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

XXXX XXXX XXXX XXXX, 2017 XXXX, WI XXXX ( XXXX ) XXXX This company make a hard inquiry without my consent. I call the number XXXX to verify why my name a social has been used to make business. They say " we are allowed to make hard inquiry on future costumers '', so who gave you the permission to do it because so far my social security number, name and address are not located in a billboard?. So basically they do as the please and your score goes down 9 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX is not complying with their own policies in a timley manner
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft which has now caused me to have to mail in my taxes with a identity protection pin and there have been multiple accounts that has been opened in my name and i have not given any authorization to open any accounts on my behalf my information was also exposed on the XXXX  and equifax data breach. The accounts that need to be deleted is XXXX XXXX XXXXXXXX XXXX. the total amout they were asking me to pay was {$2300.00} There are 2 accounts that i have not opened and this is causing me a lot of stress i need this information to be deleted from MY CREDIT PROFILE.
Product: Checking or savings account

I got a call from somebody saying they were from Chase Bank application department. She said her name was XXXX XXXX. She said that a person by the name of XXXX XXXX was trying to open an account in my name. His address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The last four of his social is XXXX the case number according to the the representative is XXXX
Product: Mortgage

Aggressive sales pitch and misrepresentations for a jumbo purchase money loan by Citibank 's loan officer, XXXX Sun, XXXX # XXXX which resulted in a declined loan with lower counter offer than originally approved for, higher pricing and fees than promised, and numerous mistakes in documentation causing late closing of escrow.
Product: Credit card or prepaid card

I got a call XX/XX/2021 from phone number XXXX ( identified as being from XXXX ) saying my amazon account was frozen due to a fraudulent purchase.
Product: Mortgage

XXXX XXXX per the instructions of select portfolio servicing, the title company withheld {$250000.00} from the proceeds from the sale of my house. This money was wired to select portfolio serving for a loan with {$0.00} balance and {$35000.00} in the escrow account. At my insistence the money I DID NOT OWE was returned to the title company XX/XX/2020 - without releasing the lien. The title company resent the {$250000.00} as reflected in the pay off statement. XX/XX/2020 select portfolio again returned the money to alpha title the company that closed the buyers of my house. At this time I have no idea where the money is from my proceeds of the Sale of my house. I believe this lien is for a line of credit to which I never agreed, received no value nor have any access to use. WHERE IS THE {$250000.00} NO ONE GAVE ME? This money was literally STOLEN from my proceeds by select portfolio servicing.
Product: Credit reporting or other personal consumer reports

I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : NCB Management Services Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Dear NCB Management Services I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I sent out a letter to Transunion on XX/XX/XXXX, See attached files
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Checking or savings account

Suntrust is my bank, now Truist. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. 
Beginning in XX/XX/2021 SunTrust account was compromised and hacked. Every month for the next 14 months this fraudulent website and hacker charged my account to sometimes three times in a month without my knowledge or consent or authorization. I had no Internet access during this time frame, and was very very ill. I had no idea this was going on because they were charging small amounts every time first of the 14 months it adds up to over {$1000.00} and some 40 charges I contacted my bank they did investigation and they see that they are unauthorized and fraudulent and that it happened on their watch and their security breach. I never received any paper statements with my ledger again, was very sick and had no Internet access during this time. They just contacted me via email and said they can only refund me the first 60 days. Unacceptable my money was stolen on their watch and their security breach which I have no control over and I have no way to monitor my account as they never mailed me a paper ledger. I was very sick and did not have access to any Internet during those two years, I brought it their attention as soon as I found it two weeks ago. They can, I brought it there attention as soon as I found it two weeks ago. They can clearly see that it is fraudulent and unauthorized charges. They are only trying to pay me for 60 days, not my fault that they stole my money and now my bank is trying to keep my stolen money when its all their fault. I can not help that I was unable to access the Internet, and had no idea someone was stealing my money on their watches what I pay them to do. How can I allow someone to steal my money and then tell me I cant get it back because I didnt record it fast enough. I was on deathbed I need my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize and have not authorized any of the following inquiries, and they are fraudulent and not attached to any account : XXXX XXXX  ( XXXX XXXX ) XXXX  XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX Account XXXXXXXX XXXX Account XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX Account XXXX Account XXXX n accordance with the Fair Credit Reporting act XXXX  Account # 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: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX XXXX furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Debt collection

My daughter went to XXXX XXXX XXXX last year with a fever. No treatment except for a XXXX test which came out as XXXX. They charged us {$250.00}. We tried to dispute and get insurance to cover it for several months, but finally gave up - not enough time in the day as we both work full time. 

The bills was paid on XX/XX/2022. I received a collection notice from " Renton Collections , Inc ''. They are attempting to collect a debt that was already paid off. I am not sure if this an attempt at fraud from XXXX XXXX XXXX ( double dipping ). 

I am sending a letter to the Collection Agency disputing this notice and am also contacting XXXX XXXX XXXX. The latter company has been incompetent in handling our bill, including miscoding entries which lead to insurance denial. 

Any assistance CFPB can provide to stop this XXXX XXXX XXXX  XXXX from fraudulently attempting to collect a debt twice will be appreciate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this issue for over a year now with CNAC. Initially it started with an inaccuracy of a missed or late payment of 30 plus days in XXXX of 2020. So I began by contacting the dealership where I bought the car numerous times over a 9 month period, by phone and in person. I spoke with the financing departments manager. Then the sales manager, and the store manager. Each time I was reassured they would contact the corporate office and speak with one of two people " XXXX or XXXX '' whom deal with credit reporting only to have no resolution of the issue. Finally I asked for the the contact information to the credit reporting department. About a week after speaking with them my credit report finally reflected accurately. Then a week later it was back on my report as a late/missed payment of 30 plus days in XXXX now. Next I spoke with a woman named XXXX from corporate whom spoke with someone and had XXXX 's inaccuracy removed only to have it return again a week later as a late/missed payment of 30 plus days in XXXX. Where it has remained through 5-6 separate disputes to my experian credit report over the past 3 month 's, 5 of which were online. I provided proof of my payment history to XXXX which I was given by CNAC which clearly shows, at no time during any of the months in question was I 30 plus days late. My latest dispute I called XXXX and filed a dispute over the phone with a customer service representative in order to clearly explain myself. Each time I disputed this issue either online or the last over the phone. I have had the same outcome. " The creditor in question states that the information they provided to the credit agency was accurate and would not be changed at this time. ''
Product: Credit reporting or other personal consumer reports

When attempting to retrieve any information from Equifax I am 1 ) unable to use the company 's website and prompted to call in for support. When I run through the automated prompts I am run around in circles, redirected to the website for self-serve options, and unable to proceed through the prompts. This has happened numerous times over the past year when attempting to place or lift a credit freeze or access my credit report. 

I have no issues self serving access to my information on XXXX or XXXX. 

I have logged numerous complaints with Equifax customer support requesting an answer as to why I can not access their website services after successfully completing the member login. 

My only recourse is to wait it out on the line which routinely takes 30 minutes or longer which jeopardizes my ability to complete my work day. 

I have seen similar complaints about Equifax 's horrible user experience and customer service logged across forums such as XXXX. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I contacted Equifax and submitted disputes online for the accounts listed as XXXX with the amounts of {$75.00} and {$190.00}. There is no information provided such as company name, contact information or that this is mine. I worked with a financial advisor and we could not find any company or contact information nor anything linking this to me. I was advise this is fraud. On XX/XX/XXXX I was notified by equifax that the information shown on my report was accurate but provided no information how to contact this company to either resolve or remove this if it is not mine. Currently, it is still on my account and I have resubmitted another dispute on XX/XX/XXXX to dispute this again as it is still fraudulently on my account.
Product: Credit card or prepaid card

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by XXXX. d/b/a AVANT. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by XXXX d/b/a XXXX on XX/XX/2022, via email. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by XXXX XXXX AVANT adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ), XXXX d/b/a AVANT is now civilly liable to pay me for the damages. Correspondence has also been sent to your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF TN ) XXXX, ( Original Creditor : ) XXXX
Product: Student loan

In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states 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 written my instructions. Under 15 UCSC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit report plan as a late for any purpose.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

Card was stolen and unauthorized transactions were made. XXXX XXXX credited the transactions ( took them off ) but now has frozen my available credit. I have a {$750.00} credit line but now I have XXXX available with only a {$67.00} balance. They seem to be punishing me and causing me hardship for something I am not responsible for. I have called several times and they just say that they cant release the credit until they complete their investigation. It has been three weeks. XXXX XXXX customer service has been of no service at all. They have a take it or leave it hard nosed attitude like I am the bad guy and simply do not seem to care.
Product: Credit card

A credit card was opened in my name by a family member without my approval or knowledge. Multiple charges made and then balance not paid- noticed this when credit score dropped significantly and I had to investigate as to why. Called 3x - the first 2 times disputes were made and investigated. Both said I " benefited '' from the account. When I called the 3rd time inquiring how to get my name off the account and make it stop affecting my credit they said they reopened the dispute ( again!!! ). They were unable to answer my questions about how this is going to help- they already denied my dispute twice - what would be different this time? I inquired how to make the account " go away '' and stop affecting my credit score and they referred me to an outside crediting agency. That makes no sense, since the account and delinquency in clearly with Capital One. I was transferred no less than 8 times to get answers and still have none.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed a count on credit report which has disputable closed dates showing on XXXX  transunion and XXXX. XXXX shows that the account was closed XX/XX/17, transunion is showing the account closed XX/XX/17. This information isn't consistent on reports.
Product: Debt collection

THE DEBT THAT THIS COMPANY TRYING TO COLLECT WAS FRAUDULENT OPENED AND NOT AUTHORIZE BY ME I DID NOT PROVIDE ANY ID OR SOCIAL TO THIS COMPANY I DISPUTED THIS INFORMATION BEFORE THE ADDRESS THAT THAT PROVIDED NEVER WAS MY ADDRESS
Product: Payday loan, title loan, or personal loan

I called on XX/XX/19 to have my account closed and the line of credit closed with this company. I was told at that time that it would take up to a month for it to process. I called again on XX/XX/19 to verify that my account was closed and it was not. The foreign customer service rep said he would forward my request only after interrogating me for my desire to close the account at all. 

I would like for my account to be closed per my request as soon as possible. My account balance isnt paid in full and I no longer need it.
Product: Mortgage

Ocwen Loan Servicing , LLC has violated RESPA 12 CFR 1024.17, Improper aggregate accounting in connection with the escrow account. On XXXX XXXX, 2017, Ocwen Loan Servicing , LLC, provided me with an " escrow '' analyzes statement. Page XXXX of XXXX reflects that Ocwen loan Servicing LLc collected {$480.00} towards the Flood insurance policy. The amount of {$480.00} is incorrect. Flood policy reflect the premium to be {$260.00}. Ocwen collected a higher amount seeking to pocket the difference. Thus, according to the insurance agent ( XXXX XXXX XXXX ), the flood policy was never paid by Ocwen Loan Servicing , LLC . This means that i was without flood insurance policy for an entire year while Ocwen Loan Servicing , LLc collected the amount from the escrow and failed to pay the insurance company. 

Page XXXX of XXXX, of the escrow analyzes reflect that Ocwen Loan Servicing , LLC collected the amount of {$3600.00} towards the Hazard insurance. Please see the attached Hazard Policy. The record reveals that the insurance policy premium to be {$2600.00} and not the mount described in the escrow analyzes. 

Ocwen Loan Servicing , LLC has committed fraud upon the escrow account