 's time for your company to do as promised and provide me the 10 % back on my wireless telephone payments.
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 U.S.C 1681 XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX USC 1681 also states I have a right to privacy I didnt give permission for these items and they are fradulent not got by me also code 42/408 states that because there is no lawful money using my social security number at any establishment for credit transactions or loans is a crime.
Product: Credit reporting or other personal consumer reports

I've noticed unauthorized inquiries on my reports XXXX, Equifax and XXXX. I reported and provided this information over to the representatives and XXXX at all three ( XXXX ) bureaus over the phone. I've mention to them how I was aware that according to the FCRA, legally these unverified and unauthorized items must be moved but instead with XXXX they said they DO NOT and WILL NOT REMOVE any inquiries and gave no reason as to why. I am in the process of applying for a home loan and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. 
Below is a summary of the data that I am challenging : XXXX. XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX  XXXX ) XX/XX/XXXX XXXX XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX, XXXX XXXX XXXX. XXXX XX/XX/XXXX -Equifax XXXX. XXXX XXXX XX/XX/XXXX- Equifax XXXX. XXXX XXXX XXXX XX/XX/XXXX- Equifax XXXX. XXXX XXXX XX/XX/XXXX- Equifax XXXX. XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX- XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The company is awaiting approval from thw bank for at leas t three week s now to open an account.
Product: Debt collection

The Company Synergetic Communication, inc is stating that I owe them I have never taken out any type of noting with this company I've asked them to send the documentation that this is my debt. Nothing was sent I've asked them to cease and desist and it continues phone calls etc..This is a violation of my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that I havent made. Recently there have been a lot of false information reporting to my credit report please check records to confirm this. I havent applied to finance any vehicles for the past 12 months and there are collects on my report from dealerships.
Product: Debt collection

The first communication from JOHNSON MARK LLC was in the form of a Complaint & Summons to sue us for a debt we are unaware. The only information provided was listed on the Complaint itself, and it was just a bank name and XXXX digits from a supposed account number they claim is ours. 

I have emailed JOHNSON MARK LLC requesting all information in regard to this debts validity, but I have yet to receive a response. At this point we have a hearing date in a month, and I still have no idea what this debt is regarding, or if it is even a valid debt under my name or my wifes name.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 


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. 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: Checking or savings account

Schools First Federal Credit Union is blocking me from linking my debit card to investment applications like XXXX and XXXX. Their support team told me that they currently do n't support these types of accounts.
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 to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, closed on XX/XX/XXXX XXXX XXXX, closed on XX/XX/XXXX XXXX XXXX XXXX, closed on XX/XX/XXXX XXXX XXXX XXXX, closed on XX/XX/XXXX XXXX XXXX XXXX, closed on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, collection. 

The above accounts have violated the following rights : 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) 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.